23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX told me that they tried to bill my car insurance instead of my health insurance. And since they messed up its too late to bill my health insurance and i have to cover it. 
I feel : No. I do not owe it. If they didn't bill it properly thats their fault not mine. They can bill the insurance or erase the debt. Either way it needs to be removed from my credit report. It is not my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to know what type of game Experian, XXXX, and XXXX are playing. Looking at my consumer report I have companies with more than one account listed like XXXX XXXX, XXXX, and XXXX XXXXXXXX XXXX  XXXX. I reached out in XX/XX/2021 and last week about the fraud happening with my report. Then there is a cell phone company XXXX listed and I would never do business with them they are too high priced. If I have not learned anything at all in financial training I learned that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I have to give the go on listing anything on my consumer report. The bureaus do not have my consent and are violating me and the law. I want this fixed in 15 days max.
Product: Credit reporting or other personal consumer reports

Dear LexisNexis & XXXX XXXX XXXX I verified and authenticated myself months ago and I have to documents that was mailed to me to provide proof of that. I verified myself and my phone number over the phone and online. It wasn't until I requested another consumer report and I accidentally entered my wrong DRIVER LICENSE NUMBER ( XXXX XXXX XXXX ) Issued In Pennsylvania This has effected my case with CFPB and XXXX XXXX XXXX because I don't no longer hold access to the phone # ( XXXX ) XXXX. My phone # has been XXXX for years now. 
I was approved for Auto Loan and I received check from XXXX XXXX XXXX XXXX and sent to the private seller XXXX XXXX. XXXX Deposit the check with XXXX XXXX XXXX XXXX  for {$25000.00} and they put the funds on hold and closed her account. They claim not being able to verify my Phone number XXXX. I called LexisNexis and they told me there wasnt no number on file, my previous number was XXXX but its not in service anymore. I recently checked XXXX XXXX and they told me my phone number is under my name according to they data. XXXX claimed to be able to Verify with XXXX XXXX  but not my number which is COMPLETELY FRUSTRATING BECAUSE I AM CARLESS and now I Have to pay off a AUTO LOAN EVERY MONTH WHEN I DONT EVEN HAVE THE XXXX XXXX XXXX XXXX Never receive the funds. I EVEN CALLED XXXX XXXX XXXX XXXX and they told me the check had been cashed with XXXX  and it had been verified but its XXXX  end who is not releasing & holding the funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Under fair credit reporting act, the followiing accounts has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 Section 604 602, etc I have the right to privacy. Also a reporting agency can not furnish an account without my written consent. 
XXXXXXXX XXXX. Account # XXXX XXXX and XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX
Product: Mortgage

Wells Fargo Mortgage was abusive or refused to assist in modifying a mortgage.
Product: Credit card or prepaid card

I have always made timely payments on this account and am therefore requesting that this late payment be removed from my account. It is unacceptable that this late payment is on my record despite my efforts to pay on time each month.
Product: Credit reporting or other personal consumer reports

I have XXXX late payments on my credit report from capital one in the months of XXXX and XXXX of XXXX  and XXXX and XXXX of XXXX this information is incorrect and I would likeit to be removed please. I did a dispute several times and they mention that the score will be updated. still shows on my credit report to this day.
Product: Debt collection

LVNV Funding is trying to collect multiple debts from me on behalf of XXXX XXXX, a credit card I had years ago. I disputed the FIRST account with them and asked for proof of the debt, but wasnt given anything. That was in XXXXXXXX XXXX XXXX  I have recently started monitoring and taking care of whats on my credit report because I am trying to buy a house. I opened my FICO report, and this company has opened a SECOND *NEW* account for the same amount, same original creditor as the first collection account. But a different account number. I do not appreciate this, as my credit has taken a hit from a debt this company couldnt prove to begin with, let alone without my permission open a SECOND fraudulent account. I will attach proof of this. If you take a look at their reviews, they have done this to multiple people.
Product: Checking or savings account

Citibank is playing dirty. I have two accounts which are checking and saving accounts way before XX/XX/XXXX. I was never charged monthly service fee before then all suddenly in XX/XX/XXXX I was charge {$25.00} per account. I went immediately to the bank and they apologized saying some changes but Citibank ended refunding me the {$25.00} per account. The monthly {$25.00} charge stop but not for long in XX/XX/XXXX again the $ XXXX  monthly fee was charged to both accounts. I didn't noticed that until today XX/XX/XXXX that I have been charge a total of {$150.00} total for the past 3 months for both accounts. 

It seems like Citibank wants to know how much they can get away with
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX
Product: Debt collection

On XX/XX/XXXX flagship called me on off the dialed system XXXX times. I picked up every time and it connected and the call hung up. The XXXX and XXXX call a rep answer i told both reps that they keep calling I have a payment already pending on file and to stop calling. This morning at XXXX am. Flagship called again. I explained to them i will be filing a complaint with I also informed the rep yesterday. Be a this is a fdcoa violations. They already spoke to me XXXX yesterday I asked not to call me again and I have a payment on file. I asked to speak with a manager and the rep said she was too busy.
Product: Credit card

On XX/XX/year>, a XXXX volunteer by the nickname of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) showed me a bathroom vanity. I liked the vanity and told him I wanted to purchase it but that I was not sure about my measurement. XXXX told me to secure the merchandise by paying for it, go home, measure, and if it doesnt fit, getting a refund as long as it is within XXXX days. I did exactly as he advised. I placed the bathroom vanity on my charge card, I went home, measured it, and returned the next business day to cancel the transaction. The bathroom vanity measured XXXX, but my bathroom can only accommodate XXXX. The vanity never left the store, and I was well within the XXXX time period quoted. 
I spoke to the XXXX when I came back to cancel the transaction, and at that time she told me that I could get merchandise credit. I explained to her the inconsistent messaging I received for the XXXX employee, and she corrected me and said that everyone at XXXX is a volunteer. The language on the receipt is deceptive. It says, The XXXX will hold items for XXXX calendar days and if not picked up, will be placed back on the floor and treated as donation. It does not clearly state that there is a no return policy, or that consumers will only receive store credit. I disputed the charge with Capital One and it was closed without resolution. I went back to XXXX and asked for a store credit, and they refused to issue a credit. As of today, I am out of {$680.00}, I do not have any merchandise, and I do not have store credit to use in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past three months I have been attempting to have an item that was incorrectly placed on my credit file removed. After several unsuccessful attempts with the three major credit bureaus I contacted the Consumer Financial Projection Bureau ( CFPB ) for assistance and received some assistance and relief. XXXX responded to the CFPB and claimed to have contacted all three major credit bureaus to have the error removed from my account. XXXX and XXXX promptly removed the error and updated my credit file. However, EQUIFAX is the only credit bureau refusing to remove the item from my credit file. According to EQUIFAX, they have not received information from XXXX to remove the item and will not reinvestigate the error or contact XXXX. I am providing proof from correspondence I received from XXXX as well as correspondence sent to CFPB requesting that the error of collection be removed from my credit file. Today I contacted XXXX and EQUIFAX to no avail. XXXX indicated that they have already contacted the three credit bureaus and EQUIFAX has stated that they can not remove the item without contact from XXXX ; however XXXX stated they did contact them and ca n't control the removal filed by EQUIFAX. 

I can not get into my online profile because EQUIFAX is not allowing me to even after I have answered all of the identity questions several different ways on several different occasions. I can not get the help I need via phone and when asked to help access my file online I am told they can not fix it. I am now locked out of my own profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identify fraud. This account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that are reporting incorrectly on my credit reports : Personal Information : Name : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX  ( TU  ) Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Inaccurate late reporting : XXXX XXXX - ( TU, XXXX  & XXXX  ) ; Opened - XX/XX/XXXX ( TU  ) ; Opened - XX/XX/XXXX ( XXXX & XXXX  ) ; Balance - {$6500.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX - ( TU, XXXX  & XXXX  ) ; Opened - XX/XX/XXXX ( TU ) ; Opened - XX/XX/XXXX ( XXXX  & XXXX  ) ; Balance - {$800.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX XXXX XXXX - ( XXXX  ) ; Opened - XX/XX/XXXX ; Balance - {$0.00} ; I was never late on this account, please remove late reporting. 

XXXX - ( XXXX  ) ; Opened - XX/XX/XXXX ; Bal : XXXX ; the status is incorrectly reporting that I was late. Please remove late reportings. 

XXXX XXXX  - ( XXXX  ) Opened - XX/XX/XXXX ; Bal : XXXX ; the status is incorrectly reporting that I was late. Please remove late reportings. 


The following accounts are reporting either due to error or Identity Theft, Please remove the following items : XXXX - ( XXXX, TU, XXXX  ) ; Opened - XX/XX/XXXX ; Bal : XXXX ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Opened - XX/XX/XXXX ; Bal : {$360.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX - ( XXXX  ) Opened - XX/XX/XXXX ; Bal : {$6100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX  - ( XXXX  ) Opened - XX/XX/XXXX ; Bal : {$200.00} ; This account belongs to someone else or it is a direct result of identity theft. 

So XXXX XXXX XXXX - ( XXXX  & XXXX ) Opened - XX/XX/XXXX ; Bal : {$0.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX - ( XXXX  & TU ) Opened - XX/XX/XXXX ; Bal : {$18000.00} ; This account belongs to someone else or it is a direct result of identity theft. 

The following inquiries was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have my moms death certificate to show her debt should be removed since there is no estate and no money to pay it.
Product: Checking or savings account

Someone sent money to this checking through XXXX accidently. I reached out to the bank because I don't have access to this account because it is locked letting them know this person sent this money in error and I wanted to not except the XXXX or have it returned. They told me I could do it from the account, but I do not have access to the account since it is locked. I explained to them again this money was not meant for me and the person who sent it is now trying to hold me accountable and still they refused to send the money back or reject the payment. Also, wouldn't give me access to the account so I could return the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

BB & T # XXXX is reporting a late to my account that I should not have. My mortgage account was transferred over from XXXX and I was not informed of this, I did not receive any kind of letter or notification about the transfer of my account. I did try to make payments to them however they were declined and they would not accept it. I tried to pay my account on time and this late is not my fault.
Product: Checking or savings account

I opted to transfer money between my XXXX  XXXX XXXX account to my B9 Bank account. I wanted to do this money transfer using my XXXX Debit card. I started the transfer but it did not go through because of fraud protection I tried a second time and the second one did go through. They money from the failed one was not immediately returned to my account so i started a dispute through XXXX  XXXX XXXX against b9 since I never received the second transfer. During course of the dispute the second transfer eventually fell off my account and I got my money back. So my dispute was denied since I ended up getting my money back. After I was sent a PDF letter saying my claim was denied a few days later I noticed my B9 account had a charge back for XXXX the amount that I had transferred. I contacted B9 and asked about the chargeback since the claim was denied and I never received any money in my XXXX XXXX XXXXXXXX account regarding a chargeback. they said XXXX XXXX XXXX did the chargeback. I then contacted XXXX  to ask about the chargeback and they said they never started a chargeback regarding that claim since my claim was denied. So not my b9 account is negative from the XXXX chargeback and both banks are saying they did not initiate a chargeback.
Product: Debt collection

My mother in 2007 when I was XXXX XXXX XXXX obtained a Wells Fargo credit card under my name. I had no knowledge this was under my name and Wells Fargo allowed a debt to be opened in someone's name without their knowledge and also my mother is not a XXXX XXXX speaker they took advantage of her asking if she had any adult child she wanted to make an account for. This was around the same time they had a scam to open as many accounts as possible and mine was one of them which the CFPB sued Wells Fargo and forced them to pay huge fines for this type of behavior My mother has been paying that debt which I had no knowledge off because I did not open the account and I don't use my credit for anything up until recently when I checked my score and my report to find that Wells Fargo has been reporting me on a Charged OFf account - They never called or wrote me anythjing to allow me to resolve the issue they simple reported me as a charge off. I only found out due to accessing my free yearly credit report which I only did recently and hadnt noticed this account ever in the past due to it being in good stannding. now that its a charge off I was still never notifgied by Wells Fargo about this account and its negative standing in order to resolve it. 

when I try to call I get conected through general customer sertvice, they tell me that they have to transfer me to their legal department ( XXXX ) they leave me on hold for hours, then someone answers, says they cant hear me and hangs up. This has happened about 15 times now from multiple phone lines and I am losing time and income dealing with them since they are only open during regular business hours XXXX while I am also working. 

this is discrimination as they took advantage of my XXXX mother who didnt fully understand XXXX and they got her to open the card in the first place without my actual permission and I was so young I didn't know until I am not older and trying to use my own credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX -each bureau reports a different date of last activity Date XXXX  ShowsXX/XX/XXXX Experian Shows XX/XX/XXXX XXXX  Shows XX/XX/XXXX Experian, XXXX, XXXX is showing a monthly payment as well as a past due on closed account of {$1000.00} how is this possible? ( THIS ACCOUNT NEEDS TO BE DELETED PLEASE ) This is how I know that it wasn't a proper investigation. FCRA is very clear about the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was successful in proving to XXXX some of the erroneous errors on my credit. While they were in violation of not doing it before they have corrected it. XXXX received the same evidence and has failed to remove the errors. They sent an email with result but each time I click on the link it loops around I attempted to change my password to no aviail. I attempted to call to no avail. XXXX removed 2 collection items so far ....
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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.

This company 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 or other personal consumer reports

TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hurt on job years ago needed help bank wouldnt help and turn account over to Collecting agent and showed write off on my credit report. I call Regions bank but they would not help me. I have payed this account off and I want it removed from my credit report.
Product: Credit reporting, credit repair services, 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. 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.