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

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as collection/charge off. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, XXXX, and Transunion ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.
Product: Vehicle loan or lease

Contract # XXXX I financed a used printing press in XX/XX/XXXX. The CONTRACT states it is for a used XXXX model. I received a XXXX model. 

I filed a complaint with the XXXX on XX/XX/XXXX and received the attached response from Financial Pacific on XX/XX/XXXX. 

In the early stages, XXXX XXXX did send me an email stating he had a XXXX XXXX XXXX  XXXX XXXX. We talked about several different machines all with different years. At a later date, he then told me via telephone that it was a used XXXX model. The contract stated it was a XXXX model. Why didn't the broker ( XXXX XXXX, XXXX XXXX XXXX ) or Financial Pacific Leasing put the serial number in the contract? Attached to the complaint, is an email between XXXX XXXX XXXX and the original owner of the machine, proving that he had the serial # the entire time and was aware, that it was NOT a XXXX model. 

How and why didn't the broker or leasing company verify the serial # so they know exactly what it is they are financing? 

No one from Financial Pacific Leasing has reached out to me for a resolution. They have however, reached out to the co-signer threatening to sue him and demanded he return the machine, which legally does not belong to him. 

In this complaint, is my new proposed resolution in which I consider fair for all parties involved.
Product: Credit card

On XX/XX/2024, I received mail from Bank of America stating " We've made the decision to close your credit card. '' for " Irregular authorized user activity on XXXX or more of your accounts ''. 

When I called on the phone, they stated the same thing. I requested further information regarding which irregular activity it is, which they responded with " We can not provide more information ''. 

I told them this is against my consumer rights to not provide any more information, as they can state this, without giving any evidence to why, even if my account had no irregular activity, and I would be taking legal action if they do not. But again, they have mentioned that they are not able to provide further information.
Product: Credit reporting or other personal consumer reports

I have previously disputed several accounts with the credit bureau for inaccurate reporting and because I had no knowledge of these accounts appearing on my credit report. Despite this, the credit bureau sent me a report stating that these accounts were verified. However, I have already disputed these same accounts through the CFPB, and none of them were able to verify the debt. I am confused as to how the credit bureau can now claim that the accounts have been verified. 

Given the credit bureau 's incompetence in handling this matter, I am requesting a thorough investigation. I have attached copies of my FTC report, a police report, my identification, and proof of address to support my case. Before I proceed with seeking legal representation against the credit bureau, I want this matter resolved properly. 

Below is a list of the accounts I believe to be fraudulent and in violation : XXXX XXXX Account Number : XXXX Amount : {$1900.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$170.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Amount : {$1600.00} XXXX Account Number : XXXX Amount : {$780.00} XXXX XXXX Account Number : XXXX Amount : {$500.00} And the following : XXXX XXXX XXXX Account Number : XXXX Amount : {$100.00} XXXX  XXXX Account Number : XXXX Amount : {$310.00} XXXX XXXX Account XXXX : XXXX Amount : {$110.00} XXXX XXXX XXXX Account Number : XXXX Amount : {$220.00} NatCreadj Account Number : XXXX Amount : {$290.00} I am looking forward to a proper resolution to this issue.
Product: Debt collection

I do not owe Diversified Consultants. Ive never discussed business with them and no contracts were signed.The account that they are referring to was a result in identity theft and has been resolved. I have hired an attorney to peruse will legal matters if Diversified Consultants continue to report false information to the credit bureaus. Ive attached proof that this account was deleted. This acount has been flagged for fraud. Please remove all inaccurate, false information from all credit reporting agencies.
Product: Money transfer, virtual currency, or money service

Cash App has faced criticism and legal action due to allegations that it does not provide a real XXXX number or live agents to assist customers when issues arise. This lack of accessible customer service is claimed to be against the law, as financial service companies are generally required to offer adequate support to their users. Customers have reported that when they try to contact Cash App for help, they are directed to automated systems or given false XXXX numbers, which leads to frustration and unresolved issues. These actions have led to lawsuits, arguing that Cash App 's practices are deceptive and fail to meet legal standards for customer support. 
On XX/XX/year>, I encountered an issue with my Cash App account. I attempted to contact customer service for assistance, but I discovered that there was no real XXXX number or live agents available to help. Instead, I was given false numbers and automated responses that did not address my problem. This lack of proper customer support is against the law, as companies are required to provide accessible customer service options. Despite multiple attempts to resolve the issue, I was unable to get the help I needed, leading to significant frustration and inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that TransUnion Credit Bureaus closed my complaint to protect my PRIVACY. I called TransUnion after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were XXXX, XXXX, T ; XXXX, XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$94.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX : {$58.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX FIN XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Product: Credit reporting or other personal consumer reports

This is my second 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 an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Kimball Tirey from what I can find represents landlords. They have illegally opened an account in my name without providing any information for supposed debt. I have tried on numerous occasions to reach out to the company. I have disputed with XXXX with no resolve all other agencies have removed. 

I do not know what I can do to resolve it appears they are a large law firm with a history of complaints and shady practices. 

I am not sure what other steps I can take to have this removed from my XXXX  account
Product: Debt collection

XXXX 2022 email from debt collection informed they were trying to collect funds owed to XXXX  is a certified agent of the veterans XXXX and cant attempt to collect from veterans who have received awards for XXXX.
Product: Checking or savings account

Within the last couple of weeks ( XXXX ), there were some fraudulent transactions on our Sofi checking account. Sofi caught all but 3 and we were able to cancel 2 " pay a friend '' transactions. We thought we had cleaned everything up and we changed passwords etc on XX/XX/2024. On XX/XX/2024 we were notified by email that our account was frozen again due to suspicious activity. We received an email a few minutes later stating that the account was unfrozen. However, our account is frozen still ( going on 2 days now ). We have called and they will not give us any detail other than asking us if we made a recent " pay a friend '' transaction to which we said no. 
They can not give us any other information NOR is there anyone to escalate the issue to. We just have to wait for them to review and unfreeze our account. There's no time-frame for this. We have bills to pay, gas and groceries to buy, etc.. We've called several times and support tells us the have escalated it but they can't give us any idea of when it will be resolved. This is very frustrating. I'm glad they caught the fraudulent activity however they are now holding our account hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Kick off account # # # # XXXX XXXX XXXX account # # # 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 I have the right to privacy 15 U S C 1681 section 604 A section 2 a consumer reporting agency can not furnish a account with out my written instructions
Product: Mortgage

I have had mortgage forbearance through the Coronavirus Aid, Relief and Economic Security ( CARES ) since XXXX as it has been extended until XX/XX/XXXX. A white envelope has mailed by the mortgage company arrived which contained Mortgage Modification documents along with other documents required to completed by the NOTARY PUBLIC OFFICER. 
I have taken such documents for the Notarization as directed and mailed completed documents within said due date to the mortgage company in provided stamp free envelope. The required documents has notarized and mailed twice in different dates after talking back and forth without resolving errors & delayed in process to complete Loan Modification has caused Rejection by the MORTGAGE SERVICES. 
I noticed on my credit report that my mortgage company is reporting monthly to the credit bureaus that my balance has increased. In addition my sons and my score dropped XXXX points. My credit reports now say my mortgage balance is over {$16000.00} more than I actually owe. I read that " As part of the Coronavirus Aid, Relief and Economic Security ( CARES ) Act, mortgage accounts in forbearance as a result of COVID-19 can not be reported negatively to the credit bureaus by lenders. Also adding incorrect information, and decreasing my credit score due to this erroneous information? 

One final note Our account XXXX myself & my sons ) in good standing when the forbearance began. 

I would like explanation on error from MORTGAGE Company on following issues as follows. 
1. MISCOMMUNICATION WHILE PROVIDING INFORMATION TO COMPLETE MODIFICATION DOCUMENTS. 
2. FAILED TO PROVIDE SIMPLE & CLEAR POINT TO POINT INSTRUCTIONS IN BASIC ENGLISH FOR NOTARY PUBLIC OFFICER. 
3. AS CALLED TO SPEAK WITH THEM ( WHO EVER PICKUP PHONES ) UNABLE TO SPEAK CLEAR ENGLISH TO BE UNDERSTAND ). NOR UNABLE TO PROPERLY RECTIFY ISSUE BY SAYING, THE COMPUTER SYSTEM IS SLOW, THE MODULE ARE NOT FULLY LOADING ON THE COMPUTER AND APOLOGIES REPEATABLY WITH OUT LISTENING & SOLVING THE ACTUAL ISSUE. 
4. ALSO WHEN EVER HAVING PHONE COMMUNICATION FIRST WORD COMES OUT OF THERE MOUTH IS DEMANDING FOR THE DUES WITH THREADING. 

I would like this matter to be rectify in professional manner in the COURT OF JUSTICE to teach such company a lesson by revokes their license to practice in the STATE OF TEXAS for minimum of 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday XX/XX/XXXX the included background check result was emailed to me by XXXX XXXX, whom is a First Advantage Customer Care Representative - SR # - XXXX. On the 6th page of the attached report, the " Score Result '' is listed as Decisional. Meaning, XXXX 's XXXX XXXX was deemed responsible to make a decision of if I am eligible for hire at the XXXX, Georgia XXXX Fulfillment Center located at XXXX XXXX XXXX XXXX. After speaking with numerous amounts of customer care representatives both at XXXX and First Advantage, I discovered I was discriminated against. I was informed I was ineligible for hire due to my background check results. Zero or none of the charges pending under the First Offender 's Act law was subject to the " disqualify a person in any employment application as provided in O.C.G.A. 42-8-63-1 ''. In other words the charges against me were not of a XXXX, child/elderly abuse offense, or to become a peace officer nature. Review the attached First Offender Act Clause provided to me by my Attorney in XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus have kept this account open for the last couple years without verifying AFTER I sent them MULTIPLE letter asking for them to verify and THEY CAN NOT. 

This is with XXXX XXXX XXXX for the amount of {$1100.00} One XX/XX/2020 I sent 3 letter to all 3 bureaus. 
One to tran union One toXX/XX/XXXX And one to XX/XX/XXXX And they are not verifying anything. Section 609 requires them to verify and since they are not verifying they must REMOVE from my account IMMEDIATELY. 

I AM TIRED OF THIS.
Product: Credit reporting or other personal consumer reports

ON MY ACCOUNT THERE WAS A NAME XXXX XXXX WAS ADDED TO MY ACCOUNT WITHOUT MY CONSENT ALSO THERE WAS CHARGES RACKED UP ON THE ACCOUNTS AND I DID NOT ADD THEM TO MY ACCOUNT IN TRYING TO WORK WITH THE BANK TO REMOVE THE NAMES AND FIX THE AMOUNT ON THE ACCOUNT ENDING IN XXXX {$20000.00} ALSO ACCOUNT ENDING IN XXXX {$10000.00} IN CHARGES WE DID NOT MAKEON THE ACCOUNT IT WAS ALL MADE BY FRAUD PERSON AND WANT EVERYTHING TO BE REMOVED FROM THE ACCOUNT. THERE WAS UNAUTHORIZES CREDIT CARD CHARGES ON THE ACCOUNT, ALSO SOMEONE WAS ADDED TO MY ACCOUNT WITHOUT MY PERMISSION I TOLD THE CRDIT CARD COMPANY AND THEY ARE NOT TRYING TO FIX THE FRAUD ISSUE. IDENTITY THEFT WAS TAKING PLACE ON MY ACCOUNT PHONE NUMBER EMAIL ADDRESS SOCIAL SECURITY NUMBER DATE OF BIRTH WAS USED TO MAKE FRAUDULENT CREDIT CARD IN MY NAME IT WAS ALL MADE BY FRAUD PERSON AND WANT EVERYTHING TO BE REMOVED FROM THE ACCOUNT AND CLOSED ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of paid/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

I went to ATM after hours after picking up kid from XXXX, XX/XX/XXXX at XXXX in XXXX Vermont XXXX I needed to deposit tips from the weekend, most of my income is in cash. I deposited XXXX XXXX 's ; XXXX fifties ; and XXXX XXXX dollar bills, for a total of {$400.00}. I'm absolutely positively certain of this, I live on my cash tips. I knew what I needed in account to cover checks i mailed. I immediately see error come across screen, then option to do a, forced deposit, which I had never heard of before this instance. The machine never kicked out my funds while I was present. I typed in exactly what I know for fact I deposited, and thought it would put funds in account. I visit same branch ATM again XX/XX/XXXX, see {$400.00} deposit ( credit ) then a {$300.00} debit, they took funds back out. I went in bank and spoke to Assistant manager, XXXX XXXX, who said she would file complaint or claim, and she told me " this particular ATM does not like big bills '', such as fifties and hundreds after I told her I size of bills deposited. It was quite clear ATM deposited my XXXX XXXX 's, and did who knows what with the {$300.00} balance in bigger bills. I was told funds would be taken care of but it may take 10-15 days. ,10 days later nothing happened, spoke to XXXX XXXX again XX/XX/XXXX and she states Audit of ATM was recently done XX/XX/XXXX, I should have my funds soon. I received a letter today XX/XX/XXXX stating their investigation is complete and they say I basically lied or tried to benefit from this forced transaction and they or the ATM vendor are stealing my money and not going to fix mistake they created. I would not escalate this situation unless I felt I have been wronged and I feel I was robbed by that machine and don't understand why nobody can check a camera from that night and how is {$300.00} just lost in a machine and nobody can find it? I felt compelled to go above and beyond the company, they obviously don't have my best interests in mind, I will not accept having my hard earned money stolen, by my own bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account number XXXX This home equity line was opened in XX/XX/XXXX and was originally with XXXX. It was sold to XXXX and subsequently sold to XXXX. When the account was sold to XXXX it basically disappeared. There was no record of the account on my credit bureau nor could I make payments on the account. My bank records for XX/XX/XXXX only go back to XX/XX/XXXX, and no payments were made during that period ( I ca n't recall any payments made in XX/XX/XXXX ). There was a payment posted in XX/XX/XXXX with XXXX, and then because of the transfer to XXXX, I was unable to make payments. 

My credit report is showing last payment made on XX/XX/XXXX, however, there is no record for day of first default. I have contacted XXXX and filed disputes with all three bureaus with no resolve. My dispute is with the reporting of the account. It disappeared from my bureaus for about 3 years and then randomly came back just over a year ago. Proper recording of the account is required by law and I am having no luck with anyone. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to XXXX XXXX and applied for a credit card. When checking with Experian I was advised that my credit was frozen and I could not get the card. I called Experian and could not talk to a human. I applied for a temporary freeze lift and was advised it was approved. When checking back with XXXX on the XX/XX/XXXX the freeze was still not lifted, and when checking again with Experian, they not only did not lift a freeze but voided my pin #. Still never got a live person, sent an e-mail to them, no response and sent a letter to their local office, marked urgent, asking for their help. Never got a response. 
On SaturdayXX/XX/XXXX I applied for a permanent un-freeze of my credit report. I paid a {$5.00} fee which I have a copy of the statement. I received a written confirmation on my computer that the freeze was lifted. 
I waited until XX/XX/XXXX to call XXXX to see if the freeze was lifted. It still wasn't! I re-applied to Experian and have a written note that my credit was not frozen. There was a mis-communication between XXXX and Experian. I was never able to speak with a person at Experian. This is a disgrace.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was alerted of a wide scale breach of Equifax 's consumer information database XXXX XXXX, 2017. I visited a website created by Equifax and was informed that my personally identifiable information has been compromised. I have placed a 90 day hold on my credit reports. Equifax has an obligation to protect my information and has failed to do so. Further, Equifax has offered to provide free identity and credit monitoring service to all U.S. consumers, but only if the consumer agrees to waive their right to class action lawsuit. I find this practice to be deceptive.