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

Last year I paid my debts. I started in XX/XX/XXXX. The first 2 were XXXX XXXX  and XXXX. Since that date both were paid in full. XXXX XXXX   account number is XXXX. It was sold to XXXX XXXX XXXX. Their phone number is XXXX. It should say paid in full. It could be moved to the collections file as paid in full. I will include statements from all the accounts that need to be corrected. The next account is XXXX, account number is XXXX. This account was sold to XXXX XXXX XXXX. Their number is XXXX. It was paid in full also. On my credit report there are 2 accounts that are both the same. That is the XXXX and portfolio. 
The XXXX account number is XXXX it was paid in full on XX/XX/XXXX. I have also included a statement from XXXX stating that the account has been paid in full. 
The last account is XXXX XXXX XXXX account number is XXXX. It was paid in full on XX/XX/XXXX. I am including a copy of the paper that XXXX XXXX XXXX
Product: Debt collection

Hello, I recently logged onto XXXX XXXX to pay find any debt I may have. I have been on XXXX for a few months now and recently received an income, which is the reason Id like to pay off debts owed. I went XXXX XXXX last year XXXX XXXX. I had suffered in XXXX to my XXXX XXXX, XXXX, up to XXXX XXXX. I had taken the XXXX at XXXX in a clients XXXX. I was forced to work the rest of the day without being able to XXXX XXXX or get medical treatment until a couple of days later. After being XXXX for my right XXXX I had reported feeling XXXX. I went to XXXX XXXX where I was treated for a XXXX that XXXX XXXX said may have been XXXX during the fall and XXXX  clothing. I had mentioned this XXXX to my work place but they said it had no revelance to the XXXX. Till this day my case is still open and today I paid out of my pocket for something I feel that my work place should have provided treatment for as well. The original amount due was XXXX today I was told the amount was XXXX. I paid the amount off and asked if this could please be taken off my credit record. I was told it could not but would reflect as paid. If you could please look into this account with Arcadia I would greatly appriciate it. I find it unfair to have had to pay out of pocket for an XXXX that was due to XXXX on a clients XXXX at work and not getting medical attention or being allowed to go home to at least XXXX XXXX. Now Im being told this will stay on my record regardless if I pay it off and the amount increased. Thank you for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, has 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 : It also states a consumer reporting agency can not furnish an account without without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several hard inquires on my credit report that I do not recognize. The list is as followed : Inquiry from XX/XX/XXXX : Institution Information XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information Cap1/wmt XXXX, VA XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I received a letter from Direct Express in XX/XX/XXXX saying I would get a new payee benefit card because their processor was changing. XX/XX/XXXX came and I never received the new card. I called XX/XX/XXXX and was told they would send XXXX out within XXXX business days. XX/XX/XXXX I called back because I still hadn't received a new card only to be told XXXX was never sent out on XX/XX/XXXX. I again was told to wait another XXXX business days for a card. I was also told the XX/XX/XXXX Social Security benefits would be mailed as a paper check from the Social Security XXXX since I wouldn't have the card by then. Well, on XX/XX/XXXX I didn't receive a paper check so I called Social Security who said they sent the monies to Direct Express. I called Direct Express and now couldn't get a live representative. I tried for an entire week and at all times of day only to get a recording that said their phone lines were busy and I would need to call back. Social Security said they had an internal way of sending Direct Express messages and that Direct Express had an agreement with them to call clients within XXXX  hours of receiving the message from Social Security. Well, I never got a call even after Social Security sent them messages over several days. This has all caused rent and numerous other bills to be late and meanwhile I still don't have a card.
Product: Credit reporting or other personal consumer reports

I have been getting stalled as a consumer I have sent this credit reporting agency correspondence multiple times regarding the inaccuracy and forgery of reporting accounts on my credit report and they still have yet to take action. And have instead continued to stall me and violate my consumer rights.
Product: Debt collection

XXXX XXXX ( Original Creditor ) account was placed in collections for {$93.00}. 
The debt collector is WAYPOINT RESOURCE GROUP. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a card with XXXX Visa for several years. I have paid this card on time or early every month. II have never been late on this. I have not used the card, however they charge me {$6.00} a month just to use the card? XXXX and XXXX I just went in on the XXXX of the month and " scheduled '' a payment to pay the {$6.00}. I have not had a balance for sometime and I always pay this way. I do not like auto payments as I have found errors before and feel this is the safest way. Unfortunately, my payments for both months apparently did not take. I had no knowledge of this for the following reasons : 1. I never received an communicaitons from the Company saying I was late. The first I heard of it was last Thursduay and was told I was sent to collections. I was shocked! I asked why I received no word of this, and they couldn't offer any information re : that because they never did. Most companies send out reminder letters or call, in this case nothing. I immediately paid the amount which had an assessed late charge on it. I then received 2 more email the next day stating my balance was past due! Funny how I got those but nothing prior. 

2. My payment history was that I either paid on the XXXX or or I paid early. I have not had 1 payment late with this compnay EVER. Why would I miss a payment for {$6.00} to ruin my credit. This makes zero sense to me. I asked to speak to a supervisor, they stated they would have one call me. This never happened. They said within 24-48 hours I waited with no call coming in. 

3. Today I called and was basically told they could do nothing but remove the late fee mean while they have a ding on my credit report. 

4. Most upstanding companies communicate with their customers, however, XXXX Visa does not until " it's too late ''. It's almost like that is their ultime goal. 

5. I have submitted paperwork to them and do not feel I will get any where with them, but feel they should be looked into. 

6. When I asked why did you contact me? Crickets! I looked through all my emails and there was nothing. Nothing received via mail. 

7. I mailed a letter with informaiton to them on Thursday directly and have attached my documentation. 

8. After receiving the call I immediately went in while on the phone with them and paid it and I still after paying it I received 2 different emails within 5 minutes of each other stating my payment was late! Funny that they sent those but never sent anything else prior. 

I am very frustrated by the way this company treats its customers. You can not speak to anyone with authority and all you get is someone who reads from a script! 

I would like to have this company checked into for their businesses practices and also hopefully they will do the right thing and reverse this on my credit report for {$6.00}
Product: Credit card or prepaid card

I, the consumer, reached out for the second time to Comenity Capital Bank regarding a late fee of {$35.00} added to my consumer credit account ( see exhibits attached ). I mailed them a billing error letter, dated XX/XX/2022, letting them know that they are in direct violation of 15 U.S. Code 1666b and they need to remove the late payment from my consumer credit card account. ( see exhibit attached ). 

Comenity Capital Bank responded to my complaint stating they are unwilling to remove the late fee due to the terms explained in the credit card agreement. They also stated in their claim that they are required by law to report factual information to the credit reporting agencies. 


Comenity Capital Bank is in violation of 15 U.S. Code 1666d 15 U.S Code 1692j - Furnishing certain deceptive forms 15 U.S. Code 6821 ( a ) ( 2 ) - by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution ; 15 U.S Code 6823 ( a ) - In General, Whoever knowingly and intentionally violated, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both.
Product: Money transfer, virtual currency, or money service

In XXXX, someone hacked into my cash app account and stole {$5000.00} by adding their card info to my account. I was able to transfer {$1000.00} back to my account from theirs, but due to cash apps transfer limits, I could not. I lost {$4000.00} to these people. The case went to the FBI and I am no longer able to get info on the case or my money back, even if though someone was arrested for it. I did file a police report. Now, cash app has upped their transfer limits, but that wont help me get my money back. I do have all documents available for proof.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a letter to both XXXX and Equifax to reset my Online Access as I am not able to login due some kind of blocking or security issue with their website and systems. I have called them so many times but no use and I do not have Online even after 6 months of trying.
Product: Debt collection

I had an account that I was always current on until unforeseen circumstances happened. I then kept paying even though I am on limited income due to being taken off work and ongoing debilitating medical issues of my own. My husband is XXXX XXXX   XXXX veteran and civilian and we do not need the harassment. I made the mistake of ordering family items from this account who promised to help me pay down the debt however they did not. I lost my mom and had to also assume her financial things. I continually kept the company abreast of what was going on because I had always been current. I VOLUNTARILY closed the account and continued to pay The last few months I have been having ongoing medial issues and not been able to pay my usual payment but will be resuming that as I can. I had one collection agency contacting me about this debt, then another even though when I sent payments directly to the company they still cash them-it says right on the cashed check. I want the collection companies to stop threatening me and my family, who are on limited low income of disablility, with a judgement. My credit report says that the debt was written off and the company no longer collects but they do cash the checks for the debt but they do not update my credit report of the payments to help me, just take the money, say they are going through a collection agency and not report my payments so it looks like on my credit report that I have not paid in years.
Product: Debt collection

This third party collection agency has purchased a debt with out my consent. I did not have any contract with this company for a debt. I have tried to get this bad reporting off of my consumers report for the past XXXX years and they keep stalling with no explanation or proof that they own the debt. I have proof that I sent a letter of debt validation to them certified mail. The mailed was deemed delivered by XXXX to their XXXX office and they did not reply this letter was sent to them on XX/XX/year> certified mail after the account was disputed with the reporting agencies. They have been dishonest with the CFPB saying they werent sent the letter of validation so they dont have to validate the account the proof is in the complaint and according to the consumer laws they must validate the account according to XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian two times on XX/XX/18 and XX/XX/18 regarding unverified accounts : XXXX/XXXX XXXX ; XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. Despite two written request, the unverified items listed still remain on my credit report in violation of Federal Law. Experian and other credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation and subsequent reinvestigations, they stated in writing that the items were " Verified '' and they were being " Reported correctly and/or updated ''. Who verified these accounts? Who did you talk to? What documentation was received to do accurate updates? What were the dates and times of these actions? What contract did you receive bearing my signature to confirm these accounts are indeed mine and not someone else with my same alias? They have failed to prove me with any original documentation as required under 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( 1 ). I want them to be advised under section 611 ( 5 ) ( 1 ) of the FCRA - they are required to " ... Promptly DELETE all information which can not be verified ''. I demand the following items be verified accurately and myself provided with required documentation or for these items be be DELETED permanently from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my report after trying to get approved for a mortgage loan. The company denied me and I was appalled because I haven't used my credit much and when I did I kept good records with everyone. I submitted a complaint for identity theft and attaching the document below
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a credit card account XXXX  XXXX XXXX was opened fraudulent under my name and the bank as well as the credit report agencies XXXX, XXXX and Experian are falsely and and innacurately reporting such account as mine. Ive submitted a dispute to the mentioned credit bureaus and the bank under FCRA law with no answer and that false reporting is dammaging my credit report. 
The XXXX XXXX XXXX, already responded my claim and closed the account without perjudice to my report but the Experian, XXXX and XXXX are still reporting the alleged account under my name, damaging my report and credit score by reporting an account that IS NOT MINE as the XXXX XXXX  already admitted.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian regarding a fraudulent account associated with XXXX XXXX XXXX XXXX XXXXXXXX ) on my credit report on XX/XX/year>. Along with my dispute, I provided all required documentation, including a valid identity theft affidavit, Proof of address, A copy of my government-issued identification, and additional evidence linking me to a data breach.

Despite fulfilling all requirements, Experian FAILED to block the fraudulent account within the four-business-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ) 605B. Instead, Experian informed me that the account was " verified '' without disclosing the sources or evidence used to substantiate this verification. I've attached 2 prior CFPB complaints to this as proof of my attempts to resolve the fraudulent account.

When I called Experian and spoke with supervisors, I was informed that a manual block would not be performed because the account was allegedly ineligible for such action due to their " policy. '' This reasoning is not aligned with the requirements under FCRA 605B. I am now resubmitting the documents in an effort to have the fraudulent account removed within 4 days.

Under 605B of the FCRA, credit reporting agencies must block information identified as resulting from identity theft within four business days of receiving valid documentation. Experian 's failure to meet this legal obligation constitutes a violation of federal law.

Experian has not provided sufficient evidence or transparency regarding their claim that the disputed account was " verified. '' Under 611 of the FCRA, credit reporting agencies are required to conduct a reasonable reinvestigation and provide consumers with detailed information about their findings, including the entities or furnishers relied upon. Experian 's failure to comply with this requirement undermines my rights to accurate credit reporting.
Product: Debt collection

In XX/XX/XXXX a collection account appeared on my credit report from Vance & Huffman LLC collection agency/ attorney. The account # listed is XXXX. 

The address listed for this company is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I have disputed this account several times with XXXX XXXX, XXXX XXXX credit bureaus and the only response which I received was that it was verified. I was a victim of credit fraud in XXXX and had a victim alert added to my credit file with all 3 credit bureaus and the CFPB. This was XXXX Vance and Huffman are insisting for payment for a mattress which was purchased at a store called XXXX in XXXX, XXXX I contacted the store and requested documentation for the goods which were purchased and was told they do not have it as this was opened in XXXX. Please help with clearing up this matter. 

I will attach a copy of what is on my credit report in addition to the victim statement which was added in XXXX for the fraud which occurred concerning another account that the CFPB assisted with removing. 

This collection account is causing me undue stress and harming my credit rating. I ask that due to the length of time this has been ongoing that any penalties or liabilities which Vance & Huffman may have violated that I am awarded any monies under section 1002.16 Enforcement, penalties and liabilities.
Product: Debt collection

Recovery Management Solutions LLC, has harassed myself and my children and ex wife by calling a XXXX number and harassing my ex wife with an account that doesn't even belong to me. I spoke to XXXX employee Id XXXX whom confirmed that the account information doesn't even belong to me. I also spoke to their compliance officer by the name of XXXX XXXX who was rude and condescending however tried to clean up their mess by saying it was a mixup and that they had removed the information from ever being contacted. 

Enclosed is proof from my XXXX child that they called her and my ex wife.
Product: Credit reporting

I asked for a copy of mine and my husband 's credit report after seeing inappropriate data on documents presented at the time of closing on our house. A GENEROUS amount of incorrect information appeared on our credit report - over XXXX credit cards that do not belong to us, with a name and address in another state. I called Transunion, the credit bureau responsible for the additional data, as they had included ALL information for an individual who has the same first name and last initial as mine. Uncomfortable with the fact that I now have all of HER personal information - address, place of work and every credit card number she does/has possessed, I also wanted the appropriate credit score for mine and my husband 's credit history. I asked Transunion to remove her information from the credit report. They assured me they would clean up the credit report and send me a new XXXX within a couple of weeks. That happened on or around XXXX XXXX. 
I called the company today, XXXX XXXX. Today the Transunion representative indicated they could send a new credit report out, but it would not include fresh credit ratings. Further, today the representative indicated that XXXX HAD already been sent on XXXX XXXX. When I asked the question, " To what address? '' the response was THE ADDRESS OF THE OTHER INDIVIDUAL?!?!?! 
This is a bigger issue than getting my credit report cleaned up or getting a fresh credit report and credit score, although those are important aspects to me, as well. There is an alarming gap in processes that allow for me to see information with a Social Security number of a person who simply has the same first name and same first initial of last name ( not even the same last name ) as mine. And, even more alarming, now I am extremely vulnerable, since this other person has been sent a printed copy of all of MY personal information - including my social security number. I am absolutely stunned - I have XXXX social security number, distinctive from any other person and a computer filters exact data, not " approximate '' data. 
In a climate where great caution is encouraged, identity theft is rampant and government agencies are in place to protect the consumer, I am mystified that this could happen. 
To add insult to injury, Transunion will not provide a full credit report without charging me and will not freeze my account without charging me. They have created an incredibly vulnerable environment for someone who keeps my nose to the grindstone, pays bills on time and trusts that the processes in place will protect me. 
I do not even know where to go from here, or what I should do to further protect mine and my husband 's data, strong financial history and my social security number?!?!?!? It has now been sent to someone whose only common data point with me is the same first name.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit profile, there are fraudulent accounts showing on my credit report. I am a victim of identity theft and ask that ALL items be removed and deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to COMENITYBANK/VICTORIA, but they failed to give me any results or feedbacks about this concern. Please investigate and delete it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

I asked Experian to investigate the XXXX account with XXXX XXXX and provide a copy of a contract that I agreed to do business personally with them but they have failed XXXX to provide such information. 
They have not responded provided any details of their investigation and they just update the credit information. 
This is causing me tremendous harm as I am not able to get a XXXX loan which is much needed at this time.