23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report the account XXXX Account # XXXX on my report and it is reporting inaccurately. There are several inconsistencies within the account which means it is not being properly validated. 

High Balance : {$1500.00} {$1500.00} {$1000.00} Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type : Home Electronics Sales and Service Miscellaneous Finance Sales Financing Creditor Remarks : Charged off as bad debt Profit and loss write-off loss aid balance it sared as a Charged off account Secured Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am filing a complaint regarding a charged-off account from XXXX that is being inaccurately reported on my credit report. The account is listed with inconsistent information across the three major credit bureaus ( Experian, XXXX, and XXXX ), which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2. Creditors are required to furnish accurate and consistent information, and the discrepancies in how this account is reported are causing damage to my credit profile. 

Under FCRA, I request that this account be deleted from my credit report due to the inconsistencies and failure to maintain accurate reporting. I have disputed this multiple times with no resolution.
Product: Credit card or prepaid card

Regarding CFPB Complaint ID XXXX. 

I have not received the response from the company about closing my account or confiscating my rewards points. The original complaint was filed to OFFICE OF THE ATTORNEY GENERAL XXXX XXXX STATE OF NEW YORK DEPARTMENT OF LAW BUREAU OF CONSUMER FRAUDS AND PROTECTION Intake Id XXXX I was never notified that the matter was sent to CFPB. I'm XXXX XXXX XXXX and need some assistance!!!
Product: Debt collection

These are small XXXX XXXX bills that are owed and I never received any billing statements or knew anything about owing these bills ( they are bills from 2 to 4 years ago ). I received a letter from a collections agency requesting that these be paid in full. I called the collections agency and was informed that I am committing an unlawful crime if I do not pay these ASAP. This is not right for them to try scaring me or making suggestions of this kind. I do not appreciate this kind of business tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent payday loan was made in my name. I became aware of the issue on XX/XX/6th 2023. I received a letter from XXXX XXXX about debt collection. The company name is XXXX. I reported that this was identity theft/fraud to them as well as XXXX, XXXX, and XXXX. I have put a freeze on my credit with all three reporting agencies. 
When I checked my credit report this shows as a bad debt.
Product: Debt collection

Took out a 60 month loan with XXXX XXXX XXXX  for {$11000.00} at 19.99 % on XX/XX/2013. 

Total Payoff with interest would be {$18000.00}. 

We made 46 payments totaling {$17000.00} Went to make final payment and noticed several recent late fees on top of what should be a {$200.00} balance, company claims that we owe {$590.00}. 

I have spoke with several supervisors and managers with no resolution. 

I have sent all payment history to them as well. With no dispute over the amounts or dates!
Product: Credit reporting or other personal consumer reports

My social security number has been is several data breaches. As a result or during this time period, an address appeared on my credit report from Texas. I have never lived in Texas.
Product: Credit card or prepaid card

Hi, I have a problem. I work in XXXX. The company gave me a bank card for my deposits. It's called " shylight ONE. '' They hacked my account and made withdrawals from my account. cash withdrawals and it is not like that I have the history if you could help me I would greatly appreciate it it was in the month of XX/XX/2021 what they did was unfair Total {$2300.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. T

he presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did
not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has illegally added a inaccurate unverifiable account to my report without proper validation and did not notify within 14 days before doing so also company has failed to remove inaccurate accounts even after I have pointed out laws that were broken and is ruining my reputation and ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me.

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Debt collection

Today, Phoenix Financial Services called my husband of 3 months multiple times to attempt to collect a debt from Me. They verified my identity and information through him and then proceeded to explain the debt in which i owed {$910.00} but that they would settle with him for {$360.00} dollars and and how they would like to resolve the debt. We were not together when the so called debt accrued. They said he was listed as an emergency contact thats how they were able to find him but we were not together so that would be impossible. They have not contacted me even though my information has not changed. What they did was illegal, when my husband pointed that out to him, he argued and said nothing he did was illegal and if i did not pay the debt, he would report me for fraud. This company has illegal contacted my husband who is not listed on any document pertaining to this debt, verified personal information and broke HIPAA release law. They harassed my husband and me until i told my husband to ask them to no longer contact him and we had to hang up because we were being threatened and yelled at. Since their calls are recorded and monitored it should not be hard to hear the man enlisting his threat to report me for fraud because we asked him to not contact my husband but instead only contact me for my debt. 

I have never not responded to their attempts to communicate with me, i sent them an email asking for all information they have saying i owe this debt and have not received it, they have sold my debt now three times and have hit my credit report twice every time effecting it multiple points. They say they have sold my debt but yet the same company contacts me everytime, everytime i explain the situation and how we can resolve it. So this is not a matter of me dodging communicating as i stated Prior they record everything and should have recording of me contacting them as well so that they did not think i was avoiding them. They are illegally finding information about my life and using it to have other people pay my debt for me. This is illegal. We have been harassed and i am tired of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining about Equifax 's refusal to provide information about why my credit score dropped and how I can restore my old, higher score. I spoke to Equifax on XXXX XXXX, XXXX  as soon as I was notified by XXXX  about the drop in my credit score. 
Both the agent and supervisor I spoke to at Equifax refused to inform me what factor caused my credit score to drop and what actions I might take to restore my credit score to the old higher score. The supervisor told me that only XXXX XXXX  has that information. Only when I asked for contact information for XXXX XXXX, did the supervisor reveal that XXXX XXXX is not a separate company ; it is the model that Equifax uses to calculate credit scores. I feel that the supervisor was being cagey by not telling me originally that XXXX XXXX  is Equifax 's own internal secret model, and that, therefore, the supervisor has no way of telling me, the consumer, how to reverse the drop in my credit score. The supervisor said it could be that my opening a new credit card caused my score to drop and I might be able to figure that out when I get a copy of my credit report. When I asked if it turned out it was the new credit card that caused the drop in my score, could I improve my credit score by closing the new credit card account, the supervisor said he had no way of knowing. In fact, he said, closing the new credit card might cause my credit score to drop further rather than improve. This refusal to give specific information about what made your credit score drop and how ro repair your score is abusive.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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

Last year I called all three credit Bureaus regarding the inquiries thats been reporting on my credit report. I informed them that Ive contacted the companies and that they aggressively to remove them but hasnt the credit bureaus transfer me to the fraud department and I was told that the matter would be taken care of and now I still see these inquiries on my report including more. Ive been trying to get a Mortgage loan and when I see my report I see more inquiries reporting on my credit from this year XXXX. I have the MyFICO app which told me that my personal information is on the desk web. The inquiries thats listed on EQUIFAX : is XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan is being reported 210 days late by XXXX and I can't get a representative to resolve the problem or even respond to my concerns. My home secured by the XXXX loan is currently under contract however I have no place to move since obviously, no landlord or mortgage company is going to deal with someone whose credit indicates they are 210 days late on a mortgage. 

My Trial Modification was never granted on my loan when XXXX took it over from XXXX. As you can see from the attached I made the payments as agreed. Below is a summary of when these money orders were cashed. Whats more, every single one of my payments since the loan was transferred last XXXX has been made on time to XXXX with certified funds and delivered by certified mail. There is no factual basis whatsoever for disputing that I made each payment on time. Copies of the cashed money orders are attached. 

XXXX is now claiming to not have received one of these payments. This is the first time I have heard this. I am very concerned that it is not lawful for XXXX to simply ignore my repeated requests to stop placing inaccurate information on my credit report. Please help me to resolve this. 

Below is a summary of the attached money orders receipts and Trial Mod due dates. 
Trial Mod Payment # 3 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018, Trial Mod Payment # 2 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018, Trial Mod Payment # 1 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018
Product: Debt collection

IN REGARDS TO : ONE MAIN FINANCIAL XXXX XXXX XXXX XXXX MD XXXX I HAVE SENT COUNTLESS CERTIFIED LETTERS TO THE BUREAU XXXX   LETTING THEM KNOW THAT I'M A VICTIM OF IDENTITY THEFT. AS WELL AS FORGERY HAS BEEN COMMITTED AND THAT THIS ACCOUNT WAS OPENED FRAUDULENTLY IN MY NAME AND I HAVE NEVER DONE BUSINESS WITH THIS COMPANY NOR HAVE I EVER HEARD OF THEM. 
Im currently consulting with an FCRA attorney about escalating this matter to the next level because you have failed to conduct an investigation regarding inaccurate FRAUDULENT account on my credit report. Based on the FCRA and my counsels review of the FCRA, you are supposed to conduct a reasonable investigation on items presented to you by consumers. You have failed to do this on several occasions, which is a violation of the law. 

This is my last request to your company to follow the law and REMOVE THE IDENTITY THEFT ACCOUNT FROM MY CREDIT REPORT AS IT DOES NOT BELONG TO ME. I HAVE FILED POLICE REPORTS WITH THE OFFICERS SIGNATURE AND POLICE REPORT NUMBER AND I HAVE SENT THEM OVER TO THE BUREAU XXXX  AND THEY HAVE STILL FAILED TO COMPLY WITH THE LAW AND REMOVE THE ACCOUNT. I'VE EVEN SENT IT TO THE DEBT COLLECTOR AND ONE MAIN AND THEY HAVE NEVER RESPONDED BACK.
Product: Credit reporting or other personal consumer reports

XXXX XXXX balance is incorrect. My balance is actually {$XXXX}
Product: Debt collection

CONTINUING THE CLAIM MADE ON ANOTHER OCCASION UNDER THE NUMBER XXXX, I UPDATE THE PROBLEM IN THIS CLAIM. I AM A CUSTOMER OF BANK OF AMERICA, I ASKED THEM TO BLOCK A TRANSACTION FROM A CAR RENTAL COMPANY, CERTAINLY I MADE A CONTRACT WITH THEM BUT THIS CAR COMPANY IS CHARGING MONEY THAT IT SHOULD NOT BE CHARGING AND I HAVE THE PROOF. EVERYTHING STARTED VERY BAD WITH THE BANK BECAUSE I HAD TO MAKE THE CLAIM TWICE FOR THE FACT TO BE EFFECTIVE. THE BANK RETURNED THE MONEY TO ME AS I SAID IN THE PREVIOUS CLAIM, THEY SENT ME A LETTER WHERE THEY SAID THAT IF THEY NEED MORE INFORMATION FROM ME THEY WILL LET ME KNOW, HOWEVER ON XX/XX/XXXX I RECEIVED ANOTHER DIGITAL LETTER WHERE IT SAYS THAT THEY REACHED THE AGREEMENT CONCLUSION TO THE INFORMATION THAT I GAVE WHEN MAKING THE CLAIM AND WITH THE INFORMATION FROM THE CAR RENTAL COMPANY THAT THE TRUTH IS WHAT THE OTHER PARTY " THE CAR COMPANY '' SAYS. AS YOU CAN UNDERSTAND FROM THE ABOVE DESCRIBED, THE BANK REACHES A CONCLUSION WITHOUT ASKING ME FOR THE DETAILS AND EVIDENCE OF WHAT I SAY, BUT LIKE THE OTHER COMPANY SHOWS YOU PAPERS IF YOU BELIEVE THEM. BEING THAT I AM THE CUSTOMER OF BANK OF AMERICA, IF I TELL THE BANK TO BLOCK THE TRANSACTION, THEY SHOULD BLOCK FOR IT IS A JUDGE WHO DETERMINES WHO HAS THE TRUTH, NOT A BANK, THE BANK IS NOT RESPECTING THE PROCESSES OF A GOOD RELATIONSHIP BY BEING PARTIALIZED TOWARDS ONE SIDE AND WITHOUT REQUESTING DETAILS, THEY ALREADY RECHARGED ME THE MONEY, IN THE FUTURE MY REPUTATION IN THE SCORE CREDIT WILL DOWN AS WELL AS OTHER CONSEQUENCES, FOR BELIEVING IN THE EVIDENCE OF THE OTHER COMPANY.
Product: Debt collection

I purchased a home security system for our home. When the contract was activated we kept our end of the deal and the company XXXX XXXX did not. I was told before and during signing that my monthly payment would remain the same throughout the duration of the contract. That was not true because I started at approximately {$34.00} dollars a month, by the time I called to cancel the account which was after the system was fully paid for, my monthly payment was at $ XXXX. 

I called them and went through a verification process to identify myself and told them I was no longer interested in this service and to cancel my account. I was assured that the account was cancelled and I was not in arears when that took place so I am not sure where this {$490.00} is coming from. 

I had to file for bankruptcy in XXXX which was discharged in XXXX and XXXX was included in the bankruptcy. Out of no where I started receiving letters, calls, and now text messages from Mountain Run Solutions stating that they purchased the account in XXXX.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I bought a laptop on XX/XX/year>, online at best but, I never received the laptop, I communicate with Best Buy a lot of times, in many different ways, went to XXXX of their stores and they dont want to give me a refund, I have past through a lot of stress with this and i have been force to pay the monthly payment on the credit card from Best Buy because they dont want to give me a refund. 

I think the delivery man stole the package because the photo he took as proof of delivery was from inside his car from the opposite side of the street showing the building where a live from far.
Product: Bank account or service

there was a gentleman unknown too me that used my credit card to pay his Georgia power bill acct # XXXX on 3 different occasions. The first transaction was on XX/XX/XXXX {$140.00} the second was on XX/XX/XXXX {$250.00} and XXXX more transactions on XX/XX/XXXX {$320.00} XX/XX/XXXX XXXX. I filed these transaction with my bank and they closed the case because someone did a balance inquiry check and they say they are unable to determine if fraud occured. I informed them that I did n't check my balance so It had to be the person that payed there bills with my card. they asked me to send in further documentation so I sent the a Power bill that I got from the landlord that was for the same amount and date which was on my credit card statement and the account name they still did not reopen my case so thet gave me the option to speak with the merchant directly so I have spoken to the merchant in regard to these transaction and was informed that they would credit the charges back to my account if I can give the full XXXX digit card number that was used to make the transactions I indeed gave them the card number and was told the transaction was in process of being reversed. I called to follow up the next day to see if the charges was reversed and someone told me that they ca n't reverse the charges because they are fraudulent and they told me that XXXX was misinformed to reverse the charges. they told me I have to contact my bank. So I informed to them that I do n't have a bank and the card that was used is a prepaid card. I gave them the dates, amounts and the whole XXXX digit card number in order for them to look up the charges they found them and I was told they would be credited back to my account by customer service Rep XXXX ID EXTENSION # XXXX
Product: Debt collection

Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit. despite my effort to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and do not reflect my true credit history. Upon reviewing my XXXX report, my information has been exposed to the XXXX XXXX  over XXXX times. Thank you
Product: Money transfer, virtual currency, or money service

I had disabled my card on cash app because I noticed a unauthorized transaction for just a {$1.00}. I called the company which was a construction site and they said there was no way it was them. The next day another unauthorized transaction tried to go through for XXXX in NY. So I immediately reported my card stolen. They were sending me a new card. A couple days later, before I even received the card, I enabled my card just for a few mins to send someone {$20.00}, and my card got drained. 3 more transactions to XXXX in NY totaling {$990.00}. I hadn't even received my card yet or even used it. I reported my card stolen again, I got a new account number, new card info and another 2 unauthorized transactions tried to go through but was declined because my card was disabled. I contacted XXXX, they tell me to contact Cash App. Cash App tells me I have to wait till the transactions are no longer pending. I file the dispute and they said they will contact me within 10 days. That was done on XX/XX/XXXX and XXXX. I contacted their support through the Cash App app. They tell me my cases have been escalated and the will notify me through email with a update. I just really need my money back, I live off XXXX.
Product: Credit reporting or other personal consumer reports

These names and addresses has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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. 16815-2 ( AX1 ) 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: Debt collection

I am a identy theft victim and have this on all 3 bureaus and someone opened several accounts without contacting me to confirm now portfolio recovery associates has purchased these and has been hounding me for money I am XXXX and can barely afford my bills but they have taken it upon themselves to hire lawyers and sue me for this debt I had already sent each company a police report before they sold the accounts I have been bullied into paying to of these to stay out of jail the credit bureaus say they investigate and always find in favor of portfolio this is very stressful and wrong
Product: Money transfer, virtual currency, or money service

Cash app unauthorized transaction never were able to disputeXX/XX/XXXXcharge transfer I need didnt and never received refund promised