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

SUMMARY : 1 ) XXXX XXXX XXXX XXXX continues to ignore and report accurate reporting on my credit files at XXXX, XXXX and Tranunion. Over 45 days have passed since they have received the insurance check and the balance was mostly paid off. 

2 ) XXXX XXXX XXXX XXXX XXXX to acknowledge there was a payment arrangement made in XX/XX/XXXX causing them to refuse to acknowledge this information to a gap lender, who said they reopen the investigation from the crash and potentially pay off the gap or {$900.00} and some dollars needed. 

CAUSES : 1 ) in early XX/XX/XXXX, a payment arrangement was made with XXXX to catch up the missed payments 2 ) on XX/XX/XXXX, the vehicle was in an accident and was totalled 3 ) XX/XX/XXXX, XXXX XXXX pays XXXX over {$16000.00} towards the {$17000.00} balance. 
4 ) In later XX/XX/XXXX, the Gap insurance company closes the file with no payment a ) I called to argue with them and was told I could get a partial refund on the premiums b ) I was informed they closed the case because XXXX informed them there was no arrangements made on the late payments. ( AUDIO RECORDINGS EXIST. I was also informed that if XXXX  would acknowledge to the GAP insurance company that an arrangement was made, they would reopen the file and potentially pay the " GAP '' 5 ) XXXX  total loss department was called again and XXXX argued that no such arrangement was made and he refused to look into it. 
6 ) XXXX total loss department call involves XXXX. She acknowledge that a call was placed in early XX/XX/XXXX with the collections department, but couldn't confirm what the conversation was about. 
7 ) XXXX more conversations were held with XXXX about the Credit reflecting that the balance reporting still shows $ XXXX+. I demanded to have XXXX  properly update the information on several occasions 8 ) More calls were placed to other department to XXXX XXXX XXXX XXXX about them inaccurately reporting on my credit files. Was told there was nothing they could do about it. 
9 ) XX/XX/XXXX, the credit files are still in violation of US code 15, 1681 and are being inaccurately reported, despite the fact XXXX received payment for the vehicle. 

Considering that XXXX XXXX has a history of lying, steeling and cheating people out of money, I wouldn't put it past them to treat my circumstance no differently ; whereas, they practice an operation that has shown to be illegal. I guess they think they are exempt from following the rules and the LAW. 

I want them to confirm with the GAP insurance company that an arrangement was made so that the balance can be paid in full, as well as to get their butts moving and fix my credit report immediately! ( 45 days have past and they still haven't followed the letter of the law ). 


CONTACT : XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following accounts to be corrected or deleted right away : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  Balance : {$530.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I have requested a copy of my escrow analysis from my loan servicer and they have not provided me with it.
Product: Credit card

XXXX card was evidently discontinued and transitioned to Barclaycard XXXX. I received these notifications but declined the offer, did not respond and did not activate the BarclayCard. 

Unfortunately XXXX and BarclayCard took it upon themselves to open an account for me and pay a merchant, XXXX I had setup for an annual subscription with the XXXX card. 
My complaint is that I did not approve the transfer and opening of a XXXX account, did not approve that account ( with BarclayCard ) to pay anyone on my behalf. 
I have now had to spend my time ( time is $ ) to clean up this mess. Barclaycard sent me multitude of mailers that I promptly threw in the trash, again I DID NOT want to have their offered XXXX, and I made my choice by NOT accepting the offer. As I was unaware they had created an account and paid out on it, I ignored all mail from them and they continued to add charges and fees, and now want me to pay this vendor, that they chose to pay without my approval. 

My understanding of consumer credit is that an express permission/acceptance is required in order for a credit card company to actually open an account and accept/pay charges against it. When did it become legal to just transfer and open new accounts without my express permission? 
The merchant was XXXX I had setup some time ago, an annual subscription, and yes I had forgotten. However, it has been my experience that when I change cards/accounts or the card expires these merchants will contact me and ask for a new payment solution. This is what I expected when XXXX discontinued their card. I did not expect that some bank could just create a new account for me.
Product: Checking or savings account

I received a text message from an unknown number XXXX ( XXXX ) XXXX on XX/XX/2022 at XXXX XXXX  ( PST ). 

Message states : " CITI : Dear Client, We temporarily blocked your debit card due to recent unusual transaction, Sign-in citicardXXXX to unlock your card. '' Issue : This is a scam. I do not use CITI bank, therefore do not own a debit card through this company.
Product: Credit reporting or other personal consumer reports

Experians response to claim # XXXX is patently false and they have knowingly and willingly lied to the CFPB concerning the investigation is not yet complete and ongoing when they have in fact closed the investigations and have not removed the derogatory and incorrect information on my account. Information I requested to be removed has again either re-appeared or never corrected and they submitted that their findings were correct and case ( s ) closed. In each case items such as former addresses and/or aliases that I never lived at or assumed are still there even after requesting removal and they did not provide data to support their assertion. This is complete XX/XX/XXXX. That they continue to falsify testimony to the CFPB with impunity. By law they should have removed the information and now are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute the XXXX XXXXXXXX XXXX credit card information showing on my credit report with all three of the credit bureaus back in XX/XX/XXXX and again on XX/XX/XXXX & XXXX XXXX. I contacted XXXX XXXX XXXX on XX/XX/XXXX and was told by 5 different representatives that they do not have a closed credit card account for me and that they only show closed checking and savings account with them in their system. I asked if they could send information to the bureaus correcting this but was told they would have to have an account to access in order to update this misinformation with the bureaus. I disputed the account again and have already received results from Experian stating that the account came back as verified and will remain. I do not understand how they are validating an account that XXXX XXXX  XXXX can not pull up when I called them directly. I provided the full account number that one of the Experian representatives provided to me and XXXX XXXX XXXXXXXX could not pull it up in their system. Please assist! Thanks in advance!
Product: Checking or savings account

Hi, I attempted to close my Chime.com, an internet bank account in early XXXX. It is now late XXXX and I've had no success. 

In XXXX, I contacted them by phone and they said a check was already mailed out..wait 7 to 10 days days.

I followed up with email. Please provide a drivers license ... Done.

Next email... please provide a copy of a social security card..Me..nope not sending a copy of my social over the internet ( social security cards can not be used for identification anyway ) Next email... please provide last 4 digits of social done Next email..we need a copy of a utility bill ... sent Next email..sorry the copy is insufficent..please resend with all 4 corners showing At this point, I'm done. They are just stringing me along only to ask for something else. 

Can you assist? 
XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2018, I visited to XXXX XXXX in XXXX XXXX MD to check out a vehicle I wanted and get a purchase order from them. I went in already having financing from my credit union. While at the dealership the salesperson had me to do a " hold contract '' ( which required an application with my social security number ) to hold the vehicle for me granted that I made a down payment that day then once I came back with the check from the credit union they would void the " hold contract ''. I only authorized XXXX XXXX to run my credit for the sole purpose of the " hold contract ''. But since then, I've been getting credit notifications about multiple hard inquiries being made on my credit report that I haven't authorized. Those hard inquiries include : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX all of which I didn't not authorize.
Product: Checking or savings account

Fulton bank has placed my bank on freeze for no apparent reason and they have all documents required.
Product: Debt collection

This is a very simple complaint. When I began struggling financially BMW called wanting me to pay them or give them the vehicle. They even told me if I let them take the vehicle and it sells for more than what I owed or I paid the deficiency off, They would delete the entry from my credit report. After hearing that I let BMW repossess the vehicle. I do see on my credit report BMW has a {$0.00} balance but that isn't the point. One, they never sent me a letter showing what the vehicle sold for. Two, I can still see it on my credit report even though they promised a deletion. Three, when I call BMW regarding the situation, they tell me I can't speak to a manager and they don't escalate calls. 

Bottom line is they need to delete this from my credit report as promised. If not, then they need to give me a disposition of vehicle. For all I know, they owe me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I filed chapter XXXX Bankruptcy protection. In XX/XX/XXXX, I requested my plan to be dismissed. Roughly 5 months later I received notice for the first time from Nationwide that there was a balance due on the loan previously protected in the Chapter XXXX filing. Further the loan was " crammed down '' as part of my Bankruptcy XXXX filing. Nationwide reversed this " cram down '' after my Bankruptcy dismissed. Once I was notified that I owed on this vehicle I immediately settled the balance for less than what was owed but legally in full. After doing so, Nationwide has consistently reported erroneous information on my credit reports. Currently, on my XXXX report they are reporting that my vehicle was " Charged Off '' 6+ times ; in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This account was settled and legally paid in full in XX/XX/XXXX. I was not given an reasonable opportunity to pay/settle the debt after my bankruptcy was dismissed so as to avoid a negative reporting by Nationwide on my credit report. I became aware of the debt in XX/XX/XXXX and immediately settled it once I became aware that it was due. For the past two years I have gone back and forth with Nationwide disputing and asking them to correct the unfair and inaccurate reporting of information on my credit report to no avail. They make one update and then add others that negatively impact my credit. 

THEY POSTED SIX CHARGE OFFS ON MY CREDIT REPORT. AS A RESULT MY TRADELINE FOR THIS ACCOUNT IS REPORTING 60+ DAYS. THEY POSTED OTHER INACCURATE PAYMENT INFORMATION ON MY CREDIT REPORT. 

NO PROOF OF CONTACT TO ME VIA PHONE OR OTHERWISE! 

AGREED ACCOUNT WAS SETTLED FOR LESS THAN FULL BALANCE, NOT THE ISSUE. 

NATIONWIDE HAS BEEN NOTIFIED SEVERAL TIMES WHAT IS INACCURATE. 

THIS IS MY LAST ATTEMPT TO SEEK REASONABLE RESOLUTION BEFORE ALL RIGHTS WILL BE ENFORCED.
Product: Credit reporting or other personal consumer reports

reviewed a copy of my credit report and noticed a fraudulent account on my report. please remove this account from my report as its holding me back from obtaining a good credit. thank you
Product: Debt collection

This company contacted me by email after government release information on XXXX student loan agencies, they promise to step in and make full payments as of XX/XX/2021, and by XXXX of 2021 I myself had my own loan discharge and no thanks to the company who made no payments to the student loan nor have I received any refund of the {$780.00} taken from my bank account. Wire fraud is a crime and if this continues all education institutions will be questioned..do n't answer any phone calls making promises that can only hurt your future Guidance XXXX a month evidence is attached.
Product: Credit reporting or other personal consumer reports

Request for Deletion of Collection Account [ Account Number : XXXX ] I am writing to you regarding the above-referenced account with LVNV Funding LLC XXXX It has come to my attention that LVNV Funding LLC has obtained and furnished my consumer report without my explicit authorization, thereby violating crucial regulations under the Fair Credit Reporting Act ( FCRA ). 

The violations are as follows : LVNV Funding LLC has failed to obtain my permission to furnish my consumer report for any permissible purpose as defined within Section 604 ( a ) of the FCRA, 15 U.S.C. 1681b ( a ).

Pursuant to Section 604 ( f ) of the FCRA, 15 U.S.C. 1681b ( f ), LVNV Funding LLC is explicitly prohibited from obtaining consumer reports for reasons other than those explicitly authorized in Section 604 ( a ).

LVNV Funding LLC has neglected to certify truthfully that it is obtaining the consumer report for a permissible purpose, as required by Section 604 ( 1 ) ( 2 ) of the FCRA, 15 U.S.C. 1681b ( 1 ) ( 2 ).

Furthermore, LVNV Funding LLC has utilized my consumer report for a purpose other than those permitted under the FCRA, as outlined in Section 604 ( f ), 15 U.S.C. 1681b ( f ). 

Given these violations, I demand that LVNV Funding LLC promptly delete the collection account associated with [ Account Number : XXXX ] from my credit report. 

Please confirm in writing once this deletion has been executed and ensure that all pertinent credit reporting agencies are duly notified. 

Failure to comply with this request will leave me with no choice but to pursue further legal action. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XX/XX/XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting to credit bureau. Everything must report accurately this way is grounds for deletion I paid car off and they added another late payment I owe nothing on car
Product: Credit reporting or other personal consumer reports

My information and accounts was exposed to data breach pursuant. I ask that all inquires not attached to my open accounts, hard inquiries, late payments, charge offs, all previous addresses be removed and all collections be removed because of my data being exposed to data breach 15 USC 1681
Product: Credit card or prepaid card

On or around XX/XX/2019 I was approached at the XXXX XXXX by a XXXX/American Express representative who was offering a promotion for increased miles. I told the agent that I already had a XXXX XXXX card and was not interested in getting a new card. They advised that was not a problem. They took my card information and had me sign a document and then said that I was eligible for a promotion through the XXXX/American Express Platinum Card. When I reiterated that I did not want to upgrade my card they informed me that it was just checking to see if I would be eligible for the offer and that I could choose to sign up or not for the Platinum card once I received information in the mail. Instead, I received a new Platinum Card in the mail. I contacted American Express on XX/XX/2019 and spoke to multiple agents, supervisors, and individuals in the customer retention department. Despite my conversations and even requests to speak with someone in the fraud department ( as I felt I had been defrauded ). I was told I had two options. I could keep the platinum card ( which has an annual fee that is {$100.00} more than the one I currently have ) or I could downgrade to the card I initially had ; however, doing so could put me at risk of being ineligible for future upgrade promotions. The could not just make me whole again and remove future ineligibilities. They claimed that nothing could be done, despite me being signed up against my will or knowledge. 

I would like to be in the position where I determine if and when I sign up to upgrade or change my credit cards.
Product: Debt collection

In late XXXX I received billing statements for a medical service from " XXXX XXXX '' claiming I had incurred a medical service expense of {$310.00} in XX/XX/XXXX, and that a medical insurance company had made an " adjustment '' in XX/XX/XXXX and claiming that as a result I now owed {$260.00}. I went to the company 's Contact Us website www.gohealthuc.com and posted the questions below and never received a response. 

Questions asked : What were the services delivered on XX/XX/XXXX for which I was charged {$310.00}? 
What insurance company made a payment of {$260.00} on XX/XX/XXXX? 
What insurance company made an insurance adjustment ( {$310.00} ) on XX/XX/XXXX, which is a year-and-a-half after the original service date? 
What is the reason for the insurance adjustment on XX/XX/XXXX? 

I subsequently received a billing statement from a " debt collector '' called ARstrat claiming they were collecting the same debt. I sent them a letter in the mail with the same questions above, but never received a response. I then received a second collection notice, and called the phone number provided for Customer Support ( XXXX ) XXXX. I received an automatic/robot which asked for my social security number in order to process my inquiry. When I declined to input my SSN, the robot said their offices were closed and hung up. I believe this whole thing to be a fraud.
Product: Credit reporting or other personal consumer reports

I am listing 3 inquiries from my transunion credit report and 2 authorized users from my Experian and 2 authorized users from my Transunion credit report fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The listed inquiries and authorized users do not belong to me and must be removed from my experian and transunion credit report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Experian and Transunion to mark listed inquiries and authorized users as fraudulent and remove from my credit report.
Product: Credit card or prepaid card

I tried to view my current interest rate for my credit card. I logged in to their online platform and tried to look up the interest rate and it can not be accessed. 

Usually, they provide interest rates on their statements, and their Help FAQ section tells customers to look at statements to find the rate. However, I have not had any recent transactions on this card, and without transactions, they do not provide statements. I can request to have a paper statement sent to me, but that could take up to 7-10 business days. 

I called the help line to confirm, and the representative not only confirmed this, but she said there would be nothing to send because Bank of America does give statements without recent activity. She also could not find the current interest rate for me to view on my portal and had to transfer me to a supervisor. 

I think this is criminal and not ok that consumers can not view their interest rates to know what they are going to be charged before deciding to use a credit card. Bank of America should give a statement each month, regardless of whether or not there are transactions, and they should give customers access to their interest rate information 24/7.
Product: Credit reporting or other personal consumer reports

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.
Product: Credit reporting or other personal consumer reports

I do not recognize these address please removed them from my credit report thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX I do not have alias name please removed all alias or any other name on my credit report XXXX XXXXXXXX XXXX XXXX