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

why is this on my credit report? CHAPTER XXXX BANKRUPTY DISMISSED XXXX, I cant locate it with the courts system.. XXXX, XXXX and Transunion did not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Product: Credit reporting or other personal consumer reports

I recently found this collection account on my reports which are fraudulent. I filed a dispute with XXXX and this account was deleted immediately. 

XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX has stolen my identity through a data breach and illegally reported this fraudulent account on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the inaccurate reporting of my XXXX XXXX XXXX account on my credit report. Despite my repeated attempts to provide supporting documentation and seek resolution, there has been a failure to accurately report the status of my account. 

I want to bring to your attention that due diligence has not been exercised in reporting the accurate information regarding my XXXX account. As per the Fair Credit Reporting Act, I am entitled to accurate reporting of my credit information. Therefore, I urge you to promptly update my account status to reflect the accurate information. 

I have consistently provided supporting documents to rectify this issue, and it is disheartening that the correction has not been made despite my efforts. I kindly request that you take immediate action to contact the lender to ensure that the correct information pertaining to my account is updated. 

It is important to note that my XXXX account is open and in good standing, and the inaccurate reporting is adversely affecting my credit profile. I trust that you will address this matter with the urgency it requires and ensure that the necessary corrections are made promptly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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: Credit card or prepaid card

I had a hard inquiry placed on my account for a Capital one credit card, on XX/XX/2022 and it has continously lowered my credit score. 
I DID NOT APPLY FOR THIS CARD AT ANY POINT IN TIME I don't even understand how to apply for one, or what it could do to my score. 
I've been working my behind off trying to get my score to where it needs to be, and all this " hard inquiry for a capital one credit card '', has done is makes things worse and very stressful. 
I HAVE NOT AND DO NOT KNOW HOW TO EVEN APPLY FOR A CARD
Product: Debt collection

I have no knowledge of this inquiry from Bank of America I have no supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such inquiry, in fact therefore exists.
Product: Debt collection

I had an account with XXXX XXXX in XXXX XXXX Pa. I owed XXXX. There were excessive overdraft fees on my account. I called main office in RI and received a credit for this amount after several phone calls from them not acknowledging the proof email of the credit, I wanted no problem and wanted to " wash my hands of them ''. I started to make payments on what I owed! I made a payment of what all was required of XXXX then XXXX then XXXX then XXXX then another XXXX. Total of XXXX. I checked the balance and found not one of these payments were showing! I was furious. I called and was told the account was already paid and closed. The credit showed for the XXXX I was credited. Though what happened to the XXXX I paid. I asked if I'd get it back. They said payments were not showing at all. I reported them all over with no luck. They sent me then to collections and I mailed proof! The collection stopped. Now I received collection from Convergent Outsourcing and have to mail proof here too. Who pays me for all my time to do all this? I disputed the amount of XXXX with XXXX and experience many times with no luck. I even sent or mailed proof. No luck! They are constantly being sued over charging their customers excessive fees and charges. It's in XXXX right now. When will they sue them in my area? They refuse to accept the credit they gave and my payments I made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know why I keep getting bills from this company. I stayed at a XXXX a few years back and the only thing I purchased was the time I stayed in the room. Soon after I got home from that trip, I started to receive bills in my name from them. I have been paying them because my credit is extremely important to me. I have been disputing this with the credit bureaus and it still remains. It is not even reporting accurately. There are inconsistencies between the bureaus in account numbers wherein the account number in Equifax shows as XXXX then in XXXX it shows as XXXX. I have called them directly to have them close the account but they refuse. They also have not been able to give me any type of verification that the account was mine. I have been requesting this account to be closed for a couple years at this point. I have been scammed out of a lot of money. I can not get anyone to help me. This is fraud. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and Ive had no responses. Ive sent out requests to Equifax and XXXX  into the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Credit reporting or other personal consumer reports

I had a past due sezzle account that went to their collections - XXXX XXXX. 

I paid all my balances in full with XXXX XXXX. XXXX XXXX sent me an email certifying I do not owe any remaining sezzle balance. My sezzle balance is {$0.00} and paid in full. 

Yet sezzle refuses to update their records. XXXX claims I still owe {$190.00}. XXXX says I owe {$190.00}, XXXX XXXX XXXX say I owe {$510.00}. 

When I contact Sezzle they say contact XXXX XXXX their debit collector. I contact XXXX XXXX and they say my balance is {$0.00} paid in full they have sent over the records to sezzle and to contact sezzle. 

I have even done a XXXX way call between a true accord manager and sezzle and still sezzle claims I owe.

I have submitted all my payment receipts and true accord letter cetfirying I have paid my balance and sezzle refuses to update their records to show a {$0.00} balance. They say wait 30 days for them to update I wait nothing gets updated and I call back and start the process over again. 

The remaining {$190.00} was paid back on XX/XX/XXXX yet sezzle has not updated their records and my XXXX credit reports to reflect paid closed {$0.00} balance. 

Because of this I am being denied opportunities for housing, loans, and anything credit related because my reports show a past due sezzle balance even through I paid it.

Everytime I call into Sezzle they say they have no to see my account and payments so then I email the documents payment receipt and evidence and they still dont hel
p.

Sezzle also responds with no they cant reopen my account and I never asked them to reopen my account I will never use sezzle again I want them to update my balance to XXXX and my XXXX credit reports so I can get an apartment. 

My last communication with sezzle says they will update all my records once I pay my account off with XXXX XXXX. I have done that and waited and sezzles new update records still show {$190.00} even after my waiting since XX/XX/XXXX. 

I do a credit report dispute with each credit agencies and I wait 30 days for their report for them to come back and say XXXX has verified my past due balance is correct even though I showed them the payment receipts and certification. How can I owe if there is a payment receipt for it? Sezzle refuses to update their internal records so when the credit bureau contacts them they keep saying yes I have a past due balance when no I dont. 

I am stuck in a circle and sezzle refuses to help. 
XXXX XXXX has been amazing to work with and everytime I call they document it and reach out to sezzle yet sezzle still doesnt update anything. 

This isnt fair I paid off my account and Sezzle is still penalizing me with a past due balance on my credit report.
Product: Credit reporting or other personal consumer reports

I requested that the company provide me with the original contract with my signature on it and I did not receive anything from the company, and I am a victim of identity theft.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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, the consumer identifies as information that resulted from an alleged identity thief, not later than 4 business days after the date of receipt, It has been 30 days and you are in violation of the law because I am a victim of an identity thief, please delete item immediately.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Perminible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2i Following the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I have lived in California since   XX/XX/XXXX . There was an account opened for   XXXX   under my name in  XX/XX/XXXX f rom Florida, which I did not authorize.  XXXX  reported the account to  XXXX  credit bureaus and then sold the collection to convergent outsourcing. I have disputed this with the collection agency and filed a victim 's identity theft report with the police. I also faxed my report and letter of dispute along with a request to delete any information regarding this account with the credit reporting agencies, but, the account fraudulently remains on my credit reports.
Product: Student loan

I feel that I was given bad information and encouraged to put my student loans in forebearance, rather than other reasonable options, income driven payment, nurse loan assistance etc. I was never given information and encouraged into forebearance, now my interest and student loans are well out of control in excess of {$450000.00}! I feel lost, a victim, scared for my family 's finincial health etc
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 report containing any of the following 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

Wakefield and Associates has attempted for Nearly two years to collect a debt on behalf of XXXX XXXX XXXX XXXX for an alleged Emergency Room visit. I have contacted both the hospital and XXXX requesting proof ( my signature, a copy of the ID used at the ER, etc ) to verify I was at the hospital that night because in reality I was at work They have both refused to do so. I have submitted both companies my insurance information with the understanding that IF they were certain it was a valid debt, they should bill my insurance as I have had the same insurance for 7 years. Again, both companies have refused to do so. I called Wakefield and Associated to request they either bill my insurance or remove this from credit report, they have refused, told me it was not insurances problem, it was mine. They have reported a {$1300.00} bad debt on my credit report causing my credit score to drop considerably while refusing to provide me with any verification that the debt was valid or billing my insurance. I have Alabama State XXXX so any Er visit would have been covered but they are refusing to even try billing it. I have even mailed them a copy of my insurance card and my ID. This has been going on for over a year and has caused a drastic drop in my credit score.
Product: Money transfer, virtual currency, or money service

I had opened a Wells Fargo checking account online in XXXX. On XX/XX/XXXX, I had set up my Wells Fargo XXXX app, and linked my XXXX XXXX checking account through the Wells Fargo XXXX app. I scheduled a transfer for {$5000.00} to be sent from XXXX XXXX to Wells Fargo. Again, all through the Wells Fargo mobile app. 

On XX/XX/XXXX, Wells Fargo closed my account for inactivity. My transfer did not go through, and they claimed they could not see the transfer being set up through the XXXX app. I spoke with several Wells Fargo representatives the next following days who all gave conflicting information. All of them said they could not see the transaction, and some claimed it would take XXXX days to get my money back, and others claimed it would take up to XXXX weeks to get back to my XXXX XXXX account. 

I spoke with a branch XXXX in person at the XXXX XXXX XXXX location in XXXX. She was finally able to get someone on the phone who could see the transfer and they claimed it was in a " holding pattern '' and should be released. They would not give a time frame of when it would be released. The branch XXXX, XXXX, started a complaint process for the way the representatives mishandled my situation. On XX/XX/year> I received a response from that complaint, stating the money should have been automatically sent back by XXXX business days after it was declined. Well, it has been XXXX days since the transaction left my XXXX XXXX account and has not been returned. Wells Fargo has no response and will not address my missing {$5000.00}. There is no possible excuse for them to lose that money. They keep trying to send me to XXXX XXXX. XXXX XXXX was only able to provide me the trace number since everything originated on Wells Fargo 's side. Wells Fargo will not do anything to investigate this further and will only give me generic information that they can not keep straight. Please help me.
Product: Credit card

Hi, I would like to file a complaint against XXXX XXXX XXXX, XXXX for stopping payment on XXXX checks that they had issues for me back in XXXX and XXXX 2016. 

On XXXX/XXXX/16 I received a statement from my bank XXXX XXXX indicating that XXXX checks returned due to stop payment by XXXX XXXX XXXX credit card company. The XXXX check was issued on XXXX XXXX 2016 in the amount of XXXX and the XXXX check was issued on XXXX XXXX, 2016 in the amount of {$5.00} dollars. My bank statement also indicated that I was charged {$20.00} for stop payment fee for a check. I called my bank and asked who stopped the payment on these XXXX checks and I was informed that XXXX XXXX XXXX issue the stop payment and that I needed to call them to inquire to the reason why they did that. I assumed that because I deposited the checks after 90 days that this may be the reason why. 

I called XXXX XXXX XXXX and shared above information and asked if the checks can be re-issued and I was informed that the account had been closed since XXXX XXXX XXXX has transferred all XXXX VISA accounts to U.S. Bank since XX/XX/2016. I was informed of the transfer of my account to US Bank but was not sure at this point who is responsible to re-issue the checks. I asked XXXX XXXX XXXX if they can re-issue the checks and their response was that they will not be able to because they no longer have my record and that U.S. Bank XXXX master card have my record and should be able to issue me my money. 
I called U.S. Bank XXXX XXXX card and explained all above and they indicated that they do not have my previous record and that they could not help me and that I should call XXXX XXXX XXXX. Once more I called XXXX XXXX XXXX and informed them of what U.S. Bank representative indicated that XXXX XXXX indicated that they can not re-issue the checks because my account have closed and they no longer have access to my account. My question is is that the checks was originally issued by XXXX XXXX XXXX, and not US Bank but each is asking me to call the other and none want to explain how I can retrain XXXX my money. Please advise to the best course of action given the situation. I am informed that XXXX XXXX XXXX have nonpolcies in place for such circumstances and there 's nothing I can do and that the my money Will not be reimbursed because my account is closed. Is there something I can do to retrieve the money. Look forward to your advise. Thank you.
Product: Credit card

Bank of America sent me a promotional offer of 0 % APR until XX/XX/2018. I called in to enroll in the promotional offer but was told by Bank of America customer service representatives that the offer only applies to balance transfers. The offer itself does not even mention balance transfers. 

The offer states : " OFFER 1 - LOWER RATE - 0 % ( O % Daily Periodic Rate ( DPR ) ) Promotional APR until XX/XX/2018. Use offer XXXX or use red check number XXXX.
Product: Checking or savings account

The bank arbitrarily froze my accounts and will not allow me to access my available funds and will not provide a reason why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the CFPB pertaining to this issue about 2x already and this is going on the third  month in which, after this I will reach out to the attorney general and look to pursue legal counsel against Equifax and XXXX. They are solicitating information against my email in which the debt that is listed on my credit report in which there is no $ owed the account under XXXX XXXX is not even under their management. My information was sold and this account was given to XXXX XXXX XXXX XXXX with my consent or permission and there is no debt owed. Therefore, this company illegally gave along my information to XXXX in which no debt is owed as pertaining to this document and XXXX  is on my credit report in which they according to the document " we do not have access to the current owner 's account information, and therefore the above information may not reflect the current status of the debt, which is no longer owned by XXXX XXXX ''. Therefore, these two credit bureaus XXXX  and equifax are holding information that they are reporting verified as accurate aganist my will which is incorrect! I need this fixed ASAP! as this violated 15 USC Code 1681 ( a ) ( 2 ) ( B ), the Truth in Lending Act 15 USC 1602 ( g ), and 15 US Code 1692 ( a ) ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX