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

This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX {$270.00} Date Opened : XX/XX/year>
Product: Checking or savings account

On XX/XX/2020 I balanced my check book with my bank statement at Regions Bank. I subtracted multiple automatic drafts from the balance all due to be withdrawn on the first of the month. I then paid several bills and had a {$97.00} balance. On the XXXX of the month an unexpected draft was pulled as the annual renewal for my web page. It was {$96.00} and I was naturally concerned but according to transaction register had {$1.00} remaining. However, I checked my mobile account and noted a {$14.00} negative balance. I called the Regions national number and spoke with an associate named XXXX asking if NSF OD fee could be avoided by deposit to cover that amount since my payroll check would be in XX/XX/2020. She assured me there would be no overdraft fee. However, XX/XX/2020 I found a {$36.00} nonsufficient funds charge. I pulled up account activity report and it appeared that the {$14.00} overdraft resulted from the overdraft fee itself. I called the main number for Regions national and waited 32 minutes without speaking to anyone. I then called local bank and spoke with an associate and the manager, who said that the report just " looked funny '' and that they wished it looked different but the overdraft fee would stand. I then rebalanced the XXXX statement and rechecked my XXXX math twice and could find no reason for the overdraft. I then called the national Regions number again and was advised that the overdraft was charged because of " pending '' drafts on my account and that Regions was not at fault in any way but that XXXX ( an XX/XX/2020 charge ) and XXXX ( routine monthly transactions coming sometime at the first of each month were at fault because they had not " finalized '' these pending transactions. It appears to me that Regions may be " batching '' charges in such a way as to precipitate an apparent overdraft situation.
Product: Money transfer, virtual currency, or money service

When I signed up with the company I was told there would be no additional fees. Also, I was never told that the company takes their settlement fee first and then pay the creditor. It seemed like a scam that freedom debt relief paid themselves before they paid the creditor.
Product: Debt collection

My husband died XXXX. He had a XXXX XXXX XXXX XXXX for aboutXXXX XXXX and a XXXX XXXX XXXX for about XXXX . The XXXX XXXX XXXX was sent to ascension debt collectors. I paid 2 XXXXXXXX XXXX payment to ascension because they made me feel guilty but Ive found out the debt died with my husband. Ascewants to talk to my lawyer but I dont have one. Thats about it so far. They are very rude
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted Capital One Credit Card to have them remove all the VERBIAGE posted in the comments section permanently from my Capital One Credit Card file. I spoke with their credit services department related that the don't have a credit bureau department to remove the dispute comments. So, I then contacted all three credit bureaus who immediately deleted all verbiage in the comment sections. Within a few days I received credit alerts from XXXX XXXX XXXX stating that the comments were added back to my Capital One Credit Card File.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX Account # XXXX ( XXXX XXXX XXXX by XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) and Account # XXXX ( XXXX XXXX XXXX XXXX XXXX by XXXX ), 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: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

While trying to enter the XXXX XXXX XXXX XXXX program, I was denied because of loans taken out, as I later discovered on my record, from XXXX. 
I was able to figure out these were from XXXX University. My year of XXXX is XXXX, so I know I didn't take these out. They are in default, and the agencies that held them last on record are no longer in business, and I can not contact them. 
While I eventually went to college myself, it was hard in XXXX to obtain a loan, and I believe this may be the reason. Despite keeping track of or credit, my credit has always been low, and I have not been able to purchase a house either, but the main thing for me is to get this cleared up ASAP. I have contacted the Department of Education on the matter, but after talking with XXXX about it, they suggested contacting you because there may be years of abuse of my personal information.
Product: Money transfers

In XXXX 2016 I sent money by Western Union to a XXXX XXXX XXXX in XXXX. I do this often as I manage a small XXXX retreat center in Washington state. I made a mistake when I first sent the money by sending it to XXXX, forgetting that he was now in XXXX. I resent the money to XXXX. No problems. However, I called Western Union to see if I would be eligible for a refund of the money I sent to XXXX. It was never picked up due to the XXXX being in XXXX. I was told 'Absolutely! You will get a refund. Just do this ... .. ' Well, that was XX/XX/XXXX. I have been dealing with WU all these months being told each time I called 'just do this .... ' The last 'just do this ' was to send notarized statements of where I lived, my ID and I even included bank info. I was given the usual story ... .you 'll get a check in 1-2 weeks. I never received anything and they can not prove that they sent anything. The last 2 times I called I spoke to supervisors who essentially gave me the run-around. The last one even said 'yes we have all your information including the notarized documents. Just send us more notarized .... ' I cut him off and said I would not do that, that they had everything they needed for the refund. He actually laughed!! I have documented all of my conversations from XX/XX/XXXX through XX/XX/XXXX. 
Obviously they have no intention of refunding the money. Of course I would like to get my refund but more than that, I would like to see this behavior stopped. What happens to people who are not English speakers or who have trouble with complex directions or both? They are easy prey. Thank you for any help you can give.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never heard of this company before. I am not the owner of the student loan from IOWA XXXX XXXX, I contacted Equifax and address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an e-Oscar. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for..
Product: Debt collection

LVNV funding LLC has not provided validation of debt as requested. I also never signed a legal contract with LVNV Funding LLC, nor did I give them permission to purchase my account information. Failure to provide me with validation of debt is illegal. The original creditor wrote the debt off and received a tax credit. I have requested a 1099c on multiple occasions as well as validity of the alleged debt and have received nothing but cold texting, and harassment.
Product: Debt collection

Constant barrage of phone calls from Portfolio Recovery. 
Requested to stop calling but the calls continue to come in almost daily.
Product: Debt collection

XXXX calls monthly/weekly asking for payment of {$670.00}. Payments were made previously to XXXX XXXX beginning XXXX monthly in the amount of {$670.00} ending XXXX. Total amount paid {$22000.00}. Power of Attorney granted to XXXX XXXX XXXX. XXXX XXXX will not provide any information stated the business affiliation with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out bemuse I was that I need to contact you all because there is some items on my credit I dont know nothing about. I have tried to call and write every one of them and Im not getting anywhere with them. Its like a circus show. I doing this by myself and really could use some help with this. These items need to come off my credit and given to whoever they belongs to. I was trying to refinance my house and this is really holding me up. The items are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX. There are also some bankruptcys showing on my credit and this is what really caught my attention because I have never filed babkruptcy. I have also attached correspondance from XXXX XXXX and states the Bankruptcy records have been deleted from their public records files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a responsible credit consumer, I would like to request that my address be updated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my only name on my credit report be changed to XXXX XXXX. This is important because accurate and up-to-date personal information is essential for the proper functioning of credit reporting systems. By updating my address, I will be ensuring that any future correspondence from credit bureaus, creditors, or other parties is sent to the correct location. Additionally, updating my name will ensure that my credit report accurately reflects my identity, which is important for both legal and financial purposes. I appreciate your prompt attention to this matter and thank you for your assistance in maintaining accurate credit reporting information.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX, XXXX, XXXX  As part of a scam on me, I was told to purchase gift cards at this store-as I was purchasing " secured funds '' to replenish my bank checking and savings account that hackers from XXXX XXXX sites ( XXXX and XXXX ) had sent through a withdrawal or {$11000.00}. 
This person-XXXX-said he was from the fraud dept at my bank and was authorized to work with me on getting my money back by using my available credit on my credit card. 
On XXXX, XX/XX/XXXX, I went to XXXX and purchased the gift cards as he directed. 
{$7500.00} was authorized by FNBO, but {$7000.00} was denied. 
I called FNBO on XX/XX/XXXX to let them know of the fraud/scam and they said they would investigate. I called again last week to find out what was going on and the gentleman said because I purchased the gift cards, FNBO couldn't honor the claim and on XXXX, XX/XX/XXXX received a letter affirming the same. This morning ( XX/XX/XXXX ), I spoke to a fraud rep and again exressed my concerns about this matter and had filed a police report, a report with the FBI, and my other credit cards used in this scam, honored my fraud claims. I was not offered an appeal, paperwork to support the incident. FNBO does not offer the appeal as a matter of their policy.
Product: Credit reporting or other personal consumer reports

My grandfather passed away recently and I have been under a lot of stress. For the first time in years, I missed XXXX payment on a credit card which was the target card. It was for {$40.00}, and I never would have missed a {$40.00} payment had I not been going through what I was going through personally. I contacted XXXX and Told them about the situation, and promptly paid off the entire balance not just the past payment. They removed the late fee, which now brings my balance to negative {$40.00} or {$40.00} in credit. If you look at my past record of late payments on any of my accounts you will not see any late payments related to any of my credit card accounts. All three of my credit scores went down tremendously due to XXXX late payment. I contacted experian and XXXX and provided them with the new balance and the information given by XXXX. However, my XXXX XXXX has yet to improve. I have been locked out of the XXXX account for the XXXX or XXXX time, therefore I've had no communication at all from them. This is absolutely ridiculous that that my XXXX XXXX dropped XXXX points over XXXX late payment and they are so quick to drop your score, yet don't raise it again when you give them proof of what occurred. The credit bureaus are a scam. I also pay a fee every month for experience and have added numerous bills to their boost program, and not XXXX time has my score risen. It is absolutely ridiculous what they do to people, especially those dealing with a close relative that passed away who is already going through a very hard time in their life.
Product: Checking or savings account

After a recent move, found among important papers was a {$1000.00} ( 6 month ) Certificate of Deposit, # XXXX, issued XX/XX/XXXX, by XXXX XXXX XXXX XXXX ( NJ ). I took the CD to what was XXXX XXXX XXXX XXXX ( now Bank of America ) in XX/XX/XXXX ; they had no record and surmised the funds were " escheated '' to State of NJ and as a service, sent them a request. I received a letter from NJ Dept of Treasury, Unclaimed Property Administration, on XX/XX/XXXX, claim # XXXX, stating " unable to locate, '' send further information. They had all the information, a copy of the CD. 
On XX/XX/XXXX. XXXX, we ( wife and I ) went to my local Bank of America branch, XXXX, NJ. The helpful customer service agent re-submitted my claim to State of NJ, and Bank of America research department, Records Management, and said the bank manager would call me within two days. Instead, the bank finance officer called and said there was no record, they destroy records of accounts that have been inactive for seven years. I told him that my account was opened around XXXX and has never been inactive ; with the same account number, ( and a valid mailing address ( until XX/XX/XXXX ) on the CD ). He kept repeating that they have no records of accounts inactive for seven years, again and again. I told him my account was never inactive ; and I have a record, the CD ; I purchased it for security and safety, and if the records are lost, I still am insured against loss. He refused to listen, much less offer any help. The manager never called. 
On XX/XX/XXXX, we returned to the XXXX branch ( BofA ), and another request was resubmitted, and we should expect a " call from Corporate '' by XX/XX/XXXX. No call. 
About 2 weeks later, I received a letter from the research department, they were unable to find an active account! I called BofA Customer Service ( XX/XX/XXXX, XXXX ), and through a number of transfers, reached the CD department. I explained my situation, and after a number of times on hold ( the agent conferring with others ), I was told that inactive accounts were closed after 7 years. I told him " it's not inactive '' and after further consultation, he returned that they destroyed all accounts, active and inactive. I asked to speak to a supervisor ; his " team leader '' would call me later. I asked for a call back number. he refused. 
I have been told along the way, good luck getting your money, many have tried, but have given up after the run arounds, lies, and stonewalling. I have been a loyal customer for at least thirty years ( actually I opened an account there in XXXX after retiring from the Air Force ), loyal through all the changes from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX  and XXXX XXXX XXXX or XXXX XXXX and more. Same account number and mailing address and phone number. 

P.S. I do have copies of correspondence mentioned above, including the XXXX XXXX which has my SSAN on it ; but so does Bank of America, and many phone calls, recorded to mprove service. I will have to Fax what you need. ( I'm not very computer literate )
Product: Credit card or prepaid card

On XX/XX/XXXX I was already promised to be paid back for an unauthorized transaction that was made on my XXXX XXXX XXXX prepaid EDD debit card therefore I thought I would be getting my money back with him to XXXX  provisional credit days a lot of from XXXX XXXX XXXX I have been on the phone 15 times in the past 10 days and they said the on the second when I initially opened up the claim about the unauthorized charges of over {$900.00} that I would be receiving it on my new card as soon as I have in my possession I would have my all my money back that is not the case they lied to me and they are keep on running me around in circles and now I'm broke and can't pay bills
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding an unsecured loan with XXXX XXXX. Original amount was for a total of {$1500.00}. This amount was paid in full. However, somehow it was sold to a collection agency for a supposed amount that was not paid. I spoke with a Rep within XXXX XXXX that could not find the account, stating it had been sold to another group. She explained when these account are sold off, they no longer retain any records of these account. There was nothing she could find for me. She then further explained that at times, a missed payment fee or late fee, if left unpaid can incur other charges such as legal fees, and other non-payment penalty fees. This could possible explain why this account is showing on my credit report as over 6 months unpaid -account owing over {$8000.00}. Upgrades number is XXXX. 

I was then advised to contact Velocity about this matter, the company that had purchased this collection account. I contacted Velocity, spoke with a gal named XXXX. They simply asserted I owed that much and wanted payment. I wanted whatever proof or documentation they could show to establish the legitimacy of this claim. I strongly deny and dispute having this debt. {$1500.00} was the loan, and it was paid. They explained they did not have any records, but they have the account and want payment. 

I have submitted a formal dispute with Velocity, sent this via fax to XXXX on XX/XX/XXXX @ XXXX and XX/XX/XXXX @ XXXX. No response back from Velocity. Just collection calls. 

On XXXX XXXX I had received a letter from XXXX XXXX regarding {$7800.00} a debt they were collecting on behalf of XXXX XXXX. Somehow, they now have the account. I submitted a written dispute via certified mail, XX/XX/XXXX to XXXX XXXX. It was received per the signature card on XX/XX/XXXX. 
No response from XXXX. I have asked for proof or documentation to establish legitimacy of the amount they say I owe. I have yet to receive anything. 

I then filed a dispute with XXXX. 
Explained this matter, asked for the companies involved to furnish proof, explained they claimed they had no files or documents. It was just a purchased account for collection. I asked to have my record show that the correct amount was for {$1500.00} and was paid. Wanted the late payment dates corrected to reflect this. The results I received were that these companies state the account is valid an no changes would be made to my credit report. 

Without some sort of proof, documents, or any other substantiating paperwork, how can they say someone just owes that? What stops them from later saying I owe XXXX? This is not good at all. 
This has really damaged my credit report. I want to ask that this be corrected on my report. I did have a loan originally with XXXX XXXX, for {$1500.00}, it was paid.
Product: Debt collection

ACCORDING TO 15 USC 1681 n states person who fails to comply is liable to that consumer for not reporting accurately and i have over 17 deleted items on my report. Attached is my proof of claim and demand the remittance of {$1000.00} per claim in damages due to disenfranchising me and causing harm, life liberty and pursuit of happiness. see attached for evidence