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

Last year I discovered a false account with WESTLAKE FIN reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but WESTLAKE FIN denied the claim. Yet XXXX and XXXX removed this fraudulent account. This is not my debt. I have been cooperative with everything asked of me to dispute but WESTLAKE FIN refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Prepaid card

Incomm Case : XXXX I received a gift card through a XXXX XXXX giveaway in XX/XX/year>. This card was serviced by Incomm. 

used said gift card and then an individual ( a hacker? ) filed a chargeback dispute and Incomm did very little investigating and did a chargeback against the merchant I used the card for then awarded a new gift card to said individual. I reached out to Incomm on XX/XX/XXXX and started an ownership dispute where they asked me to prove my identity and ownership of the card. In the process of this, they sent me the name and address of the individual who initiated the fraudulent charge back dispute in the first place. I have seen on forums that this situation was not unique to me. 

This situation had put my account with the merchant in poor standing and Incomm did nothing to help.
Product: Money transfer, virtual currency, or money service

PayPal closed my account on ( XXXX ) for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. 

Paypal also informed me, that i would receive any pending balance on my account after 180 days. 
Its been now over 220 days since my account has been placed on hold, i tried to contact Paypal and resolve this and the only [ RUDE ] answer that am getting is, that i have to wait until i get the email informing me that its ready, even if its been more than 180 days. 

I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me because i rely on this money. I've been waiting for the 180 days because i really need my money. And i feel that its very unfair that ( PAYPAL ) does this to their clients. My email linked to my PayPal is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request my personal information to be updated correctly. I choose to opt-out of all pre approved credit card ads and insurance promotional screenings. 
My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. I am Self Employed Owner of XXXX XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX XXXX and someone, that being said the people that used me for XXXX XXXX has used my personal information to obtain services and goods to capture goods using my personal information. 
please block the information that is currently being reported on my credit report fraudulantly.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissons experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. ( FCRA ), 15 U.S.C 1681i The accounts are as followed Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$110.00} past due as of XX/XX/XXXX. 


Account info Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$140.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$62.00} past due as of XX/XX/XXXX.
Product: Credit card or prepaid card

i paid them off in XX/XX/2020 and they are not givng me back the 1rst loan i took out of a credit builder cd and now their threating to hold all my funds and not pay. at this time i paid over XXXX dollars in interest and fees and now they holding my funds hostage i send them my id and they still dammand more and mroe as they rack up internist payments and not giving em a dime. XXXX XXXX aka XXXX XXXX is committing fraud and imbeselment. here is the off the cuff email they sent me " If you close the account without sending the documents the payout will be frozen. Please confirm you want to close the card. '' Please let me know if you have any questions. 

Best,
Product: Vehicle loan or lease

I have an auto loan with XXXX XXXX, and their website is unusable. I have attempted to make my monthly payment through their website without success on at least a half dozen occasions, it is unusable. I have discussed this with their customer service team numerous times, and they have made no attempt to fix the website issues. Today, when trying to make a payment, the site transfers me to a blank webpage with no option to submit a payment. On at least XXXX occasions, I have been forced to call in my payment because their website is not functional. It is clear to me that this month will require the same additional effort, me remembering to call in to submit payment over the phone. This is completely unacceptable. I am risking missed payments due to their website 's dysfunctionality, which will affect my credit score if I am not diligent in calling in payment.
Product: Credit reporting or other personal consumer reports

The bankruptcy reported on my report is inaccurate and should be removed. As it has been cleared. 

XXXX XXXX should not be on my report as it was part of my bankruptcy. It is illegally on my report XXXX XXXX was part of my bankruptcy and should be removed from my file. 

XXXX XXXX is beyond 7 years and was a part of my bankruptcy.
Product: Credit reporting or other personal consumer reports

SafeRent Solutions, Please see attached. 

I received a copy of my SafeRent consumer report and there are 4 addresses that do not belong nor pertain to me that need to be removed as soon as possible. 

Please see attached : - complaint - drivers license - social security card - address - copy of the report displaying 4 wrong addresses Once this is complete please send me a copy of an updated report.
Product: Debt collection

At XXXX on XX/XX/XXXX my father sent me a message to call XXXX X XXXX and ask for XXXX. When I called the gentlemen, he gave me the name of the company Credit Corp Solutions but couldn't tell me who the debt was for. He transferred me to XXXX and the moment i mentioned them calling my dad which is XXXX she didn't know what to say. No where in my file did, I ever add my dad 's cell phone number, we don't even live in the same house. She mentioned that they deleted it but for the fact they searched for a number of someone else is not right and especially his cell.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Code XXXX and fairness of credit reporting with this being mentioned I have found several inaccuracies on my report with late payments and I have them listed below XXXX  XXXX XXXX XXXX XXXX XXXX late payments did not happen and this account was paid on time. All XXXX bureaus show different payment history and needs to be fixed. 

XXXX  XXXX late payments did not happen and this account was paid on time. All XXXX bureaus show different payment history and needs to be fixed. 

XXXX  XXXX late payments did not happen and this account was paid on time. All XXXX bureaus show different payment history and needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not doing a thorough investigation into a collection account on my credit report. Both XXXX  and XXXX   removed the account after investigating within just a couple days. I'm on my third dispute with Equifax and I do not believe they are actually contacting the collection agency to verify anything.
Product: Credit reporting or other personal consumer reports

TD Bank/Target charged off my credit card ( account number XXXX ) in the amount of {$XXXX}, but never provided the XXXX. In addition, TD Bank/Target recently sued me for the entire amount. TD Bank already wrote the debt off so they are not able to collect on the debt twice. This is fraudulent. 

Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming you owe the debt. This is fraud, and their attempt to sue me for this debt is fraud.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently took a loo at my credit report and I noticed that there were some XXXX XXXX accounts on my credit report that aren't mine. Below are a list of XXXX XXXX  accounts that i need removED ACCOUNTS : 1 ) XXXX XXXX XXXX -AMOUNT {$3600.00} -DATE OPENED XXXX/2017 -ACCOUNT # XXXX
Product: Credit card

It has been brought to my attention that although I have written several letters asking for validation of debt, verification of debt, original promissory note, off ledger accounting statement I have not I am not getting any response because of the automated system you have in place which in fact is a violation as well. 

When it comes to uploading my documents on their portals, it is difficult for the consumer to upload the pending documents needed to expedite their dispute claim. They have been notified various times in attempt to cure that they continuously dismiss. That is also a violation of my consumer rights. I have reported this concern on several occasions. 


Today, I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. They are not investigating the legitimacy of these accounts I did not give consent to these accounts or permissible purpose and are in violation of the Gramm Leach Bliley Act.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX AV XXXX, AL XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Good morning, I applied for a HELOC loan with US Bank. When I applied for the loan, US bank asked me to send my credit cards debt by the time. I sent the information to them. My balance on XXXX   credit card was {$9000.00}. When they approved the loan they send me the check playable to chase. Since the loan approval took more than a month, I paid to chase credit card in that time the amount of {$1300.00}. When I went to the bank with the check I got from US Bank they didn't accept the check because the balance was lower ( {$7700.00} ) than the check amount ( {$9000.00} ). I called US Bank and they send me another check for the right amount of {$7700.00}. I paid off the balance to this credit card. 

The issue is I'm paying to US Bank the amount of {$9000.00} + interest ; but the real money I got from the bank was {$7700.00}. Meaning I'm paying {$1300.00} dollars I never received. For any reason US Bank put the original check amount on my loan. 

I started to call the Bank, I don't remember how many times and how many hours explaining the Reps about the issue but they never solved it. So I started to send emails with unsuccessfully results. I got all emails related to this issue, the copy of the check provided by XXXX, etc. 

Since there is no US Bank branch in XXXX, it is impossible to solve any issue by phone or email. 

I really appreciate your help. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX CRED Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX  XXXX XXXX, WA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

I have disputed the XXXX/Bridgecrest account on my credit report for inaccurate information several times since XXXX, again in XXXX, and most recently sent in again in XXXX of XXXX. This account has multiple inaccuracies being reported which have been negatively impacting my credit. In some instances it shows as an open account. This account is not an open active account. Second it has a charge off status and is reporting a past due balance of {$600.00}. How can an account that was charged off in XX/XX/XXXX still be reporting as open, active and with a past due balance? Furthermore based on how The Internal Revenue Service treats charge offs as ordinary income and income can not be reported on consumer reports. According to 15 US C 1681 e ( b ) Accuracy of Report Whenever a Consumer Reporting Agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individuals about whom the report relates. I have previously requested that you delete this account and now will be escalating to the CFPB as I believe that XXXX/Bridgecrest is in violation of 15 US C 1681 s2a Reporting Information with Actual Knowledge of Errors 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 information is inaccurate.
Product: Debt collection

Portfolio Recovery Services keep calling me at least once a day and up to 3-4 times a day. They have also called my employer to try to collect a debt and this is against my rights and they have no reason to call my employer. I have asked them to send me any paperwork regarding the debt however I have not received any paperwork nor have any collection remarks on my collection report from Portfolio Recovery Services. Below are the dates and numbers they call me from. They have used at least 20 or so different numbers. 
XXXX - XX/XX/22, XX/XX/22, XX/XX/22 XXXX - XX/XX/22 XXXX - XX/XX/22 XXXX - XX/XX/22 XXXX - XX/XX/22 The harassing and continued calling needs to end. This is unacceptable.
Product: Credit card

On XX/XX/2024, I called into Synchrony Bank to ask for a replacement care credit XXXX. The representative inexplicably, either through poor training or a miscommunication, accidentally closed my entire CareCredit account that I have had for ten years instead of just issuing me a replacement credit card. I logged in the next day and saw this error, but it was after twenty four hours and systematically they couldnt help. Im filing this complaint because I want someone at synchrony to please correct this error and reinstate my account. Ive never had a missed payment, derogatory mark, and Ive been a good and loyal customer for many years. 

This was purely employee error, and I believe the bank should do right by a good customer and help correct it
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DISPUTE AND AFFIDAVIT ATTACHED. PLEASE SEE ATTACHMENTS. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX XX/XX/1986 EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

on or around XXXX, I've noticed a charge-off on my credit report., I'm very disappointed, I have tried several attempts to tell this company XXXX XXXX I was not the one with the vehicle nor did I make any settlement offer payment. But since this vehicle is now with a XXXX balance no matter how it was paid, AGAIN, I MADE NO PAYMENT... why would XXXX still put this burden on my credit report. I am trying to start a business for my family, and I can not do so with this stressful NEGATIVE mark reflecting my credit report, it has put a strain on me and yet depressing. IN accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX HAS VIOLATED MY RIGHTS.15 USC 1681 SECTION 602A, STATES I HAVE THE RIGHTS TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2, ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. I DID NOT RECEIVE NO SUCH INFORMATION OR ANY DOCUMENTS FROM ANY COMPANY WITH OPT-OUT INSTRUCTIONS ALSO, I DO NOT RESIDE AT THE ADDRESS STATED BY EXETER. SO, BEFORE YOU DECIDE TO assume this account validated or verify let 's be clear I am not asking for validation nor verify, to waste my time. Please delete this negative mark from my credit report. I also do not consent to e-Oscar system when looking into this matter. ALSO, PLEASE UPDATE XXXX XXXX to good standing without the late payment. I have sent dispute letters again to the credit bureaus.