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

Due to XXXX I got behind on omy payments several times. In XX/XX/2022, I caught my account up. I asked the lender to delete the late fee and delete the past late payments from my credit report. The representative deleted my late fee on that call ; However, they have failed to delete the late payment history from my credit report. I have called them serval times to remind them of my rights under the cares act to and request my file be updated. I have also informed them that they are violating my rights based on 15 USC 1681A 2A : Reporting late payment is reporting a transaction.
Product: Credit reporting

There is public record on my credit report # XXXX, and it is showing incorrect information and I would like for it to be deleted off my credit report. It is currently only on my Equifax credit report and that 's it. The date filled is listed as XX/XX/XXXX reference # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. 
The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX # XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX
Product: Debt collection

A false auto loan was thrown onto my credit profile and I would like it removed.
Product: Credit card or prepaid card

I recently completed a refinance of my home and through this process was able to payoff all of my credit cards. I was very excited to have every single one of my credit cards paid off but as soon as I had paid off my balances, SYNCHRONY/CARE CREDIT immediately lowered my credit limit. I was really confused as to why this adverse action was taken and when I called to find out why I was told that I was reported late on my account. I don't understand how a late payment can occur when the balance has already been paid off? 

I was on the phone with SYNCHRONY/CARE CREDIT throughout the process of my refinance and advised each representative that I spoke to that my account would be getting paid off soon. 
Each time I spoke with an agent I was told that everything was fine and that there wasn't anything that I needed to do and that my account was noted. If I was late, why did I not receive any phone calls or statements advising that I was late or requesting a minimum payment? I'm really disappointed that SYNCHRONY/CARE CREDIT never offered me any kind of payment forbearance or deferment to help prevent any negative activity on my accounts especially after I made every effort to keep them in the loop. Now everyone 's paid off but I have a XXXX credit score? This is not right at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion are reporting balance and or high balance on accounts that are closed which is violation of credit reporting also all closed accounts do not state if original creditor or sold all closed accounts are reporting incorrect information as these accounts are sold to third parties so XXXX  and TransUnion are using incorrect information on re-aged accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In a letter to Macy 's dated XX/XX/XXXX, I explained the circumstances of two late payments from XXXX and inquired if it would be possible for a good will adjustment as my account has since been paid off and in consistent good standing for the past five years. In the letter, I took full responsibility for the late payments and never disputed the fact that they were late. After receiving a response saying that after an investigation, the report is accurate, they placed a comment on my credit report that I dispute the information. I do not wish to have this notation, as I never disputed anything. I just wanted to see if it would be possible to remove the late payments after paying off the debt and keeping the account in good standing for several years. I once again reached out to Macy 's to remove the dispute comment but it has never been resolved. I fear that as I prepare to apply for mortgages, creditors will be weary of any sort of dispute seen on my credit reports.
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. Account Name : XXXX Account XXXX : XXXX Issue : unauthorized XXXX. Account XXXX : : XXXX  XXXX Account Number : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX Account XXXX : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX Account XXXX : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXXXXXX Account Number : XXXX Issue : unauthorized XXXX. Account XXXX : XXXXXXXX XXXX Account XXXX : XXXX ssue : unauthorized XXXX. Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Issue : unauthorized XXXX Name : XXXXXXXX XXXX  Account XXXX : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account XXXX XXXX : unauthorized XXXX. Account XXXX : XXXX Account XXXX XXXX : unauthorized XXXX. Account Name : XXXX XXXX Account Number : XXXX Issue : unauthorized My rights have been violated 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: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a current up to date copy of my XXXX credit report from Credit Karma for close to a year and a half. I have contacted them on multiple occasions and each time, they state different ways to remedy the issue from uninstalling and reinstalling the app to using the website on a personal computer instead of a cell phone to deleting my account and opening a new account to changing my password as well as sending proof of my identity so they can update my information, all of which I have attempted to no avail. The issue I encounter is not being able to see a copy of my report from that day and instead I am given the choice of XXXX reports with different dates, XX/XX/2021 and XX/XX/2021. I also have the option to choose and receive a current, up to date copy of my XXXX report which does indeed provide the current, up to date report. I have email after email back and forth with Credit Karma but I don't have a remedy to this problem. I still can not get a current XXXX credit report from them.
Product: Vehicle loan or lease

On XX/XX/XXXX, I leased a brand new XXXX XXXX XXXX through ALLY for my business as a XXXX XXXX. As the mortgage rates were at an all time high my business was doing very well but in return it caused me to have high mileage. Upon approaching a year, a had over XXXX miles on the car and I knew I had 2 more years remaining on the contract so I called to try to figure out how I could get out of the contract. I was told that I could sell the car and after a month that's what I did. Ally gave us the amount to settle thee lease and it was paid. I had already made {$6000.00} of on time lease payments. ALLY had me sell the vehicle for $ XXXX which is {$5000.00} above XXXX XXXX XXXX value of the vehicle. Vehicle SOLD. After almost 2 months I receive a call from Ally stating that I owed {$390.00} for choosing NOT to lease with them again. I was told at the selling of the vehicle that all fees were included in that payoff. They already charged me a ridiculous amount for an early termination fee and the Deposition fee was included in the sell price, so why am I being charged another Deposition fee when we were told it was included in the payoff amount along with the early termination fee. The guy XXXX told me that we were being charged another {$390.00} we decided not to lease with them again. To me that sounds like another Deposition fee?!!? I keep asking ALLY for a detail breakdown and ALLY told me that they would not submit that to me until I paid the {$390.00}. How is that right for ALLY to charge me yet again for an amount that was SUPPOSELY included in the payoff? The early termination was added so why am I now getting this amount after being told that ALL FEES were added in the payoff in which they told the dealership on speaker phone. Now what they are going to say is that they didn't include it but they did because we asked for the full balance including fees and that's what was paid. I shouldn't get a notice stating a still owe almost 2 months later because they can keep doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is a very difficult bureau to deal with the associates are very condescending and sarcastic and like to tell you they dont have the ability to fix any issues as per a conversation I had with a experian agent on XX/XX/XXXX and she hung the phone up on me as well .... 

Issue is they had a account listed in chapter XXXX however the chapter XXXX bk was deleted because it was not accurate, the had a account from a company called XXXX XXXX XXXX ACCT # : XXXX WITH NOW A BALANCE OF {$810.00}, problem is EXPERIAN had this account for 4 years listed with the notation : INCLUDED IN BANKRUPTCY however I called the company and they said that they did not give experian that information and thats inaccurate, Ill have a letter in a few days that I can upload stating this fact, from the creditor aka data furnisher ... when experian removed the notation they have incorrect data of FP on dates that is not accurate and they can not and will not verify, I asked them to delete the file due to false reporting on their part and not able to retrieve accurate information on a sabotaged file, they should have removed it asap
Product: Mortgage

I was provided with contact information for XXXX XXXX XXXX a lender at MegaStar Financial Corp. by a realtor with the best of intentions. When I got in contact with Mr XXXX one of the first things he advised me to do was pay off my debt including a {$15000.00} vehicle loan. This is a substantial amount of money for me at any time but especially now because Im currently furloughed due to COVID-19. I felt a genuine unease not only because Im a first time home buyer but because my mental ability for making decisions has been severely compromised due to XXXX both of which require me to rely heavily on people who are supposed to be professionals. I proceeded with Mr XXXX advice and after paying off all but my car, which I was still reluctant to do, I contacted him to let him know the progress. The first thing he said was what about the vehicle? It was obvious that Mr XXXX wanted me to pay off my car. After I did what he advised I contacted him once again to let him know. It was at this point that Mr XXXX informed me that I was ineligible for a loan at this time due to the furlough. A fact Mr XXXX had neglected to inform me of prior to paying off the vehicle. If he had informed me I would not have had a reason to proceeded in paying off my car loan at this time. My lease is up on my apartment next month and I dont have a house or the {$15000.00} I will need for a place to live and to fund my education over the summer. Im less than 60 days away from being homeless. Advising a furloughed restaurant server with limited funds in the middle of a pandemic to pay off a {$15000.00} car loan is not only incompetent it is negligent. In his follow up call Mr XXXX actually used his own lack of debt as some kind of standard because like he said he only pays cash for his cars. Mr XXXX is a working banker and I am an out of work waiter, his comparison only further proves the incompetence. There is however something called an ethical standard. {$15000.00} may not be a lot of money to him or anyone reading this but it is to me. The distress this has placed on me is borderline fatal at this point.
Product: Vehicle loan or lease

Its a car loan at shows as charged off and written off from driveway finance. The account was charged off. {$38000.00} written off. {$45000.00} past due as of XX/XX/year>. Company has not sent documentation to my correct address and has added an XXXX XXXX  address to my credit report. I like in XXXX  and never resided in XXXX. I reached out to the company in several occasions to email and on phone for my XXXX since they written off the debit on their taxes. Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming you owe the debt.
Product: Credit reporting or other personal consumer reports

Certified mailed of dispute to Transunion in XXXX to remove incorrect name and incorrect employment and information under status of employment ( XXXX ). When a received copy of report all the incorrect information was not removed as requested.
Product: Bank account or service

XXXX Regarding above complaint ; after months of fighting, Wells Fargo forgave the debt and XXXX out my account and closed it. Months later, I started receiving collections calls for more than {$1400.00}. 
I have been what seems as duped into believing that this company had rectified this error on their part and instead just moved the debt to another are of the company to try and retrieve. 
Please tell me how I may fix this once and for all and move on from this nightmare. 
Supporting document will be uploaded asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX and XXXX Someone at XXXXXXXX XXXX hacked into this credit card account DISCOVER BANK : XXXX and XXXX and transferred money to their accounts! I informed them that I did and authorize these transfers. They would not so I closed these accounts in XXXX of XXXX over 7 years ago. It still is showing up on my credit reports!!! Also XXXXXXXX XXXX in hacking into my accounts again!!!!
Product: Credit card or prepaid card

Netspend sent me an unsolicited card in the mail leaving me susceptible to fraud. I received an email explaining that they were sending me a card and that I needed to activate it immediately. Only problem is I did not request a card from them nor did I fill out an application for a card nor did I request to become a customer of their bank. Netspend repeatedly sent me unwanted emails putting pressure on me to activate the card. I have excellent credit and do not need a prepaid credit card. I also take ID theft and my data security very seriously which is why I am filing this complaint. Someone could have intercepted the card and activated it. The card and any future transaction would then be done in my name and on my credit. I also could not tell if someone was sending me a gift card or if the card was an actual credit card. All communication was driving me to activate the card for the sole purpose of putting me in a position to pay fees to Netspend. My main concern is the fact that I never initiated any of this activity. I did not contact Netspend or fill out an application to receive one of their products. They had no problem exposing me to fraud.
Product: Debt collection

ARS is a debt collection company that claims I owe {$460.00} for an unknown medical debt. They say XXXX XXXX XXXX is a billing agency for XXXX XXXX   hospitals in XXXX ohio. While I have contacted BOTH places, the debt ARS claims does not exist to the original billing company. This collection has been in constant dispute. Further damaging my credit with their constant reporting to all three credit bureaus. I believe that a medical debt completely unknown to me was sold to this agency for pennies, and is over 5 years old at this point.
Product: Credit card or prepaid card

I reported this creditor to CFPB a couple months ago. Not only are they ignoring CFPB 's investigative request, but they are back at it reporting negatively on my credit reports. Bottom line is there was fraud on my account someone changed my address with this creditor without my knowledge. I report the unrecognized charge they close my credit card and they refuse to send me a statement of what I owe and what charges were made. My online account has a zero balance that they have now locked me out of. That's okay because I took a screen shot of it figuring they were going to try to cover up their wrong doing. A week or two ago they completely closed my account and notated closed by consumer which isn't true. With everything they screwed up on this account is it to much to ask for an accounting of what they are saying I need to pay. Twice now they have damaged my credit score. Isn't there a regulating government agency with some teeth that can fine or legally go after this company for all these ridicules shenanigans and damages to my credit. After several attempts to have anything sent to me from this creditor I asked if they could overnight information seeing how you can't get it to me by way of USPS and I was told they don't do that. I said even with all these extenuating circumstances and I was still told no.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've challenged the following accounts on many occasions, however the main 3 credit bureaus, Equifax, XXXX, and XXXX all responded by stating accounts verified. Well then the only thing I can request at this time before going to the FCTA, is the Method Of Verification should in order to close my initial dispute .Who did your company speak with, and what was the method of communication, was it phone, fax, email, text, fax, etc. And what was the date, time, and documentation that made you come to your conclusion. The accounts are, Account Resolution C, one for {$350.00}, and the other for {$130.00}. Nor do I have an contract with this company..please send me the Method Of Verification inwhich your decision was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, IS REPORTING A CAR LOAN ON MY CREDIT WITH A BALANCE DUE THAT IS ERRONEOUS AND INCORRECT ACT # XXXX. I WAS SOLD A DAMAGED CLOUDED TITLE VEHICLE ( LEMON LAW VIOLATION ) XX/XX/2016 XXXX XXXX  FINANCED THIS ILLEGIBLE VEHICLE. I RETURNED WITHIN 30 DAYS AND WAS TOLD THAT FINANCING IS CANCELLED AND REVERSED. XXXX XXXX   OVER THE PHONE CONFIRMED I DID NOT OWE THEM ANY BALANCE AND ACCOUNT WAS CLOSED AND DISMISSED. HOWEVER, THEY ARE REPORTING THIS ON MY CREDIT REPORT CONTINUESLY AND STILL WITH BALANCE OF {$4600.00} DUE WHICH IS NOT CORRECT AND IS A VIOLATION OF MY CONSUMER RIGHTS. MY NUMEROUS ATTEMPTS TO CONNECT WITH XXXX XXXX  WENT IGNORED THEY ASKED ME TO WRITE TO THEM BUT NEVER ANSWER.. PLEASE HELP SERVE JUSTICE ON THESE PREDATORS AND VIOLATORS
Product: Credit card or prepaid card

XXXX XX/XX/XXXX went to the u.s. bank on XXXX and Arkansas put my card into the ATM machine the machine kept my card waited an hour to speak to a representative through the door to advise them of the problem they brushed me off I had to force them to take my name and phone number to recover my card out the machine call the branch manager XXXX XXXX and she threatened me not to approach her XXXX man who showed up while I was in line trying to make a withdrawal with a withdrawal slip instead of the ATM and she threatened to call the police on me because I knocked on the door to get her representative XXXX and XXXX 's attention to let them know of the situation I was having with my ATM card stuck in their machine I have to wait for days which is Friday to get my card back I'm appalled I've had my account for three years this was my first time having a problem with using it ate my card at the ATM machine and I thought it was very unnecessary for them to have to call the police and make threats to me not to approach their XXXX man with my ID to get my card because he was servicing the machine at that time and I do have pictures to show proof of what I experienced today
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a collection account from XXXX XXXX XXXX that you continue to verify as accurate in my credit report. I have contacted both TransUnion and XXXX XXXX XXXX multiple times, requesting documentation to prove that I have an account with this company. To date, no such proof has been provided. 

I do not have an account with XXXX XXXX XXXX. Therefore, they have no basis to collect a debt that does not exist, nor should they be reporting inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information reported is accurate and verifiable. By failing to remove this unverified account, you are in violation of 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ). 

I am requesting that TransUnion immediately block and remove any information related to this fraudulent account, as I am reporting this as an instance of identity theft. The failure of XXXX XXXX XXXX to provide evidence of an account number, payment history, or any legitimate connection to me is clear. If this issue is not resolved, I will pursue legal action to protect my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX on a matter that pertains to my credit. I have been a victim of fraud. I sent XXXX XXXX XXXX XXXX a copy of my FTC affidavit via certified mail. I have 4 accounts on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to XXXX XXXX XXXX XXXX to remove these 4 fraudulent accounts from all three credit bureaus ( XXXX, experian ) and XXXX XXXX XXXX XXXX disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay XXXX XXXX XXXX XXXX and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!
Product: Checking or savings account

I use to have an account with Wells Fargo Bank and the made many charges on my debit and credit card and never solve the issue, I ended closing my account and a few months later I started receiving letters from the same institution saying that my account was overdraft, I went to the bank and the person who helped me out said that the manager open another account under my name, that was with out my authorization. 
I also had a credit card on those times and they sent several bills to me, I was scared so I paid those bills to the bank but now I read about all this issues, I would like to file a complaint. 
Thanks for your attention. 
Looking forward for your response. 
And thanks for your help. 
XXXX XXXX