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

XXXX  ; Experian and XXXX  should not be reporting a collection on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the accounts XXXX XXXX XXXX, XXXX XXXX, with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not reverse the late payments. I was not late on the month it shows on the report, I have receipts to prove this. CFPB please step up and fix this ASAP please
Product: Checking or savings account

I was offered a job interview through XXXX  ( I have all the paper trail as proof ). I went to the job interview at XXXX XXXX XXXXXXXX XXXX XXXX, NY everything seemed very professional. The interviewer stated I would be working at various XXXX  as a XXXX. He then offered me the position which i was excited about based on what he was telling me. He took my information and stated i needed to pay an upfront charge of {$350.00} for uniform and HAZMAT training but that after my 90 day probation period I would be reimbursed. He stated XXXX would be the most secure method. He stated that after i sent over my physical I would begin orientation. Since then, I've emailed, called, appeared in person and this " XXXX '' seems to be of no existence. I was clearly scammed and in hopes that my bank would be there to cancel transactions and offer me reimbursement. The " company '' that charged me {$350.00} was XXXX XXXX XXXX XXXX. I searched the company and the person shown on instagram is the exact person who offered me the " job ''. I filed a police report.
Product: Debt collection

My latest credit report includes accounts I never opened. Kindly remove these inaccurate and fraudulent entries immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD SERVICES continues to put a debt on all my credit reports that is not mine, was part of identity theft that was filed in 2015 and they refuse to remove this debt despite multiple demands.
Product: Credit reporting or other personal consumer reports

This is in response to CFPB complaint XXXX. I appreciate your response ; however, I want to make it clear that this is not merely a standard dispute but a formal complaint regarding inaccurate and unauthorized reporting. Per the FCRA, any account that can not be verified as accurate must be deleted. While you conduct your investigation, this account must not remain on my credit report. Additionally, I have ceased mail communication with your company, and I am demanding that all responses be sent through the CFPB portal. This is necessary to maintain a clear and documented paper trail for legal purposes. I expect full compliance with federal reporting laws and a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received an unsolicited check from a loan company called "  XXXX   XXXX  '', and the check is connected to a form provided by a credit rating company named " Clarity Services '', and instructions are provided for opting out, and I did call the number provided,  XXXX , and I talked with someone there who got my name, date of birth, phone number, etc., but she wanted my Social Security number as well. Apparently my Social Security number is floating all over the financial world attached to my credit rating, and the only way to stop this avalanche of unwanted, unsolicited offers for loans is to provide my Social Security number. I have been warned countless times not to give my Social Security number to people on the phone or in writing without a very good reason. I asked to speak to a supervisor,  XXXX , I think his name was, and he explained that the only way they could confirm that I am the person making this request was to provide my Social Security number. I do not want to get these offers for loans. If I ever needed a loan, which I believe is unlikely, I would go to my federal credit union, not  one of  these loan companies which send out {$900.00} checks to any and all. Is there no other recourse for people like me who do not want these credit rating companies sharing my information all over the place? Must I give them my Social Security number in order to opt out?
Product: Credit card

In XXXX, I signed into XXXX and submitted my payment for {$200.00}. It said the payment was being processed and I entered my email to get a receipt for the payment. I never got this email. 
On XX/XX/XXXX, I noticed that the payment never went through and called customer service to handle the issue. After doing research into Comenity, I saw many others were having issues with this company, so I wanted to close my card.

At this point, a late fee had been charged since my payment " didn't go through '' and I spoke with customer service to remove this late fee. She did, and she helped me make my final payment and close my account. I made a payment of {$200.00} on XX/XX/XXXX and closed my account. Still never received an email for the payment made, or papers in the mail for my account being closed. 
On XX/XX/XXXX, I received a bill in the mail saying I still owed {$8.00}. I called Comenity customer service, and they said that this is because of the residual interest on my account, ie. interest accrued in between the day of my statement on XX/XX/XXXX and XX/XX/XXXX that does not show up on the account balance. They charged me {$2.00} in interest on XX/XX/XXXX, added another {$3.00} interest and {$2.00} late fee on the statement on XX/XX/XXXX, for a total of {$8.00}. I called Comenity to clear this up again on XX/XX/XXXX and they refused to remove the late fees, or acknowledge their error by misleading me to believe I had paid off my account and closed the account in full on XX/XX/XXXX. They said in order to pay off my account in full, I would need to pay {$10.00} including the residual interest that had accrued since my statement billing, as well as {$9.00} fee for paying through customer service. If I pay online, I can not pay more than {$8.00} since the statement balance does not update until the next billing cycle. Out of frustration, I hung up because these fees are just ridiculous in the first place. 
I called back on XX/XX/XXXX, and was informed that now, since I am 2 days past my due date, I will be charged {$8.00} late fee and whatever additional interest accrues on my account. 
This company is a scam. I am paying these fees because I want the issue to be done with and never hear from Comenity again. Additionally, this company has caused my credit score to take a hit from these " late payments '', which is beyond frustrating.
Product: Debt collection

Good day. After receiving several pieces of correspondence and having my credit report damaged with what I know to be inaccurate information, I called XXXX XXXX to pay the debt listed on my credit report. The original debtor is listed as XXXX XXXX. I called XXXX and they could find no old, outstanding bills of mine. I disputed this account once last year and it was removed and then reappeared. I then disputed twice and lost both disputes. 

Today, XX/XX/XXXX, I called the collection agency to pay and they indicated that unless I state verbally that I no longer dispute the account, they could not accept my payment! I refused to state what I dont agree with, yet I was willing to pay the {$130.00} debt. The call with a manager, XXXX XXXX ( not sure of spelling ), was a mentally draining and demeaning experience because he wanted me to say that I no longer dispute the account and if not, they could not take my payment. I advised him that I would not dispute the account any longer with the bureaus or CFPB but that I personally do not agree. I just want the account information updated and removed from my file after I pay. 

XXXX became dismissive and unhelpful, so my only recourse is to contact you. This company wants to control how a person thinks even if theyre willing to pay. If CFPB can do nothing to help me, this will have to remain, unfairly, on my credit report. Ive worked very hard to improve my credit over the years and this is a blemish that has reduced my score and gives an unfavorable view to lenders and now my payment is being rejected because I wont say what the debt collector wants to hear. Please help. 

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

I have a XXXX  on my trans union report I have sent dispute letters from the courts, XXXX XXXX  an XXXX XXXX  XXXX that the information on my report is incorrect i ask for the info to be removed trans keep saying its accurate i have sent the letter over to trans union to show that thr info is wrong they keep reporting this its been 7 months they are not giving me any correct info its hurtin my credit i have put a freezee on my report
Product: Debt collection

I XXXX XXXX desire to work out a payment arrangement with XXXX XXXX XXXX XXXX directly. As a public utility this company is governed by a public service commission, not protected by the Fair Credit Reporting Act. In addition, this account has been sent to two collection agencies to illegally cloud my personal credit rating, without written consent or assignment to collect being sent to me directly. Accordingly, this collection must comply with the legal collection process as mandated by FTC v. XXXX XXXX XXXX XXXX. These collections need to be deleted and as I stated, I will work out any payments, if required to XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Earlier this year I took a job with a company I found on XXXX. It was a remote position, where I was asked to handle several task. One of which was to deposit a check so that money could be issued to an orphanage. I did as instructed, and found out I was being taken advantage of by my job. I was told to deposit the check in to my account, and to keep my first weeks pay, and then deposit the rest into a XXXX XXXX account for " XXXXXXXX XXXX XXXX  XXXX ''. It was a fraudulent job, but I did not find out until the bank notified me of my account situation. I reported the job ( XXXX XXXXXXXX ) to XXXX, and i told the bank my situation. They closed my account, but would not allow me to reopen a new one. They also reported me to Chex systems so I can get an account anywhere. I was a victim in this matter. I understand the banks position, but i did not knowingly do anything wrong. I am willing to do what it takes to have my banking privileges ' restored.
Product: Debt collection

I will be suing all 3 credit bureaus, for false placing student loans on my credit report for years that dont belong to me. Ive filed so many disputes over the years .I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Grevens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) has repeated harassed me in an attempt to collect this unproven debt with the above multiple collection agencies beginning around XXXX and most recently in XXXX repeatedly sharing my medical, persona, SSN and contact information. In all cases, the debt claim has shown up on my credit bureau reports and scores damaging my credit possibly increasing my payment or interest rates on financial transactions. I contacted XXXX several times and they have failed to respond to my concerns. I have not been contacted by the the debt collection agencies. The debt has just appeared on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score ove r XXXX. transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Money transfer, virtual currency, or money service

on or around the middle of XXXX google pay allowed transaxtions to go through on my google pay account which was hacked causing me over {$400.00} in charges two charges thriugh XXXX and at that time i didnt even have a valid credit card on file yet they charged the one i  had on file with them anyway and a tons of XXXX and XXXX and XXXX XXXX   charges that i didnt charge and some didnt even have the new card of my account on hand it ws in orute after i called and canceled the XXXX XXXX XXXX I am owed almost {$500.00} becasue of these charges and I cant chagre back or they wont let me charge it bacj becasue for some reason they are saying i made the charges when there is no way i could have
Product: Credit reporting or other personal consumer reports

My Identity was stolen. I have included my police report. 

Grab Your Credit Report With : https : //bit.ly/IQfreetrial CFPB Writeup : 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Inquiry details 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-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: Debt collection

LVNV Funding & Resurgent Capital are harassing me for accounts that I did not open and filed police reports against. I gave the consumer credit reporting agencies copies of these documents in which the accounts were removed from my credit report. This means they corresponded with the original creditor of said account. I am displeased to see my identity and personal information ( SSN ) was shopped around to a third party. 

Today, XX/XX/2023 this account is showing on my credit report by a third-party collection agency. This is illegal pursuant to 15 U.S.C 1681b, permissible purpose. No account can be on a consumer credit report without written consent from the consumer. Additionally, I have no contract or business with LVNV Funding, and this account on my credit report has hurt my score. 

ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX police report and proof of unathorized reporting of account onto credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with collections and inquiries I didnt authorize
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a debt collection violation by propertyreceivables.com In XXXX, I received a letter from this company stating that I owe a debt. I promptly responded to the email provided in the letter with a Debt Validation Letter, requesting detailed information about the debt. However, I did not receive any reply with the requested details within the XXXX period. 

Despite this, the company has reported the debt to my credit report. According to the letter I received, the company must cease collection activities and refrain from reporting the debt to credit bureaus until they provide the requested details. This has not been adhered to, and as a result, my credit report has been negatively impacted.
Product: Mortgage

The City of XXXX will be putting a lean on my property XX/XX/2021 because of unpaid property taxes in the amount of XXXX that hasn't been receive from Gregory Funding. 

I make my payments Each month to Gregory Funding which includes payments towards property Tax. 

I have XXXX $ in my Escrow Account that Gregory Funding has access to but they have not made any payments towards my Taxes. 

I had several Communication within the past three months with Gregory Funding and FHA and nothing has been resolved at this moment.
Product: Money transfer, virtual currency, or money service

I set my direct deposit through Earnin, and now I can not pull money out of the Earnin wallet to use. Everyone I ask for support they refuse to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries should not be listed on my consumer credit report. 

Please see attached document.
Product: Credit card

I was approved for an opened a Chime Credit Builder account XXXX on XX/XX/XXXX. Shortly after I received notice that my last name did not match IRS records. I did my due diligence to complete the necessary forms per Chime request and send into the appropriate department. I was advised that everything was fine. Months later I attempted to request a new card for this account ending in XXXX. I was told that this account was closed, and I had PERSONALLY requested. I wrote to Chime and told them that this was a lie. Chime confirmed that I had in fact NOT requested this account to be closed but NO ONE could tell me why the account was closed. I call again for a XXXX time on XX/XX/XXXX where a nice rep assisted me to the best of his ability. He contacted an escalation team that literally looked at my account for 30 seconds and said, " it's impossible to re-open ''!!! This is a horrible way to do business. First you close my account without my permission. Then your " investigation '' team does ZERO investigation to assist me. I want my credit builder account to be re-opened and I DO NOT want to hear it is impossible to do!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to BMW FINANCIAL SERVICES. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Mortgage

I have been a quicken loans customer over 4 years and have decided to take advantage of the low rates available in the open market now. After a month and a half of getting my refinance approved we are ready to close as of last Wed XX/XX/XXXX. my lender has called for a payoff and i have called over 9 times in the last week with no help. All we need is a payoff letter so we cut a check to payoff my quicken loan. i was fully discharged from a Bankruptcy 3 years ago and did not take Quicken into the BK with me. I have never missed a payment or needed help. I am being told today finally after the 5th call and 3 hours later that i " should '' recieve a payoff letter with in 7 business days???? We requested this last week so now another 10 days on top of the already 7 we have been waiting. How does it take 17 days just to get a payoff letter????? I am about to lose my approval along with the XXXX cash out I am taking. I have been hung up on, mislead, ignored, not called back, argued with and just plain treated rude!!! All I want is the payoff so the trust can cut a check for Quicken Loans but instead I am about to lose my refinance and be stuck with Quicken loans which is the last place i want to have my loan with. I have never been helped so little and disrespected the way they have handled my concern. I need to repeat all I want is a payoff letter so i can pay my loan off in full. I have never been late an dont owe Quicken anything beyond the principle balance. Worst customer experience i have ever had in my life and its going to cost me thousands. Please someone help or guide me howto get my simple payoff from the lender. thank you!!!