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

In accordance with fair credit reporting act. This creditor has violated my rights. 
under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account information without my written instructions. Under 15 USC 's 1666b a creditor may not treat a payment under an open consumer credit plan as late for any purpose. 

XXXX XXXX XXXX  XXXX XXXX Reported on XX/XX/2020 XXXX
Product: Debt collection

Hi, I was sent to collections because I moved and never received the medical bill. As soon as I found out about it, I paid it back in XXXX. The collections company ( see below ) informed me that they sent all 3 credit bureaus a letter back in XX/XX/XXXX asking them to remove the collections from my credit file. XXXX  and XXXX  have done so, however XXXX as not. I've sent them numerous letters over the past 6 months asking them to remove it, and even put in a formal request with the CFPB on XX/XX/XXXX, in which they closed it without informing me or removing the incorrect collection. 

Healthcare Collections Phone number : XXXX Representative : XXXX I've had to open a new complaint with them which they now say they're going to sort out. I need this incorrect mark on my file removed ASAP. They need to check their records from XX/XX/XXXX when they received a letter saying that this was done and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 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 XXXXXXXX Account XXXX XXXX XXXX
Product: Checking or savings account

When I found fraudulent charges on my SunTrust account, I reviewed the listed charges and found fraudulent charges for multiple XXXX Trips. 
In the attachment titled " XXXX at XXXX XXXX, '' I have a screenshot of my most recent bank account transactions from XXXX. I searched XXXX in my transactions and took a screenshot of the most recent ones. I can confirm the transactions from XXXX XXXX for XXXX ( XXXX transactions total ) are all fraudulent. This page also contains an XXXX transaction from XX/XX/XXXX, but this is not fraudulent. 
The second attachment is called " XXXX at XXXX XXXX  '' and it is a screenshot of my own XXXX account. It presents a list of all of my trips with XXXX. Comparing the two documents there are obvious discrepancies. After logging into my XXXX account and reviewing my XXXX Trip History, I noticed the only transaction from my bank account on my XXXX Trips History was on XX/XX/2021. I want to make it clear that these photos have not been edited. There is also no option to delete my XXXX trips from my account history. Further, I would be willing to confirm all of the above in a legally binding affidavit, if necessary, in pursuing this claim. 
In conclusion, the fraudulent transactions are from XXXX on XX/XX/XXXX ( 1 transaction ), XX/XX/XXXX ( 2 transactions ), and XX/XX/XXXX ( 2 transactions ). These do not appear in my XXXX account history. The fraudulent charges total to {$280.00}. To prove my XXXX account has my SunTrust card connected to it, it is evident the XXXX transaction on XX/XX/XXXX in my bank account appears on my XXXX Trip History. 
Given my longstanding relationship with SunTrust, the severity of the fraud I experienced, and the extent of the efforts I have made to substantiate its occurrence, I wanted to see this matter resolved promptly and my money reimbursed. However, Suntrust rejected my appeal to their initial decision and were unable to reimburse me of the fraudulent charges.
Product: Credit card or prepaid card

Credit Card company closed account without notification, they say because there was no activity in 2 years. The last activity was a promotion with an expiration date of XX/XX/2021 of which, was paid off early. There were XXXX reward points I was saving and planning to use for specific XXXX  services, and now they are saying rewards points were closed when the account was closed. They claim the terms and conditions allow them to do this without notification.
Product: Credit reporting or other personal consumer reports

I opened a dispute with CFPB, and Transunion removed inaccurate information but, a few days later, allowed information to be added back to our account. This inaccurately reflects the actual status of this XXXX Account. 

Transunion continues to report inaccurate information. XXXX and XXXX have corrected the inaccuracies by removing information. 

Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I checked online with Affinity XXXX for my account balance which reflected a payoff of {$13000.00} XX/XX/XXXX I Refi with XXXX XXXX for {$13000.00} XX/XX/XXXX I kept checking my online account which still showed my account and balance for my loan with XXXX. Since my XXXX Payment was coming Due and I liked to pay by the XXXX to ensure it was not late. I made a {$600.00} payment and figured it would just be refunded back to me since this payment and the refi amount was over the payoff balance. 
XX/XX/XXXX Since my account was not closed, I made a payment of {$600.00} XX/XX/XXXX Received Check # XXXX dated XX/XX/XXXX from XXXX for {$580.00} the GAP refund because my account was closed. 
XX/XX/XXXX Unable to view any account information since account was closed XX/XX/XXXX @ XXXX I called and wanted to know why I only received {$580.00} and not the extra {$600.00} over payment I made since the original payoff and the refi amount was correct. 
I was told that XXXX received the refi check closing the account and back dated the close date as a courtesy since it took XXXX a couple days to process this payment. Since the account was closed the payment that I made was not posted to my account since it was closed. I was told by Affinity that the payment I made was just being held and that I needed to contact my bank and pull the payment back. 
XX/XX/XXXX I opened an ACH dispute with XXXX and they credited my account for {$600.00} XX/XX/XXXX CLOSED account reported 30 Days Late XX/XX/XXXX At the end of the month I received notice that XXXX XXXX advises the title transfer was completed. 
XX/XX/XXXX I receive first and only notification that my account was delinquent and I needed to pay or my vehicle would be up for repossession by XXXX. 
XX/XX/XXXX my credit alerts show XXXX reporting my account past due 30 days. 
XX/XX/XXXX called and spoke with Customer service and she adv she would send this to loan servicing dept. 
XX/XX/XXXX A couple hours later I received a {$600.00} deposit to XXXX checking account XX/XX/XXXX I spoke with XXXX in loan servicing and she cancelled all fees and interest and closed out account after receiving the {$600.00} wire transfer from XXXX XXXX  XXXX. 
XX/XX/XXXX Several Wire xfers did not work since I did not have correct routing information from XXXX, I will be sending personal check by Mail XX/XX/XXXX Check # XXXX Received by XXXX XXXX XXXX Account was CLOSED again
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files
Product: Debt collection

I was looking at my Credit profile and noticed a collection that was not mine. I called the collection agency and asked about and from the debt is from the said XXXX XXXX XXXX. So I called XXXX XXXX XXXX and asked if I have missed any payments the said no I'm in good standing. So I called the Credence and I told them that the debt is not mine. But they couldn't help me or hear me out but just wanted to collect. The debt was open XX/XX/2022 padt due XX/XX/2022. For {$280.00}
Product: Debt collection

National Credit System, $XXXX. I Have sent National Credit Systems a debt validation on XXXX XXXX, 2017 and National Credit Systems has not responded to my validation. National Credit Systems also has reported this collection to all 3 of my credit reports agency's. I have no knowledge of this collection.
Product: Mortgage

XXXXCardinal Financial paid a renewal hazard insurance payment to a company I had cancelled with. I had secured a new insurance company. Because the old insurance had almost doubled in price, my escrow for hazard insurance almost tripled. My new insurance company has since requested payment. The payment for the renewal of the old policy has not yet been returned. I have had to put the payment back into escrow without the old payment having been returned to me. I asked that my escrow for hazard insurance be discontinued, since the error made by XXXXCardinal can potentially be repeated. I was told no. I do not want decisions regarding my finances being made without my knowledge or permission.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is governed by 15 USC 1681, and they violated my rights a number of times. I demand the accounts listed below be deleted because According to the 15 USC 1681 : I have the right to privacy and I did not give XXXX  written permission to furnish these accounts. 
Accounts/Inquiries : 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

I mailed a certified letter to Equifax requesting on XX/XX/year> ( METHOD OF VERIFICATION ) that they received, and today I received a letter dated XX/XX/year> that they need a copy of my drivers license /ssn/utility bill, etc to process my request because the information. I sent copies to them already and I feel like they're buying time or Stall Tactic by sending me a letter dated 2 days later this is XXXX letter. 

All the information they are request has been provided in my letter dated XX/XX/year> and no investigation started into the matter.
Product: Debt collection

I paid this Debt XXXX XXXX in the amount of {$50.00} abs the customer representative says they will remove the debt from my credit and they have not
Product: Mortgage

XXXX XXXX/NationStar letter dated XXXX XXXX, 2015 is inaccurate. My letter was not dated XXXX XXXX, 2015 but was dated XXXX XXXX, 2015 which was within 30day appeal window from the NationStar XXXX XXXX, 2015 denial letter. ( Please see CSPB Case # XXXX XXXX. On XXXX XXXX. 2015 NationStar Customer Relations denied HAMP 1, HAMP II and Standard Modification were Default not imminent. On NationStar letter dated XXXX XXXX, 2015 stating that our loan # XXXX was suspended because our account was not current. Therefore we are qualified HAMP1, II and standard loan modification. And I have appealed with in 30days on XXXX XXXX, 2015. XXXX XXXX purposely not tell the truth and denied the loan.
Product: Money transfer, virtual currency, or money service

XX/XX/scrub>3/2/2022. {$460.00}, I sent money to what I thought was a relative and it was the wrong phone number. I instantly contacted the bank, to stop the transaction and they told me there was nothing they could do, they could not reverse the charges. I was out of luck and they couldnt help me.
Product: Student loan

I had to get private student loans for each year of college because I did n't qualify for federal student loans. Upon graduating and shortly thereafter the loans coming into repayment, I could n't afford them and defaulted. XXXX were n't being flexible with me and I never could catch up. Now my credit is terrible, I ca n't get anything in my name just because I went to school to better my future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained my credit report and have realized that I have these inquiries listed below that I did not give authorization to. I need them to be removed immediately. 

Addresses to be removed : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX  Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX has repeatedly made attempts to collect a misrepresented debt. I was in no contract of any sort. I bought the cell phone out right cash. It was explained to me that it was prepaid at time of purchase. I made many attempts to use the phone but the service was non existent. I had to stand at the side of my road outside of my home to even pick up 1 bar of service and while driving into different towns had XXXX service on the phone as well. They told me there was nothing they could do. 


XXXX provided no service to me on this phone. It was explained to be prepaid at the time of purchase. They continued to charge me for a phone I was not using and could not use. I could not even call them to cancel the service. They have sent this debt to at least 3 different collections companies - all who have dropped the collection account immediately upon informing them of this issue. Then they open the account with the next collection company and continue harassing me. 

I have attached a transcript of myself and an agent. I explained to them I was laid off at the beginning of Covid. I could not use the phone. And that I didnt understand my charges when it was prepaid service. They refused to close my account unless I called them from my service-less phone they sold me.
Product: Debt collection

I am receiving a derogatory/negative remark on my credit report for this creditor for money I do not owe. I am unaware of this account and monies owed. This creditor is negatively and incorrectly impacting my credit report for a balance of {$1000.00}. I ask that this be removed once and for all. I did try to contact this creditor and advised them I am not responsible for this debt however, they have not removed this account from my credit report which is intentionally negatively impacting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proof to Experian that my loan with XXXX was paid in XX/XX/XXXX. The loan was initiated in XX/XX/XXXX. XXXX continues to provide the wrong information. Over the past two decades, I have received multiple letters from XXXX, and I have copies of my old, paper-version, credit reports. I have proved in multiple ways that my loan was paid. Nevertheless, XXXX is erroneously reporting that I was past due for 60 days in XX/XX/XXXX. You can't pay a bill in XX/XX/XXXX and have it past due in XX/XX/XXXX. I have asked them to correct this, and they are not choosing to do so. Since the credit agency has records revealing that this should not continue to be on report, they have the duty to correct it. I want either XXXX or Experian to be accountable ; preferably, both agencies should work toward greater customer responsiveness and business accuracy. My first bank was XXXX, and I chose to stop banking with them entirely in XX/XX/XXXX because they do not appropriately manage their records. I expect this to be fixed immediately, or I will initiate a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit card

On XX/XX/2024, Bank of America closed my account ending XXXX. Without letting me know, without prior notice by mail, phone or email.
Product: Debt collection

On XX/XX/XXXX, I received an update through XXXX than a debt collection agency known as LVNV FUNDING LLC flagged my account stating I owed {$250.00}. 
After calling XXXX we determined the account was opened using my social and a Texas address being XXXX XXXX XXXX XXXX XXXX, TX XXXX. This being a case of Identity Theft I was instructed to report fraud. XXXX has already started the process to dispute the address in question under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Certified Mail to all 3 credit bureaus ( XXXX, Experian and XXXX ) notifying them that the personal information listed on my report is inaccurate. Credit bureaus are legally required to report accurate and up to date information. On all 3 reports addresses, phone numbers and alias names were linked to myself. This may possibly be from identity fraud or negligence on the part of these credit agencies.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681XXXX, which mandates the investigation of disputed information within 30 days. 

Incorrect Billing - Creditor Name : XXXX XXXX XXXX - Account Number : XXXX - Requested Action : Update account status to " paid on time. ''
Product: Credit card or prepaid card

In XX/XX/XXXX, I paid off my Capital One Credit Card, the account was set on Auto Pay prior to the payoff. There has been no purchases since the payoff. In XX/XX/XXXX, Capital One charged their annual fee to my card and instead of the autopay noticing that a new charge had appeared and making the monthly payment, Capital One removed the autopay at some point and no payment was made. I was accessed a late payment fee of {$25.00} and interest. Another month passed and another late fee of {$38.00} and interest was accessed all unbeknownst to me. The only reason I was made aware was because my credit score dropped significantly ( 88 points ). I can only assume that this is a way for Capital One to exploit their customers instead of protect them. They should have never removed the auto pay. The chat attached shows that they claimed I was never on auto pay yet my statement prior ( also attached ) to the payoff shows that I was. I have paid the membership due in full as of XX/XX/XXXX. I want all late payments and accrued interest to be removed from my account. I want any derogatory marks including the late history to be removed from my credit report.