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

On XX/XX/2018. I pulled my XXXX credit report showing my Volkswagen Credit account for my XXXX XXXX XXXX still seems to show open on my XXXX Credit Report. A comment was placed on the account that reads " account payments managed by a financial counseling program ''. This is a fraudulent comment that has been placed on my XXXX report as no payments are being managed by a counseling agency. On my XXXX  & XXXX report, the account shows closed & paid off. I have been trying to resolve this with XXXX for over 2 years, and they always come back saying Volkswagen has verified the account has still open. XXXX continues to violate the FCRA and keep this account open. Volkswagen Credit has not verified this account correctly.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that ififormation that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately. 

XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Debt collection

Repeated phone calls with no answer. I called the number back and recording says Kohls Credit. 

Call each day range from 3-10, almost every hour. 

Currently have XXXX XXXX XXXX handling pay back to my accounts due to my recent illness. 

These need to stop.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report due to a data breach. In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these unauthorized entries be removed permanently. The following accounts and inquiries are not authorized by me and are the result of identity theft : Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1500.00} XXXX - XXXX - XX/XX/XXXX - {$24000.00} FIRST PREMIER BANK - XXXX - XX/XX/XXXX - {$1500.00} FIRST XXXX BANK - XXXX - XX/XX/XXXX - {$570.00} MACYS/CBNA - XXXX - XX/XX/XXXX - {$450.00} XXXX - XXXX - XXXX XXXX, XXXX - {$530.00} SELF FINANCIAL/LEAD BA - XXXX - XX/XX/XXXX - {$530.00} SELF/ATLANTIC CAPITAL - XXXXXXXXXXXXX - XX/XX/XXXX - {$530.00} SYNCB/BRANDSMART - XXXX - XX/XX/XXXX - {$250.00} SYNCB/OLD XXXX - XXXX - XXXX XXXX, XXXX - {$300.00} XXXX XXXX XXXX - XXXX XXXX, XXXX - {$660.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} FEDERAL XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX CARD SERVICES- XXXX - XX/XX/XXXX - {$00.00} LEAD BANK - XXXX - XX/XX/XXXX - {$530.00} XXXX LOAN SERVICIN - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XXXX XXXX, XXXX - {$00.00} SUNRISE BANKS XXXX XXXX - XXXX - XXXX XXXX, XXXX - {$00.00} SYNCB/BRANDSMART - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$5200.00} XXXX XXXX CARD SER - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$24000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$570.00} SELFINC/LEAD - XXXX - XX/XX/XXXX - {$530.00} Inquiries : XXXX - XXXX XXXX, XXXX XXXX - XX/XX/XXXX FACTUAL DATA - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX FCU - XX/XX/XXXX XXXX FCU - XX/XX/XXXX ALLY FINANCIAL - XX/XX/XXXX ALLY FINANCIAL - XX/XX/XXXX XXXX XXXX ACCE - XX/XX/XXXX 2024
Product: Debt collection

National credit systems refuse to provide any information stating that I owe a debt. Refuse to provide any judgment against me. I have been disputing it, and it keeps coming back as verified on XXXX, XXXX, and XXXX, with no evidence that this is my debt.
Product: Debt collection

Claimed my debt is XXXX dollars when in fact my debt was closed by the credit card company at XXXX. Pressured me into paying with 5 hours or they were taking me to court and putting a judgement on my credit report. I expressed to them I had no knowledge of the debt and today was the first I 've heard of such debt. They refused to disclose any information regarding the debt. Statements and also gave me wrong dates as to when the credit card was opened and closed. Making me think this debt was newer than it actually was. Told email I would n't be able to take out a mortgage loan if I did n't pay today. I called chase bank and verified all information which was wromg. They told me they were authorized by chase bank to pull my credit report but chase bank told me that they can not do that. They illegally obtained a copy of my credit report and used it against me.i felt bullied and pushed into a corner. I would have paid this bogus debt if it was n't for my gut instinct. ATTACHED you will fined the final bank statement from. CHASE bank with the original close debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke to a representative at Comenity Capital Bank/Alphaeon Credit on numerous occasions to update my balance to ALL 3 Credit Bureaus , which should be {$0.00}. I paid this credit card account off on XX/XX/2023. This creditor refuses to report my updated {$0.00} balance and as of XX/XX/2023, all 3 credit bureaus are still showing that I have a balance of {$2300.00}. 

This has caused my credit score to remain stagnant and my utilization percentage to reflect more negatively. This also causes me to not qualify for a fair percentage rate when buying a home or vehicle. 

This creditor needs to immediately update my balance with ALL 3 credit bureaus to reflect a {$0.00} balance with ALL 3 credit bureaus. I also need this creditor to have ALL 3 bureaus reflect that this account was paid off in XX/XX/2023 and not the date of correction.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXXXXXX XXXX XXXXXXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing BELOW IS everything I sent to all 3 credit bureaus they still placed this child support on my credit report : 1. Transunion 2. XXXX 3. XXXX 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Federal Code 15 U.S.C 1681 ( 2 ) ( a ) ( I ) ( 2 ) Exclusion Of All Transactions Federal Code 15 U.S.C 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. CRAs need written instruction to make a consumer report by the consumer. 

Federal Code 42 U.S.C 1301 ( d ) ( d ) Nothing in this chapter shall be construed as authorizing any Federal Official, Agent, or Representative, in carrying out any of the provisions of this chapter, to take charge of any child over the objection of either of the parents of such child, or of the person standing in loco parentis to such child. 


15 USC 1681 Section 604 ( a ) ( 2 ) : Also states a consumer reporting agency can not furnish an account without my written instructions under : 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

( THIS IS ON TRANSUNION WEB SITE ) ***Important Notice*** Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted Case Law : Kevin D. Miller v. Trans Union LLC , Experian Information systems , Inc. and Supportkids, Inc. , Case 1:06-cv-02883, 2/28/2007 ( N.D. Illinois ) ; Kenneth McCready vs. Linebarger Goggan Blair & Sampson, LLP , et al. , Case : 06 C 4884, 8/15/2007 ( N.D. Illinois ), Maria E. Pintos v. Pacific Creditors Association , Experian Information Solutions , Inc., No . 04-17485, D.C. No . CV-03-05471-CW, 9/21/2007 ( 9th Circuit Court of Appeals ). 

I DID NOT GIVE ANY CONSENT ; THIS IS IDENTITY THEFT
Product: Debt collection

MRP BPO is a collection agency for a XXXX  Internet account. I have resolved this matter before as to which the debt is connected to a fraudulent apartment that was at XXXX XXXX XXXX XXXX XXXX XXXX, TX. They bought this debt and now contacting me for collection. I want this debt to be removed and to which my information has been compromised due to the XXXX data breach. I have notified the XXXX, TX police department report no XXXX. I have notified them however they will not respond
Product: Prepaid card

I got a prepaid card for a settlement and when I got the virtual prepaid card I ordered a physical card it came in the mail but when it came n the mail it wasn't in a envelope so when I went to the website I seen purchases where made on my account I didn't make i disputed the transactions they denied my dispute said that they found inconsistency n my claim I asked how they also showed me the invoices to the places the purchases where made at but nothing else that's not proof that's just a invoice showing purchases were made well duh I don't need proof purchases where made what I need is my money back n proof I made those purchases which I didn't I even offered up access to my camera footage to show no trucks delivered anything to my house my footage lasted a month on the cloud and they said they didn't need it I have all emails case number XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Resolution of Credit Report Inaccuracy Dear [ XXXX XXXX XXXX  ], I am writing to formally inform you that I have previously reported an inaccuracy

on my credit report regarding a eviction that occurred last year. I have been residing at my current address since 2013 and have provided all necessary documentation, including rental payment history and my lease agreement, to support my claim. Despite taking all the required steps to rectify this issue, the eviction remains on my report, significantly impacting my ability to secure housing. This situation has caused me considerable stress and embarrassment, as I continue to face denials from property management companies. I urge you to review my case again and take immediate action to remove this incorrect information from my credit report. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/2022 Called to demand deletions because the bureaus did not have consent and was hung up on. Told I was going to be transferred and was hung up on again.
Product: Money transfer, virtual currency, or money service

My complaint is with M & T and their lack of communication and disclosure.. Hudson City Bank and M & T Bank , merged XX/XX/XXXX ... .to date, I have not received ANY information from them as to the process of which determines when I should receive my frozen assets currently with XXXX XXXX XXXX . XX/XX/XXXX I previously submitted a complaint ID # XXXX XX/XX/XXXX Received a written response from M & T Bank indicating they have sent out a communication letter dated XX/XX/XXXX ( they did not send me a copy of that letter, but only provided the date ). I never received this so called letter. I asked other former Hudson City employees and they did not receive this letter as well. The letter stated that M & T had filed an application for termination to the IRS ( dates were not given ). Once the termination has been approved by the IRS, benefits will be distributed as soon as administratively possible. I have enclosed all documents pertaining to my complaint, which was sent to me dated XX/XX/XXXX. ( as per the letter, if I had questions, I can reach out to XXXX XXXX @ XXXX I called XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX with no voicemail to leave messages, the phone continuously rang and rang. I called the IRS, XXXX XXXX, ( Special Services ) XXXX. he said that I have to call M & T Bank as he shows the application was approved and they are the party to release the funds in XX/XX/XXXX. I thought to call XXXX XXXX XXXX XXXX, to check to see if the funds have been released without me being advised. The woman I spoke to explained that it is still frozen, and M & T should be the party to release them. There are several hundreds of former Hudson City Bank  employees awaiting the same. This is utterly ridiculous that the left hand does n't know what the right hand is doing??? It has been almost a complete 19 months since the M & T vs. Hudson City merge and several hundreds of us do not have a clue as to when we may expect M & T to release our money!!!!!! I am requesting CFPB mediate, as this has fraud written all over this. M & T must be out of compliance as more than 20 people I have spoken with have not received any information regarding our entitled money.
I can be emailed : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent my letter out on XX/XX/XXXX to XXXX, Transunion, XXXX. Here is my tracking numbers : XXXX - XXXX - XXXX However its been more than 15 days and the credit bureaus failed to respond. 

RE : XXXX XXXX I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that accounts : ( XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX ) were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. The have also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not finish an account without my written instructions. 
I havent given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting or other personal consumer reports

The accounts listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 
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 or other personal consumer reports

The credit bureaus stated my account was properly investigated! But how is that if the open date is Inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This grounds for removal! Also violating my rights under code 15 U.S.C 1681 section 602A stating I have the right to privacy.

Code 15 U.S.C 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card

15 U.S. Code 1691 ( a ) ( 3 ) - it is unlawful to discriminate in any aspect against anyone who exercised their right in good faith. Credit is the right granted under title 1602 ( f ).

Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and have reason to believe and do so believe I have been wrongfully discriminated against by American Express Bank, as seen in the supporting documents, violating 15 U.S. Code S 1691 ( a ) ( 3 ).

American Express Bank ran my credit report and accused me of not paying one or more of my bills on time when in fact I have a 100 % payment history with all credit bureaus, EXHIBIT A. After uploading bank statements in the requested format, American Express alleges that the bank account was not in my name, EXHIBIT B.

Further, American Express claims have had too many inquiries in the last 12 months, when in fact, there were on two ( 2 ) inquiries on each bureau at the time of the application, for a total of 6 inquiries evenly distributed among experian, XXXX and XXXX, EXHIBIT C. 

American Express discriminated against me by taking my social security number and not processing my application in fairness, accuracy or consistency.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct # XXXX  XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX, Acct # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXXXXXX, Acct # XXXX XXXX XXXX Acct XXXX XXXX, Acct # XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S. C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-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.
Product: Credit reporting or other personal consumer reports

CEASE AND DESIST UNAUTHORIZED USE OF XXXX XXXX : XXXX & XXXX. UNAUTHORIZED USE CONSTITUTES INFRINGEMENT AND WARRANTS COMPENSATION. YOU ARE TO REMOVE THE OWNERS MARK FROM YOUR RECORDS FOR IMPROPER USE OF MARK. YOU ARE HEREBY GIVEN TEN ( 10 ) DAYS TO RESPOND. SEE ATTACHED STATEMENT FOR ARBITRATION.
Product: Student loan

I have several student loans totaling {$17000.00} with Navient and my co-payer 's ( Parents ) paid one off in full {$5000.00}. 
My father co-payor called Navient on or about XX/XX/XXXX to inquire about any easy payment plans or deferred payment plans or income based loans. The call was recorded as they stated. 
I was advised by their customer service unequivocally there were no programs to help me repay he loans just pay the loan. 
Now I find out they should have helped me. 
My income was {$12.00} per hour and they could care less and offered no help on repaying this private loan. 
I would like to be included in the lawsuit due to their lies and no help. 
I have federal loans totaling {$63000.00} also who deferred payments until XX/XX/XXXX and payments will be based on my income, which is what Navient should have done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I made my final payment on a charge off account. On XX/XX/2018 a failed to pay was still reported to XXXX credit report. I filed 2 disputes and capitalone still refused to remove the failed to pay for XXXX. I received monthly failed to pays for over a year before XX/XX/XXXX even though I made monthly payments. This affects your credit adversely every month u lose points.
Product: Debt collection

Identity stolen a while ago, and police reports were sent to XXXX and collection agency to stop collection on an account that was opened in my identity. 1 year later and they are still putting collections in my credit reports dropping my score even though I have proof I faxed them police reports to stop.
Product: Prepaid card

Im a victim of identity theft, Ive had more than one claim, why do you keep saying its a duplicate claim but we resolved the others, and but XXXX told me it was more money that they issued me so Im opening up new claims that have evidence and need to be looked over
Product: Consumer Loan

We went to buy XXXX cars, and the dealership said they would run our credit once and share the info with the lenders. There were XXXX companies that hit my credit twice 10 days apart. XXXX and Wells Fargo Dealer hit my credit on XX/XX/XXXX and again on XX/XX/XXXX. How do I get the second hit removed?