23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX has turned over a {$340.00} bill to collection for a place I have never lived nor taken service. I gave the name & contact information for the person who lived there & paid their bills. They refuse to investigate or respond to the dispute. It has taken down my perfect credit score from XXXX to XXXX. I am a XXXX year old XXXX on ss & have paid all my bills before due dates. I will have died by the time this goes off my record! And I need my credit score to be returned & this off my record. XXXX has been XXXX 10 years. My ss is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive have submitted a ( 3 ) disputes on this matter to no avail, constantly reporting accounts of missed payments, and charge-offs As accurate when it is in included in XXXX  XXXX  XXXX. Its affecting my life I was recently turned down for school for this the adverse letter specified that I have late accounts and charge offs
Product: Credit reporting or other personal consumer reports

I would like this item investigated l. The inaccuracies are highly injurious to my credit score. 
Account : XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act.The account below has violated my federally protected rights to privacy.XXXX XXXX  # XXXX, Has violated my rights .15 U.S.C Section 602 A, States i have the right to privacy.15 U.S.C 1681 section 604 A.section 2 : it also statesa consumer reporting agency can not furnish a account without my written instructions .15 U.S.C 1681 ( a ) ( 5 ) Section States : no cusumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of informtion, other than the records of convictions of crimes which antedates the report more than seven years.15 U.S, C 1681s-2 ( A ) ( 1 ) A personshall not furnish any information relating to a cusumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I got a personal loan over 20 years ago! It was turned over to an attorney presolve legal group and they would not let me work a payment plan with them! Now it's on my credit report for an amount of money I will never be able to pay back! XXXX dollars and accruing interest and effecting my credit score. I am a single woman with no family to help me and struggling to make ends meet! Is there any advice u can give me to help me get that debt gone and off my credit report? Any help is appreciated Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Informed transition of issues they did nothing to fix issues also reported it was fraud and company had claim loss on the debt and they informed me that the company never reported
Product: Debt collection

I recently received a copy of my credit report and noticed several accounts and unauthorized debt account information reporting to my credit report. These remarks have been detrimental to my credit health and my life.
Product: Checking or savings account

The bank flagged a deposit incorrectly as Fraud. They froze the online access to the account at that time. As we have paperless statements, we were unable to access the account and our paychecks are deposited there as well. We have been trying unsuccessfully for a month to deal with this and have received zero response from the fraud department at the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting 51 late payments in the greater than 90 days category. On my XXXX  report, its reported as 51 charge offs, the time it went delinquent to the time I paid it off. I paid off other accounts and no one is reporting it like this. I just applied for a loan at a bank, and this is significantly dragging my score down. The total amount I was late was approximately {$150.00}. The loan officer said they had never seen it reported like that, and that it was excessively punitive. He said that I should be able to get it removed. 

I filed an investigation with XXXX XXXX requested that it be investigated and removed. They replied saying that it was correct and they were not removing it. It is a significant hindrance to my getting loans, and seems extraordinarily punitive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not consent to the following lenders pulling my credit report : XXXX XXXX Inquiry Date : XX/XX/2021 XXXX XXXXXXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/20XXXX XXXX XXXX Inquiry Date : XX/XX/2021
Product: Credit reporting or other personal consumer reports

Experian is incorrectly reporting my FICO credit score to my credit card company. The score they are reporting is almost 2 years old. I've called every phone number I could find for Experian, but I can never get through the automated attendant. The automated attendant isn't able to resolve the problem and it just hangs up on me. I have no recourse to get this corrected because I can't get through to a real person.

I tried to file a dispute through their website, but there is no option to file a dispute for an incorrect credit score.
Product: Checking or savings account

I submitted a dispute for unauthorized charges on my card by a merchant. I reached out to the merchant and proved that the charges were unauthorized. They keep declining my claims over and over when its clearly unauthorized. Its upsetting the lack of investigation when evidence is provided. No one wants to lose their hard earned money like that.
Product: Debt collection

I have a parment arangment for my student loans that were owed to the educational facility that I attened. I have authorized and setup a automatic set payment monthly on what I could afford with in my budget, the company key XXXX recovery is the company the arangment was set with. They Continue to call and harass me about this arrangements, stating that at first it was okay but they need more now. They inappropriately tell me to seek childsupport because I 'm a single parent or to borrow the money for me to make higher payments each month. Threatening wage garnishments if I ca n't make a large percentage payment. In the matter of XXXX day between XXXXXXXXthey called me XXXX times leaving XXXX voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my credit report. These inquiries have hurt my credit trmemdously, also causinf me a lot of emotional XXXX. Please investigate why these fraudulent accounts are popping on my credit profile. There's one from XXXX XXXX that dropped my score a lot. This is not fair.
Product: Credit reporting or other personal consumer reports

I am trying to apply for a credit card with XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) keeps saying they areUnable To Verify Credit Reference. Basically, they are unable to get my report from Equifax. This is weird because there is a hard inquiry from XXXX on XX/XX/XXXXXXXX  so Im not understanding how they can do a soft pull but not a hard pull. Also, my report and score updated regularly with XXXX XXXX and on my.equifax.com. 

Im really not trying to start and issues. I just want this looked into and resolved. I sent a letter twice to EQUIFAX at address XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/XXXX. I also uploaded the letter with my ID and social to my.equifax.com. 

I just want XXXX to be able to obtain my credit report so that we can proceed with them extending me credit. Please if there is an internal block, freeze, or anything with my credit report with EQUIFAX. Please remove that freeze and allow XXXX XXXX XXXX to obtain my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is showing opened XX/XX/2020 and closed XX/XX/2020 so " open '' for almost XXXX XXXX  from what they claim. 

Never had this account, never opened this account its not mine what so ever Sadly the " dispute '' process in this country is a complete joke, the " validate '' it for the " creditor '' no matter what because thats who the credit bureaus work for. 

This was disputed 3 times with all XXXX credit bureaus and nothing became of it, its all " valid '' ive never been shown anything to make it " valid '' what do ever because its NOT and thats why it can NEVER be shown!!!!
Product: Credit card

I visited the XXXX facility on Sunday, XX/XX/year>. My mother had found an XXXX ad of theirs for relatively cheap XXXX. Immediately during my consultation with a man named XXXX, he insisted that I do not need XXXX - rather a slew of lasers, injections, and fillers to be done over some time. As his face lit up, he exclaimed that he could do a before and after mother/daughter duo for {$120.00}. 
XXXX asked for my driver 's license and social security number, for what I assumed would be to input my information into their system for when we would come back for these future services. My daughter even gave him an old driving license with a previous last name before marriage and the wrong address. Upon further thought, as we were driving home, we both decided that perhaps this was not a good idea, and we should cancel. As soon as XXXX opened on Monday morning, I called the office to let them know that we would not be proceeding. At this point, the woman at the front desk stated that it was too late, but perhaps XXXX could refund half of the money. This is when I realized they had signed me up for a Care Credit card using an expired license with my incorrect last name and incorrect home address. Anything I signed that day was using pre-marriage last name. My daughter has also recently found out that they opened a SECOND credit card in her name with another bank, which she also has to claim identity theft for. It is very clear that this establishment is a scam, and that they use their clients personal information to collect money for no service. Per the Florida Attorney General, In Florida, if you contract for services to be rendered in the future continuingly, you are entitled to a three-day cooling-off period. 
At this point, I have no intention of ever going back to this establishment and am unsure How can they even claim to make me pay for something that I will never get? 
By the way, the guy who supposedly sold us, told me the next day that the owner told him '' Don't worry, this bank always stands with us and never refunds the money to the consumer.
Product: Debt collection

XX/XX/2022, {$2400.00}. One Main was part of my debt consolidation which they agreed on a lower rate. The loan with One Main was paid off via the cost they agree on with the company. Everything was finalized and they were paid. 

I feel that they should have not ask for any additional money since they agreed to the payout amount to close the loan account. 

They sent me a XXXX XXXX  which should have never been reported!! How can a promise to take a loan payment agreement to resolve it become a scam to get additional money via taxes? This should have be resolved and written off as agree!!
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian has failed to respond to several inquiries about collection accounts and also change my address, failed to confirm a debt, e tc. 1 ) I have sent experian more than 10 letters in the last seven months about inaccuracies on my credit report as they are reportin g a bankruptcy and  XXXX  collection accounts (   XXXX   XXXX   ) and  XXXX   XXXX   XXXX  ) that do not belong to me. I have never filed Bankruptcy. I asked them to verify this information and at first they would not respond. then they sent a letter saying thy verified. When I called and explai ned the county  could not verify it for me and I have documentation they told me to mail it to them which I did but nothing changed. In  XXXX  and  XXXX  they also added  XXXX  collection accounts that do not belong to me. I asked them to verify and they claimed they did. When I contacted the companies they did n't have the right person nor the right address. ( They did n't even have the correct state ) I contacted Experian via phone and mail and they have done nothing. These  XXXX  negative items are severely hurting m y credit score. Even with putting my correct address on my report has been an issue that takes 3 or 4 letters, 4-5 calls and copies of my lease, pay stub and drivers license.
Product: Checking or savings account

I have disputed two unauthorized transactions on my XXXX Debit card account and every time theyre rejected without even doing an investigation into my claim! 


I did not make these two transactions on my account! I submitted a police report and messages from the merchant that the card was used at! What else do you guys want?! 


You do not protect your cardholders and Ill be contacting my attorney general if you dont sort it out!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiries : On XX/XX/XXXX, there was an unauthorized inquiry by XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX and XXXX made unauthorized inquiries. 
XXXX, XXXX, XXXX, XXXX, AN # XXXX, XXXXXXXX XXXX, and XXXX all made unauthorized inquiries on XX/XX/XXXX. 
XXXX made an unauthorized inquiry on XX/XX/XXXX. 
XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX  # XXXX made unauthorized inquiries on XX/XX/XXXX. 
Several other unauthorized inquiries were made in XX/XX/XXXX by entities such as XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX and XXXX. 
XXXX made an unauthorized inquiry on XX/XX/XXXX. 
Account Validation Requests : I am requesting validation for an account with XXXX, with a partial account number ending in ****. 
I am also seeking validation for an account with XXXX XXXX, with a partial account number ending in ****. 
Additionally, I am requesting validation for an account with XXXX  XXXX, with a partial account number ending in ****. 
I believe I am a victim of identity theft, as many of these inquiries and account associations do not accurately reflect any transactions or authorizations I have made. 

Previous Attempts to Resolve : I have proactively attempted to address these discrepancies by sending letters via certified mail to the respective companies detailing these issues. However, despite ensuring they received my letters, I have not received any responses or corrections within the XXXX timeframe as mandated. 

I am now seeking the CFPB 's assistance in facilitating a thorough investigation into these matters and ensuring appropriate corrections to my credit report.
Product: Debt collection

Progressive MGMT SYSTEM has failed to validate a debt they 're claiming i owe for medical services rendered in XX/XX/XXXX. I sent out a letter requesting they do so in XX/XX/XXXX and then again in XX/XX/XXXX. I 've not received any debt validation from them, and just today they have flagged my credit report and added multiple derogatory collections, which has caused my score to drop again. My report is showing the debt being reported on XX/XX/XXXX for XXXX and then again XX/XX/XXXX for the amount of XXXX from services rendered at XXXX XXXX XXXX XXXX XXXX. I 've had medical since XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX/XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
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 Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices which violated consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform l, 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 reporting, credit repair services, or other personal consumer reports

The bankruptcy its not supposed to be on my credit report
Product: Mortgage

Wrongful Foreclosure was initiated by Nation Star Mortgage and XXXX XXXX XXXX XXXX XXXX by recording a Notice of Default To Sell under Deed of Trust. The Lender, Trustee failed to follow State of Nevada statutory requirements or procedures in good faith. The Lender, Trustee did not notify or send any foreclosure documents of Notice of Default nor a foreclosure Mediation enrollment form by regular mail, registered mail or certified mail to the property owner, borrowers address, after the recording and mailing described above per Nevada legislative all homeowners in default " SHALL '' be notified and become eligible for the Mediation program with proper notice. Lender, Trustee is using their shady deceptive aggressive debt collection tactics of non-compliance with notifications to illegally foreclose. Section XXXX thru XXXX of the Nevada Revised Statues specifies procedures that must be followed for non-judicial foreclosures. A Lender, Trustee sale may be set aside for lack of substantial compliance with any of the requirements of XXXX Nev. Re. Stat. XXXX ( XXXX ) ( a ) ( b ) ( c ), damages may be awarded if the foreclosing party has failed to comply with specified waiting periods or with notice and recording requirements specified in XXXX, were improper. Borrower has had previous mediation 's over the years and was issued from the State of Nevada Supreme Court Foreclosure Mediation Program a Certificate of No Foreclosure, Will Be Issued for the property, every time we went to mediation. Lender, Trustee never recorded a Rescission of Declaration of Default and demand for sale notice. Lender, Trustee is constantly and consistently recording Notice of Default to Sell Under Deed of Trust and Affidavit of Authority to exercise the power of sale is erroneous, false, fictitious, and fraudulent documents. There is suspected Robo-Signed assignments and documents via XXXX, XXXX, XXXX , XXXX, etc.. Who have literally destroyed the entire financial banking industry with their bogus fraudulent assignments. Thus recording requirements were not met. We have spoken with and have email correspondence with XXXX, who has stated they do not own the loan and have no say in any disposition of the loan or modifications. Loan Modifications were denied ( 6 ) times over the years. The Lender, Trustee, beneficiary have no standing, nor is the correct party in interest to seek or bring a foreclosure action. The reason they have lost at mediations. They have no authority to enforce any loan if any exist, due to Breach of Contract. This foreclosure is initiated after the Statue of Limitations has expired seven years in Nevada XXXX XXXX.The Lender, Trustee claim is invalid and not entitled to foreclose. They have clouded the owners, grantors Chain of Title by repeatedly recording a wrongful Notice of Default and Election to Sell Under the Deed of Trust. Requesting SANCTIONS against Nation Star Mortgage and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX ) ( XXXX ), for unfair lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 3 collections on my credit report from Credit systems inc. I was told by the company in question that if i paid the collections then the they would be removed from my credit report. The collections have been paid and i have made repeated attempts with the company and the 3 credit bureaus to get the paid collections removed but have had no success. Please help as they are negatively affecting my credit score and i was told they would be removed.