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

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AR XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Updated XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX INQUIRIES XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX A XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with TU, XXXX and XXXX. There are four trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. This is not the first time I have been in contact with these  agencies about this. I am requesting that effective, immediately all four of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : $ {$7000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$5600.00} XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$14000.00} XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$1600.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent! 

--
Product: Student loan

After the housing market bubble burst, my husband, XXXX, went from making XXXX figures to stick figures ... .i asked Navient/XXXX about my options ... they suggested forbearance. I was on consecutive forbearance since XX/XX/XXXX I believe because they said that was my only option. I began paying XXXX XXXX in XX/XX/XXXX and then Navient took over. I have tons of late fees and interest to where my balance is above what I borrowed. My account number is XXXX. My XXXX repayment plan i started is to end in XX/XX/XXXX. I can currently afford what I am paying now but in XX/XX/XXXX I '' m not sure what I will do. I have loans from XXXX at XXXX University XXXX Pennsylvania and for one year of tuition at XXXX University XXXX XXXX XXXX in XXXX Pennsylvania. Navient wo n't pull my payment history from the days when I was paying XXXX XXXX so I ca n't download that history of payment. At one point i owed just {$34.00}, XXXX ... now it 's {$43000.00}.
Product: Checking or savings account

Processing larger transactions first causing overdraft fees. Smaller transactions were made before larger. XXXX
Product: Debt collection

I have a debt with XXXX for an old XXXX card, my debt was sold to a company called midland financial. In XXXX of XXXX I recieved a letter informaining legal actions will be taken to receive money for the debt, however i could stop this if i call there legal office and set up an arrangement, which i did on XXXX/XXXX/XXXX and the first payment of XXXX dollars was made on XXXX/XXXX/XXXX and after that until XXXX/XXXX/XXXX monthly payments of XXXX dollars was made on the account. Now when i set up the arrangement last XXXX i informed the rep to leave notes that I would be laid off on XXXX/XXXX/XXXX, i was informed to contact the company when it close to that day and I did on XXXX/XXXX/XXXX. The manager who took the recored calla and I asked him to leave notes on my acct said he will have the last payment come out on XXXX/XXXX/XXXX and he stop all other automatic payments and he would send me new paper work and that i had to return with my termination letter. Now as of yesterday XXXX/XXXX/XXXX I received a credit monitoring notice information me i had a judgement on my record and it was found it was placed by Midland with the county of XXXX in Virginia on XXXX XXXX XXXX ( while payment were being made on the acct ). I called the company and asked why this had taken place they said because I stop making payments and that I didnt return the paper wrk that was sent to me ( this is the paper work i have been waiting on ). It was later discovered that they sent said paper work to an old address of XXXX XXXX va and not the address that all my payment reciepts have been coming to of XXXX XXXX XXXX XXXX va.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed several unauthorized accounts on my credit report. This complaint is submitted Under OHIO LAW U.C.C XXXX Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C XXXX Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is in error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs ; if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following accounts are unrecognizable : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts on my credit that I am unaware of and need removed please. A car lease with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and a loan that is now a charge off from a place called XXXX XXXX
Product: Checking or savings account

On several dates BofA debited our personal account for a charged off corporate credit card. 

They have taken over {$5000.00} over a two year period. This is against federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I was notified that i had an open account with XXXX  XXXX XXXX  that had let payments on it. The account was open XX/XX/XXXX. The credit limit on the account was {$400.00} dollars. and it was charged for XXXX dollars. I never opened the account with XXXX  XXXX XXXX. I have reached out to XXXX  XXXX XXXX  multiple times to get the account removed. no luck still
Product: Credit reporting, credit repair services, or other personal consumer reports

Repeated requests to provide methods of accuracy & verification used by TransUnion pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent
Product: Mortgage

Roundpoint Mortgage Servicing Corporation has lost my hazard insurance information and is not effectively monitoring various websites they have outsourced multiple processes to. 

When I try to access their website at roundpointmortgage.com, they offer no method for contacting them securely from that site, and instead redirect me to a website on a completely different domain, at XXXX. That site in turn then directed me to yet another domain at ihaveinsurance.com that is broken and offers no way of contacting the company that operates the site. 

For payment and other account management tasks, the roundpoint.com site again is useless and their " sign in '' button merely sends the customer off to yet a third domain at XXXX, which like the other sites offers no secure method of communication. 

I am concerned that this company is engaged in risky and quite frankly " sloppy '' management of personal data and is not exercising due diligence to ensure third parties they redirect customers to are operating functioning sites that provide secure means of communication and transmittal of data.
Product: Debt collection

The company is Portfolio Recovery according to google. They call from various different numbers from all over the country and never leave a message. They harass with their multiple daily calls from all over the country. They use different numbers to avoid getting caught. Please stop this harassment! They have over XXXX collection complaints on the BBB website alone for these practices. 

Last number called from XXXX, XXXX Their actual address and phone number is : ( XXXX ) XXXX Portfolio Recovery Associates, LLC 21 years in business Headquarters XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 2 disputes online to remove an account I am not responsible for, did not authorize and has been explicitly outlined in my divorce decree. I disputed the JPMCB credit card opend in XX/XX/XXXX and account - JPMCB CARD SERVICES # XXXX in XXXX and in XXXX. Both times it has not been removed and as of XX/XX/XXXX the account has been updated to show it is a current charge off when it was originally charged off in XXXX by my ex-spouse. It has now affected my credit score by 44 points and I will not be able to purchase a home. JP Morgan Chase has been indifferent and condescending and careless in their innacurate posting and accountbaility of this account and hold me resposnsilbe and reported on my credit when I have zero to do with this card and never authorized them to have my info or place me on this account. 

I need JP Morgan Chase to remove this info immediately from my credit reporting, it is affecting my houseing and livelyhood. Finance companie or banks or any company for that matter should not have this much power and inlfuence in the lives of citizens, in particular when they are not responsible for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 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

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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

This is my 3rd complaint with the CFPB in regards to the information that is on my credit report, once again I have been denied credit due to whats showing on my credit report, I will share the number that the creditor has compared to what Experian is reporting. This is problematic because my EIDL loan was also denied, if someone from Experian doesnt fix this I will be speaking with an attorney regarding defamation & incorrect as well as inaccurate information
Product: Credit card

Comenity Capital Bank approved me online for a XXXX visa account. I was sent cards and activated them. I went to use the card not even a week later and was declined at the merchant. I called customer service who advised me that my account had been closed and I would get a notice in the mail explaining why. I have never experienced the revocation of an approval before ... especially after i was just approved. I contacted the Consumer Relations department who informed me of the same and that the bank could close my card at any time. They indicated recent inquiries ( I am working on rebuilding my credit ) as the reason why and that my account was too high of a risk and no further consideration would be made. I expressed concern with the fact that the application should have never been apparoved if that was the case. Now i would have not only an inquiry on my credit, but a short opened account that was then closed by the grantor. I can reasonably explain my situation and have had accounts in good standing with the creditor in the past. My card should be reopened as it was originally approved or all indication of an account removed from my credit report. This " delayed '' risk assessment is a very poor customer experience and the impact to my credit is unacceptable. I would like to continue my relationship with the bank and intend to honor our agreement if they will honor theirs.
Product: Credit reporting or other personal consumer reports

I recently pulled my consumer report and there are accounts that I have no relationship with.
Product: Money transfer, virtual currency, or money service

I received a notice from cash app that {$900.00} was paid to a consumer named XXXX. I immediately tried to dispute it with cash app. I was unable to request a refund. I reached out to XXXX  XXXX after transaction received automated email response. XXXX  had taken small amounts {$3.00} or {$4.00} then the next big jump @ XXXX was {$900.00}. I've filed a police report also have emails where I've tried to reach out to both company 's cash app and XXXX. Cash app told me there's no way for me to send the police report or proof that I tried within minutes of notification to dispute this with XXXX. I didn't authorize this transaction to XXXX. I canceled my cash app card also had to receive a new bank card.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing this to file a formal complaint against the company named Lexis Nexis regarding the unauthorized disclosure and distribution of my personal information without my consent. I request your immediate attention and swift action to rectify this matter. On XX/XX/2023 Lexis Nexis shared my information with XXXX XXXX XXXX XXXX  when I did NOT sign any form of documentation to release my information with anybody. So what I want CFPB to do about this is First conduct a thorough investigation into the unauthorized disclosure of my information Secondly, I want y'all to ensure that Lexis Nexis takes immediate steps to cease the distribution of my personal information third, advise me what I need to do in order to protect identity and mitigate any potential harm resulting from this unauthorized disclosure. Lastly, I want a full report of this investigation 's findings, including actions taken against Lexis Nexis and their compliance with relevant consumer protection laws and regulations Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sent in a few disputes on the XXXX of XXXX and have yet to receive any resolution from Equifax and XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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  Balance : {$4000.00}
Product: Payday loan, title loan, or personal loan

Tower Loan is calling obsessively. They are even showing up at our house, even after we talk to them and make payment arrangements. They are harassing my husband and I every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was discharged from chapter XXXX bankruptcy in XX/XX/2018, there are multiple accounts showing incorrectly on my Equifax credit File XXXX XXXX XXXX autoloan-showing open with late payments, should be showing included in bankruptcy XXXX XXXX XXXX autoloan-showing open with late payments, should be showing included in bankruptcy XXXX XXXX Credit Card, showing charged off with an open balance of {$4200.00}, should be showing included in bankruptcy XXXX XXXX XXXX-collection account showing open, should be reported as closed or removed as I am not longer responsible for this account as it was included in bankruptcy XXXX XXXX XXXX-collection account showing open, should be reported as closed or removed as I am no longer responsible for this account as it was included in bankruptcy XXXX XXXX XXXX-collection account showing open, should be reported as closed or removed as I am not longer responsible for this account was it was included in bankruptcy I have disputed these accounts multiple times which has resulted in no change. These accounts should be updated to show closed included in bankruptcy.
Product: Credit reporting or other personal consumer reports

we use paypal for many things. i dont know if i am sending this to the right company or not. XX/XX/XXXX paypal froze my business account for 6 months for a so called transaction they claim violated there terms. these terms were not the terms when i signed up and i never agreed to anything different. paypal took {$420.00} froze it then kept or stole it. they still will not comment on why. this is theft breach of contract and racteteering. XX/XX/XXXX and XX/XX/XXXX i was charged {$39.00} each month from a company i never agreed to have money withdrawn. paypal still doesnt reimburse for the fraud. XX/XX/XXXX a charge from family dollar for items was charged for {$520.00} these items were wrong and the company would take a return and paypal claims this was a friends and family charge, XX/XX/XXXX a charge of {$500.00} from a sugarhouse website was fraud and again no refund. XX/XX/XXXX charges for XXXX and XXXX and XXXX charged and i received wrong items., they claim these were paid friends and family. paypals site doesnt give an option to pay a certain way. if someone sends me a request i don't know how its coming. the items were also wrong and the company billed it under a different name so i couldnt contact them back so this is fraud. XX/XX/XXXX my check for deposit was suppose to be mailed to me but they froze that for 11 months till they finally changed my address. paypal doesnt respond to anything steals money and doesnt keep there terms or refunding for fraud.
Product: Credit card

I purchased an item online. When the product did not arrive I tried to reach out to the company. The company is not legit. here is their website and phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I opened a dispute with American Express and they came back that the charge is valid. I do not know what research they did but they did not provide me with any info or communication about the dispute and there is nothing in my online account. I suspect AE was not able to recoup funds from this bogus company so they determined the changes are valid. 

I was required to reopen the dispute with AE but they would not let me open the dispute for same reason. I also suspect this is a oversees operation where bogus website are opened to sell merchandise at a steep discount then never deliver. 

American Express need to honor this dispute as valid and credit my account for the {$120.00}. I also request CFPB look into AE fraud dispute practices and see what info they were provided and how it is communicated to customers. They lack proper controls and oversite to effectively manage this process.