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

XXXX XXXX is reporting an inaccurate account on my credit reports that I have been disputing for some time now. This account is reporting open but there have been consistent late payments reporting each month when the monthly payment for this account is showing as {$0.00}. How is the account late if there is no monthly payment owed? Further more, there are reporting that payments were captured in the same month that the account was late. How is this possible if there is a monthly payment of {$0.00} and if there was a payment made how can the account be late? It is the responsibility of the consumer reporting agencies to report accurate information and conduct a thorough investigations into disputes and this has not been done. The inaccurate and inconsistent reporting of this account has caused so much distress and for me to be denied when I am at no fault. The consumer reporting agencies are in violation in reporting this account per the FCRA and I am demanding that this account is deleted from my reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a few dealerships that said they would pull my credit report just for their dealership, however they pulled out quite a few hard inquiries. The other hard inquiries listed, I just do not recognize. I have tried to call the numbers listed directly to tell them to provide proof that the inquiries should be on my report, but they told me to contact the credit bureaus to take it off my credit report. So I asked the credit bureaus, and they told me to call the companies directly to take it off my report so I am getting the run around at this point. Listed are the hard inquiries I need removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX US DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These names are also not correct : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the following addresses are not correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXXXXXX XXXXXXXX  XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$42000.00} XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX Balance Owed : {$5500.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2200.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumter rights to privacy and confidentiality under 15 USC 1681. Account-XXXX XXXXXXXX # XXXX Account- XXXX XXXX  XXXX # XXXX XXXX  XXXX XXXX XXXXXXXX has violated my rights. I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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 ( 1 ) 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 reinvestigation : and ( 2 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute the following information in my file about an HARD INQUIRIE I never made or no any thing about it the company is XXXX XXXXreditor Contact Details XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have been monitoring starting date of XX/XX/2024, my credit report due to data breaches. I noticed a collection from XXXXXXXX XXXX. I did not notice. I have contacted all three credit bureaus. The company agreed and removed the collection from my credit report then they later on added the account back. I have attached proof.
Product: Checking or savings account

I filed a claim the claims representative got the claim wrong and is possibly going to ruin any banking relationship I could have this is a urgent matter please help I have been on hold 4 hours
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I took out a loan due to an emergency, The loan was for {$600.00}, but repayment once I accepted the loan was unlawful exhorbant fees, {$380.00} a month for 9 months, they give you the option to revoke authorization at anytime. So on XXXX XXXX I revoked authorization on my bank account and debit card or in any form. They responded right back saying they would not go into my account. Then out the clear blue I get an email about wage assignment and to again revoke authorization which I have sent a letter back doing just that, and I have a stop payments on my bank account against them. I want to ensure they don't go into my account as I have took all necessary steps to prevent it. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to update two accounts on my report though they have been notified of inaccuracies. One account, my XXXX account, reported a recent 30 day late in XXXX. This was a mistake and XXXX notified all three bureaus of the mistake. XXXX and Transunion have updated my balance on the account and removed the 30-day late notation. Experian STILL has not updated the balance of the account or remove the 30-day late. It is reflected as a delinquent account and this has tanked my score. Further, a collection company who does not have the authority to collect a debt it claims was owed ( I paid the original creditor IN FULL ) reported that the account was in collection. I disputed this with Experian and the result of the dispute was " the company that reported the information has certified to Experian that the information is accurate. '' Experian did not conduct a full investigation. If it did, the account would have been removed or, at the very least, reflect a {$0.00} balance as no debt is owed. The collection company XXXX XXXX XXXX has acknowledged that they have no authority to collect on that debt and that it sees a {$0.00} balance is owed to the creditor, so they would have informed Experian of that IF Experian bothered to contact them. This is proof that Experian has not conducted a proper investigation. It is not fair that delinquent reporting can be done so easily, but us consumers have to jump through hoops to correct valid inaccuracies.
Product: Credit reporting or other personal consumer reports

I have disputed this account countless times this year. it was open back in XXXX and for some reason it still reporting even though it is closed for collections. 

XXXX AND EXPERIAN IS STILL REPORTING THIS XXXX XXXX XXXX STATUS. THIS SHOULD BE REMOVED AND CLOSED. 

IT HAS BEEN REMOVED FROM XXXX WITH XXXX. IT SHOWS DEROGATORY ON MY REPORT AND PREVENTING ME FROM MOVING FORWARD. 

THIS ACCOUNT IS OLD AND IN A FALL OFF STATUS. AS LONG AS IT REMAINS YOU GUYS ALLOW THE COMPANIES TO RETRY AND KEEP THE CREDIT ATTACHED AND THAT IS ILLEGAL AND A INCCURANCY
Product: Bank account or service

In XXXX of 2014 I started a new job and was given a paper check for my first payday. I deposited this into my XXXX XXXX bank account and was told the items would be available the next business day. I wrote a check to deposit funds off of this account to transfer to my Bank of America Account. XXXX put a delayed Reg CC hold on the paycheck and bounced the check I had written to the Bank of America account, causing the bank of America account to go negative. Bank of America closed my account and reported me for fraud, even though I have since paid back any amounts owed, and supplied them with documentation that the funds were there. Bank of America refuses to work with me to clear my name or allow me to open another account. This has lead to issues opening new bank accounts as well. I would like all negative information on file with bank of america removed as the funds were there to cover this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXXDEPT OF ED Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with a collection and inquiries I did not authorize, please delete
Product: Debt collection

Received this letter that all personal information was breached : XXXX XXXX XXXX XXXX XXXX XXXX, Ky XXXX Letter was from Retrieval Masters Creditors Bureau inc. 
American Medical Collection Agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX Activation Code : XXXX Personal informations such as social security numbers, phone numbers addresses and and medical records were hacked between the period of XXXX XXXX and XX/XX/2019. 
All they offered was free credit monitoring, I am not interested in credit monitoring, I already monitor my credit however I feel that I am entitled to a payment settlement and I would like to join the class action lawsuit immediately. 
You can email me at XXXX Also my wifes name was hacked under XXXX XXXX ( old name ) and under her correct Name XXXX XXXX. 
I was hacked twice, my name is XXXX XXXX. 
Both of us received two letter mine was under XXXX XXXX Hers were her under her old name XXXX XXXX and also under her current name XXXX XXXX. I dont want credit monitoring I would like a cash settlement for both of us four times, since we received four letters.
Product: Payday loan, title loan, personal loan, or advance loan

MISLEADING ADVERTISEMENT I applied for Pay Tomorrow Loan on XXXX website ( XXXX XXXX XXXXXXXX ) and was denied despite the Company stating I was " Pre-Approved ''. 

I had an installment loan ( Lease to Buy ) with this Company in XXXX and abide by the terms and conditions of the loan. 

However, my grievance is with the language that it is using currently that states I am " Pre-Approved '' only to receive a denial response. 

This false advertisement at best. Pay Tomorrow is in violation of The FTC Act regarding advertising. 

Please go to XXXX XXXX XXXX XXXX XXXX. 

It clearly states get Pre-Approval Link by filling out basic information. 

Please thoroughly investigate this breach of trust. Thank you.
Product: Consumer Loan

I purchased a new Volkswagen on XXXX XXXX, 2015 and financed it through VW Credit. I financed for a long term but knew that I would pay ahead. To date I have made XXXX payments and they are not reflected on their web site. First I was told that the site was unable to show balance due and payments but I could request an email from them for this information. When I told them this was unacceptable and that the information should be available at all times they said it would not be available until I had made XXXX on time payments. I financed my last vehicle through a credit union and this information was available at any time at their web site. Withholding this information is just not acceptable.
Product: Debt collection

Im a XXXX year old who has been sued by Asset Acceptance LLC for a {$300.00} credit card that was paid off in XXXX. The company had already taken over {$6000.00} and the judge told me that if I filed another complaint against the company, Id be thrown in jail! I do not owe this company. Theyve taken over {$10000.00} from me. Over {$800.00} was taken out of my account today, XX/XX/XXXX. My taxes, bill money, and social security has been taken by this company. I have no one to turn to and Im behind on bills and about to be thrown out of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is trying to collect a debt that is not valid I have received a letter from them validating the dead XXXX thing I do not understand is how can you validate a debt with a electronic signature and say Im obligated just like a written signature I have providedA picture of my ID with my signature on it the signature and contract they sent me does not match my signature this account does not belong to me and I have no knowledge of it I would like for it to be removed from my credit report permanently and never to return Account number # XXXX Balance on this account is {$4100.00} And has also been sold to XXXX different creditors it states that in the letter I have received from them for validating the debt how can you validate a debt with electronic signatureRemoved from my credit report immediately That gives me great concern about the credit bureaus XXXX XXXX XXXX and Equifax or validating debts that they do no investigation on this is a violation of the fair credit
Product: Money transfer, virtual currency, or money service

I opened an account with coinbase and easily set up my debit card to deposit funds but when I went to withdraw funds I was instructed to link my bank account for withdrawal.s. I did as insructed and waited for verification deposits. Received them 5 days later yet the account is still not verified and funds can not be withdrawn.
Product: Credit card

I opened an account with grow credit. 

make a monthly payment to them plus a small processing fee, then I can use their virtual visa to pay for certain services.

I linked my bank account and paid from said bank account without fail for close to a year or more.

Every so often they would report to me that my bank account didn't have enough funds to cover the charges ; this was never the case.

Even when I manually tried to initiate the payment their systems would refuse to accept the payment.

I reached out to them numerous times, they're telling me that their system reports I have insufficient funds in my bank account. None of this is true, they refuse to process the payment and now they reported a XXXX days late charge on my credit report. 

This is for XXXX dollars! 

Not only that, I had to migrate my XXXX payment the the same bank account Grow Credit tries to tell me doesn't have XXXX dollars. 

I've also attached a screenshot from Credit strong where I make 10x the payment to them each month that grow credit says I don't have in my bank account. 

I clearly have the funds in my account and was successful making payments for many months without issue and I still continue to make payments to others from the same bank account.

I am not sure what grow credit is trying to accomplish by lying about my bank account when I can also provide bank statements as well showing payments successfully being withdrawn every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report a late payments for XXXX XXXX Acct # : XXXX. Experian is reporting late payments for XXXX and XXXX of XXXX and XXXX, XXXX and XXXX of XXXX that never happened. I am not sure if Experian has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX, but the late payments that continue to be reported by XXXX XXXX are erroneous and damaging to my credit scores. This account is currently closed and has been for years when this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Experian make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Product: Payday loan, title loan, or personal loan

I recently paid off my loan with a paper check from a refinance on my mortgage. I personally mailed the check to the location in XXXX where the loan originated. I called last week to confirm receipt of payment and to verify when the overage would be mailed to me. I was informed by an individual at the store that the refund was issued on XX/XX/XXXX. I have been checking my mail to ensure that the check comes in as our mail has been tampered with in our neighborhood. As of XX/XX/XXXX, I had not yet received the check and called into the customer service number to inquire. Upon speaking with their agent, I was told the refund would be issued from the store and that they did not see any notes within the system indicating the refund had been issued. I asked that someone from the store call me on Friday to relay the information and to see if it would be possible for the overage to be direct deposited to my account as the original proceeds were done. On XX/XX/XXXX, I called back to the customer service number to inquire about the refund information again. I spoke to a female rep that explained regulations indicated I could not get a refund until 15 days had passed. I explained that regulations do not indicate that but company policies do and there was a major difference. I repeatedly asked to speak to a supervisor and was told one was busy and could call me back in 30 minutes. I explained that I had already requested a callback and did n't get one. After some back and forth and no effort to put a supervisor on the phone with me, I explained that I would file a complaint to which the agent replied to have a good day and hung up. I decided to call back and got a male agent who was much more professional. This agent actually read through the notes and mentioned that a manager at the store had indicated notes about possibly expediting the refund ; however, I would not be able to get any answers until Monday as the store is now closed and is not open on the weekend. I am quite frustrated at the lack of cohesiveness in the answers I have been provided and feel as though I am getting the run around. This is not a collateral loan, therefore, I feel as if holding an overage for that many days is not necessary. I also understand that I am responsible for this loan including any returned checks which may be presented. The overage was created from my draft which was not stopped due to pending payoff being processed and therefore the {$210.00} and change drafted out of my account is being held more than the federal reg CC guidelines of 11 days. I would like a formal response from the company in regards to the lack of training on policies and procedures given the numerous different accounts of how my refund would be handled.
Product: Debt collection

Frequent calls- all from different numbers but the call name is always SouthwestCredit. Trying to get personal information from me about a debt collection with a mobile phone company.