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

XXXX ; XXXX and Transunion are reporting incorrectly ( 30 ) plus days late on the DPT ED/XXXX ; XXXX and XXXX XXXX partial account numbers : ****XXXX  ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 5 18 and 23 - 30 of the attached credit report. ) These payments were made on time every month. I and not understanding why there are multiple reporting errors on these accounts. I have contacted the Dept of Ed ; XXXX and XXXX to delete the lates reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed. I have also contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Student loan

I am a victim of a financial crime. I am also a creditor in the blockfi bankruptcy. I have notified XXXX multiple times that I will not be making payments so long as the bankruptcy is ongoing. 

XXXX reps do not listen to or comprehend anything I say and have been XXXX XXXXXXXX and even called to XXXXXXXX XXXX  on new year 's eve.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

I have no knowledge of this account it says it was opened 3 months ago XX/XX/2019 for XXXX XXXX XXXX  in the amount of {$300.00} I have not had any of there services the creditor on my report is Enhanced Recovery Compan
Product: Debt collection

The initial call was received on my cell phone from a local number XXXX. Needless to say this company is Florida using local number. I then received a call at my desk and spoke with XXXX XXXX asking me to verify my date of birth. I proceeded to ask XXXX for her address so that I could send them something in writing asking not to be contacted at work. She said he could take of that however I still plan to mail a letter today requesting that all contact cease. Shortly after I hung up with XXXX my co-worker brought me a message from a guy that refused to give him his name, however he said the guy was really rude and requested that I call him back at XXXX. Yet another local number for a Florida company.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX- account closed XX/XX/2019- Paid the account in full due to some hardships the account was closed. I did pay the account as agreed and wrote letters to ask for a good will correction and response was ignored. I have reached out many times and still no answer to the pay and delete because I kept my promise to pay.

2. XXXX XXXX- Account closed XX/XX/2019 - Paid the account in full due to some hardships the account was closed. I wrote a letter to ask for a good will correction and no response. I called asked but still no response. I have reached out for a pay and delete because I kept my promise to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all inaccurate information on my credit report with transunion. looking at the files that's invalid please delete the data to clear my file asap.
Product: Debt collection

I have called and emailed Vance and Hoffman LLC several times a month since XXXX of this year to let them know they have a collection account on my credit report that is not mine. In XXXX  my XXXX XXXX was broken into and someone stole our mail. From my credit report it looks like Vance and Hoffman LLC bought debt from XXXX XXXX XXXX XXXX and now say I owe {$4600.00}. I have sent them my theft Affidavit and I have let them know numerous times that the debt is not mine.
Product: Checking or savings account

I sent my schedule c in because I have an XXXX loan in my personal account. Now chase wants to cancel my account because of the loan. My account is frozen and I want it unfrozen.
Product: Credit reporting

XXXX company list that i went into forclosure. I never did. I borrowed money to prevent that from happening before I was able to sell my house. This is shown only in XXXX report of XXXX. I sold the home well in advance of going into forclosure. I request that to be changed to an accurate standing.
Product: Mortgage

MORTGAGE Literally, a dead pledge. Pursuant to 1829 Websters DEAD PLEDGE, 71. A mortgage or pawning of things, or thing pawned. Pursuant to 1829 Websters HOMELOANSERV are attempting to coerce us into signing a promissory note after our Mortgage has already been sold. I was tricked into signing without full discourse of telling us that we were signing away our estate and, giving us our money from our social security card ( credit card ) and claiming they loaned us money when they have already extracted the funds from our account without our consent or full discourse. They are now attempting to collect a debt which is in a positive balance.

HOMELOANSERV has never given the consumers any money as money is defined as Coin ; stamped metal ; any piece of metal, usually gold, silver or copper, .stamped by public authority , and used as the medium of commerce.

HOMELOANSERV has sent us mail without stamps, their logo on mail with both our names on the paperwork for the world to see. Which is {$1000.00} for each infraction under title 15 U.S.C. 1692B ( 5 ) not use language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; HOMELOANSERV as also stated we owe a debt which pursing to title 15 U.S.C. 1692 ( 2 ) not state that such consumer owes any debt
Product: Debt collection

After carefully requesting my credit report from your company, I am having a lot of trouble discovering a lot of inaccurate or invalidated accounts. I have never opened a line of credit with XXXX XXXX and a few other accounts listed on my credit report, like XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and more. All of these accounts are a result of identity theft, and were not authorized or obtained by me. I have filed an FTC Report on the matter several times one time being XX/XX/year>. I have also mailed out dispute letters on the matter, but TransUnion has failed to recognize or take my letters, first letter i've received back, stated i was lacking personal identifying items such as social, ID and proof of address, yet i've provided all personal identifying information required. They also claimed that the letters did not seem to be from me, when indeed they are. TransUnion does not even want to recognize my letters.
Product: Credit reporting or other personal consumer reports

TransUnion has a Renters Credit Score of XXXX that I was never aware of I have been keeping up with the information on my scores and currently my TransUnion Score is XXXX on my current Transunion account / My credit karma account and my nerdwallet account all of them have accurate score. During a couple recent Tenant screening I was denied based of of credit Screening. Then I Did about my 5th Application ranging from XXXX Dollars per Application, I took a look at my Screening for XXXX, XXXX XXXX XXXX {$39.00} My Score was in fact XXXX with all the recent inquires looking for a rental. I reached out to TransUnion Who I had been calling every 3 moths regarding the inaccurate credit reporting/ old accounts being transfered to look new and not deleted. I first started my Rental search XX/XX/XXXX and was denied for several applications. I expressed to TransUnion that they were effecting my ability to have a better quality of life. I was told to put in Disputes and with every dispute, it was never resolved. TransUnion told me that my XXXX score is my Current score but that TransUnion created another score for Renters Credit that they provided to Landlords which decision making factor in A Landlord rejection and approval of my credit scoring application. I asked them why I could not see this new score they said that it was note a score that XXXX or XXXX use for all consumers, this was a score that ONLY TransUnion created that is not published thru TransUnion member services just for Landlords. TranUnion also stated that the information to come up with the renters credit was not reflected on Fico information i.e. in the Employment section the Renters Credit had employment for XXXX I have not worked there in 11 years but TransUnion.com Has my current Registered Business as my current Employment .TransUnion Has violated my Consumer credit rights with a secret score and inaccurate informations to get that score that ensures the denial of my ability to rent a unit.
Product: Debt collection

I was hospitalized from XXXX to XXXX in XXXX ky I have state XXXX which I fully covered I received a bill from GLA collection company telling me I owe {$560.00} for service received from XXXX XXXX XXXX I called XXXX. Insurance they said it covered so I called GLA to respond to letter they were rude told me it's in my name pay the bill would not even let me explain what I found out from XXXX  I want it remove immediately from credit it hurt me getting a loan & credit
Product: Debt collection

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 
I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXXXXXX
Product: Prepaid card

Me XXXX XXXX was flagged for fraud on XX/XX/XXXX and blocked from use. I called XXXXnComm and was asked to email a copy of the card, card purchase receipt, my driver 's license, and proof of address. I sent all this via email on XX/XX/XXXX, and again on XX/XX/XXXX when they requested it a second time. Since then, I have not been able to use the card, and have received no further information from InComm unless I proactively call. 

My latest two calls were XX/XX/XXXX. Spoke to Manager XXXX who asked for more proof of address verification. I resent all the other files mentioned above, along with two more photos of IRS and State of MN documents showing my address. He said it would be 24-28 hours and a new card would be mailed. 

I called again on XX/XX/XXXX. Spent 45 minutes on the phone, spoke to another manager who said she would escalate the case ( again ) and said it would be another week. 

At this point, they've had {$470.00} of my money for nearly two months with no proactive measures on their end, and no resolution. I have done everything they've asked, three times now. My InComm case # is XXXX.
Product: Credit reporting or other personal consumer reports

I never authorized these inquiries, I want these inquires removed asap please
Product: Credit reporting

XXXX sisters loan from XXXX XXXX shows on my credit report. The loans account last XXXX is : XXXX with the amount of {$1100.00} and it is charged off. I am not liable for this collection and it needs to be removed and placed on the correct persons credit report.
Product: Debt collection

I have received a few texts from someone impersonating Spring Oaks LLC, allegedly a real debt collection agency, about how to set up a payment plan for 2 payments of {$130.00}. The most recent text I received was XX/XX/2024 from a ( XXXX ) XXXX, and I received two text messages from the same number on XX/XX/2024 and XX/XX/2024 ( which I replied to in an effort to get information from them ). I have ZERO debt on my credit report, and the only debt I have in general is student loans which are being paid. 
Included in the text message is a customer service number which does NOT match the one provided on Spring Oak 's website, and a link ( XXXX ). I followed the link to compare it to the real Spring Oak 's identity verification form, and the fake one requires either a DOB or SSN ( conveniently the DOB field doesn't work, and I wasn't about to provide my SSN ), while the real identity verification form on Spring Oak 's website can also accept a reference number. 
In an attempt to get information about this alleged debt, they refused to give me any information about the creditor without me first providing, over text, my SSN. They also refused to give me a reference number for the debt, or a name of whoever they were looking for. 
I figure if they can give me a monthly debt amount that I allegedly owe, they can also, in the same breath, provide any information at all about the creditor, the debtor they're trying to find, etc. But they refuse without knowing my SSN. Which is funny, because I've had debt collector calls for other people and they provide the name of the person they're looking for and the name of the creditor that they owe. It's how I found out my moms friend owed a XXXX ton of money to a car dealership. Guess what? They left me alone after finding out I wasn't who they were looking for and didn't communicate in any way with their person of interest. And these guys are allergic to providing information without getting my SSN first? goofy. 
So, here we are. 

( PS in reference to one of my attached screenshots, my favorite line is " I assure you we are a legitimate business '' like oh ok buddy I can take that to the bank LOL )
Product: Debt collection

Company calls and tries to collect a debt that is not owed. Very rude and pressing trying to get me to pay something they can not verify. I've received no information and have never heard of this company.
Product: Credit reporting or other personal consumer reports

The following companies have made a hard inquiry on my credit report without my authorization please remove : XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> I believe this information to be unauthorized and fraud, please remove. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with 2 fraudulent collections and fraudulent unauthorized inquiries
Product: Mortgage

When working on preparing documents for a closing, we contacted our assigned banker at Quicken Loans ( rocket mortgage ) about what documents we needed to sign in order to get our clear to close done. Throughout the process, from the time we first started the mortgage application in XX/XX/XXXX, toXX/XX/XXXX when we put an offer in on our condo, to signing the the documents along with that condo onXX/XX/XXXX to have all paperwork line up with the condo address, we were never told during any point that our rate was what it was due to buying down points. At several points in several conversations, we specifically asked our banker at Quicken Loans/Rocket Mortgage what fees will we owe them outside of the writing and processing fees ( {$1200.00} ) and were told time and time again there would not nothing outside of our monthly mortgage. Fast forward a month and a half toXX/XX/XXXX, we are at the closing table with our lawyer, who notices that we apparently bought down points to bring our APR from 3.99 to 2.99 for the cost of {$5600.00}. This is a cost we were not aware of because it was never brought to our attention, despite asking multiple times. When we tried contacting Quicken to have them explain this, the banker ( after were bounced around for an hour on the phone to four different people being told nothing could be done ), claimed it was in the paperwork. When we asked at what point did he tell us about how interest rate options, he said he " didn't remember the conversation. '' After another twenty minutes of talking on the phone and getting nowhere, we were told there was nothing they could do. Our real estate attorney even pointed out that it was " shady '' that an experienced banker would not point out these fees to first time home buyers. Our options were to walk away from the table and lose the home we wanted, or pay the money. So we paid the money to secure our home. 

After closing and reaching out to Quicken about this, we were told we should have not closed, and waited to resolve the issue that day itself, because it would be harder to handle now that we paid, but the customer relations person would do their best. After a week of explaining what happened to numerous people, the customer service person called us and explained that the banker is a great guy and they'll use our story to teach others of this, which is of no use to my family who was manipulated out of XXXX. As first time home buyers, we read every document and asked questions, and all questions pointed to the documents being okay when answered by Quicken. When asked what could be done to help us, we were told nothing, and were almost laughed at on the phone. I never want any other family to go through this. The buying points down charge was over 25 % of our closing costs.
Product: Credit reporting or other personal consumer reports

I am at an end with this error on my report. I am tired of being ignored about this issue on my credit report. This inaccurate account is still reporting and continuing to damage my credit. This is a violation of the FCRA. I want to know why I am being ignored?
Product: Debt collection

In XX/XX/XXXX, I entered into a consumer credit transaction with XXXX XXXX XXXX of XXXX, XXXX XXXX I went in to purchase a car in my business name, but unfortunately, I was not able to do that. I was informed by their Finance Manager who goes by the name of XXXX, that had to use my credit to get the car. So because I thought I was in good hands I did that. The car was financed through Truist Bank. Recently I have fallen on extremely hard times and have been unable to maintain payments. I have pleaded with Truist Bank but I couldn't seem to come to any resolution. And now they've threatened to repossess my vehicle from me. I must admit I was afraid and stressed to the max because I need my vehicle. So I went to discuss this matter with someone who is extremely familiar with these types of transactions and they told me to start researching consumer laws. Every since then I have been studying extensively. I noticed a few things were not done or were not done properly. On XX/XX/XXXX, I sent Truist Bank a Cease and Desist as well as a Validation of Debt letter by certified mail. They received the letter it on XX/XX/XXXX, it was received by XXXX XXXX. I have a copy of the letter and return receipt attached to the complaint. The Cease and Desist state a number of things, one of which is to cease all communication through ANY MEDIUM in regards to this debt. Since they have received the Cease and Desist they have not abided by it. They have called me numerous times since receiving the letter, I have it documented. Since they have not abided by my request which states they have to be Federal Law. I decided to file this complaint in hopes that this would make them abide by the rules of construction set forth in the FDCPA. I have attached the Cease and Desist and Validation of Debt, which I sent to Truist Bank as well as the Return Receipt for your review.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate costumer 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.