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

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information. Please correct the item below : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number Last XXXX : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a business credit card opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a business credit card opened with XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a business credit card opened with XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a business credit card opened with XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, and a personal credit card opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX, a personal credit card opened with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX, a personal credit card opened with XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal credit card opened with Capital XXXX opened on XX/XX/XXXX under the account number XXXX, an auto loan opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, A utility account opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a collection account opened with XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a collection account opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My account was in deferment. Then I paid it ontime every month. I moved in XX/XX/2019 and didn't get the bill at the correct address. I realized this 10 day 's past my due date. I called and paid off the full {$600.00} balance and asked for it not to be reported late due to only being 10 days late. They stated ok. Experian is showing that it was paid on time XX/XX/2019, paid on time XX/XX/2019, June 60 days late, XXXX paid on time and closed in XXXX of 2019. First how can you be 60 days late if you were never 30 days late. Each credit bureau reports different information. I have disputed 3 times with each credit bureau and called XXXX and nothing has been corrected. I'm trying to buy a home and my XXXX XXXX is XXXX point lower than it needs to be. Without this my score would be higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical debt is HIPPA Violation, amount is incorrect resubmitted to the insurance companies. This is the second notice for Experian to delete after the other Bureaus deleted.
Product: Debt collection

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I was awaken out of my sleep from a text message from a creditor. The creditor P & B LLC contacted me via text messages outside of normal operations.
Product: Debt collection

I am not liable for this debt with XXXX RAPID CASH XXXX and I do not have a contract with AD ASTRA REC ) plus they did not provide me with the original application like I asked. 

Account XXXX XXXX XXXX : {$120.00}
Product: Debt collection

I am XXXX XXXX the natural person. Im disputing this matter on my own behalf. Commonwealth Financial Systems Inc is reporting a collection for a medical bill on my consumer credit reports. I never did any business them. I do not know how they got my personal private information.
Product: Credit reporting or other personal consumer reports

Failure to delete multiple accounts unauthorized fraudulent inaccurate phone numbers addresses never lived at employers incorrectly previously filed fraud with irs improper use of Credit for Credit cards and car loans inquires placed on credit report for fraud accounts XXXX XXXX bXX/XX/XXXXXX/XX/XXXX report filed for experian XXXX and XXXX incorrect reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Conn 's account was closed on XXXX XXXX Conn 's refused to update my account to a closed account even though it was sold to a company named XXXX on XXXX XXXX, then in XX/XX/XXXX Conn 's  representive said my account was then sold to a company called XXXX phone number XXXX. From XX/XX/XXXX-XX/XX/XXXX Conn 's reported late payments to all 3 credit reporting agency XXXX XXXX XXXX the status on my account XXXX XXXX i am sending a copy of recorded calls of the representive stating the was was closed on XX/XX/XXXX XXXX the status on the credit report was recently changed to charge off due to me filing a dispute through the credit beareu. But the closing date is still incorrect its is reported as XXXX and the correct date of close is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 at approximately XXXX XXXX XXXX XXXX XXXX of XXXX pulled my credit ( hard  inquiry ) without my consent. I was there to look at a new vehicle and told the salesman XXXX XXXX " Do not pull my credit ''. His manager pulled it anyways without me signing the credit application.
Product: Credit card or prepaid card

I was sent a denial letter on XX/XX/XXXX, to get a new American Express credit card. I have good credit after having to file bankruptcy in XXXX when I lost my only son in a car accident and going through a XXXX-year divorce. I had no other choice but to file for bankruptcy, I couldn't work or do anything after my son died it took me down as a human being, no mother should ever have to go through that. I believe that I am being discriminated against because of the grief of my son and a hardship I was going through at the time I had to file bankruptcy. I have proven that I am a responsible person by working hard to get my credit back up to over XXXX score and paying my bills in a timely manner, so to be denied and discriminated against because I lost my only son is wrong. I know for a fact that there are many people that have filed bankruptcy and have gotten another American Express Card. How I am being treated is wrong, I should not have to continue to be made to feel like a failure for something I had no control of. I would like to see how the CEO 's can go through such a traumatic event and it not affect their lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have evaluated my consumer credit report that you have assumed a vital role in assembling for me as the consumer. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality and respect for the consumers right to privacy. According to congress you are required to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of said information. It is made clear by congress that I have a right to PRIVACY as a federally protected consumer! My right to privacy has continually been violated, disregarded and disrespected which is a direct violation of the FRCA and the Gramm Leach Bailey Act. I did not consent and or authorized for you or the people mentioned below to use and or share my nonpublic personal information. No consent or authorization id IDENTITY THEFT! I XXXX XXXX demand to cease and desist. Pursuant to 15 use 1681a ( 2 ) congress makes is very clear that a consumer does not contain any transactions and or experiences. I am demanding for the following transactions and or experiences to be updated as a result of this in accordance with my written instructions. 

XXXX. XXXX XXXX  XX/XX/XXXX DELETE XXXX. XXXX XX/XX/XXXX DELETE XXXX. XXXX XXXX XXXXXX/XX/XXXX DELETE XXXX. XXXX XXXXXX/XX/XXXX DELETE XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXXXX/XX/XXXX DELETE XXXX. XXXX XX/XX/XXXX DELETE XXXX XXXX XXXXXXXX XX/XX/XXXX DELETE XXXX XXXX XXXX XX/XX/XXXX DELETE XXXX. XXXX XXXXXX/XX/XXXX DELETE XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX DELETE XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX DELETE XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DELETE XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX DELETE XXXX. XXXX XXXX XXXXXX/XX/XXXX DELETE Pursuant to 15 USC 1681c-2 ( a ) you have 4 days from the date of this notice to comply with my demands as set forth in the context above. This is and will be my first and final attempt to resolve this as I am prepared to litigate.
Product: Debt collection

In XX/XX/XXXX I recieved a letter from my local court house about a credit card debt. I know I owe it, but being on XXXX something happened and I just couldnt pay it at the moment. I sent a letter using proper legal information stating that My income being Social Security XXXX was protected by law against collections such as your as well as Judgments. I sent that certified mail, I never recieved a response or notice of a upcoming court date. 

Today i recieved a document stating they are requesting a judgement against me. I am fairly certain that after the certified letter I sent requesting that they stop all collections immediately ; by law they have to. 

The date claims it was XXXX, the date the judgement was filed was XX/XX/XXXX, In the amount of {$880.00}
Product: Credit card

well, I got a credit card from Bank Of America with the balance of {$2000.00} and have paying for the last 18 Months and it shows only a balance of {$1900.00} and the credit card Computation seems very unrealistic and scum!! and also the company reported me late for more than 30 days in XXXX XXXX and XXXX XXXX which in XXXX case I did not get the statements on time, and as a result damaged my credit report making harder to refinance my Home Mortgage, I paid approximately XXXX - {$1400.00} which makes it mathematically impossible for the balance the showed to be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Firstmark Services manages the servicing of one of my student loans. I have monthly automatic payments set up which covers the standard monthly principal, interest, and any fees. Over the last several years I have been making extra payments over time in order to pay down the loan faster. Upon discovering that these extra payments have been applied as a " regular payment '' instead of extra payments towards the principal balance, I called the customer service department and requested that they make a correction and apply the extra payments as payments towards the principal. I was told that I can not do that and that all the extra payments have been appropriately applied ... as a " regular payment ''.
Product: Credit card

I had a M and I credit card stolen XX/XX/2007. They are reporting inaccurate information to XXXX credit bureaus. XXXX and XXXX. I have made numerous attempts with both M & I which is now BMO and the credit bureaus. XXXX is the only one reporting accurate information. I have asked BMO to provide the documentation to support the information being reported and they refused. Telling me they had no legal obligation to do so. This file is way too old to even be on my credit file.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelle handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with my account
Product: Vehicle loan or lease

When this loan was originally taken out I was only the authorized user on my mother 's loan for this account. Somewhere along the line Ally financial started using me as an account holder, since my mom was sick. She eventually stopped paying due to illness and the account was transferred to a collection agency. I was never listed as an account holder with them and they never reported it to any credit reporting agencies. In XX/XX/2019 my mother died and Ally is reporting this on my credit file to all 3 reporting agencies. In the original loan documents it states that if the account holder ( or any account holder ) dies then loan is considered paid in full. I contacted Ally sent them my mother 's death certificate along with a  letter to remove this from credit reports. I sent a certified letter that a company rep signed for on XX/XX/19. I asked that they validate my obligation and send me proof and to also remove this based on the loan agreement stating that upon death of 1 or more of the account holders the account is paid in full. It has been over 30 days and it is still being listed
Product: Debt collection

Repeated phone calls to me from American Express and I'm not the account holder. 

Two phone calls so far today ( XX/XX/XXXX ). Five phone calls yesterday ( XX/XX/XXXX ). Three Phone calls on XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/2022, I received a notice from a merchant ( XXXX XXXX ) that my Capital One credit card ending in XXXX was declined. 

That same day ( XX/XX/2022 ) I called to check the status of that card and was informed that my account had been restricted. It was unclear as to why my account was restricted and the Capital One representative I spoke with was also unclear on the reason. 

I proceeded to close my Capital One account based on that information on XX/XX/2022. I did so with the representative over the phone on XX/XX/2022. The representative said that once the account was closed, it could not be reopened and that all auto transactions tied to the account would be declined. I confirmed this information and closed the account on XX/XX/2022. 

I received my final statement from Capital One and two charges appeared on the statement - one on XX/XX/2022 from XXXX XXXX XXXX XXXX for {$52.00} and another on XX/XX/2022 from XXXX for {$2.00}. Both charges occurred after the closing of my account on XX/XX/2022. 

Giving Capital One the benefit of the doubt, I paid the statement on XX/XX/2022 assuming the charges were processed before XX/XX/2022. Following the payment of the statement, I received notice from each merchant XXXX XXXX XXXX XXXX and XXXX - that the payments from Capital One had not been applied. 

I called XXXX XXXX XXXX XXXX to inquire why the payment had not been applied and they stated that they ran the card three times on XX/XX/2022 and each time it was declined. XXXX also sent a notice via email that the Capital One credit card was declined. 

Having already paid Capital One for these costs that were never given to the merchants, I called Capital One to sort the issue out. I spoke to several representatives and no one understood the situation that I paid Capital One for services they did not render to the two merchants. I was told to fax my complaint with supporting documents to Capital One, ( documentation of Fax receipt is included in my documents ) but I didn't receive a response or resolution. 

It is necessary that Capital One refund me for my overpayment of {$52.00} or send payment to the merchants. I have included a statement from XXXX XXXX XXXX XXXX showing there was no payment from Capital One to my account in the amount of {$50.00}. I have also included a copy of the email from XXXX outlining the decline of my Capital One card in the amount of {$2.00}.
Product: Mortgage

I was offered a forebearance plan a few months ago and when I asked about the outline I was told the following : RE : Loancare.com XXXX XXXX  owned * Credit would not be harmed -- They hit it and called it delinquent dropping my credit score by 100 points. I contacted them and filed a complaint with you and it was elevated to close to what it  had been ( XXXX ) * I

was told the payments being deferred would be added to the end of the loan and now they are saying I need to pay all the ones I was given a delay on. * They are nearly impossible to reach at all 3 800   numbers and have excuses for trying to reach them. * They have people call at odd times, like holidays, and they say to call them back and when I did I was told by voice mail they are not there due to not being business days and hours. * They write long semi threatening letters and do not care that there
own customer service is unavailable unless you wait for " wait times are in excess of 30 minutes '' and websites are non functional consistently.

* I made a payment on XX/XX/XXXX and told them I would start making payments monthly again and still not getting any help to get a modified loan and move payments to end of loan. 
* I have sent letters 3 times to CEO XXXX XXXX of Loan Care and  always get unsypathetic responses from whover he hands it off too
Product: Money transfer, virtual currency, or money service

I am Filing a Complaint against Cash App ( Block, inc. ) Due too Inadequate customer service and Unfair Practices witch violate The Customer 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 ( EFTA ) and regulation E.These Actions have caused significant inconvenience and financial loss.And I seek appropriate Redress for these Violations.
Product: Credit card or prepaid card

Two months ago I opened a XXXX credit card and after receiving the card I tried to setup auto pay only to find out form XXXX I needed to setup online backing with Wells Fargo. I proceeded to setup online banking profile only for it to error out. I called the XXXX number that was giving on Wells Fargo site only to be transferred seven different times with zero success of getting the profile setup or understanding why it was having issues. After spending over two hours going back and forth I just hang-up. I called XXXX the following day again and they said there was nothing they could do to help me as the card is issued by Wells Fargo and I would need to connect them again. They transferred me and after being kicked around I don't recall how many times I said please get me to fraud team as maybe they can explain why its having issues creating the online profile. Well after about a 20 min wait or so they came back saying the reason you can't setup an online profile is the account is setup as a company account not personal. I asked how did that happen and they respond with not sure but the only way to correct the issue is for me to go into a branch and show ID to get things cleared up. Almost four hours wasted yet again. 

Few days later I go into the branch explain what's going on they can in only to get the same run. Branch manager steps in and says he will get to the bottom of it and send and let me know they would contact me within 10 days. Before leaving the branch I asked when the payment was due as I havent received anything and Ive me trying to pay the bill since the following month, as I dont carry balances on any of my credit cards. They explained the due date was XX/XX/23 but had a few days grace period before it would be late and I asked what was the min payment due they said {$36.00} so I make a {$100.00} payment with the teller. 

Few days later I get a call from a lady named XXXX at Wells Fargo Exec office explain she had looked into the issue and confirm the account was setup with a company name and that I needed to head back to the branch and I said NO. Im not wasting my time at the branch again. Other very odd part was the following day prior to XXXX contacting me I got an email from Wells Fargo saying We've updated your contact information and noticed not only did it have one of my emails I never gave Wells Fargo, but also had my wifes email as well. I XXXX while shes tracking down the other issue I want to know how Wells Fargo got this other information. All of that was back on XX/XX/XXXX. Its now XX/XX/XXXX I havent heard from XXXX or anyone else at Wells Fargo and on XX/XX/XXXX I get a statement from Wells Fargo telling me there is {$29.00} late fee and {$89.00} in interest. Im at a lost for words again Ive been trying to pay my bill for the past two months and getting one run around after another and if this goes to my credit for being late I will take legal action towards Wells Fargo. I need the CFPB to step in and help get Wells Fargo to correct the problem to avoid the from carrying on for a third month and reverse all charges they are charging me.