23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

About a month ago I applied for XXXX XXXX XXXX XXXX and was approved for $ XXXX limit. I received the card, activated the card and started using it. I tried to register the card for online banking but would always get an error message that such account did not exist. I added the card to my wallets including my XXXX and kept using it. A weeks ago I was buying furniture and were ready to pay the invoice with XXXX when my debit card declined as the amount was over XXXX and debit card had a spending limit of no more than XXXX. XXXX has an option when one card declined it uses the back up option which XXXX algorithm decided to use my XXXXXXXX XXXX XXXXXXXX by XXXX. The card declined again. I called XXXX customer service and explained what had happened and that the transaction was mine. The person was very nice and asked me to get my driver license, social security card and pay stub or W2 notarized and emailed to them. I did it right away and called them in a day only to be told that the account was closed. I paid {$150.00} only to get the papers notarized, let alone the absence from work to get the papers notarized. The person was very rude with XXXX  style attitude and told me that he reserved the right not to even speak to me. And he made it clear that he was doing me a favor by speaking to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Experian  Re : unauthorized inquiry To Whom It May  Concern : I would like to dispute an unauthorized inquiry from  XXXX  which was made on  XXXX / XXXX / 2016 . I checked my credit report, which I acquired from Experian.   I have contacted  XXXX , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

cra voilation sent the ftc inaccurate information no knowledge of
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/year>, at XXXX XXXX, January Technologies , Inc. contacted me, stating : " January is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX We will use any information you give us to help collect the debt. '' The amount they claimed I owed was {$5400.00}. 

In response, I sent multiple letters requesting validation of the debt from January Technologies , Inc. I specifically asked for verification because the debt had been charged off and closed, and I had not received my requests, the company failed to respond. 

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. 
I have previously attempted to resolve these issues directly with them. They are violating my rights, and I am entitled to {$1000.00} for each violation I have listed. They must either compensate me or delete these accounts immediately.
Product: Debt collection

Quality Asset Recovery ( QAR ) repeatedly calls my house but ask for a different person ( same last name incorrect first name ). Then QAR reports to XXXX that I have a {$1500.00} Installment loan which they claim originated in XX/XX/2015. I have never taken out any installment debt of any kind. This debt is someone else 's, yet they claim the debt is mine and now my credit is ruined.
Product: Debt collection

XX/XX/2022 of {$170.00} Sequium Asset Solutions LLC sent me a letter that I never had nor apply for so I was trying to see can I get this off my credit because I never had a XXXX XXXX XXXX XXXX account I dont ever know what that is
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I was denied employment due to too many delinquent accounts on my credit report. So I pulled my credit report and found that XXXX XXXX XXXX is Reporting a Transferred closed account as Closed, Current, delinquent and late. I sent a dispute to all 3 Credit bureaus and received a verification of that debt. As of today no one has explained to whom I owe this debt to and why. 

Account on XXXX reports as follows : Open XX/XX/XXXX Account Closed Account Transferred to another office Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX reports as follows : Open XX/XX/XXXX Account Delinquent No Comments on file Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on Transunion reports as follows : Open XX/XX/XXXX Account Delinquent Account close to the transfer Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I inquired about debt that was on my credit report. Most of this debt happened when i was incarcerated. I didn't open any of these lines of credit. 

Also : 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I had a account with Wells Fargo someone hacked my account and I told them about it I had a direct deposit to go into the account they where suppose to do investigation but they closed my account and keep my money I keep calling and asking about it but no answer and they said after the investigation that my money would be sent to me but never was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing a complaint, due to your false reporting of information on my credit file. There are  XXXX  judgements appearing on my report. I have sent letters to your company regarding these issues without a logical response, only that you have " verified '' that the reporting is correct. So, I took matter into my own hands and looked into this issue even further. I actually went down to the se e the county cle rk and had a conversation with a court representative. I asked him, " How is it that  XXXX  or Experian or a Third Party able to " verify '' that the court information is actually mine? '' He said on the original petition there is a FULL social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case. I then decided to conta ct the County Clerk a nd they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any judgement cases. So, I say to you, how can Experian or  XXXX  or a third party information gatherer, get into the court system and verify as such that the full social security number belongs to me and not to another person with a similar name/las t 4? Y ou are reporting false information that can not be fully verified by the court system. If you have already petitioned the court, please provide me a copy of the documentation used to verify my information and the person with whom you verified the information. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove them immediately or face a lawsuit. Here are the judgements in question  : 1.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  {$9700.00} Satisfied Judgment  2 .  XXXX   COUNTY CIRCUIT COURT   XXXX   XXXX   XXXX   XXXX   XXXX  {$10000.00} Unknown Judgment I have  XXXX  judgement that says " satisfied '' with a balance of {$9700.00} ( that can not be accurate since satisfy means paid in full ).     I have the other judgement that says the status " unknown '' .This is false information because the status can not be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my equifax credit report I noticed there was another social security number attached to the report. I called to ask why and the fraud department stated they removed the number. 3 weeks later all my accounts have disappeared off my report and my score has plunged. Ive been on the phone with them several times going through all the identification processes only to be told they cant help me and to fax my information to the XXXX number. I have faxed the number 4 times including all the information discussed. Im very close to filing a demand letter and starting a law suit.
Product: Credit reporting or other personal consumer reports

There is fraudulent activity on my credit report that should not be on my report. I've sent a letter to the credit bureaus on or about XX/XX/2024, certified mail, and they have not removed the items. The actions that were taken by me that was communicated were as follows by request : " Please remit copies of the original and signed documents that you have in your file as of this date, XX/XX/2024. According to the CFPB 15 USC 1681 ( b ) and Under the Fair Credit Reporting Act, 15 USC 1681 ( g ), I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your files at the time of the entry concerning the accounts that you are reporting in my credit report. '' Addresses that are unmailable, telephone numbers that are non-reachable are to be removed. ALL negative and charged off items that have turned into income can not be reported on my credit report ; according to 1681 ( g ) original documents need to be validated to prove that it's an accurate file. If not proven with original documents, that violates my privacy according to the Privacy Act and all accounts are to be removed.
Product: Credit reporting or other personal consumer reports

My home mortgage was held by XXXXXXXX XXXX XXXXXXXX. 
In XX/XX/year> I sold this home. The closing was completed XX/XX/year>. 
This mortgage is being reported as unpaid and also being reported as XXXX payment as being 60 days late and the XXXX payment as being 30 days late. 
This is being reported this way even though I received a notarized letter from XXXX saying the mortgage was satisfied in full. This letter was dated XX/XX/year>. On XX/XX/year>, XXXX reported to XXXX this erroneous information. 
I have filled a dispute with the credit bureaus. 
I also phoned XXXX. ( XX/XX/year> ) I spoke with XXXX XXXX 's. I explained the issue with her, she confirmed the mortgage was paid in full. She told me in order for them to correct the erroneous information I would need to email a copy of my credit report to her and it would take XXXX days for the error to be corrected. I emailed the report to her at XXXX as soon as our call was finished. 
In the meantime I can not proceed with buying a home or even renting an apartment due to what the erroneous information provided by XXXX is doing to my credit score. 
I am presently living in a motel at a cost of $ XXXX dollars per night, and paying {$200.00} monthly for storage of my belongings. 
These amounts do not take into consideration that my meals are all eaten at restaurants. 
Their wrong reporting is costing me a fortune, and the mental anguish and anxiety is indescribable. 
Would you please help me with a resolution for this difficulty.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : 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 accounts without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of these items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

{$200.00} Medical debt for XXXX XXXX on a XXXX. Doctor was coverage by the insurance. The lab I found was not covered being out of network. The insurance company said they would pay for usual and customary amount to the uncover lab. The lab would not take this wanted full amount. The lab said they would work it out with the insurance company for a dollar amount. The insurance company wanted to pay a partial but the lab would not take it. I contact the lab said only full retail amount would be acceptable but would contact the insurance company again to ask for full payment. Instead they sent the {$200.00} Debt to SCA collections. I explained the mix up to SCA. They would not listen. Placed debt into credit collection on my credit reports. I have over 10k in my HSA account. The money was not the issue but the amount and billing from LAB and Insurance. This should have never gone to collections. I filled a dispute with the three collection agency 's. The letter stated the information above. Two of them removed it. XXXX would not. They stated it must come from SCA collections I called them again. Asked for to remove it.They WOULD NOT remove it AGAIN. I know I spent more than {$200.00} worth of the various company 's time to trying to remove it. I paid the {$200.00} in XX/XX/XXXX. XXXX shows it closed in XX/XX/XXXX. Again This is wrong. This is holding up my new home 's  mortgage rate reduction. I have NEVER missed a payment. This all over a {$200.00}. If you need car repairs you get en estimate, If you need a service Painting etc.. You get estimate. Only in medical none emergency you can't ask for a estimate and review before you get the service. Something as to change! They can charge and use any medical supplier they chose. There is NO checks and balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting accounts in the amount of {$6300.00} {$10000.00} and XXXX XXXX {$440.00} which is fraudulent accounts and I have been filing disputes when I first learned of this information in 2013 from then to now present I involved XXXX XXXX to assist me nothings changed also I have hard inquiries that I have never applied for such applications please direct me to resolve these issues thank you also due to these data breaches with XXXX and XXXX I have been overwhelmed with 100 's of calls scams and false emails I have been attacked constantly my Identity has been stolen for some time now and I was n't notified by either company Im receiving false reports on my credit report and has reports of fraud on my bank account from XXXX which is now closed please assist me in getting these issues resolved Thank you XXXX XXXX all documents are reported on my credit report other than emails that are scams
Product: Checking or savings account

My money disappeared reached out for customer service and there was no help at all ... cashier at convenience store stole my money told me it was loaded and I texted cash app to see the problem ... no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been given a forgiveness for loans due to lifetime disability. All documents submitted, some credit company reflects close but showing 120 days late delinquent, all three credit companies don't match. Filed disputes directly each reported agency and with us treasury. This is 2nd time in 6 years they suddenly reappear on my reportXX/XX/XXXX they all posted again I dropped 60 points one night. Now they are one by one fixing them as not due but not removing derogatory late payment remarks. Also loans were taken out under previous name XXXX XXXX XXXX. Legal name as of XX/XX/2018 is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have two loans with Sallie Mae. On Tuesday, XX/XX/XXXX I called them to say that I didn't have the payment ready yet. I asked if I could be taken off their automated calling list and they said they would do that. The next day I get an automated call, and I explain to them that I said on Tuesday that I wished to be placed on the do not call list. They made a note of it and said they would take me off the list. The calls kept coming however, up to today, Saturday the XXXX. They have repeatedly lied to me, by now saying that I should just block their number, or change my phone number on their website. They also said since I live in California, I need to send them a cease and desist, which was never mentioned in the first call. I have never been harassed like I have been dealing with Sallie Mae. I can not afford a lawyer, and my co-signer is my brother in law who does not have the funds either, and in total it has totally our relationship. I don't know what to do other than going into litigation, or straight up calling the police. I told them I don't have the money yet, but I can pay back eventually, but they don't understand, or even care. I'm on the verge of going insane. And I don't know what to do anymore. 

Thank you for listening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a complaint demanding for a debt validation letter from westlake financial and was sent a deceptive contract with wrong address, license number also incorrect balance. i previously asked them to remove this account due to identity theft which i sent certified letters and i am uploading receipt to this complaint that i also sent to CRA 's with ftc form attached. I am uploading documents which shows inaccurate information being reported they have a address listed in which i never lived but on the CRA 's it is listed totally different in which i can not dispute because it is blocked by westlake financial. I will upload current license in which i have lived for 8 years I am demanding this account be deleted immediately. I am now sending a cease and desist and expecting all remedies be invoked
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to get this matter resolved. I've submitted my previous letter to XXXX credit bureaus with the CFPB. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX