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

I am filling this complaint because reporting this account completely confuses me. I am not sure why this account is coming in and out with different collection companies in my credit report. Please know that i tried to this issue resolved by the collection company and credit bureas. The account I am disputing is AMSHER COLLECTION SERVICES. I received a collection attempt from this agency and this item is being reported in XXXX credit bureaus. In XX/XX/XXXX the original debt from XXXX XXXX XXXX XXXX, balance of {$2100.00} was reported in FRONTLINE AS with XXXX account number XXXX. In XX/XX/XXXX I disputed this account directly to FRONTLINE AS to inform them that I was charged for equipment that I never received and I have email documentation which I attached to this letter showing that they confirmed the equipment being re-routed to the warehouse and receiving the equipment in the warehouse and adjusting my bill with XXXX XXXX for XXXX XXXX XXXX XXXX XXXX decided to sell this off immediately to a 3rd party collection - even after I spoke to them - and I called once this hit my credit report to solve the issue and they mentioned to me that it's too late because the debt was sold off already to XXXX XXXX didn't have the right to collect or report this in my credit report because of their negligence. I also requested for validation of debt to verify that I am responsible for this account and contract until then I did not receive anything in mail. And in XX/XX/XXXX this account was removed from my credit report and now the same original creditor and balance is reported in AMSHER COLLECTION SERV on XX/XX/XXXX. 
I am filling a CFPB complaint to have this issue resolved right away. I am worried by the lack of responsible reporting. My credit score suffers tremendously because of their negligence. Collection companies being reported on and off in credit reports is punishable by law. My personal information being sold out to a third party is something I should not experience if XXXX investigates and resolved this issue before. 

I would like to request for the same validation of debt I requested previously with XXXX. If your agency can not provide validation of debt I demand this account removed from my credit report.
Product: Checking or savings account

CHASE bank failed to follow their wire transfer guidelines and allowed a fraudulent wire transfer to be established from my checking account without my permission, signature, or any formal verification of identity.when requested for confirmation in text, I denied the transfer. After working with the fraud department, I dont feel They are being forthcoming telling me when I get my funds back.I want them to refund the money owed to me. ( {$24000.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate erroneous and Unverified inquiries in my credit report. As of XXXX XXXX Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Kohls, Has started to charge the amount of the payment due, as the late fee, my last bill was {$54.00} I mailed the bill in a week early, they said it was a day late, so my payment now was {$100.00}? Can they get away with this? I said I have been a customer for 25+ yrs. I was told when I spoke with them this was there new policy, I said to them at that point as I was cutting up my Kohls card, You just lost a good customer!!
Product: Credit reporting or other personal consumer reports

on XX/XX/year> someone hack XXXX account and change my address and apply credit card under my name through chase bank. when I noticed that I went to the bank and alert them and they cancelled the application and told me that they will informed XXXX but they did not
Product: Prepaid card

I was issued a promotional prepaid card from Citi Bank. It was not clear to me that on the " good through '' date on the card the funds would " disappear. '' My understanding is that I would have to obtain a new card.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX has violated my rights XXXX 

I looked at my Experian credit report on XX/XX/2025 and notice some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX5 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit reporting or other personal consumer reports

All 3 bureaus are reporting a revolving account a closed charge off account can not be revolving its closed. 
This account was also written off by the creditor but its showing a balance if it was written off and considered a loss there's no debt owed they have already been compensated for the loss none of the last active dates match Experian is reporting 60 days late twice you cant be 60 days late back to back and then go into charge off status XXXX is reporting 120 days late twice then skips a month and goes back to ok even though they have the account listed as a charge off
Product: Checking or savings account

I opened my chase account in XX/XX/year>. I've always deposited money into this account. I had never had a bounced or returned check until XXXX of XXXX. I thought I was starting to work as a secret shopper company. I got sent XXXX different checks from somebody and I deposited both of them. One at the end of XX/XX/XXXX and the other one XX/XX/XXXX. On XX/XX/XXXX one of the checks came back altered or fake. And it made my account negative the amount. I immediately went into the branch spoke with a lady and she said they sent check back and my account would be just fine to use. Then on XX/XX/XXXX the other check came back same thing. I didn't know they were fake or altered. On XX/XX/XXXX I received email saying my account had to been frozen. I went into bank and the same lady called fraud dept and they said my account was closed and can't open again which is XXXX. How was I suppose to know I was being taken advantage of? Why not give me a chance amd I did tell them I would report it to police but they said that wouldn't matter. If this is how chase bank treats all their customers then I wouldn't recommend them to anybody!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX will not show me proof of validation of a bankruptcy showing on my credit file. I have disputed with all 3 bureaus multiple times and they still will not show proof. And I need something done about this especially when they will not validate proof
Product: Credit reporting or other personal consumer reports

On my XXXX, XXXX and TransUnion XX/XX/year> on my reports a balance of XXXX dollars was provided to a collection agency name XXXX XXXX  illegally from the consumer by the name of XXXX i asked for a cease order they are constantly bothering me Im in process of trying to purchase a home and this is hindering me based on consumer law 15 usc 1692 c this is highly illegal I want it removed immediate please and my score increase back to the right amount
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 WELLSFARGODEALERASVCS XXXX, NC XXXX RE : Request for ivestigation of Unauthorized Inquiry I check my personal crdit report and found an unauthorized credit inquired with your bank information i haven't give the authorisation to any institution to check my credit. I request the you initiate an investigation to determine who authorized the credit inquiry. If, once your investigation is completed and you find my allegation to be true, please remove the unauthorized inquiry. if you find the inquiry to be valid, please send me a description of the prosedure used in your investigation within 15 business days of the complition of the investigation. 
Thank you : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance Owed : {$9.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$27000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 : {$2700.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$480.00} ; XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Received mail with name + XXXX on it and it was from Chase. Some applied for an XXXX XXXX with my address. Chase has been doing this for the last year, now that it has come to my attention.
Product: Student loan

My orginal lender was XXXX XXXX then my loans were turned over to Navient at that point various changes occured. I have seen them listed multiple times on my credit report even after asking for a forbearance or deferement. Due to inconsistency and multiple inquires I have been turned down by lenders and my credit score has dropped significantly. the multiple loans for the same amount on the same day is very misleading Furthermore If I contact them as requested and make arrangements why do they still report days later as negative on my credit report
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent letters requesting proof of the alleged debt that shows on my credit report Which includes original promissory notes signed with my signature I have not received any type of communication in well over 40+ days
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in dispute to the payment history reported from XX/XX/2017 through XX/XX/2017. During XX/XX/2017, XX/XX/2017, and XX/XX/2017. I paid as agreed per a Trial Payment Plan ( TPP ), a partial payment agreement, which was supposed to be reported to the Credit Reporting Agencies ( i.e. XXXX XXXX, and XXXX ). According to the recent credit reports I have received and my communication with each agency by phone, this information was not disclosed by LoanCare. Instead, due to the partial payments, my payment history reflects 60+ and 90+ days late during the aforementioned period. 
I have a copy of the TPP that I signed and that was approved by Loancare, with highlighted statements. On page 2, bullet 7, it states Please note that except for your monthly mortgage payment amount during the TPP, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the TPP. On page 2, the 3rd bold section under Additional Trial Payment Plan Information and Legal Notices state, Your current loan documents remain in effect ; however, you may make the Trial Payment Period Payment instead of the payment required under your loan documents. ( I also have monthly statements from XX/XX/2017 showing the dates these payments were received. ) Despite the acceptance and fulfillment of this TPP, and despite reassurance from 3 different LoanCare representatives each month that I personally made the TPP payments by phone, I have incurred 60+ and 90+ late payment marks on my credit report with LoanCare. The TPP document clearly states that I may make these partial payments ; the TPP payment agreement is the exception, but all other mortgage requirements remain in effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

AES / XXXX or XXXX was removed/deleted from my XXXX and XXXX credit report because of inaccurate reporting. They were using the name PHEAA before being removed on XX/XX/XXXX. XXXX allow the company to change the name to AESXXXX and continue to report negatively on my credit report. 

I have spoken to the company several times and they have indicated they are not reporting this information. However, it remains on my credit report for XXXX under a name I never done business with. 

XXXX XXXX  XXXX has reported I owe {$690.00} for an account open XX/XX/XXXX. Currently, its reporting negatively as of XX/XX/XXXX. I have ask for documents from this company with my signature or information they not sent me anything proven this is my debt. 
They are a collection agency reporting on my XXXX credit report. Upon disputing it with them and XXXX they are unable to prove its my debt. 

XXXX XXXX XXXX XXXX is reporting a hard inquiry dating back to XX/XX/XXXX. I never had any dealing with this company.
Product: Credit card or prepaid card

I purchased a plane ticket from XXXX  XXXX XXXX XXXX to XXXX, XXXX XXXX on XX/XX/2019 from XXXX XXXX for {$2000.00}. 
When I got my credit card bill from Bank of America, I found out I was charged a Foreign Transaction Fee of {$60.00} by Bank of America. 
The transaction was made from here, in dollars and on the Airlines US website. I have purchased flight tickets with Bank of America credit card many times through XXXX, XXXX XXXX and was never charged a fee. I call Bank of America, talked to 3 different people and they refuse to take it off.
Product: Checking or savings account

I filed dispute for 7 charges made using my debit card, which I was not in possession of. I called PNC bank immediately after noticing the unusual transactions, at which point I realized Id lost my debit card. They canceled the card and got me a new one. However, after only 2 weeks of investigation, my claim was denied. 

XXXX  of the charges also had the XXXX XXXX which when you XXXX, immediately comes up as fraud. 

Im trying to resolve this issue with PNC, however I am being given the run around and am not receiving any feedback.
Product: Credit reporting

Last week Transunion had a Glitch that erased and re-inserted my credit inquiries without my knowledge. I have screenshots that can show where they were taken off and returned. This reinsertion without prior written notification are a direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquiries be permanently removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax cyber security data breach was announced, I went to the Equifax Security 2017 website to enroll in free credit monitoring as my personal information may have been compromised. I received an email today from TrustedID XXXX today requesting that I verify my identity for the credit monitoring. When I entered the data on the website, the website said that there was an error and directed me to call a toll free number, which was not a working number.
I then called Equifax directly, and my call was disconnected. I am now concerned that the email from TrustedID XXXX was not legitimate but I have no way to verify this with Equifax. I was connected to a Equifax call center employee who told me that the TrustedID website was unavailable. This is ridiculous. The free credit monitoring that Equifax promised consumers to provide directs consumers to a website that is UNAVAILABLE to complete enrollment and the phone number on the website to call is n't a working phone number?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not working during XX/XX/XXXX until end of year. I didnt receive unemployment. I never received information about my student loan payment being due. My Navient student loan went into 90 days past due. Per the government, government owned student loans were suppose to automatically been Suspended from XX/XX/XXXX until XX/XX/XXXX. I was recently already in forbearance but navient put be past due when payments where supposed to been suspended. My XXXX XXXX student loans were suspended during this time period. Why was I charged and put into default XXXX late ) when the government postponed payments during this time! Even though my loan was in forbearance it didnt automatically go into administrative Forbearance that is mentioned on Navient website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Government Small Business Loan through XXXX XXXX on XX/XX/2018 I was denied because I had issues with my credit report, three negative items were affecting my score, I called these 3 creditors they provided me with paid in full letters and I dispute the 3 accounts with the 3 credit bureaus ( Experian, XXXX and XXXX ), finally on XXXX XXXX these 3 accounts were deleted form XXXX Credit Report, I went to XXXX XXXX again on XX/XX/XXXX with the XXXX credit report sent by this credit report bureau by regular mail with all the disputes resolved. These 3 accounts were removed and deleted from XXXX Credit Report however from Experian and XXXX I am still in dispute with them with the same accounts, my company fullfilled all the requirements and the Bank didn't even consider that XXXX credit report was accurate, the bank denied the loan because the issue was not resolved with the other credit bureaus Experian and XXXX knowing that these accounts were the same ones deleted from XXXX.
Product: Credit card or prepaid card

American Express website did not allow for me to login to make my payment resulting in a 30 day late. American Express also had wrong personal information as far as contracting me to make notice of past due bill.
Product: Checking or savings account

Ford Credit Motor Financial Department! Was To Put The {$9900.00} Dollars Back Into My Account. They? Took Money Out Of My Bank Account! Without Asking Me. I Got The Letter From Them! That! They Will Refund Me For {$9900.00} Dollars! They? Never Did. They Send The Letter On XXXX XXXX2025. BUT? They Never Put The Date On When! I Will See The Money. Just! Said That I Will Get The Money. It Has Been 18 Days! That I Haven't Seen The Money Back Into My Account.