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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

On XX/XX/2019 received an alert about a collection account being placed on my XXXX  credit report. I checked it and noticed that there is a collection account from the company Afni for XXXX stating that it was opened on XX/XX/2019. I had already filed a police report and fraud report with the FTC. This is a strong case of identity theft. I had this problem before with this company and informed them of the problem. This is not my account.
Product: Debt collection

I canceled a gym membership that I had with XXXX XXXX  in XXXX Massachusetts back in XX/XX/2020. I was told that the account was in fact canceled effective XX/XX/2020 and they will no longer collect money out of my bank account. Surprisingly enough I have been receiving harassing phone calls from a collection stating that I owe XXXX XXXX {$80.00} for the membership that I thought was no longer active. I have tried unsuccessfully in many occasions to contact the gym to no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items including unauthorized inquiries be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX and XXXX XXXX XXXX Acct # XXXX, have 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: Mortgage

Since I registered my last complaint that is being acted upon I have discovered that my loan has apparently been sold to another company. As XXXX are still investigating my complaint I am at a loss as to what I am supposed to do next as I at first thought this was a scam. The new company have made no attempt to contact me via my contact address that should have been passed to them by XXXX but is also readily available from the Appraisers office. I still believe I am being forced into foreclosure by these companies. I have not signed loan paperwork with either company and was completely unaware of this second company until last week. Please assist me to resolve the matter. 

CFPB Case XXXX Company review In progress XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle secured by a loan through XXXX. The vehicle was subsequently repossessed and resold. 

In XXXX I received a postcard stating that I was apart of a class action lawsuit with XXXX and that XXXX is REQUIRED to REMOVE ALL information from my credit reports at all three credit bureaus. 

The information is still reporting as a repossession. 

I called XXXX and they stated that they sent the appropriate paperwork and there was nothing else that they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX is reporting inaccurate information on my consumer credit report. They continue to furnish inaccurate information that was open fraudulently and/or reported inaccurately. This is causing adverse action to be taking against me. My personal information has been brought and sold to other persons. I did not give these CRA 's permission to do so or to advertise any fraudulent or inaccurate information. The furnisher duty is to investigate inaccurate information and conduct a proper investigation under the FRCA requirements. In regard to 15 USC 1681S-2 they have violated the law. The furnished information needs to be modified, deleted or permanently blocking the reporting of all disputed information According to the federal law ( 15 USC 1681 ) it states that consumer reporting agencies must ensure their right to report on the consumers report with fairness, impartiality and to respect the consumers right to privacy with regards to confidentiality, accuracy, relevancy, and proper utilization of information. They have failed to follow the federal law which is affecting my credit worthiness and reputation etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have two accounts showing two different amounts on my credit report. I wrote to XXXX, XXXX, and Experian to have these accounts removed. I wrote to XXXX XXXX XXXX. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me. 

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting.
Product: Credit reporting or other personal consumer reports

My private information was violated by credit reporting agencies which is not in compliance with the privacy act of 1974.

15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 

Also On XX/XX/XXXX my information was sold to a third party debt buyer without my permission and or option to opt out.
Product: Bank account or service

They update my account balance to maximize fees in their favor. I always check my balance before purchasing anything. They charged me {$35.00} on .XXXX after i put {$4.00} in my account to cover the .XXXX. They dont process things for days even though it shows the money is spent just so they can try and get people to overdraft
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on 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 Fund Tranfser Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate and redress for these violations.
Product: Credit reporting or other personal consumer reports

I tried working with the company back in XXXX until the end of XXXX when I could no longer financially handle it. I always had to pay a monthly fee of about {$130.00} and none of my credit issues were going away. The numbers I was provided to contact the reps were rude and misleading
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX  XXXX never late XXXX/XXXX XXXX  XXXX not mine COLLECTIONS XXXX {$80.00} not mine XXXX {$68.00} not mine XXXX  XXXX  XXXX  XXXX {$840.00} not mine
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX are reporting a collection account listed as credit collection but have provided no evidence on how they validated this alleged debt, this is a violation of my federally protected rights. This account has it been verified because I have signed no contract with this company nor had any account. Delete this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Equifax has not responded to my letter that I sent out to them WELL OVER 30 days ago. Credit Reporting Agencies have 30 days by law to respond to letters as I am yet to receive a response from them. I've pointed out to them that they misrepresented my credit report. Showing accounts that don't belong to me and their reporting inaccurate information. I can't seem to get them to take me serious enough to not only report only 100 % accurate information on my credit report. But to also respond to my letters. My rights are indeed being violated. This is against the law and is totally unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

filled out an application for a us bank corp credit card at an XXXX XXXX XXXX XXXX store for {$15.00} dollars off on my purchase, the application was approved a few days later I received a us bank credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called us bank, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by us bank number 2, then us bank turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops 75 points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!
Product: Debt collection

The collection agency AIH Receivables Inc in XXXX, KS did not provide me with the following information that was requested twice : A copy of the last billing statement sent to me by the original creditor. 

The amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 
XXXXOr Details about their company and who they are : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

I have asked for this information twice and they are only sending me an itemized statement from the original creditor and a sheet where I agreed to pay for all charges. 

However, I do not know who these people are and would appreciate it if they would just provide me the information I requested with twice. Once I can compare that with my records then I will feel more comfortable with paying the amount.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of fraudulent activity on my credit report as a result of a data breach. I am a victim of identity theft and, under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the fraudulent account and credit inquiries listed below. 
Fraudulent Account : Creditor Name : Capital XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Fraudulent Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX ( two separate inquiries ) XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year> XXXX separate chargers were made in the XXXX XXXX XXXX totaling {$4600.00} I was scammed by a person posing as law enforcement and immediately called Wells Fargo to stop the transactions and Wells Fargo claimed that they could not and would open a case for investigation. After the investigation concluded Wells Fargo decided that no fraud had been detected. Wells Fargo never activated fraud protection for my debit card.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report after being unable to access for an extended period. Upon reviewing the report, I discovered that fraudulent inquiries have been opened under my name without my knowledge or consent. It appears that my personal information has been misused, leading to these fraudulent activities. I suspect that my personal information was compromised, as I have not authorized these account, inquiries or transaction and I have been a victim of XXXX XXXX.Dispute and remove following inquiries XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX
Product: Credit card or prepaid card

I was told if I paid my credit card bill on time and never late for a year I would get my deposit back. Of XXXX dollars. I complied completely. I was told in a email that my deposit will be sent to me. I waited over 30 days and still have not received the check. I called multiple times and was told the check was mailed. So I see that statement as a lie. So I want the XXXX balance either handed to me in person. Or credit my account.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells FargoXXXX XXXX is reporting late payments for the year of 2020 and I would like them removed. Due to the unforseen events with the Covid 19 pandemic I had an extremely hard time when things began to unfold. My employer ended up losing a lot of work therefore my hours were cut. I am usually very diligent about paying my dues, but this was a difficult time. I ask that Wells Fargo make a goodwill adjustment to have this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My  XXXX  credit credit card account which was in good standing has been closed since    2011. I want it removed from my credit reports. When I applied for a credit card limit increase I was originally denied because of the   XXXX   credit card account on my credit reports even though it was closed since 2011.
Product: Vehicle loan or lease

XX/XX/XXXX on or about XXXX one XXXX truck was repossessed at XXXX XXXX in XXXX Maryland when payment was not due. Suntrust Bank had to return the truck promptly. I filled a complaint out and nothing happened. 
In XX/XX/XXXX Suntrust XXXX XXXX of XXXX  Maryland returned my payment saying that SunTrust had charged off the account, even though payments had been made without any due at that time. I have enclosed the Money Order that XXXX XXXX Suntrust XXXX XXXXXXXX had returned. I then called Suntrust and spoke to a CSR and she stated why had I not made all the payments with my bank card and said I stilled owed {$3200.00} and unless I make a agreement I will not get my title. That is one " mistate '' in XX/XX/XXXX and another huge mistake in XX/XX/XXXX. No excuse for this type of banking. I also have requested statement 's from them for ten years, but the prinicipal owner is in bankruptcy but I am not and I have made the 100 payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City, XXXX XXXX XXXX Mn XXXX Email Address : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible 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 : ( 2 ) In accordance with 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 federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY Remove all late payments and negative items on my account, and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Debt collection

I have two different account numbers with both being derogatory with no balance owed on either account. I sent out verification and disputed and the issue is still not fixed for 18 months. I still haven't gotten anything even with me giving my new address. XXXX and XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX  XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

We applyed for home mortgage about 2.5 months a go with Chase mortgage. We had meeting and we thought every thing is good to go, got better rate and closing cost was discussed and at the end we end up homeless for about 12 days and still do not know when will be closing for my house even paying higher rate or more closing cost. Was all just talk.We are chase customer for about 25 years but never though of such a bad service from Chase. So may phone calls to so many supervisers are usless.need help
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent and inaccurate accounts reporting on my credit report