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

Back in XX/XX/XXXX I sent in my first dispute to all 3 credit bureaus, ( XXXX, XXXX, and Equifax ) addressing the incorrect personal information that was being reported on my account. I asked for them to update my credit profile with my correct name, address, and employment info. I know due to covid things may have been backed up so I reached back out to them XX/XX/XXXX. In my XX/XX/XXXX dispute I addressed the same issues with my personal information and asked for verifiable proof of a few accounts that was being reported. I was sent an updated credit report that said accounts has been verified and no change to my profile in XXXX XXXX. I asked for a re-investigation and verifiable proof for selected accounts in XXXX XXXX XXXX. I informed them that according to the FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by Federal Law to verify through the physical verification of the original signed consumer contract for any and all accounts that's reported on a credit profile. I have not received any response to my dispute as of today XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the companies that I disputed. I do not validate any of them accounts and none of my personal information been updated. I have spoken with someone from XXXX and XXXX asking why haven't those accounts been removed yet or my personal information update and the response I got was they don't have to send me out any physical proof of the debt. So instead of continuing going back and forth I figured I'll reach out to you guys to see if you can help me.
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year> 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 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, credit repair services, or other personal consumer reports

I have unrecognized and unauthorized credit inquiries on my report. I have never had any accounts with any of these named inquiries, nor have i applied for credit with any of them. 

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

The account is closed & has been closed for years. I have disputed to get it removed off my credit reports & it has n't been removed
Product: Credit reporting or other personal consumer reports

Listed below are creditors that have reported inaccurate information to my credit report and would like to dispute these agencies listed below, I have included alleged dates and amount due that are being claimed negatively on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed incorrect information on my credit report from XXXX XXXX XXXX. Tried disputing with all 3 credit agencies but information still hasnt been removed. I spoke with XXXX XXXX XXXX regarding all 5 accounts and provided documentation from my insurance company showing accounts paid in full prior to going into collections. Creditor verified payments received and information will be deleted from my credit reports. Accounts will be removed and reappear after some time, I also spoke with the original provider who stated they have no information on file for me with me having an outstanding balance. Whenever I try to upload my documents when disputing the information isnt being reviewed properly. I want the accounts removed from XXXX, XXXX and Experian.
Product: Credit card

TD Retail Card Services Yard Card was opened to purchase a lawn mower. Yard Card has since merged with another bank or conglomerate. Spoke with customer service regarding a late payment shown on statement on XX/XX/2024. Customer service rep stated all payments had been made and their new system was not updating payments. XXXX XXXX received another late payment letter. Called customer service again, sat on hold for XXXX minutes and was disconnected. XX/XX/2024 received a phone call from TD Bank Collection Dept stating I had a {$480.00} late payment. I explained all payments have been made on time every month. She researched and showed every payment being made on time for history of account. She could no longer do anything but needed me to speak with customer service again to get it cleared up. Sat on hold for another 20+ minutes and disconnected again. Multiple chats online with customer service reps stating their system is having trouble posting payments to accounts but showed every payment has been made on time for history of account. No one can give us anything showing all payments have been made on time yet the account keeps getting late fees tacked on it. TD Card calls me 3-4 times a week regarding this late payment. I answer the phone and am disconnected until today. Collections dept. Tells me they can not keep the bank from sending update letters to credit bureaus stating late payments and will Not provide anything in writing. The only response they will give me is I can dispute with credit bureaus and have them investigate.
Product: Checking or savings account

Hi, Im just reaching out to report that shein the company hasnt been very helpful after my package had not arrived but marked as delivered I reached out to them to ask them if they could do something about it they did an investigation after waiting for 3 days I gotten no answer but just a question mark (? ) and I contacted and contacted but they just dont want to refund me I made a dispute with my bank already this is a complaint hoping my bank could resolve my issue. To get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I contacted Experian to dispute incorrect personal information. Particularly, a comment in the Notices section that says " the date of issue of your SSN can not be verified ''. At the beginning, Experian specialist did not want to dispute this item. But, I insisted. She agreed to dispute this item for me and told me we will get back to you with updates. 
Today on XX/XX/2020, I called Experian to ask about the result of my dispute and Experian specialist told me that they can not make any change to the comment in the Notices section. She explained that most US individuals have a similar comment placed in their report. 
I do not agree with the result of my dispute with Experian and I hereby complain against Experian because they are deceiving customers like myself and creditors by giving misleading personal information. I have my Social Security records up-to-date and Experian can definitely verify the date of issue of my SSN with the Social Security Administration that issued the number.
Product: Bank account or service

I called compas bank several times to do a simple address change. XXXX the first person i spoke with stated that I abandoned my account. I asked how is that possible and was told because I have not made any deposits or withdrawals recently. He said i no longer have access to my account until the inactive status is lifted. Once lifted I can have access. He was supposed to escalate to corporate to have re activated and said someone would call me within 24 hours. No call received. I called back the following day spoke to a XXXX. He said account would be escheted to the state If status not removed. He said they were working on it in fulfillment and should be active within a few days. I call back XXXX spoke to a XXXX who said it was never escalated and that the fulfillment person rejected it. She said they needed more information from me to have status changed. Again gave all my information. XXXX promised me account would be reactivated that day and that she would call me back. Today is XXXX and still no call. 

They are unable to tell me what date this supposedly took place. I have a considerable amount of money in this account and am not able to access it due to this inactive status. I 've asked to speek to a supervisor several times with no avail. I 've called and spoke to 4 different people this week with no avail. Latest call was on XXXX to a XXXX who assured me account issue would be resolved that day and was to call me back once resolved. Still no call nor am I able to access my account. I am at my wits end. I am waiting for the bank to open so I can call again this morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data XXXX  and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX and LCI on numerous occasions over the 4 months regarding public records that are not mine. Each time, they claim that they researched public records and verified it as accurate. I informed them that the XXXX XXXX of Georgia verified with me that they could not verified any public records in my name or SSN. And XXXX has refused to remove from my credit report. Under the FCRA act, LCI is a part of XXXX and is in violation my rights as a consumer. I want them to freeze access to my public records. In violations of my rights.

According to 15 USC 1681s-2, 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, credit repair services, or other personal consumer reports

I sent a dispute letter addressed on XX/XX/XXXX, XXXX, as my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed {$4300.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file.
Product: Debt collection

I keep getting calls from this company - Portfolio Recovery Associatess- calling for my DECEASED EX-MOTHER-IN-LAW - XXXX XXXX XXXX 
She passed away over FIVE YEARS AGO. HER DEBT HAS NOTHING TO DO WITH ME. 
I DIVORCED HUSBAND 10 years ago. 
THEY ARE ALSO CALLING MY XXXX year old daughter. Which is upsetting her every time they call about her grandmother, who she misses dearly!!!! What is wrong with these people?!!! 
Do I need to hire an attorney?!
Product: Student loan

Mohela has made an absolute disaster of my student loans. They are trying to charge me for a loan that was already forgiven, in addition to messing up payment schedules and amounts every billing cycle. They have no staff to handle calls in a reasonable manner. I'm within XXXX  months of the PSLF program and starting XX/XX/year>, they're trying to start XXXX more payments. I plan on seeking legal action against them, because of their miss management and gross negligence.
Product: Credit reporting or other personal consumer reports

Please be advised someone used my information. Ive never done business with Source Receivables M , See attached ftc report
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the inaccuracies their reporting, Investigation are being done in less than 24 hours showing that they are not doing a thorough reinvestigation they're stating " the account is " incorrect '' but has not been changed and will remain on my credit report '' causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

I went to XXXXXXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX to purchase a car. We initially agreed to pay the XXXX XXXXXXXXXXXX XXXX  for XXXX XXXXXXXX XXXX. I gave a XXXX deposit. At the end I ask the dealer for my copies he said he will email them to me and Westlake Financial the bank that s going to finance the car. He never did. When I contacted the bank, their documents were electronically signed by me and I never did sign anything electronically especially when I drove to XXXXXXXX XXXX XXXX myself. Only proof I have is the text messages me and the seller was communicating from. Where they creating fake emails to show that they did send the documents. Once I contacted Westlake Financials they had my correct emails which they get from XXXXXXXX XXXX XXXX. My main issue is with the dealer however Westlake financial had call and email me about a required interview to finalize the loan. When I call the bank somehow they waived that required interview.
Product: Checking or savings account

I received a solicitation to open a checking account which promised a {$600.00} bonus after {$5000.00} was deposited into the account and held there for 90 days. The account was opened on XX/XX/2022 with XXXX XXXX at the branch. 

Approximately 2 months later, the account was closed without me being informed and a check was sent to the wrong address, just as the 90 day account bonus was approaching. I never received the check which was fraudulently cashed once again without me being informed. 

Early in XXXX of XXXX I discovered this and initiated a process with the fraud department. It is impossible to actually speak with the fraud department and I have to call the regular customer support line which can not locate the account as it is closed. At this point I have spent countless hours with customer support, where despite me providing all the account information my claim could not be located. The fraud department only communicates through mail which frequently gets lost on their end. I have had multiple assurances from customer support that the claim will be settled as soon as possible. I have made multiple visits to the branch which was the only way to move the process forward with the fraud department. Ive provided all the required information by the fraud department only having to send certain things 3 times because it was never received even though it was XXXX  directly from the branch. At no point was I contacted by anyone to update me on the progress of the claim. 

As Im approaching an XXXX  months mark of opening this account, Im becoming convinced that the bank has multiple deficiencies in account management/tracking, internal controls, customer communication, and fraud processing. Furthermore, it was never explained to me why my account was closed, leading me to believe that the bank was trying to avoid paying the {$600.00} bonus indicating false advertising. 

Despite multiple failures on their part, the bank is still not willing to work with me to return my hard earned money
Product: Debt collection

This keep calling me and calling To pay off this debt I tried to get information and they XXXX pressured me pay it off and I dont even know what this if for my ex husband took stuff out in my name and I never ever have had my Own phone service I haven always been with my mom
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

15 U.S.C. 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

since XX/XX/XXXX I was working with freedom mortgage to refinance a home that I live in. I was given this company through XXXX XXXX to help me repair my credit and get some cash out for a rainy day istarted working with a XXXX XXXX XXXX aka XXXX XXXX XXXX # XXXX who at first was very helpful. then she turned me over to aloan officer XXXX XXXX  who mis reported and read things that are not true as reported and recorded by athree way call with XXXX and alady name XXXX who was in XXXX XXXX and could barely speak English it is now XX/XX/XXXXand no loan and wasted my time after giving them all the paper work I requsted I am XXXX man with a XXXX XXXX XXXX  and XXXX and suffer from XXXX and XXXX. i believe they contact my bank to discuss tis matter with out my consent and hurt my chances of getting the loan this was a waste of a month when i provide everthing they ask for and then some donot truste freedom mortgage say one thing do another
Product: Credit reporting, credit repair services, or other personal consumer reports

My family lives in XXXX and when XXXX attacked XXXX I was obligated to fly to XXXX to save my family and help them run from there to not to die. 
The situation was horrible there, the building were my family was living was bombed. I was there for couple months to understand what to do and was not able to make any payments from there due to internet and service problems. The payments were not going thru. I went there in XX/XX/2022 and came back to XXXX at the end of XXXX XXXXI contacted XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX and explained my situation, but they were very rude and did not even want to listen what happened. This is discrimination against people who are in danger and war. It was not my fault that my payments did not posted from XXXX and they reported 30 days late remarks on my credit reports ruining my history and scores. 
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX have violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Money transfer, virtual currency, or money service

This happened on XX/XX/2023. I have been in contact with this person who goes by XXXX XXXX via email. They offered me a position at XXXX, XXXX XXXX for {$35.00} an XXXX. Office equipment was required, so they sent me a check for {$3900.00}. After receiving and cashing the check, the following day ( XX/XX/XXXX ), they told me to send them {$1000.00} through Zelle for the office equipment with the corporate logo. As it turns out, the actual person, XXXX XXXX, was impersonating XXXX XXXX. I have gotten in contact with XXXX since, and XXXX has done this to several people. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, so this seemed legit as she was in the employee archive. I have tried to dispute the charge with my bank, but they said theres nothing they can do. I have filled out the forms to Zelle and sent them to my bank ( XXXX XXXX XXXX XXXX XXXX XXXXo that theyre able to send them to Zelle XXXX XXXX, Zelle says they do not cover issues like this. I need that {$1000.00} back. I will do anything, legal action, whatever. This will put my account in the negatives as the check will bounce as its a fraudulent check. Zelle has no period of refunds and supposedly doesnt refund scams.
Product: Debt collection

I was laid off in XX/XX/2020 due to covid and fell behind in making my payments to XXXX XXXX XXXX XXXX ( now sold to a collection agency I C SYSTEM ). I notified the company and tried to make small payments out of good faith. I've asked them to stop reporting late payments and they refused. As a result, they continued to report my payments late and my credit score has decreased. It's not that I don't want to pay them. Due to Covid and the loss of income I have been unable to. Please help, as I would like to purchase a home and this has had an adverse impact to my credit score.
Product: Mortgage

For almost year now I have been emailing, calling and mailing physical letters to Ally to send me information on home loan that is part of a divorce proceeding and they send me nothing. If you actually do get to talk to a human they transfer you and then disconnect you. This is now my XXXX complaint I have had to file in hopes they will send me the information I requested and need as my ex spouse could care less what happens with this loan and I am trying to fix the issues