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

To my shock, I found incorrect accounts on my credit report this evening, and I have no idea how they ended up there. I check my report regularly, and everything was fine until now. I tried refreshing the page, thinking it might be an error, but nothing changed. Im really disappointed, and Im requesting a thorough review of the documents I submitted so I can feel reassured that this issue wont happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to respond
Product: Credit reporting or other personal consumer reports

XXXX XXXX  answer : My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft when my wallet was stolen from my vehicle including my social security card, ID, and other personal item, then later used to open fraudulent credit card, personal, and auto loan accounts in my name. On XX/XX/XXXX, I reviewed my 3 credit reports and found items which I did not open and that did not belong to me. I realized that I was the victim of identity theft and proceeded to file an Identity Theft Report with the FTC, as well as contact Equifax notifying them of the Identity Theft, and that they were holding inaccurate data on my report in the form of the fraudulent accounts, and fraudulent inquiries. Equifax has not responded to my letter, or FTC Identity Theft Report as of yet which was sent certified mail, nor have they removed the inaccurate items. I am including both the FTC Identity Theft Report that I filed as well as the letter that I sent to them detailing the Identity Theft and accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit and notice an account that was showing up as a charge off. I knew this was inaccurate, so I sent XXXX XXXX a letter to investigate this back in XXXX of XXXX. With their investigation they updated the account and removed the balance they were reporting, as well as they sent me a refund check on that loan ( which was the same amount that they showed I owed. ) So obviously it was inaccurate. Then I sent a letter in XX/XX/2022 to TRANSUNION to investigate the account because TRANSUNION is still reporting it as a charge-off in the payment status. There has been no update, no investigation and this error is harming my ability to finance a home. The account was never charged-off. I have included The letter I sent to them, a copy of the check they sent me for the refund, and the copy of letter I sent to TRANSUNION. 
A PROPER INVESTIGATION, NOT JUST VERIFYING THAT THE NAME AND ADDRESS MATCH, THE ACCOUNT IS REPORTING CLOSED, SO DO NOT RESPOND WITH WE VERIFIED THIS ACCOUNT AND THE ACCOUNTS REPORTING CORRECTLY .... BECAUSE IT IS NOT REPORTING CORRECTLY.
Product: Credit reporting or other personal consumer reports

I recently submitted a request to block my accounts however, it appears that this requesthas not yet been processed.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/2022 I, XXXX XXXX a federally protected consumer was violated by NAVY FEDERAL CREDIT UNION. On XX/XX/2022 I applied for an {$82000.00} auto loan but instead of being approved I was given the choice of a counteroffer of my initial request in the amount of {$60000.00} or I would have to add another navy federal member to my loan application to get approved for the {$82000.00} because of my income ; I denied the offer and explained to the loan manager that taking adverse action with my credit extension application was a violation of The Equal Credit Opportunity Act [ 15 USC 1691 ( c ) ] because I am not in any credit assistance programs authorized by law or administered by a nonprofit organization nor am I an economically disadvantaged person. No where in the Equal Credit Opportunity act does it states that a consumer can be denied for income. The loan manager was not familiar with The Equal Credit Opportunity Act so he did not know what I was referring to when I stated these laws. I sent out a Violation of The Equal Credit Opportunity Act letter to Navy Federal Credit Union on XX/XX/2022 awaiting response.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Violation of 15 U.S.C. 1681b ( e ) ( 6 ) by Equifax and XXXX To Whom It May Concern, I am filing this complaint regarding inaccurate and unverifiable information on my consumer reports and the failure of Equifax and XXXX to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( e ) ( 6 ). 

Details of the Issue : 1. I submitted a dispute to all three major consumer reporting agencies ( CRAs ) XXXX, Equifax, and XXXXregarding inaccurate and unverifiable information on my consumer report. 

2. Following my dispute, XXXX deleted the unverifiable information. However, Equifax and XXXX failed to take the same action, leaving conflicting information on my consumer reports. 

3. Under 15 U.S.C. 1681b ( e ) ( 6 ), CRAs are required to maintain a joint notification system to ensure maximum possible accuracy and consistency in consumer reporting. The failure of Equifax and XXXX to update or verify this information demonstrates a lack of reasonable procedures to ensure compliance with this obligation. 

Harm Experienced : The conflicting information on my consumer reports has caused confusion and resulted in financial harm on multiple occasions from being denied loans as well as missed employment opportunities, and denial of credit, as creditors rely on inaccurate reports when making decisions. 

Relief Requested : 1. I request that Equifax and XXXX investigate the discrepancies on my consumer reports, verify the information, and update or delete any unverifiable or inaccurate data to align with XXXX actions. 

2. I ask for CFPB oversight to ensure that Equifax and XXXX comply with the FCRA and maintain reasonable procedures to ensure a joint notification system as required under 15 U.S.C. 1681b ( e ) ( 6 ). 

3. I seek confirmation of corrective actions taken and assurance that Equifax and XXXX will implement measures to prevent such inconsistencies in the future. 

I trust the CFPB will address this matter promptly to protect my rights as a consumer under the FCRA. Thank you for your attention to this issue.
Product: Debt collection

This collection company is but a multiple number of agencies used by XXXX XXXX XXXX XXXX to collect an alleged debt that is very old based of the letters and credit reports I have. This complaint is related to this company and this complaint. XXXX here on cfpb Consumerfinance.org This written letter should also serve as notice I dispute this alleged debt in its entirety. I am disputing this debt to Phoenix Financial Services LLC dba XXXX XXXX XXXX XXXX. I wish not to be contacted by phone at any phone number, as phone conversations are very inconvenient for me. I wish only to be contacted by letter. XXXX XXXX XXXX has been notified through their agents of my verification requests and my desire to have no contact by telephone. I believe their bouncing of this alleged debt to multiple agencies is their way of skirting their requirements of validation and requirements to cease phone contact. All information provided to me so far has been nothing I can use to verify I owe anyone a debt.
Product: Checking or savings account

My bank account was frauded and all my school money stolen 2 times one of the times I was in XXXX I sent them a letter of XXXX however they refused to refund anything closed my account marked me fraudulent or something I've been unable to get any type of banking since. I also had credit building account insert up on XXXX tablet with them, they had software issues for the XXXX XXXX chime banking app, I was unable to check balance and overspent. I told them about issue and they refused to acknowledge the situation as their problem however they removed the app from XXXX store. This all happened in the same year I became homeless and still am on streets due to their noncompliant banking practices. They made fun of me after I was XXXX XXXX XXXX XXXX XXXX I was given run around for months on the school money refund then told account was closed no longer able to get refunded even though I filed police report showed letter of XXXX showing that no way possible could I of called bank and set up card with pin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold a car, a  XXXX   XXXX , several years ago. The car is no longer owned by me or anyone that I know. It was purchased sometime in around  XXXX  or  XXXX ,  XXXX , in  XXXX , VA. I sold it in  XXXX ,  XXXX , in  XXXX , TX. I no longer have any records for the vehicle. The only information I have is a loan number that shows up on my credit report. When I applied for a loan to construct a new home, the bank asked about it. I reported it to the bank and to credit reporting agencies as an error, a closed transaction that should not appear on my report in  XXXX ,  XXXX . I respectfully request your assistance in having that  XXXX  Loan acct taken off my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following items are inaccurate please remove:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$27.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$27.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 15 U.S. Code 1681e ( b ) Accuracy of a Report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts [ FREEDOM TRCKS - ACCOUNT # XXXX ], [ XXXX / XXXX - ACCOUNT # XXXX ], [ FREEDOM TRCKS - ACCOUNT # XXXX ] Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate. 

[ WC / KOALAFIL - ACCOUNT # XXXX ] Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Original balance is not being reported correctly, Past Due amount is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate.
Product: Credit card or prepaid card

To Whom It May Concern : I have made all the payments and more to Bank of America. They have falsified the reporting to the credit agencies, closed my account and hurt my credit. 

I have showed them in their own emails and website that I have paid. They still don't believe me. They said I need to see them in your checking account. I am trying to get the statements and try to show them. Meanwhile they have closed my account and caused harm. 

This along with many other banks is the most dysfunctional bank I have ever dealt with. I need your help to have them restore the account and restore my credit with the credit agencies.
Product: Credit reporting or other personal consumer reports

i notice fradulent account and inquires on my account. these occurred recently transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Purchased a vehicle from XXXX XXXX XXXX which is out of business, from what i recall the dealership stated I had warranty and gap coverage, according to Westlake Financial who purchased the account from Vehicle Solutions stated there wasnt any warranty or gap coverage, Ive asked for a copy of the contract still havent received it, always get transferred or hung up on, and cant never get around to explaining an situation or asking questions. nevertheless the car was voluntarily surrendered. Looking over my credit report Westlake Financial has reported inaccurate information regarding payment history and balance owed to both XXXX, XXXX, and XXXX. Payments were never 30 days late, and also from the payment history the account shows charged off with a XXXX  balance, but shows on the credit bureaus as XXXX XXXX balance with a past due balance XXXX  XXXX.
Product: Credit reporting 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. 

XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's stressing me out and those negative items are already old but still reporting on my credit.
Product: Student loan

I will retire in XXXX, but Navient ; due to their charging me INTEREST ON CAPITALIZED INTEREST, will cause my student loan payoff at end of XXXX ( 7 years later )!! THIS CAN NOT BE LEGAL! I have seen there is a Civil CLASS ACTION Suit Against Navient. I WANT to be part of this Lawsuit!
Product: Mortgage

I have contacted Loancare LLC several times and sent written correspondence asking them to review my Escrow and adjust to accurately reflect my property taxes. Loancare can not connect me directly with an Escrow department representative. So, their approach is to " send an E-Mail ''. This has resulted in No action. I have a surplus that should also be refunded to me. Their customer service representative fails to ensure that my request is being escalated - they did not even have a record of a conversation from a previous call where they said they would escalate this issue to the escrow department. This lack of support is an accurate reflection of ALL the complaints logged against Loancare LLC. This is a pathetic and incompetent organization.
Product: Credit card

I requested information from this creditor on ( XXXX I have yet to receive anything.

Please have this company upload the following documentation.

All billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E allocation of payment.
Product: Credit card or prepaid card

In XXXX I applied for and received a BJS Mastercard from Comenity Bank but because the interest rate was so high I never activated it. At the time I also applied for, paid and received a BJs membership and I used the membership in XXXX only. 

Because I never activated the card, I didn't think a new charge for membership could be added to that card so I never checked notices from BJs until XX/XX/XXXX. I called BJs and Comenity to straighten this out several times saying I never activated the Comenity Mastercard so how could a membership be charged. I told them I had lost the card and if they would send me a new one, I would get a membership. They sent a letter saying they could not validate my address so I couldn't get a new card. 

I called again and told them to cancel everything. Comenity had ruined my credit report saying I defaulted on payments and kept charging me fees. Now my balance was {$180.00} for a credit card and membership I did not have or want. 

From XX/XX/XXXX until XXXX XXXX I made at least 5 calls and was  assured my balance would be wiped out and the card discontinued. Although I do not want this card, I am not sure they have discontinued it and on XX/XX/XXXX I again received an invoice with a balance of {$85.00} which I have paid out of fear that my credit report would continue to tank. 

I also sent a letter to Comenity stating I wanted to contest the fees and in response they said it had been taken care of. 
I am XXXX years old and have had credit and mortgages for over 40 years and have never defaulted! 

I have been very upset over what was originally a {$55.00} membership I told them I did not want and have never used either the BJs membership or the Comenity mastercard. 

Can you help? XXXX Thanks
Product: Debt collection

On XX/XX/XXXX I received notice from Levy Law Firm Co. , LPA ( debt collector for XXXX XXXX ) that I owe a balance of {$7800.00} from XXXX XXXX which significantly affected my credit file including my credit score and credit report as a charge off. Due to this fraudulent, inaccurate, and unverified debt, my credit score went from XXXX to now XXXX. I requested debt validation on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from Levy Law Firm Co. , LPA but was never provided the proof that I owe the debt ; yet they continued to report unverified information to all three ( 3 ) credit bureaus. I recently received a letter from Levy Law Firm Co. , LPA on XX/XX/XXXX with a Warrant in Debt stating that they are taking me to General District Court if I do not pay the balance five  days prior to the courts return date. This is a clear violation of FDCPA ( 809 b ) as they have never provided me with debt validation that was requested 30 days of the collector 's written notice. See Exhibit A for the three ( 3 ) letters sent out to Levy Law Firm Co. , LPA along with their recent letter sent to me on XX/XX/XXXX. 

It is now XX/XX/XXXX, and as of today according to my most recent XXXX credit report, this debt balance of {$7800.00} still appears as a charge-off even without proper validation and recent threats to take me to civil court. 

You will find attached my Notice of Rescission authenticated and sealed by the Secretary of the Commonwealth along with my Hold Harmless agreement also authenticated and sealed by the Secretary of the Commonwealth.- Exhibit B Levy Law Firm Co. , LPA has failed to provide me a copy of ANY original documentation signed by me and is refusing to have this removed from my credit report. This account currently remains as a charge off on my credit file.
Product: Debt collection

Since XXXX, these items have been on my credit report and have robbed me of my financial freedom and have resulted in increased interest rates and expenses unfairly to me. For many years I have responded phone calls to provide proof of ownership, with no responses. 

Recently, from XX/XX/XXXX until XX/XX/XXXX I have written letters to these creditors and credit bureaus to remove the false information from my credit report. They have either not answered or have said that this was verified as accurate with out providing my signature, full account numbers or providing proof that these were my accounts. 

XXXX XXXX  allege I owe {$2500.00} XXXX XXXX XXXX XXXX  allege I owe {$5200.00} XXXX allege I owe {$9600.00}
Product: Debt collection

I am not married, I am a single mother of XXXX ... I have a couple of debts that Portfolio Recovery Associates , LLC have called regarding ... They have called my boyfriends parents multiple times trying to get in touch with me and Saturday, XX/XX/XXXX, they gave my boyfriends father my debt information, when they debt incurred, along with the current balances as well as willingness to settle the debt ... I received my first notice this last week from this place and they had absolutely no right to embarrass me with my boyfriends parents ... My personal financial business is not anyone 's concern but my own ... I am completely humiliated ... I would have been willing to call them this morning, however, now I am so angry I do n't want to call and make a scene ... My debt should have been discussed with me and me alone!! ACCOUNT NUMBERS XXXX AND XXXX
Product: Vehicle loan or lease

I currently have an auto loan with Avid Acceptance. I made two payments in the month of XX/XX/2023 ; I paid {$500.00} on XX/XX/XXXX over the phone with XXXX XXXX, and I made another payment on XX/XX/XXXX in the amount of {$350.00} ( not including the {$7.00} processing fee ). These payments are not reflected on my online account. It's showing that the last payment was made in XX/XX/2023, which is incorrect. I have reached out to several representatives via email ( which I have attached ) and I have not received a resolution to this matter. Yes, my payment history has been sporadic lately but as I explained to them I am currently homeless, and I paid {$850.00} last month and agreed to come up with over {$700.00} this month to get this account caught up. I receive daily emails regarding my account. The last email I received from XXXX XXXX was today, XX/XX/2023, and all she did was apologize for it not showing accurately on my end, but stated that it is showing correctly on their end. She offered to send me a print out of my account history, but I'm not accepting that because I have no idea if this with be something randomly typed up by Avid Acceptance. They are more concerned about obtaining more money from me as opposed to ensuring that the balance online is correct. So right now I have inaccurate data as far as my loan balance, pay off amount, etc., and I do not feel comfortable paying them any more money until this issue is resolved and will not do so. I look forward to a swift resolution to this matter.