23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have contacted EXPERIANS, XXXX AND XXXX ON XXXX OCCASIONS TO CORRECT THESE PROBLEMS WITH NO SUCCESS. I DO NOT RECOGNIZE ANY OF THESE AGENTS AND COMPANIES WHO HAVE APPEARED ON MY CREDIT REPORT. LVNV Funding : Total amount {$500.00} XX/XX/year>, and {$140.00} on XX/XX/year>. 
And XXXX XXXX XXXX : Total amount {$550.00} on XX/XX/year>.
Product: Checking or savings account

Originally it was a transaction dispute. The bank and I discussed me getting a new replacement debit card. I explained it needed to be rushed delivered because XXXX day was approaching. I didn't know it would be the very next day. XXXX came rung doorbell once and didn't give me time to get to the door they left a door tag. I immediately called XXXX and they explained it would a second attempt then would go back to sender. Few days go by and I decided to go to the local bank. The bank tells me they don't have a debit card for me and to call XXXX back. I call XXXX back and they're telling to go pick up card at a drop-off in XXXX. I go to XXXX and they're telling me they don't have it. Then I call the bank back. By this time I'm livid because of the run around. I was hung up on numerous times by bank representative. I have called the bank numerous times and finally I get debt card yesterday. It took XXXX weeks for me to get and when I tried to activate card it's been reported lost or stolen a dead card. I call to find out what happened. I was rudely hung up on again and still don't have my debit replacement card.
Product: Debt collection

Equifax is refusing to remove non verified information from my credit report that they are inaccurately reporting I have asked them to verify the information that they are reporting by sending me a purchase agreement, the original contract with proof of me owing the debt that is allegedly owed but they just keep saying information was verified without actually verifying the information Ive requested this information in writing certified!! And they are now following the fair credit guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested the credit bureaus to do an investigation regarding incorrect and misleading items that are reporting on my credit reports. My first correspondence was sent out the XX/XX/2020. I did not receive any updates on the status of my investigation at all. I also didn't receive an updated credit report with results. My request was completely ignored. I then sent out another letter to the credit bureaus on XX/XX/2020 notifying them that I haven't received any update in the past 60 days and my request was ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ridiculous! Despite the countless dispute letters and CFPB complaint I have been submitting to the XXXX XXXX XXXX requesting that the immediate removal of the disputed fraudulent accounts and information from my Credit file, the Credit Bureaus have done nothing! I started disputing my Credit File for quite a long time now however the Credit Bureaus have failed to comply with my requests and the Federal regulation to remove the disputed accounts but also have failed to respond to my dispute letters. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information from my Credit File that resulted due to identity theft. The Credit Bureaus have failed to verify for themselves and have claimed that the disputed accounts are verified and accurate, however, their failure to send me copies of proof of verification or any documents bearing my signature yet still continued their reporting of the disputed accounts, is a clear violation of a consumer 's rights under the Fair Credit reporting Act. Once again, I am requesting that the Credit Bureaus remove the disputed accounts completely from my Credit File before my legal aide force me to conduct legal actions : XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX
Product: Student loan

Hi, CFPB! 

On XX/XX/2023, I submitted a payment of {$10000.00} to Edfinancial to pay off a federal loan. The funds were deducted from my account in less than XXXX hours. Despite waiting a few weeks for it to reflect on my account, there was no update on the payment, nor any " payment pending '', " payment processing '' status whatsoever. I intentionally made this payment early to prevent accruing 7 % interest. When I reached out via email, I was informed that it could take XXXX days for any updates to appear. Fine, I can wait. 

However, it has now been XXXX  MONTHS, and there has been complete silence. This situation is worrying because the funds were deducted promptly, but there has been absolutely no acknowledgment or progress on my loan account.
Product: Credit card

I've made it a point to always submit my payments on time with this account, ensuring that there are no instances of overdue payments. Yet, I'm puzzled by the appearance of late payment remarks linked to my accounts. Referring to the guidelines outlined in 15 USC 1666b regarding billing errors, I believe corrective action is necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 my account is reported to credit bureaus equifax, XXXX and XXXX  it is current and in good standing. Then in XX/XX/2022 the company reports 90 days past due. Also in XX/XX/XXXX 90 days past due. You cant go from 0days past due to 90 days past due in 30 days. Both months are reported incorrect. When I disputed it they just turned around and said it was correct and closed the dispute. Unless the XXXX agent doesnt know basic math, anyone can see its incorrect.
Product: Debt collection

The collection Agency HUNTER WARFIELD. continues to refused to accept my valid proof of debt paid. XXXX XXXX refuses to respond to them. The debt was paid almost 2 years ago but they repeatedly continue to reach out to me and also threaten to put this back on to my credit report. All three credit report agencies has already removed this debt in 2022. I have a copy of the check and they continue to deny me even when I dont owe anything. Their client XXXX XXXX refuses to respond to them after they were paid double the amount that was being asked for. They are asking for money that was already paid a long time ago. HUNTER WARFIELD representative even helped me through the process of getting the bad debt removed from my credit report back in 2022. IF XXXX XXXX  refuses respond to them that is not my fault and not up to me. Both companies are terrible and are trying to illegally obtain money from me that was already paid. Falsely report on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00}, XXXX XXXXXXXX : {$12000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00}, XXXX XXXX XXXXXXXX : {$14000.00}, XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX : {$14000.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$25000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired onXXXX XXXX XXXXXXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXXXXXX XXXX
Product: Debt collection

FOR THE PURPOSE OF VALIDATING AND VERIFYING THIS DEBT WE NEED FROM XXXX  THE FOLLOWING DOCUMMENTS : 1. ) THE LOAN MODIFICATION AGREEMENT PRODUCED IN XXXX OF XXXX BY XXXX. 
( THIS AGREEMENT WAS NEVER PRESENTED TO US FOR REVIEW OR SIGNATURE ) 2. ) THE LETTER OF TRANSFER OF THIS LOAN FROM BANK OF AMERICA TO XXXX. 
3. ) THE ACTIVITY OF THIS LOAN BETWEEN XXXX AND XXXX. 
PERIOD IN WHICH BANK OF AMERICA WAS THE SERVICER AND THE LOAN MODIFICATION WAS DELAYED INDEFINATELY. 
THANK YOU.
Product: Vehicle loan or lease

XXXX XXXX repossessed my truck in XX/XX/2017 they are still sending me monthly statements I've heard nothing about them selling the vehicle to reduce my loan balance and this time I loan balance with them is {$12000.00}
Product: Bank account or service

I have a major issue with J P Morgan Chase. I have been using chase for over 7 years including business, person checking and savings accounts. On top of that I have a business Credit card ( which I paid more than {$7000.00} in foreign transaction fees last year ) and XXXX personal credit cards. However, a person sent me XXXX different chase quickpay transactions from XXXX XXXX to XXXX XXXX for me to purchase a product for them, resulting in that person saving money overall. Now, that person claimed that someone without their knowledge logged in their account 6 times from XXXX XXXX to XXXX XXXX and sent me those payments without their knowledge. However, chase send each customer an email with confirmation for each chase quickpay transaction, also on XXXX XXXX XXXX of the payments failed to be funded and that person resent the payment after cornfiimg it was their mistake. 

This person claimed fraud, and because If the investigation I can not submit any evidence from my side, I have contacted chase over 12 times and was given a run around in the branch and over the phone. Today, my account is still frozen, I canny buy my kids groceries, pay my pills, get gas for my car. Chase does n't care about any of that, to them it 's just a process and a procedure, there is no one at the chase branch or over the phone that is willing to explain or give me an opportunity to prove that I am a victim of fraud. 

I hope someone actually reads this.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a credit card account on my file that I did not authorize. I have tried on several occasions to have this account deleted. The company is unable to provide me with documentation showing proof of my ownership of this account. 


-ADS/COMENITY/VICTORIA SECRET acct # XXXX
Product: Mortgage

I applied for a HELOC loan. I was denial based on my credit. They told me and sent me a denial letter saying the reason why I was denied was because of collection and/or judgement. I called the company that sent my credit report to TD Bank. And, they said it wasn't anything negative reporting on my credit report.
Product: Debt collection

Law office of stern and stern unlawfully filed a civil judgment against me for a : ery old credit card account from municipal credit union the debt is over 7 years old and what the collections attorney did was unlawfully and I never was served so that I can defend my self telling them the municipal credit union debt is old
Product: Debt collection

I received email form MATTRESS FIRM/SYNCHRONY HOME saying I needed to pay my account, which I do not have, nor have a credit card with. I ignored the first email and have continued to receive emails with the following greeting : " Hi XXXX, This is just a friendly reminder that you missed a payment for your MATTRESS FIRM/SYNCHRONY HOME account ending in XXXX. Your new total minimum payment is {$210.00} ''. The email is from account XXXX and the toll free # on in the email is XXXX
Product: Debt collection

I received a notification that I owed {$440.00} to a Hospital in XXXX Missouri. This was on XX/XX/2019. I asked the collection company Senex Services CorpXXXX of XXXX Indiana to give me documentation for their claim that I owe {$440.00}. I have heard nothing from Senex. I do not owe this, but they reported it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 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 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 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 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Equifax, XXXX and all 3rd party unauthorized credit reporting agencies.

Subject : Request for Deletion of Credit Report Dear XXXX XXXX, Equifax, XXXX and all 3rd party unauthorized credit reporting agencies.

I am writing to formally request the deletion of my credit report due to multiple security breaches and the lack of any active lines of credit under my name. I have experienced five security breaches, including incidents involving Equifax, for which I have received settlements. Additionally, I was affected by a recent credit breach from XXXX XXXX XXXX. 

According to the data breach website, my Social Security number and personal information have been compromised by these companies. Given this information, my credit report should have been locked, and there should be no listings or open lines of credit. I have not had any credit accounts for over five years, and due to health issues, I am no longer driving, further reducing my need for credit. 

Furthermore, I request the immediate detection of my credit report to prevent any unauthorized access and the removal of my information from all third-party pre-approval lists. I believe that all three credit bureaus ( Equifax, XXXX, and XXXX ) should have refrained from sharing my information without my consent. 

I also request the deletion of any and all unauthorized information on my report, including but not limited to addresses, phone numbers, income, and any charge-offs. It is essential that my credit report reflects only accurate and authorized information. 

Additionally, I want to bring to your attention the recent lawsuit settled in XX/XX/year>, which held credit reporting agencies accountable for mishandling consumer data. This settlement further underscores the need for the protection of consumers ' personal information and reinforces my request for the deletion of inaccurate information from my credit report. 

Please be advised that under the Fair Credit Reporting Act ( FCRA ), I am entitled to request the deletion of any inaccurate or unverifiable information. Failure to comply with my request may result in a fine of up to {$1000.00} as stipulated by relevant laws.

I kindly ask that you investigate this matter and provide written confirmation of the deletion of my credit report. Please let me know if you require any additional documentation to support my request. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting this complaint to correct the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureuas are obligated to finish your investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The XXXX 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX DE XXXX Balance {$170.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX  customer service representative.
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.
Product: Checking or savings account

I made regular payments to companies under my XXXX XXXX at Truist Bank a subsidiary of the FDIC ( formerly Sun Trust Bank ). Recently over the past year, I have had problems with Truist paying through XXXX XXXX promptly. Also, I have questioned their transactions of my funds with excessive overdraft fees and accountability of how my funds were disbursed regarding the remaining balance. XXXX main bills paid are : XXXX XXXX XXXX : Water Service, XXXX XXXX, and XXXX XXXXXXXX XXXX 
I am filing this complaint today because I have been making payments to the City of XXXX : Water Service Division ( Revenue Department ). The official address where the Truist Bill Pay of {$64.00} is paid on my behalf every XXXX months is : XXXX XXXX Department : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I reviewed my payments through Truist and the payments were made. However, the water service division stated they did not receive the payment. I asked Truist to send a copy of these payments to my email and they have not been received. I do not understand why no request from Truist Bank in regard to funds from my checking account has been acknowledged. I have problems with getting into my online bank account and reviewing my deposits plus XXXX have problems with automatic withdrawal being delayed going to other banks or creditors. 
Feel that my account has been tampered with more than once and Truist security for the protection of my funds need to be reviewed.
Product: Debt collection

SACOR FINANCIAL, INC has been debiting my account on a debt I owed and agreed to pay XXXX a month. The last letter I received was with a balance of XXXX XXXX/XXXX/14. I called today to find out why they are still debiting my account and they said I still owe XXXX. I asked why my statement stop showing my balance and they said I still owe more money. No where did it say I owe more money. I need help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion had the wrong date of birth on my profile. My correct dob is XX/XX/1978 not sure why you all are reporting incorrect dob.. never had a problem to recent .please make sure my dob is reporting as XX/XX/XXXX XXXX
Product: Debt collection

This account was started fraudulently, Ive asked this company to stop reporting this fraudulent account which was the result of identity yet they continue to violate my rights and reputation by reporting these fraudulent items on my report. This needs to be removed immediately this is a violation of XXXX XXXX XXXXXXXX and the FCRA. Remove this from my credit report immediately and stop destroying and defaming my credibility.
Product: Credit card or prepaid card

On XXXX a card presented as my WISELY card was fraudulently used to withdraw all funds ( {$260.00} ) from my account at an ATM in XXXX XXXX CA .while my card is still in my possession and while I was working a XXXX hour shift at XXXX in XXXX CA XXXX I filed a complaint with WISELY card services but the outcome was that there was no fraud and my money was not refunded. My company continues to use wisely for deposits for my meals on a daily basis but now Im scared to use the card so its been locked. I would like to warn everyone wisely its NOT SAFE and they will not do an appropriate investigation. Wisely case number : XXXX.
Product: Money transfer, virtual currency, or money service

last XX/XX/2022, my account on paypal became permanently limited access, the paypal says that I have a suspicious transactions even though I've what they are requiring me for, all of my money got hold and I need to wait for another 180 days to get my money, wishing and hoping to restore my account in order to get my money back
Product: Debt collection

I DO NOT OWE XXXX  {$320.00} OR {$180.00}. REMOVE FROM MY CREDIT REPORT. I WAS A VICTIM OF IDENTITY THEFT WHEN MY CAR WAS CARJACK
Product: Debt collection

This is in Reference to Portfolio Recovery. This is a collection account, in which i do not have any knowledge of the company. I have asked Multiple times requesting validation of the debt, as well as copy of the original contract that was signed with my signature. Pursant to usc 1682G ( b ), I am able to see the proof of chain title of ownership. They have refused to send me any documentation. Along with this, it is listed on my credit report as open with past due amount showing. As a collection account it should not be open and not showing late and past due amounts. With this being said i wou7ld like it to be removed as being inaccurate.