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

I am contacting the Consumer Financial Protection Bureau in regards to an old account which is still appearing on my credit report in violation of FCRA Section 605 with all 3 credit reporting bureaus ( TRANSUNION, XXXX  and XXXX ). The account in question is a XXXX XXXX   opened in XX/XX/XXXX. The partial account number is # XXXX ... 

I am contacting this agency after hearing about your effectiveness in forcing credit reporting bureaus to follow the law. I had previously written to them regarding other violations on my credit report but they had inaccurately validated them and I have been slowly fighting those accounts personally in order to have those creditors fix and or remove the inaccuracies and this process has taken a very big toll on my stress levels and it has not been easy. I am finally successful in getting those inaccuracies adjusted and would like to come to this platform regarding this XXXX account because XXXX XXXX refuses to open a new investigation for me because this card has been closed for over 7 years and it is past the statue of limitation and also because they no longer have my information on file. 

My complaint is that this XXXX  credit card had its final payment made in XX/XX/XXXX. That is over 7 years ago and this account is still reporting to my credit report with countless lates and delinquencies, which is illegal. 
There are other inaccuracies as well. XXXX, Transunion and XXXX   have incorrect dates for the LAST payment on this account and it seems illegally re-aged because it is showing that I made payments AFTER its closure in XX/XX/XXXX which I NEVER did. So, for some odd reason this account was illegally aged over 6 months when in actuality the FINAL payment was made in XX/XX/XXXX. This account should have been deleted from my profile completely in XX/XX/XXXX,  according to FCRA law. It has illegally been reported as being paid past its final payment and its closure and this is absolutely incorrect and damaging to my credit report. This account was settled in court in XX/XX/XXXX and I have had no responsibilities to pay them monthly since XX/XX/XXXX.
Product: Credit card

I pulled a credit report and found these items on it disputed them with the companies already and still nothing been resolved. 

opened XXXX XXXX balance {$960.00} balance but its closed already opened XX/XX/XXXX XXXX XXXX with a balance still open opened XX/XX/XXXX XXXX XXXX with a smaller balance still open I called the banks and reported them as fraud. Please help to get them off my credit reports the banks said they will proceed to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward the information to National Credit Audit Corporation. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/202XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/20XXXX XXXX  Date of Inquiry XX/XX/20XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of XXXX XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXXXXXX XXXX Date XXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am not associated with these creditors, and I did not make the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Previous Complaint XXXX After sending XXXX XXXX XXXX Experian and XXXX my information twice they are refusing to let me verify my own identity. XXXX has acquired and are furnishing incorrect information and fraudulent data and fraudulent information participating in willful negligence which is stopping me from recovering from identity theft, barring me from financial products and hindering living arrangements due to keeping inaccurate and incorrect old, outdated information on my credit report file, this is my 3 time trying to figure out how has my name, address, social gets changed without me ever knowing and then they not allow me to correct my own information, it's insane!
Product: Credit reporting

I am requesting again the removal of said account below ; as per the furnisher who first reported this debt to you. Because you have FAIL to properly investigate this case, I have taken it upon myself to work with the furnisher and we have come to an agreement about this account which I am no longer the SUBJECT of nor did I own the account. You are reporting to the public that I owe a debt or owed a debt which is not true and I will take immediate legal/civil action if this is not removed from my account. 


Again, I have come to an agreement with the Furnisher and because we have found the account not belonging to me and is inaccurate, I am demanding for it to be removed from my credit file. 

I have attached the letter from the furnisher of this account. 

XXXX Card ( XXXX )
Product: Debt collection

The original debt was with a timeshare we signed up with and then backed out of. We paid the amount of {$5300.00} with our Barclays Card in a down payment and we subsequently paid it immediately with our XXXX XXXX checking account for a product that would not work so we CANCELLED as called for in our agreement We called our bank to refuse the charges our bank refunded the balance ... ..When the charge then showed up on our credit card we spoke with Barclays and disputed the amount with the card as fraudulent because the product didnt work as promised. The travel company. Cant remember the name ... .refused to reverse the charges and BarClay then refused to credit the amount to our account and started collection procedures. The travel agent actually lives in XXXX so we cant reach him and we shouldnt have to.contact him This account got confused with amother travel account with the same name PRIVILEGES  which we paid for and used all the rewards from it. Because of the confusion of one working and one not working Barclays was under the impression we owed for the XXXX transaction as well. We refused again to pay so they again started collections. Please help us get this DELETED from our credit report. Im XXXX yrs old and dont NEED credit but am a XXXX and dont want this on my record cause its a debt I do not own or owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$7500.00}
Product: Credit card or prepaid card

To Whom it Might Concern, I bought three items in best buy in which two of the items are defective. Best Buy fail to send me new items and the XXXX XXXX and the XXXX XXXX by XXXX. Both items cost me over XXXX USD. I decide to sent the items back and I have been talking to Best Buy to get the XXXX label and they fail to resolve the problem. Best Buy wants me to take responsibility to ship the item back. 

Also, I had a 24 months finance brake and they are charging me {$23.00} fee every month for no reason. 

Everyone who buys from Best Buy should be extremely careful.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX 15 USC 1681 section 602a. Starts I have the right to privacy. 
15 USC 1681 section 604 a. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) section states : no consumer reporting agency May 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 antedated the report by more than seven years.

15 USC 1681a-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 what would be a fair resolution to this issue
Product: Payday loan, title loan, or personal loan

Concerning XXXX XXXX, on XX/XX/2021 their staff management was extremely bias to me as a consumer, because I which to speak to their fraud / compliance dept. in respect to the unscrupulous & fraudulent sale tactics of XXXX XXXX ... 
See attachment : A1 - page 4 - 8.
Product: Debt collection

Failure to Validate Debt XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA, XXXX XX/XX/2021 After reviewing your response, which is attached, I saw what looks like a bank statement that was sent from your company as an attempt to validate this alleged debt. A bank statement in no way shows any originality nor proof of this alleged debt which means it does not validate that this alleged debt is mine, as your company assumes. Those alleged charges could have been made by anyone, therefore it does not prove nor validate anything. Pursuant to 15 USC 1692g an assumption by any debt collector is not validation. Since your company, Client Services, has failed to provide any of the documents that was requested in my original letter, except a bank statement, to prove and validate that the alleged debt is mine, in which your company assumes. As a consumer, I do not give you consent to contact me again unless it is notifying me of the deletion of any and all references of this alleged account and the removal of this account from my credit file. 


Best Regards.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( XXXX ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( XXXX ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Account Identity Theft
Product: Student loan

Navient Department of Education is denying me a student loan deferment and consolidation despite my application being approved. In fact, my loans should be deferred until XXXX/XXXX/XXXX. In addition, because Navient Department of Education is not honoring the terms of my consolidation loan I ca n't reapply for another loan and reenter a institution of higher education for XX/XX/XXXX to complete my degree. Also, my approved consolidation loan and loan deferment is not taking my loans out of default status. review the following conversation between myself and University XXXX at XXXX : XXXX Registrars Office XXXX XXXXXXXXXXXX XXXX to : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX date : Tue, XXXX XXXX, XXXX at XXXX subject : Re : University XXXX : Transcripts & Records : XXXX ID : XXXX mailed-by : XXXX signed-by : XXXX encryption : Standard ( TLS ) Learn more : Important mainly because it was sent directly to you. 

XXXX XXXX, Thank you for contacting our office. After reviewing your records we did receive your Transcript Request on XXXX XXXX, XXXX via mail. We called you and left a message on the phone number you have provided on the request the same day we recieved the request. Our office is unable to process your request at this time due to a financial obligation. In order to process your request, your financial obligation will need to be cleared. Please contact the following office for more information : XXXX Business Office ( XXXX ) XXXX Once the hold is cleared, please notify our office so we can continue processing your request. If you have any questions, please feel free to contact our office. Have a great day. 

XXXX, XXXX XXXX Registration Assistant Therefore, Navient United States Department of Education is not clearing my default status and honoring the terms of my consolidation loan. I believe their agency is refusing to cooperate with me as a result of retaliation because of audits on XXXX XXXX Loan Servicer and XXXX XXXX XXXX Direct Loan Program. This particular discrimination is ongoing and consistent. I believe the employee 's for the United States Department of Education is denying me the right to finish my degree endeavor.
Product: Vehicle loan or lease

This loan was started on XX/XX/XXXX for XXXX and the monthly note is XXXX. In XXXX I was out of work due to a health problem. I called the company to let them know, so I was granted a few months that I can make payments for XXXX a month, when that time was up the company called me and said that my car is on the list to get repos unless I can make a full payment of XXXX. I let them know I am out of work and I had applied for XXXX and I am waiting to hear back. I also told them to give me until Friday I have a friend who can let me borrow it that was the agreement that was on a Wednesday apparently it was fine. Then this happened Thursday, XX/XX/XXXX my car was reposed Credit Acceptance did not even wait until Friday to come to see was the note going to get paid. I call them on the phone to ask why they repose the car we had agreed for Friday. Then I was told that they can't do anything about it, I was told the only way I can get my car back is to agree to a payment of XXXX a month if I don't they want to tell me where the car is and I can't get it back it will go up for auction. I had to agree to their tern and send them XXXX first before I can know where the car is and get it back. Now I have been getting help for 12 months paying XXXX on the car now I was approved for XXXX i ask the company can we try to settle this loan for what I had already paid or drop the note. I was told they can't and that maybe I should surrender the car. The remaining balance is XXXX which includes a past due balance of XXXX.
Product: Debt collection

XXXX PREV CASE INFO..

MED 1 REPLIED THAY THEY DO NTO HANDLE THIS ACCOUNT ANYMORE AND THAT INFORMATION IS FALSE.

THE ALLEGED AND DIPUTED DEPT STILL APPEARSON THEIR WEBSITE AS A BALANCE DUE. FIVE REQUIEST MAILED TO OBTAIN INFORMATION ON THE DEBT AND MED1 REFUSES TO COMPLY WITH THE REQUEST FOR INFORMATION ON THE ALLEGED DEBT.

THE REPLY TO THIS ORIG COMPLAINT IS, " FALSE ''.

FIVE REQUESTS SENT TO THE COMPANY AND NO REPLIES!
Product: Checking or savings account

On Friday XX/XX/XXXX at XXXX XXXX. C.S.T. My wife, XXXX XXXX, who is on the account, deposted {$950.00} Cash at an ATM located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, United States. The ATM had just gotten repaired by a repair tech. She was in the other line, and he flagged her to come over. She asked if it was good to go and he said yes. He watched as she deposted {$950.00} Cash. There were FOUR {$100.00} bills, and the rest was {$20.00} and one {$10.00} bill. During the deposit, the ATM machined malfunctioned and the repair tech said, " that's not supposed to happen ''. The cash did not deposit to our account. The ATM did not produce a receipt or any paper document stating what happened. The repair tech said he will put the money aside to a separate area inside the ATM room so it can be deposited/ returned by a Capital One employee. My wife called me, XXXX XXXX, the husband and I left work early to come assist with the situation. The repair was locked inside the room and would not come out to talk. I could see he had the ATM pulled open from the back and was on the phone with someone. A short time after, another repair tech came up and spoke to us. He said he can not return the money, or take our information because he works for capital one, not me. While there, I called capital one and made a claim. The number is XXXX. Since then the only correspondence I have received is an email stating they are working on the claim. This is the most unprofessional experience I have ever gone through. Capital one is not helping resolve the issue. Someone should have already gone to that ATM and gotten our money out. It has been 4 days since the incident and not one person has reached out to us. At this point, I consider it stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX whole year Ive been going thur identity theft all XXXX credit bureaus have my documents and police report on file. I pay monthly for Experian app to keep my information safe and secure. I also have locks and freeze on my account including a pin which I change that and my email frequently due to ID theft. Somehow Experian is still allowing this thief to hack my account that I pay monthly to protect and alert me when someone apply or change anything on my account. Which is all fraud this person changes my personal information adding contact numbers Ive never had changing my email address so when they apply for new credit the company would call the fraudulent numbers. Experian is allowing this thief to add fraudulent addresses to my account that is vacant houses.Address that are not on file for me to receive mail from United States post office. I also have a statement up stating the only XXXX addresses and only XXXX should be on file for me. Experian still allows the fraudulent person to update new things to my personal information on my credit report its unbelievable. I also believe someone here that works at this company is also using my information, due to the fact I have a pin set only myself and Experian knows it, so how is this other person/persons still getting in my account? They are very unprofessional now my information has been uploaded to dark web ect this has really ruined my life
Product: Credit reporting, credit repair services, or other personal consumer reports

please i call this company please i need help to remove this account for my credit report
Product: Debt collection

They have repeatedly called my father about my debt and even threatened to sue him although he has nothing to do with my debt. This threat happened on XX/XX/21.
Product: Mortgage

On XX/XX/XXXX I was made aware that PHH Mortgage was not paying our property taxes in full. I sent them the notice, along with all relevant information to pay the taxes. I received a response that I would receive an update in 10 business days. I did not. I reached out in the beginning of XXXX of XXXX to check on the status. They assured me it was being handled. On XX/XX/XXXX ( a year later ), I received notice from my county of residence stating that the taxes still had not been paid and we were at risk of the property being seized if payment was not made by XX/XX/XXXX. I sent it to them, again, and as of today, XX/XX/XXXX there still has been no payment made.
Product: Debt collection

XXXX reported my account to XXXX. I received the letter and disputed the balance XX/XX/XXXX. I was told by collection agency that they would forward information to XXXX and i should receive itemized bill of charges. Now, I just learned my account has been turned over to another collection agency called Diversified Consultants which was exactly a month later. I never received correspondence of the change in collection agencies. I was still under the assumption that my account was still with XXXX and i was waiting on follow up correspondence from them and XXXX. This new collection agency never sent me a letter that the account was turned over to them, never received any notification. Therefore, they violated my right to dispute the balance. Now, the balance they have is {$2400.00} and the balance with previous agency was {$940.00} which is a big difference.
Product: Credit card or prepaid card

on XX/XX/18 i contacted wells fargos regarding a credit line increase on one of my cards i have with the limit was set at {$600.00} already. i asked for an increase of {$10000.00}. this card i had for 3 years on the account no missed payments aways on time. instead i got an increase of {$200.00} dollars.i dont nothing on my credit report that would not grant my request
Product: Mortgage

This is a new complaint regarding open case XXXX. Wells Fargo continues to lie to CFPB in their response. The complaint was submitted on XX/XX/21 and till this date, they have not resolved the issue. In their response to CFPB XXXX, Wells Fargo indicated that they need more time because they were unable to reach me. This is inaccurate. If CFPB does not regulate banks and start having consequences for Wells Fargo for continuously lying to consumer and CFPB, I will start writing to the Senate and House Financial Committee. 

Till this date, besides receiving a letter from Wells Fargo stating that they are still researching and assign my case to XXXX XXXX, XXXX, I haven't received any phone contact from Wells Fargo. It's inaccurate for them to say that they were unable to make contact with me. I called Ms XXXX on XX/XX/21 and XX/XX/21 and left messages on both occasion and I haven't received any return call. I called XXXX and spoke to XXXX XXXX on XX/XX/21 around XXXX XXXX Pacific Time and spent 23 minutes and she was unable to find someone to assist me. I finally ended the call and told her to get someone to call me back which I haven't.
Product: Debt collection

I have sent several disputes to XXXX  disputing the validity of this alleged debt from Rent Recovery Solutions regarding a debt for. I have received responses stating the debt was validated. I also request to know how this was validated and received a very generic response. I received information from Rent Recovery Solutions regarding the alleged debt which was very incomplete and with discrepancies. I have had no dealing or business relationship with Rent Recovery Solutions. Furthermore how do you determine an amount past due rent for XX/XX/2015 when there is not a lease for XXXX provided. I have sent this information to Rent Recovery Solutions regarding this discrepancy. Please see attached details.