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

I am writing to formally dispute the accuracy of the information being reported on my credit report regarding the XXXX XXXXXXXX XXXX account # XXXX. The reported last active dates differ between the credit bureaus, with Experian showing XXXX and both XXXX and XXXX showing XXXX. I have reason to believe that this information may be inaccurate. 

Request for Validation : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information to the credit bureaus. Given the discrepancies in the reported last active dates, I am requesting that this account be validated to ensure that the information being reported is accurate.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : If this account information is being reported inaccurately or without proper validation, it may also be a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. Additionally, 15 U.S.C. 1692g requires that any debt being reported must be validated and verified.

Request for Immediate Action : I am requesting that you conduct a thorough investigation into the accuracy of this account and provide validation of the debt. If the account can not be validated, I request its immediate removal from my credit report. Additionally, please provide me with an updated copy of my credit report reflecting any corrections.
Product: Vehicle loan or lease

I began an auto loan with Huntington for my XXXX XXXX in XX/XX/XXXX. My monthly payment was {$390.00}. At the time my monthly income was around {$4500.00}. 

In XX/XX/XXXX I was laid off due to the Covid-19 pandemic. For a while I was able to make payments on the loan with my unemployment allowance. I found a job finally in XX/XX/XXXX and I took a pay cut of over 50 %, I now take home about {$2000.00} before taxes per month. I simply can not afford all of my bills. 

My grandmother ( who is a co-signer ) and I requested a hardship modification to the loan in XXXX. We were expecting a large monthly payment discount, or an interest rate reduction. We were very disappointed with the companies response. They offered a monthly reduction of {$35.00} simply by extending the loan. They refused to adjust the loans interest rate. 

I have attempted to reach the department that makes the adjustment via the phone number on the letter we received. However it goes straight to voicemail and I have left several messages.

In a time where the entire country is struggling, and I have made it clear I do not make enough to afford any of my bills, I expected more from Huntington with my request for help.
Product: Checking or savings account

I opened up an account with wellsfargo approximately XX/XX/2016. However, I went to the branch to close the account in XXXX or early XX/XX/2016 due to my not liking their services. Before I closed the account, I did submit a nonfraud dispute. At the time, I closed the account I was informed by the branch employee, the dispute was resolved in my favor and I was closing in good standing. However, after opening up an account with a credit union recently, I found out the account was never closed and I owed money to them. Wellsfargo NEVER sent me out any documentation regarding the dispute at all and they didnt notify me of the account closure either. So now theyre trying to hold me accountable for their actions. When I was the one that was lied to and victimized of their shady practices. I even asked them to write it off and if needed Ill pay the taxes on if needed.
Product: Debt collection

I have contacted this company on several different occassions. This debt was already resolved. The car was sold at the auction and there was no remaining balance. I contacted  XXXX  to retrieve the pay out documentation and they told me they no longer handled the account. I then requested that  XXXX  furnish me with the documenation however, they refuse to. I reside in the state of Maryland and anytime a vehicle is repossessed and resold documentation is of the date of sale, location of sale, and amount of sale must be provided to me. Previously this information was sent and it had a balance of {$0.00} however now this account is in collection. The credit bureaus have updated this account as verified but no information or documentation to validate this account was provided to me.
Product: Credit reporting

I received an employment offer from XXXX XXXX cable in XXXX XXXX on XX/XX/2016 pending a consumer background report investigation which was subsequently performed by General Information Services ( GIS ) based out of XXXX, XXXX. I then received an adverse action letter from GIS followed by an email from XXXX XXXX informing me the offer had been rescinded due to criminal conviction information reported by GIS. GIS reported criminal convictions to XXXX XXXX that antedated or preceded the report by more than 7 years which is a violation of XXXX Law, specifically XXXX Business and Commerce Code Chapter 20.05 which states : Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : ( 4 ) a record of arrest, indictment, or conviction of a crime in which the date of disposition, release, or parole predates the consumer report by more than seven years ; ( b ) A consumer reporting agency may furnish a consumer report that contains information described by Subsection ( a ) if the information is provided in connection with : ( 1 ) a credit transaction with a principal amount that is or may reasonably be expected to be {$150000.00} or more ; ( 2 ) the underwriting of life insurance for a face amount that is or may reasonably be expected to be {$150000.00} or more ; or ( 3 ) the employment of a consumer at an annual salary that is or may reasonably be expected to be {$75000.00} or more. 

( b-1 ) A consumer reporting agency may furnish to a person a consumer report that contains information described by Subsection ( a ) if the information is needed by the person to avoid a violation of 18 U.S.C. Section 1033. 

The salary offered to me for this position as a Call Center Customer Retention Rep was {$13.00} per hour or {$28000.00} annually. 
I want to file a compliant that my FCRA rights were violated by GIS by the reporting of criminal convictions to XXXX XXXX cable that were in fact, older than 7 years, which directly led to my employment offer being rescinded, and caused harm to me.
Product: Debt collection

Attempted to cancel gym membership in XXXX of XXXX in writing as required. Company did not cancel the membership. In XXXX of XXXX when I noticed I was still being charged the membership amount I sent a second written request to cancel. When that was not honored I disputed the charge thru my credit card company providing the proof mentioned above. The credit card company sided with me and reversed the charges for both XXXX and XXXX. The gym then sent the account to collections for {$250.00} because, according to the collection company, I owe the balance of the contract. The contract I signed was in XXXX and expired in XXXX. I was on a month to month ( {$29.00} ) membership. I informed the debt collection company of all this information they still however have placed a negative mark on my credit report thus effecting my credit. I have followed the law with regards to cancellation ( XXXX XXXX XXXXXXXX requires written notification of cancellation ). I have provided this proof to Kingston Data and Credit, they however insist on reporting fraudulent information in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked XXXX for evidence to support their reporting of an account in the file they maintain under my Social Security number. They have failed to provide me with a copy of any verifiable evidence submitted by TD BANK USA- XXXX XXXX substantiating their claim that I am financially responsible for this account. I am not the primary owner of the account, not a co-borrower, and not a co-owner, I am an authorized user. I have never applied for credit, and this a not a joint account ( although its being reported as one ). Furthermore, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).  Recently, XXXX provided their investigation results, and again, they failed to provide verifiable evidence. Interestingly, they included a statement alleging " Consumer 's dispute not specific '', however they were still able to conduct an investigation without " specific '' information. Further into the results is a statement that says " Account Historical Data SUPPRESSED. '' The results continue to state that the originating source provided additional information claiming " Historical account information was DELETED from this account. '' Their investigation results are unclear, contradictory, and lends no credibility to the company. Is the information I requested DELETED or is it being SUPPRESSED? Either they have it or they don't. In any case, they are not providing it. I challenge the accuracy, compliance, and reportability of this listing. I formally request the trade line be immediately, and permanently deleted from my credit file.
Product: Credit card or prepaid card

Amex company is misleading Small Business owners to apply to its Business credit card and then damaging the customer personal credit score with hard inquires and false advertisings about being a " Business '' credit card.

They send multiple emails and advertising to apply to their business credit cards and then lower the FICO credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights. 

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports. 

The IRS defines a charged-off account as a canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft someone got my information and opened up lot of accounts in my name without my knowing. XXXX XXXX account ending XXXX, XXXX account ending XXXX, XXXX 's account ending XXXX, XXXX XXXX account ending XXXX, XXXX XXXX account ending XXXX, XXXX account ending XXXX I'm not responsible to this
Product: Student loan

I 've been unable to pay. Was put on a payment plan that I did n't know about it ca n't afford to pay and I 've stated this to them.
Product: Mortgage

I am in a XXXX  XXXX. My attorney has requested that the Selene communicate directy with me to include sending me monthly mortgage statements. I emailed Selene XX/XX/year> requesting that they comply. Selene has refused to comply and since XXXX XXXX, Selene has continue to send all my correspondence to my attorney. As a result, Selene has subsequently increased my attorney fees inasmuch as my attorney is charging me o scan and submit documents to me on a monthly basis. Moreover, I do not always receive all my statments in a timely manner or at all which causes me not be aware of how my payments are being applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / 2017  I sent through this portal a demand for an investigation of items on my credit report. The case number to this complaint is  XXXX . As you can see as of today  XXXX / XXXX / 2017  that Transunion has not provided a response to the investigation. I have called and spoken to there customer service team on  XXXX / XXXX /   2017  and was informed that the investigation was still pending 34 days after the start of the investigation. there is no wiggle room in the FRCA when it comes to investigations, your either comply, or you do n't. They are obviously not in compliance. When this complaint is received on Monday  XXXX / XXXX /   2017  the investigation will be in its 37th day. I did not waive time so they need to comply with the FRCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted and disputed a public records listed on my credit report that does not belong to me. There are also other errors in the credit reporting from trans union. Trans union and XXXX has refused to remove these items has not produced any proof of verification and will not allow me to access my credit report or make any further disputes. I was told in order to have access to my credit report that I had to cancel my dispute. I informed them they are violating the law and they have refused to remedy the situation. I contacted them online and via phone and they have done nothing to rectify the situation with removing derogatory items from my credit report or allowing me access to a copy of my report online or via phone.
Product: Debt collection

I obtained an online loan through XXXX XXXX XXXX  on XX/XX/XXXX in the amount of {$1600.00}. after paying on the loan in the amount of {$190.00} every 2 weeks, the last payment being made on XX/XX/XXXX and paying a total amount of {$590.00}, I was unable to cont paying every 2 weeks at that payment amount. I tried to work with XXXX XXXX on a payment arrangement to pay off the amount owed, however they were unwilling to work with me. After doing some research I noticed that they did not have a license to lend in Indiana, so I revoked my ACH with them. They have since charged off my account, but they have sold it to a 3rd party collection agency. The name of the 3rd party collection agency it was sold to is Rocky Mt Capital Management. I was told it was sold to them on XX/XX/XXXX. I have not received any information from them in the mail and last week I began getting contacted by someone by the name of XXXX XXXX, saying I owe {$3100.00}, but her client will settle for {$2300.00}, if it is paid by the end of the month. She tells me she works with XXXX XXXX  in XXXX XXXX, and her client is Rocky mt Capital. I am unable to pay this amount. If this amount isn't paid she said that her client will file a suit against me. I told her I never received anything in the mail. She also told me that the amount of my payment with XXXX XXXX was {$50.00} a month and that I only paid 1 payment which is untrue. She has me call one number to contact her, but calls me from 2 other numbers, one is a XXXX XXXX number ( XXXX ) and the other is an XXXX, XXXX number ( XXXX ), but the number she has me contact is XXXX. I called the XXXX In number once and a XXXX answered the phone. I hung up, it all just seemed fishy to me. Not sure how to go about resolving this mater. I do not want to be sued, but I can't afford to pay what they are saying I owe. I don't have a problem paying back the principal amount of what I borrowed, but I would need to set it up on payments. And I don't even know if any of it is real, with the tactics they are using.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not late on this account. I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX. Please update.
Product: Checking or savings account

I had a ink in pin and {$500.00} check in a safe deposit box in XXXX and when I closed it in XXXX I didnt receive the funds..
Product: Credit card

On the XXXX XX/XX/2023 I tried to buy some bags online, using 1 physical card from XXXX. When I was completing the transaction they took my card details and after a week ( XXXX XX/XX/2023 ) they steal me XXXX $ in 6 transactions of XXXX $ each to XXXX in Florida from my XXXX account. Obviously all UNAUTHORIZED Transactions. I informed immediately the banks that those are unauthorized transactions but they replied to me that for them the transactions arent suspicious. How can I proceed in order to get a refund for my losses?
Product: Checking or savings account

Bank of America closed my saving account on XX/XX/2023. 
I haven't received my funds of {$270.00} XXXX yet. I call to closing department almost every day and they can not give me a clear answer as to when the check will be mailed to me. 
It is going on for over XXXX month now. 
What should I do? I have to pay my bills and IRS tax. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint includes CFPB, XXXX, and TransUnion. CFPB DO NOT DISCARD AS DUPLICATE AS YOU HAVE DONE SO MANY TIMES PREVIOUSLY. CFPB YOU WERE CREATED TO HELP CONSUMERS BEING TREATED UNFAIRLY AN INJUSTICE AGAINST THE CRA 'S, WHEN WILL THE CFPB BEGIN DOING SO?? I SENT AN EMAIL TO THE INTERIM DIRECTOR AT THE CFPB Mr. XXXX. After reaching out to CFPB Ombudsman. XXXX, TransUnion are stating that they're verifying information with the furnisher XXXX regarding 3 bankruptcies filed in my name in United States Middle District of Tennessee Bankruptcy Court in XXXX, TN. Experian has refused numerous times to provide there Method of Verification as requested by me. XXXX sent a letter to CFPB back in 2020 stating the removal of the bankruptcies from their files. XXXX have sent recently another letter to me showing no bankruptcies are listed. However, XXXX, TransUnion have been stating that they '' ve verified information as being accurate through XXXX since 2020. I provided them with an FTC Identity Theft report, police report and a lot more documentation, yet they have not removed them. I have never lived in XXXX, TN. I want these bankruptcies off of my credit report. Along with XXXX XXXX XXXX loan. CFPB should investigate how the XXXX  and TransUnion have been verifying and reporting information from the furnisher XXXX, that they're not reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Home Bridge Financial Services Re UNAUTHORIZED HARD INQUIRY RUN ON MY CREDIT On XX/XX/2020 The above mentioned company ran UNAUTHORIZED HARD INQIURY ON MY CREDIT. 

THIS INQUIRY ran ON XX/XX/2020 is impacting my credit and am unable to obtain needed credit. 

XXXX***I RESPECTFULLY ASK, REMOVE THIS INQUIRY FROM ALL CREDIT BUREAUS IMMEDIATELY - WITH OUT ANY FURTHER DELAY*****
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed their system to be vulnerable and allowed my information along with millions of others ' information to be stolen. I has to freeze my credit and sign up for identity protection to protect myself.
Product: Debt collection

A company claiming to be XXXX XXXX XXXX, contacted me. Very threatening when I called them back. This debt has been charged off.please see transcript of voicemail they left below ______ hi this is XXXX XXXX calling with the XXXX XXXX some of the vision inspector ______ trying to get in contact ___ _______ _____ XXXX XXXX XXXX proximity to XX/XX/XXXX XXXX years of age __ it's _______ calling to inform you that we received a ____ of action or today from the county clerk liaison 's office concerning a repeat of my compliance on the _____ as well as to from complaints being filed to get your name XXXX security number ending in XXXX at this time due to the XXXX XXXX not __________ they are asking that _____ documents __ be served ________ to your residence or placement appointment to have you sign for court appearance I just wanted to verify some information with you about ___ record before coming out but unfortunately I'm available um we will be making our way out shortly to a XXXX XXXX XXXX if you're not available we will have no choice but to try __ XXXX XXXX XXXX XXXX XXXX __ a place of employment if you're at your place appointment you possibly need _ witness from her supervisor or somebody from HR department in order to sign for your legal documents um if you have any questions or concerns you may contact ______ __ __________ at XXXX again that's XXXX when calling please refer to case number US as _ like United States XXXX XXXX XXXX XXXX call has been recorded document __ the show proof that ___ find a little _____ __ ___ leave _ notify today 's date XX/XX/XXXX XXXX you _____ XXXX XXXX XXXX _____ the XXXX
Product: Student loan

ISSUE : XXXX XXXX FAILED TO GET ME DECENT JOB WITH MY XXXX DEGREE OBTAINED FROM THAT GRADUATE SCHOOL SINCE XX/XX/2016. NOW I HAVE MY XXXX XXXX AND ONLY DOING XXXX XXXX FREE WORKS AND NO PAYMENT. ALSO HAD PROBLEMS WITH XXXX XXXX XXXX, XXXX XXXX AND XXXX UNIVERSITY WHICH WERE FURTHER STUDIES AND NO TRANSCRIPT GIVEN SINCE THEY NEVER GAVE ME TIME FOR COURSES MAKE - UP AFTER DEATHS AND PERSONAL INJURIES WITH IN MY EXTENDED FAMILIES. SO FAR DEBT TOTAL AT ABOUT {$100.00}, XXXX AND NO JOB HELP AND OR SUPPORT PER PAYMENT. I AM A SPECIAL SENIOR AND SOME OF THEIR STAFFS NOT HELPFUL
Product: Credit reporting or other personal consumer reports

There were 9 accounts from affirm that were opened without my consent as a result of identity theft. These accounts were fraudulently reported to my credit report. 

Affirm Attn : Fraud Disputes XXXX Re : XXXX XXXX Account # : XXXX Opened : XX/XX/2023 Account # : XXXX Opened : XX/XX/2023 Account # : XXXX Opened : XX/XX/2023 Account # : XXXX Opened : XX/XX/2023 Account # : XXXX Opened : XX/XX/2023 Account # : XXXX Opened : XX/XX/2023 Account # : XXXX Opened : XX/XX/2023 Account # : XXXX Opened : XX/XX/2023 Dear Sir or Madam : XXXX client, XXXX XXXX, is a victim of identity theft. XXXX XXXX states the referenced accounts were opened without her authorization or knowledge. She further states that she paid in full the accounts believing she was finally responsible for the debts even though she did not open the accounts. XXXX XXXX now understands that by making payment on these accounts, she has accepted financial liability and is not requesting a refund of any of these monies. She is however requesting that XXXX, in good faith, remove the referenced accounts from her credit reporting history at Experian. 

Enclosed, please find a signed and notarized Limited Power of Attorney authorizing me to act on my clients behalf along with identification documentation, a copy of the police report filed, and a signed and notarized ID Theft Complaint and Affidavit which has been filed with the FTC. 

Any correspondence concerning this account should be addressed to me at XXXX ext XXXX or by fax at XXXX. A copy of the Limited Power of Attorney, authorizing XXXX to act on our clients behalf follows this letter of dispute. Your immediate attention to this matter is both expected and appreciated.
Product: Debt collection

Company keep calling me harassing me about a debt that has incorrect information like SSN and Incorrect Driver license. I ask them to stop and they still continue to call daily.
Product: Debt collection

I keep getting phone calls about debt that has been settled and or out of date, or that I was not even aware of having. These same people are calling my elderly mother and father inlaw too. 
I have checked my credit report and none of the businesses are on it. They are trying to get me to settle out of court. 
He says he is with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I can not find a business at this address.
Product: Bank account or service

I deposited a check from a fraudulent company/ job scam and deposited the check into Bank of America and withdrew the funds after they did n't initially stop the check. Some time after withdrawing the funds, they put the check on hold, causing me to show and overbalance and they are not cooperating with me at all in order to resolve. I understand that they can not directly go after the company, but at the rate I 'm going, I 'm going to be slapped with overdraft fees when they essentially told me to go get the money myself.
Product: Debt or credit management

i have no idea whos account this is, it is NOT mine nor do i know what it is.