23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXXXXX  Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Bank account or service

In short I was scammed, it was an over-payment set up. I was supposed to tutor this gentlemen 's daughter and his attorney was leaving for vacation so he wanted to send me a months worth of payment. His attorney had left in a rush and accidentally combined my check with the money that was payment for his daughters nanny. I was asked to deposit the check and send the difference to the nanny, thinking I would see her the next day at the first scheduled session I did n't think much of it and sent it via chase quick pay. The " father '' postponed the start date of the session and the following morning the original check I had been sent and deposited was returned because it had been altered.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is falsely reporting the open date of a collection and has continuously reported the collection as verified without and method of verification. 

They have also been doing hard credit pulls on my credit which resulted in hard inquiries on my credit report in which Indid not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Transunion has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late from reporting on this account. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX1978 XXXX $ XXXX Late Date XX/XX/XXXX
Product: Student loan

I was never contacted by XXXX or Nelnet that my loans were in default. I was under the assumption that since I had recently stopped going to school, my loans were not yet due. I was never sent statements or received phone calls regarding payment for my student loan. Once I found out that the loans were in default, I was never offerred a restructuring or forgiveness for my lates. I took the effort upon finding out how dire the situation was and consolidated under XXXX. They have since paid both XXXX and Nelnet in full. All I am asking both XXXX and Nelnet to do is to remove the late payments on my credit bureau report since I was not made aware the laons were due and in default, they had an incorrect address for me, and upon finding out about the default, neither of them offerred me a restructuring or forgiveness. I have sent numerous emails, letters, and made numerous phone calls to both and they are both unwilling to work with me due to their error.
Product: Vehicle loan or lease

+++++++++++++NOT A DUPLICATE++++++++++++++++++ Santander DBA Chrysler Capital Has violated the Fair Debt Collection Protection Act. 

806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 USC 1692e They contracted some very intimidating repo company with " cummin for that XXXX '' T-shirts to follow me to repossess the vehicle and they lifted the vehicle while I was in it and falsely imprisoned me in the vehicle until the police officer told them this was a breach of the peace. I have video evidence of all of this. 

On Saturday, XX/XX/2021 I was verbally and physically assaulted by the debt collectors when they lifted the vehicle with me in it. I closed my windows and called the police at which time the police got a witness statement and saw the video of the repo company blocking me in so a tow truck could hook on to the car and lifting me up while in the vehicle, the vehicle was damaged as a result of this aggressive unlawful debt collection attempt. I suffered injuries as a result and am seeking treatment. All of this happened at a gas station. 

This Company also committed predatory lending in this loan which they must pay me a restitution amount of {$240.00}.
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS WELLS FARGO XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from WELLS FARGO WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting or other personal consumer reports

i have filed and disputed these accounts multiple times. Ihave uploaded documents to show that account is a corporate account and experian, and XXXX still say the accounts are verified. this has now become a civil liability for willful non compliance under 15 usc 1681n. this will be for both XXXX XXXX XXXXXXXX, as well as XXXX XXXX. XXXX also has an open status, which indicates I've received credit and still continuing getting credit. they have failed to provide me with the information I have requested and have lied on here with their statement. You have also received the second mailing, in which, XXXX never responded. This should be rem oved be of estoppel by silence law.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$10000.00} - {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$750.00}
Product: Mortgage

XX/XX/2021 - We received a Past Due Notice of Real Property Taxes from our County. Along with the past due amount is a Penalty for being Past Due. 

We have an Impound Account established with our BSI Financial Services Mortgage Company payment that is to pay/cover our Property Taxes and Homeowners Insurance premiums XXXX We have paid every monthly mortgage payment on time since the inception of the loan. 

On XX/XX/2021, we went to the County Tax website and pulled up our Property Information and Tax Payment record. It showed the Taxes past due. 

On XX/XX/2021, we also contacted the Mortgage company and signed into our on-line Account. The on-line account as well as our monthly mortgage statement dated XX/XX/2021 shows that the Tax Payment was made in the amount of {$1100.00}. 

On XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021, we CALLED the mortgage company regarding the past due taxes. We were given a different person each call, and each person had a different explanation of why the taxes were NOT PAID. We were told there was a problem with the " wire transfer '' to XXXX XXXX NV, we were told the payment was made but did not go through, we were told the issue was being resolved and they would call us back with a " check number '' since the taxes were now being paid individually vs as a group. We were told there are no supervisors, no managers, no person in charge that works for BSI that we could speak to. We were told there is no one in the " tax department '' that takes calls or that can call us back. 

We were never told there was an issue with the payments they made to our County Tax Collector, we were never told there was an issue with our mortgage payments, we were never notified that BSI was having issues with their wire transfer to multiple counties, UNTIL we called in about our Past Due Notice. 

BSI is stating that they had multiple counties that could not accept their wire transfers, yet they did not notify any of their customers. BSI has stated they would take care of the tax payments and late penalty fees, but as of today 's date : XX/XX/2021, the taxes are still past due on the county website.
Product: Credit card or prepaid card

In XX/XX/XXXX I purchased a bedroom set from Macy 's on a promotion of 24 months interest free financing. I calculated that I would have to pay about $ XXXX/month to pay this off in the 2 years so I would not have to pay interest. When I started making payments I was told I had to call them to make each payment so that the payment could be split properly and I could tell them to apply a certain amount towards the furniture and a certain amount towards my regular balance. When I was in the store during the XXXX holidays I made payments ( {$1500.00} total payments ) towards my account as I wanted to make payments for my purchases as I went. Somehow these payments were applied towards my furniture so it was almost all paid off even after I was told this was not possible to happen. When I was reviewing my statements in XX/XX/XXXX I noticed that these payments were applied to the furniture. I made many calls to the credit card and nothing worked as I was told it would take 2-3 months to fix. After much frustration with the credit card department I even tried to call the local store and the corporate office and was told yes it would take 2-3 months to be corrected. I waited a little longer then the 2-3 months to call back as many people were working remote with Covid-19. In XX/XX/XXXX I finally called Macy 's credit  again and was on hold until I got a supervisor XXXX who fixed the balance within days and NOT 2-3 months. Now I called the credit department on XX/XX/XXXX to make my monthly payment to have it split towards furniture and regular purchases. {$400.00} split {$200.00} towards furniture & {$200.00} towards regular purchases confirmation # XXXX. While I was on hold to get someone to make this payment with there was a message stating they would start charging {$5.00} beginning in XXXX to make a payment with a live person so while I was on the phone to make the payment I also told the employee to communicate to his supervisors that the {$5.00} charge would not be acceptable. I would gladly make the payment online or in the store but was told that's not possible. I am a former Macy 's employee and know that years ago from a cash register we used to be able to accept payments and split them between customer 's accounts. So now customers have to call to split payments and when they call they are going to be charged for talking to a live person? So even though I spoke to someone and have a confirmation number my payment was not split as requested and it all was applied to my regular balance. At this point they will profit as my furniture is never going to be paid off by the 24 months. I'm exasperated as I called on XX/XX/XXXX to speak to a supervisor. I was on hold for about 20 minutes and was told they would have a supervisor call me back. Here I am a week and a half later and nobody has called me back.
Product: Vehicle loan or lease

I sold a truck ( XXXX XXXX XXXX ) to someone back @ XXXX. He never titled the vehicle in his name and has contacted me saying he needed the release of lien since the company still has the lien active.

I contacted the company for him since they would not help him. They told me they found my old account and could send me the release of lien on the vehicle. This was in early XXXX. They said they could send it to me via USPS. I waited 10 days or so and called again. They said it takes some time to get it sent out and just wait a little longer. Still did not get it 20 days later. I called again. They tried to say they would send it through the mail again. Again, it did not show. I called them in early XXXX and asked them if they could fax it to me. They said yes and it would take 1-2 days to do that. I did not receive it after 8 days now. I will be calling them back again but I'm running out of options and need to get this vehicle out of my name and the new owner needs to sell it himself but can't because of this lien.
Product: Debt collection

I have requested a letter of both verification and validation from this company several times through the dispute center for my credit bureau. They have never provided both upon request.
Product: Debt collection

LVNV Funding LLC had purchased an account that had been opened using my information without my knowledge and they did so twice. They purchased the accounts from XXXX XXXX Bank XXXX. One has a balance of {$480.00} as of writing this and was opened on XX/XX/XXXX. Its status states that it is a Collections Account and {$480.00} past due as of XX/XX/XXXX. Another account that they had purchased from XXXX XXXX Bank XXXX. was opened on XX/XX/XXXX. It has a current balance of {$660.00}. The type of the account states it is a XXXX XXXX. The status of the account states it is a Collections Account and {$660.00} past due as of XX/XX/XXXX. I have filed a dispute against these accounts as they are fraud. I have never utilized or personally opened a line of credit of any kind at any point.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX,, a personal loan account opened at XXXX XXXX on XX/XX/XXXX XXXX XXXX account number XXXX, a auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB. CHASE CREDIT CARD STILL SHOWING OPEN - NEED ATTENTION I DISPUTED ACCOUNT CLOSED - INCLUDEF IN BANKRUPTCY IN XXXXXXXX XXXX SEVERAL TIMES NOW STILL THERE
Product: Prepaid card

On XX/XX/year>, my company gave me an American Express XXXX XXXX as a bonus. The amount is {$500.00}. I have tried the card multiple times with various merchants, including XXXX XXXX XXXX, XXXX, and XXXX. I also tried to add the card to my XXXX XXXX wallet. None of this has worked. All of these merchants accept American Express. I called Amex twice and was told that the card is active and working and the transactions were denied because the merchants are not approved, to prevent fraud. One of these merchants is XXXX, the largest retailer in the world. The others are completely legitimate companies, including XXXX! Amex offered no solution except to keep trying different merchants. They could not provide a list of merchants where the card would work. After doing research online I found that this is a common problem - the cards work almost nowhere, and Amex can not provide guidance about where they will work. Numerous customers have had to resort to the CFPB in order to get Amex to satisfy the issue. I called Amex again on XX/XX/year>, to inform them that they either need to send me a check for {$500.00} or get the card to work, or I would be complaining to the CFPB. They said they could not do that and I should just keep trying different merchants. This is not a satisfactory answer. Amex apparently knows of this problem yet does nothing about it and is selling card to the public that they know do not work.
Product: Credit reporting or other personal consumer reports

Dear Credit Agency, I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, filed a dispute with Equifax regarding the XXXX XXXX payment history not reporting correctly. On XX/XX/19, Equifax sent results stating the investigation was complete and they verified with the XXXX  XXXX that the data was reporting accurately as " in deferment '' However, Equifax refuses to report those months as " current '' on my credit report. 

I called XXXX XXXX on XX/XX/19 and requested a letter that would include the payment history. I was told that the letter would take several weeks to receive. XXXX XXXX verified via phone that they submitted the data to the credit bureaus for the months that I was " in deferment '' as current. 

Equifax refuses to update my credit file. I am still awaiting the letter from XXXX   XXXX to send to the credit bureau and will forward the letter from XXXX XXXX when I receive it. If Equifax does not update my credit file, I will exercise my rights to file a law suit against the company for inaccurately reporting this account on my credit file. 

I am attaching a letter from XXXX XXXX regarding the forbearance letter stating that interest is still accruing on my loans.
Product: Credit card or prepaid card

My action was that i order a item on XX/XX/2022 and i cancelled the order and the seller said i would receive a refund in 4 days i never got the item or received and i opened a dispute and they credited my card XXXX and then costco citi card did investigation and they took the money back- i never received the product or my credit
Product: Credit reporting or other personal consumer reports

I recently disputed my address on Experian, the addresses that were listed were either a family member of mine or it was my address but the apartment number or letter associated with it was incorrect, so when disputing is it only gives you the option to select " I have never lived at this address/this is not my former address '' it doesn't give you the option to correct the information, so I selected the only option it gives you, this was done back in XX/XX/2025, I pay XXXX for a membership. I assuming these address were removed because my current address is only listed but its incorrect as well but now I am unable to access my reports all together I'm receiving this error message, " Sorry, we can't show you today 's 3-bureau report. This might mean that Experian has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report '' I also recently tried to subscribe to, XXXX  and every time they try to verify me it kept failing with Experian saying I have no record or credit history. I have been contacting Experian for the past week and half by phone but I only get to an automated system with limited information and when asked to speak with a live person I am told that I canon be transferred for limited issues then it hangs up, I have created tickets were I am told to reach out to the same number to speak with a live person and still cant speak to a human and even when given a different number its the same voice with limited options/choices to choose from.
Product: Debt collection

I am filing this complaint because XXXX  XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you