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

I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification In accordance to the Fair Credit Reporting Conversion Account has violated my rights.

15 USC 1681 Section 602 A states that I have the right to privacy 15 USC 1681 604 Section 2 it also states a consumer agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

This is a complaint as an update on my previous complaint of a fraud charge in the amount of XXXX that appeared on my card on the XXXX of XXXX. I contacted citi and they pushed it through and put a credit stating " security investigation '' on it. They are telling me there could be a charge back on my next statement!!! I honestly do not know what else I can do but I DID NOT make this huge charge and will NOT pay it! I have taken steps with multiple contacts to the merchant- the XXXX/XXXX  and they keep pushing me off to other people and say I have to deal with citi , however citi is not handling it properly. I don't know how much more clear it could be that a whopping XXXX purchase is not mine- I don't ever buy train cards in huge amounts or even make XXXX dollar purchases! I am filing a police report tomorrow but nobody seems to be helping me. Citi 's site says 0 liability for fraud- which this CLEARLY is and so there should not be a " chargeback '' on my next statement. This is causing me a lot of stress and I have no idea how this person stole from me but again- I DID NOT make this purchase. I have 0 evidence that I can provide since I wasn't there and they tell me it was made at XXXX in the morning when I was in bed! Citi is acting unethically and not filing it as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to have Equifax, XXXX and XXXX remove items from my credit report that wasn't mine. They've refused. Even when I filed FTC and police reports. Please have them remove the items listed in my FTC reports.
Product: Debt collection

Account with Bank of America was paid off XXXX  years ago. Bank of America was suppose to remove off credit report. Account still shows closed on credit report
Product: Debt collection

I keep receiving text messages and phone calls from a number that I googled and it states it belongs to a company called Wakefield and associates. The phone number is XXXX. Apparently this company is a debt collector, but I have not received anything in the mail from them in the form of a debt validation letter or anything in writing stating that theres a debt I owe to them. They leave voicemails when they call, but their voicemails are only a electronic recording, and never say anything about the reason for calling. I am afraid to reach out to them because Im afraid it might be a scam because I have nothing in writing stating I owe a debt.
Product: Debt collection

Starting XX/XX/year>, I was a victim of identity fraud and knew it. Personal information was taken and used to open credit cards. As soon as I found this out, I filed a police report and explained the situation to all the credit card companies via phone and resolved the issue ; Except with Capital One. I have called them multiple times over the last three years explaining I was not the one using it. One worker even admitted he saw the activity happening as I was on the phone with him, proving it wasnt me. After multiple calls, talking wasnt resolving the issue. They kept telling me they havent gotten to my file yet to fix the matter. I sent a copy of the police report by mail and I even called a week later to verify they received it and they personally told me over the phone it was enough evidence to prove it was not me. I would not have to pay {$600.00} in credit card debt. The account was closed and I thought the matter was resolved, but yesterday I opened XXXX XXXX and it said {$600.00} was sent to a collection agency by Capital One. They did nothing to solve the problem and have been giving me the runaround. I am hoping you can help.
Product: Credit reporting or other personal consumer reports

Equifax is reporting non mailable or non deliverable address on my consumer report that i have dispute and still reporting inaccurate. XXXX XXXX XXXX XXXX sc XXXX is not my current address, I have request it to be remove from my consumer report. Report Number : XXXX
Product: Credit reporting or other personal consumer reports

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 proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is in correct accounts being reported on my credit report. There is a bankruptcy showing on my credit file. I need this investigated and removed from my credit report. I pay all my bills on time. There is no need for me to ever have filed bankruptcy. There are numerous hard inquiries showing on my credit report. I did not authorize for these inquiries to be ran. These are in accurate, and I did not sign anything for these inquiries to be ran. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Us Small Bus Admin Oda XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Us Depart Of Edu XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX inaccurate account reporting on my credit reports. Corporation reports another entity owns the loan. They dont have permission to report it on my credit profile. Either one is not supposed to loan credit aggravated identity theft. 18us1028a.
Product: Mortgage

Payment due on XXXX of {$2900.00} for mortgage payment. 
Payment made on XXXX of {$3000.00} for mortgage payment in branch. Their online system is having challenges as they complete a merger. 

XXXX the online system tells me I have missed a payment that was due on XXXX. This is not rational since I made the payment a day early and overpaid.
Product: Credit card or prepaid card

capital one keeps reporting negative remarks on my accounts to the credit bureaus. They keep saying that I initiated a dispute, investigation completed, and consumer disagrees and this is simply not the truth. 

My two capital one accounts are closed. At one point the payments were late but never missed as I always paid something. I closed these accounts and enrolled them into a debt management company so that Capital One would be paid. I could have walked away from the debt but did not do so. But Capital one says that I have disputed my accounts and that is not true. The only thing I have ever disputed are these false, misleading remarks that they keep placing on my credit files. 

I am trying to get a mortgage and this is impacting my ability to do so. Why must capital one do this to me? Are they upset that the interest rate got reduced when I submitted my two accounts to be handled by this debt management company? Are they not happy that the accounts are being paid on time each month? 

Why are they intentionally trying to hurt me by posting these remarks that are not true on my credit reports. They are intentionally trying to get me turned down for a mortgage for my family. I have asked them in the past to stop this, they called me and said that all remarks would be removed but this was a lie. I am filing this complaint to have the CFPB help me. I am attaching a copy of the credit report to show proof of their unprofessional conduct. My next step is to file a State Attorney Generals complaint against them if they refuse to honor my request.

They are intentionally reporting these false, derogatory remarks on all 3 credit bureau reports and it needs to stop. This is getting out of hand that they are doing this to me.

I could simply stop paying them and let the debt go into a write off status for them and not let them get one single dime moving forward but I do not want to do that but they are leaving me no choice. If the remarks are not removed and kept off moving forward the Colorado State Attorney Generals office will open an investigation. 

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

XX/XX/2018 XXXX XXXX XXXX acct XXXX decided to sell my home loan to another company called XXXX XXXX XXXX acct XXXX  and i have been current and never late and they reported late 30 days on the month of XX/XX/2018. I have been current every month please fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have lots of information in my credit information that are inaccurate. Please excuse me of these items, It is affecting my job and livelihood.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the incorrect negative accounts listed on my credit report. The information provided is not accurate, and I demand an immediate investigation into these discrepancies. These negative entries do not reflect my true credit history, and I expect them to be corrected or removed without delay.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX My social security number is XXXX I'm XXXX date of birth XX/XX/96 my address currently XXXX XXXX I can't get help anywhere now I'm facing eviction I have small kids one day now to move
Product: Mortgage

Due to the ever increasing home/auto insurance, utilities etc I was only able to make 2 partial payments on my property taxes-proof was sent to the lender several times with a copy of the Tax Collectors site indicating that partial payments can be made if the full payment for the period could not be made. I rec 'd several scary letters from the lender indicating I was delinquent & in default and foreclosure would be started by XX/XX/year>. At this age I desire not to be homeless, plus my home is worth approx $ XXXX. Why would this lender pursue foreclosure for {$1500.00} remaining on my property taxes which I have indicated will be resolved within a few weeks. 

It's very distressing to get these letters from different departments days apart. I can't sleep, eat nothing with this pending horrific nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Your help would be very much appreciated. 

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

I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and XXXX aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau reported a collections account " XXXX XXXXXXXX XXXX XXXX ''. I have no knowledge of this account. This account was DELETED from my credit report a year ago for false, inaccurate reporting. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXXXXXX XXXX  XXXX verbal agreements, nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. Removed and don't report again if another creditor decides to pick up this account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair Credit Reporting act XXXX  accounts 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 I have also requested validation of an item reported to you by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have received my confidential medical records in response without a prior written release clearly violating my rights under HIPAA XXXX 

Legal action is will commence against XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Should these item not be promptly removed from my credit report. I will pursue every legal route available against any agency responsible for reporting this violation. 

FCRA violation Remove all account because you are reporting inaccurate dates from when the collection was First received, last up dated and Removed dates are all different on all 3 Credit bureau yall cant be getting the same information from the same source but have different dates you all have even also reset my 7 year removal date Several times which is a serious violation making it harder for me Financially with all this inaccurate information on my whole credit report for several years
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX / ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

I was informed of an unpaid XXXX XXXX collection reporting on my credit report on XX/XX/2017. I was surprised, as I never received any type of notification or demand for payment from either XXXX XXXX or Stellar Recovery. 

I promptly called XXXX, ascertained it was my debt, and paid the account right away. I argued that since I never received a dunning noticed allowing me to cure this debt before it was credit reported, I expected them to delete it from my record. XXXX asked me to call /Stellar Recovery. On XX/17 I called them, explained to them the situation, and they confirmed they had an OLD address, and still denied my request to remove this item from my credit report. 

Please be advised that I have consulted local and state consumer protection agencies with assistance regarding the credit reporting of the above referenced account.Specifically, I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and California Rosenthal Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution. 

Further, creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I  hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # 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
Product: Debt collection

I have several collection accounts or student loan debt on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX. RE : XXXX -On behalf of XXXX XXXX. Please be advised that I 'm disputing these collections due to the fact that we have chosen to work directly with XXXX for lowering payments. I 'm disputing these collections due to the fact does not currently have a a valid license to collect debt in the State of Virginia according to the Virginia department of XXXX XXXX for verification. I am requesting that you delete these accounts from my credit file or provide me physical proof that they are licensed to collect debt in Virginia.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against United Legal Group & Credit Collection Bureau for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until United Legal Group & Credit Collection Bureau, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and United Legal Group & Credit Collection Bureau, continues its collection efforts, I will file for litigation for actual damages caused and United Legal Group & Credit Collection Bureau, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Checking or savings account

I called about a declining checking account balance. Advised rep that it was {$70.00} in service fees since I signed up for their new high interest savings account. Asked for actions to be undone as it wasnt disclosed at that time that I would incur a XXXX XXXX XXXX  fee. Rep stated only {$50.00} in fees assessed and statements I was reading to her were wrong. Spoke to a supervisor who offered to only waive {$20.00}. Closed accounts. Again requested statements from last 12 months. Told I cant without a fee being charged and that they mailed my statements. In the 6 years of membership, never has a statement arrived by mail. Also asked for member number so I could fill out board of director form on PenFed site and was told member number cant be given but its on statements. Again told statements would have a fee assessed even for digital delivery. UDAAP violation. Request hearing.
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my consumer report I did not authorized. A inquiry with XXXX XXXX  ( XX/XX/year> ) and XXXX ( XX/XX/year> ). I reached out to these creditors and I have not received a response. Therefore, I must request your help in resolving this matter. Not only did I not authorize this but I never provided consent for these to be furnished to my consumer report. Please delete the following unauthorized inquiries. They are misleading and causing me to be denied credit. The inquiries are listed on Equifax, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can you update my address and name on my credit profile.
Product: Vehicle loan or lease

I have a vehicle lease with   XXXX   XXXX    XXXX .   I was told that I have been missing my first payment and have been late ever since. I have made multiple calls correcting the issue and even paid the late fee once. Currently, they are still compounding my late fee again and it has risen unto {$260.00} I have made repeated requests to correct the issue but no action has been performed by the company.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Rocket Mortgage did a hard inquiry on my credit. That was not me that requested their service. i tried calling them but they will not remove