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

Equifax is not removing Fraudulent hard inquiries on my credit report please help ftc report attached i am a victim of ideneity theft, the infrmation on my Equifax credit report -regarding the hard inquiries are fraudulent- there are fraudulent hard inquires on my equifax credit report that does not relate to any trasnactions that i have made. this is a result of identity theft. these fraud hard inquiries are not mine and must be removed remove and delete these fraudlent hard equifax inquiries XXXX Equifax HArd Fraudulent Inquiry XXXX XX/XX/XXXX XXXX Equifax HArd Fraudulent Inquiry XXXX XX/XX/XXXX XXXX Equifax Hard Fradulent Inquiry XXXX Equifax Mortgage XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act is company 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to investigate a dispute. I submitted a letter disputing XXXX items on my Experian credit report, XXXX XXXX XXXX and XXXX XXXX. Experian opened a dispute for XXXX XXXX, and did not open a dispute for XXXXXXXX XXXX XXXX. I would like XXXX XXXX XXXX deleted for failure to investigate. I attached the original dispute showing both accounts and XXXX screenshots showing only one acct was in dispute, and XXXX XXXX XXXX was never listed as disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the federal credit 's bureau act, this creditor has violated my rights under 15 USC section 602 states I have the rights to privacy. 15 USC 1681 section 604A section 2, it also states that consumer agency can not furnish my account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Transunion credit bureau was dated XX/XX/2023 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
Product: Debt collection

XXXX had corporate policy that the patient would never have out of pocket expense they would only bill the insurance company. XXXX submitted a charge to my insurance company the insurance company then requested some records from XXXX to verify coverage but never received them and never paid the claim. ( XXXX is no longer in business ) I was contacted by Monterey Collections XXXX XXXX CA. XXXX XXXX XXXX XXXX claiming I owed them for the service. I replied within 30 days of receiving their notification requesting validation of the debt and other questions. After receiving the request they have not provided the validation and continue to send notices. 
Copies of correspondence available on request
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had account with XXXX XXXX XXXX they just started report a charge off account on all three of my credit reports which is hurting my score. I have disputed with all three bureaus. I have previous found other people accounts on my report. want the account deleted. I have attached two copies One from XXXX reporting and one from Transunion
Product: Payday loan, title loan, or personal loan

Loan comes out every Thursday last one came out  XXXX   XXXX  ,2017 havin g trouble being able to pay bills to live and eat as of this week my family and I will be in the hole  XXXX  by the time we pay rent as this loan came out plus we have rent this week and do n't have anyone to help us out make too money according to  XXXX  so I ca n't get help and my wife does n't get paid till another week and she had been out of work. We need help bad and having payday loans makes it worse for us we thought we were helping ourselves which really we are hurting bad we have  XXXX  kids and do n't know what we are going to do.
Product: Debt collection

I didnt order anything from this place. Tru to explain to them but was told theres nothing they could do. Its been going on for years and nothing has been done. I want this charge to be out of mu credit history since its a negative impact. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed several disputes with Equifax regarding the XXXX student loan accounts. My loans have been rehabilitated as of XXXX of XXXX and are in good standing. The XXXX account has been closed since XXXX, but they are still reporting every month on my credit report. On XX/XX/XXXX XXXX reported that I had a 120 day late which was not correct. My loans were in rehabilitation at that time and the XXXX account was already closed for 4 years. I asked numerous times for this to be removed from my credit report as it is hurting my credit score and making it hard for me to have a better quality of life. The other two credit bureaus ( XXXX  and XXXX  ) have already made the adjustments after their investigation, however Equifax refuses to remove the false information.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I have been waiting for 180 days, which have now passed and l still can't transfer my money out and I was charged a large fee too of XXXX l am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( XXXX ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud in 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 Funds Transfer Act ( EFTA ) and XXXX XXXX These actions have caused significant inconveniences and financial lot, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE.
Product: Checking or savings account

Someone gained access to my bank cards through an online hack. Bank of America refused to refund. Over {$1000.00} in 50 + transactions over the course of a week. Retailers included are XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. This has ruined my life. The money I had saved as my nest egg is now gone and no one is held responsible. But I am on the hook for everything. Even though I've began flagging the accounts that are fraudulently using my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently gottten my credit run and pulled by XXXX XXXX and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what XXXX XXXX XXXX XXXX XXXX XXXX  had REPORTED to CHEXSYSTEMS and to the credit companys. 

As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with XXXX  XXXX XXXX  or XXXX I have been with XXXX XXXX since XX/XX/2004 and my home mortgage is also through them and I continued to stay with them. 

I had contacted XXXX  XXXX XXXX Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at XXXX XXXX in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. 

I also went into XXXX and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. 

I am XXXX XXXX XXXX Employee ( XXXX ) for XXXX as a XXXX XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need XXXX XXXX XXXX and also XXXX to please remove me off their ChexSystems and also notify Chexsystems that this is an error on their end.
Product: Credit reporting

Account appears on my record is not correct, this account was paid in full. The company is XXXX on my credit training report.. the collection agency is XXXX XXXX Ny XXXX
Product: Mortgage

I applied to XXXX XXXX HomeBuyers Choice on XX/XX/2019 and started the process of this loan, I received an email asking me to submit lots of paperwork to get the loan started which I summited everything almost immediately ( W-2,  Paycheck Stubs, Signed federal tax returns for the last two years in which I submit that same day than a few days later I received an email response from XXXX who was my loan officer she replied on XX/XX/2019, in which she told me the document I sent was received and that the loan was on track, I received a mortgage loan conditionally approval on XX/XX/2019 in the amount of {$600000.00} since I had already picked the home and stared the escrow process since before that I had already received a Pre-approval letter for the amount of {$810000.00}. I schedule an appraisal for the property and paid Navy Federal {$490.00} to get that going I received an approved appraisal on XX/XX/2019 the loan was moving perfectly fine I had even a set closing date for XX/XX/2019, then I received the final closing disclosure on the XX/XX/2019 and the loan was unable to close due to the loan processor XXXX in which I tried numerous time to communicate with her and she never responded via email or phone calls she ignored me and my loan officer, I got reassigned out of nowhere a new loan processor named XXXX who was very helpful with the process but I did ask him that if everything was fine and why we had not closed on the according to date we had agreed to which was the 17th he told me that the file had reached closing and it was not supposed to reach that department yet. He told me not to worry that everything was fine and that we just needed a few things from underwriting, then I received a call from my sales agent that he had spoken to XXXX and that the whole loan had been denied. I felt mislead throughout the whole loan process in which I was preapproved for over {$800000.00} then I went and only asked for {$600000.00}, I was allowed to open escrow with Navy Federal knowing that the loan still had not been the final approval. this is terrible business practices as I have no lost half of my deposit which was {$6000.00} due to the sales having to move for the closing and unable to move for also having them fix items from the home, of course, they had reason to be upset for the loan not closing on time also XXXX Have lost my appraisal money as they are not willing to refund me that amount and made me take this unnecessary step to close a loan they had not yet to underwrite. making me lose time and money with a misleading company with no ethics.
Product: Credit card

I made an $ XXXX purchase on XXXX in XXXX. They went out of business and closed the card. Since then Ive paid {$71.00} toward principle per Comenity Bank and I dont know how much in late fees. They have been charging {$39.00} late fees every month bc they have no grace period and charging interest on the late fees on top of that. I told them I am willing to pay what I actually owe which would be at the most {$30.00} in principle and whatever interest is due on that amount but Im not paying their ridiculous fees. They are reporting I owe over {$200.00} which would mean I am expected to pay over {$300.00} on an {$80.00} purchase! I refuse to do that and will wait for the inevitable class action if necessary!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional Management is showing on each credit report multiple times with different amounts. On each credit report it shows one amount of XXXX and another for XXXX this account is also still reporting negative as it was a charge off back in XX/XX/XXXX. I contacted Regional Management when the account reported to pay a settlement amount, which was refused. Over the years I have spoken with multiple representatives to assist with correct reporting and eliminating the incorrect payment reporting with no help. Each member was rude and no one wanted to listen or allow me to prove the information in which was being reported. I disputed with the Bureaus in XX/XX/XXXX, with no luck to report correctlly or to show only one account.
Product: Credit reporting, credit repair services, or other personal consumer reports

im not liable for this debt with XXXX XXXX I do not have a contract with PORTFOLIO RECOV ASSOC numerous letter was sent out requesting the original contract and all I received was a bill
Product: Mortgage

I have a Mortgage that was transferred to Mr. Cooper on an investment property. 
I decided to call and to request ( I was very clear about this ) either a HELOC or a refinancing in order to make a cash out. 
I was transferred to an agent, his name is XXXX, he asked several questions in order to understand my needs, the status of the house, I was very clear it is an investment property and I also disclosed the rental income on the referenced property. 
A couple of days later, the agent called me back to give me the " good news '' on a new mortgage for the property. When I said " Hold on, I told you I need a cash out, I am not looking just to refinance this mortgage for the same amount '' he admitted it was his mistake, he said he forgot about our conversation and he asked me for more time to review the available options. 
A week later, he called back and said that they do not offer what I am looking for on an investment property. 
Obviously, he made an inquire on both, ran both my wife and my own credit report, when he could never even offer me the refinancing on an investment property that I was very clear from the beginning that I was looking for.
Product: Credit card

Paypal, my credit card provider, decided that it detected potentially fraudulent activity on my account XX/XX/year>. Instead of trying to contact me to verify the charge was legitimate or not, they decided to issue a new card without locking out my current card. When I received the new card, I called them to ask why I received a new card. They told me about the potentially fraudulent charge and I refuted their statement, the charge was legitimate. I hung up with them thinking things would be fine, they were not. I had issues updating automatic payments because some sites would not accept a new payment with the same account number, just a different CVV and expiration date. I called XXXX again and explained that to them. Their customer account person decided to report that I had fraudulent account activity when I demanded they issue a new card with a different account number so I could update my automatic payments. I received the XXXX card, updated my automatic payments and after XXXX charges posted, Paypal decided to lock my account until I verified who I was with them. I refused to send them a picture of me holding my driver 's license. They sent me a letter with a XXXX time code and a special phone number to call. I called this number, they didn't ask for the code as stated on the letter. Instead, they wanted to check on more potentially fraudulent charges, which were the automatic payments I had set up that they refused to let through because they suspended my account due to their not contacting me by telephone call, email, or text to verify that the attempted charges were legitimate or fraudulent. They hung up on my when I asked to speak to someone who could actually help me verify my account. I had about XXXX reward points on my account and now I can not even see them when I log into my account. I just want the points back so I can use them before I close this account. There is absolutely nothing Paypal can do to keep me as a customer at this point. I just want the rewards points I have earned restored.
Product: Credit reporting or other personal consumer reports

I mailed a certified letter with a detailed dispute information to Experian on XX/XX/XXXX. Experian received my certified letter according to USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX @ XXXX per USPS delivered notification confirming certified letter was delivered. In my dispute letter to Experian I disputed XXXX closed accounts that I paid in full to a XXXX balance {$0.00} on XX/XX/XXXX. 

Accounts : XXXX XXXX ( XXXX ) I paid {$650.00} to XXXX balance on XX/XX/XXXX. I also provided supportive PROOF by sending in a copy of a statement with proof of payment amount, payment date, balance, and account status Accounts : XXXX XXXX ( XXXX ) I paid {$2000.00} to XXXX balance on XX/XX/XXXX. I also provided supportive PROOF by sending in a copy of a statement with proof of payment amount, payment date, balance, and account status. 

On XX/XX/XXXX I received an email notification from Experian advising my dispute results were available, associated with report # XXXX. 

Despite of providing PROOF with my dispute that both accounts were paid in full to {$0.00} balance, Experian updated my report with INCORRECT account information related to Account XXXX XXXX. The updated wrong information showed a new balance of {$2000.00} ( which is actually a credit that XXXX owes me via a refund check ) not a balance owned. Please note the {$2000.00} updated " balance '' was higher than the {$2000.00} disputed balance owed. The details shows the report was updated XX/XX/XXXX, but no recent payment amount listed and no recent payment date listed. paid {$2000.00} to XXXX balance on XX/XX/XXXX. 

This is due to the fact I paid the balance in full on XX/XX/XXXX, but on XX/XX/XXXX I tentatively set up to have the balance transferred to a new credit card with XXXX interest for 15 month introduction period. While opening up the new account the phone agent advised I needed to wait until I received the new card in the mail, then the balance transfer transaction will occur. What happened is that XXXX accepted the balance transfer of {$2000.00}, while the account was already paid to zero balance. 

Despite of providing PROOF with my dispute that both accounts were paid in full to {$0.00} balance, Experian updated my report with INCORRECT account information related to Account XXXX XXXX The updated wrong information showed the same disputed balance of {$650.00}. The details showed the report was updated XX/XX/XXXX, with incorrect recent payment made on XX/XX/XXXX vs. correct recent payment made on XX/XX/XXXX, showed incorrect last payment amount {$100.00} vs. correct last payment amount of {$650.00}, with same wrong balance of {$650.00} vs. the correct balance {$0.00}. 

Please note both accounts were previously closed by XXXX in XX/XX/XXXX with balances.
Product: Debt collection

A couple of years ago I had XXXX XXXX XXXX Cable TV and Internet When I moved back to Florida I called XXXX XXXX XXXX to cancel my subscription and ask about the last day of my service month. After being told I paid the account to date and XXXX XXXX XXXX sent me instructions as to where to take the equipment which in this case was to any XXXX  XXXX. Once I returned to Florida I took the equipment that a return was required to my local XXXX  XXXX. I have been receiving these collection notices for a few months now and have talked with a rep from this company IC Systems and told them I refuse to pay for a debt I should not owe! I did want I was suppose to do. I have dealt with XXXX XXXX XXXX in the past with my cell phone and I left them because they can't keep billing straight. This is another example of their incompetence. I want this removed and the collection efforts ceased!
Product: Credit card or prepaid card

NEVER RECEIVED {$10.00} BONUS DESCRIBED ON ATTACHED FLYER
Product: Debt collection

I dont have a debt with them they are calling in regards to someone with the same name as me and Ive asked them nicely to stop calling me.