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

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in an envelope sent to all three credit bureaus ( XXXX, Equifax, and XXXX ), this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. The account was also deleted from my XXXX  report as well so in order to correct the inconsistencies between the XXXX, Equifax, and XXXX  credit reports, the account needs to be deleted from the XXXX  and XXXX  credit reports immediately. 
The information for this account listed on my credit report is : CREDITOR : XXXX XXXX ( XXXX  ) and XXXX XXXX-FINANCE ( Equifax ) XXXX, BALANCE {$0.00}, OPENED XX/XX/2012, ACCOUNT XXXX ( XXXX  ) / ACCOUNT XXXX ( Equifax )
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over a credit report from XXXX, I saw that there was an address included that was incorrect. I believe I reported that to XXXX, but when I recently received a credit report from Transunion, it had the same address included as a past address. 

Both of the companies had also included a previous address that WAS correct, so I think one address was simply entered in error at some point. I just want that address deleted from all credit reports. 

The address that is incorrect is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX The correct address that both of them already include is : XXXX XXXX XXXX XXXX. 

So just remove the one starting with XXXX. 

THANKS! 
XXXX
Product: Debt collection

Resurgent Receivables LL is attempting to extort me for {$1000.00}. I never conducted business with this ompany. They have my personal information without my written consent. They shared my personal information without my permission. I have a right to privacy. This organization falsely misleadi credit reporting agencies by defaming me without merit and just cause. They stole my personal information. They are attempting to collect a false debt and reported the false information. This is defamation. I have a number of tines to contact them and other credit reporting agencies without justice.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Consumer Loan

The loan is paid in full due to a garnishment from my check now will not remove the balance of XXXX dollars. Have proof it was paid
Product: Money transfer, virtual currency, or money service

I have had 2 other complaints XXXX and XXXX regarding this issue, both closed by the CFPB when moneygram stated that the refund was available at XXXX. I returned again for the second time to XXXX XX/XX/2022 after receiving Moneygram 's promise once again that the funds would be there.

The transaction again failed with the " please inform the customer the transaction can not be completed '' page.

Once again, I beg the CFPB to demand Moneygram issue me a check to my address on file immediately. Moneygram is obviously incapable of conducting business and should have their license revoked for being either incompetent or an ongoing criminal enterprise.
Product: Mortgage

i'm a victim of identity theft and noticed fraudulent information on my credit report. I will like for this information to be blocked and removed immediately. i never gave you consent to report anything to my credit report.
Product: Mortgage

I been working on a short sale with Ocwen since XX/XX/2016 with the same buyer with no closing date in sight. I was hoping this process would be wrapped up in 2-3 months but they have consistently been giving me the run around. Now they want me to give up my HAFA relocation assistance of {$10000.00} which was promised to me and my family. They sent over a fax yesterday to my realtor asking us to remove it off the settlement statement but my family desperately need that money to move. When I ask my realtor to get an explantation yesterday from the bank 's negotiator on why I no longer qualified for the {$10000.00} they said they would find out what happened and this morning but I guess I offended them and they decided to get another attorney who emailed my attorney saying they are denying my short sale all together today. All because I wanted what was promised to me the {$10000.00} relocation assistance. Yesterday my short sale was good to move forward but when I ask why they ask to remove the moving assistance they come back with a denial after 6 months of wasting my time and serving me foreclosure papers in the mean time, this is not a game this is my life. Why does it take Ocwen 6 months to do a short sale with the same buyer and then go back on promises. They have dragged out the short sale since XX/XX/2016 and intentionally made documents expire in order to take my property from what I can see. We been going back in forth every month since XX/XX/2016 trying to get this short sale done for my family and I feel like they are acting as if they can do whatever they want.
Product: Checking or savings account

I got a text at XXXX on Sunday XX/XX/XXXX, as stated, " Freemsgs : US Bank Fraud : Did you attempt XXXX transaction? Reply XXXX or XXXX for a representative to reach out. Case # XXXX To Opt Out Reply Stop. '' I then got a call from US Bank ( caller ID verified ) at XXXX which lasted XXXX mins and XXXX secs. They told me they were the fraud department and seen charges on my account that looked suspicious. They said they were helping me correct it. While on the call they sent me another text at XXXX stating the following, " Your Verification Code - US Bank Cancelation with XXXX Your Reference Verification Code is : XXXX Please use this code to verify the Mobile Phone Number added to your US Bank QuickPay with XXXX profile. 
Dont share any codes during this cancellation with anyone. You can only use the code for this specific Mobile Phone Number. '' The call was disconnected shortly after that. I called US Bank ( I dialed the same number that called me the first time ), this is where they informed me I was a victim of fraud.They took {$3500.00} in total from my checking account ( XXXX transactions of {$1000.00}, and a 3rd transaction of {$1500.00} ). A representative with US Bank 's fraud department informed me that because it was through XXXX  it had to be authorized, so it is not covered/insured through US Bank XXXX These transactions were NOT authorized. We informed US Bank immediately and they refuse to help or reimburse the funds due to the fraud! I am in need of additional help with investigating these fraudulent transactions because I desperately need to get my money back. My family and I greatly appreciate any help! 

Transactions total : {$3500.00} Transaction Date : XX/XX/XXXX Bank Name : US Bank Bank Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : United States of America Bank State : XXXX XXXX XXXX Zip Code : XXXX Name on Account : XXXX XXXX ( joint account with my wife ) Account Number : XXXX Local Police report information below : XXXX XXXX, XXXX, XXXX, XXXX XXXX Police Department, report # XXXX, date reported XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This balance is paid in full and still reflects a balance on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th sending dispute request to Experian with no responses.. Can you all please look into this matter asap ... I want these items deleted immediately. 

XXXX XXXXXXXX NO CONTRACT-DELETE IMMEDIATELY XXXX XXXX -NO CONTRACT- DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXX XX/XX/1972
Product: Student loan

I am having problems repaying my loan all of a sudden. I have abruptly started into debt and forbearance as well. Customer service is univitingly and randomly obscure and ineffective.
Product: Credit card

In XX/XX/year>, I requested a balance pay off and was told the balance owing was for XXXX. I paid this balance in full on XX/XX/year>, and the account was closed. Since paying this balance off I have been receiving bills for late fees. Following is the late payment bill history for this year : XX/XX/XXXX - {$30.00} reversed late fee, XX/XX/XXXX - {$13.00} interest fee, XXXX another late fee {$27.00}, XX/XX/XXXX payment XXXX, XX/XX/XXXX, another late fee {$41.00}, XX/XX/XXXX, another late fee {$41.00}, XX/XX/XXXX, late fee reversed, XX/XX/XXXX, another late fee for {$41.00}, XX/XX/XXXX, interest charge reversed {$13.00} Latest bill for XXXX a bill for {$100.00}, despite the fact that this account is closed and paid in full. Please note that the amounts for the late fees varies. 

I have made several attempts to resolve this with CITI representatives with no success. The last conversation was in XX/XX/year>, when I was told that nothing can be done for me regarding this matter and that If I did not pay the fees there will be additional charges added on. 

My husband XXXX XXXX has a CITI credit card and he is watching this situation to determine if he will continue with the use of the credit card. I am asking for your your assistance with resolving this matter. 

XXXX XXXX
Product: Student loan

I was added as cosigner on a student loan through  XXXX   XXXX   XXXX  in  XXXX . When I fiiled out my portion of the paper work I added  XXXX  stipulations for the loan :  XXXX  Interest would be paid during school to avoid a Higher amount of principle at the end of school.  XXXX  I be notified if the loan payment is late.  XXXX  do not put the loan through if the stipulations are not agreed to by all parties.   XXXX   XXXX    XXXX  took my information, removed the stipulations, forged my signature on the note and pushed the loan through. they then sold the loan to  XXXX   XXXX   XXXX  and then National Collegiate Trust. The loan is serviced by  American Education Services  and despite 11 years of attempting to resolve the fraud with AES I am still unable to get any where. My credit has been and continues to be effected by the false reporting and including my name on a loan I did not agree to or sign for. I have spent over  XXXX  hours on the phone, sent in a fraud packet in  XXXX , contacted the governors office in Nebraska and Pennsylvania and Inspector Generals in both states as well. My credit is still effected. NCT and  AES  are the only negative marks on my credit history since  XXXX . I have maintained a perfect record of paying off my debts including  XXXX  of my own student loan fees. I have no problem paying off what I owe but I will not have my credit held hostage or give in to extortion on a loan I did not agree to or sign for.    Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan ) Issue Getting a loan : Qualify for a better lo an than offered
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
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/year>
Product: Credit reporting or other personal consumer reports

I have filed reports with CFPB, XXXX and Portfolio Recovery multiple times. They have aged this debt they claim I owe. The original amount they claimed I owe them is in dispute with the original creditor XXXX. Nevertheless they have reported this account as being opened XX/XX/year> which is FALSE. Portfolio have claimed they have investigated and confirmed the information is correct, XXXX, XXXX XXXX XXXX claim to have verified this information too. I previously complained about this with CFPB on XXXX. The date being reported is possibly the date they created the account they claim I owe to them, but this is NOT the date the account was opened with XXXX or the date of last payment. Re-Aging of accounts is damaging to my personal credit file and against the law. I am tied of getting the run-around on this issue. The behavior of all organizations involved is reprehensible. Please have them fixed this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Inquiries reporting on to my consumer report, reporting that I inquired about a car from several loan companies. I do not recognize any of the listed inquiries EXCEPT FOR XXXX XXXX. I OPENED A CAR LOAN WITH XXXX XXXX BUT I DO NOT RECOGNIZE ANY OF THE LISTED INQUIRIES : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXI Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub>XXXX XXXX XXXX, at approximately XXXXXXXX XXXX I entered the Chase Bank located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, as a non-account holder with a check issued by Chase Bank. I approached teller XXXX to request cashing the check. After processing the check, she informed me that there would be a {$10.00} fee for the transaction. I inquired about the possibility of a fee waiver, to which XXXX responded that a waiver could not be provided. I requested to see the disclosure regarding the fee and to review the bank 's policy, but both requests were denied. I then spoke with XXXX XXXX, Assistant Vice President, who was unable to locate the disclosure for the {$10.00} fee and indicated that the bank XXXX, XXXX, would contact me on the following Monday. On XXXX XXXX XXXX I spoke with XXXX XXXX, the branch XXXX XXXX, who confirmed the bank 's policy regarding the fee. I requested a copy of the disclosure or information about accessing it online ; however, this request was also denied, and I was informed that the conversation was concluded as no further assistance could be provided. Additionally, I received XXXX phone calls from the Chase XXXX department on Monday and Tuesday, during which representatives stated that their role was to gather information regarding the customer complaint, and they were unable to resolve the issue.
Product: Debt collection

I saw a collections account on my XXXX XXXX XXXX that showed a recent open collections from Carter Young. I never received written mail, email, text or verbal call voicemail letting me know there was an account going into collections on a bill that i never received in the mail or digitally in email. 

I have called then 3x times this morning and been hung-up on 3 times. I have reached out via online chat just to have it ended early with out any help or direction to take care of this.

I just want to get this taken care of but Carter Young is putting up roadblocks/ not aiding in getting this fixed. I have read reviews that they have been reported to the XXXX before so I hope something is being done or looked into about this companies and their managers practices. 

My credit score has been negatively impacted due to their tactics, lack of transparency and blatant lack of following consumer laws. 

At this point I don't know how to go about getting this fixed because they hang up before you are able to get your debt issues figured out and fixed.
Product: Debt collection

Attempting to collect money I do not owe them tried to reason with them to stop ruining my credit in which they have I've never had any dealings with lvnv funding at all they are trying to collect on accounts that have been closed for years they won't stop there tactics the accounts they are trying to collect on was written off by the original creditor I've spoken with so it's illegal what they are doing I want them to get there information off of my credit reports and delete the negative info
Product: Checking or savings account

On Friday, XX/XX/2023, I made a mobile deposit into my Truist checking account for {$840.00}. This was a payroll check originating at XXXX XXXX. Truist has held on to this deposit ever since. This is over 11 days. They said the reason was it is a new account.
Product: Credit card or prepaid card

Fortiva changed my account by opening a MasterCard that accrues interest instead of the account I had which is a retail account that doesn't accrue interest. They are refusing to move it back. I never authorized it. They are saying that an email was sent regarding the changes however I never got the email and something of this nature should never just rely on an email communication. Per the communication I had with them they said that : account was change to Retail Fortiva account to Fortiva Master Card account. Since the account as been changed the interest has increase from o % to 25.99 % This is very disturbing that this would happen. This is a bait and switch which they are not willing to fix because I didn't " opt out '' in time??? No mail was received, no email was received ... why would this be an " opt out '' situation?? This is a bait and switch. I have had the retail account for a long time and now out of the blue they are changing it and charging me interest. Aren't there laws to prevent this situation from happening?
Product: Credit reporting or other personal consumer reports

This morning, I came across inaccurate bankruptcy on my credit report, and I have no clue why they are there. I make it a habit to check my report, but this time, I found unexpected errors. I attempted to refresh my browser, thinking it might be a system glitch, but the mistakes persisted. Due to this issue, I kindly ask that my submitted documents be carefully examined so I can put this matter behind me.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> I checked my credit report and noticed there were XXXX hard inquiries on it from XX/XX/year> that I didnt recognize. I called XXXX to have them deleted and was told that they cant delete them because they are associated with a separate auto loan that was approved around the same time. I informed them that the auto loan that I was approved for around that time ( XX/XX/year> ) was from my credit union which was approved directly by the credit union so there was no need for XXXX other banks to pull my credit report. After further investigation XXXX was able to see that the XXXX hard inquiries were from Car Max. XXXX informed me the I should call Car Max to have the inquiries deleted. After several calls to Car Max where I requested a copy of a credit application with my signature on it dated on or around the date in question, I was sent a fraud affidavit to sign, but no copy of said credit application, on XX/XX/year>.
Product: Debt collection

XX/XX/2024, received a bill for {$3000.00} of which I " paid or were credited '' {$2900.00} " toward the 'debt '. 

{$0.00} was charged to me " in interest '' which I don't believe they can legally do. 

Furthermore, they have been paid and credited a significant amount for any work purported to have been performed and should not claim I owe them anything more. 

Finally, they failed to state anywhere that a medical emergency for under {$500.00} can not appear anywhere on a credit report. They should have stated that and also they had better not attempt to make that occur. 

I clearly dispute their purported debt and I wish to receive no further communications from them, including both written and telephonic. Thank you.
Product: Credit reporting or other personal consumer reports

I was a victim of XXXX data breach and would like all negative accounts removed and deleted
Product: Debt collection

Consumer Adjustment Company Inc. ( CACI ) is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. They have constantly disregarded the consumer credit reporting act that clearly states they can not add the item back unless more documents are provided and I am notified. They haven't done either of them. On XXXX I have had them deleted over 3 times in the five months and I've lost count before that. dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX