23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this account completely removed for a few years from my Equifax credit report. the account listed is XXXX XXXX XXXX. the agency XXXX XXXX  has verified they been sent deletion notices to Equifax for removal of this account and here we are years later and the account is still showing on my report. ima XXXX XXXX  trying to buy my family a house in this housing market and i find it a slap in the face for this XXXX $ balance to still be sitting on my report. i have called Equifax several times and have been given nothing but a run around with having this account removed. 

the account in mention is XXXX XXXX XXXX it was last reported on XX/XX/2019 the acct number last XXXX is XXXX balance is XXXX $ paid in full just need to be removed as asked now and years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX  XXXX account for months. XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit card or prepaid card

Two years ago I had a lot of XXXX work done at the XXXX XXXX XXXX. The amount exceeded my deductible, and the staff there offered to set me up with an account called Care Credit with Synchrony Bank. She did all the paperwork and did a somewhat poor job explaining the terms to me directly after some pretty intensive XXXX XXXX For the past 24 months I have been paying the minimum balance as per our agreement. Each month, the bill states how many more months remain until the balance is paid off in full, if only the minimum is paid.

InXX/XX/XXXX I received my bill, and after paying off more than {$10000.00} of medical debt, I saw that I only had XXXX  remaining. I paid the minimum balance and noted, according to their chart of the front page of the bill, that in 3 more months my balance would be paid off. Further down in the bill on the second page, there in fact is a warning about the promotional APR expiring, but this information is ( seemingly ) intentionally left out of the body of the bill that informs you of your balance, and how many more months of payments you will have to make. It would be simple enough to include this information in the body of the bill as opposed to on a second page buried in fine print.

The next month, I was charged the deferred interest for the entire original charge to my account, over 3000 dollars ( about 25 % APR ) although it was completely paid off at that point aside from a few late charges. Although there had been several late payments, my account was never delinquent anywhere close to 30 days.

The next bill I received showed that, paying the minimum monthly balance, it would now be 16 months, not 3, until my balance was cleared if I continued paying the minimum. When I called they refused to work with me to address the issue.

Upon doing some online research, I learned that 2 years ago there was a class action lawsuit against them for the same practices. I have good credit and have no need for these predatory type of credit card practices.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report separate 1 fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

Yes I noticed its an account on my credit that is fraud I recently got my social security stole in the mail. The amount is {$2000.00} dollars saying from durvea on my credit report please its causing me stress and anxiety I would like this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/2022 XXXX2022 XXXX XXXX XXXX2022 XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX/XXXX/2022
Product: Debt collection

I have been receiving calls from CBE group XXXX XXXX XXXX up to 6 times a day on my cell phone and home phone. Almost Everytime I answer they hang up. I spoke with a lady once and I told her to call me back at a certain time because I was at work. They called me back 3 days later and then no one answered when I answered and they hung up. They do n't leave a message. When I ask them to identify themselves and reason for call they say they ca n't without me telling them my name, address and birthday. I called them on XXXX and explained to them what they are doing is harassment and they say they are doing nothing wrong.
Product: Debt collection

This collection company appeared on my credit from an account that i believe had to do with ID theft. I filed an FTC report and local police report and it was removed from my credit by another collection company. Seems it has been resold. Please include any signatures of mine you may have authorizing the account.
Product: Debt collection

1. On XX/XX/2018, I sent an initial letter to XXXX XXXX ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$250.00}. 

2. I also notified XXXX XXXX that my Initial Letter also served as formal notice that I was disputing the claim. 

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to XXXX XXXX XXXX   Front Desk/Reception on XX/XX/2018 at XXXX XXXX A copy of the Certified Mail Receipt is attached to the Initial Letter. 

4. Thus, XX/XX/2018 was the 30-day deadline for the notice of dispute to be reported to my Experian and XXXX  credit reports. 

5. Upon investigation of my Experian credit report dated XX/XX/2018 and my XXXX credit report dated XX/XX/2018 ( copies are attached ), XXXX XXXX did not furnish neither Experian nor XXXX with the required disclosure within the period required by law. XXXX XXXX is required by federal law to place a " notice of dispute '' on my accounts within 30 days of my dispute, which was received on XX/XX/2018. 

6. More specifically, XXXX XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

7. Thus, it is my request that XXXX XXXX delete the {$250.00} entry as a result of it not placing the required notices of dispute on my credit reports. 

8. Additionally, I never received competent evidence of the debt bearing my signature.
Product: Debt collection

I was paying them off, I owed {$410.00}, I was going to pay {$200.00} on  XXXX  but they said it had to be in  XXXX . Someone from APG called and blocked their # and said call  XXXX , they were with  XXXX  County and were going to serve me with papers tomorrow between  XXXX  and  XXXX  and I must have a valid government issued ID. I called  XXXX   County Courts ( Civil and Circuit ) a nd asked if they had any cases with my name, they both said no. I called the  XXXX  number and asked who it was they said APG, I asked why there were representing themselves as  XXXX  County and they said they were retained by   XXXX   XXXX   but now the case has left their office and I better pay   XXXX   XXXX   before they take further legal action. I 'm sure I have paid them way more then the original principle.
Product: Credit reporting or other personal consumer reports

XXXX is currently reporting an inaccurate account World Finance XXXX XXXX XXXX with a charged off status on my credit report with a balance {$0.00} and high balance of {$560.00}, and {$330.00}. 
XXXXIn accordance with the provisions of 15USC 1681 ( e ) and USC 1681 ( i ) This is a violation of my rights as a consumer and this must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes to XX/XX/XXXX XX/XX/XXXXand Experian about the identity theft incident that I was involved in last year, they have failed to respond to any of my disputes and they have broken multiple laws in the FCRA and the Consumer rights act I am asking the CFPB to reprimand them for violating multiple consumer laws and failing to validate any of these fraudulent accounts that they are reporting.. I demand compensation as I have been sick with XX/XX/XXXX and haven been able to work or receive assistance due to their reporting of this false information on my credit report
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or DELETE the following accounts : Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing this account for. Early 5 months and they fail to provide factual documents of doing an investigation such such as who they talk to what day what time and documents. Instead they just say verified a few times they said who verified it when I called but when I called the company they stated they didn't verify it and forwarded information to the company stating it should be removed because it's not accurate. Now they saying the same company again XXXX XXXX verified ans they sent me the documents that was sent to the credit bureaus that said it should be removed because it's not verified. I just want an answer which is proof or method of verification vs sayinf verified and keeping inaccurate info on my credit report. I'm taking all the necessary steps so if it's verified please show supporting documents if you can't. Then please remove inaccurate info. I'm tired of getting he run around. I've contained documents to follow up with the things you guys tell me. Not to mention which I've highlight in previously letters that that case number isn't even a real number. Which is another inaccurate detail
Product: Debt collection

I am in the process of purchasing a home. I am actually in escrow. My credit was pulled XX/XX/XXXX and I was suppose to sign docs today until this company placed an unknown account on my credit. 
I was never contacted by them via phone or mail.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting

My identity was stolen a few years back and I just learned that there are still a lot of hard inquiries and accounts on my credit that are n't mine. I had filed a police report.
Product: Money transfer, virtual currency, or money service

I opened a Coinbase account over 4 years ago and bought a very small amount of XXXX on XX/XX/XXXX. This was tied to my bank account so it was an ACH debit for {$100.00}. I sold it on XX/XX/XXXX for XXXX minus XXXX service fee. I expected the money in my bank account the following day. None of my information changed in the 4 years so there should have been no reason for the transaction to be complete. I have XXXX brokerage accounts and a US Treasury account ( for short term treasury bills ) that are tied to my bank account and have never had any problem transferring money in or out. It has always been quite easy and done by the following day. Coinbase has no 800 number and no human beings to talk to. They have a virtual assistant which is in reality useless. I would have preferred being able to talk to someone to resolve this but there is nobody to talk to. The brokerages have people that you can talk to. If they don't have any way to talk to them they shouldn't be in business.It has been over 2 weeks and still have not received the money. I have reported this to the SEC  and they told me I should report this to you as well.
Product: Checking or savings account

Credit Karma froze my account for no reason. When I called to find out why they just kept sending me to other people. I asked names and they refused to give them. I begged to talk to XXXX and he told me it would be unfroze when the special teams decided to an hung up on me. Nobody will tell me anything and their just keeping my money. I asked to close it out an they told me no! The dates were XXXX-24 thru XXXX24. In two days I've spoken to XXXX representatives and XXXX supervisors who all either transferred me or hung up on me.
Product: Mortgage

I applied for a refinance of a mortgage and 2nd ( HELOC ) in early XXXX of 2020. I went through the entire application process, credit reports were pulled, appraisals were pre paid, etc. and loan was approved. 

However in the middle of this process ( on XX/XX/XXXX ). I was told that due to COVID that terms are constantly changing and I was no longer approved for the refinance. So the refinance was cancelled. 

However, in this process Better Mortgage locked up the funds on my HELOC and my bank will not release me my funds until Better Mortgage notifies them. It is now mid XXXX and funds are still locked up. 

I have place calls in Better Mortgage and can not get it resolved.
Product: Debt collection

Despite PORTFOLIO RECOVERY ASSOCIATES , LLC ' {$24.00} XXXX dollar lawsuit, pertaining to their repeated illegal debt collection practices and consumer reporting violations, they continue to violate consumer rights. 

On XX/XX/XXXX, they contacted XXXX XXXX XXXX pertaining to an unvalidated alleged debt. 

It is now demanded that they provide a response to questions 1-7 in the debt validation letter attached to this complaint. Bank statements will not suffice. 

If they can not provide adequate response, to what is requested in the debt validation letter, this debt will be deemed inadmissible.
Product: Debt collection

Johnson mark LLC took money out my checking account on my bank statement says legal order Johnson mark LLC XXXX they the amount of {$340.00}. I never had any notification that they sued me or that they were going to take money out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This morning I logged into my XXXX XXXX account. I noticed there were 2 hard inquiries on Equifax but not on XXXX. I did not recognize the inquiries and tried to find a way to dispute it but it was difficult to navigate. I did a XXXX research and found that I should contact the inquirer as well. After looking up the inquirer information I noticed that while they were physical entities, the address of the inquirers had been changed by just a number and the other address to be a phony XXXX XXXX XXXX I am concerned this may be an identity theft related event and that my personal information may be at risk. I am concerned someone is or has taken credit in my name and would like guidance on how to know or not. These are clearly fraudulent inquiries, XXXX XXXX as well as XXXX and equifax should diligently review these before applying them to reports.
Product: Debt collection

I originally contacted Santander on XX/XX/XXXX regarding a fraudulent collection account reporting on my credit report. I spoke to someone in the Fraud Risk Dept and notified them that the account was opened without my permission or knowledge. My identity was used by my father who shares the same name as me. I requested they investigate the account. I was told I would need to mail them a dispute in writing in order for them to start an investigation. On XX/XX/XXXX I mailed Santander a dispute letter. Santander never responded. XX/XX/XXXX I disputed the account with all three credit bureaus. Santander responded to the dispute stating the account belonged to me. I was told by all 3 bureaus I would need to dispute the account directly with Santander to proceed. I then contacted Santander 's Fraud Risk Dept and was told someone would investigate the account and I would receive a confirmation via mail. 

XX/XX/XXXX I received an identity theft claim form packet from Santander. XX/XX/XXXX I mailed it back to them. It is now XX/XX/XXXX and Santander Bank has still not investigated the fraudulent account. They continue to report the account as late and have not notified any of the credit bureaus that the account is under investigation. 

On XX/XX/XXXX I filed a XXXX XXXX Complaint. Case # XXXX. The complaint was in regards to Santander consumer failing to respond to my dispute. After filing the complaint, Santander responded by contacting XXXX, XXXX, and XXXX  and updating the disputed account 's information. They did not notify the three bureaus that the account was under investigation. Instead they changed the account close date from XX/XX/XXXX to XX/XX/XXXX. The date of removal was also changed from XX/XX/XXXX to XX/XX/XXXX. My credit scores have all dropped 100 plus points due to the change. I contacted all three bureaus and began disputes. The disputes all came back as verified. I was told that each credit bureau validates the information through the creditor and if I have proof that the dates were changed I would need to file a civil suit. 
I have copies of credit reports dating back to XXXX and as recent as XX/XX/XXXX which report the original close date. 

XX/XX/XXXX I mailed Santander Consumer USA another dispute letter and they have not responded.
Product: Credit reporting or other personal consumer reports

They reported my account as missing payment and past due when I recieved a letter telling me it was due XXXX on XXXX. Then on XXXX they sent me a notice saying my payments were due on XXXX and that my payments were 30 days late on XXXX of my loans.
Product: Mortgage

Please refer to my original complaint regarding Ditech : complaint XXXX ( this should have never been closed as it has yet to be resolved ). I have yet to receive an explanation as to how they received a copy of an auto loan agreement I had with XXXX. I have yet to receive their business license number to practice in the state of California. I have yet to receive a copy of the notice they have provided to all credit bureaus indicating late payments are to be reversed. Since my complaint indicated above, Ditech has provided a notice of servicing transfer dated XXXX XXXX, XXXX to be effective XXXX XXXX, XXXX. I have never..ever.received such a short notice ( please see attached ).
Product: Debt collection

The three request ( dispute ) letters that have been sent to Clark County Collection resulted in no success. All letters have been sent Certified Mail with copies of my ID and Social Security Card. In my letters I've demanded that Clark County Collection send me documents showing that the account that they have reported on my credit report belongs to me. Clark County Collection is currently violating Federal Law in regard to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of FCRA. I have sent these letters as disputes to XXXX beginning XX/XX/2020 with the last letter being sent on XX/XX/XXXX. XXXX has sent me dispute results saying the accounts had been verified. However, Clark County Collection has not provided me with a copy of any original documentation or a consumer contract with my signature on it which they are required to do according to Section 610 ( a ) of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to all three credit repoting agencies, that XXXX XXXX XXXX was opened in my name without my consent. Attached with be the police report and FTC report to support my claim.
Product: Checking or savings account

on XX/XX/2024. I made two claims on my wells fargo account. Both claims were denied without full explanation YET wells fargo canceled my card and sent a new one out. I called to get additional money info as to why it was denied and there was no reasoning given to me. If wells fargo was planning to deny my claim why even cancel the card? The buck stops here! I want my money refunded and I will be taking my business elsewhere as soon as my funds are returned!
Product: Credit reporting or other personal consumer reports

OUR COMPLAINT In Accordance with the Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681, THESE ADDRESS & NAME ARE NOT ACCURARE # XXXXXXXX XXXX XXXX  Tx XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX tx XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX tx XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX, XXXX, XXXX XXXX, THE LIST ABOVE ACCOUNTS HAVE VIOLATED MY RIGHTS. 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C.1681Section