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

I was XXXX  for XXXX years. I was released XX/XX/XXXX from XXXX XXXXXXXX XXXX. I ran my credit and I have no knownlegde of these accounts nor did I give anyone access to any of my personal information while gone. Below is the accounts. 

1 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX Date OpenedXXXX Amount {$900.00} Remarks-Charged off as bad debt. Account closed by consumer. 

2 ). XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL. XXXX Date Opened- XX/XX/XXXX Amount {$0.00} Remarks-Charged off as bad debt. Purchased by another lender. 

3 ). XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened-XXXX Amount- {$1000.00} Remarks- Placed For collections 4 ). XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC. XXXX Date Opened- XX/XX/XXXX Amount {$180.00} Remarks- Placed for collections 5 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened- XX/XX/XXXX Amount {$8000.00} 6 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX. XXXX Date Opened- XX/XX/XXXX Amount {$97.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw an unauthorized inquiry from comenity capital bank/bjs wholesale on my report on XX/XX/2020 I never applied for any credit with these companies and I have called them severally
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment is due on XXXX of each month. 
Payment due XX/XX/XXXX was made online, on creditor 's ap, on XX/XX/XXXX for amount due of {$110.00}, 8 days after payment due date. 
On XX/XX/XXXX creditor reported payment delinquent 30 days for XXXX, XXXX. This must be immediately corrected to ON TIME, Creditor reported account status as " Current, was past due 3 times ''. This must be corrected to " Current, was past due 2 times '' XXXX XXXX XXXX  On XXXX XX/XX/XXXX reported account status as current however payment summary for XXXX, XXXX reported 30 days late, should be current. XXXX payment is due XX/XX/XXXX and payment was made on XX/XX/XXXX. XXXX, XXXX payment summary must be corrected to current immediately. 

XXXXXXXX XXXX XXXX on Equifax- on XX/XX/XXXX reported to Equifax loan balance was {$22000.00}. This is incorrect, balance is {$21000.00} ( correctly reported to other credit agencies ) Balance must be corrected. 
Status reported " not more than four payments past due '' - Loan has never been 4 payments past due. Status must be corrected to show current immediately,
Product: Vehicle loan or lease

Purchased a vehicle and was in a car accident. My insurance totaled it out and XXXX XXXX was supposed to cover the rest. I asked before agreeing if I could buy back car XXXX at UDRIVE stated if I did that XXXX would not cover it and I would still owe for the car. I completed everything they asked and noticed that they were reporting late payments on my credit report which is inaccurate. I then asked them why are they marking late payments on my credit report. I was told that I owed {$1100.00}. Then was told on a separate date that I owed {$1300.00} and then on another date was told I owed {$1100.00}. Then received an email with a different amount as well. Everything is attached as proof. Thats the first invalid information because they do not even know how much I owe. Thats because I do not owe anything, and they are trying to scam me out of paying for a loan that is not NULL AND VOIDED. Then I stated that I was paying interest on the current loan and if I owe this alleged debt why would I continue paying interest on a loan for a car that I no longer have in my possession. I then received a text from XXXX stating thaXXXX once I sent in a payment, he would re-write the loan which I don't agree to, and they would correct the late payments. That does not even sound valid. I have not agreed to re write a new loan because the previous loan for the car that was totaled out is null and voided now. They also wrote on my credit report " ADJUSTMENTS PENDING '' Meaning by law under the FCRA they should not be reporting anything until they have finished with the settlement/deductions/etc. They have been harassing me. Phone calls beginning at XXXX XXXX which is against the law. Text messages and voice mails stating different amounts. This company seems like a scam and they prey on those who they think don't know their rights and the law.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit card

I scheduled to make a payment to Citi bank on line at the end of XXXX the current balance at the time was {$810.00}. When I received the paper statement for that month the balance was {$820.00} so, went on line and modified the amont on XX/XX/XXXX to {$82000.00}. Later on my bank acount I noticed that both amounts were debited from my account for the amount of {$1600.00}. I called Citi and was told that they will be mailing a check, as of today XXXX, I did not received a check. I called the credit card company and asked to be compensated for holding my money for a month, did not get a positive responce they did not even acknoleged the error in the software on the website. When I am late with a payment get late payment fees and interest fee but they can hold a customer money for a month without impunity. I am wondering some times if this progaming errors are not intentional.
Product: Credit reporting or other personal consumer reports

I have previously disputed XXXX XXXX bankruptcy discharged/ Reference # XXXX XXXX  with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX
Product: Checking or savings account

This is rehashed from complaint XXXX, seeking the dispute of resolved matters after closing this CFPB complaint ... BOA has been given attachements showing the fraudulent charges by XXXX, confirmed by XXXX Presidents office as being almost double of what I was quoted.
BOA refunded {$210.00}, but that was much less than was reversed of XXXX..
Essentially, I want refund of ALL overdraft fees I 've been charged for the last 6 months due to XXXX over billing, debiting my acct for a fraudulent amount, I did not agree to ...
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, XXXX Im having a problem with XXXX XXXX XXXX XXXX being reported open and closed on my credit report saying its in good standing then it saying its not. FCRA Act Law everything must be exact across all three credit Bureau im seeing inaccuracies on my credit report. This stopping me from obtaining things in life to better me and family need help fixing this problem.
Product: Debt collection

On XX/XX/XXXX Convergent Outsourcing flagged my credit files with inaccurate/unverified collection information on XX/XX/XXXX. Their account was recently updated on XX/XX/XXXX reporting XXXX different open dates of XX/XX/XXXX and XX/XX/XXXX. Demanding unverified amounts of {$640.00}, {$980.00}, and {$980.00}. Please be advised that Convergent Outsourcing are not Holders in Due Course ; no services or goods were received from Convergent Outsourcing and I have not agreed to pay/tender anything to Convergent Outsourcing on behalf of their alleged client for any reason. 
Convergent Outsourcing presented me with an offer on XX/XX/XXXX requesting a reduced amount opportunity of 65 %. I replied via XXXX certified mail with a notarized validation notice. Convergent Outsourcing has not responded and has continued to report their unverified collection account to my credit files. 
Convergent Outsourcing have not provided valid documents or itemized statements VIA MAIL proving I owe a debt to them with contractual proof. I have not provided signed wet-ink releases of my private information to Convergent Outsourcing. 
Convergent Outsourcing does not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. Convergent Outsourcings reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof also. Please abide by all mail codes. All calls are recorded for my safety.
Product: Debt collection

2nd notice : Complaint number :  XXXX  On  XXXX   XXXX , I submitted a complaint to your website. I received a response fro m NCB Management Services. I a ppreciate your answer. You stated you have removed my number from your database. I received a call on  XXXX / XXXX /   2017  at  XXXX    XXXX   from  NCB Management Services, again . The lady stated that her name is  XXXX . I could not understand her last name. She stated that she was calling in reference to a  XXXX   XXXX   XXXX , and for me to please call her, so she could help me take care of this. The number given was  XXXX , extension  XXXX . I do not have a loan with this company, and I have never heard of this company.  NCB Management Services is  not to call me, according to their answer from my  XXXX / XXXX /   2017  complaint.   XXXX  Please, please, have this company to stop calling me.
Product: Credit reporting or other personal consumer reports

This is my first request 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. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$620.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXX/XX/year> XXXX XXXX Balance Owed XXXX {$620.00} XXXXXXXX XXXX  ( Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Signs has purposefully and maliciously degraded me as I called to resolve the two account on my record. The representative, two of them at different times, belittled me and said that I purposely chose to defraud the bank, not knowing anything about my mental or fanatical conditions as the accounts closed. When calling to make good and pay off the debts, I was sternly told that I will still have the derogatory marks left on Early Warning Signs as a punishment and that is quote unquote, and I happen to know that that is not within standards of this great nation as a consumer who has paid off an outstanding debt. I have the right to get them removed from my Early Warning Signs report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had 2 credit cards from XXXX Experian lowered my score so I called to find out why,,,, the representative said because I used XXXX $ of credit on a credit card that had a balance of XXXX . I ask how can I have no late payments, XXXX $ of unused or available credit and have my score changed from XXXX to XXXX. This was 2 years ago I asked her for a supervisor or complaint department. She put me on hold for hours and would then hang up when I called back she gave me a fake reporting email. Since then either my husband or myself always have a negative score from experian. Now we would like to refinance with the current low interest rates. But experian gave refinanced company a very low score. Said that to many credit inquiries for the month. My husband has not had 1 credit inquiry except for the refinancing. Many time the score at experian. Reports that we owe 2 more then we owe on our credit card and then the low score. 2 years I have been putting up with this because of disagreement with experian representation. Fead up
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed correspondence to XXXX in XXXX and XXXX to dispute inaccurate information on my credit report without success. XXXX has not responded to either correspondence and I attempted to submit a dispute via online but the site is so confusing to navigate. I have credit monitoring and XXXX is still reporting inaccurate negative information and will not remove it. It is affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I obtain my credit file and noticed Lvnv is still reporting on my credit file even after meeting the settlement agreement and paying as requested by creditor.
Product: Checking or savings account

MY CHECKING ACCOUNT today, XX/XX/2018, # XXXX, had a small ACH deposit. This was the ONLY account activity during the last two ( 2 ) days. however, the online screen reflected {$0.00} available balnce -- the availabel balance should have effectively been {$1000.00}. 

in telehone conversations with PNC Bank ( including XXXX XXXX, Supersivor ), NOYHING is being rectified -- he pointedly said there is some type of unexplained Hold on the account and will NOT remove it. i AM STILL " ON HOLD '' ON THE TELPHONE WITH HIM VERY UNACCEPTABLE AND ILLEGAL BEHAVIOR!!
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX & XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the above-mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Experian resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Student loan

I was give a XXXX month reduced payment plan by Navient representative of direct payment from my checking account. XXXX XXXX payments where deducted from my account when I called Navient rep to inquire why XXXX payment was not deducted I was told the original rep had made a mistake and that I needed to start making full payments I asked why I was not notified and only to be told they where sorry. I feel that because they agreed to reduced payments and deducted XXXX months of payments that not honoring the remaining XXXX months is a breach of contract and would like to know if legal action can be a course of action?
Product: Credit reporting, credit repair services, or other personal consumer reports

The account i have been disputing with TransUnion is the account XXXX - XXXX XXXX XXXX XXXX XXXX Mortgage. The information is wrong because in the report the say last payment received was XX/XX/XXXX and in the history they said that no payment was made First dispute XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX Still this situation hasnt been resolved when is a clear mistake in my report just by looking at it. All other companies had eliminated this from my report except TransUnion
Product: Credit reporting or other personal consumer reports

I spoke with each company in the month of XX/XX/year>2024. I am XXXX XXXX and have to maintain an active XXXX XXXX. Inaccurate reporting causes direct hardship and hinderance to daily well-being.
Product: Money transfer, virtual currency, or money service

Block inc due to inadequate customer service and unfair practices, which violate the consumer financial protection at specifically, Cash App. Failed to take timely and effective measures to prevent an address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive. As they did not comply with error resolution requirements under the electronic fund transfer act and regulation e.These actions have called significant inconvenience and financial loss.And I seek appropriate redress for these violations
Product: Checking or savings account

Deposited a security deposit check into my checking account for the amount of {$2500.00} from out previous place of residence since XX/XX/year>. XXXX cleared the check then closed my account stating that they are not able to verify the check issuer information against their database. I have been back and forth for MONTHS now with the property XXXX and they have advised that their information is up to date. Come to find out, there a numerous Chase customers that seemed to have encounter this issue due to Chases outdated database. We went through the trouble of going down to a branch and to our previous leasing office to discuss this issue which seems to be an issue on Chases end. Chase refused to provide a clear letter that contains what information exactly is needed from the check issuer, they refused to call any of the numbers located on check and the apartment office itself. Chase has since locked my account and have been unable to gain access, they refused to cancel the check. We requested that the issuer cancel the check but apparently Chase has already cleared the funds into my account, preventing the issuer from cancelling this check. An absolute nightmare, had my primary savings and checking with Chase. Need this issue resolved and I am done with Chase and will be sure to advise everyone to stay clear of Chase Bank as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of my most recent consumer reports. As per recent correspondence, I have requested for my consumer reports to be updated and reflect the following information as follow : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX All other names, addresses, ssns, employer and phone numbers does not accurately reflect me and must be removed immediately.