23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

To whom it may concern, I have been trying to fix my credit from past mistakes I made in order to buy a home in the future. When checking my credit report with XXXX and Transunion I noticed a lot of unauthorized hard inquiries on my report. I called XXXX and Transunion several times and also disputed those negative items and they have not been removed. On my Transunion report the only items that shall remain that I authorized are from XXXX and XXXX. Thanks in advance.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report my personal information incorrectly. My name is XXXX XXXX there should be no other name or names listed on my consumer report. My address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX there should be no other addresses listed on my consumer report. I have attached my identification and proof of my residency update my report immediately.
Product: Checking or savings account

On XX/XX/XXXX, I tried to close my checking account with Citibank due to an earlier issue with fees and confusing marketing. Because of Citi 's failure to properly staff their customer service teams, I was unable to get through. As a result, I have been charged {$92.00} in fees. When I later managed to get in contact with a rep, she told me that she couldn't close my account because of the fees.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXXXXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$250.00}
Product: Debt collection

I am writing in response to your recent communication regarding the alleged debt associated with the above- reference account. I am requesting validation of this debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.

I dispute the validity of this best and request that you provide the following information : 1. Verification of the original creditors name and address 2. Documentation demonstrating that I am contractually obligated to pay this debt 3. Copies of any statements or invoice related to the debt 4. The original account number and the date this account was opened 5. The complete history of this account, including all transactions and charges Please note that until you have provided the requested documentation, I do not acknowledge any liability for this alleged debt.

Furthermore, I request that you cease all collection efforts until this matter is resolved and the debt is verified. Any further communication from your agency regarding this debt should be in writing and sent to the address provided above.

Please consider this letter as a formal dispute of the debt under the FDCPA. I expect a prompt response within 30 days from the date of your receipt of this letter.

Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).
Product: Credit reporting or other personal consumer reports

I started months ago to have XXXX remove two credit cards ( XXXX XXXX and CBNA ) from my credit report, that doesn't belong to me. I have advised them that this debt belongs to someone else and for some reason they are insisting that it mine. I ask them to provide the orginial contract the I signed with these companies and they have fail to product the contracts. I need this debt to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent updated letter to Experian XXXX and XXXX  to updated my current address and employer and my phone number all 3 credit bueaue Bureau all 3 credit bureau are stated can remove other addresses because the address was giving about a creditor, there one address never belong to XXXX  it starts with I had never lived at the address
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number XXXX Date Generated XXXX XXXX, XXXX Before After Account info Account name XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7800.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$6000.00} Highest balance {$7800.00} Terms NA On record until XX/XX/XXXX Report Number XXXX Date Generated XXXX XXXX, XXXX XXXX XXXX Account XXXX Deleted This item was removed from my credit report. Please review your report for the details. This Item was removed and deleted then replaced on my credit file this is inaccuracy information I'm request they TAKE this Account off and update my credit file Account name XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7800.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$7800.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Report Number XXXX
Product: Prepaid card

I purchased a Vanilla Gift Card/Incomm Card on XXXX in the amount of {$250.00}. Immediately following purchase while in the parking lot of merchant I called Vanilla Card to activate card. They told me that there is an issue with the card and they could not activate it. I was told I would need to open a Case and would need to email all documents needed ( proof of purchase, valid DL, current proof of residence ). I submitted all requested documentation and was told I would receive an email or phone call once they reviewed information. Since the day of purchase XXXX I have called customer service approximately 40 times and emailed on multiple attempts to request an update of what the issue is and requested a refund because I can not afford to wait on my money while they figure out the issue. Vanilla Card and Incomm Card have neither replied or called not one time to update me as they said. Both companies keep telling me I will need to wait another week for an update. The next week I call after I get no reply and they tell me the same thing. I have requested to speak with the department in charge of handling issues as such ( investigation department ) or an email to reach them but am told they do not have that information and would just need to wait another week. I work hard for my money as a single parent and dont have much of it and just want a replacement card or a refund.
Product: Vehicle loan or lease

We purchased a car on XX/XX/XXXX and got an auto loan from Chase. We paid off the loan on XX/XX/XXXX. We have been trying to get a lien release letter/ get the title for months. I have spoken to Chase on the phone several times and have sent multiple secure message to Chase. We have received inconsistent and misleading information from Chase and believe we are making no progress. Pasted below is a summary of my communications with Chase. 

Communication by Phone : XX/XX/XXXX Chase stated they sent the lien release letter on XX/XX/XXXX, but we never received it, so we requested they send it again XX/XX/XXXX Chase stated it would take two days to process the XXXX XXXX letter XX/XX/XXXX Chase told me to keep checking with the DMV, noting the timing varies by county XX/XX/XXXX Chase stated the lien release would be electronically transmitted to our local DMV in XXXX, Colorado soon Communication in Writing ( online via Chase Secure Messaging ) : XX/XX/XXXX Chase stated a duplicate title request was submitted to the Colorado DMV on XX/XX/XXXX and said they were advised it may take 4 to 6 weeks to process a duplicate title. 
XX/XX/XXXX After the DMV informed me that they were still seeing a lien holder attached and that I need to get a lien release letter from Chase, I asked Chase for an update and was told, We are still completing your duplicate title request. At this time, we are waiting for it arrive. 
XX/XX/XXXX I requested one more update before filing a formal complaint and received the following reply, At this time, we are waiting for the issuance of the duplicate title by the Department of Motor Vehicles ( DMV ). Currently, a lien release would not be accepted by the DMV as there is no title issued for the vehicle. Please allow time for the issuance and receipt of the duplicate title from the DMV.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an ongoing issue regarding the late opening of my accounts. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. Upon reviewing my accounts records, it has come to my attention that the opening date listed for my accounts are inaccurate. Despite my efforts to provide the correct information, it appears that the discrepancy persists. I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my accounts records accurately reflect the true opening dates. With this, I am asking for your assistance to correct the accounts : XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$2400.00}.
Product: Debt collection

Credit System is reporting a fraudulent account on my credit report for a company name coserv acct # XXXX and so reporting a fraudulent address on my credit report that have never been associated with. I notified the company that I have been a victim of identity theft.
Product: Credit card or prepaid card

Bank of America is harassing me nonstop for marketing purposes, having nothing to do with my credit card or its account. They are trying to obtain information on my income, investments, etc. When I login to my credit card account I have to click through a pop-up that tries to solicit this information. They send emails to my personal email account. And most recently, they have been leaving dozens of messages on the answering machine of my home telephone.

I am not interested in additional financial services from Bank of America, and I consider all of the information they are attempting to collect as private and none of their business. They are inappropriately exploiting contact information they have on me, turning it over to their marketing department, and harassing me. Please tell them to cease and desist!
Product: Debt collection

Found several accounts on my credit report that appear to be added without permission. Request these fraudulent accounts be blocked and removed.
Product: Credit card or prepaid card

I have paid the company on several occurrences where they did not apply the money to my credit card account. On their end, they claimed the money was not in my account but my bank account shows that the money was gone. Also on their end, it shows the payment went through. They claimed they had to charge me extra fees because of this. When I continue to try to solve the issue, they send me to another representative instead of trying to help me. 

These instances occurred on : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 in the amounts of ( consecutively with the dates listed above ) {$100.00} {$22.00} {$20.00} {$25.00} {$26.00}
Product: Debt collection

I have had a collection account for {$890.00} placed on my credit file for all XXXX credit bureaus for an account that I do not recognize. I have never received any correspondence from this company.
Product: Checking or savings account

On XXXX I opened a Bank of America account online. After opening, I sent $ XXXX to my new account from an existing account at another bank. On the following Monday I attempted to log into my new BofA account, and noticed I was locked out. I called in and asked about the account, was informed the account was closed, and told that my ACH deposit would be denied since the account was closed. 

The ACH deposit was not denied according to my bank. I went into a BofA branch in XXXXXXXX XXXX to find out from someone in-person what to do. I was told that I needed to confirm my identity and that the account was /not/ in-fact closed. However since I came in on a Saturday, I could not do this. I went to a BofA in XXXX XXXX  the following Monday to confirm my identity, and could not meet with a banker. I scheduled an appointment for the following day. 

I went to my appointment, and the banker was unable to even find my account. After sitting an hour on hold with some internal team, she was able to determine that my account was " pending closure '' and there was nothing that could be done. I was told that I would receive the funds that were in my account within a few weeks. 

Over a month has now passed and I have not received my funds. Further, I am receiving mail statements for my account indicating my $ XXXX is still there. I have tried to call in several times to find out what's going on, and I either get hung up on or told that the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account that is fraud
Product: Debt collection

I sent multiple letters to National Credit Adjust for validation of this debt and I also sent letters to XXXX, XXXX, and XXXX and I haven't received a response from any of them. The dates that I sent the letters are XX/XX/23, XX/XX/23 and XX/XX/23.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Subject : Complaint Against Experian for Incorrect Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint against Experian regarding inaccuracies on my credit report. I have encountered a persistent issue where my credit report includes a name that does not match my legal name as listed on my driver 's license or utility bill. 

Despite my efforts to resolve this matter directly with Experian, the issue remains unaddressed. I have provided them with the necessary documentation to prove my identity and correct the inaccuracies, yet they continue to report this erroneous name that I don't use when identifying myself. 

I am deeply concerned about the impact this situation is having on my financial standing and creditworthiness. If this issue is not resolved promptly, I will have no choice but to pursue legal action. 

I request your assistance in addressing this matter with Experian to ensure my credit report is corrected. Thank you for your attention to this urgent issue. 

Sincerely,
Product: Debt collection

XXXX XXXX put a debt on my credit report say I owe XXXX XXXX XXXX or XXXX XXXX I have never had either XXXX XXXX XXXX or XXXX XXXX this is not mine I have always has XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

XXXX Spoke with Sallie Mae , Representative. Sallie Mae refused to work with me during my difficult time financially. They had no option to help me delay payment for at least six months. They did not work with me at all. They expect me to pay on a {$19000.00} loan taken out in XXXX  for my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following reports are causing defamation to my character and livelihood and in violation of sec. 15 USC 1681 b Please DELETE the following accounts XXXX acct # XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX XXXX XXXX ( progressive ) acct # XXXX XXXX XXXX XXXX ( XXXX ) acct # XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the XXXX  dealership not to run my credit and they did without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contacted XXXX and XXXX  on multiple occasion to investigate an account with XXXX XXXX which is reporting on my credit report as a charge off account after their initial investigation which was falsely verified as my account by the merchant, I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above auto finance company, and with the information, I was able to obtain It appears to be an account that was open fraudulently using an old lost or stolen ID and a previous address of which I have not resided over 3 years. It has been over a year and a half since my initial contact with these agencies and have not been able to accomplish anything thus far. This inaccurate information has severely damaged my credit rating and has caused me to lose out on job opportunities I am overwhelmed and do not know what else to do.
Product: Debt collection

On or around XXXX of XXXX I sent Carrington Mortgage a packet of information describing how my identify was stolen to create a refinance mortgage by XXXX mortgage bankers. I also sent them the expert hand writing expert report showing that my signature was forged upon the documents. I also filed a Chapter XXXX bankruptcy in XXXX where as my mortgage debt was discharge in Bankruptcy court. I also made XXXX XXXX XXXX aware of the bankruptcy of the discharge mortgage. They still have been contacting me to date about the debt and attempted to foreclose on my home in which at the time of the Bankruptcy they had no legitimate lien to the property. They also have " NEVER reported any of payments to any of the credit bureaus of the payments that I have made on my home. My identity was stolen, they are attempting to collect a debt I don't owe and I was never credited for any payments on my credit report from the purchase of my home.
Product: Credit card or prepaid card

I want to spread the word about American Express Serve they are suspending accounts or closing them when our stimulus and tax returns hit the account preventing us to have no access to our funds. I can't even login into my account to access my {$4300.00}. I get my XXXX, work pay, tax return and stimulus on this account and no way of accessing my money. As soon as my stimulus hit my account they suspended my account. I called and a representative told me there was nothing they can do and hung up on me. I called back and was on hold for an hour only to get the same scripted message there was nothing they could do and I should write a letter to a GA po box requesting for my funds to be sent in a check and even then it is not guaranteed that it will be approved. I been using them for over 10 years and never experienced this. I have no money for diapers, tissue food. I have to find another bank for my payroll. I am not the only one who is going through this. Attached to this email is a list of people in a American express Serve XXXX who are going through the same thing im going through. 

I can't even hire an attorney because they have all my money. The word has to spread that these people are crooks. I did a complaint with XXXX and it looks like every since the first stimulus they've been doing this and having complaints about them stealing people money by closing their accounts. 

Please help spread this word people are suffering and need this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card today XX/XX/20 and I was not approved. I had no idea why I didn't get approved since I don't have any negative account information on my credit ; I called to ask why I was denied and I was told that the reason I wasn't approved for the credit card was because there are accounts in negative standing on my credit. I immediately looked through my credit report and found three accounts that are not mine. The accounts are from XXXX, XXXX XXXX and XXXX XXXX. None of these account belong to me and I have never opened any account with any of these companies. I have reason to believe that someone stole my personal information and used it to open these accounts without my permission. I have already filed a police report with the information that I have. I never received anything from these accounts such as money, goods, services or any other benefit and I never allowed those companies to run or access my credit.
Product: Debt collection

This company keeps calling my cell phone even after I informed them via their automated recording that I do not give them consent to call my cell phone per my rights under the TCPA. Not only have they violated my rights, they are also harassing me even though I have been making payments each and every month since 2014 and have not missed a payment.