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

Unauthorized reporting and inaccurate information from my credit report.
Product: Debt collection

Midland credit management have excessily called and threatened to sue for debt. Never showed up to court to case was dismissed so debt is now invalid. It is still showing up on my credit report. I would like this removed
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Sunrise saying I owe {$550.00} not showing first payment infact sunrise collection saying cable or phone no date started just XXXX? I requested original contract with my signature I don't have cable I have wifi n Hotspot with my XXXX phone contract for over 5 years. After I presented that knowledge to XXXX sunrise just ran with cable XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I sent the below letter to Barclay Card to dispute a transaction : On XX/XX/2023 I bought a car using XXXX from a private individual for {$5500.00}. XXXX is linked to my Barclay account. Unfortunately, the seller initially provided the wrong email address for the XXXX account. The first payment went to the wrong person. 

There were XXXX payments made that day. XXXX was to XXXX XXXX. The other to XXXX XXXX XXXX. Both payments were for {$5500.00}. The payment to XXXX XXXX XXXX is correct. The payment to XXXX XXXX is incorrect. 

We immediately contacted XXXX in an attempt to resolve the issue. I am attaching the correspondence with XXXX, including correspondence with the wrong XXXX XXXX where she makes it clear that she doesn't know anything about the {$5500.00} and further states I hope you get your money. Despite this, XXXX essentially passed the buck and informed us to take it upwith Barclay. I called Barclay during this time and I was informed to try to resolve the issue with XXXX first. 

To summarize : a payment for {$5500.00} was made to the wrong XXXX XXXX. She makes it clear that she doesn't know me, and has not done business with me. She has not requested {$5500.00} from me. Despite this, the {$5500.00} is still being charged against my card. 

On XX/XX/2023 Barclay denied my claim.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX has called me for a debt that i owe to XXXX XXXX XXXX XXXX. In the amount of XXXX and had threatened to garnish my wages for this debt
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Wise US Inc. for wrongful account closure, withholding of my funds, and failure to provide a fair and transparent resolution process. 
Timeline of Events 1. I have been using Wise to receive income and transfer my own funds from my XXXX  account to the U.S.

2. Wise requested income verification, and I fully complied by providing : My tax return My paystubs My bank statement showing salary deposits and Wise transfers 3. Despite my full compliance, Wise suddenly closed my account without notice or explanation and is now holding my funds.

4. Wise has refused to release my funds or provide a process for withdrawal.

5. Customer service has been unresponsive and has not provided a solution. 
Financial harm done My legally earned money is stuck, preventing me from making essential payments. 
Due to Wises actions, I am facing missed payments, financial penalties, and potential overdraft fees.

Wises lack of communication and transparency has caused severe stress and anxiety. 

Violations of Consumer Protection Laws Wises actions violate multiple financial laws, including : 1. CFPB Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Rule Wises unjustified withholding of funds and failure to communicate are unfair and deceptive business practices.

2. Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693f ) Wise must provide a reasonable process to dispute or retrieve funds when closing an account.

3. Financial Conduct Authority ( FCA, XXXX ) Fair Treatment Rule Wise is regulated in the XXXX and must treat customers fairly and provide clear reasons for account closures. 

If Wise fails to comply, I request that the CFPB investigate Wise for unfair banking practices and issue penalties for non-compliance. 

Wise has a pattern of poor compliance management and customer dissatisfaction, as seen in numerous complaints regarding sudden account closures, withheld funds, and lack of due process, demonstrating a failure to uphold fair treatment guidelines under CFPB, FCA, and EFTA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA :XX/XX/XXXX Issue : Removed a closed positive account from Reporting without passing XX/XX/XXXX year XXXX XX/XX/XXXX. The item was there in the report on XX/XX/XXXX. 

Item : OneMain Financial Opened XX/XX/XXXX and Closed XX/XX/XXXX. 

On XX/XX/XXXX Called XX/XX/XXXX Customer service and the Dispute Department Agent said they didn't delete it and there were no disputes against the item. Asked to call creditor if deleted it. 

XX/XX/XXXX called " OneMain '' Credit Bureau and verified that they didn't send a Deletion. 

XX/XX/XXXX Called back XX/XX/XXXX again and they say they can't add the record back to the credit file. 

Impact : The wrongful deletion caused my Mortgage score to drop 18 point making my ability to Qualify for Mortgage which I need to Close in about 3-weeks.
Product: Checking or savings account

On Monday XX/XX/XXXX, I had a deposit of my XXXX payment to my XXXX account. I logged into the app and transferred {$3000.00} to my linked Navy Federal Credit Union account to pay some of my bills. The transferred had reflected as going through. I had a balance left was {$780.00}. I logged off the app once I was done. I tried logging back in to check to see when my insurance payment was due and got a message that I was locked out of my account. I called XXXX and told them something was going on with my account. They told me that I was locked out because there was several transactions done that looked suspicious and someone had breached my account and locked me out. She also said they believe that they got my Navy Federal account number as well. I then called Navy Federal right after on XX/XX/XXXX and the next morning XX/XX/XXXX to report to them that there had been a breach on my XXXX account and I would like a fraud alert added to my account there. No one explained to me on each call that they do not do " fraud alerts '' just add a note to the account. On Friday XX/XX/XXXX, I called XXXX to get a status update on the process and I was told they decided not to give me my funds back and my account was in the negative - {$110.00}. They also stated that they sent a letter to Navy Federal requesting the {$3000.00} be sent back to them which put my account in a negative status- {$2000.00} ( currently ). Navy Federal took {$1100.00} from my account and sent it to XXXX and did not notify me they had received this letter. They also took {$540.00} out of my savings account. They closed my account ending in XXXX and opened a new one then added the negative balance. It now shows - {$1400.00}. I now have no funds and no way to pay the rest of my bills. 
They are in violation of 15 U.S. Code 6821, 15 USC 1692g 809. Validation of debts and 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
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, credit repair services, or other personal consumer reports

Attached is the document filed with the Police dept, Last year I had Thief in my bank account and some one tried to take out a XXXX card. 

Police reports, XXXX XXXX and documents concerning this matter was Faxed to all three credit reporting agencies. 

I have also spoken with all three agencies personal about this matter. 

Yet, Experian, XXXX and XXXX continue to sell my personal information to marketers and promotion. I have OPTED-OUT with all agencies. 

I shouldn't have to do this every year, All three agencies have allowed access to my credit reports from any one. I haven't signed any consent to have my Credit report viewed by ANY COMPANIES in the past since the Thief in my accounts. 

The credit reporting agencies are TOTALLY responsible for the THIEF in my bank accounts and the damage that Ive had occurred. The time and effort that I had to go threw to straighten out the damage that could have been done to my Finance.

The credit reporting agencies have continued to ILLEGALLY sell my personal information and supply my this to companies without my consent.

The credit reporting agencies expect me to pay them to protect my personal information and make additional monies on me Its not enough that they sell my personal information now they want me to pay them to secure this data. 

The credit agencies have gotten away with having their data base access and not taking responsibility for this bad behavior. After the damage has been done they still continue to get away with this Illegal action and make money on the consumer. 

The credit reporting agencies should OPT me out of all marketing and promotion. I have done this in the past and shouldn't have to do this every year. 

The credit reporting agencies continue to put me and my personal finance in jeopardy, the only people that should have access to my personal credit should be my creditors. And who ever I give consent to and I haven't done that at all. 

The credit reporting agencies are responsible for the THIEF in my account, I should have a list of all the marketing agencies that my personal information have been sold to and hand over that list to the Police to continue their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft. There are addresses on my report which do not belong to me. My address is XXXX XXXX XXXX , XXXX, NJ XXXX.Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. I am completely willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent inquiries from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EQUIFAX ARE BIAS AND SHOWING FAVORITISM TO XXXX XXXX XXXX XXXX. I AM A SERVICE MEMEBER AND ARE DEMANDING THIS BE REMOVED AT ONCE OR BE SUED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00}
Product: Checking or savings account

Dates and amount and I can't access the account number on my pay stubs
Product: Checking or savings account

The XXXX XXXX fraudulently charged my Suntrust debit card in XX/XX/2018. I reported this to Suntrust. Suntrust reversed the charges, did an investigation, and without any evidence decided to undo the reversal of changes of approximately {$1000.00}. This caused a cascading amount of overdraft charges due to this unanticipated chargeback of the fraudulent charge. I contacted Suntrust numerous times to straighten this out and Suntrust refused to provide evidence that the charge was nonfraudulent or resolve this issue. I knew the charge was fraudulent because I did not charge it and did not authorize it. As a result of this incident, Suntrust put me in XXXX. I contacted XXXX XXXX recently after being notified Suntrust had noted this in the XXXX and explained that this was the result of fraud. Despite this XXXX did not remove this entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorized these following inquiries below : They have been affecting me from getting credit. 

XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX-XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a Customer of XXXX XXXX XXXX, I have an Auto lease from them. 
my account was set up on AutoPay and they were drawing the money each month automatically. the lease maturity date was on XX/XX/2021, so I called 2 times on XX/XX/2021 in order to extend the lease. XXXX approved my lease to be extended till XX/XX/2021. Since the Account was set up on AutoPay I thought they are pulling the money automatically like they did every other month during the time of the lease and since the representative on the phone didn't mention anything about the AutoPay getting canceled. I called again on XX/XX/XXXX, XXXX and I've been told that everything is ok and the representative didn't mention anything about a payment past due and he just said that everything is ok with the account. after checking my credit I noticed a late payment reported on my report for the month of XX/XX/2021. I called XXXX to check what's going on they told me that the AutoPay got canceled since the maturity date of the lease was due on XX/XX/XXXX, XXXX and therefore I'm late for over 30 days. 
I've been trying to explain to them that when I called the representative didn't mention anything about it and even when I called 2 days after the payment due date I've been told that everything is ok with the account and no action needs to be taken. 
I never had a late payment on any of my accounts I'm a very responsible person and I understand my financial obligations. please help me fix this issue ASAP. 
I'm planning to apply for a mortgage and it came to my attention that the missed payment on my record could hurt my ability to qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unathorized inquires that I have contacted XXXX  about stating they are not accounts I have applied for and they said they will not let me dispute them. Which is totally illegal. I have the right to have incorrect information taken off my credit report. 
I have contacted every listed company, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I am humbly asking that you request that XXXXto initiate an investigation the into inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry. 

The inquiries are Syncb/XXXX Inquiry from XXXX  XXXX, XXXX Syncb/lowes Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX Syncb Inquiry from XX/XX/XXXX Syncb Inquiry from XX/XX/XXXX ( XXXX ) XXXX Syncb Inquiry from XX/XX/XXXX I would also like to ask the name of every inquirer to please relay the information to the bureaus to delete this information. 

Thank you
Product: Credit reporting or other personal consumer reports

Mailed letters on XX/XX/ and XX/XX/ to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Debt collection

I had Medicaid, which paid all of the medical bills XXXX % after a XXXX, including XXXX and XXXX. 

I notified XXXX XXXX XXXX XXXX of their billing error in writing and also by telephone, both times providing my medicaid number. 

However, XXXX XXXX XXXX XXXX sent {$110.00} to collections anyway, even though Medicaid had already paid all of their previous submissions for XXXX reimbursements.
Product: Debt collection

I contacted XXXX XXXX XXXX  back in 2022 to settle an auto loan debt. I worked with XXXX XXXX and made my payments directly through her totaling {$10000.00}. I was told that I would get a pay for delete. The debt has been settled a year now. I was given a notarized satisfaction saying debt has been settled in full. XXXX XXXX XXXX  never removed it from my credit as promised and is also saying I still owe {$6000.00} on the debt. I have filed several disputes as well as contacted XXXX XXXX several times with no resolve. XXXX was XXXX in the way she treated me. Once the debt was paid she stopped answering calls and e-mails as well. The credit bureaus are advising it is nothing they can do as the XXXX is advising I still owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Money Source keeps saying that the home was not discharged in XXXX XXXX which it was per the XXXX Discharge and The Money Source own attorney sent me back a letter stating such. 

Everything is attached plus the letter from their attorney I received today.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against VyStar Credit Union regarding an inaccurate late payment that has been reported on my credit report. 

On XX/XX/year>, I paid for my car loan as I realized it didn't come out via autopay. However, VyStar Credit Union inaccurately reported a late payment to the credit bureaus, which is having a detrimental impact on my XXXX XXXX. 

I have been enrolled in VyStar 's auto-payment system since day XXXX of my loan. However, their system appears to have malfunctioned, stopping the automatic payment without any prior notice or communication to me. Despite the fact that I did not receive an email notification or any other form of communication indicating that the auto-payment had failed, I made the payment manually as soon as I became aware of the issue. Unfortunately, VyStar has refused to remove the inaccurate negative derogatory mark, despite my prompt resolution of the matter. 

The failure to send any notification or email regarding the interruption of my auto-payment system is a clear violation of my rights as a consumer. This erroneous late payment, which was due to a system error on XXXX part, is now negatively affecting my credit history and score. I have contacted VyStar multiple times to resolve this issue, but they have refused to correct the inaccurate reporting or remove the derogatory mark. 

I am requesting that VyStar Credit Union immediately remove the inaccurate late payment from my credit report. The payment was made on time, and the negative mark should not have been added due to their system 's failure and lack of proper communication.I have never missed any payments with XXXX or any creditors. 

Thank you for your attention to this matter. I trust the CFPB will assist in ensuring that VyStar takes appropriate action to rectify this situation and prevent further harm to my credit. 

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

Original Balance for pay off amount is {$5700.00}. 
When I called XXXX, they said I owe them {$6100.00}. 
They are adding interest each month for an charge off.
Product: Debt collection

FABCO claims that I owe {$840.00} that was belong to XXXX XXXX a landlord that once I was renting an apartment from. 

FABCO sent me a list of maintenance charges that XXXX XXXX  ( their client ) believes that I caused them. 

I don't agree with those maintenance charges and they lack any evidence. 

They have added a collection activity to my credit file and caused my credit score to go down.
Product: Credit reporting or other personal consumer reports

Though finance company XXXX XXXX XXXX has been haunting me for years on my report cuz I have no affiliation they're name should be nowhere on my report since last complaint no how do I understand that XXXX items what's showing up on my credit report still about all my XXXX I think I should have a fair compensated resolution for my hardship and stress and struggle trying to get all these issues take care of because my credit is all I have
Product: Debt collection

I have a vehicle that was repossessed by CAPITAL ONE AUTO FINANCE in the State of TEXAS on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Under the laws of the State of TEXAS UCC 9.614 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I have a reported balance of {$9800.00} showing on all three of the credit bureaus. 

I was never provided with copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. I have reached out to all three of the credit bureaus as well as Capitol One for proof of the resale of the vehicle and have yet to receive anything.