23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My Truck loan was charged off and my account was closed XXXX XXXX ( verified by finance company ) they repossessed my truck in XXXX, XXXX reopened my account then closed it in XXXX which made my credit history only 6 or 7 months old. I did not give them permission to reopen my account. They are claiming the full finance/interest charge when that should have ceased to accrue when the charge off was submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint comes forward as I XXXX XXXX have reached out to Experian numerous times, in this particular case Experian Fraud Dept as they have reviewed my complaint and my dispute towards fraudulent Reporting activities on my credit profile have stated that they were going to update my credit profile however, they have not I have given them a federal affidavit as well as a truth in fact statement towards accounts and inquiries that have been fraudulently placed on my credit profile after a data breach yet to no avail.
Product: Credit card or prepaid card

My XXXX us bank card is used to receive my dividends from XXXX and I was r evenly alerted Due to non payment of a bill bill I continually pay monthly for a the for a traffic ticket Due to non payment of a bill I continually pay monthly for a traffic ticket That wasn't receiving payment so I called to check about my card well I don't use my funds for anything and I get money every 3 months or so biannually I do not keep log on how much I receive II just know the only payment I do get do is the one for the ticket That wasn't receiving payment so I called to check about my card well I don't use my funds for anything and I get money every 3 months or so biannually I do not keep log on how much I receive II just know the only payment I do get do is the one for the ticket Well I called to dispute charges and they closed my account saying that I violated card turn art terms and conditions by being frauded Badly said I would file a police report to Significantly show the damage that has caused I have not received the amount that has been used nor have I received I received a reinforcement for over a year of fraud has been done to my account supposedly I requested 2 cards recently which I never did My payments are anywhere between XXXX {$300.00} by annually I called to dispute and they hung up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I have reached out to All three credit bureaus requesting corrections to my personal consumer credit report. 

I have contacted all three agencies via telephone and also via certified US mail with my requests for corrections. 

Since my initial requests submitted back in XX/XX/2018, I was able to get multiple items corrected on my personal consumer credit report with the exception of several items that are still invalidly listed on my profile. 

XXXX  is the primary credit reporting agency that I am having the greatest difficulty with getting them to report accurate information on my personal credit report. I have spoken with them via certified US mail and over the telephone with an agent representing their agency and was told that the only way that I am able to view my personal credit profile online, would be to subscribe to a service that they offer for a fee. 

XXXX  is allowing various companies to list inaccurate information and information that does not belong to me onto my personal credit profile, after I have disputed it several times within the past year. This is hindering my credit abilities and causing great strain within both my personal and professional life. 

One of the main issues that I am having with XXXX, are the correct reporting of my student loans, I have consolidated all of my student loans which should be listed under only one Agency, however XXXX  is listing them under the agency that they are consolidated with, but they are also listing them individually making my credit profile look as if I have double the amount of student loans which is impacting my overall credit score. 

XXXX  is also allowing XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX to report inaccurate information on my personal credit profile which is impacting my overall credit and credit score.
Product: Checking or savings account

I got a {$6000.00} loan from my XXXX because Ive been laid off. I deposited the check and started to pay bills from it. All of a sudden a hold was placed on the funds and caused my account to be negative {$2800.00} ( the amount I paid in bills ). I deposited the check on XX/XX/scrub>XXXX  I was told that the funds will be released on XX/XX/year>. This check is from a reputable trust bank and there is no reason for this. My XXXX is getting turned off today because of this. Not to mention i have no gas or food to in the kitchen. I was able to pay rent before they placed the hold.
Product: Debt collection

Here is what happened : 1. Got an email from XXXX that my credit score went down 2. Went through XXXX website to obtain a link to somwhere that would tell me why there was a change to my credit score.

3. Found dept collections agency : Torres Credit Services 4. I called them today, XX/XX/XXXX at XXXX at XXXX and asked for information on this debt being collected for in my name 5. I learned it was XXXX XXXX XXXX who sent me to collections 6. I called XXXXXXXX XXXX XXXX today, XX/XX/XXXX at XXXX 7. I learned the below additional details : = Name of account holder : XXXX XXXX ( MY NAME AND MY SOCIAL SECURITY # ) = Company owed debt : XXXX XXXX XXXXXXXX = Phone : XXXX = Account Opened XX/XX/XXXX and closed XX/XX/XXXX = Account Number : XXXX = Address of Account : XXXX XXXX XXXX XXXX XXXX XXXX, CA = Reason Of Collection : Electric Bill Not Paid. A payment was made on the bill but not the full balance so it went into collections 6. I called XXXX XXXX XXXX XXXX which I pay for the service for identity protection to assist 7. Phone for XXXX XXXX XXXX XXXX : XXXX XXXX. They advised to file this report and a police report while I wait for one of their representatives to contact me and advise further
Product: Credit card or prepaid card

These accounts are reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 
CAPITAL ONEXXXX {$320.00} CAPITAL ONE-XXXX-Balance {$430.00} CAPITAL ONE BANK USA N-XXXXBalance {$320.00} CAPITAL ONE BANK USA N-XXXX-Balance {$140.00} CAPITAL ONE BANK USA-XXXXBalance {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a car loan open in my name that I didnt approve of nor knew about. XXXX XXXX XXXX keep saying these inaccurate charges belongs to me. Someone stole my identity and opened a account. There are fake bank statements that i never approved of nor knew a account was opened with XXXX XXXX they said their is a payment arrangement that was set up but I never sat up a payment arrangement and it must be there employees trying to force me to make a payment to them on a fraudulent account.
Product: Debt collection

I received a call from this debt collector and was told I owed a person money. I requested they send proof. I received something Word document. I dont ever recall owing this individual anything. They can not produce proof but a piece of paper with my name and someone elses signature. They cant even verify my social security number. 

I now have a collection on my credit report from this company. I need help to clear this as it has a negative impact on my score.
Product: Checking or savings account

I deposited a check to my checking account that was from an accident that I had. When I deposited the check XX/XX/2023, the bank restricted my account and I could not access funds that were already in there until the check cleared. The check cleared on XX/XX/2023. But my account is still being restricted, I can not access my funds and the check funds or use my debit card. They said they needed to contact the insurance regarding the check. I gave them a phone number and they said that it wouldn't work and that they would not unrestrict my funds even thought he check has already cleared.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX Account Number XXXX My data was affected by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX XXXX XXXX Account XXXX My data was affected by the XXXX XXXX breach XXXX resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC.
Product: Debt collection

I sent a letter to Credit Service Company requesting that they validate NOT verify a debt that they are attempting to collect from me in the amount of {$130.00}. I specifically asked for a signed and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation ( complaint # XXXX / XXXX / XXXX ). I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX ). 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX an account was opened with Westlake Financial Services , with me as a cosigner to this auto loan. 

2.The respective owner of the car made payments from XX/XX/XXXX - XX/XX/XXXX. 

XXXX. The account was deemed 30 days late on payment on XX/XX/XXXX, followed by a " Repossession '' status from XX/XX/XXXX - XX/XX/XXXX, then to a " Charge Off '' status from XXXX Current.

4. On the first week of XXXX of XXXX, I had received a letter from XXXX XXXX and XXXXXXXX XXXX XXXX XXXX representing said company reaching out to me to with a claim that Westlake Financial Services filed against me. 

5.Assuming, they reached out to both me and the primary account holder to get the debt taken care of, I believe I was the only one to reach back out to actually settle the account. 

XXXX. With the negative impact this account made on my creditworthiness as an individual all around, I contacted the law office back and we've come to an agreement to settle the account for less than what it was owed from {$3500.00} down to {$2600.00}. 

XXXX. I set up an online account to pay {$74.00} monthly for 36 months to satisfy the account. I however took 10 months to satisfy the debt and pay it off. The date of the last payment was XX/XX/XXXX to which I made a call to the law office in the amount of {$1800.00}. 

XXXX was informed that a letter of satisfaction would be sent to me and expect to receive it within 7 business days. When that was not the case and did not receive said letter within the allotted time frame, I had to contact XXXX XXXX and XXXX again to request the letter be sent out to me. I finally received the letter with it dated on XX/XX/XXXX. 

9. Now I have been trying to contact Westlake Financial Services in regards with them still reporting the account with a balance, when it was obviously settled and paid, it should've been closed on their end with a {$0.00} balance. Every time i call them, I get transferred to their litigation department, where even then they still have limited information on how they can help me. They say i should receive a " call '' from their attorney, but I still have not received any kind of contact from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstly the whole reporting needs to be updated as information is not accurate throughout the month. 

If Ive made payment, it should be immediately reported to credit bureaus so as record can stay consistent. 

XXXX XXXX HAS BEEN CLOSED, the information should show {$0.00} balance as those charges were residual interest which Im not responsible for- if reporting were done at time of payments my record would show this. 

XXXX XXXX is on Suspension- will be contacting to request removal of interest or will close account. 

I believe correct reporting same day would be improvement and to the advantage of clients. I suggest a mid month and an end month reporting cycle -would be more accurate information
Product: Student loan

On XX/XX/XXXX I mailed a letter to Great Lakes stating that I can not afford payments of {$130.00} due to my current financial hardship. I told them I could only afford to pay at least {$75.00}. They responded back with a letter stating that they are unable to make any changes to my account and that I have to stay with my payments of {$130.00}. I then filed a compliant with them and I was told the same information that I have to keep my monthly payments at {$130.00}. On XX/XX/XXXX I mailed them a letter stating that my financial situation has not improved and that I need to stop my payments until I can afford them, which will be in the next year or too. I am trying my best to communicate with Great Lakes but they are no help to my financial situation at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Portfolio Recovery ( PRA ) disclosed the date of last activity on the account from the Original creditor. The PRA can only report the account 7 years from the date of last activity. PRA have exceeded the statute of limitation in my state. I am simply asking the PRA method of verification as how PRA is determining the date of last activity. I am request the last day of PRA credit reporting as determined by FCRA. PRA wil not disclose or validate the date of last activity. I want to settle this account if is completely validated. I am a disable on a fixed income.
Product: Student loan

Navient has been calling me multiple times a day and also attempting to contact third parties about a debt. They've been emailing and calling me at work. They've been calling my children 's cell phones, they've been calling my mother. 

On XX/XX/2023 I sent a certified letter requesting that they only contact me in writing at my mailing address. I also requested a copy of the signed promissory note on the loan. A representative from Navient received my written request on XX/XX/2023. Since that date, they have continued to call various phone numbers associated with my name and sent various emails to email addresses associated with my name. This is in clear violation of The Fair Debt Collection Practices Act. 

I do not acknowledge this debt and dispute it.
Product: Credit reporting or other personal consumer reports

Well I signed into my credit card account. And found the following companies reporting on my XXXX report and XXXX report : XXXX. XXXX XXXX XXXX XXXX. Lvnv funding LLC 3. Lvnv funding LLC 4. XXXX and associates Apparently these companies which are reporting their tradeline against my XXXX and XXXX reports are collection agencies. I have attempted multiple times to get these collection agencies to verify the debt. None of them can provide me physical documentation that I owe any debts. 

All these companies are reporting as original creditors on my transunion and XXXX reports when they are clearly collection agencies. None are able to provide me with any proof of debt. I have never entered any contract or financial business with these companies. Again they are collection agencies not creditors. But they are reporting on my credit reports as creditors.
Product: Credit card

I must inform you that I have been a victim of identity theft. I am disputing the following accounts as they were opened without my knowledge, consent, or authority. Upon contacting the respective companies, I was advised to file the FTC affidavit available on the website XXXX 
XXXX XXXX XXXX XXXXXXXX.
Product: Payday loan, title loan, or personal loan

I made arrangements with the University of XXXX, XXXX XXXX, to pay my tuition in 4 monthly payments. Due to a medical emergency that required hospitalization and on-going treatments, I was not able to make those payments. The debt was turned over to XXXX XXXX XXXX. They sent me a letter on XX/XX/2018, with a Special settlement offer approved by UNIV OF XXXX XXXX. However, there was no amount listed. I sent them a letter asking for a written document with the amount of the " Special settlement offer '' at which time I would send them a check. I will not talk to them over the phone and/or make a payment over the phone. I need a demand letter and I will send them a check so that I have proof that the debt was paid. To this date, they have refused to send me that demand letter.
Product: Debt collection

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue. 
_____________________________________________________________________________________
Product: Debt collection

I have debt collectors requesting payment me as a result of identity theft : - Convergent Outsourcing Inc - ACC # XXXX - BALANCE - {$3200.00} - OPENED XX/XX/19
Product: Credit reporting or other personal consumer reports

The bank keeps using incorrect account information in regard to given name and charging, I, as XXXX XXXX ( XXXX XXXX ) or XXXX when I was given an indivisible name XXXX XXXX ( XXXX XXXX ) from XXXX with a perfect credit score ( tax classification ) that is indivisible as well and the account doesn't reflect tax classification, I, being given a perfect indivisible credit score. Than from application an error to include a middle name which isn't apart of my identification card used to aquire account I believe is blocking services promised to I by US Federal reserve banking institution in a perfect and indivisible credit score for bank to write off stuff as tax write offs.