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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 over 719XXXXn has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Product: Checking or savings account

My Cash App account was unexpectedly closed due to alleged activity that violated their Terms of Service. I was not informed of the specific activity that led to this decision, and I am confident that I did not engage in any actions that would breach their terms.

I contacted Cash App multiple times, requesting clarification and an investigation, as I suspect my account may have been compromised. Despite providing all requested account details, Cash App has refused to provide any further explanation or evidence of the alleged violation. Their responses have been vague, citing only generic references to their Terms of Service, and they have stated that no further action will be taken.

The closure of my account has caused significant inconvenience as I am unable to access funds and transactions associated with my account. I am seeking a detailed explanation of the reason for my account closure, as well as the reopening of my account if no violation occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my consumer report i noticed inaccurate accounts and information that does not belong to me, i didnt authorize to any of this information to be reported on my credit recorf, it's affecting my life!
Product: Credit reporting or other personal consumer reports

Im honestly in shock after finding inaccurate accounts on my credit report this morning. Ive been checking my report regularly, and out of the blue, discrepancies appeared. I refreshed my browser, thinking it was a temporary glitch, but the problem didnt go away. I really need the documents I sent to be checked properly so I can stop worrying about this.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

Dear Sir/Madam, Inreference to complaint ID XXXX The XXXX XXXX XXXX wakefield & associates or XXXX XXXX XXXX wakefield & associates as they call themselves claim they were not paid by my insurance for services they rendered to me in 2016.They falsified the amount of money they claim i owe them and reported false dates services were rendered.The current owner of XXXX XXXX is a XXXX XXXX and all those who work for him at every XXXX XXXX are his XXXX   XXXX.It might sound crazy and unbelievable but if you try to find out if it is the truth you will find no lie about it.They tried me to be a XXXX XXXX but it has never worked and it will never work.They are not quitting on me and i will never give in to be a XXXX XXXX.placing false debt collection accounts on my credit history is another alternative means to put me into a mess and try to me make me a XXXX XXXX. 
I tried to upload my proof of payment from my insurance company on XXXX so that XXXX can dispute the debt collection accounts placed on my credit history but it could not work.I currently don't have money to mail my proof of payment document to XXXX.Mailing and uploading is the only way acceptable to submit any dispute supporting document.Here is a detailed summary of my claims history summary report ( proof of payment ) from my insurance : Dos refers to dates when services were rendered Status refers to dates when they were paid Billed amount refers to how much they charged Adjusted amount refers to reduction money with medicaid Allowed amount refers to how much they were paid after a reduction with Medicaid Paid amount refers to how much they were paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

IDENTITY THEFT VICTIM DUE TO DATA BREACH FROM XXXX, AND OTHER CRA. HAVE DOCUMENTS OF FILE REPORTS TO FEDERAL ENFORCEMENT AND IDENTITYTHEFT .GOV
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$2000.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$6100.00}, {$2400.00}, {$6000.00}, {$920.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 4. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

10. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

11. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

12. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make the charge
Product: Credit card or prepaid card

I had a medical emergency and fell behind on payments to my Capital One card. On XX/XX/XXXX I called Capital One and entered into a payment plan with them to get the account back on track. The agent told me that she would set up three automatic payments at a lower rate, then I would make payments as normal. The first two automatic payments were made XXXX, and XXXX. The third payment was made XXXX. This resulted in Capital One charging me a late payment fee of {$38.00}. I accepted the payment plan offered by Capital One. I expected one payment would be scheduled each billing cycle. I did not request a payment plan that would result in late payment fees. I called Capital One about this on XXXX when I discovered the fee. Capital One acknowledged that their customer service agent scheduled the late payment as part of my payment plan, but refused to refund the fee.
Product: Credit reporting

Unauthorized inquiries and/or unknown companies : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I receive calls every single day, some times multiple calls in one day. They are calls for some one else, not me. They are pre recorded calls and are coming from Synchrony Bank. The phone number they are coming from is XXXX. Please make these calls stop. I have told them several times that I am not the person that they are trying to locate. But still the calls persist. Please, please make them stop. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collection companies do not have a contact with my signature.
Product: Credit reporting or other personal consumer reports

My account with MB FIN SVCS was never late! I have had exceptional payment history with MB FIN SVCS 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 in XX/XX/year> to XX/XX/year> to be removed. 

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.

MB FIN SVCS Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint as a follow up to the first Complaint I submitted requesting the Credit Reporting Agencies to remove the fraudulent account 's and information off of my Credit file. I sent a letter addressed to the Credit Bureaus on XX/XX/XXXX, to remove the accounts and inquiries that are UNKNOWN to me. I came across this law and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my first Complaints & I am including it again. I need the following items removed from my Credit File without delay : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$1000.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIT XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. If the Credit Bureaus believe that the disputed items legally belong to me, I require the Credit Bureaus to send me copies of proof of verification or any documents they may find proving such claims. In the absence of such documents, I expect nothing but the immediate deletion of the items in dispute.
Product: Debt collection

I received a notice from an Attorney advising that a property in XXXX, Ma known as XXXX XXXX XXXX was up for a forclosure sale on XX/XX/XXXX I called the Attorney 's office { Harmon Law Offices, XXXX XXXX XXXX, XXXX, Ma XXXX } to inform them that I was not the owner of this property. I do not now, nor have I ever owned real estate anywhere is the USA! The proper owner of this property has the same name as me. I spoke to a woman named XXXX at the office, and she stated that the problem would be corrected, and I would receive no further contact. Yesterday, I again received a notice about this same property from the same Attorney stating that the sale of this property was postponed until XX/XX/XXXX, at XXXX. It also stated that this notice was an attempt to collect a debt, and that any information obtained would be used for that purpose. My wife and I are elderly, XXXX and living solely on Social Security, and do not want to be held responsible for a debt that does not belong to us! We struggle to get by as it is, and have our own housing issues, as we are in danger of losing our apt . due to the owners selling the house. This has just added to the stress we are already under, and we want this cleared up as soon as possible, so we can focus on what we need to do. Thank You for your time, and I truly hope you can help us resolve this problem.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # ( XXXX ). And ( 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 had a 2nd property that I moved out of in XXXX of XXXX and had filed a forwarding address request with the USPS. I have since moved to XXXX and applied for a new home mortgage in XXXX of this year ( XXXX ). Upon doing so, found that there was a delinquency on my credit report from what would have been my final utility bill at the aforementioned property for {$68.00} that was never forwarded to me. Upon finding this out, I immediately contacted XXXX XXXX and XXXX XXXX, explained the situation and paid the bill in full immediately over the phone, of which I have a letter/receipt showing account paid in full. Thinking this would resolve the problem, I was told that it would have to now be taken off the credit bureaus ( XXXX, XXXX, XXXX ) by the collection agency known as MRS BPO , LLC headquartered in XXXX XXXX, NJ. Upon contacting them and asking for them to have the credit delinquency resolved was told the best they could do was to issue a letter stating that the bill had been resolved and the account was closed, and sent me a letter stating this. When this letter was presented to the bureaus, was told that this too was not acceptable because there was a sentence that reads " This is contingent on the clearance of any non-certified funds. If any non-certified funds do not clear, this will be null and void ''. The statement " null and void '' was also rejected by the credit bureaus and MRS BPO would not alter the letter to have this removed. We went back to the creditor XXXX and asked them to communicate with MRS BPO that this should be removed from my credit history and were told that that was against their company policy and would not. I have been provided letters now from XXXX, MRS BPO and XXXX all stating that the amount has been paid, but all refuse for one reason or another that they would remove this delinquency from my report so that I may indeed receive the above 800 credit score that I've maintained for nearly 2 decades, all over {$68.00} that the USPS failed to forward me, and now causing me to have a sub 700 credit score costing me potentially a higher mortgage interest rate and income that would be otherwise used to support my family. I am requesting your help to have this removed, as this plea/request is my last resort at this point. I have impeccable credit, and should not be penalized for the misactions by a very large organization ( USPS ) and the unwillingness of which there is absolutely no benefit for helping me to right this situation. Thank you in advance for your assistance.

PS - I was told by XXXX that all the collection agency ( MRS BPO ) had to do was send an " electronic report stating that my account should be removed from my credit file '' and they ( MRS BPO ) emphatically, rudely and unprofessionally denied that request and stated it was not their " company policy '' to do that. 

Original dispute address is : XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Debt collection

I received an " Income Execution '' in the mail from my Local County Sheriff 's office on XX/XX/XXXX. the Amount says {$10000.00}. I called the Sheriff 's office to ask if this real and who was trying to enforce this. They said there was a judgment on XX/XX/XXXX for the amount of {$5500.00} against me filed on XX/XX/XXXX. they gave me the Dedt Collectors information as Selip & Stylianou , LLP in XXXX NY. I called the firm and reported fraud based on them telling me it was from XXXX XXXX XXXX for a XXXX XXXX XXXX  Visa card. I looked up XXXX XXXX and said they went bankrupt in XXXX. I never shopped or had an account with XXXX XXXX.The dept collector said that they would put the account on hold and investigate the fraud. I never heard back from them nor did the Sheriff 's office until late XX/XX/XXXX. The Sheriff 's office told me to call the debt collector to follow up which I did. They sent me a letter on XX/XX/XXXX to return documentation. Certificate of Fraud, State ID, Proof of residence as of XX/XX/XXXX, Police report, Prior letters disputing the debt. I never knew about this until XX/XX/XXXX so there was no police report or certificate of fraud. They keep demanding a deadline to send this information to them. thank you XXXX.
Product: Debt collection

I have disputed several times with multiple XXXX XXXX XXXX the claims of this company. I have requested proof of validation containing my original signed contract, thereby verify ownership. As of today, XX/XX/2022 I have not received such documents, however said company persist on reporting falsely on my credit report, detrimentally damaging my identity and credit worthiness.
Product: Money transfers

I used Xoom.com to request a money transfer on XXXX XXXX, 2016. I received notification that the transaction was complete on XXXX XXXX, 2016. I use this service almost every month to transfer from my XXXX account to my XXXX account with no problem. This time I was travelling to the XXXX to be with family for XXXX and so, transferred a larger amount than usual {$1000.00}. XXXX I got to the XXXX, I was notified that my standing order to a XXXX company had been returned unpaid. This prompted me to check what had happened and I found that my {$1000.00} had not been transferred to may account. I have been in contact daily with Xoom, com since then and each time, they just say that they are waiting for an update from their partner ( I assume XXXX ). It is now 13 days since I requested the transfer and 9 days since they confirmed that the transfer was complete and I still have not seen the money. It left my XXXX account on the XXXX of XXXX. So Xoom.com has my money and is making interest off it, whilst I 'm unable to pay my standing orders!!
Product: Payday loan, title loan, or personal loan

I applied for a home improvement loan over the phone through XXXX XXXX at 9 % in XX/XX/XXXX of 2015. Prior to that, I had a checking account and a credit card with them that was in good standing. Because of this the fund was deposited into my checking account within a few days. Several weeks later, I received the loan documents in the mail requesting my signature and notice the interest rate was 18 % instead of 9 %. Immediately, I contacted the bank regarding this matter and was told, they would review the original phone call and make the proper adjustment. After a month, I checked my account and notice no change was made to the loan. I called again and was told once again that they would look into the matter and make the proper adjustment. Since then, I have made several phone calls, a visit to my local branch to resolved the matter, and was told over and over that they would make the changes but it never happened. After waiting for a year, I disputed the loan by certified mail. I gave them 30 days to respond but they never did. I have sent three certified letters and they have not validated my account bearing my signature.They are still reporting my account as being late to the credit bureaus and have refused to mark the account as disputed. This have greatly impacted my credit score negatively.