23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have informed " XXXX / XXXX XXXX '' on several occasions and complained that they have been reporting an old closed account status incorrectly on my credit report for over 2 years, and they are still refusing to remove the inaccurate account data information from my credit reports. 

The incorrect account data information is showing on XXXX, Equifax, and XXXX credit reports : 1. ) Last Activity - ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) 2. ) Remarks - ( only one report states, Closed. ) 3. ) Month 's Reviewed - ( 0, 0, and also 7 ) 4. ) Terms Count - ( 0, 0, and also {$13.00} ) 5. ) Term Source Type ( states either nothing or Provided. ) 6. ) High Credit ( either {$0.00} or {$620.00} ) 7. ) Current Payment Status ( Late 60, Late 90, or As Agreed ) 8. ) Payment history ( Youve made 20 % of payments for this account on time, Youve made 92 % of payments for this account on time, or Youve made 43 % of payments for this account on time. ) On the telephone, the company agreed to remove this inaccurate account once I paid their {$620.00} balance owed in full in XX/XX/XXXX, but they violated this verbal agreement and ignored my request ( s ). Under the Fair Credit Reporting Act - ( FCRA ) of 15 U.S. Code 1681i - Procedure, in case of disputed accuracy, the credit bureau must follow this law and procedure, and if inaccurate information is found, it must be removed or deleted. If this is not done, then they can face potential personal lawsuit ( s ) and federal fine ( s ). Please help me rectify/resolve this account 's inaccuracies. 

The company 's unwillingness to remove this inaccurate account, which they are continuing to report inaccurately to the credit bureau and willfully ignoring the law related to the unverifiable, incomplete, and inaccurate information of this account, must be dealt with immediately, and the inaccurate account must be removed or deleted.
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. 
List the account name here with the account # ( Do not list over XXXX accounts and XXXX inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written consent.
Product: Credit card or prepaid card

I had a credit card issued by Bank of America for 6+ years. I always paid on time, was never late or delinquent. Never had any problems. All of a sudden and without any prior notice the bank closed my account. They sent me a letter a week after the fact.
Product: Debt collection

Hello, My name is XXXX XXXX, my address is XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Tx. XXXX.My phone number is XXXX. I currently am trying to release my co-signer XXXX XXXX XXXX. My co-signer is my brother who is currently in the process of requesting loans for his daughter to begin her 1st semester of college. I was denied the ability to re-lease him according to something appearing in my credit report. I have 11 years of diligently paying my loans on time and holding a full time job.I submitted all the pay stubs necessary and the application. I have thoroughly checked my credit score and it is a XXXX. I have no derogatory claims open. I have called people in the co-signer release dept and none of the representatives were able to resolve my questions as to why i 'm being denied. Nobody could even direct me to a dept administrator to  challenge the judgement within Navient. I need my brother XXXX XXXX XXXX released by XXXX XXXX, 2017. My brother needed his credit freed up to apply on behalf of his daughter 's future education. I 'm asking for fairness to be applied to this scenario. I do n't believe I 'm being treated ethically. I believe the way i 'm being treated is illegal. I have completed the mandatory requirements as outlined in the application process. I have read that Navient is encountering lawsuits specifically with regards to this issue of co-signers being denied release. They explained my brother would be on the loan for the lifetime of the loan. Despite me legally abiding by their requirements. I really want to this issue resolved in an expeditious manner. I do n't want to seek legal avenues. I want to believe Navient is capable of doing the morally right action and releasing my brother XXXX XXXX XXXX. Can you please advocate on my behalf to get my brother released? 
Best, XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX sent a payment by mistake ( on my behalf ) to Barclays XXXX XXXX in the amount of {$6700.00}, I do not currently have an account with Barclays Bank. Barclays XXXX cashed the check through their bankXXXX  XXXX XXXX XX/XX/21 and did not return the check to XXXX XXXX XXXX XXXX The cashed check has not been applied to any accounts in my name or any other name. 
My bank has repeatedly called Barclays XXXX XXXX and requested return of the funds and have been repeatedly been told they do not have a record of the payment. I have been making attempts to resolve this matter without success. 
Barclays Bank has {$6700.00} unreported, and I am currently responsible for paying back this debt for which I did not incur.
Product: Credit reporting or other personal consumer reports

I received my credit report from XXXX and Experian and noticed a charged-off account by XXXX  account number XXXX I don't recognize this lender or account please remove the account immediately. by the provisions of the Fair Credit Reporting Act. I demand that the accounts and inquiries be removed. I understand under 15 USC sec 1681i ( a ) you must complete a reinvestigation with notice of this dispute. i also understand under 15 USC sec 1681c2 ( a ) a crediting reporting agency shall and must block and remove any information from my credit report that's considered fraud or identity theft. Reporting information with knowledge of error is against my rights. 15 USC 1681s-2 ( a ) 1B. This account was proven in XXXX XXXX XXXX that this account doesn't belong to me please remove this account
Product: Debt collection

My latest credit report has several accounts that appear to be fraudulent. I request an immediate block and removal of these unauthorized entries.
Product: Money transfer, virtual currency, or money service

I am so disappointed I tried to send money it wasnt working Im losing my mind up in here tryna pay my XXXX bills I got ta sent it to these people feel me idk what else to do
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Personal Information Employers : XXXX  Previous Address ( es ) : XXXX XXXX XXXX, CA XXXX XX/XX/year> Previous Address ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX ( es ) XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and saw the following inquires from the following companies that i did not authorize. 
XXXX XXXX XX/XX/2022 ( XXXX ) ( XXXX  XXXX XXXX Universal credit XX/XX/2022. XX/XX/2022 ( XXXX ) ( XXXX XXXX ) ( XXXX ) Xactus  XX/XX/2022 XX/XX/2022 ( XXXX ) XXXX XX/XX/2022. ( XXXX )
Product: Credit reporting or other personal consumer reports

I sent a dispute about late payments. Asked for them to send all information that proved my late payments were verified. Disputed the XXXX nothing was provided to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hacked on my laptop on XX/XX/XXXX in 2020. This was right before the Covid-19 pandemic started to get very serious in the XXXX. All my credit cards and accounts were compromised and I needed to cancel them all. I had no safe internet source to use so I had to depend on my landline that wasn't completely safe, as it is tied in with my XXXX  and is a cordless phone. I called all my card companies and Target XXXX XXXX XXXX was the only one that did have a charge on it of XXXX that was not authorized by me and I am the only person who holds a card in my name. We live 200 miles from the nearest Target store, and nothing was ordered. They said a form would be sent to me to explain the fraudulent activity new cards with new numbers would be sent. I got the form, filled it out in detail, and sent it back per their request. I got the new cards, but when I tried using them several months later, for a couple of gift cards online, they would not process. I tried the activation process again with the card and it seemed to process, but the card could not be used. I had a zero balance on the account, as I used the card rarely anyway. I didn't worry much about it, since I use my Debit card for most things. In XX/XX/2020, my handbag was taken from my car, and the new Target card was taken. I couldn't believe it. So I called and canceled the current one and ordered a replacement. It was automated so I didn't get to talk to anyone about not being able to use the card. I tried several more times after I received the new card to activate it, and it was not working. I called the customer service number and each time I called, it would get me an automated person, and when I gave my credentials it would say i needed to hold the line for a representative. Each time I called and did this, which was about a half dozen times, I would be on hold and eventually be cut off and the phone would go dead. It's like my account has been flagged, but if so, I need to know what the issue is and get it straightened out. I have done absolutely nothing wrong and now the biggest issue I have is, my XXXX  Credit score has dropped XXXX points because Target without warning, dropped my credit limit from XXXX to XXXX. That is the kiss of XXXX  on a credit score and my credit score is impeccable and I have not been late nor missed a payment in 25 years on anything. I get my credit limit raised, I do not get it decreased. I don ' t care if I ever use the Target account again and would just close it if it didn't jeopardize my credit score, but I will not stand for a XXXX point drop in my score because of a company not responding to my calls and emails. Please please see if you can be an advocate and get Target to contact me and get this settled. I had the same issue with XXXX. It took six months and two months of an incorrect poor credit score and the FTC to fix it. 
Thanks, XXXX XXXX
Product: Mortgage

I fell behind in my payment and currently owe 2 months of payments and late fees, but the mortgage company has made it impossible to make my payment either online or by phone unless I pay the total amount I am behind. This is making it difficult to keep from falling further behind as I must now mail a check for one month 's payment. They also will not record the amount of the payment I am sending in unless it is the full amount which is causing me to incur further late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two hard inquiries listed on my credit report that I have no knowledge of from Lendmark Financial on the dates of XX/XX/2021 and XX/XX/2021. I never gave consent to this company nor do I know of this company to give access to my personal information. I have never given written consent nor signed off on anything that has to do with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have suffered from identity theft incident. The problem was found back in 2019, and I have been working with the credit reporting agencies to remove all accounts that were involved with the crime. I have submitted FTC identity theft report and police report to support my stand, but the XXXX XXXX XXXX XXXX XXXX is not removing one fraudulent account from Wells Fargo. 
XXXX and XXXX found this account to be fraudulent, so they have removed and block the fraudulent account from Wells Fargo. 
Unfortunately, XXXX XXXX is ignoring my statement of me falling into identity theft crime and my supporting documents. 
Also, I have requested following documents from the creditors and the credit reporting agencies, and they have never provided me such documents. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account They are violating FCRA and FDCPA by reporting an account that was never properly validated and verified. I have not received any of documents that I have requested.
Product: Debt collection

I had submitted a disputed and they did not send out verification they had had obtain the debt correctly
Product: Debt collection

I recently check my credit report and notice a collection from HOLLOWAY CREDIT SOLUTION, LLC reporting a alleged debt of {$250.00} on my credit report that i do not owe.I submitted them a letter on XX/XX/2021 disputing the validity of the alleged debt and medical documentation from them, and as of today i have not received them.I also attached you a copy below of the letter.
Product: Credit card

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these acounts from my report, they are hunting my ability to obtain credit. The are third pary and do not belong to me. Thanks for looking into this.
Product: Credit reporting or other personal consumer reports

My other dispute has locked my credit report when I called I was hung up by your automated phone system. I need a copy of my recent report right away per the letter I received from TransUnion that says I need to itemize each dispute, I was mailed 1 form no return postage and no copy of my credit report. This is holding up my credit
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.

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

My credit report is showing both a dismissed XXXX  XXXX Bankruptcy and a discharged XXXX XXXX  Bankruptcy. I have disputed these items several times over the last 9 months but the bureaus continue to respond ITEM VERIFIED to the disputes I've submitted. This is extremely confusing to me because the Bankruptcy court respond to my inquiry to them by stating that they do not report or verify any information to or with the credit bureaus. When receiving notification from the credit bureaus that they verified the information electronically via XXXX XXXX I contacted them. They sent me a notice stating that the information was removed and recommended that I contact Equifax, XXXX and XXXX to inform them. Nevertheless, with the courts stating that they do not provide any information publicly that includes my social security number or other personal information, I don't understand how the bureaus are claiming that they verified the information. This is a direct violation of the FCRA and must be addressed. These inaccurate and unverifiable public records must be removed from my reports immediately as they are extremely damaging to my file and my well being.
Product: Mortgage

My name is XXXX XXXX. I had applied to refinance my mortgage with my cousin who owns a mortgage brokerage. While I was submitting my mortgage application I was answering some basic question via text with my Loan Officer. A few minutes after my credit was pulled I received a phone call from XXXX XXXX at Amerisave XXXX XXXX. XXXX introduced himself and said he was following on my application that was sent to him. He lead me to believe that he was working with my mortgage broker and said he just needed to verify my information. He ended up taking a full loan application, pulled my credit. I gave him my credit card information and he charged my card XXXX for an application fee. My mortgage broker called me a few minutes later to verify some of the same information then I realized I was tricked into submitting an application with Amerisave. I quickly called them to have them withdraw my application and requested a refund. They refused to refund my money. I asked to speak to a manager and they were very aggressive with me on the phone about trying to get me to switch. Their closing costs were XXXX more than I had previously locked in with my broker. Their practice is very deceptive and misleading..
Product: Debt collection

1-Debt collector agreed to send a settlement agreement letter but refused to do so until agreed upon amount was paid. 
2-After paying agreed upon amount debt collector sent an email requiring me to give additional information in order to see the email. 
3-collection agency has refused to send me confirmation the debt has been satisfied.
Product: Debt collection

I reciently ask the company of proof of amount of the debt i still owe because the company sent me a letter with amount and wrong name and identification number that is not mine i asked for proof and have yet to recieve anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nellnet keeps reporting accounts that are too old to report according to fair credit act
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Inquiries on my credit file that I have not sign or agreed on promotional inquires and regular inquires. 

Wrong information I have Inquiries Such as promotional Inquiries and other Inquires on my credit file with out my permission and wrong information.
Product: Credit reporting or other personal consumer reports

I Called Truist Bank Customer Service From the Number XXXX Provided on the ( XX/XX/year> ) About The Fraudulent Credit report inquiry, Truist responded saying they were unaware
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE THIRD TIME I HAVE FILED A COMPLAINT OVER ACCOUNT THAT WERE OPENED IN MY NAME. SOMEONE HAS BEEN USING MY NAME AND ID SS CARD TO OPEN UP ACCOUNTS FOR CREDIT I HAVE NOT PHYSICALLY LIVED AT XXXX XXXX XXXX XXXX  OH XXXX FOR OVER 5 YEARS. I AM NOT SURE WHO WAS USING MY CREDENTIALS
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 tak timely and effective measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Certified Letter to SYNERPRISE CONSULTING See Attached Letter Cert # XXXX XXXX XXXX XXXX XXXX I requested Validation of Debt in accordance with the law and formally disputed their claim. They DID NOT RESPOND, DID NOT CEASE AND DESIST AND DID NOT REMOVE THE ACCOUNT. 
In accordance with the Fair Credit Reporting Act. 
The above Account has violated my Rights Everything has to be 100 % accurate on my Credit Report.

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 
I submitted a complaint with the XXXX and the Attorney Generals Office. These Collection Agency is volating my rights and costing me dearly.