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

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX.
Product: Debt collection

The CBE group continues to call my business on a daily basis, XXXX to XXXX times per day. When I have contacted them to remove my phone number from their call list they continually tell me that they have. We do not have any outstanding debt that they are servicing and there is no reason for their daily phone calls. I can not resolve this situation through the CBE group and am requesting that I can block their number XXXX from calling again.
Product: Consumer Loan

In XX/XX/XXXX I took a loan out with Western Sky in the amount of {$2600.00}. I have since paid back over {$9000.00} to XXXX different companies, Western Sky, XXXX XXXX, and Delbert services. I paid what I thought was my last payment in XX/XX/XXXX and now I am getting calls from a company called the XXXX stating I owe another {$1600.00}. They are calling me at work after asking them not to, and calling my mothers home harrassing her and telling her she is involved and going to take her to court also. They told me if I do n't pay them in 3 days they will sue me. I need advice how to handle this matter.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} XXXX Late 120 Days XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Charged off XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$780.00} Charged off XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Transunion have been sent 3 three disputes about the inaccurate accounts : 1.  XXXX XXXX 2. XXXX These inaccurate items do not give me a fair and accurate credit report according to the Fair credit reporting act.
Product: Credit reporting

On XX/XX/2016 I sent Equifax a notarized letter that there were inquiries on my account that I did not verify and did not recognize. I gave them a list of companies that I never asked to verify my credit. I requested that they verify the accounts and send me verifiable proof with my signature. They replied that the inquiries were verified but did not provide me with a verifiable signature from me authorizing the companies to check my credit.
Product: Debt collection

I do not believe that I owe any debt and I have requested to Capital one to verify the debt by providing certain information like the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves that this creditor has suffered a loss. To date I have yet to receive a response. I have attached the dispute letter that I have sent them.
Product: Credit reporting or other personal consumer reports

my credit has been impacted drastically with these hard increase I have or old accounts that were paid enclosed and makes no sense that I have 15 open accounts. Also also back when I had XXXX XXXX, they added a piata rent to track. When you pay rent and it dropped my score XXXX XXXX  I didnt know who to contact in my credit score still suffers please help remove anything. That is a negative inquiry immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts has violated my rights : 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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I made payments to American Credit Acceptance using their online portal to use XXXX XXXX. On XX/XX/2023 I paid XXXX using my debit card and was charged twice. On XX/XX/2023, I paid XXXX, which also was charged twice. At that time I have tried over and over again to communicate with this company to get those payments applied to my account or refunded. I have sent multiple copies of my statements to no resolve. I received an email stating that those funds were refunded to my account which the statements show that they were not. I tried disputing it with my bank in which they told me the merchant said it was paid so no refund is going to be given and the case closed.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN ), Consumer Dae of Birth : ( Private DOB ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer 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 personal credit card, Auto loan accounts, Mortgage loan account, XXXX XXXX account and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquiries are the result of Identity Theft and Fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practice, 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 see appropriate redress for these violations
Product: Checking or savings account

I HAD A BANK ACCOUNT WITH WELLS FARGO BANK XXXX INCUDING CHECKS & DEBIT CARDS. {$4000.00} OF SOCIAL SECURITY DIRECT DEPOSIT MONTHLY BENEFIT CHECKS WERE LOST OR STOLEN. I FILED THIS AS MISSING WITH WELLS FARGO BANK ( S ). I DID NOT RECEIVE A RESPONSE OR RECOVER ANY OF THIS MONEY. I RECEIVED A CHECK FOR {$10.00} THIS WEEK STATING THAT AFTER BANK FEES THIS IS THE TOTAL ACCOUNT RECOVERY PAID TO ME. THE ACCOUNT IS GREATER THAN 7 ( SEVEN ) YEARS OLD & WAS CLOSED WHEN I DISCOVERED THE {$4000.00} SHORTAGE.
Product: Checking or savings account

XX/XX/XXXX, tried to deposit a check in the amount of {XXXX}. The Check was partially skewed and the App wouldn't accept the check. I took the check down to a local Credit Union that I bank with as well and deposited it in person. Capital One then showed that the deposit was in my account. I called and had the check reversed thinking that the one at the local credit union would be the one that would go through. The local credit union ended up reversing the check as well because Capital one requested the money under a duplicate deposit. I have called capital one a few times about this and have to explain the situation every time. No one seems to understand what is going onXXXX. I have also been in communication with my local credit union and they have given me the XXXX number off the check to provide to Capital One. Capital One still has not gotten anywhere with this. My local credit Union is XXXX  XXXX XXXX XXXX. this has been going on for over a month now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an ongoing issue  with Macy 's credit. T hey claimed I was 30 days late twice. It was reported to the credit bureaus. I was completely unaware at the time that account was late and when I found out I paid the entire balance. The account had a low balance of around {$100.00} at the time and I have had an account in good standing for at least 15 years.  <P/> It is SO frustrating that so far I ca n't get this fixed. And so disappointing not to be listened to or taken seriously.  <P/> I placed m y Macy 's card onlin e on autopay in order to pay my bill automatically. I saved the screen and it said it showed the auto pay was supposed to be started. Apparently, unaware to me it did not work. I never received any notice that my payment was late, no calls, emails or bills. The first late was  XX/XX/XXXX - I had no IDEA WHATSOEVER THAT THIS WAS EVER LATE. Then on XX/XX/XXXX  I got a late mark on my credit report and was unaware due to thinking I had auto-pay on until I finally received a letter saying my payment was n't made at that time IMMEDIATELY I paid my bill.  <P/> I call ed Macy 's se veral times, they were unresponsive to me and routed me around to multiple people all telling me different things and treating me like I am making up a story or not being honest.  <P/> I tried to correct this by discussing this  with Macy 's credit, and the higher ups and they will not take any responsibility or show me any proof that they tried to contact  me and got through or that their auto-pay was working correctly.  <P/> Macy 's is unreliable and negligent with their customers, wo n't take responsibility for their disorganization! And then the customer pays the price for Macy 's errors!  <P/> I want these late marks on my credit removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute on my credit report for a medical bill with XXXX XXXX. The contact information listed for the creditor on my credit report is wrong. I have called that number many times and it doesnt connect. I have XXXX  numbers to call and none of those numbers work as well. I have called XXXX Hospital as well but I need my bill number which I dont have since this is from years ago. I have tried to paid and can not get in contact with anyone to pay. Please remove this from my score.
Product: Debt collection

On XX/XX/XXXX  this company received certified mail asking for validation of debt. On XX/XX/XXXX  the company still did not validate debt owed and they did not mark the debt disputed by   XX/XX/XXXX   through the major credit reporting bureaus. This is a violation of the FDCPA and FCRA. I did send a second letter which the company received on   XX/XX/XXXX  . A lady from the company called and talked to me about the debt on XX/XX/XXXX    but again did not have the credit bureaus mark the item as disputed. The company still violated the laws.  Section [ 15 U.S.C. 1681s-2 ] ( 3 )  duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed. ( B  ) ti me of notice! The notice required under sub paragraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section  603 ( p ).  This company violated the state laws. I received no information until XX/XX/XXXX . Therefore by law the company should have the item removed from the credit agencies such as transunion and  XXXX . I tried to call the company back about the laws that was broken and left my name no return call. The copy of my credit reports are below and as you can see the items was n't marked disputed.  XXXX  is marked disputed because on  XX/XX/XXXX  I myself disputed the information with the credit bureau. The lady stated they did n't receive my dispute letter until   XX/XX/XXXX    . Included is certified mail reciepts with date, time stamp, and signature of the person who signed for the certified mail on   XX/XX/XXXX     and   XX/XX/XXXX    . So again the company violated the laws and I have all the proof. If I have a contract with this company please send to me by mail a contract bearing my signature of the contract.
Product: Mortgage

Pennymac is not acting in good faith, and are ignorant to my complaint, they are reporting a negative account under my name with no history. Despite several attempts to correct it and advising them that it 's not mine.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and have discovered the following fraudulent accounts and inquiries on my credit report. These accounts and inquiries were not authorized by me. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that they be immediately blocked and deleted from my credit report : Fraudulent Accounts 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ally Financial has repeatedly violated provisions of the Fair Credit Reporting Act ( FCRA ), the Privacy Act of 1974, and other relevant federal regulations, resulting in the furnishing of inaccurate information to consumer reporting agencies. Despite being put on notice, the consumer reporting agencies has failed to take corrective action. I demand immediate compliance with federal law and cessation of unlawful reporting. Transunion, equifax, and experian, are in violation of my human rights. The FCRA clearly states a consumer report does not consist report containing information solely as to transactions or experiences between the consumer and the person making the report. Additionally, under 15 USC1681s2a, prohibits information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Despite my notification to XXXX regarding inaccuracies in their reporting, they have failed to cease furnishing incorrect data to these agencies. The payment status being reported all months, different dates across all consumer agencies, dates of delinquencies are false. I've written a letter asking not to share information to any parties also not to furnishing wrong information to them, they still have ignored my request and continued to furnish false information upon me. I've sent letters to agencies to investigate these false misleading accounts and even they still did not fix. After putting them on notice of this behavior, the reinvestigation DID NOT fix anything which is in violation of still misleading inaccurate information. They still did not comply with federal laws and neglected the fact of myself putting them on notice of continuously errors. These agencies have violated many of my rights, which affects my ability to get more further my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW TB Auto Finance loan for a XXXX purchased. TD Customer service calls me and hangs up every day, their dialing system does not work. I had set up direct deposit payments, but their system did not process XXXX, which was supposed to be first month drawn direct. All payments are made and current. No payments were made late, yet TD Auto is reporting the XXXX payment as 30 days late. Their customer service person recognized the error and noted in system but refused to change the credit reporting. Gave me a PO Box to mail a request to update credit report. No response to multiple mailings. This one incorrect reporting dropped my credit score 64 points in 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was assuming that I was creatign a free account on Transunion website. However, that was not the case. The website shows a poor job of telling you if the account you are creating if free subscription or paid. All it says is credit monitoring and that it is a subscription that you can cancel anytime after going to the website from a XXXX search of Transunion credit report. It does n't mention if it is a trial either where you have x amount of time to cancel. All it does is tell you to create a user name and password, enter your personal information, and your credit card and go to your profile. After going to my profile, I had issues getting TU Credit Lock feature to work due to some mismatched information that I do not know of. I contacted Customer support online and offline, Fraud department, and other numbers mentioned on gethuman to resolve the issue but each department kept referring me to call the other where no one knew about the service and the reason for the issue, and how to resolve it. It is then when I looked into the issue myself as I looked to check my profile information on the Transunion site that I have signed up for a paid service and that they took {$20.00} out my account. I contacted the billing department and that stated that since I signed up and automatic payment was made that they will not refund me the money despite their misleading webpage regarding what you are signing up for and if it costs. After informing them that I will make a complaint, they have now updated their page to show the pricing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 consists of XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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: Debt collection

XXXX XXXX XXXX has asked me to pay a maintenance fee for a time share which has employed deceptive and unethical business practices. I have expressed a desire get out of the obligation alotgether due to the lies I was told when initiating the original contract, Since I do not have the financial means to afford an attorney to pursue the original creditor, XXXX XXXX, to release me from my contract, I have expressed to Equient ( the caller ) a resignation to my need to pay, but no current ability to pay. I have expressed that there is expected to be no clarification or change in my ability to pay prior to XX/XX/2018. They have threatened the possibility of 3rd party collections, and I have acknowleged that possibility. I further expressed an inability to accept calls between XXXX and XXXX when I work with XXXX XXXX XXXX in the community, not in a typical office setting with scheduled breaks. They have continued to call me during these hours each day, sometimes several times per day. On a few occasions I was able to answer the call and again requeste the cease and desist with calling me when I am working. Today, an employee named XXXX XXXX me in a call at XXXX XXXX that she can put a hold on calls for a few days, but that they can not keep their automatic dialer from calling after that. I explained that this is harrassing at this point and disrupting and upsetting at my job. She kept me on the phone for over 10 minutes to verify my identity, state the mini-miranda, put me on hold to speak with a manager, etc. and still could not assure me the calls will stop now.