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

I go to look at my credit score on XXXX and I look at my report through XXXX and there is an Hard inquiry from XXXX XXXX XXXX. I have never applied nor had any kind of account with them so i called them and they confirmed that they do n't have anything on file for me and never have. Then i call XXXX XXXX to see what was going on and I was told to call XXXX who directed me to you all because they could n't help me which is why i am filing this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to complain to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.
Product: Debt collection

Apparently back in 2012, I visited the doctor ( I was still under my parents insurance plan ), and my insurance supposedly did n't cover any of the expenses. I had no knowledge of the debt being owed until I began applying for loans, credit cards, auto financing, etc. So once I found out about the debt, I called the collection agency it was with and asked for a copy of a detailed bill ( which they were never able to provide ). The debt was then transferred to a different collections agency who attempted to call me everyday at XXXX XXXX while I was attending XXXX XXXX XXXX. I was finally fed up with the collection efforts ( since no one could explain the debt and why the insurance did not pay it ), and disputed the charges through XXXX who found my claims to be accurate and removed the derogatory account from my credit report. Now, the other agences ( XXXX, XXXX ) will not remove the item as they say it is accurate. I do not undersatnd 1. Why my insurance did n't cover this debt ( my Dad had state benefits because he was a Conservation Officer at the time so he had really good insurance ) 2. Why this debt is still showing up on my credit report though it was removed by XXXX but is still reported by the others and 3. Why no one can provide me with a detailed bill. It has been 5 years of putting up with this nonsense and I refuse to allow this to impact my ability for financial success and one day owning a home.
Product: Credit card

Citi bank closed my account and I asked for the reason and they said because I made too much payments and used to much the card and they took also my rewards
Product: Money transfer, virtual currency, or money service

I have been trying to transfer money out of my coinbase account, but has locked me out of buying the money I need so I can do this. I verified my account back in XXXX and then tried to make a transaction on XX/XX/XXXX and they said I have to wait until XX/XX/XXXX to make any transaction, not giving a reason why. I then called back today, XX/XX/XXXX and they sent me an email that they had verified my account and also sent me another email that I can do transactions, but I still can't make transactions. When I called back they said I had to wait more, not giving a specific time and never giving a reason.
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  # 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 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

XXXX XXXX # XXXX is reporting a collection on my account that does not belong to me. I have not gone to any medical recently and not during the time that this is reporting, nor did I get anything sent to me indicating this could be mine. I do not owe this debt, the collection is not mine.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to request the removal of outdated accounts from my credit report. After reviewing my credit report, I noticed that there are several accounts that are more than seven years old and should no longer be reported.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BARCLAYS BANK DELAWARE Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Mortgage

I wish to submit a formal complaint against my lender Selene Finance XXXX. They have been a pure nightmare for me and my family since XXXX XXXX XXXX transferred my loan to them in 2013. The customer service representatives are not very helpful at all and they tend to practice lying about mailing out any information requested by me, the homeowner. I have called numerous times in regards to my loan modification process. I was misrepresented as to the timeframe of when I needed to start the loan modification process. They have intentionally not been applying my mortgage payments in a timely matter which has further placed them in a suspense account, so that I can incur late fees. They also intentionally do not send updated information to their Bankruptcy Legal department reflecting that my account is current and up to date. They have even gone as far to send back electronic checks that have already been deposited yet I have not been given credit for, nor have the money been redeposit into my bank account. I feel that I am currently being force into foreclosure. I wish to save my home, because I have a son about to go off to college and XXXX little girls under the age XXXX.I appreciate your response to this matter and resolution.
Product: Credit reporting or other personal consumer reports

My account was set up for auto pay and when it was time to go thru it didn't work. Called multiple times to set it up and have payment go thru was told everything went thru only to find out I was behind when I went to make the new months payment. They showed we did try to make payment multiple times. Called to try to resolved it and they said they could not add any comments that it was their fault because they keeped messing up on our payment. Ended up calling again to make the past due amount and the new payment at the same time. Finally went thru but now shows a late payment on my credit report.
Product: Debt collection

My wife, XXXX XXXX XXXX, received a phone call on XXXX XXXX, 2015 from E.R.C using a phone number of XXXX. They started asking her all kinds of questions so she called me and I called the company back at XXXX. They said that their conversations were being recorded and that they were an XXXX company. I tried to find out what this was all about but they would not talk to me. I told my wife to call them back and give them permission to talk to me. 

After several phone calls back and forth it was determined they had the wrong person. I called and told them to delete my wife 's phone number and XXXX from their records or I would file a complaint. 

Yesterday, my wife had an incoming call from XXXX but she did not answer the call. 

This morning, XXXX/XXXX/2015, I received a call from XXXX wanting to speak to XXXX XXXX. I told them they had the wrong person and I gave them the last XXXX of my wife 's SSN and she said it did not match their records. The female then wanted me to give them my wife 's DOB which I refused to do. I then called them back and asked to speak to a supervisor. The supervisor, XXXX XXXX said the company was Enhanced Resource XXXX of XXXX XXXX XXXX, XXXX, Florida. I told him to stop calling us and to remove both numbers from his list and that I was going to file a complaint. 

After I got off the phone with him, my wife told me they attempted to call her again yesterday. 

I want to file a complaint so they will stop harassing us.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loan account is in DEFERMENT STATUS and should not reflect a late payment or negative. This is a violation against the FCRA. Why should they hold it against me? I disputed the accounts with credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HireRight is refusing to verify my past employment with XXXX for my new employer XXXX. HireRight has already verified my past employment with XXXX before for XXXX XXXX XXXX but now they are lying saying they are unable to verify it again. This will result in me losing my new job offer if the information is not corrected, verified, and updated.
Product: Credit card or prepaid card

Barclay credit card was paid in full minus the {$720.00} for an XXXX cellphone that I never recieved from XXXX XXXX XXXX XX/XX/2019. They didnt have the cellphone in the store, they claimed the only way to get it from the warehouse was to pay. I paid waited 45minutes couldn't wait anymore had to go to work. They gave me a small pink receipt for what would be a refurbished phone but I paid full retail price for a new phone that I never saw nor received. I told them to cancel the order the next morning less than 24 hours later they refused. Now my credit report is showing a charge off and balance due of {$1500.00}, when I owe them nothing. Barclays and XXXXXXXX XXXX are praying on the little guy. I dont owe for a phone I never recieved. XXXX XXXX XXXX bate and switched me. Barclays is trying to keep it going so they can collect interest. Original amount {$720.00} they claim i owe {$1500.00}. I DO NOT OWE XXXX XXXXXXXX XXXX nor Barclay Bank. Contact me XXXX XXXX XXXX XXXX, ( XXXX ) XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit reports and it reported a derogatory mark from XXXX XXXX XXXX about a XXXX XXXX XXXX bill. I dont know much about this kind of stuff but I when I closed my account it was never mentioned that any money was due. It says it was the past two years or so ago. However, I closed my account about a year ago, so Im not sure when this popped up, how long ago it was, or when it could be from.
Product: Checking or savings account

Im filing a complaint against Navy Federal Credit Union due to numerous overdraft fees posted on my account over years. Although Ive transferred sufficient funds before transactions were authorized, Im being charged additional fees causing my account to currently have a negative. This complaint is similar to CFPB recent investigations on Navy Federal Credit Union, with accounts left with insufficient balances even though theres available funds. The practices are unlawful and I would like an investigation of my account history.
Product: Debt collection

Subject : Complaint Against Debt Collector for Unauthorized Credit Access Dear FTC CFPB XXXX XXXX and XXXX I am writing to file a complaint for accessing my credit report under false pretenses. I believe this action violates the Fair Credit Reporting Act ( FCRA ) and warrants investigation. 
I have never given any permission nor signed any disclosures with these creditors. I have asked several times for docs and they continue to violate my rights. I have suffered damages as the information has caused me to lose my job and triggered severe emotional distress. I am writing this letter on my own initiative and free will. I have found inaccuracies in my credit reports, and the FCRA Act mandates that actual people, not computer programs, verify credit reports. Verification will come from talking to people I know, since the information provided by secondary credit reporting agencies is often inaccurate. I, the author, request that this content be removed immediately.Provide evidence of the debt, such as accurate bookkeeping. A signed invoice that attests to their allegations against you. A copy of the legally binding agreement that binds you and the other party ; send this letter by recorded delivery so that someone else can confirm receipt. I have sent them a cease and desist letter along with multiple debt validation letters. They refuse to send me an original contract. I have contacted the Creditor/Agency asking for proof of the alleged debt, specifically the alleged original application bearing my signature ; they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. According to 12 CFR 1022 subpart E, I am challenging the accuracy and integrity of the information. 
I have requested the FTC, CFPB and my legal counsel to investigate this matter promptly and take appropriate action against the debt collector in question. Your assistance in resolving this issue is greatly appreciated. FTC and CFPB reports have been filed. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and i realize i have damage on my report and according to the 15 USC 1681 law there should not be any damages on my report and it is a defamation to my character
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint bout TRANSUNION which has improperly reported that I hadtwo serious delinquencies on my record regarding a matter with XXXX XXXX. XXXX XXXX. This is not true and concerns. A Prior complaint I. Had field against XXXX Regarding oNE account wherein it refused to process my GAP INURANCE COVERAGE claim. THat matter- XXXX- resulted in Tyoata agreeing to accept my GAP INSURANCE AND TO CORRECT THE RECORD TO STATE I HAD NEVER BEEN DELINQUENT ON THAT ACCOUNT. 

NOW, TRANSUNION IS ASSERTING THAT I HAD TWO DELINQUENCIES WITH XXXX AND HAS REFUSED TO ACCEPT MY EFFORT TO DISPUTE ITS REPORTING ON MY CREDIT RECORD, TRANSUNION ACTION HAS CAUSED MY CREDIT-WORTHINESS SCORES TO SINK, AND THEY HAVE DENIED ME RECOURSE TO CORRECT THE RECORD.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting lates on my account that I do not owe in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These payments were being auto drafted at the time and it was the only way available that they had for me to pay them. I called them due to the error as the payments were supposed to be taken out but had payment errors I was never notified up, and the representative I spoke to said they would remove the lates as it was an error on their part. I have never been late on this account other than the failed auto payments and this late was not my fault.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request & Cease Unlawful Collection Practices I am writing to formally dispute the alleged debt referenced in your correspondence and to request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. I do not acknowledge ownership of this debt, and I am asserting my rights under federal law.

Pursuant to 15 U.S.C. 1692g ( b ), you must cease all collection efforts until you have provided the following : 1. Proof of Validation A signed contract or agreement bearing my signature, proving I agreed to this debt.

2. Itemized Breakdown A detailed statement of how the amount was calculated.

3. Original Creditors Information Full details, including the name and address of the original creditor.

4. Proof of Collectors Authority Documentation proving you have the legal authority to collect this debt. 
Additionally, I am asserting my rights under 15 U.S.C. 1692c ( a ) to request that all communication regarding this matter be conducted in writing only. You are prohibited from calling my phone number at any time. Any further phone calls will be documented as harassment under 15 U.S.C. 1692d and may result in legal action.

Furthermore, should you fail to provide the requested validation, any continued collection activityincluding reporting this debt to credit bureauswill constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), and I will not hesitate to take appropriate legal action. 
If this debt is not fully validated within 30 days, or if you continue to engage in unlawful collection practices, I will exercise my right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I am also prepared to pursue legal action in federal court for any FDCPA and FCRA violations. 
I expect your prompt compliance. Please respond in writing within 30 days from the date of this letter. 

Sincerely, XXXX XXXX
Product: Credit reporting

Two accounts ending in XXXX and XXXX, have incorrectly listed dates of when they became past due. Due to the failure of the University of XXXX, the original creditor, to report the correct first date of missed payment, to the consumer agencies, the date of removal from my consumer report is incorrect. I have attached direct correspondents with XXXX a representative of the University of XXXX, and the person that reviews these disputes. 

In the correspondence XXXX clarifies that the due date for the account ending in XXXX was XX/XX/XXXX, thus establishing the date of first delinquency. This is in divergence to the date of XX/XX/XXXX reported to the consumer agencies. XXXX establishes that the date of XX/XX/XXXX is actually the date that the past due account was forwarded to a collection agency. 

For the loan ending in XXXX XXXX establishes that as the guarantor of the loan the University of XXXX purchased the loan that was already in default and subsequently transferred it to a collection agency. The date of Advance to the collection agency, XXXX, is XX/XX/XXXX, that is also the date listed on my consumer report as the open date, and the erroneously used to determine the fall off date. The correspondence establishes that the date of first missed payment that leads to the cause of action happened well before the university purchased the loan as the guarantor. XXXX also establishes that the original advance date of the loan was XXXX : clarifying that the institution that she represents and is reporting to the consumer agency is unaware of the date that leads to the cause of action. 

Furthermore, XXXX in a preceding email states that these accounts should fall off my credit report in XX/XX/XXXX, seven years from date of last activity ( paid in full ) instead of the date of delinquency, indicating that she is woefully unfamiliar with or disregarding the FCRA. I have now made multiple attempts to have these issues rectified, directly with XXXX and with the credit bureau, and thus far have only been able to have debts erroneously reported as still owed marked as paid. 
The credit bureau has failed to investigate the claim, instead they suggest that I dispute the item each time I speak with them. That has worked to no avail as they close the dispute after the University states the information is correct, even though the documentation submitted to the credit bureau shows otherwise.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. 

Bank : XXXX XXXX XXXXXXXX ( Open XXXX ) Account # : XXXX Routing # : XXXX Incident Date : XX/XX/XXXX I dont recognize the following numbers in question. Im a victim of identity theft and I dont recognize this transaction on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

My credit report says XXXX XXXX XXXX XXXX XXXX reported a new account with late payments of {$10000.00} that I don't believe I have. They reported that on XX/XX/year>, and didn't say how much total is owed in the account, just that I'm late on {$10000.00}. It honestly all sounds pretty fishy. I will also note that I had my wallet stolen with a copy of my social security number in it and all my credit cards back in XXXX of 2021. I called the police and knew who did it, a XXXX driver, but no one could help me recover it. They used my credit cards and I canceled and disputed those charges. I've already made this consumer statement with XXXX '**CONSUMER STATEMENT** I HAVE NO KNOWLEDGE OF THIS ACCOUNT. '' but they didn't remove it from my credit report. 

They also haven't provided any proof, they're just stating I owe them this money that I don't know about.
Product: Debt collection

On XXXX XXXX my cash app card was negative XXXX, when before I had XXXX $ in my account. I reached out to cash app support but they did little to nothing. They told me to wait up to 45 days to let them investigate the situation. I understand that its a lot to do but I really dont have a lot of money to just wait. When the person who took my money quickly took the money out of my account. The city of XXXX is really going through a Great Depression on when its little to no work. Everyones out of work until they make the new vaccine mandatory.
Product: Credit card or prepaid card

Hi there my name is XXXX XXXX XXXX made a credit card payment of {$50.00} a couple of days ago. My payment date is XX/XX/2020. A few minutes ago I logged in to make another {$25.00} payment. It won't let me make another payment until XX/XX/XXXX. 

The two screenshots show the bank says my payment is due on XX/XX/XXXX but the next available payment date is XX/XX/2020 I am complaining about this because I am also having an issue with my ATM card at XXXX XXXX XXXX. It's an entirely new complaint completely separate. I had just complimented fortiva for surprising me with a credit increase before I made my monthly payment. If I can't get to the bank to get cash I can't put gas in my car and I can't work. It was very helpful. Unfortunately I am uncomfortable and needed to make another {$25.00} payment for security I have no idea when I'm going to be able to correct XXXX XXXX XXXX The bank 's name is fortiva.