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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are late payment errors on my credit report that dont align with my payment history. Please update the report.
Product: Debt collection

before the pandemic i stared i got a contract with XXXX XXXX on XX/XX/2020, but 2 month after covid stared and i stared having a lot of financial problems cause my income went lower, i call them to ask them to please stop the payments explaining the situation, the also opened an credit account and instead of they stop with the payment even i make a few of the payments the increased from {$500.00} to almost {$800.00} dollars, they send me to collection from the same company and i called them to ask them to stop cause im not willing to take vacations for now, I'm a healthcare worker and this is not the right time to be taking any type of vacations cause we don't know when this is going to stop. i called the credit card collectors and i ask them to stop calling me and to removed the balance cause i never used the services of XXXX XXXX the only thing i did was paid and looses money. The collector continues calling me at least every 5 minutes in the entire day i have blocked many numbers but they call and call. i dont want to deal with them and i don't want their services cause they are very desconsiderates this is a pandemic they should do exceptions with the clients if is that they really want the people to go and uses their resorts, this is the worse experience ever. i don't want them to keep calling me.

thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Far Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has Violated my rights. 

XXXX5 U.S.C 1618 Section 602 A, States I have to right to Privacy.

15 U.S.C 1681 Section 604 A Section 2, Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b, 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX is reporting a XXXX XXXX account that no longer exist.
Product: Prepaid card

I got no help from the representative I spoke with and they could not tell me why my card was not working with merchants that are supposed to work with AMEX e gift cards.i spoke with an Amex representative yesterday Tuesday XXXX the XXXX and got no help whatsoever.
Product: Debt collection

I have received phone messages from, caller ID reads, Possible Spam Call / Private Caller or Radius Global on Wednesday, XX/XX/2023 and XX/XX/2023, leaving messages for an XXXX XXXX to return there call. Ive called and informed a woman who answered that their company is calling my home for someone that does not live here and to stop. 
Calls continued as spam calls from this company via different channels. On Monday, XX/XX/2023 I received a letter, ( see attached ) addressed to XXXX XXXX to my address. I wrote on letter, return to sender, does not live here. I sent letter back without opening as this was not my mail, via delivery confirmation. I researched this and noted this company is a possible scam entity ( see attached ). The person XXXX XXXX does not live at my address. Im a XXXX XXXX XXXX XXXX with XXXX XXXX alerts on all my credit reports as to my job. ( see attached ). I would like the CFPB to assist in stopping this entity from continuing to harass and communicate with me. I do not know this entity nor owe anything to anyone but they continue to send mail and call my home.
Product: Credit reporting or other personal consumer reports

I found that there are some unauthorized hard inquires on my XXXX and Equifax Credit Report that I did not authorized this includes XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX Bank. I called XXXX and XXXX to file a dispute, by they have ignored my complaints and the hard inquires remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

My brother informed me that I received a letter in the mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and 3 inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX  XXXX {$740.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$150.00}
Product: Debt collection

I made a phone call on today XX/XX/2020 to Specialized Management to find out information about this bill and to try to verify if they had made attempts to contact me regarding the bill, because I never received any type of letter or anything notifying me of the collection. I was only notified of the collection because I saw the negative account placed on my credit reports. I spoke with two representatives ( the first was named XXXX, and the second was XXXX ), both who were rude and would not give me the correct information on what means they used to try to contact me. Neither of them gave me an opportunity to explain that I was calling to attempt to get information on the bill to validate the debt was mine, and if it was, I wanted to to settle the debt, and negotiate to have it removed from my credit report. I have had issues and filed a complaint on this same debt collection company before, because of their tactics, and I feel as though they remember my name, and that I filed an earlier complaint with the CFPB, and are resorting to retaliation. When I filed the initial complaint the owner of Specialized Management, XXXX XXXX, contacted me by phone and claimed that it was a misunderstanding and that he would like to settle any issues I had due to the treatment I received then, and now again, I am being disrespected and they are refusing to answer my questions. I feel as though our prior dispute, caused them to just try to negatively affect my credit, rather than contacting me about the bill. XXXX even pulled up an account during the call and gave me the wrong address as well, so I again I wanted validation of the debt.
Product: Credit card or prepaid card

Purchased XXXX  XXXX  through Best Buy .com and paid with a Best Buy credit card. I only received XXXX XXXX. I have called XXXX and they confirmed someone else has been using and activated the lost XXXX with a different XXXX ID. Per XXXX they advised this item over XXXX should have had a signature required request for delivery. If someone stole this XXXX prior to reaching my hands by law I am or not legally bonded to pay for this item. I demand that Best Buy send me the item I paid for or reimburse my credit card for fees plus interested.
Product: Checking or savings account

I had my account freeze. When ever I had not much funds they would penalize like XXXX dollars when it was put back almost immediately. Not recent I lost my card and I call to see if they can assist me with trying to get my money that was used and they did not believe me and I have stop using their service. My account remains open because is use to get my refund taxes and other payments. I for one have had the experience to deal with rude employers in total loss I would agree that tru out the years I been with them around XXXX that's on fees that sometimes I would get charge for not using the card. I never actually like the service I have a chase account currently.
Product: Credit reporting or other personal consumer reports

I submitted a formal identity theft dispute to TransUnion on XX/XX/year>, via USPS ( Tracking # : XXXX ) with supporting documents including an FTC Identity Theft Report, police report, and four forms of government-issued ID. My TransUnion file ( File # : XXXX ) continues to report numerous fraudulent accounts, inaccurate personal information, and a XXXX  XXXX bankruptcy that do not belong to me. 

The following accounts were never opened by me and are a result of identity theft, requiring immediate deletion under FCRA 605B ( 15 U.S.C. 1681c-2 ) : 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 Bankruptcy Ref # : XXXX In addition, TransUnion continues to report multiple inaccurate addresses where I have never resided, despite my instruction to retain only my verified address : XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. 

TransUnion has also failed to correct or remove a fraud alert statement that contains an incorrect phone number ( XXXX ) and may misrepresent my legal name. This alert is inaccurate and dangerous, as it defeats the purpose of notifying me about potential fraud attempts. My only correct contact number is ( XXXX ) XXXX. 

Despite my submission of all required documentation, TransUnion has failed to comply with multiple provisions of the Fair Credit Reporting Act, including : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block identity-theft-related data FCRA 611 ( 15 U.S.C. 1681i ) Failure to investigate disputed information FCRA 605A ( 15 U.S.C. 1681c-1 ) Failure to maintain an accurate and useful fraud alert FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 616617 ( 15 U.S.C. 1681no ) Liability for willful or negligent noncompliance
Product: Credit reporting or other personal consumer reports

The accounts listed below have violated my federally protected 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 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 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  I reviewed my Equifax credit report on XX/XX/year>, and observed incomplete and inaccurate information. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must use reasonable procedures to ensure the maximum possible accuracy of information in consumer reports ( 15 USC 1681 ( e ) ( b ) ). 

Under 15 USC 1681 : Consumer reporting agencies are required to promptly delete or modify inaccurate or unverifiable information after a consumer dispute ( 15 USC 1681i ). 
They must promptly notify the furnisher of information if it has been modified or deleted due to a dispute ( 15 USC 1681i ). 
Consumer reporting agencies are prohibited from furnishing information to any consumer reporting agency if they know or have reasonable cause to believe it is inaccurate ( 15 USC 1681s-2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX ran my report hard inquiries without my written permission. I verbally gave permission for them to run once to look at. After I declined there offer they continued to run my credit with different banks without my written permission. Which resulted in my score dropping XXXX points according to XXXX I called and spoke with finance manager whom argued and lied to me about doing it
Product: Credit reporting or other personal consumer reports

Over the course of TWO YEARS, I've sent multiple letters to Experian to verify these late payments. I have not received any response or update on this account. Please investigate and verify this account as soon as possible. 

I HAVE NEVER BEEN LATE ON THIS ACCOUNT. 

I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late on this account to support your inaccurate reporting on my account. If you can not supply this, please DELETE these alleged late payments from my credit report per 15 USC 1681b.
Product: Mortgage

I had a mortgage that has been sold to new financial institutions throughout the XXXX years Ive been paying it but the last time it was changed, it became problematic. There are service and late fees that no other institutions charged. I tried calling the company, XXXX, to address the issue and they told me that those are their fees and there was nothing wrong with them charging fees. I called up the CFPB and they said I should try calling the loan provider and if they wouldnt help to make a complaint.
Product: Credit card or prepaid card

On XX/XX/2022 I contacted them for the 5th time about a replacement card because the card has my mother 's last name XXXX when my name is XXXX XXXX I've had problems in the past using it because of this when my ID says XXXX XXXX not only that when I first got the card there was an online purchase for a bike and I called and told them they never did anything on the matter on top of the high interest charges and {$12.00} a month maintenance fees that I was never told about that I signed on it I asked for evidence no answer I paid off the card and still get a maintenance fee charge when my balance is XXXX XXXX.an individual does that aand goes to jail how is it that they can get away with that? I still haven't gotten a replacement card either paid for something I never got and on top horrendous interest charges and fees.They are very rude and unprofessional and can't understand what they say either and it's been well over a year that I have called them about the charge and nothing and a few months and more than 4 times on the replacement card and nothing but they sure are quick to charge that maintenance fee
Product: Student loan

I've had people use my information to get a loan through Sally Mae which is now Navient since the government took over. This is XXXX and I've been trying to get this taken care of since XXXX with no luck. I've tied talking with Navient. I've done everything that they've asked me to. Each time that someone agrees to help me, the calls and letters stop for 1 1/2 to 2 years. Then they start back up again with someone else to talk to me who says that they have no knowledge of my previous conversations with someone else. I've talked to their fraud department. I've filed a report with my local law enforcement. like they asked me too. I've filled out their form that they sent me. That was mysteriously " lost '' with no record of it in their computer. They agreed to send me out another one to fill out and that never even arrived. Now I'm dealing with phone calls and letters again. In XXXX, they were sending me letters threatening to take me to court for defaulting on my loan which was done entirely online without me signing anything. I'm done trying to deal with them. I'm not going to talk to them on the phone. They'll have to take me to court to try to prove that I actually owe them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information in my report. Accounts : XXXX  {$800.00} XX/XX/2021. XXXX XXXXXXXX XXXX {$2600.00} XX/XX/2021. XXXX - XXXX {$1900.00} XX/XX/2021. Public Record : XXXX XXXXXXXX XXXX # XXXX
Product: Debt collection

In XX/XX/XXXX, American Express contacted my employer. I asked them not to contact me at work and to please contact my lawyer going forward. They never contacted my lawyer. On XX/XX/XXXX, I just received another call at work from American Express. Once again, I have asked them not to contact me at work and to contact my lawyer.
Product: Mortgage

Pacific Union Financial They have taken XXXX dollar 's from us and XXXX XXXX for Apprasails because the loan went from Conventional to FHA. We started the process in XX/XX/XXXX of 2018 and is now XX/XX/XXXX of 2018. They have given us 3 differnt close dates and we have spoke with 5 different employees that work for Pacific Union Financial out of the XXXX XXXX location and we were told one of the 5 is no longer with the company due to the way she handled our loan process in the begging. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. None of these employees have been able to close our loan for us we have sent them every document that they have asked for, they do not call back and the only person out of the one 's listed above that answered the phone when we called was XXXX. They are very incompetent and it left my family and i wondering if they are qualified for the dutys of their jobs. We are an exsiting customer of them and because of this we will be finding someone to refinance what loan we already have with them due to the struggle it has been to work with them. I strongly advise any looking for a lender to run far away if you see this company coming and to refinance if you are with them.
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 and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT APPLY FOR THE THINGS ON THIS REPORT. PLEASE DELETE
Product: Checking or savings account

On Thursday, XX/XX/year> when I usually receive my direct deposit from my employer, I did not receive the funds into my Capital One checking account. As of XX/XX/year>, my paycheck had still not reached my account via direct deposit. I received an email late Friday night from Capital One indicating I would receive the funds that evening, but they have still not reached my account.
Product: Credit card

XXXX XXXX 2016 SYNCB/WALMART received XXXX certified letters disputing XXXX account listed on my credit report. I requested, by certified mail, that the accounts be disputed in accordance with the Fair Credit Reporting Act Sec 623 ( a ) ( 3 ). Additionally I requested proof of debt bearing my signature. I received no feedback from SYNCB/Walmart whatsoever. I checked my credit report 30 calendar days since the receipt of my dispute letter, and the company had not requested the accounts be marked as disputed to the Credit Reporting Agencies. That act alone make them guilty of non-compliance of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] The information they are reporting is incorrect and fraudulent. I contacted the customer service section using the number provided on my credit report. I requested that the accounts be removed as they have already exceeded authorized time ( 30 Day ) to investigate the accounts, and provide me any documentation bearing my signature for proof of debt or account ownership. I want it rectified asap.
Product: Money transfer, virtual currency, or money service

I received an email stating that a company was trying to access my PayPal account for {$530.00}. I had not used PayPal since XX/XX/2023 and have never used it for so much money. I did not receive an order confirmation from PayPal for that amount or from that company and I did not make that purchase or authorize that transaction. I filed a dispute and talked to a customer representative from PayPal who assured me I had nothing to worry about. PayPal sent me an email at XXXX XXXX  today saying that this transaction is consistent with your PayPal transaction history which is a lie. I want that money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months to present date XX/XX/21 Wells Fargo continues to report balance increases on my credit report which lowers my report. My WF account is closed therefore no balance should be accumulating on my account. Ive attempted to resolve this through WF however they have not taken any action.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I want to stress how crucial correct credit reporting is for maintaining the integrity of the credit reporting system as well as for my own financial security. To maintain fair and transparent processes, credit reporting organizations such as yours must satisfy their requirements under the Fair Credit Reporting Act ( FCRA ). The FCRA was established to safeguard consumers like myself as well as other people 's privacy, and you will obey the law! Alternatively, you risk having to pay me {$1000.00} as a result of your noncompliance with 15 USC 1681n civil responsibility. 


I have been trying to work my way through your maze-like dispute resolution procedure for months in the vain hope of finding a solution that never seems to come together. At every turn, I've run into obstacles, delays, and an overpowering sense of dissatisfaction rather than solutions. It's depressing to observe how little consideration your organization appears to have for the serious consequences these mistakes may have for people just like me.

I have experienced financial damages as a result of multiple attempts to file a complaint, in accordance with 15 USC 1681n Civil Liability for Non-Complaint. As a result, your company owes me {$1000.00} plus my attorney fees, which will be related to my pursuing legal action. I hope you can see that this is my next course of action. I hope you realize that I have meticulously documented every response you have given me.