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

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached evidence XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to investigate a legitimate dispute that I have filed on several occasions. The information with the dispute results is inaccurate and does not add up. I sent in supporting documents, which they deleted and did not send to the creditor. I wasted a month for a report that shows the last time the account was even updated by the creditor was a month prior. None of the comments or history are accurate. There are insufficient dates and data history. I provided ample evidence showing these payments were completed and withdrawn from my checking account, and provided evidence supporting each of my claims to clear this up. When I attempted to reinvestigate the dispute, I was alerted that my dispute was modified for another thirty days. This is incorrect derogatory information being reported, and the credit agency has caused more harm than help by neglecting to investigate my dispute properly. I attempted phone contact with the company, only to have my calls re-routed over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX XXXX that is reporting my account is 30+ days late on the three credit bureaus on XX/XX/XXXX. I have proof of a cashed check for {$300.00} on XXXX XXXX XXXX XXXX XXXX  has thru caused my credit score to drop over 50 points due to their error. I have requested this matter to be properly updated and still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery Services, are representing " XXXX XXXX XXXX, and they are putting Short Term Loans Accounts, as Medical/Health Accounts, on Credit Reports. '' I tried to call them and got an agent on the line, and our conversation turned into an argument.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists of, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 or other personal consumer reports

I have contacted XXXX XXXX numerous times about this problem. I paid off and closed a credit card with XXXX XXXXXXXX XXXX in XX/XX/XXXX. It was correctly removed from my account. In XX/XX/XXXX, the credit card showed up again on my account ( both on the website and in the XXXX XXXX XXXX ) and I immediately contacted XXXX XXXX, thinking that someone re-opened the credit card using my name. This credit card even showed up as having been re-opened for a month on my credit reports and then it disappeared a month later. 

XXXX XXXXXXXX XXXX has confirmed that the credit card ending in XXXX is indeed closed but they continue to show it as " XXXX '' and in need of " activating '' my new credit card in order to use it. Because of this discrepancy, I can not manage my account online and must ONLY use the APP to do so ( for example, check balances, make payments ), which has limited features. If I try to manage my account online it immediately logs me out of my account. 

I have disputed this numerous times, informing them of the error and asking them to remove that credit card from my account. They insist it is not there and that they will inform the XXXX department and to just wait until it drops off. When I insisted I wanted to be able to manage my account online, a representative told me " just use the App, it's fine ''. As if how I want to manage my account is inconsequential to them. 

In over 7 months, XXXX XXXX has made NO effort whatsoever to resolve this issue. There is a credit card that I do not have, that apparently is not open, connected to my account, the discrepancy creates an error under my account on their website and there seems to be nothing I can do about it. 

I am seeking support in obligating XXXX XXXX XXXX  to make this a priority and resolving this situation immediately. I want to be able to manage my credit card accounts with them as I see fit, not as they demand I do so.
Product: Credit card or prepaid card

free consultation at XXXX XXXX care XXXX ran my credit for wellsfargo and XXXX XXXX was approved wellsfargo XXXX XXXX XXXX XXXX used up XXXX i got back XXXX in my acct because i cancelled XXXX plan now being charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX fee XXXX XXXX XXXX Fee XXXX XXXX Total amt that wellsfargo charging for is XXXX
Product: Payday loan, title loan, or personal loan

I owed {$590.00} was not behind in payments and they charged me {$88.00} in fees on top of the XXXX. So I ended up paying XXXX. 

Why am I paying XXXX in fees and the next payment was not due until XX/XX/18. 

I would never borrow or recommend this company with all the hidden fees.
Product: Bank account or service

I have online Savings account with Discover. Deposits and withdrawals are done online through ACH with a non-Discover checking account. The authenticity of the checking account is verified at the time of opening an account. For a withdrawal of large amount, which can earn a few dollars interest everyday, the Discover bank debits the savings account on the day of request, for example on XXXX XXXX, 2016 but the bank does not transfer the money for 3 - 4 days, thus not paying interest on the money which is still with the Discover bank. The Discover could not show any policy in writing to show this delay in transferring the money and not paying interest after speaking with the customer service rep and his supervisor, who kept on confusing me with the hold time for deposits. For these hold time on Deposits, the interest is earned, but on withdrawals where the account is debited, but the money is still held by Discover bank for 3- 4 days, the interest is not paid.
Product: Debt collection

I checked my credit report because I was denied credit. I called and contacted the company and asked to receive a written/letter of notification that I owe this debt. The person I talked to would not send out a notification. He stated that they would email a notification if I would set up payment arrangements XXXX. I feel that this is not right. I only know about the debt because I checked my credit report. I have not received any type of letter from this debt collector that I owe a debt. I also feel that he was very pushy in wanting me to set up arrangements and pay off my debt, even though they have not mailed me any correspondence that I owe a debt.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of XXXX I contacted a tax preparation service, XXXX XXXX XXXX XXXX, who told me that the fee for their services would be {$240.00} per month. I did not receive any services and canceled payments in XXXX of XXXX after paying {$1200.00} in XXXX months. I then received an email from Westlake Portfolio Management , Inc. requesting payment for a loan. I knew nothing about any loan, so I called them. Westlake referred me to an organization called XXXX XXXX. I called XXXX XXXX who told me that they have a copy of my drivers license and that I now need to call XXXX XXXX. XXXX XXXX referred me back to Westlake. I did not apply for any loan. I do not know the amount of this loan. I do not know the interest rate of this loan. I do not know the term of this loan. I did not sign for any loan. I have no paperwork referring to any loan. Therefore, any signature on this loan must be forgery. I reported this as fraud to my bank who will not pay the recurring attempts to withdraw {$240.00} from my account. A daily attempt continues to withdraw {$240.00} which is declined.
Product: Credit reporting or other personal consumer reports

I have previously disputed this matter and had no success in getting TRANSUNION to report maximum accuracy on my report. I need your help and holding TRANSUNION accountable for not reporting information on my report accurately.I am writing to dispute the accuracy of the information present on my credit report with TRANSUNION specifically regarding my auto loan account XXXX associated with XXXX XXXX XXXX XXXX. I would like to draw attention to substantial inaccuracies within my credit report under your agencys management. These inaccuracies, specifically concerning the account payment history, erroneous status descriptions, conflicting date reporting, and missing data, flagrantly violate critical sections of the Fair Credit Reporting Act ( FCRA ), notably Sections 1681e ( b ), 1681s2, 1681c, and 1681o. PAYMENTS PAST DUE, contradictory to the actual payment history, stands in direct violation of this provision, further compounded by the absence of crucial account activity data.
Product: Credit card or prepaid card

Barclays has been ridiculous lately. I have a 720 credit score and recently applied for their XXXX card. I am a longtime Barclay 's cardholder with flawless payment history. They rejected me a few months ago for " too many new accounts and inquiries ''. I waited a few months until my credit strengthened and applied again. With a stronger credit history than when I got my original card with them, THEY DENIED ME SOLELY ON THE BASIS THAT I HAD BEEN DENIED PREVIOUSLY, NOT TAKING INTO ACCOUNT AT ALL THAT I AM A PRISTINE CUSTOMER OR THAT I HAVE NO LATE PAYMENTS OR COLLECTIONS OR ANYTHING BAD ON MY CREDIT AS OF NOW. So I called their reconsideration line and spoke with XXXX, employee ID XXXX and his associate. They had clearly made up their mind that I was an awful credit risk due to my new accounts and inquires. He and his associate half heartedly offered to " reconsider '' my application but essentially gave me the feeling the would deny it anyway because I am this deadbeat who can not be trusted, so I declined. They wouldn't even move part of my existing line to create a new card without a full credit review ( which I feel they would have denied ) because of the dreadful risk that I am ( again, no late payments, or over the limit occurrences ). Further, I should note the only reason I am applying for the XXXX card in the first place is because they won't do a product change of my XXXX XXXX card to the XXXX card. I don't want to close the XXXX XXXX card because it has a long account history. That said, for both their XXXX and XXXX products, they told me I had to apply for new cards ... and then denied me for applying for new cards. I admit that I use credit, am constantly looking for lower interest rates and better rewards, so I open/close credit cards regularly. That said, I pay them. XXXX should have to take into account the fact that I'm a good customer when approving applications.
Product: Debt collection

Dispute of Medical Collection Account on Credit Report by EQUIFAX XXXX XXXX I am writing to formally dispute the inclusion of a medical collection account on my credit report. I have recently reviewed my credit report obtained from your agency, and I have identified an account that is being reported by XXXX XXXX XXXX XXXX for a medical debt. 

I believe that the reporting of this medical collection account is inaccurate and in violation of applicable medical laws and regulations. I would like to bring the following concerns to your attention : 1. Failure to Provide Proper Explanation : The collection agency, XXXX XXXX XXXX XXXX, did not adequately explain my rights to dispute the debt. They insisted that the only way to resolve the matter was by making immediate payment. This practice misrepresents my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant medical laws. 

2. Lack of Verification : The collection agency has failed to provide sufficient documentation to verify the validity and accuracy of the medical debt they are reporting. As a consumer, I have the right to request and receive verification of the debt, including itemized statements and evidence of my agreement to pay. 

XXXX. Violation of Medical Laws : The collection agency 's insistence on immediate payment without providing proper explanation or allowing me to dispute the debt violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These laws protect consumers by ensuring fair, accurate, and transparent reporting practices. 

Based on the aforementioned concerns, I kindly request that you initiate an investigation into this matter as per my rights under the FCRA. I request that you promptly contact XXXX XXXX XXXX XXXX to verify the accuracy and validity of the medical collection account being reported. 

Additionally, I request that you provide me with a detailed response within the legally required timeframe of 30 days, outlining the results of your investigation. If you find that the collection account is indeed inaccurate or unverifiable, I insist that it be removed from my credit report immediately. 

Please note that I am aware of my rights as a consumer and will take further necessary action to protect my credit standing if this matter is not resolved satisfactorily. I trust that you will handle this dispute with the utmost professionalism and adherence to the applicable laws and regulations. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the removal of the disputed medical collection account from my credit report. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have been trying and trying to get these fraudulent accounts removed from my credit report but i just cant seem to get the help i need. Please, this is identity theft. help me
Product: Mortgage

An Escrow analysis was performed in XX/XX/XXXX under the first home insurance figures the XXXX received. It was estimated that my escrow was short and that I needed to pay a difference of XXXX to bring my escrow current which I did in addition to my regular payment on XX/XX/XXXX. I called in the first time in late XX/XX/XXXX at which I was advised by a person in Texas who worked in escrow that my payments would change to {$930.00} and some change, explained over the phone. Today I was told by XXXX in escalations over the phone my escrow account is short and my current payment will be {$950.00} and some change. I told her she is the first person to tell me that my account was short in all the times I called in this month. I ask to consult a manager on the issue and I was told it would take 48 hours for a manager to contact me back with no name or number. There is nothing I can see currently online that reflects a current change and updated info. This has been going on the whole month of XXXX up until today. The new payments are suppose to begin XX/XX/XXXX and there is currently no updates.
Product: Money transfer, virtual currency, or money service

they will not let me trade anything at all. 

XX/XX/XXXX was the last day they let me trade. Just holding my currency XXXX. Seems to be the way crypto companies make any money these days. 

I opened a ticket with them XX/XX/XXXX and still not resolved nor give me a timeframe or reason. won't tell me why just this : XXXX, after taking a look at your account, we see that you're not eligible to purchase cryptocurrency or add cash using your linked payment methods. You may also have difficulty linking a new payment method. 

There are a number of factors that affect purchase and eligibility to add cash, and we're not able to provide specific details regarding our security processes or account reviews. 

We've transferred your case to our team of specialists to look into this further and determine your account eligibility. We know this isn't the ideal experience, but we will contact you as soon as we can.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. 
Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.
Product: Money transfer, virtual currency, or money service

On Thursday, XXXX XXXX I transfered XXXX to my cash app so I could go to the atm to withdraw it. I went to my local XXXX  and requested the XXXX dispensed {$300.00}. The receipt showed I withdrew XXXX but when I counted the cash there was only XXXX there. I notified an employee at XXXX and they told me to call the number on the ATM. The people from the ATM then told me to contact cash app who told me to file a dispute on the transaction and I did. I went back 2 days later to check the status of the dispute and it was showing no dispute was filed. Finally today I checked back and it says my dispute is being investigated. That it will be decided on XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following creditors with whom I have no open accounts or relationship with-obtained my information UNAUTHORIZED and WITHOUT MY CONSENT : Creditor Name Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I started the process with OnQ financial for a construction loan with a new home mortgage per the referral of the home builder. Throughout the entire process, XXXX  was extremely difficult and rude to work with and pulled my credit more times than necessary and dragging out the process which negatively affected my credit score. Credit score was over XXXX and less than a year later was down to XXXX. Consequently, this then disqualified me as an excellent candidate and affected which loans I was approved for as well as a higher interest rate. Hard credit pulls each time, not soft as their communication stated. In addition, now that the construction is in process, each month there is incorrect information provided as far as the loan information such as an interest rate of 33 % when it should have been 6.5 %, sending the invoices to an address that I do not live at, not sending on time thereby causing a late fee, etc. Furthermore, my partner had the same house, same loan, started same time, etc but they treated him differently than myself and he closed 2 months earlier than I did since they continued to drag my process out. They also charged him a lower fee for an appraisal. 
Hard Credit pulls occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I finally signed loan docs and started the payments on XX/XX/XXXX, a full year later, when the builder had all my documents and contracts signed back in XX/XX/XXXX. XXXX XXXX was playing a game with me and my credit history and made so many errors it went into full underwriting for a simple loan for a customer with a small financial portfolio. She wasted my time and required the same documents multiple times. When I finally signed, the package was also incorrect information and documents. Frustrating process and more difficult than necessary due to her lack of ineptitude. Despite multiple complaints to the builder and financial institution, she was not replaced nor has received any adverse affects to herself and her position.
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 : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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.