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

What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Experian where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- - XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX   XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Charge-Off Reporting by XXXX XXXX on XXXX Credit Report Dear Consumer Financial Protection Bureau , I am writing to request your assistance in resolving a reporting issue with XXXX XXXX XXXX XXXX XXXX which has negatively impacted my credit report. As of XX/XX/year>, XXXX XXXX reported a charge-off on an account that I have no knowledge of, claiming a {$1200.00} charge-off amount and a past due balance of {$1400.00}. I have no record of this account or any financial relationship with XXXX XXXX and am not aware of the origin of these amounts. 

Notably, my credit report shows no data ( ND ) for XX/XX/year>. However, in XX/XX/year>, a charge-off suddenly appears, which seems highly unusual and inaccurate. The rapid change from no data to a charge-off in such a short period raises concerns about the accuracy of this reporting, as I have no association with this account or its reported balance. 

I respectfully request that the CFPB assist me by : 1. Investigating the origin of this account and the validity of XXXXXXXX XXXX reporting on my credit file. 
2. Requesting XXXX XXXX provide verification of this account and explain the reporting discrepancy between XXXX and XX/XX/year>. 
3. Ensuring that this inaccurate information is removed from my credit file if XXXX XXXX can not provide valid proof of my authorization for this account. 

This error is significantly impacting my credit score and, therefore, my financial well-being. I hope to resolve this issue promptly with your support. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, the bank corrected my name on my checking account, and withheld my pension check due to no fault of my own. As a direct result, denied pension. Seemingly, the pension check was sent back to the pension company on XX/XX/year>, as per the bank. Bottom-Line, the bank fully aware I have bills which now I will be charged late-payment credit card fees due to no fault of my own. Why did the bank send pension check back instead of releasing pension check to loyal customer of nearly thirty years knowingly that it is the banks own fault of having the name on checking account? On XX/XX/year>, the bank corrected their own error by correcting my name on checking/savings account. However, due to no fault of my own, my pension denied. 
Whereby, the bank will charge me over {$340.00} in late fees & charges on credit cards, unfortunately.
Product: Prepaid card

I tried to redeem XXXX amex gift cards ( amexgiftcard.com ) on XXXX. All transactions were rejected, even for amounts significantly less than what were on the cards. 

The gift card balances were full ( {$150.00} on each card. )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$27000.00}
Product: Payday loan, title loan, or personal loan

My Name is XXXX XXXX XXXX I have questions about my credit report. And also a question about a Lien was also placed on my report After a ChapterXXXX Bankruptcy case involving a XXXX  vehicle. And a title My concern about all of this is Nissian Sent me a relief from Stay form Of a final notice of a repo. Of this same vehicle I made several attempts for them to come get it they wouldnt. I have the original first day of purchase and in the state of V.a the 20 years is Almost in leaving Free clear of this Debt lien And a vehicle they was never worried about repression on
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,    2017 I checked my credit report which I do annually. I found that in  XX/XX/XXXX  of last year, a collections account was placed on  my report from   XXXX   XXXX   XXXX   in the amount of {$620.00}. Not only do I have no idea what this is, this company has never contacted me either by mail or phone and the parent company from where they acquired this debt is foreign to me as well. I 've opened disputes with all  XXXX  credit agencies as well as a BBB complaint. I wish to have this fraudulent account removed from my credit report as it is harming my credit.
Product: Mortgage

We took a second mortgage out in XXXX for an amount of XXXX. This loan was for our property improvements including fencing, grading, etc. In XX/XX/XXXX. We stopped paying due to the recession and medical bills of our XXXX XXXX. Just a few years later we tried and tried and tried to reach the lender who held the note. 

No one was sending us statements and we could not get any response. In XXXX I met with an attorney and he was not able to locate the holding company of our loan. It wasnt until XX/XX/XXXX that we were notified by mail that our loan had been purchased by Planet Home Lending and that we were in default ( letter attached ) and need to pay the balance due with no payment plan. Then in XXXX less than 1 month later ( attached ) they demanded the {$360000.00} with a {$22000.00} penalty if we didnt pay it by XX/XX/XXXX. 

We contacted them and asked how can we set up a payment plan and possibly refi the loan. They said thats not possible and you will have to deal with the holder of the loan XXXX XXXX XXXX which we were never provided a contact for. Fast forward to XX/XX/XXXX and we get notified by certified mail of NOD ( notice of default ) and that our home will be foreclosed in 90 days at auction. 

How can this be happening? They have provided us no way to to keep our home. 

How can this be fixed or some kind of repayment plan happen? They are trying to destroy us. Please help. This feels like predatory lending tactics. They are providing zero resolution options.This loan was done in XXXX. Is there any protection under Dodd-Frank rules or any other California options ? 

Please note that XXXX XXXX is who holds the money and Planet Home Lending is the servicing company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, they informed me of my options in handling my situation.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$290.00}, XXXX XXXX  Balance {$430.00}, XXXX XXXX  Balance {$710.00}, XXXX XXXX XXXX Balance {$480.00}, XXXX XXXX {$160.00}, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX XX/XX/XXXX, XXXX of XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED ... WRONG DATES..CLOSED DISPUTES STILL WRONG ... CANT DISPUTE AGAIN XXXXNO INVESTIGATION. COULDNT BE. ACCT PAID OFD IN XXXX ... DISPUTED 3X MORE SAID VERIFIED. HOW. ACCT CLOSED W CREDITOR. SHOW ME PROOF. I HAVE MINE. WANT ENTIRE ENTRY REMOVED
Product: Debt collection

CCS Collections is trying to collect XXXX for XXXX when I have a new policy with another company and I don't owe XXXX nothing, This company keeps doing this I have reached out to them multiple times and I am told they will remove it and it's still against me now it's on my credit report and I want it removed immediately as this is not owed and they have to right to put this against me. They keep putting it back against me so I am reaching out to CFPB now to fix this
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date, XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

I submitted a dispute to XXXX Bank on or about XX/XX/2022, concerning a partial refund of {$1000.00} from XXXX because the refund did not post to my account. As of today, I have contacted Comenity Bank numerous times, but I have not received a clear status update or explanation from them. They indicated that it can take up to 90 days for a dispute to get resolved and it is now well beyond 90 days. This is not the first issue I have had with Commenity Bank related to this credit card, but rather this is the 4th or 5th issue that i have had with them in 2022. Eith respect to the refund, XXXX confirmed to me in writing that the refund was successfully processed and accepted by the Commenity Bank on XX/XX/2022. XXXX provided me the following trace number for the refund transaction : XXXX. XXXX also provided with a receipt, showing the refund amount and confirming it was refunded to my XXXX 's XXXX XXXX XXXX XXXX ending in XXXX. I provided the written confirmation from XXXX, the XXXX receipt and the trace number to Comenity Bank. My card ending in XXXX was closed in XX/XX/2022 due to an unrelated fraud incident. I am extremely frustrated and annoyed that this has not been resolved in well over 90 days and by the lack of communication from Comenity Bank. Please help.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you review the documents? Some accounts have inaccurate reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I have paid off more $ XXXX in student loans and I currently have a balance of little over $ XXXX. However, the XXXX credit reporting agencies ( XXXX, XXXX, and XXXX ) all do not show the current balance, but it shows the old and outdated balance of over $ XXXX. In addition, the credit reporting agencies show that the last time the loan servicer, EdFinancial, provided balance information was in XXXX or XX/XX/2023, which is almost 6 months ago. I am actively trying to apply to mortgage to purchase a home and my credit score is negatively impacted by EdFinancial 's failure to send the most current balances of my student loans to the credit bureaus. I have called and emailed EdFinancial about this matter, but they had not yet provided any response. I have opened disputes with 2 out of the 3 credit bureaus, XXXX and XXXX. 

EdFinancial must send my current loan balances to the 3 credit bureaus immediately. Until then, their inaction and failure of their duty to report balances to credit bureaus is harming my credit score and costing me real money in the form of getting higher interest rates that I do not deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Consumer Loan

I have been a victim of identity theft and Exeter finance is one of the companies that is listed on my report that is due to this theft. I have done all of the steps required to take care of this situation, I have filed a police report I have done a FTC identity theft affidavit sent in my identification to them and I keep getting no response from them. I called last week and was told my police report was not signed by a XXXX I explained to them in XXXX ca if it is not a crime that puts you in immediate danger you are to file a police report online and wait for it to get approved by an XXXX which is what I did my police report was approved and the XXXX name is on the report. I explained this to them they said they would just call the police station to make sure it was a valid report that day I said fine I called to follow up and no one seems to know anything. I sent everything over to them why must I be a victim twice
Product: Debt collection

Crown Asset Managment LLC processor XXXX XXXX XXXX XXXX is attempting to collect an incorrect amount of time barred debt. The orginal amout owed is {$1500.00}, They claim I owed {$1800.00}, now they claim the principal is {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, XXXX, TransUnion, XXXX XXXX XXXX, and any other relevant creditors regarding inaccurate credit reporting information and unjust collection activities concerning an alleged debt attributed to my name. Despite my repeated attempts to resolve this matter directly with the involved parties, they have failed to provide adequate documentation to substantiate the validity of the debt in question. 

My name is XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. My direct contact number is XXXX. 

The specifics of my complaint are as follows : XXXXXXXX XXXXInaccurate Debt ReportingXXXX XXXX XXXXXXXX, XXXX, TransUnion, XXXX XXXX XXXX XXXX and other creditors have reported an outstanding debt associated with my name, yet they have failed to provide sufficient evidence validating the existence and accuracy of this debt. Despite my requests for documentation, including signed contracts or agreements pertaining to the alleged debt, the creditors have neglected to provide such evidence. 

XXXX. XXXXViolation of Fair Debt Collection Practices Act ( FDCPA ) XXXX : Under the FDCPA, creditors and debt collectors are required to provide accurate information regarding debts owed by consumers. Moreover, the FDCPA prohibits creditors and debt collectors from engaging in unfair or deceptive practices. Despite these regulations, the involved parties continue to pursue collection activities and report this alleged debt without providing the necessary documentation, thus violating my rights as a consumer. 

XXXX. XXXXDemand for ResolutionXXXX  : I demand that XXXX, XXXX, TransUnion, XXXX XXXX XXXX XXXX and any other relevant creditors take immediate action to provide documentation validating the existence and accuracy of the alleged debt. Furthermore, I request that they cease all reporting and collection activities related to this alleged debt until the requested documentation is provided. Additionally, I request the removal of any negative reporting related to this alleged debt from my credit reports until the debt 's validity is verified. 

Failure by the involved parties to comply with this demand will result in legal action. Any continued reporting of this debt and attempts to collect on it without providing the requested documentation will be considered a violation of the FDCPA. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX, XXXX, TransUnion, XXXX XXXX XXXX, and any other relevant creditors for their failure to adhere to federal regulations governing credit reporting and debt collection practices. 

Please acknowledge receipt of this complaint and inform me of the steps being taken to address this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX  : XXXX cc : Attorney XXXX XXXX XXXX.
Product: Debt collection

This at one point was owned by another collection agency ... .i cant remember who at the moment ... .apparently it was sold to I C systems which recently placed this on my credit report ... but guess what they never send me a dunning letter/notice of right to dispute ... .Question if the last collection agency was not able to validate this debt how can I C systems just put this on my report with no 30 day notice? this is a clear violation and if this is not removed immediately i will be sending this to a consumer attorney and sending a complaint to the state attorney general
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following creditors listed below have violated my rights. 
15 U.S.C 1681 section 604 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 consent. 

Name : XXXX XXXX XXXX ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$1000.00} Name : XXXX XXXX XXXX ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$710.00} Name : XXXX XXXXXXXX XXXX  ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$760.00} Name : XXXX XXXXCCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$400.00} Name : XXXX XXXX  ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$570.00} Name : XXXX XXXX XXXX  ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$530.00} Name : XXXX XXXXXXXX XXXX ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$1000.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. 
You guys know its against the laws that protect us consumers to report any info or accounts that have-not been proven to be 100 % accurate!

In the FCRA I read that everything has to be 100 % accurate on my credit file under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate for this violation I can easily get {$3000.00} in a lawsuit against your company!! 

Account Name : XXXX XXXX XXXX XXXX  Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX -- {$51.00}, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- {$9500.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- {$25000.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX -- {$25000.00} Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXccount Name : 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Navy Exchange ( NEX ), the " XXXX '' onboard US XXXX bases, offers currency exchange for personnel stationed overseas ( in XXXX ) to  pay their off-base rent. However, the exchange rate offered is always 2-3 % less than the Bank Rate for US dollar to XXXX XXXX exchange. 

To offset this, the Navy Exchange provides a {$10.00} gift card for use at the NEX, for each month paid. However, this is inequitable because the gift card is always for the same amount, regardless of the monthly rent amount ... so a single military member with an $ XXXX/month ( equivalent ) rent payment derives more proportional benefit from this {$10.00} gift card than a military family whose rent could be closer to $ XXXX ( equivalent ).