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

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. Also, I found the following accounts that do not belong to me that should be removed as well : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX,XX/XX/XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received on my email that an inquiry was placed on several of my credit reports with XXXX, Experian, and XXXX on XX/XX/ 2023. And I placed a Fraud alert freeze on my identity. Some how my XXXX was compromised so I went online to the credit report agencies besides XXXX they wanted me to pay to place a fraud alert and a freeze hold on my account. XXXX XXXX  XXXX placed a hard inquiry on all 3 of my credit reports when I didnt request a loan. My XXXX  devise was compromised. Please have these credit report agencies to remove this fraudulent hard inquiry off my report. These credit report companies work and promote these loan companies. So that this affects your credit so that a hard working consumer is taking advantage of lower the score to hit them with a high interest rate. I feel they should of contacted me before a inquiry was made. This was a identity theft devise that a hacker tried to get a loan on my behalf. Please assist on having this removed.
Product: Prepaid card

I tried to reach out to speak with a cash app representative, but there was no customer service number to be called for the issue I was trying to get resolved. I needed to dispute and money transfer, but was unable to get in contact with anyone. That put me in a very bad position of inconvenience. I really needed to dispute the charges or the money transfer because it affected my finances.
Product: Payday loan, title loan, or personal loan

XX/XX/21 amount financed was {$2000.00} 198.30 % APR would make total paid {$8100.00}. I am really struggling to make payments but am up to date so far. I believe I have made XXXX payments of {$150.00} bringing my total paid already to {$2300.00} so they have already made their money off of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against One Main located in XXXX, IN. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, One Main has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Checking or savings account

I tried to make an atm withdraw with my Cashapp debt card yesterday on XXXX/XXXX/23 at XXXX in the amount of XXXX the atm said " request exceeds daily limit on the screen, as well as printed on the receipt, and no money was dispensed. I immediately checked my cashapp account, where i saw that the amount of XXXX was taken from my account. I called cashapp customer support to file a claim, where i was told that the customer support representative could see that it was a fault in the atm, and that my money would be refunded by the end of the day on XX/XX/23. i asked for a case number in case i had to call back in the morning if the funds were not back in my account, to which she gave me a fake case number. no funds were ever deposited back into my account. today, XX/XX/23 i have spoken with three or four other customer service representatives about this matter, all of which had contradicting information to give me. one representative hung up on me, all representatives refused to allow me to speak with a manager. i have done extensive research into the matter to see if this is a common issue, to which i found an overwhelming amount of complaints regarding similar issues.
Product: Debt collection

I called the office to request the balance of my judgement. They gave me the total balance. I asked what the balance of my judgement was again, she gave me the total. I said, " how many payments have I made towards my judgement '' she told me, " that was what the receipts were for. '' I asked to speak to her supervisor, her supervisor did not want to hear how rude the collector was to me, she ALSO gave me the total amount. I asked her for just the judgement, she began to tell me how I should go about requesting the judgement amount. I let her know I asked her em ployee 3+ tim es and her twice and if someone could just give me the total amount of my judgement only. She gave me the judgement amount FINALLY. I hung up and as I was hanging up called them jerks. When I called back and asked to speak to the attorney, I was yelled at and told that THEY would n't be treated that way. Not one time did they ever give the mini miranda. The supervisor never said it, neither did the collector. I am pretty sure that is required for every collection call. They also never verified I was who I said I was. Not an address, a  SSN  a birthday. They could have essentially been giving my information to anyone who called.
Product: Credit card

XXXX XXXX. I paid and mailed the {$51.00} charge on XX/XX/XXXX. Target delayed processing the payment until 1 day after the due date and then submitted a late charge. I have subsequently sent XXXX letters to XXXX different Target address. No one has responded to any of these letters ( see attached ). Note that I have perfect credit with unlimited charging available on my XXXX.
Product: Credit reporting or other personal consumer reports

The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate. 

o My XXXX loan shows a period of delinquency when I was actually in an XXXXXXXXXXXX repayment plan. 
o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report.
Product: Credit card or prepaid card

I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and GM FINANCIAL with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE OPENED UP A STUDENT LOAN IN MY NAME FROM XXXX XXXX, XXXX IS COLLECTING FOR THEM. I PRESENTED THEM WITH A NOTARIZED IDENTITY THEFT AFFIDAVIT, ID THEFT REPORT, ALSO A POLICE REPORT IN WHICH I HAVE INCLUDED ( THROUGH UPLOAD ). EQUIFAX HAS REFUSED TO CORRECT THE MISTAKE, WHICH IS HURTING ME FINANCIALLY. XXXX  AND XXXX  HAS ALREADY REMOVED THE FRAUDULENT ACCOUNT. I KNOW OTHERS THAT HAS HAD THE SAME PROBLEM WITH EQUIFAX, UNQUALIFIED WORKERS ARE HARMING CONSUMERS CREDIT. I BELIEVE ITS A SCHEME, AND THEYRE DOING IT ON PURPOSE. 

FCRA 605B EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY.OF : 1. APPROPRIATE PROOF OF IDENTITY OF THE CONSUMER. 

2. A COPY OF IDENTITY THEFT REPORT. 

3. THE IDENTIFICATION OF SUCH INFORMATON BY THE CONSUMER, AND 4. A STATEMENT BY THE CONSUMER THAT THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION BY THE CONSUMER.
Product: Debt collection

Georgia Student Finance did not do what they said they would do. Representatives stated to me, that due to my medical illness. I qualified for a Medical Hardship, or Financial Hardship program. I was told that they would mail me a form to fill out, but I never received it. However, they are continuing to report late, and non payments to my Credit Report that has caused tremendous damage to my reports. Georgia Student Finance did not keep their word, and never reached back out to me to see if, or why I didnt receive the form. It seems they dont care, about my Medical illnesses and want to continue to ruin my Credit month, after month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been a client of this company, nor have I given permission for them to contact me via ANY means, yet they seem to know my name and phone number. They contacted me via text message last week. This is not OK with me.
Product: Debt collection

I rented a storage and paid in full for the service. they sent me to collections when this was paid at time of service
Product: Mortgage

I have paid my mortgage since Selene increased my monthly payment amount unknowingly in XX/XX/2019. I also believe that Selene has made several errors with my loan.

Please help me determine what steps I need to take to get my monthly payment reduced and also to get my principal reduced. I spoke with a Selene customer rep in efforts of making a partial payment however my partial payment was refused. 

Also please help me determine why the servicer sent me a check in the amount of {$0.00}. I have called in on numerous occasions to discuss the check with the servicer however none of the representatives were able to explain the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  you are in violation of reporting a alleged account that is in dispute it was not and has not been verified as legal or accurate to report XXXX XXXX XXXX has no right to report to you .you clearly are violating the FCRA this was referred to the CFPB case XXXX on XX/XX/2019 remove this account at once
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewed response of dispute letter I sent via USPS. Innovis Consumer Assistance on XX/XX/2022 response returned with Inaccuracies and deficiencies ; On Innovis credit file they are listing inaccurate unverified and invalidated listed below accounts. Moreover no consent by me the consumer has been submitted to me showing proof I consent to my private information being shared ; initially I requested Innovis REMOVE personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting act 15 USC 1681. Accounts named : XXXX # XXXX, XXXX.. # XXXXXXXX XXXX. # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX, XXXX .. # XXXXXXXX XXXX # XXXX, XXXX # XXXXXXXX XXXX  # XXXX, XXXX  # XXXX, all have deficiencies and inaccuracies ; these accounts are and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 15 USC 6802.15 U.S.C 1681 section 602 A. States I have the right to privacy. No financial Institution is not supposed to share my information to the third-party peoples. 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. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I despite all the fore-mentioned accounts and respectfully require Innovis to remove all said accounts.
Product: Credit card or prepaid card

On XX/XX/2020, I went to Value City XXXX to purchase some furniture the sales person XXXX XXXX asked me if " I wanted to open up a charge account '' I said yes and got approved. After the transaction was done she did inform me that the furniture that I just purchased was not in stock but it will be in a week, so she set up the next available delivery date which was XX/XX/2020. I did inform the XXXX that I had issues with Value City over 20 years ago about back orders and it took over 4 months to get a refund and she assured me I wouldn't have a problem like that again. Then COVID-19 came they sent an email changing the delivery date which was  understandable, then I went to the email again and they change the delivery date to XX/XX/XXXX again without contacting me. I started receiving bills and phone calls from Synchrony credit card company stating I was past due with my payments ... I informed them that I never received my furniture and I would like to file a claim. They took all the information and stated it will take about 60 day to investigate and you don't have to make a payment until this is resolved. About two days later I received a call phone Value City they left a message on my voice mail stating the new delivery date was XX/XX/2020 and contact us if this is not convenient for you, any date would have been okay but I still tried to call them back to let them know you need to adjust the date on my charges, know one answered. So, I see on the site from the email I have a scheduled date of XX/XX/2020. This is another month later on Monday, XX/XX/2020 I notice I have some voice mails I listen and they have been calling me on XX/XX/XXXX and XX/XX/XXXX asking me to call them to confirm,1 message states that they will be there as schedule between the hours of XXXX and XXXX then the other messages stated if I didn't call them back by XXXX they were going to cancel my delivery. I tried call them on XX/XX/XXXX, no answer I sent message through there website and the last message was if you don't delivery my furniture as schedule I need for you to remove the charges from the credit card account, know one has reached out to me as of the XX/XX/2020. I called Synchrony on XX/XX/XXXX and XX/XX/XXXX and I asked them to removed the charged due to them canceling my delivery again and they said the first case I put in was cancelled I would have to submit another claim. I asked who cancelled my claim and the agent could not tell me and I asked what was the finding and she could not tell me ... at this point I just want them to remove the charges of XXXX dollars I still owe XXXX for the carpet that I did receive total charges were {$2000.00}. At this point I believe the store and Synchrony is in this together to try to charge me for something they know I didn't receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look over my credit report and realize that i have hard inquires from the following companies and i reach out to them about the matter and also sent in a written letter asking that they send proof that i authorize them to run my credit. They respond XX/XX/XXXX with just telling me that they was authorize to run my credit. They did not send and proof like my signature authorizing them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX show 4 different statuses for 1 account. I have submitted whistleblower protection due to identity fraud and false allegations being used in court to obtain my property and destroy my credit. Due to some incorrect information being submitted on my behalf to agencies that were suppose to look into these problems not condone frivolous allegations, I suffered irreparable damage to my credit and identity. I have enclosed a copy of where I could not get a police report for theft and the response I received in 2020 when the ftc complaint was filed.
Product: Credit card or prepaid card

I have a balance with a 0 % balance transfer rate that Chase Bank keeps applying my payments over the minimum to before it applies them to my higher interest rate balance. I submitted an inquiry several months ago and went back and forth over many messages. They claimed this was n't happening, but it 's clear that it is happening from the progression of balances on my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone was able to open accounts in my name using my personal information and an old address I havent resided at in years. Cell phone accounts were opened up in my name as well. According to these companies the signatures arent mine and the years these accounts were opened I showed them proof I havent lived at the address in years
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/2020, I filed a dispute with the Three major credit bureaus XXXX, XXXX  and Transunion about the unverified account : XXXX XXXX acct # XXXX XXXX and XXXX In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of XX/XX/2020. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries on my credit report and to assert that my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated. The FCRA explicitly outlines the permissible purposes for pulling an individual 's credit report, and I did not provide consent for the following inquiries made on my credit profile. 

Upon reviewing my credit report from Equifax, XXXX, and XXXX, I have identified the following inquiries that were made without my authorization : ( XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not obtained with my consent, nor do they fall under any permissible purpose as defined by the FCRA. As such, I demand that these inquiries be removed from my credit report within 4 business days, as they are negatively impacting my credit score. 

I expect that you take immediate action to correct this issue.
Product: Credit reporting or other personal consumer reports

I sent a dispute, and it came back verified when I sent proof and evidence that the information was inaccurately furnished on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Notice of FCRA Violation Failure to Verify, Validate, and Provide Proof of Late Payment Reporting Dear Experian and XXXX, I am writing to formally dispute the inaccurate reporting of a late payment on my XXXX XXXX XXXX XXXX account, ending in XXXX. I have never been late on this account, and despite my repeated requests for verification and validation, both Experian and XXXX have failed to provide proof of the alleged late payment or the specific steps taken during the investigation. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes inaccurate information. Additionally, under 15 U.S.C. 1681e ( b ), credit bureaus must maintain maximum possible accuracy in consumer reports. Your failure to provide supporting documentation or a reasonable basis for continuing to report this erroneous late payment is a direct violation of these provisions. 

As a result of your failure to comply with the FCRA, I am requesting the immediate deletion of this inaccurate late payment from my credit report. Furthermore, I demand a detailed explanation of the investigation process, including : 1. The method used to verify the late payment with XXXX XXXX XXXX XXXX. 
2. The documentation received from the creditor proving the alleged delinquency.

3. A description of the steps taken to ensure compliance with FCRA requirements.

If this matter is not resolved within 15 days, I will be left with no choice but to escalate my complaint by filing a formal grievance with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will consider pursuing legal action for your failure to comply with federal law. 

Please respond in writing to confirm the removal of this inaccurate late payment and provide all requested documentation. You XXXX send your response to my mailing address listed above or via email. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I have 2 accounts at Wells Fargo, on thurs the XXXX of XXXX. I sent a friend {$500.00} through XXXX  and was called by fraud dept. I was fully verified and the transfer was sent to the receiving party, on Fri the XXXX I initiated a transfer by wire for {$1800.00} to my friends Wells account which was again stopped by the fraud dept, department, called in and they locked my online banking and have since told me to come in branch to verify Identity.I work 12 hours a day 7 days most weeks, I start work before the bank opens and come after closing. I have always been an online customer and don't have the luxury of coming in due to work schedule.I have been on the phone 2 times per day at least for almost 5 days.They refused to close my account upon asking, the agent on the phones name was XXXX.