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

I have XXXX XXXX  with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I opened the account on XX/XX/2021 for a credit limit of XXXX I was using the credit to obtain XXXX. The debt was immediately charged and I have been making timely payments. I had signed up for e-statements but did not start receiving them until XXXX regardless I have always just gone on the site and made the payment. Recently as I was noticing after over a year of paying my balance was not dropping much so I pulled up a statement. On that statement, I noticed XXXX being charged for Credit protection in case something happens and I can't make the payment. I NEVER sign up for add-ons like that as I don't see the need for them. I have asked repeatedly to see when and how I signed up for it. What did I sign? I did not authorize this charge and if it was because I didn't opt out of something that is not right. Services like that are to opt in! I have been charged almost XXXX. I have canceled the service but am looking for a refund of prior charges as again I DID NOT authorize this payment. When I call the company I have been hung up numerous times and last I spoke I am to hear back from someone. I'm confident I won't.
Product: Credit card or prepaid card

I have never been late with my XXXX XXXX. I did not receive statements around XXXX and when I became aware of a past {$41.00} balance I paid immediately on the phone. I do not know where my statements were going or if they were ever sent. I am disputing a late report to credit bureaus because I was never late. I recently changed several credit cards from online statements to paper statements because I was not receiving statements. XXXXXXXX XXXX could not tell me if this happened to this card.
Product: Prepaid card

On XX/XX/23 I received a holiday gift card from my company in the total of {$500.00} I proceeded to attempt to use that money online at several websites just to be declined repeatedly no purchase attempt was more than {$300.00}. I tried searching online for help where I found many other customers with the same outcome as myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for your response on XX/XX/2023, regarding my dispute of the collection account on my credit report for the auto loan with account number XXXX and account name XXXX XXXX XXXX. While I appreciate that you have updated and verified the account, I am still concerned about the accuracy of the information being reported. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of the accuracy of any information on my credit report. Additionally, under the FCRA, credit reporting agencies are required to conduct a reasonable investigation and provide me with written confirmation of the results of your investigation within 30 days of receipt of my dispute letter. I have yet to receive any information on how you verified the account. 

Therefore, I am requesting that you provide me with detailed information on the method of verification that was used to confirm the accuracy of this account. This information should include the names and contact information of any individuals or organizations that you contacted during your investigation. I also request that you provide me with a copy of any documents that were used to verify this account. 

As a consumer, I am entitled to accurate and complete information on my credit report, and the FCRA requires credit reporting agencies to ensure the accuracy of the information they report. If you are unable to verify the accuracy of the collection account, I request that you remove it from my credit report immediately. 

I appreciate your prompt attention to this matter, and I look forward to receiving the requested information within the next 30 days, as required by the FCRA.
Product: Debt collection

On XX/XX/2021 this company SETF/WOFC contacted me stating that i owed an account that was taken to court and tried to sue me on legal action. This company stated that they took action and hired a lawyer, they also stated that a judgement was granted in their favor against me during a time where i was not notified and during a time where the courts were closed due to the pandemic ( covid-19 ). Their was not an option for me to present a case nor a notification was presented towards me. They performed an illegal action due to the courts being closed. They also were threatening me against legal action if i do not pay immediately. They stated if i do not pay {$8800.00} that they will pursue other actions against me.
Product: Credit reporting or other personal consumer reports

Chase Bank is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

THOSE ACCOUNTS DOES NOT BELONG TO ME, PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY REPORT.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Applying for mortgage refinance. Received credit score report from XXXX XXXX XXXX. Next to Equifax, under " Key factors that adversely affected your credit score, '' it says " Amount owed on revolving account is too high. '' I pay my account off every single month.
Product: Money transfers

My mother is a victim of financial fraud. 
Someone contacted her via XXXX and managed her into sending {$1000.00} to XXXX. 

My complaint that Moneygram service ( located at XXXX store ) actually helped the fraud to happened. The elderly person ( she is XXXX ) walks in to the store ( and she does not look like she owns a fortune ), and send {$1000.00} cash to someone in XXXX. And she is from XXXX and obviously does not have any relatives in XXXX. Please review the practices and policies that Moneygram uses when they deal with an elderly persons.
Product: Credit reporting or other personal consumer reports

The Equfax class action lawsuit stated if your name was mentioned in the lawsuit, you need go no further, nor need to make a complaint. My name was included in the lawsuit, and yet, I have received no compensation whatsoever. I've tried making contact, but to no avail. I would really appreciate if you would look into this matter as soon as possible. I was notified about the data breach from XXXX, someone opened an investment account in my name using my stolen information. They said there were discrepancies in my account. If it wasn't me, to call a number and report it. This is how I found out about the data breaches. If I was in error, I take full responsibility. If not I would just like some confirmation one way or another. Thank you for your time, effort and assistance
Product: Credit reporting or other personal consumer reports

This inaccurate information is negatively affecting my credit score and does not accurately reflect my credit history.

I request that you investigate this matter promptly. If the item can not be verified or is found to be inaccurate, I ask that it be corrected or removed from my credit report as required by the FCRA.

Please provide written confirmation of your findings and any updates to my credit report as a result of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have A List Of Hard Inquiries That A Car Dealership Authorized Without My Permission. I'd Like For Them To Get Deleted Please. The Inquiries That I Would Like To Be Deleted Are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All Which were Never Authorized By Me. Please Fix This As It's Not Me Who Allowed For These Inquires To Be Authorized On My Behalf. Delete These Immediately At Your Earliest Convenience.
Product: Checking or savings account

I made purchases from 2 different merchants and 1 merchant product was faulty so he refunded me. Then I also made purchases from another merchant but she refused to refund me. I paid for online ebooks from these 2 merchants and the books were not good. The female didn't refund me but chime went into the man account twice and accidentally stole from him to compensate for the lady not giving me my cash, I told them that I made 2 purchase each from each of these merchants, they told me that they gave me all of my cash but they didn't. I want my 2nd refund from the lady that chime lied and said that they gave back but they didn't
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX Dear Debt Collector I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confiriming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information.

1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claimed is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Mortgage

Wells Fargo is at it again with it 's XXXX discriminatory attempted extortion XXXX!!! I have received a notice of intent to foreclose ( attached ) on my property for NO apparent explanation after paying my monthly mortgage payment on time every month, and Never 30 days or more late. Even though with Wells Fargo fully knowing that I have a negative amortization toxic XXXX PICK A PAYMENT loan that they continue NOT to provide a new revised loan on because I 'm a XXXX, as their representatives in Texas have personally verbally said before, and they want to take my property!!! All of a sudden have changed the monthly mortgage amount unbeknownst to me, nor has any document communication stating any change has been provided to me in writing as a consumer regarding the monthly payment amount. Attached are ALL monthly payment receipts that have been made, and the last PICK A PAYMENT statements breaking down the payment options, and monthly amounts due per each XXXX UP option .....
Product: Debt collection

Account was opened on  XX/XX/XXXX  in  XXXX , alaska the collections address and name :   XXXX   XXXX   XXXX   address :   XXXX   XXXX   XXXX    XXXX  AK   XXXX   We moved out on  XX/XX/XXXX  and the account opened on XX/XX/XXXX and the balance currently is {$260.00} the person paid 42 % of the debt.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Equifax Credit report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX I received notification that a new account was added to my credit report. Upon reviewing the account, I quickly noticed it was not my account. I disputed it with a credit bureau and later received documentation of the account. Someone in far XXXX XXXX opened an electric account in my name on XX/XX/2022 and used it until XX/XX/2022. This created an amount due of {$1600.00} that was added to my credit profile. I have never done business with this company or used their service. I had never heard of the town this occurred in until this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, IN XXXX I have two collections accounts recent reported by XXXX XXXX in XX/XX/XXXX for 2 medical collection accounts in the amounts of {$1100.00} and {$830.00}. These are being reported to all 3 major credit bureaus ( XXXX, XXXX, and XXXX ).

These 2 collections accounts are being reported as of XX/XX/XXXX with a Date OpeneXXXX of XX/XX/XXXX. 

These same 2 accounts were already reported previously by XXXX XXXX XXXX with XXXX XXXX XXXX being the original creditor. The 2 collection accounts reported by XXXX XXXX were in the amounts of {$1100.00} and {$830.00}. Both accounts were deleted from all credit bureaus as these were falsely reported accounts. XXXX XXXX 's collection accounts had Reported Dates of XX/XX/XXXX, and Date Opened of XX/XX/XXXX. So as you can see, not only are their discrepancies in dates, but it is obvious these are the exact same accounts just resold to another debt collector, despite the fact both accounts were already deleted and removed from all my credit reports. 

I was never provided notification, or allowed to contest this information. Once a debt comes off of your credit report, no furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, disguise it and re-report it, without notifying you and giving you the opportunity to contest it. Is this not correct? 

I am in the middle of being approved for a mortgage and this is an absolute joke that the bureaus even allowed this information to slip past and be re-reported. Quite honestly I could pursue legal avenues and not only get my credit report cleansed of the false information, but I am also likely entitled to monetary damages. 

XXXX XXXX has already been contacted twice with no response received. I opened disputes with all credit bureaus, and a complaint with the XXXX against XXXX XXXX. In which, XXXX immediately responded and said for me to reach out via email. Which I have twice, and have received no response.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



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Product: Payday loan

I applied for a loan, the company called my bank with me on the line and verified my information. I was told that the I was approved and that the money would be deposited into in two business days. at that time I was offered to received the loan in one day by paying an additional {$12.00} fee. On the day the money was supposed to be deposited in my account. I received a call from the company saying they needed a different work number. I had provided them with my supervisors number. They called after the wire cut off and there was no way to get me the money in addition they had been given the only number to verify my employment. I spoke to my supervisor this week. He was intending to discipline me because I broke security procedure and gave out the phone number. I corrected him and told him I had applied for a loan. He said the person who called him did not present themselves as a professional and he thought it was a customer. He said had they been able to communicate properly he would have verified my employment. I took a loan out to buy a luxury I did not have the money to buy. The company had me sign the loan document and said it was done. They did not keep their promise, as a result I have suffered overdraft fees and I want them paid. The company called me the next day after the day I was suppose to get my loan they wanted a different number. The damage had been done I told them I wanted nothing to do with them. Why would I go through this process a gain. Because the people doing the verifying are not American and obviously do not understand how to communicate when calling and asking for sensitive information. they were not able to verify. I have suffered do to the incompetence of this company 's employee and I feel they should pay my overdraft fees incurred do to their inadequacy. No I do n't want a loan from them. I want reimbursement of the fees they caused me with their lies. If my loan was not complete, they should have said so. I signed a promissory agreement and was told my money would be deposited on that day not it may be deposited. It was suppose to be a done deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Paypal because I believe that they are retaliating against me for disputing an alleged debt. I asked them to validate an alleged debt. I also made them aware that in addition, under 15 U.S. Code 1681 a ( 2 ) a ( 1 ), late payment reporting is a violation. They are transactions and experiences between me, the consumer, and XXXX  and should be excluded from my credit report. They have since limited access to my Paypal account. They are deceptively pretending to give me an option to resolve the issue by changing my password, but the website will not permit me to change the password, which prevents me from accessing my funds. This is retaliatory behavior, when they are in the wrong.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$7100.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Bal. {$610.00}. 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 XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was made aware of an incorrectly reported medical charge-off. The error was with the medical center accounting as the funds were paid through insurance. Additionally, we were never notified of the issue nor that the issue was being turned over to an outside collection agency nor that the information was going to be reported negative on my credit reports. I only found out about because I pulled an annual report. This finding was disputed in XX/XX/XXXX with the three reporting agencies and the information was removed. I am only able to locate one of the dispute confirmation numbers ( XXXX ) and only one " deleted '' screen shot from XXXX. End result is this debt is now once again showing up on my bureaus. XXXX XXXX XXXX and XXXX XXXX XXXX are the same debt and neither should be showing on any of my bureaus. It should NOT be showing as a debt, a past due debt, a paid debt, a collection account, an account paid in full was a collection account, a charge-off, or as a paid charge-off. This amount was cleared up with the emergency services accounting and billing department and was never a credit bureau listed debt, also proper notice was never given to me that this was going to be placed on my credit report, nor as a negative entry. The incorrect reporting on my bureaus was cleared up and deleted in XX/XX/XXXX and now the same information is back on my reports in XX/XX/XXXX! This cost me MONEY in increased interest rate as it affected my FICO score! This should be illegal for them to do, it needs to be once again removed ASAP!
Product: Credit reporting or other personal consumer reports

remove inquire not authorized XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 25 inquiries on my credit report that didn't result in myself obtaining financial services from them. As per U.S.C. 1681 sections 602 & 604 I had a right to privacy and no agency can furnish my account without my instructions. These I queries occurred roughly from XX/XX/ to XX/XX/ XXXX 
These inquiries have resulted in my credit score being negatively impacted.