23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I ordered some tickets through XXXX but I never received the tickets so I submitted a request for the refund of the tickets. I got the refund but they are still saying that I owed them money and they sent me to a debt collection company. I have pictures and messages of me trying to get this fixed since I dont owe anything to XXXX or True Accord. I didnt sign a contact with True Accord therefore I recommend them to cease and desist all contact methods. Additionally, I would like this debt removed from my credit reports and if you attempting to add it to my credit report I would appreciate it if you dont.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax. This complaint is in regard to the unauthorized and unjust reinsertion of previously deleted items on my consumer report, a move that has not only damaged my credit score but has also brought significant personal stress. 

I filed CFPB complaint XXXX on XX/XX/2024. On XX/XX/2024 Equifax responded to the complaint stating they had deleted the disputed items, however upon checking my consumer report today I notice some of these items are still being incorrectly reported on my consumer report. 

I trust that the CFPB will ensure a fair and prompt resolution. Thank you for your attention to this matter. 

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

Received credit report from Experian XXXX for XX/XX/XXXX. Inquiry was made by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, phone XXXX. I called the phone number a voice came on and said what is your social security number with no explanation. On XX/XX/XXXX I sent a letter to the company requesting why they obtained my credit report. The company has not responded. I do not recognize this company.
Product: Credit card

I see numerous fraudulent accounts in my Transunion credit report. I wanted to have them removed as soon as possible. Kindly help me remove the following fraudulent inquiries : 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, credit repair services, or other personal consumer reports

I have contacted Equifax, XXXX and XXXX  several times concerning the account with XXXX XXXX. The information has always been inconsistent and each time, each bureau stated that either the information was accurate or no errors were found.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some addresses that are not mines possibly fraudulent I have a EX girl friend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXX and My DOB is XXXX SS # 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. I have a unverified account that is not accurate showing on my credit file from a XXXX FORMERLY XXXX # XXXX. this account should be deleted ASAP it is not right. I also seen an account that is not mine from some XXXX XXXX XXXX XXXX # XXXX never here of them. please delete this unverified account.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed/updated.

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an authorized user on my fianc capital one credit card for the past two years. They have been reporting to only two credit bureaus  XXXX XXXX and XXXX. I called in XXXX to inquire why haven't they been reporting to XXXX  and they blamed XXXX. I called XXXX  and they said it was capital one responsibility. I keep getting the run around with Capital one and with them not reporting to my XXXX  report it shows a big discrepancy between my credit scores.
Product: Money transfer, virtual currency, or money service

I transferred {$240.00} from my checking account in USA to my mobile wallet in XXXX to pay hospital bill. I received a response that my transaction was complete and that they confirmed money already in my wallet. I proceeded to pay only to realize transfer delivery was not effected. I contacted them and they promised to fix the issue in 24 hours. Then came 3 business days, then now 24 hours and a week down the line. They are no longer giving any new information but telling me to continue waiting. I suspect fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXXhas violated my federally protected Consumer Rights to Privacy and Confidentiality.

15 U.S.C. 1681 A states I have the right to privacy.

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

This incident happened within the last few months of XXXX. Ive received somewhat a big direct deposit from getting payed from work and the about was probably around {$900.00} or so. Throughout my time making purchases my bank history was taking out money as I was being charged for these things I was charging but said pending which was totally normal. I didnt put much mind to it since it always does that and throughout that time of not putting much thought to it I was able to take out money from the Wells Fargo ATM and it still showed on the receipt that I had money left. For some reason I checked my account and all of my transactions were approved on one same day and left my account on negative. Now the issue is why let me take out money from the ATM and send a receipt that shows I still have money left but then leave my account in negative. It really doesnt make sense as to why all my pending transactions were approved within the day I made a purchase leaving my whole account on negative. Thankfully I wasnt charged over fees since at that time they were still doing the get pay early through direct deposit. If this wasnt a thing, they probably wouldve over drafted me a couple hundreds more. Due to this incident I no longer trust having my money in this bank and will probably switch banks. This is absurd and is definitely an inconvenience.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XX/XX/XXXX XX/XX/XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and incomplete information on my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ). After thoroughly reviewing my report dated XX/XX/scrub>XXXX XXXX XXXX I have identified several discrepancies and accounts that I do not recognize. As such, I request that these items be promptly investigated and either corrected or removed from my report, as stipulated by Section 611 of the FCRA ( 15 U.S.C. 1681i ).

The FCRA mandates that consumer reporting agencies implement reasonable procedures to ensure maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ). Moreover, 15 U.S.C. 1681s-2 imposes a duty on information providers to refrain from furnishing data they know, or have reasonable cause to believe, is inaccurate. This provision further obligates consumer reporting agencies to promptly delete or modify any information found to be inaccurate or incomplete following a consumer dispute. 

Below are the accounts I am disputing due to inaccuracies, incompleteness, or because they do not belong to me : Accounts to be Investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these inaccuracies and provide me with a written response detailing the results of your investigation. Upon resolution, please send me an updated copy of my credit report reflecting any necessary corrections. 

Thank you for your prompt attention to this matter. Should you require further information to assist in your investigation, please feel free to reach out.
Product: Debt collection

Good afternoon, my debt was bought over from XXXX XXXX XXXX XXXX. Upon finding out about the debt I made payment agreements with LVNC Funding LLC to start paying off my debt. I began paying, then COVID hit and I was no longer able to pay thus said debt. I'm still not able, I'm currently unemployed and only received adoption subsidy. I recently received notice that I'm being sued by LVNV Funding LLC. This has affected my credit score greatly, at the time of agreement I had no knowledge of debt validation, and my rights. I've also learn that they are not licensed to collect debt in the state of New Jersey. Please I need some help, I'm really trying to fix my credit report
Product: Debt collection

I bought a car XXXX of 2021. It was my first car and I did not know much about the financing process. The place I purchased the car from said that Santander was able to finance me. Santander took advantage of the fact that I was unaware of what I was signing up for. They gave me and interest rate / monthly payment that they knew I could not afford. A month after getting the loan the car broke down. My warranty company and insurance were debating on who would fix the car. In the mean time Santander is charging me an absurd interest on the car. Turns out no one was able to fix the car so Santander took the car and resold it. Now I have a charge off on my account that is stopping me from being able to finance a new car. Santander has a deficiency waiver that I qualify for but, they are not giving me any information on how to receive it. They have a class action lawsuit against them as well as numerous complains of their tactics. I need help do that I can start my credit building journey the right way!
Product: Vehicle loan or lease

I purchased a vehicle in XXXX, Wells Fargo Dealers Service financed this vehicle for me@ 10.99 % these payments were {$420.00} for 72 months. Wells Fargo claims I still owe money on this account. I have the payment history provided by Wells which shows all 72 payments being paid along with all late payment fees paid. Wells refused to release the title an clear up my credit report as paid in full. 
I have been to the local branch of Wells Fargo to no avail. After making several attempts to resolve this issue. I turned to the North Carolina Attorney Generals office. They sent Wells 7 letters requesting a response Wells sent a letter saying I owe but with no real explanation has to how they came to this amount. Again Wells still hasn't proved that I owe any money. I have ask Wells many times to show me how they come to this balance of {$460.00}. As of today XX/XX/XXXX, I still haven't received the detail information as to how the come up with this amount. 
Now using the very payment history they recently sent I calculated all the interest and came up with more interest paid than what my contract indicates. I was suppose to pay over the term of my contract. While doing this I noticed that the interest varied from month to month. I know that the interest is normally higher during the first months. But as time goes forward the interest starts to decrease but per my payments there is no constant decrease. They are all over the place ... Ex ... XX/XX/XXXX ... {$420.00} ... {$89.00} principal .... {$330.00} interest ... ..This is one of the many issues Wells not  doing their job ... ..XXXX XXXX ... {$420.00} ... XXXX {$260.00} principal .... {$150.00} int ... ..XX/XX/XXXX.. XXXX .... {$160.00} principal ... .. {$250.00} interest ... .plus {$10.00} ... other charges ... .These are just a few of many errors ... ... Wells needs to recheck where they put my funds and correct these mistakes. I want and have ask Wells to  send me a detail account as to how they come to there their acquisitions ... .Not send me another letter saying I owe {$460.00} ... I already have that letter ... But knowing what i see from their responses they aren't able to do this ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

This company keeps overly reporting to the credit bureaus, not to mention I never authorized this company to have any of my demographics or financial information nor have I authorized any company to give or sell my information.
Product: Credit reporting or other personal consumer reports

The last time I used my Wells Fargo credit card, it was XX/XX/year>. 

On approximately XX/XX/year> apparently someone using the website XXXX used my card 3 times. I have never used the website XXXX in my life. 

The first fraudulent charge, I didn't notice, but when the XXXX and XXXX charges came thru I received a text asking me to confirm the charges were legitimate. I replied immediately that the charges were not legitimate and I called Wells Fargo immediately. They said they would reverse the charges, cancel my card and reissue a new card. 

I received the new card but I never got any proof in writing of the fact that my identity had been stolen, that they were investigating the fraud etc. Later in XXXX, I called again to follow up and the said the request will take 7-10 days to resolve. I never received anything. I called again on XX/XX/XXXX asking for a resolution. The customer service person refused to give me any confirmation number, letter, email, nothing to confirm this problem happened. 

I just learned that they're reporting me 90 days past due on this card because the fraudulent charges remain. Report attached below. I called again and the customer service says I have to call back Monday to speak to an XXXX customer service department. 

I just called again and was given this case number XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 Balance : {$35000.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXXXX/XX/XXXX.
Product: Debt collection

This debt was on my credit report. Originally I disputed it because I hadn't received any information about past due amounts from the apartment complex or anything else. 
I now called them to see what was going on with this supposed debt. They say they have mailed me letters but won't tell me where they mailed them to, and I haven't received any information about this at all. I requested for them to verify the amount and to tell me what it was for, they read off some generic charges that didn't make any sense. They listed two damage charges, and keys. There were no damages, and the keys were all turned in. I have all my pictures from move out showing the condition of the apartment complex. There is no reason I should have any outstanding balance. I called the apartment complex directly, and they have no record of me owing either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX RAN MY CREIT WITHOUT MY PERMISSION AND I NEED THIS DELETED OFF MY CREDIT REPORT THANKS
Product: Debt collection

I have a Bank of America business credit card that me and my business partner open, after a year i sold my part of 50 % of my business to him by notary to take care of that credit card payment, he is no were to be found and now bank of america withdraw XXXX $ on the XX/XX/19 from my checking account and paid the credit card account with out my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX Balance : {$25000.00} & XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The address dispute has been received and should be completed by XX/XX/2022. 

Source : XXXX Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX I had on several occasions written and indicated to XXXX XXXX XXXX and Transunion to correct my address but they have refused since XXXX XXXX XXXX XXXX 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. Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights.

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: Other financial service

Pay-O-Matic cashed XXXX of our checks to a customer without verification. We had stopped payment on the check at the customer 's request. Now, they continually harass me and my company 's management regarding this check.
Product: Credit card

I have been trying to obtain a credit balance statement from First Progress Credit. I have asked nicely, put what I needed in writing and submitted it. I have also spoken with the credit dept, managers and customer service. all I been told is its not their policy. From what I understand and I may be reading the fair credit act wrong. Though the fair credit act states that at anytime a consumer can obtain a balance statement. I am trying to get a mortgage and the company wants something from First Progress directly. They have out and refused to give my information.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Select Portfolio Services ( SPS ) and ( SPS ) thru XXXX, XXXXXXXX XXXX  and possibly XXXX  are buring me in mortgage processing payment increases year after year..I paid their ridiculous amount, now think being transfered to SLS, XXXX XXXX reporting updates untrue/crashing credit so can not refinance and XXXX never gave me a contract and wrote a fake cancelation but telling new company my contract expired likely to get me back into courtexpired ... its not even XXXX, its another Portfolio scheme..It is a XXXX loan from XXXX and owe XXXX its just crazy ... I had to call to find out was cancelled..total mismanagement... .I 've been getting a flurry of letters thst look like same software SPS uses saying been a data breach..Crazy as XXXX ... SPS is a XXXX XXXXXXXX ... I paid XXXX payment on time and saying late, I closed account out but still open..my limit was XXXX but then shoes paid XXXX then said my limit was XXXX so can reduce to XXXX its a total collision within the kind of mortgage it was before SPS took it over ... XXXX by far the worse..to say cancelled any check on way with no notice, no check and then expired XXXX and was never a policy anyway. All XXXX..hocus pocus
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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

I am wanting to have these hard inquiries removed because I did not authorize these companies to run my credit this is fraudulent. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Trans Union Issued a credit score of XXXX on XXXX XXXX, 2016. After I secured a vehicle loan and increased the line of credit on my federal credit union account of over 10 years, my credit score dropped to XXXX on XXXX XXXX, 2016. New accounts are suppose to affect the credit score about XXXX %. My score dropped over XXXX points. Also, inquires were made within 30 days to process this car loan but each inquiry was counted separately instead of as " XXXX '' inquiry by law. There was a number of inquiries that are inappropriate. I tried to resolve this with officials with Trans Union with no success or valid explanation.