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

XX/XX/XXXX XXXX XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not have any affiliation with XXXX  XXXX, I never authorized anything regarding this company ) I've tried to dispute through XXXX XXXX and I was not given updates to my complaint. XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I've tried to dispute through XXXX XXXX and I was not given updates to my complaint. XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX - XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I tried to reach out to the institution to see what this inquiry was regarding, I did hear anything back. XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I've only had affiliation with Sprint/Boost cellular services. XXXX XXXX, WA XXXX ( XXXX ) XXXX I am scared someone may have access so my social security number.
Product: Debt collection

This company is the closest thing to a payday loan. I have actually had 3 loans with them. Competed 2 with an outstanding track-record. I only had issues with this 3rd one due to setbacks. Unexpectedly. It was unlike my normal routine. They even noticed that it was out the norm. I have since caught up with all my past due amounts. They will likely not be calling anymore. I am submitting this because the hard working manager may not be aware that people in that office or in corporate are not following the rules. They called me multiple times, repeatedly even after we discussed an arrangement. I don't like their terms. I think that their loans are too high and take advantage of people, but the law allows it and I have unfortunately had to pay far more the amount of money back than what I should, that's another topic for debate because the " law '' allows this. They did call too many times and I have the evidence. I even called and told them that it was happening and I didn't want to report. That didn't work. So now, I am drawing the line.
Product: Debt collection

In XX/XX/2019, my then-fiancee ( now husband ) went to XXXX to add him to my existing XXXX account. We were upsold on new packages that only my fiancee was eligible for as a new customer. We accepted the new package and an account was opened in his name. 

My account was supposed to be cancelled, but his phone number and device was added to my OLD account, which is now unable to be reached since it is seen as " closed. '' I was then charged nearly {$200.00} for the new phone because it was not placed on the new account. 

We have upheld every part of our agreement for XXXX and their administrative errors have cost us dozens of hours of work to try to get resolved.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX we entered a forberance plan with XXXX XXXX. According to the CARES act if the loan was in good standing when we entered the forberance plan, then the lender would continue to report the same status during the forberance period. Our loan was sold to " The XXXX XXXX XXXX XX/XX/XXXX. 

" XXXX XXXX '' reported my loan as 120 days late therefore violated the CARES act provisions on forberance. 

Due to the delinquency, it caused irreprable damage to my credit affecting other credit lines including my care credit card which was set asside for an imminent medical peocedure. 

I've contacted XXXX  XXXX  over the phone twice and both cuatomer service agents agree my loan should not have been reported past due, the issue was not resolved they did not fix the reporting. 

On XX/XX/XXXX I emailed them a request to formally request they update the credit reporting and havw not received any correspondance. 

This situation is making this diffucult time worst.
Product: Debt collection

I believe this to be a legitimate scam. I received a letter in the mail on XX/XX/2022 from TSI ( Transworld Systems Inc. ) I've never heard of them or the Creditor : XXXX XXXX XXXX. Several of the phone numbers i found to contact both companies, don't work and the one that does, goes to a very suspicious routing system and i never get a person or resolution. The letter says i owe {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They are threatening me for a debt with from A company called XXXX XXXX. If I do not settle this will be sent to a law firm in my area.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Filing Claim for Legal and lawful remedy I am writing to file a complaint regarding inaccurate and misleading information on my credit report, in accordance with consumer protection regulations and the relevant provisions outlined in the Consumer Financial Protection Bureau ( CFPB ) rules and United States codes.

I have obtained a copy of my credit report from your bureau, dated [ date of credit report ]. Upon careful review, I have identified multiple errors and discrepancies that are negatively impacting my creditworthiness. I request your immediate attention and assistance in rectifying the following issues : 1. [ reporting errors. ] 15 usc 1681s-2.

This error violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ) that states that credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of the information in their credit report.

2. [ reported incorrect information. ] This error also violates the FCRA and the CFPB Regulation V ( 12 CFR 1022.43 ), which requires accurate reporting and investigation of disputed information.

I demand the following actions to be taken promptly to rectify these errors and restore the accuracy of my credit report : 1. Conduct a thorough investigation into each disputed item and promptly correct or remove any inaccurate or unverifiable information from my credit report, as required by FCRA Section 611 ( a ) ( 1 ) ( A ).

2. Provide me with written notification of the results of the investigation, including any changes made to my credit report, within the statutory time frame of 30 days, as stipulated in FCRA Section 611 ( a ) ( 1 ) ( C ).

3. Cease the reporting of any disputed information to third parties while the investigation is ongoing, in compliance with FCRA Section 611 ( a ) ( 2 ).

4. Update my credit report to accurately reflect the changes made as a result of the investigation, as mandated by FCRA Section 611 ( a ) ( 2 ) ( B ).

Failure to comply with the aforementioned provisions of the FCRA and CFPB regulations may result in legal action and damages sought under FCRA Section 616 and Section 617.

I kindly request your prompt attention to this matter. Please provide me with a written response acknowledging the receipt of this complaint within 15 days from the date of this letter. You may reach me at the contact information provided above.

Thank you for your immediate attention to this matter. I look forward to a prompt resolution of these credit report discrepancies.

Sincerely
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, a friend sent me XXXX via Cashapp. I did the instant transfer but the money never arrived. I did live chat with cashapp ; they suggested I call my bank because on there end, the transfer was " successful ''. I spoke with the bank and they saw no pending or processing funds due to go into my account. I called Cashapp again, the rep gave me a transaction number. I called the bank again and spoke with someone in the fraud department. The rep said they could now see a pending deposit from cashapp for XXXX. I asked if the funds could have somehow been circumvented and they said their security encryption was too high and that isn't what they see. The rep said the transaction came straight to XXXX  ( my bank ) with XXXX funds. I called Cashapp back and they launched an investigation that could take 10 business days. I am in a serious jam and desperately need that money. The insulting part was their assumption that I did something to cause this issue. I want my funds because, clearly, this is a Cashapp error. This is egregious! I found close to XXXX similar complaints on XXXX and FTC has a warning about money transfer companies siting money theft. This is totally on them and they need to fix it immediately!
Product: Mortgage

XX/XX/2018 I closed my loan application with Amerisave, loan number XXXX, and requested the {$500.00} they collected for an appraisal fee to be returned. My home was never appraised.
Product: Debt collection

I received a letter from Credit Protection Association in XXXX regarding a debt that they claimed that I owed in New York on a debt that I am not familiar with. I responded to their letter within the 30 day period asking them to verify the validity of the debt. I did not hear anything from Credit Protection Agency until I noticed that my credit report showed a collection in the amount of {$10000.00} stating that I owe this debt. I have not received any documents to this date that this debt is mine and I do n't think they have the right to place it on my report, reporting a current opening date of XXXX 2015. Even the opening date on the credit report was placed on my report before I received the letter in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit on XX/XX/XXXX due to being denied a loan thru XXXX XXXX on XX/XX/XXXX I discovered I had identity theft again I reported identity heft to all three major credit reporting companies in XX/XX/XXXX & XX/XX/XXXX I was recently notified that I have monies at the dc unclaimed Reported XX/XX/XXXX By XXXX. My XXXX card on all three credit reports The address of XXXX XXXX XXXX XXXX WASHINGTON DC # # # # # # THIS IS THE FEDERAL COMMUNICATIONS commission ADDRESS NOT MINE as reported on my credit report by XXXX  of XX/XX/XXXX EXPERIAN reported my XXXX XXXX account as closed but it was used after my credit report by experian said it was closed It also says reported in XX/XX/XXXX pprox. Reported where XXXX.inquiry.. XXXX XXXX letter of XX/XX/XXXX denies the inquiry on all three credit companies they said the only one they did was in XX/XX/XXXX when I purchased a car. 
Due to my experian and other reports having false info on them and me having identity theft registered with the FTC and confirmed in XX/XX/XXXX by the office of the comptroller for currency I requested via phone at experian to give me What addresses were reported by which creditor on my experian report Especially XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Etc And what phone numbers go with what creditors account due to the XXXX XXXX like number And XXXX are not mine along with 18 others on my XXXX report I requested this info from experian person via phone in XX/XX/XXXX. The male said I could not delete any addresses or phone numbers because they were linked to the creditors that reported the addresses and phone # .. to assist me in recovering from identity theft I need all that info And the dates reported info on all my accounts Did they report that to a unclaimed department of the United States . 
This will also help me catch the identity thieves and recover my missing million plus dollars unaccounted for Have then send me this info asap for court with my ex husband XXXX XXXX as if XX/XX/XXXX I also Need to know who reported my income AS what is stated on my experian report as Retired XXXX SECOND INCOME This sounds like my ex husband History. 
I worked for 45 years before I was put on XXXX. 
I also have 45 years of credit history why is there only 13 years on my credit Also why do all three credit reporting companies have my names totally different EXPERIAN has XXXX XXXX XXXX XXXX XXXX XXXX has XXXX XXXX XXXX has XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied for a Chase Freedom XXXX credit card on XX/XX/year>, they were offering a {$200.00} Cash Back After You Spend {$500.00}. I met the {$500.00} spend by the middle of XXXX, which was within the first XXXX months. I called them on XX/XX/XXXX to resolve this issue, and they escalated this case. It's now, XX/XX/XXXX, and I still don't have my {$200.00} cash back bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies do not have same information underwriting have. The three credit reporting agencies tell me they dont have information that my XXXX XXXX XXXX loan is in default, but current. Underwriters ( banks ) say I pay {$3000.00} a month. Ive produced documents from the XXXX showing what I pay XXXX {$0.00} XXXX. Thus no loan.
Product: Mortgage

In XXXX I was notified that my loan was being purchased by Sun Trust Bank and would be given a XXXX  day grace period for payments starting XX/XX/XXXX My payment to my previous mortgage service company was rejected on XX/XX/XXXX. I called Sun Trust Bank and was told I was not yet in the system and they were unable to take a payment due to a recent acquisition. The representative told me to make both XXXX and XXXX payments on the XXXX of XXXX. However received a delinquency letter and a call threatening to ruin my credit on XX/XX/XXXX from Sun Trust if they did not receive immediate payment.
Product: Debt collection

A debt collector is reporting a collection on my credit, ( portfolio recovery ). They are not original creditor, the creditor is ( Citi Bank ) it was a Best Buy account from about 4 years ago... They are making it seem like this is a new account and I assure you that it is not... I want to sue them for fraudulent reporting and causing my credit to be negative... I can not advance my business because of this reported on my credit profile .... Please help me
Product: Checking or savings account

On XX/XX/XXXX of XXXX I had file disappear because I had a transactions was made on my account unauthorized no one had permission to get into my account the amount came out to be {$6100.00} I was granted instant credit but I only had received {$350.00} back on XX/XX/XXXX then XX/XX/XXXX I was granted my dispute didn't give me my phone amount of the {$6100.00} I only have received XXXX I added up all the transactions that was approved it equaled out to be {$5800.00} but I didn't get that I got the {$5600.00} and then XX/XX/XXXX my account became negative of XXXX dollars change so I called numerous times to explain to me all this what's going on about not getting my full amount of dispute money and then the granted approved transactions didn't get that amount that was shown that I should have gotten every time I would call I get hung up on wait for over 45 minutes to an hour and hung up on no one could ever answer my questions when I have questions they have no answer I would like to know what's going on with my account and where my money 's at I can not afford to just take a loss on it at all I would think it would be fair to get my full amount of credit that the money was taken from me
Product: Debt collection

This toll fee number is pretending to be calling from US Bank to collect a presumed unpaid debt on my business credit card. The scrupulous rep is asking for bank information to collect payment. US Bank was informed but this thugs kept calling me. Below is the phone number they are calling from. 

XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that are reporting on my credit file that does not belong to me : Incorrect Names : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX ; Bal : {$520.00} XXXX  - XXXX XXXX XXXX XXXX ; Bal : {$3900.00} XXXXt - Bal : {$0.00} XXXX XXXX XXXX - Bal : {$0.00} XXXX XXXX XXXX XXXXXXXX - Bal : {$0.00} Please remove the following incorrect late status from the listed accounts : XXXX XXXX - incorrect late on XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Bal : {$0.00} Please remove unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Navy federal took my stimulus check stating i owed them for over drawn checking accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Debt collection

The debt is listed as being incurred in XX/XX/XXXX against a business that closed in XX/XX/XXXX and was closed debt free with all business relationships finalized and satisfactorily closed out. I contacted the orginator ( XXXX XXXX XXXX ) without any success because I could not produce an Account Number of the closed business. This debt collector now wants payment or will continue to send me letters and call my home.
Product: Vehicle loan or lease

On  XXXX   XXXX ,  XXXX  I purchased a car from  XXXX   XXXX   XXXX   XXXX   XXXX    in  XXXX , VT.   Said car was financed thr ough Credit Acceptance Corp. out of    XXXX , MI.   My finance contract had the purchase price minus my down payment, but also included fees for the extended warranty and for th e GAP Protection.      On  XXXX   XXXX ,  XXXX  I re-financed my car through my local credit union and a check for the payoff amount was sent t o Credit Acceptance Corp.      That GAP protection was issued by  XXXX   XXXX   XXXX   XXXX    and I was told by them that the protection was cancelled and there would be a partial refund issued. I then spoke with a customer service agent  at Credit Acceptance an d was flat out told that there would be no refund issued to me on this.     My contract has me paying for the car, the financing, the warranty AND the GAP!   My refinance took care of the pay-off. So I should be entitled to that partial GAP refund because I 'm the one who paid for it.      Credit Acceptance Corp., is re fusing, actually they are just telling me that there will be no refund issued to me for the GAP period, end of story, sorry! BS
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX XXXX, XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, through XXXX XXXX, I was made aware of a hard credit inquiry made on my XXXX report around XX/XX/2023. Through my investigating I discovered an attempt to open an account with XXXX. 
On XX/XX/XXXX, I contacted XXXX and they had me contact XXXX. XXXX had actually already sent this application to their fraud department because the address used did not match the address I have on file. I gathered they would work on taking this inquiry off of my credit report. 
Today, XX/XX/XXXX, I have placed fraud alerts on all of the credit reporting companies and am trying to get the address removed that was used fraudulently. I also attempted to file a police report but they wouldn't let me since no money was taken.
Product: Debt collection

Portfolio Recovery - XXXX Opened XX/XX/2021. {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. They were once deleted and put back on my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

Bank of America promise me to modify the loan and ask me for several paperwork over the course of two years but in the end are foreclosing my home on XXXX XXXX 2015.