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

I noticed fraudulent information on my credit report and promptly disputed the accounts with Transunion. They only acted by updating the dates despite being notified that no such lease was ever entered and being asked to produce such. Company is not making good faith representations and violating FDCPA/FCRA. 

In my credit dispute I noted that the debt claimed to be in relation to a lease and stated that no such lease existed, explained I lived elsewhere with a friend and also signed a lease shortly into moving in with him, and I provided a copy of the real lease of where I lived at the time that the debt collector claimed I was in another property. Credit bureau Transunion did not do any real investigation and the debt collector did not produce any lease or contract and Transunion as of today, XX/XX/XXXX.
Product: Credit card or prepaid card

I have been repeatedly targeted for the American Express Gold card and have been denied due to being a customer too briefly, which seems to be an arbitrary reason. Some other new customers are given two cards on the same day without a prior relationship. My other denial reason has been too many inquiries, despite one of them being a fraudulent inquiry, for which a dispute was not resolved.
Product: Checking or savings account

Two direct deposits, one from the child support division sent on XX/XX/XXXX and the second from my employer sent on XX/XX/XXXX as well are not available in my account. I spoke with both submitters and they confirmed the deposits had been successfully transmitted. I've attempted to contact XXXX XXXX several times on XX/XX/XXXX and have not been able to speak with a live agent. The phones never connect to a human. I received a generic email later that night after XXXX XXXX  stating they were having techincal difficulties and the issue would be resolved Friday morning. I am still unable to access my money as it shows my account is overdrawn. They are now allowing my larger direct deposits to be available but smaller {$10.00} refunds are allowed. This is insane.
Product: Credit reporting or other personal consumer reports

I have tried to no avail to get in touch with a HUMAN BEING at Experian ustomer service. They have designed their automated system ( s ) in a way to where you can not get in touch with a human whatsoever ( please see conplaints from many Experian consumers online ). It doesn't matter which number you call -- no one will answer. I even reached out to their business division and the agent I spoke with this evening gave me a number to what should have been a 24 hout customer service with an option to speak with someone, bt I was again put into a endless game of " press 1, press 2 '' prompts and no options for speaking with a customer service. And even after failed attempts at the automated system identifying my issue, it eventually disconnects my call. It should be illegal for a company that controls people 's credit livelihoods to be able to get away with not having to answer to their consumers, especially when there's incorrect information on their credit profiles. I am currently locked out of my account, unable to sign in, therefore, unable to access my report. Because there is a discrepancy with the data that is on file based on my sign in authentication failing, I need to speak to a HUMAN. I probably will need a seek legal action if no quick remedy from Experiea because I have tried and tried amd Experian has made it very clear that they do not want to speak to customers.
Product: Debt collection

I am lodging a formal complaint against receivables management. This debt collector has reported derogatory information on my credit reports for a debt that I have no knowledge of having I have sent this company numerous letters with request for debt validation, not verification but they continue to ignore my request. They have also violated the fcra by not sending me a dunning notice in the mail. The debt is for {$320.00} and this has been going on since XX/XX/2018. I am in the process of purchasing my very first home and this errounous account is holding my family and I back. I am requesting immediate deletion of this account from my reports so I can move forward in life and provide a home for my kids. Thank you for your time.
Product: Checking or savings account

I had updated my home address to the bank Wells Fargo and they froze my checking and saving accounts.my direct deposits are not recieved.all my bills are going unpaid.I found out on XXXX that my accounts were frozen.I visited the bank twice to correct the issue with no resolve. I had done all that they requested.Even the bank manager complained about the situation. She admits that there was no issue that was my fault.
Product: Debt collection

I paid this debt XXXX years ago, and the company that originally had it, XXXX and XXXX, sold it, anyway. Every few years, it gets sold down the line and another debt collection company buys it and annoys me about it for a couple of months until they give up. 

This most recent company has threatened to take me to court, even after I explained that I had proof that the debt has been paid. I told them to go ahead and file and stop calling me. They've called me three more times since then.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  was blocked on my report for identity theft and then it reappeared saying info came back as verified but its from identity theft and is verifying to identity theft accounts that have been deleted already. They are violating 605B and also not informing me within five days that the account was put back onto my credit report. Its from identity theft and the creditor also wont respond or provide proof. It was successfully blocked and keeps reappearing and it should be BLOCKED.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX  XXXX account with the account number XXXX This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXX account for the months of XXXX, XXXX, XXXX, XXXX, XXXX & XXXX OF 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2021 I called the credit card issuing company ; XXXX XXXX XXXX  which is an actual credit card. 

The reason for my call was to request a letter stating that the credit bureaus can delete XXXX XXXX from my credit reports since I had paid off that debt. 

I was told by to request this letter by a person named XXXX in the dispute department at Experian credit bureau and he told me he needed that letter for them to delete the negative account from my credit report since I had paid the balance and no longer owe them any money. 

When I contacted XXXX XXXX the lady told me they do not do letters like that and would not provide that information for me to give to the three major credit bureaus. 

I paid this on XX/XX/XXXX. 2021 and I do have a letter confirming it has been paid and I will upload it now All I want is to be able to have this negative debit deleted from my credit report since I have paid it off and no longer owe anyone so I can get a mortgage to buy a house but the mortgage company wants that off the report to be able to proceed with my first home purchase.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Credit Inquiries on my credit report that i dont reocgnize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request to XXXX Credit Bureaus about some negative information in my credit file. It seems they never cared at all. For this reason, I want you to assist me in correcting the negative accounts which are appear as late in my credit report. With this issue, I am not in satisfied of re-disputing the same accounts. I want the XXXX Credit Bureaus to be sure to present facts that these are reported efficiently as per the FCRA regulations. Please assist me in correcting these following accounts in my credit file : XXXX XXXX XXXX Balance : {$95000.00} ; XXXX XXXX Balance : {$330.00} ; XXXX  XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$3100.00}.
Product: Credit card

Care Credit has deceptive ways of convincing a consumer who needs medical or dental care to use their credit by offering a great promotion. Unfortunately, the promotion has a dead stop that consumers aren't aware of at the time and extremely high financial fees are immediately added to the balance owed. The option when calling for help in this matter is to pay several thousand dollars to eliminate further increased finance charges. 
That said I believe that payments made to the Care Credit Company were spread out over the balance in a way that validated nonpayment of the promotion so that Care Credit could enforce the repayment of all financial fees in one lump sum. 

I have since only been able to make arrangements to pay XXXX XXXX monthly for six years but they will not remove the overwhelming and financially burdening amount tacked on for not paying the promotion in full on time. 

Can you please help? I did find a court order on line enforcing the settlement of {$34.00} million to be paid to those who were deceived by Care Credit promotions. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes please. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

New inquiry on credit report from TD Bank, new account taken under my name fraudulently. I reported the issue/fraudulent action to TD Bank and they advise to follow a victim of identity deft through FTC. This is the seventh time a scammer is trying to use my personal information to apply for service fraudulently under my name. I keep reporting the fraudulent action to the companies, but it doesnt stop. Please help remove this inquiries from my information. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting

XXXX XXXX XXXX XXXX has a XXXX loan under my name. I did not sign, give consent or agree to a XXXX loan. The XXXX loan is for the same vehicle that I had purchased ( the letters they sent home to me have a different account number than the original account, yet has the same VIN # of my car ). I filed a dispute through Equifax as I also tried working it out with the company. It has been more than 2-3 weeks that I have been calling/emailing XXXX to fix this issue. Recently, I noticed on XXXX XXXX that it shows up as " paid and closed. '' Yet, it also says that I was late on a payment. Since I did NOT sign, give consent or agree to the second loan, it should NOT be showing up on my credit at all. This morning I received an email from Equifax indicating that they contacted XXXX and got verification that the loan belongs to me. I think that it also shows up on XXXX, but that is why I am hoping that by filing this complaint, pressuring the company to fix their mistake and having them report to the credit agencies that it is NOT my loan and that it was THEIR mistake, will clear everything. I am also requesting a written letter from the company indicating that they in fact did make the mistake and the steps they took within the past 3+ weeks to fix it. I want that letter just in case this issue ever comes up again and I have written proof that the loan was a mistake and it does not reflect my financial decisions.
Product: Credit reporting or other personal consumer reports

this was put on my credit XX/XX/XXXX by a national credit system for the amount of {$890.00} and says joint with XXXX XXXX. I have been trying since XXXX to get this off i have filed numerous disputes thru XXXX  with the last one being XXXX of XXXX i filed XXXX in XXXX of XXXX an every time i file the dispute i tell them this wasnt me i never lived there i dont know the joint applicant an to send me or email me some kind of proof with my signature on it an all i get back is dispute has been investigated and original credit provide documents this is your debit but no one is giving me proof an this is still on my credit report now for XXXX years
Product: Student loan

My student loans were taken out in  XXXX . I thought once they wer e 10 years old the y are not suppose to take them. I never got to use the skills I went to school for and I have been a single mother barely working. I a have been homeless 3 times since  XXXX , I received deferments and forbearance they knew I was a low income household and was struggling with no help from my children 's father.     They still took my income taxes two years in a row and still show that I owe them. Please help stop the harassment I am dealing with.     Thank you for your attention to this matter.    XXXX   XXXX
Product: Bank account or service

On XXXX XXXX i was charge to my bank account {$170.00} XXXX XXXX XXXX DEDUCTIBLE XXXX XXXX XXXX XXXX PA {$170.00} I never gave no Authorization for this merchant to charge my debit card for this amount and i file a dispute with TD BANK and they Have Denied the Claim cuz they said that no error occurred and TD Wants me to provide additional documents that i really do n't have at the moment please help me with this situation this is fraud i and the bank closed my debit card and they gave me a replacement debit card for this transaction wont occur again. TD Bank they are not really helping me to get this issue resolved i never authorize them to take money out my account.
Product: Credit reporting or other personal consumer reports

TXXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX BALANCED {$18000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX BALANCED {$8500.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was sent a Debt collection notice from COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX XXXX. The total amount for collection is {$23000.00}. I contacted the company and inquired why? They informed me that someone had been using my identity to rent a property from XX/XX/XXXX - XX/XX/XXXX in Georgia. I have never lived in Georgia nor have I given anyone permission to use my information to do so.
Product: Debt collection

A representative contacted me via telephone from National Credit Systems in XX/XX/2022. She stated that I owed XXXX XXXX at XXXX XXXX XXXX {$5300.00}. I responded to her that I never lived at the complex she spoke of and ended the call. I received letters for debt collection in both XX/XX/2022 and XX/XX/2022. In XX/XX/2022, I received a letter from the XXXX XXXX XXXX XXXX XXXX and I responded with a letter dated XX/XX/2022. In said letter, I asked for a copy of the original lease with my signature, payment history with itemized billing. I received another communication from the lawyers office with a itemized account statement only.
Product: Debt collection

Wells Fargo Dealer Services threatened to destroy my line of credit with the three major credit reporting agencies. I received a notification on XX/XX/2022, stating my scores drastically descended XXXX points. I've been having this ongoing issue with WFDS for some time now. I even tried to make a peace offering with them which was refused by WFDS. Their claim is void. WFDS failed to comply as a person upon whom the federal Act imposes the duties. WFDS kept the disclosure in a fine concealment away from me. The Truth in Lending Act and Regulation Z are apart of the Consumer Financial Protection Act. These two are the Controlling Law in the area of " disclosure '' when a person fails to comply with the Provisions in it's entirety. The CFPB enforces any person who deliberately failed to comply with the Provisions by not expressing to me the most important tasks of them all. The disclosure section was not expressed to me clearly or conspicuously. They expressed to me that I was in default. So I want to know what constitutes a default? What is the nature and the intention of this this claim. The term default is a Latin term called fallere, meaning " to deceive '', " to cheat '', " to put wrong '', & " to lead astray ''. In a financial sense, any lender or creditor who extends credit to a consumer and that consumer cease all payments, then received a notice saying how you defaulted on an obligation that you promised to pay back. In other words, these corporations are fully aware of their actions in deceiving and misleading us consumers, through the art of words and it's concealed meanings. How can I be held accountable for someone else negligent. I am holding WFDS liable for the destress this corporation has caused. Binding me to this procurement voided contract causing all kind of burdensome. There are concrete evidences of misleading and unfair business practices. the Congress has concluded a federal preemption of disclosure, by stating the field of disclosure and any attempt of States to remain in the field by enacting statutes and regulations of their own cause substantially more harm than good. The voidness penalty for making supervised loans without a necessary license has been deleted as unworkable. I had a right to prepay but this wasn't disclosed to me. There were no meeting of the minds, only a manipulation of the minds. In this provisions it states that the consumers are entitled to receipts and evidence of payments in various situations just like this issue. I need all receipts for my payments and evidence of payments. I was induce into a transaction by an unconscionable conduct, without a clear mind. I didn't understand the contract because of all the legalese terms that was used on the dealership bindtract. The Act also states that the enforcement of security interests in property, exempt from execution under a judgement, to secure loans has been restricted.
Product: Checking or savings account

I opened a savings account with Discover Bank on XX/XX/2022. I funded the account via ACH from my XXXXXXXX XXXX checking account, sending {$25000.00}. After I called Discover I was told that it had chosen to no longer work with XXXX. Without the option to return funds to the bank from where I had transferred the funds, I chose to transfer my money to XXXXXXXX XXXX via ACH. I was assured on the phone that this transfer would go through. Despite these assurances the transfer was cancelled and Discover Bank closed my account without providing any written or verbal communication that my account had been closed. My money has now been held since XX/XX/2022. I have spent numerous hours on the phone with Discover Bank. I was told my money would be mailed via check within 60 days of the last deposit. After waiting a couple weeks without recieving any communication from Discover Bank, I called and was told that the money would be mailed not within 60 days of the last deposit, but after 60 days. I asked numerous times for an explanation as to why my account was closed. I also asked for written confirmation that my check would be mailed and each time I was told that Discover Bank would not send me any information via email, even if this information was just confirming the conversations I had with agents. I am still unsure as to when I will receive my {$25000.00}.
Product: Credit reporting or other personal consumer reports

I am writing regarding unauthorized accounts on my consumer report linked to identity theft. These accounts were included without my written consent or wet signature. Having recently contacted your organization about this issue, I now formally demand the immediate blocking and removal of these accounts from my report. Their incorrect inclusion has resulted in considerable emotional and financial hardship by misrepresenting my credit history and obligations. Should this matter not be properly resolved, I will not hesitate to pursue legal action to defend my rights and seek redress. These fraudulent entries have obstructed my ability to reach crucial financial milestones, including home ownership and providing for my family 's needs.