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

Transunion XXXX XXXX # XXXX updated XX/XX/XXXX last payment XX/XX/XXXX. Current up to date asking for late payment XX/XX/XXXX be removed. I am currently in good standing with this company.US Dept of Education # partial acct Transunion XXXX Please remove fraudulent. One account already deleted due to Fraud. Last date updated XX/XX/XXXX. This is also a 3rd party creditor. I did not authorize. Transunion XXXX XXXX # XXXX to be removed it is charged off. Transunion XXXX XXXX # XXXX to be removed it is in collections 3rd party creditor. I did not authorize. According to the F.C.R.A.15 U.S.C ( a ) 4 states There is no need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy.
Product: Mortgage

Due to children having to do virtual school I was unable to keep my full-time job therefore got behind in mortgage payment.
Product: Debt collection

XXXX XXXX XXXX neglectfully let someone open an account under my name and rack up a large bill. There was ZERO attempt to contact me and I knew nothing about it until a I saw this was sent to a collection firm ( which lied claiming they sent a letter to me ). While I was the victim of XXXX 's negligence in verifying their actual customer, I went through the time/effort of filling out the forms on XXXX XXXX website and they agreed it was fraud. The collections agency stopped collections too. I made complaints against both firms at that time and you can see that under my history here. Now starting last week I starting getting calls from yet ANOTHER collections agency ( AFNI Collections ) on behalf of XXXX XXXX XXXX XXXX AFNI informed me that I still owe XXXX XXXX XXXX {$1000.00}. I call on the CFPB to do everything they can to punish these firms that make my life miserable, when I have zero involvement in their negligence. I implore you to look into this case specifically as this is clearly illegal to continue to attempt to collect money form someone who was the victim of that firms negligence!
Product: Credit reporting or other personal consumer reports

This report is being submitted to address inaccuracies on my credit report. Equifax has verified that a system malfunction caused my personal information to be leaked and subsequently used without my consent. I have faced denial of credit because of this, and I am requesting prompt resolution within XXXX business days.
Product: Debt collection

On XXXX XXXX 2017 I checked my PO Box and there was a notice there from a collection agency to the name of " XXXX XXXX XXXX '' I instantly called ( XXXX ) the number on the front of the letter and got a lady named " XXXX '' ( I think I really do n't remember her name. She asked me did I know the debt I told her I did n't and asked what this was about. She asked me to verify my last of my social or she would n't be able to provide me any information. I told her I didnt feel comfortable and she said she did n't know what else to tell me. I verified the last 4 digits of my social and she said I owed this bill. I told her I didnt know what the bill was and may I speak to a manager. She stated that I knew what it was and that I would need to pay it. She said it was in my name. I explained to her thats not even my correct name yes my name is XXXX but my last name is n't XXXX. I asked for a manager again and she then hung up. 

I called back ( XXXX ) and got a different lady. I immediately asked for a manager and she stated she was a manager and her name was XXXX. I verified the last of my social and information. She then stated that the debt was to A XXXX XXXX and that I lived at XXXX XXXX XXXX XXXX in XXXX XXXX MO. I explained to her I do not know that address and that is it possible for her to share the information on the application. She stated that application states " XXXX XXXX '' and a social of XXXX I told her thats not even my information she said yes it is they just misspelled the information on the application by accident. I told her you ca n't misspell any information. If it says XXXX thats not XXXX! I then told her again that was n't me and she said well get a police report XXXX XXXX or its going to stay in our office. I asked her why am I getting a police report when its not even in my name nor social but you put it on as if it was. I also explained thats not my last name and she stated well XXXX XXXX its going on your credit and and your job will know and we 'll see you soon and hung up. 

I called the company listed at XXXX and they could find any information with my name. The last stated it did n't make sense for a collection company to call me if its not in my name and I agreed and we hung up. 

I called the collection agency back and recorded the call.I go XXXX again and asked her could she send me a copy of the contract she said she could mail that out but was n't able to email the information. I asked her t verify all the information again and she complied and again none of the information on he contract is my correct information. I have attached the recording. 

They changed the name from XXXX to XXXX and that is totally ILLEGAL. You ca n't assume its someone else just because you feel as thou that is correct.
Product: Debt collection

I keep a close watch on my credit/credit score to keep in good standing. I received a notification from XXXX XXXX that a new collection was on my credit. When I looked it was from Wakefield and   associates from XXXX XXXX XXXX XXXX XXXX at XXXX. I had not been to that doctor in over 2 years and was sure I had paid the final bill. I first called the dr office to confirm I had paid {$120.00} from my final bill. She said yes the amount had been paid and she called the collection company to confirm they had the information on my payment and I did not owe anything. She came back on the line and said the amount owed to them was {$27.00}, that was a collection fee. Why am I getting a collection fee on a bill that was paid in XX/XX/XXXX from a bill from your dr office? I was then told in XX/XX/XXXX my bill had been turned over to collections. I paid in the dr office in XX/XX/XXXX from the XXXX bill I received from the dr office and was never notified by the dr office or collection company my bill went to collection. I was then told the bill was taken out of collections and opened back up through the dr office and the amount was applied to my account. Now almost 2 years later I get a notice on my credit for a collection. I call Wakefield and associates who proceed to tell me that they sent a notice in XXXX and XXXX of XXXX, grant it the mail does get lost, I never received anything and nothing on my credit until XX/XX/XXXX, which shows my collection from XX/XX/XXXX. So I ask this lady about the {$27.00} that is owed, why am I getting this when I paid the bill to the dr office and never had any knowledge of it ever going to collections? She said she didnt know but it must be a fee from the dr office. I said No dr office said I paid them in full and this was a fee from Wakefield. I ask can you please send me something on this showing this amount? I was told we did in XXXX. Ok can you send me something now, I ask again and she proceeds with so youre disputing this? I finally found out from the lady who handles the collections at the dr office that this is the fee the dr office pays to Wakefield to have them collect the money for them. Why should I pay them a collection fee when I was just told from the dr office that they pay this. It has now been about 5 weeks since I found out about this collection and have still never received anything no mail, no call from the collection agency but yet they put it against my credit. I do not feel I owe this as I did pay the bill and was never notified by either company of the collection. I will pay it to get it off my credit because I cant afford to have my credit go down when Im trying to buy my daughter and I a house. But I feel something should be done about these companies, this is not normal business practice and it hurts people who are trying to do the right thing
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Has violated my rights. 

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 or my account without my written instructions.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 a transaction on my debit card was carried out without my knowledge and authorization, a purchase online on the amount of {$1800.00} was approved by my bank, in favor of an establishment name XXXX XXXX XXXX located on the country XXXX in the city of XXXX XXXX. 
At the time of this transaction, according to the bank statement XXXX i was boarding my flight to come back to the United States after few days in XXXX XXXX 
The last time I used the debit card in this city was few before ( at XXXX ) in a mall, after that I believe my debit card was clone and later this transaction was done and approved by the bank, without any security. 
The next day after realized the issue and inconvenient ( my account was negative ), I called the bank and opened a dispute case, it was denied the next day - saying after investigation I was responsible for the charge in question.I appealed immediately requesting a credit bank on my account until they continuing with the investigation, it's been more than a month and I haven't got any solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

1. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX 4. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Called customer service 4 times and put on hold for over an hour all 4 TIMES
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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  ( Finance ), XXXX XXXX XXXX  ( Bank ), XXXX  XXXX ( Bank ), XXXX ( Finance ), XXXX XXXX XXXX ( Finance ), XXXX  XXXX ( Bank ), XXXX XXXX  XXXX ( Auto ), XXXX XXXX XXXX ( Bank ), XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) , XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ), XXXX XXXX XXXX ( Bank ), XXXX XXXX XXXX ( Bank ), XXXX XXXX XXXX ( Bank ) , XXXX ( Bank ), XXXX XXXX XXXX and 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 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 reports containing any of the 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX XXXX XXXX TransUnion has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check payment history, date open, last activity, and Status of XXXXXXXX XXXX XXXX XXXX. I believe it was reported in error. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
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 practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on the platform, Leaving my account vulnerable and unprotected, Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting

I have submitted the following accounts as fraud to experian as well as to the agencies. I have attached the ftc id theft report that was previously filed. Even with this, the accounts and credit inquiries remain on my account. These are not my accounts, i have not done business with these companies and the accounts are fraud. 

Accounts : XXXX ( I am working with the fraud department, but they have been unable to send me anything that would validate this being anything other than fraud ) XXXX ( XXXX.asked multiple times for validation. have cretified letters and signatures. nothing supplied ) XXXX ( XXXX. has sent a bill with a phone number that is not mine. sent mltiple letters certified with signatures, also filed on this site complaints ) XXXX ( Sent multiple requests to try to get validation. no letters responding from them. they tried to sell to collection agency, but the agency has removed collections based on the fraud ) and for inquiries : XXXX I have sent a letter to them informing them of fraud. they have not responded. this is not my account, do not have an account with them.
Product: Credit reporting or other personal consumer reports

CASTLE CREDIT CO HOLDING Account type - Home Imp Loan Date opened - XX/XX/2022 Above Account created under CASTLE CREDIT CO HOLDING without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 UCS 1681s-2 - a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that in formation is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX XXXX continues to be in violation. Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud. Also, Inaccurate reported late payments and billing errors. This account is in violation.

Under 15 US Code 1605 ( a ) - If a finance charge was included which is the sum of all payments, there should be no late payments on this account.

15 USC 1692 ( g ) - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS. This account must be deleted immediately.

2 ) Lendmark Financial Services - XXXX # XXXX : Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud. Consent is absent and this constitutes as fraud. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation. 

XXXX XXXX XXXX - XXXX # XXXX : Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of many attempts I've made to alert credit reporting agencies to the fact that I've been the victim of identity theft and that I want to check some of the records in my files that the crime left behind. Any transactions involving goods, services, or money that I have made or authorized are unrelated to the documents I'm looking at. Remove any information that was allegedly obtained through fraud or extortion from my credit record, assuming no one is looking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I received a private student loan from Deutsche Bank through the Affiliated Loan Program at XXXX University in XX/XX/XXXX. The loan was serviced through XXXX. Due to missed payments, the loan was sent to a collection agency called XXXX. After months of making payments to the collection agency, I was finally able to pay off the account in full in XX/XX/XXXX. I have documentation from the collection agency that the account has a XXXX balance. I was under the assumption that this information would be relayed to the original loan servicer ( XXXX ) and subsequently the original lender ( Deutsche Bank ). Upon receiving an updated copy of my XXXX credit report, the account in question is still displaying a balance of {$1100.00} and is displaying XXXX missed payments for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have worked extremely hard and have had to make some difficult decisions to get this student loan debt behind me and noting I do seems to be working. There has obviously been a major lapse in communication between the three parties listed above. All I want is to do is get my credit in order. Please help.