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

On XX/XX/XXXX, I discovered some accounts on my credit report that did not be long to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and found out XXXX account on EQUIFAX account numbers that I did not recognize, The XXXX account with Unknown account that are not mine and they are on my EQUIFAX credit report, alleged account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit on XXXX to see a hard inquiry from JP MORGAN CHASE BANK dated for XXXX. I have not applied for any credit cards, anything a credit check would be necessary for, or given consent for my credit to be pulled. I began contacting CHASE XXXX to get this resolved. Their fraud department was closed so I gave up for the night with them. Submitted a dispute with XXXX XXXX and it was denied XXXX. Today, XXXX, I began calling Chase. I was redirected to 3 different numbers within the Chase company by the employees I spoke ( with no actual help, I explained to them my issue and they would give me a number and before I could clarify who I was calling they would legit hang the phone up while I was mid-sentence ) with to be redirected to XXXX. The automated service did not allow me to resolve my issue. I then googled XXXX and spoke with someone helpful to put a fraud alert on my credit but said I needed to submit a report here and gave me this website.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment as it has come to my attention that, despite previous communication, I have not received the requested Affidavit of Truth from this company. This matter is of utmost importance, and the failure to provide this document is causing undue inconvenience. 

Unauthorized Reporting of Personal Data, your prompt attention to this matter and request a thorough investigation into the unauthorized reporting of my data. Additionally, I request that all inaccuracies be promptly corrected and that I am provided with a written explanation of the actions taken to rectify this situation. 

If this matter is not resolved satisfactorily within 30 days from the date of this statement, I reserve the right to pursue legal action to protect my rights under the FCRA. I hope it does not come to that, and your bureau takes the necessary steps to rectify this situation promptly. 

I appreciate your immediate attention to this matter and look forward to a swift resolution.
Product: Mortgage

Pursuant to : section 1001 ( c ) of the Internal Revenue Code ( IRC 1001 ( c ), I have contacted Caliber Home Loans, et al, to determine the gain or loss from the sale or other disposition of a term interest in property, that portion of the adjusted basis of such interest which is determined pursuant to section 1014, 1015, or 1041 ( to the extent that such adjusted basis is a portion of the entire adjusted basis of the property ), and have still not received any information. They have Bonded my note in the XXXX XXXX XXXX XXXX and have not sent me the details which I have been requesting.
Product: Debt collection

I have been on a payment arrangement with Midland Credit to resolve a {$730.00} balance. We agreed that I would pay {$180.00} until the balance is paid. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, my payment of {$180.00} was made. Midland did not charge me in XX/XX/XXXX, even though I was set up for automatic payments, and now they sent my account to collections for the full {$730.00} even though only {$180.00} is due on my account and my payments have been made. Midland wrongfully reported me to collections since I am on a payment arrangement and they failed to take payment for XX/XX/XXXX. I called Midland today, XX/XX/XXXX at XXXX PST and spoke to a woman named XXXX and she said she could not help me because the account representatives assigned to my account do not work on weekends. This needs to be resolved ASAP by removing my account from collections and removing this false collection account from my credit report. I have attached proof of payments for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTIONS ARE INCORRECT, THE AMOUNT IS PAID TO THE ORIGINAL COMPANY. I DISPUTED WITH CREDIT COMPANIES BUT THEY DIDNT REMOVE FROM MY REPORT. 

1. XXXX XXXX XXXX X/X/2013 {$1300.00} 2. XXXX XXXX XXXX X/X/2013 {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX CARD Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX in reference to accounts number ending in XXXX and XXXX on Equifax credit file and acct number XXXX and XXXX on the XXXX  file which are the same accounts with XXXX XXXX under contract number XXXX. Per the agent is spoke with at XXXX XXXX stated the original office was closed and all the account were transferred to the existing office, who in turn reported the already settled account to my credit file. Under the provisions of the 1977 Fair Credit Reporting Act, I hereby request that your agency fix my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and XXXX you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Experian XXXX and XXXX is reporting a XXXX late payment for XXXX and I was never late and they will not remove my late payment its very frustrating now
Product: Credit card or prepaid card

On XX/XX/2019 i inquired to credit agencies why my FICO score had gone from a consistent XXXX to XXXX i found an outstanding bill for Comenity BankXXXX XXXX for purchase of a sofa chair, 3 dining chairs, and a dining bench. i had never received a bill because they did not have our  apartment number. They said my account was undeliverable. i paid the {$2100.00} immediately on XX/XX/XXXX after being mistreated by five less than polite people in their collections department. The process took two hours.

Although they were able to deliver the furniture to my apartment in XXXX, which required them to call me and find my apartment, get another {$1000.00} payment by phone, they were not able to deliver my statements! At the time of payment on XX/XX/XXXX, i asked to receive a detailed billing which they said they could not do but i could go online. They could not give me my account number to go on line but said that now that they had my correct address ( apartment number was missing ), they would send a bill and i could do that. They said my credit rating would be repaired since i only missed two billing cycles. 

it is XX/XX/XXXX, i have NOT received ANY statements and my credit rating is even lower ; not allowing me to refinance my mortgage. I am still unable to review my statement nor do i have my account number. How do they manage to contact me and make arrangements for and deliver furniture yet not get me my statements for me to make payment in a timely manner? 
i have written the bank a letter and sent an email with no response. Pottery barn has informed me that it is not their issue.
Product: Debt collection

I have this credit card I am paying and trying my best as I could to pay and explain through phone calls that I am having hardship. I Had set up my account on them as " paperless '' that way no one knows but me. Even though I received a call from them and I had explained my part whats going on and even payed an amount that I could for now. They still sending letters to my address and It happens my husband received now he opens the letter and sees details and created us a grudge and he instructed me to leave the house. Now I am homeless. but my car. and what makes me furious is they said I never had payed 5 payments but I paid monthly.
Product: Payday loan, title loan, personal loan, or advance loan

I had paid back my advance which they got the money back and was able to get another advance for XXXX dollars my account was overdrafted but if I look at ally transactions there's nowhere stating that XXXX in overdrafts anywhere that they til me to look at I've sent all screenshots of my account to them and u can see that no where on my account shows where and why my account is now XXXX for XXXX loan that was paid back I asked for my account info showing me a breakdown they keep telling me to look I have and nothing is there showing any breakdown of this so called transaction it's making no sense when u look at it it shows i paid it .pls help I feel lile they dont wan na help fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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.

XXXX XXXX Tue XXXX XXXX XXXX  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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX  and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX DEPTEDXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an inaccurate listing of Chapter XXXX Bankruptcy my consumer credit report.
Product: Money transfer, virtual currency, or money service

What Happened : I was the victim of a fraudulent scheme involving the platform XXXX XXXX. 
I transferred {$11000.00} to my Coinbase account, including {$6600.00} via wire transfer from XXXX. 
After funding my Coinbase account, I was misled into sending cryptocurrency ( XXXX XXXX XXXX ) to the scammers external wallets. 
Coinbases Response : I reported the fraudulent transactions to Coinbase and provided them with updated wallet addresses that the scammers are using. 
Instead of investigating further, Coinbase closed my case and stated that all transactions are irreversible, even though they have the ability to flag suspicious activity. 
Coinbase refused to provide any assistance in recovering my funds, despite my immediate fraud report. 
Complaint Against Coinbase : Coinbase failed to take appropriate action in my fraud case. 
They did not conduct a thorough review or assist in flagging or tracking the fraudulent wallets. 
Their refusal to escalate the case leaves me without options for recovering my funds.
Product: Debt collection

Capital one is reporting an account on my consumer reports and they have yet to verify and validate the debt. I submitted a request for them to send me an authenticated record of the account pursuant to Uniform Commercial Code Article 9-210 which states that the recipient must respond to the request within 14 days. It has been over 14 days and I have not received a response. I have requested that the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss, a copy of the 1099-c that was filed for the account, the truth in lending disclosures, the opt out disclosures, and any insurance claims for the account. I have also requested that they cease all communication both directly and indirectly which includes consumer reporting. Please see attached. I demand that they remove this account from all consumer reports.
Product: Checking or savings account

I contacted XXXX XXXX ( dba Credit Karma ) on XX/XX/XXXX seeking an explanation for dispute being denied. For reference the dispute was regarding software purchased from XXXX XXXX. The software appears to be missing files so it is not usable. I contacted the merchant ( XXXX ) and the third party seller ( XXXX XXXX ), neither responded beyond a link to self help troubleshooting ( which did not work ) and says to contact support if troubleshooting does not work. Still Credit Karma denied my claim and sent the denial letter to my former employer, whose address has never been on file with my personal checking account. 

When I reached out to Credit Karma support I was told the disputes dept is a separate dept with no means of being contacted. This 'investigation ' took 40 min and during that time I was told I needed to respond to emails requiring I upload photos of my id and me holding the id, 3 times in 40 mins with the same agent. When I asked about this, the call was disconnected. After a few tries I got back to a person and was told my account was now locked and they can't help me until it is unlocked. I asked why and was told, again the dept that handles this has no contact and will send an email when they review my account, 5 days later no email. I have called to request the email be resent and I was told continuing to contact support would further delay my account being unlocked. During this time I have no access to my money, no way to transfer or withdraw, deposits can't be received and I can't close the account. 

This interaction has been so distasteful I attempted to delete my account with all XXXX products ( XXXX, XXXX, XXXX, XXXX and CreditKarma ). After contacting each company individually I was repeatedly told my account can't be deleted due to the hold on my Credit Karma checking account. Which seems unlawful given the fact that I pay for a membership to these sites. Not to mention my bank attempting to withhold access to unrelated services from completely separate companies seems a broad overstep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to fix inaccurate and fraudulent information on my credit report. Equifax has consistently REFUSED to even investigate. I have been sent letters saying they won't block fraudulent accounts despite sending in the FTC IDENTITY THEFT AFFIDAVIT for the fraudulent accounts. They said in other words that I was lying instead of actually investigating. 1 particular account wasn't even in my name or address, but they refused to even look into it.

It has since been taken care of by the original creditor.

They also refuse to delete inquiries that I did NOT authorize. The other 2 bureaus have done their job in removing inquiries that i did not do. I Am a victim of identity theft and my report is marked so. 
They repeatedly state that they are factual record. Factual record is that i have fraud and identity theft on my credit report. They consistently refuse to do their job.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which, violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Delta Management Associates contacted me at my employer informing me I am in debt to them. My employer received wage garnishment letters and threats with a lawsuit if Delta did not receive payment from them. Personal information Delta claimed to be mine was inaccurate.
Product: Credit card

Hi I have XXXX credit cards with XXXX  and they charge credit card limit increase fees. I agree to pay interest and for some cards annual fees, but limit increase fee, its too much. 
I found this " The CFPB 's regulations ( specifically 1026.52 ) prohibit card issuers from requiring consumers to pay additional fees that would otherwise be prohibited, such as a fee for increasing the credit limit. " and they should consider this warning. 
I have been charged in XX/XX/XXXX and XXXX, {$49.00} each year and also on the card end XXXX, another limit increase fee for {$49.00}. 

I am looking to get these funds back and not be charged anymore.
Product: Payday loan, title loan, personal loan, or advance loan

Similar to the other claim I submitted. I did not realize how high the percentage rate was when applying for this loan. I am struggling to pay my bills between this loan and my other loan I am currently paying roughly {$860.00} a month. Im behind on my bills and would like to start saving to buy a house. The percentage rate in interest that I am paying is 159.56 % Im paying {$160.00} each pay and only {$38.00} is going towards paying off the {$1900.00} I owe.
Product: Debt collection

In 2023 I financed a gaming computer through dell financial services. When I received the computer it was not working correctly. After several hours worth of phone calls and trouble shooting with the device I told the tech support team that I didnt want the device and I wanted to send it back. They told they would not accept it and would send a technician out to repair it. That never happened. I called Dell back and asked why the technician did not show up but they did not provide a reason why and scheduled another service appointment. It still did not happen, I called and expressed my grievances and told them I did not want the computer and I was still under warranty but did not want the computer due to how many problems it had. They told me they would not accept it back and refused to repair the computer. I still have the computer and it still does not work, it wont even power on. Now im hoping to get rid of this debt since Dell did not stand up to their side of the contract by providing me with a working device that still does not work and refused to take it back or repair it. This thing still does not work and I would greatly appreciate it if this was removed from my credit report and the debt wiped as I have tried to return the device 4 times and was refused.
Product: Credit reporting or other personal consumer reports

This complaint is directed towards the Credit Reporting Company, Equifax, and is in relation to my previous complaint against XXXX regarding the same XXXX loan account. My previous complaint ID was XXXX. The XXXX  loan in question belonged to my late mother who passed away on XX/XX/2023. I was the co-signor on the account. Previously, XXXX would not update balance information on my credit report after the loan was discharged. They responded in writing confirming the loan was discharged due to her death with a XXXX balance. However, this information was still not updated with XXXX, XXXX, and Equifax, so I had to utilize the dispute process to request corrections on this account with all three bureaus. XXXX and Equifax initially corrected the information. However, XXXX did not. Therefore, I initiated another dispute which resulted in the balance being corrected, but in me being incorrectly reported as deceased. XXXX is currently doing an internal review to correct this for which I submitted a separate complaint with the CFPB. 
However, it seems Equifax caught wind of this and is now also incorrectly reporting me as deceased. I just spoke to them and have been advised to submit another dispute. 

At this point I've submitted numerous disputes in an effort to get this information corrected and feel I have no choice but to ask the CFPB to intervene on my behalf.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed a collection from XXXX XXXX XXXX in the amount of {$5600.00} that I didn't authorize. I am not liable for this debt with XXXX XXXX, I do not have any contracts with XXXX XXXX XXXX, they did not provide me with the original contract as I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX from Quicken Loans pulled my credit without my permission. Now it is on my credit report as a hard inquiry, and I wish for it to be removed. Furthermore, XXXX XXXX should be investigated for possible fraud or identity theft since his actions were against the law. 

Here 's his information : XXXX XXXX Quicken Loans Phone : ( XXXX ) XXXX NMLS # XXXX Thank you for your attention to this matter. 

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

I have continued to receive collection notices from Comenity Capital Bank due to an ongoing billing issue that I have tried to resolve with Zales. In XXXX of 2017, I made a purchase with my Zales credit card. Prior to making the purchase, my zales account was setup for automatic payment which was linked to my credit card. So when I made the purchase I was under the assumption my account would be automatically deducted. Two months later I received a call that my account was in collections which should not have been based on my Zales account being setup for AutoPay. The n I was contacted by a person from Comenity who was extremely rude and would not waive any late fees because of the issue. Then I filed a complaint with Zales Corporate office and a BBB complaint multiple times and did not receive any resolution. The supervisor stated he would reach out to Comenity Bank to have them contact me to resolve the issue. I paid the entire balance off and my credit score has dropped when I did everything right to try to resolve the issue.