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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed the items below on XXXX XXXX 2022, XXXX XXXX 2022, And XXXX XXXX 2022 but the bureaus did not remove the items below. 

Sec. 602 FCRA States " I have a right to privacy '' XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Moneylion CONTINUES to report an account as open and 60 days late. Even though it was discharged in Chapter XXXX bankruptcy on XXXX. The company was notified, and yet today they updated my account to have it reflect as 60-90 days past due. Which tanked my credit score 48 points. I want this company stopped and I would like to explore a lawsuit!
Product: Money transfer, virtual currency, or money service

I received emails from the bank saying Id receive deposits on multiple occasions. Such as XX/XX/2024. Never received the deposit for my settlement. I contacted the bank and they had me arrive on a Saturday because I was supposed to pick up money but never got it. The bank was closed. Then I called the bank and asked why I hadnt received it and they had no answers for me. I couldnt even cash in my tax refund check from the us department of treasury. The only thing the bankers told me was they couldnt do it YET I have an account with them.
Product: Credit reporting or other personal consumer reports

I have contacted All three credit agencies, Transunion, Equifax, and Experian regarding the Federal Credit Reporting Act and Permissible Cause Act. My rights has been violated and I asked that ALL negative content be removed from my credit reports immediately. I was compromised by each of these agencies breach of data and sharing my personal information among third party companies without my consent, verbally, nonverbal nor written.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed this account on my report with inaccurate and inconsistent information with all XXXX bureaus. The last verified date does not match the time frame that I requested the account be verified even though I received notification back saying the account was verified. There are XXXX different date of last activity dates, which XXXX is correct? There are different date opened dates. There are different last payment dates, and the dispute status says account not disputed when I have indeed disputed these accounts multiple times. This account does not match the record of any accounts I have and all of the inconsistent information makes it difficult to know what is correct. I noticed several inconsistencies and incomplete errors regarding these XXXX accounts. These accounts are hurting and preventing me from getting my approved for my dream home. It is your duty to ensure that ALL information reported is COMPLETE AND MOST IMPORTANTLY ACCURATE. The FCRA states that ALL information must be COMPLETE, XXXX, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report, and credit reporting agencies are required to investigate and correct any inaccuracies within 30 days.

In the case of *Henson v. CSC Credit Services* , 29 F.3d 280 ( 7th Cir. 1994 ), the court highlighted the necessity for credit bureaus to maintain accurate records and perform reasonable investigations into disputes. The inaccuracies on my report are negatively affecting my credit score and overall financial health.
Product: Debt collection

I received a very threatening voicemail from XXXX XXXX agency stating they were " On there way to XXXX ( Former employer ) and would then be coming to my house to make me sign legal documents. I returned the call to gather information on what this was about or even if it was legitimate. The call was anwsered by a very casual sounding man named " Mr. XXXX '' who I gave my name and the case number to that was left on the voicemail. He then without telling me transferred me to a kind guy named " XXXX '' who I also gave my information too and informed me it was about a debt for {$170.00} from a company named " Acceptance Solutions Group '' for a short term loan from early 2017! I informed I wasn't familiar with this company or loan and then he stated he needed to put me on hold to see if he can " Stop the courier ''. I took this as an obvious scare tactic even though this guy seemed kind. I then was transferred to another person named " XXXX '' who's title was " Director of Operations ''. He informed me that this was a debt that I only had two options for ... Either pay {$170.00} now or I will go to court and will be " forced to pay $ XXXX {$1000.00} for legal and attornys fees, He is just trying to help me out and give me one last chance ''. Again, I am not familiar with this debt or company. He read me my DL Number and email as what I can only assume was an attempt to make me feel this was valid. He then stated the original loan was for {$100.00} and the total pay back was {$170.00} from XX/XX/2017. He stated I made 8 Payments of {$27.00} ( Which totals {$210.00} ) but that I still owed {$170.00}. This did not make sense so I questioned further and asked why I have not received anything on my credit report from them and he informed me it's not on credit reports but it is still lowering my score. He said he understands my confusion with the math but the bottom line is that I have to pay {$170.00} now or I will have to pay up to {$1000.00} in court. I stated he can proceed with the legal paperwork and that was the end of the call. The tactics used by this company ( XXXX XXXX XXXX XXXX ) on behalf of Acceptance Solutions Group I feel are extremely aggressive and threatening. Stating they are on there way to my employer ( No longer work at ) and that they will have my boss OR HR manager sign the paperwork if I'm not available and then come to my house is uncalled for and wrong not even taking into account the math issues explained.
Product: Debt collection

FCO Fair Collections & Outsourcing calling me and threatening me on the phone in collection of {$3600.00}. 
XXXX Apartments in XXXXCalifornia evicted me and my XXXX daughters out of apartment XX/XX/XXXX when l was injured XXXX XXXX in XXXXCalifornia.XXXX 
I was n't been paid properly by XXXX employer and l was XXXX at home XXXX on XX/XX/XXXX. 
I am respectfully on Permanent XXXX Retired XXXX. 
I will send evidence of collections and medical evidence to Consumers Financial Protection Bureau by emails. 
I am on XXXX for stress. 
I am a XXXX Military Veteran and XXXX XXXX XXXX Citizen. 
XXXXCalifornia and Fair Collections and Outsourcing has ruined my credit XXXX. 
I can not obtain a Consumer Loan for my XXXX daughters College Education, XXXX daughters wants to continue their education for XXXX Careers. 
My credit is ruined. 
FCO even sent me a document with a reduction of 50 % to pay {$1800.00} on XX/XX/XXXXI always paid rent on time and me and my daughters XXXX we have been Discriminated and Retaliated by XXXX FCO collections and Outsourcing.since XX/XX/XXXX till Present. 
FCO collections and Outsourcing XXXX in XXXXCalifornia XXXX staff Discriminated.Those Managers XXXX no longer with them. 
XXXX Apartments even hired Attorneys to collect debts and Evictions. 
I file complaints against FCO collections and Outsourcing. And XXXX Apartments. with Federal Trade Commission XX/XX/XXXX 
But nothing was done. 
I will send notifications to President Obama and Congress about Issues XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for loans from Sallie Mae Bank and XXXX XXXX  XXXX XXXX XXXX. Now there are a total of 4 hard inquiries on my credit report that need to be removed.
Product: Credit card or prepaid card

Over the last month I have made several payments to Citi in an effort to pay off a balance transfer offer I had expiring on XXXX. 

Rather than applying my payments to the balance expiring XXXX Citi chose to allocate my payments to balance transfers I had expiring in XX/XX/XXXX and XX/XX/XXXX! 

I will now be forced into paying interest on nearly {$6000.00} that I have repaid before the associated promotion had expired! 

I can't help but feel like this is a predatory practice. The value of my latter balance transfer promos has been negated ( despite being charged balance transfer fees to use them ) and now I will have to pay nearly 15 % interest on the balance I intended to pay off! 

Please help!
Product: Credit reporting or other personal consumer reports

Equifax validated fraudulent information on my report. The Department of Treasury placed an account on my credit record but did not provide any information such as a creditor, payment information, or most importantly the date and age of the account. After disputing this with Equifax and contacting the Department of Treasury my research gathered the account is from XX/XX/XXXX. Equifax did not follow the law. The VCS ( original debtor ) failed to contact me promptly and inform me that the debt on my account existed. I never received any XXXX from the Department of Treasury, XXXX XXXX XXXX. When contacted the Department of Treasury the agent told me it was normal for them to just assume that the agency submitting the debt had done all things properly. Equifax has failed the basic aspects of the FCRA. They did not validate the debt, or gather any information such as dates, amounts, payment history, etc. I understand the Department of Treasury has no obligation policy and protocols but for EQUIFAX to just report what they receive is a failure because they are responsible for ensuring that the information being reported follows the FCRA. 
1. The date of debt is XXXX XX/XX/XXXX which Equifax did not obtain or any payment history 2. I never was contacted in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. I only found this out when my pay was garnished in Oct 2024 and got copies of the documents from my employer 4. The debt is invalid in the state of North Carolina 's statute of limitations 3 years 5. The debt is invalid on the federal level statute of limitation 6 years The sad part is that Equifax just reported this as a collection action not obtaining the basic information. Then when this information was disputed they used XXXX and just took the response without any true investigation. 

Equifax has no concern for the data it is reporting or for the law FCRA. Equifax is a greedy terrible company that needs to start abiding by the law. They can't continue to be allowed to just place anything on a consumer credit file.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account INQUIRY DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently notified equifax that I have been the victim of identity theft I have items on my report that I have reported numerous times that should have been removed from my consumer report These items been reported inaccurately are causing sever emotional distress as well as financial setback due impart I can not obtain access to XXXX  Please remove all old address and make sure all current information is accurate Please comply with my disputes
Product: Mortgage

In XX/XX/XXXX I reached out to my at the time mortgage company to seek assistance due to Covid related issues affecting our income. I was told I could have up to 6 months of no payments and after that time passes, I could choose the best option at that time to resume paying in a payment plan, all at once, or putting the missed payments at the end and resuming only one per month. Between two calls to my at the time mortgage company I asked for a total of four months and to resume in XX/XX/XXXX. 

In XX/XX/XXXX we received paperwork that P and C was to be our new mortgage company. I reached out to PNC immediately to confirm all the information had transferred from my previous provider, and they proceeded to tell me I am not guaranteed any assistance as far as repayment plan or extending things to the end, that they would simply review my file in XXXX and see what can be done or what I qualify for. 

This is not what I was told from the start and do not have the means to pay all missed payments up front either. 

P and C is not honoring what I was told by the first company from the start.
Product: Debt collection

Rent Recover, LLC has attempted to collect a debt that has not been validated and is not mine. Rent Recover, LLC calls multiple times harassing and threatening me for a debt collection that is not mine. I would like this debt removed from ALL XXXX credit bureaus : XXXX, XXXX, and XXXX. This debt that I do not owe is affecting my ability to buy a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were obtained through identity theft. I have sent police report, my id, copy of a bill, and social security card. The bureaus still will not remove the accounts. 

Accounts are XXXX XXXX, XXXX Bank, XXXX XXXX, XXXX XXXX, US Department of Education, XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

I will precede will legal action if this matter isn't resolved. It's been over a year and still no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian Thank you for sending me your internal records of the debt ( XXXX XXXX ) ACCOUNT # XXXX. I was Provided FACTUAL EVIDENCE by XXXX XXXX Manager, a contract with my alleged " signature ''. On the contract it has in RED STAMP that says " PAID '' with completion date XX/XX/XXXX. HOWEVER on the contract it states the FINAL PAYMENT was due on XX/XX/XXXX. How could this be a CHARGE OFF account if the payment was due only 20 days after the due date? which is PAID IN FULL. Please delete this account immediatly. I also have circled the date on the contract that says this account was opened on XX/XX/XXXX HOWEVER all three reporting agencies have different dates that says this account was opened in XXXX and XXXX? With so many inconsistencies regarding the account in the ( DATE OF LAST ACTIVITY ), ( DATE OPENED ) ( CLOSED DATE ) ( DATE REPORTED ), ( DATE OPENED ), ( ACCOUNT STATUS ) ( LAST PAYMENT ) & ( CREDITOR REMARKS ) section. This can not be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. i have attached my LEASE for address verification and SS # AND DRIVERS LICENSE best regard XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau : I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. 
( 1 ). How did you verify these inaccurate accounts? 
( 2 ). Did you talk to the court and if you did who did you talk with at the court? 
( 3 ). Were you required to pay a fee to obtain the bankruptcy papers? 
( 4 ). Can you provide me with the contact number and name of the person you talked to? 
My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : U.S. Bankruptcy Court Reference Number : XXXX Date Filed Reported on : XX/XX/2017 U.S. Bankruptcy Court Reference Number : XXXX Date Filed Reported on : XX/XX/2017 We are waiting for your response. If there is no deletion, we will move forward with escalating this matter and filing complaints with the CFPB.
Product: Checking or savings account

I had an incident where my wallet was lost, along with my identification and bank cards. Upon realizing what happened, I immediately checked online for any purchases using my PNC checking accounts. I went into the nearest PNC Bank and informed a representative of what happened, identified multiple fraudulent charges, and I asked the representative to have my account information changed and reissue new cards. After a week of waiting for new cards ad account information to arrive I contacted the bank regarding when I should expect my new account information, and was informed that my accounts had been " administratively closed '', and that I should contact their loss prevention/security department for further information. When I contacted the recommended department I was basically told that my accounts were closed due to fraudulent activity, and that I would not be permitted to reopen that or any other accounts with PNC. I asked many questions, but got entirely NO answers or any satisfactory resolution. I was treated extremely unkind and was talked to as if I was a criminal. After several unsuccessful attempts to resolve this, I eventually opened an account with another bank. I recently, however, pulled my XXXX report after having been denied the ability to open another account for my son. When I received my report, I saw that PNC has reported that there has been " Suspected Fraud Activity '' on that account. That 's TOTALLY WRONG of them to do that, especially since I did everything I knew to do and that I was the one to initiated a fraud investigation in the first place. Each time I went into the branch to get answers I was referred to the same fraud department who wasted my time and treated me horribly.
Product: Money transfer, virtual currency, or money service

On Sunday, XX/XX/XXXX, I attempted three times to use my Cash App debit card to send {$1.00} to XXXX to clear up a balance due with that company. The transaction was declined three times and the only explanation given on the app was that it was done for my protection. When I contacted cash app through their chat feature, I was told that I would not be able to use my card. I then asked why my card had been suspended and explained that this had some very serious consequences for me in terms of Getting By day today. The person I spoke with and his colleague both repeated the same line that they had no further information to add and that I should read the terms of service. I called the customer service line shortly after it opened at XXXX XXXX. And spoke to another person who repeated to me again that they had no information to add and that I should read the terms of service. I spoke to the night manager, and was told the same thing. For sending funds to one of their competitors, and I asked why they had no problem with me receiving funds from XXXX, and that to a reasonable person this might smack of Restraint of trade. The night manager told me that I could expect an email Within 15 minutes approximately from her Superior. I received an email from the managers Superior, identified only by the name XXXX, and was told that I would not be provided any information and that I find another alternative means of paying off the XXXX debit. I once again said that this was a catastrophic decision for which I have been given no explanation and that I needed her to put me in touch with someone who would with the authority to grant me relief from the catastrophic consequences of their company 's decision. I received a curt reply telling me that there would be no further Communications.
Product: Credit card or prepaid card

I contacted Direct Express XX/XX/2023 because the benefits I received where not on the card I had and was told that the benefits had been paved on a new card to a previous address of mines and had been used. After I was told a provisional credit would be issued within 10 days but was not giving this because I was told they dont necessarily have to award me the provisional when they had sent sent out a new card without my knowledge and to an old address wheee someone was able to gain access and use my funds. I have bill and responsibility that need to be taking car of so having to wait 45 days for something I am not liable for is totally unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX  are reporting an account with XXXX XXXX XXXX that should have been removed due to the 7 year rule.
Product: Credit reporting or other personal consumer reports

Under the provisions outlined in 15 USC 1666b, late payments linked to accounts identified as 464018 and 636992 must be removed from my credit report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.
Product: Money transfer, virtual currency, or money service

I purchased some XXXX and XXXX ( two different digital currencies ) through the Coinbase application on my XXXX phone. The digital coins were deposited into my account, and now the the coins can not be sent out to other digital wallets. Coinbase is effectively happy enough to take my money, but now it has been about a week and they still wo n't allow me to send the coins out.
Product: Debt collection

In XX/XX/2021, I found out my father took out a loan in my name. I began receiving notifications through my credit reporting agency that my score had been affected because of this. I reached out to the original creditor ( XXXX/Synchrony Bank for Car Care ), and the collection agency they referred the debt to, XXXX XXXX. I explained this was not my debt. My father had even admitted to the debt being his, had called XXXX XXXX directly, and signed sworn statements verifying this debt. The account was not mine, has never been mine, I do not even own a vehicle in order to take out a loan like this. Both agencies refuse to remove my name from the account. Additionally, XXXX XXXX has been calling me nonstop even after they have been told to only correspond with me via email or snail mail. I have made this request to them in writing several times, yet they continue to call me everyday.