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

I have requested to remove this item from my XXXX report and the investigation results came back today XX/XX/2018 as VERIFIED AND ACCURATE. But the ACCOUNT SOLD TO PRA. I'm extremely confused what was verified with XXXX and XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there is no sufficient information to support XXXX  and Experian 's claim, XXXX XXXX. This creditor has been posting my payments late but i religiously paid on time. Please remove the late remark from my credit report ASAP
Product: Money transfer, virtual currency, or money service

coinbase XXXX confirmation says money withdrawal completed of amount {$9900.00}, but nothing happened, My bank XXXX XXXX did not receive the monry
Product: Credit reporting or other personal consumer reports

I sent letters to equifax and XXXX with my information but they havent responded in over 40 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX is not my account and needs to be removed from my consumer report. I have enclosed my info to view. Also inquiry XXXX  XXXX is not mine and needs to be deleted from my consumer report. 
Law 15 U.S.C. 1681 602 A states I have a right to privacy. Law 15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions These companies are in violation of Law 15 U.S.C. 1681 602 A & Law 15 USC 1681 604 A section 2 and need to delete these accounts immediately
Product: Checking or savings account

On XXXX XXXX My phone was lost and a couple of transactions that was unauthorized on my CHIME account which i disputed occurred, One transaction amounting to {$130.00} by cash app and the other amounting to {$14.00} by XXXX. After I filed the dispute on XXXX XXXX I was accredited by CHIME for both amounts back into my account while the dispute was being investigated. On XX/XX/2023 my dispute was approved by CHIME but for some reason CHIME took the {$130.00} and {$14.00} back out of my account at XXXX unexpectedly with no information following it. I immediately called CHIME as soon as I noticed and was put on hold for long periods and eventually I was hung up on by one of the CHIME customer service representatives. I then called back and was told the money was being reversed to permanent money instead of credit and Ill be receiving my money back by the end of XXXX XXXX or the next day XXXX XXXX but my money never appeared back into my account. I called CHIME on XXXX XXXX to see what was going on and they switched it to XXXX receive a email within XXXX hours. First I was waiting for my money to come with XXXX hours and now Im waiting for a email to come with XXXX hours. Still no information on when Ill receive my money.
Product: Debt collection

I am a federally protected consumer.This is an alleged debt that is not mine. This company has been repeatedly calling me and sending me letters in the mail without my written consent. They do not have permission to communicate with me under federal law. They have been harassing me and is causing emotional turmoil. This company is in violation of federal law by harassing me and using abusive language pursuant to 15 usc 1692d ( 1 ) and 15 usc 1692d ( 2 ). This company is communicating that I owe a debt. This is a violation pursuant to 15 usc 1692b ( 2 ). These all are violations of my consumer rights under the FDCPA. This company has called me 11 times from XXXX, left voicemails ( I have the proof with transcripts ) and has sent numerous letters. This coming any has contacted me more than once which is in violation of federal law pursuant to 15 usc 1692b ( 3 ). Also pursuant to 15 usc 1692d ( 5 ), this company is causing the telephone to ring repeatedly with the intent to harass and annoy me. The amount of federal laws this company has violated is over 11. Citibank has been utilizing robocalls without my consent to receive these calls which is illegal. Pursuant to 15 usc 1692k ( 2 ) ( a ), I am owed {$1000.00} per violation.
Product: Debt collection

Clark County collection agency is garnishing my wages without providing me documents for the debt that is owed. I emailed the collection company asking for proof of debt. I have not heard anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been used by people or persons unknown to me, this assumption comes from items on my credit report unknown to me. I was shocked to see these accounts and demanding that someone his explain this to me or please remove them immediately. I would like to see exactly what was used to get these in my name. Please block these unauthorized accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX  {$4000.00} 3 ) XXXX XXXX {$820.00} 4 ) XXXX XXXX XXXX   {$570.00} 5 ) XXXX XXXX XXXX XXXX {$330.00} 6 ) XXXX XXXX XXXX {$85.00} 7 ) XXXX XXXX
Product: Credit reporting

There is XXXX State of Ohio tax lien still showing on my report that were withdrawn XX/XX/2017. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the Ohio State release forms ( which I will also attach here for you ). I have also verified and sent this to the other credit bureaus XXXX and XXXX and they have removed the lien from my credit report immediately. Equifax continues to improperly report the lien and refuses to recognize the withdrawal and removed it from my credit report.
Product: Credit card

Dear CFPB, I am writing to file a complaint regarding a credit account that has been sold and is still appearing on my credit report.

Account Information : Name of the original creditor : Capital One Account type : Credit Card Account number : XXXX Date of Account Sale : XX/XX/year> Current Account Holder : XXXX XXXX XXXX Credit Reporting Agencies : XXXX, XXXX, XXXX. 


I believe this account should no longer be appearing on my credit report because it has been sold to a third party.

I am concerned that this account may be negatively impacting my credit score.

I have already attempted to resolve the issue by contacting the original creditor, contacting the current account holder, and disputing the account with the credit reporting agencies.

I request that the CFPB investigate this matter and take appropriate action to ensure the accurate reporting of my credit information.

I request that the CFPB assist me in having this sold account removed from my credit report if it is determined to be inaccurate or improperly reported.

Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I

have called and sent letter to the following companies in regard to inquires listed on my account asking for documentation because i did not authorize the inquires to be run. they need to be removed ASAP, according to 15 U.S. Code 1681b. 

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 has been sold to another collection company without my knowledge or consent given them my personal information that o did not approve and according to 15 U.S. Code 1681e ( B ) this must be removed from my credit ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their is Incorrect information on my Experian credit report. I sent a letter on XX/XX/2023 to Experian and I have not heard from experian about the letter I sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax suffered a data breach that affected 143 million people that are under its service. I used the tool on their page, XXXX XXXX XXXX, to check if this breach has any impact on my ( provided my last name and last 6 of my social security ), it seems that I am possibly impacted by it. All my information including social security number and financial information has potentially been leaked out by Equifax and this is unacceptable. Equifax is trusted with such vital information for such a large percentage of the population, and its unbelievable that a security breach like this was able to happen.
Product: Checking or savings account

I made payment arrangements on XX/XX/2019 with XXXX regarding a bill for {$30.00} a month beginning on XX/XX/2019 auto-pay for an outstanding debt. I received an alert on or about XXXX XXXX that my account was overdrawn. I contacted XXXX who advised me there was a glitch in the system that they do not know why the system somehow changed the due date which was to begin on XXXX XXXX.I asked XXXX to stop auto-pay that I would pay in person from now on. I then contacted SunTrust and filed a claim and asked SunTrust to stop future payments to XXXX that I ask they stop auto-pay. SunTrust filed the claim XXXX and SunTrust denied the claim stating services was rendered. I ask to rebut and sent additional information which was denied. SunTrust claims that XXXX sent documentation, but SunTrust did not forward the documents to me during the process nor after I requested it.In the rebuttal I told SunTrust the issues is not the service it was the fact that the merchant withdrew funds on a date that was not originally agreed on. Withdrawal of funds before the agreement date is one of the reasons SunTrust offered for a reason to dispute a charge. I do not see on my account that XXXX was actually paid anything from the overdrawn account, but I see an overdraft charge. I have two issues one XXXX debiting my account on a date note agreed on and SunTrust not paying XXXX and charging me an overdraft fee.
Product: Debt collection

The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. LVNV Funding, LLC, c/o XXXX XXXX XXXX XXXX XXXX claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with LVNV Funding, LLC, c/o Resurgent Capital Services L.P . I DID NOT ASK for it nor are they privy to contract with me. LVNV Funding, LLC, c/o XXXX XXXX XXXX XXXX has been negatively reporting on my credit report for 1 YEAR and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. LVNV Funding, LLC, c/o XXXX XXXX XXXX XXXX only responds to my dispute with old bills from previous company. NOT THEM. And because the original creditor sold my account and information to LVNV Funding, LLC, c/o XXXX XXXX XXXX XXXX they violated the Privacy Act and is an automatic {$5000.00} fine, so therefore I DO NOT OWE LVNV Funding, LLC, c/o XXXX XXXX XXXX L.P. and original creditor anything.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, 2017, I initiated a billing dispute for {$960.00} with Citi for a charge to XXXX XXXX XXXX. The {$960.00} was a deposit for a moving service that XXXX  XXXX XXXX.was to provide. However, XXXX XXXX XXXX canceled my move mid-move and stole my deposit. I explained this to Citi and attempted to recover my {$960.00} deposit, but was told by XXXX from Kentucky ( Citi Employee # : XXXX ) that " if the contract states the document is non refundable citi can not change the terms because it was agreed by the consumer. '' This effectively allows any business to simply include " non-refundable '' in their documentation, cancel their part of the agreement, and take advantage of/steal from customers. I believe this goes against the intent of customer protections that credit card companies are supposed to provide. Citi allowed XXXX XXXX XXXX to steal my money!
Product: Credit reporting or other personal consumer reports

In the month of XXXX, XXXX and XXXX I submitted and FTC report and letter for removal of fraudulent accounts on all XXXX credit bureaus. 

XXXX and Equifax failed to properly investigate and remove and block the fraudulent accounts from my credit report. 

All of these accounts were deleted from my XXXX report. 

XXXX Closed accounts and XXXX collections XXXX  XXXX {$350.00} - XXXX XXXX XXXX XXXX Equifax ) The Bank XXXX Missouri XXXX XXXX XXXX XXXX XXXX Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ) XXXX XXXX XXXX {$610.00} ( XXXX ) XXXX XXXX XXXX {$620.00} ( Equifax ) XXXX XXXX XXXX {$610.00} ( Equifax )
Product: Credit reporting or other personal consumer reports

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX  : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX | XX/XX/2022 : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX | XX/XX/2022 : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/2022 : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX  XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX  XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Debt collection

I took a loan from mariner finance and hit hard times. I paid off 70 % of the loan but when I missed a payment they took an aggressive tactic toward me, threatening me, leaving hundreds of calls, and threatening to get me and my XXXX XXXX if I didn't pay them immediately. They also wrongly and falsely reported to my credit report that I was delinquent
Product: Credit card or prepaid card

My wallet was stolen in XX/XX/2018. A while after fraudulent charges where being made. The bank denied claim even after police charged a suspect with fraud.
Product: Credit reporting or other personal consumer reports

I have been recently informed that there is negative information reported by the bureaus. 

XXXX : 1. Account Name : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX Account XXXX : XXXX XXXX. Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX. Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 2. Account XXXX : XXXX Account XXXX : XXXX 3. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account XXXX : XXXX 5. Account Name : XXXX Account XXXX : XXXX 6. Inquiry Name XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Equifax : 1. Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX 2. Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX 3. Account Name : XXXX Account XXXX : XXXX 4. Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX 5. Account Name : XXXX XXXX Account Number : XXXX 6. Account Name : XXXX Account XXXX : XXXX 7. Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian supplied my personal information without permissible permission. ( period ) The attached permission was incomplete and even stated incomplete applications will not be processed. However, Experian disobeyed the law and did process by sending my information to crooks to purchase two cars, I complained and received the following reasons, excuses, and pointing the finger back at me from Experian -- -- -- " Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. Therefore, we are declining your request to block. '' Overall this is upsetting but more upsetting is that Experian is calling me a liar without any proof. My request was not in error, was not based upon any material misrepresentation, AND I NEVER KNOWINGLY OBTAINED OR POSSESSED ANY GOODS OR SERVICES. 
On the other hand, it is very clear. Look at the attached incomplete application. A XXXX year old can see that the application was not to be processed and my private information should have never been given to XXXX only knows how many people. But is was supplied by Experian for the next step of a forged auto loan.
Product: Checking or savings account

Opened a Chase military banking account approximately 5 years ago wherein I was given a safety deposit box for free ( a courtesy for being a veteran so I was told ). Last week, I received an invoice from Chase stating, out of the blue, that now, without explanation, I would need to pay XXXX XXXX approximately? I sent a secure message and chase stated I had to call a number, which I did only to get the run around of call this number, and call that number and .enough is enough.
Product: Student loan

I used to have a fixed repayment plan with Navient and it works well until the repayment program ends. I tried to ask Navient to set-up my repayment program the same as last year due to medical emergencies in the current year but instead they asked detailed bank statements and start digging my private information. I told them that I request deferment on my account since we ca n't agree the payment plan they have prepared for me. I received phone calls several times a day including nights requesting for payment. Even though deferment is approved Navient reported negative to 3 credit reporting agencies. I just lost 2 families and I sent Navient copies of XXXX certificate but it was not enough for them. They demand payment as they do n't have any consideration to my personal situation. Unfortunately, I got laid off and I started requesting Income-Driven repayment Plan Request and Navient refuse to accept the request. They are demanding the payment due, I am totally in tears of what kind of practices Navient have in place for struggled borrower like me.
Product: Debt collection

A couple years ago XXXX XXXX bills showed up on my credit report. These are Not my bills. I spoke with American Adjustment Bureau and explained these bills were not mine. They were removed from my credit report. it has been a few years and now they have reappeared. I 've contacted American Adjustment Bureau and they tell me they do not have these bills on file. How can they put it on my credit reports if they do not have bills on file. I have not used XXXX XXXX for severces in many years. I would like to file a complaint against American Adjustment Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my experian credit report and noticed that there were multiple names, addresses and phone numbers on my credit report that did not belong to me, this appears to be either identity theft or someone else 's name, address and phone merged with my credit file. 

I wrote a letter in XX/XX/2021 and nobody has contacted me back, i called on XX/XX/2021 and spoke with a customer service person and was told i could not have someone elses names and address removed, because its experian policy.
Product: Credit reporting or other personal consumer reports

Credit reporting is a form of XXXX strategy. I DEMAND ANY AND ALL credit reporting Cease IMMEDIATELY as you are in violation of XXXX ( XXXX ).
Product: Mortgage

I was forclosed on my home in 2013 with Wells Fargo Bank during their mistake with the modification glitch error.i sent them all the necessary documents and still forclosed on my house. I lost my home and my belongings too. They put my furniture and everything in the street and it was raining. Everything was damage.i lost everything even my dignity and my kids have emotional problems now.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Governs access to the consumer credit report, records and promotes accuracy fairness and privacy of personal information. assembled by credit reporting my information was exposed to the data breach.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

On XX/XX/2020 I received a phone call and a letter from Spire Recovery Solutions that an Account had been turned over to them to collect. The amount was XXXX and they gave me an account and reference number, neither of which gave me any information about where the debt originated. I had to get a credit check from one of the credit bureau 's to find out who the account was with. I never received a bill or notification until the collection agency. I sill could not get any other information except the bank that issued the XXXX credit card. It was listed as written off with the credit bureau. The account was opened and the maximum amount of XXXX was immediately charged and of course no payment was ever made. I have no idea where or how my personal information was obtained to open this account. I don't know why I never received any notification or bill if they had my information. I am thinking the collection agency just searched the name and came up with an address and phone number.
Product: Student loan

As per the XXXX limited waiver as of XX/XX/2021, Ive applied to consolidate my student loans, which include both direct loans and not direct loans. The language of the waiver states that with consolidation, the repayment clock will not be set back at zero. However, in my initial letter received from Fedloan servicing, it says Remember, you will need to make another XXXX qualifying payments on your new Consolidation Loan. I asked for clarifying about this via email but have not received a response, other than another letter reminding me that I have 10 days to cancel my consolidation. I am petrified that I will lose credit for my XXXX out of XXXX payments if this is the case. There is clear discrepancy between the XXXX language and that of Fedloan servicing, and it may cost me.