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

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i dont have any account balance whit sears card and in XXXX XXXX pages reflects a {$68.00} balance active.
Product: Credit reporting or other personal consumer reports

there was a letter submitted previously to my claim against Portfolio and they didnt take heed to it and violated15usc6801 " ( b ) ( 1 ) to insure the security and confidentiality of customer records and information ; '' this ensure that the safety of my well being was not met. Especially after i sent them a opt-out revocation which is in 16 CFR 313.7 ( d ) ( 5 ) ( iii ) ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having a problem with XXXX XXXX XXXX since XXXX of this year. On XX/XX/2020 I made a {$75.00} payment to my account via my bank -- XXXX. The payment was made to the wrong account. My account # is XXXX XXXX XXXX XXXX. The payment was made to XXXX XXXX XXXX XXXX. I have spoken with them twice. Once in XXXX and once in XXXX. Both times they assured me that they corrected the problem, refunded any fees or late charges, and as a result, I had a credit balance. 

I have not used the card since XXXX, yet I keep getting collections calls, my balance keeps increasing, I keep getting charged fees, the {$75.00} has never been applied to my account and now I am being reported as delinquent which has greatly affected my credit score.
Product: Debt collection

I am writing this complaint because I noticed a debt collection agency reported a tradeline to my credit reports. I was not notified of this alleged debt and was not given the opportunity to dispute the alleged debt. This agency is damaging my reputation by reporting the alleged debt to my consumer report. According to the FDCPA section 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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 : {$380.00}, XXXX XXXX Balance : {$2300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$380.00}, XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Mortgage

My husband and I were working with XXXX with Hancock Mortgage and asked if we should cancel the contract on a house we were looking to purchase because of some credit issues. XXXX told us no, do not cancel because he had the deal done after we paid a few things off, which we did EXACTLY what he told us to do. After we paid an auto loan off ( of more than XXXX $ ) he told us he had submitted our file to the VA and we had to wait on the clear to close from them. Two weeks went by, and I was asking on a daily basis if he had heard anything from the VA and he kept telling me no nothing yet. The final extension was about to expire on the contract and then out of the blue XXXX informed us and our agent, XXXX XXXX, that the file " never left the processor 's desk '' - meaning, it was stuck under some paperwork and was never submitted to the VA for approval. Because of this, he lied every single day that I or my agent asked him about the file. Each and every day he continued " he was watching the VA portal and it was still pending ''. How could it have been pending if it was never submitted? Because the seller 's agent refused to do another extension they wanted the contract canceled. My agent sent paperwork asking to release our earnest money but the seller 's refused because of the time it was off the market. Mind you, this was n't our fault. We did everything the loan officer told us to do and we were told we were waiting on the VA for the final approval to go to the closing table. So, we ended up negotiating {$350.00} split between us and the sellers. But, it is n't fair that we lost our money at all because I had asked XXXX multiple times should we just cancel within the time frame so that we would n't lose that money, we were n't in a position to lose {$700.00}! He kept promising me everything was ok ( including the real estate agent ). And, I feel that since they were the sole reason we lost the {$350.00} that they should reimburse us this amount. The mortgage company did reimburse us the appraisal fee but refused to reimburse any other fees " because that 's real estate for you ''. Yet, if they had n't lied and were n't deceitful towards us we would n't have been out any money what so ever. XXXX XXXX tried making me feel bad they he had to pay for a " rapid rescore ''. I did n't ask for the rapid rescore. My husband and I were given a very specific list of things to tackle for XXXX to approve the loan. We did EVERY SINGLE ITEM ON THIS LIST and was still lied to throughout the entire process. I want my {$350.00} that my husband and I are out.
Product: Credit card or prepaid card

I ordered an vac system from sears in XX/XX/2017 with. one year warranty when I call they say they didn't do the install yet I have paid almost 9000.00 dollars so far for the installation they keep passing me from department yet no one is the right department to handle my complaint I would like to know if they did not do the install why am I paying them XXXX dollars and XXXX on the side for an extra zone they refuse to service a system less then one year old yet im paying Citibank for an install they say they didn't do I am being scammed by sears and Citibank for a system they say they didn't install I have payed almost 9000 dollars and do not have. WORKING SYSTEM
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, I recently looked at my credit file an notice some inquiries that I never authorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX. XXXX : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Core logic XXXX. I submitted an Ftc report notifying credit bureaus of unauthorized inquiries. I didn't give permission to run my credit is a violation of the FCRA and want these removed immediately. each violation will be XXXX each
Product: Checking or savings account

I noticed my American Express account was limited after trying to transfer my money I was paid via check for a side job to my external checking account because I needed the money to use not to save. The external transfer didnt go through and then I called the bank and they asked me to verify my identity which I did. Took over XXXX mins on the phone. They said I was verified then told me they wanted to close my account but couldnt return my funds to me. I told them they are legally obligated to return my funds from my available balance and they could not state a reason as to why they couldnt but said there was nothing they could do.
Product: Money transfer, virtual currency, or money service

I received at 1099 from Cash App for funds received in XXXX I do not have a Cash App account. This is a fraudulent account that was started in my name/SSN. I did not receive the funds, and no funds were taken from me, but the 1099 shows income that I would have to pay taxes on.
Product: Debt collection

A payment that was made on XX/XX/2019 was returned due to insufficient funds. I called AES after I realized that there wouldn't be enough funds to cover the outstanding balance and assured the representative on the phone that the entire outstanding balance due would be paid in full by XX/XX/2019. A few days after this, AES sent letters that said they were going to garnish wages, report the delinquency to the credit bureaus and force the account over to the guarantor. All of this after I had given them an exact date of when it would be paid. 

I don't appreciate the constant threats from AES and there are a group of other people who feel the same way. My attorney is currently reviewing this because I feel this falls into the category of criminal behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$1700.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This line item reports the Ownership as Joint '' and/or " Co-Signer. '' I did not sign any documentation for a lease term of any time frame with XXXX XXXX XXXX XXXX. This account does not belong to me and this incorrect reporting of a collection is harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANS UNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNT THAT DO NOT BELONG TO ME THERE IS A ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1XXXX 2.XXXX XXXX 3XXXX XXXX 4.XXXX XXXX 5XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELEY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting late payments on my XXXX account that has a {$0.00} balance and {$0.00} past due. This incorrect information is harming my credit score. I have disputed this directly with Equifax and XXXX and still this issue has not been resolved. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Credit card

Used Priceline Visa # XXXX XXXX XXXX XXXX back in XX/XX/2022. Was overcharged on XXXX hotel stay for {$250.00} at XXXX, XXXX XXXX in XX/XX/2022. + Was charged a no show fee from Uber when the driver never showed up, & a {$9.00} monthly fee since then, XX/XX/2022 which is outright FRAUD. I've called Barclay 's Bank, # XXXX and XXXX numerous times ; only to get an offshore rep in the XXXX with total miscommunication and Bad Accent. Can not go through this again, I get nowhere with them. Wrote letters 4X since XX/XX/2022. Just got some response saying these have to be reported within 2 statements or nothing can be done??? Very upset, & overwhelmed by this. Please help.
Product: Money transfer, virtual currency, or money service

Using Zelle and hadnt the correct warnings when using
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : THESE NAMES DOMNOT BELONG TO ME Names 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 Addresses THESE ADDRESSES DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX, NY XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXAPARTMENT COMPLEX XXXX XXXX XXXX # XXXX  XXXX XXXX, FL XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXXMULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXXMULTIFAMILY XXXX XXXX XXXX XXXX, FL XXXXMULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXAPARTMENT COMPLEX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC  # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

I was activated with the XXXX XXXX XXXX in XX/XX/XXXX for COVID-19 pandemic. When I completed my service, I needed to update my XXXX rating with the county tax board. While I awaited confirmation from the county, BOK Financial paid the taxes that were eventually exempted. BOK added the tax amount to my account and an escrow that increased my payments, even thought the county exempted my taxes. Since XX/XX/XXXX, BOK has added multiple fees and overcharges to my account totaling over {$13000.00}, issued multiple negative reports to my credit and have since issued a notice of foreclosure to my residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, American Express decided to close my credit card giving a phone call to notify me about the action. The same day or couple of days after ( they can verify in their system ) I paid off my balance. I was living in XXXX  back in that year. 

After a month or so, collections called saying I had a pending balance of 6.00 that needed to be paid asap. That was, if I remember correctly, the interest accrued for the previous month. I paid the balance in full. Since then, those 6.00 have Ben hitting my credit as pending balance. Every time I have tried to open a new credit card or even buying a house, that bad report pops up. 

When reaching out to customer service ( 5 times already ) they said there was a mistake and that they can see the balance has been paid and that the pending balance notice should be cleared in the next 60 days. Then again is showing, same explanation- at this point I cant remember my credit card number so it takes forever to locate the account - then they say yes, it will get fix etc, and then they transfer the phone call to another 3 agents just to verify the information is correct and that the case has been solved. At this point Im reaching 1.5 hours over the phone with American Express and a call center with XXXX XXXX XXXX XXXX XXXX XXXX ) is contacted telling us they cant find any of the information Ive been discussing with previous agents. Its outrageous. Its XXXX already and when buying my new house, Im still dealing with this. The only step to follow is a law suit I guess, just because no one could fix a balance of 6.00 that got paid already, but the system for some reason is not clearing it. I have offered several times to repay the famous balance, but they keep telling me it got paid already.
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 ''. I've already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Debt collection

Hello, My name is XXXX XXXX XXXX & I have received numerous of calls from ( Mercantile Adjustment Bureau ). I requested for them to cease & desist all calls to my personal cell # ( XXXX ) XXXX. By the FDCPA a request of no calls on a cell phone is either verbal or written. I verbally made it very clear never ever to call my cell phone # ( XXXX ) XXXX 3 months ago. As of today XXXX/XXXX/2016 at exactly at XXXX I received another call from ( Mercantile Adjustment Bureau ) at XXXX. As I made it clear & stated again never ever to call my cell do to my minutes & a inconvenience to me & my time & they persist to keep calling my cell. I am very furious & presenting a complaint & would like to proceed the extent of a Law Suite on the company. Please provide me with this assistance? I have proof of call log on my cell phone time stamped.
Product: Credit reporting or other personal consumer reports

It's been over 90 days since i sent the letters to the credit burau I waited more then 30 days i have not receive anything from them when i check my credit report the errors are still in there inconsistency. XXXX XXXX XXXX # XXXX has been removed from XXXX and XXXX but still show on Experian. XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank Delaware is incorrectly reporting information on my credit reports. I have attempted multiple times over the past four years to correct this information with no luck. I will list below the negative information that is being reported on my credit reports with images from the credit bureaus to show what I am describing. 
Barclays is reporting an available credit limit on a closed account which hurts my credit score. They are also reporting new negative monthly payment information on an account that has been closed for four years. 
On the XXXX report, Barclays account is reported as being charged off on XX/XX/XXXX. However, they reported a 120 day late payment for the following four months after the account was already closed. They are continuing to report new negative monthly payment information on this account. Barclays is also reporting on XXXX a credit limit of {$10000.00} from XX/XX/XXXX to XX/XX/XXXX when the account was closed in XXXX. 
On XXXX Barclays reports being closed on XX/XX/XXXX which differs from what they report on XXXX. However the payment history reports the following four months after the account was closed as 120 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my credit report and I noticed that I had several negative items. These accounts are inaccurate.
Product: Credit reporting or other personal consumer reports

I do not recognize the negative accounts appearing on my credit.