23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Continuously receiving emails from a collection company January after told to stop. Every time XXXX dispute debt start marking reporting multiple current months of late payments which continues to hurt my credit score especially as Ive been working to better it. Refuses to remove negative tradelines or delete with explanation I reported ; I have a XXXX XXXX child that required XXXX XXXX XXXX  and I was unable to provide payments to my credit card balances. It was out of my control and Ive since been working to resolve theses issues. Due to repeated attempts and wrongful credit reporting I have been denied and unable to finance XXXX  XXXX  my child needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report from Equifax, XXXX, XXXX, there were multiple inquiries I did not authorize. I believe someone used my information and attempted to apply for credit with these companies. I have challenged these inquiries with the credit bureaus and they have come back erroneously verified from the following companies XXXX, XXXX XXXX XXXX, and Equifax Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses being reported on the consumer report is fraud and does not belong to the consumer. These addresses are shown to be connected to accounts the consumer is unaware of and did not authorize. It is against consumer rights to be reporting false information on a credit report. It has caused many problems and many denial of credit. XXXX, Transunion, and XXXX have been contacted 3 times and no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate.

1. Remove this account for inaccurate reporting because the date of the last payment is missing. Since you have of not reported the date of the last payment it messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported XXXX  Account Number : XXXX Please Submit onto XXXX  form and please Delete under section 1681s ( 2 ) ( b ).

They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Credit reporting or other personal consumer reports

I recently discovered that my personal informationincluding my full name, Social Security number, and date of birthwas exposed in multiple data breaches. As a result, I have been experiencing ongoing fraud issues, including unauthorized activity on my credit report, frequent fraud alerts, and repeated account freezes. I do not recognize several accounts, inquiries, and other transactions reported in my credit history. I have not authorized any new credit applications, yet my credit file has been accessed multiple times. I have taken steps to protect myself by freezing my credit and placing fraud alerts, but the fraudulent activity continues. I have placed fraud alerts on my credit reports. I have frozen my credit to prevent unauthorized access. I have attempted to dispute unknown accounts directly with the credit bureaus, but the process has been challenging without direct documentation. I am reporting this issue to the CFPB because I need assistance in ensuring that fraudulent accounts and inquiries are removed from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I got a number off XXXX for Cash App, they were not cash app, they were pretending to be cash app. As soon as the call was over, I realized I had been scammed, I contacted cash app by message in the their app, they told me their was nothing they could do all the transactions had been completed, XXXX message them, I called them dozens of times. They continue tell me authorized the transcations. They never did anything to help me recover my money, they didn't investigate the matter. I have phone records and the search from when I got the fake number.I wasn't never able to speak to anyone who could liste to me, I was always told that information would be available to me after the investigation was over.which no information was available to me.The scammers sent money to a bank., I called the bank, they said cash app was suppose to dispute it with them. I was scammed out of {$11000.00}. On XX/XX/XXXX I received my statement from cash app, I went through the statement and their was {$15000.00} in completed charges, I didn't know that until that day. I didn't have that much money in my acct, I didn't understand how their could be {$15000.00} incompleted charges when I never had that much money for them to take. My acct never said negative. It says {$1.00} available.I don't understand how I could be scammed out of that much money and not be able to speak to someone who has answers, this is unacceptable. There is a federal law I read about called regulation XXXX, that's suppose to protect consumers from this type of problem.I have documents, phone records, and records from XXXX search as evidence of what happened to me.I hope someone can look into this further to help me recoop my money back..I 'm really having a hard time understanding this situation but I know there is laws to help consumers like me.
Product: Vehicle loan or lease

Experian Violated the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions.

15 U.S.C 609 CRA verified the accurate of information provides by the creditor Pelican State Credit 173031 Under the Fair Credit Reporting Act 15 U.S.C 1681 Section 604 A Section 2 and 15 U.S.C 1681 section 602 A. - The accounts shall be removed/deleted immediately until they receive my written instructions.

Pel
Product: Credit reporting or other personal consumer reports

I have sent this company numerous letters and spoke with a rep to have the account removed due to the pay to delete agreement we made. The collection company has removed the negative remarks from my credit report but Celtic bank fails to uphold their agreement or respond to the certified letters/ requests Ive sent over to their company. This has been going on now for over a year and yet they fail to removed the account from my report.
Product: Checking or savings account

In XX/XX/XXXX I was awarded XXXX ( Ill attach the paper ) like many my edd was frauded I won the money n in XXXX when the state tried changing things anyone who made a fraud claim I guess got there charges added while they did identity checks I called XXXX they said I was a real case n my account was valid they said b of a had to put the money back .... after weeks of b of a saying XXXX has to pay u they finally said yes we need to XXXX open ur claim n take them off weeks go by n Im told my case is being worked on then XX/XX/XXXX when I was told XXXX XXXX my money they said they might not re open it.. I already won it I was negative XXXX missed payments of XXXX XXXX XXXX XXXX its finally back positive XXXX Im XXXX in the hole Ive lost my bank account bc had to over draw it my family wont talk to me bc I have to borrow money there killing me.. I need help they give me the run around n this is a claim I already won .. pls help me Im on the streets bc this its not right
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 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 XXXXXXXX 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 : 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

XXXX/XXXX/2017 I disputed some items on my credit report. I asked all three credit bureaus to verify the information, asking for a contract showing my signature as well as an accurate date of last activity. I have received no such information only all three saying it was verified.
Product: Credit card or prepaid card

The company did not indicate that they would close the card in the XXXX of 2017. As per the cardmember agreement the card is subject to being closed after 90 days of missed payments. In this particular case, my vehicle for work was damaged and I was not able to produce an income to sustain the card payments and as a result I suffered a financial hardship. In addition, closing this credit card which I had for 15 years damaged my credit score on so many levels that it brought my score from excellent to poor in a matter of less than a year. This is my biggest line of credit and its a drain on me financially. I asked the company several times to reinstate the card on the grounds that I was misled and misinformed as to how severe these repercussions would be, also there was nothing communicated to me via email, standard mail, or text message that would have prepared me for a closure of my biggest line of credit and the problems compounded from there.
Product: Debt collection

Opened on XX/XX/2017. Amount owed is {$1400.00}. XXXX XXXX XXXX. I have not been provided service from this company. I have signed no contracts with this company. I am not nor have I ever been affiliated with this company. I am under zero legal obligation to this company. This company is demanding I owe them {$1400.00}. This company is infringing on my unaliable rights to life, liberty and the pursuit of happiness. I have submitted multiple disputes to this company through credit karma that I am not under any obligation to pay this company. This company is illegally demanding payment.
Product: Debt collection

I contacted Midland Funding within 5 days of receiving a call from them stating I owed a debt to them. The letter was sent certified. In the letter I requested debt validation and proof that I owe them a debt. They have failed to provide the information I requested and continue to report negative info on my credit report. The amount they are trying to collect - allegedly from the original creditor is incorrect. I returned items to the original creditor and they did not update the amount of the debt owed. 
Midland Funding has no contract with me- not verbally or in writing. 

This is my second time complaining to this agency about Midland Funding! My next remedy is to seek the assistance of a lawyer!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports ( all 3 ) show a collection amount of {$1000.00} held by ProCollect. I contacted XXXX to tell them the account was not in my name, but in my daughters name. They investigated and said status remained the same. Since then my daughter received a letter from ProCollect offering to settle the account in full for {$320.00}. My daughter paid the full amount requested in the letter but the account still remains on my credit report.
Product: Credit reporting

In 2015 I reported that I was having a problem with the XXXX major credit reporting agencies. I have recently found out that a settlement was issued. I like to know if I was a part of this settlement and if not why. Here are the reports I submitted to you agency. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had a total of four different times. Some one is trying to use my former divorced name and address and phone number and social security number from 12 years ago. They have applied for XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 2 times XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. 
They have showing up on my credit reports as hard inquirers. I have called and had them removed. But found some one is still trying to use my former name and information.
Product: Debt collection

I let Speedy Cash know that I am in a hardship situation at the moment and I can not afford the payment at the moment. They keep trying to take different amounts of money out of my personal bank account almost everyday until I had to finally block them. I do not have any money in the account and XXXX XXXX XXXX keeps charging me {$35.00} NFS fee each time they continue to do this. Then they continue to calling me and harrrassing me every day while I'm trying to work. I don't know what else to do about this horrific situation and it's affecting my work performance and making my supervisor annoyed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX PM # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : RESIDENT VERIFY XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian credit bureau and XXXX XXXX credit bureau is reporting inaccurate credit information pertaining to XXXX accounts XXXX XXXX in the amount of XXXX this is not my account. XXXX, XXXX XXXX XXXX this is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seven years ago, I had a single, protracted, but continuous delinquency event with a XXXX XXXX XXXXXXXX mortgage that was opened in XX/XX/XXXX. The delinquency began in XX/XX/XXXX and ended in XX/XX/XXXX. That account was subsequently closed and transferred to another lender in XXXX. 
Over the last 7 years, this delinquency has been reported as described above on all three credit reporting agency files, however, 4-5 months ago XXXX XXXX chose to remove the account status reporting for this account only, for the period XXXX through XXXX of XXXX. This makes it appear that this delinquency commenced in XX/XX/XXXX, and thus eligible for removal in XX/XX/XXXX. Equifax has subsequently taken the same action 2 months ago. 
However, it is clear that this reporting is inaccurate, since their own records show the status of the account in XX/XX/XXXX, was already at the maximum 120 day late status. 
The FCRA rules require that this delinquency be treated as a single continuous event, and thus should be removed from my credit report, seven years after the commencement of the delinquency, which would be XXXX or latest XX/XX/XXXX. It should therefore have been removed from the report in XXXX or XX/XX/XXXX. 
I have repeatedly contacted both credit reporting agencies as well as XXXX XXXX XXXXXXXX on this error, but have been unsuccessful in getting them to correct it. 

XXXX XXXX XXXXXXXX claims that they are accurately reporting the account status, while XXXX XXXX is stating that XX/XX/XXXX is the first notification of delinquency that they received on the account from the lender. Yet earlier versions of the credit report clearly show the delinquency being reported in XXXX through XXXX of XXXX.
Product: Debt collection

After sitting on hold for over an hour, i told this faux hospital i have never been to the Carolinas let alone went to the hospital there. They sent me some long impossible to read and fill out form to prove they never treated someone who lives on the west coast and i wish i had the funds to sue these jerks.
Product: Checking or savings account

I opened an account with Regions online on XX/XX/2022. I had a direct deposit sent to my account on XX/XX/2022 in the amount of {$1600.00} from a installment loan company that works with my job ( XXXX XXXX XXXX XXXX  ) and it was pending in the account. On XX/XX/2022 the deposit completely disappeared so I called the XXXX branch because the one in XXXX fl was closed. They told me to call customer service because they couldnt see any deposits or anything on my account and customer service could see more of my account information. So I call the customer service number and the associate I spoke with was very dismissive even implying that I was lieing about the deposit altogether and she said that I needed to go into a branch and that the branch can see more info than them. So I drive 45 mins to the branch in XXXX. Show the associate the text message I received saying that the deposit was made to my account and he told me that my account was closed because I didnt pass the screening process and that the direct deposit was rejected for that reason. XX/XX/2022 I received an email from regions saying that I need to fund my account. So I contact regions asking how can I fund a closed account and I am told that my account is still open. So I called the loan company and they said they were told by regions that the account was open but it was frozen. Now i am being denied for the loan and its all because of regions and their lies and negligence. My first and last time banking with regions
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a email that my social and Drivers license was exposed to a security breech with XXXX XX/XX/2021 ( I just switched phone companies because of this ) the same week I received a email from XXXX that my information was found on a Dark web. Someone is using my identity to apply for credit. I have several inquires that i didnt make on XXXX XXXX XXXX XXXX and XXXX
Product: Debt collection

This is a follow up to a previous complaint XXXX. I recently received a summons about this PayPal debt that I have said all along is not mine. Apparently someone started a PayPal credit card at an address in Iowa where I have not lived in 20 years. It appears to be a result of identity theft, though I see that PayPal Credit has a history of heavy handed debt collection tactics, getting consumers to sign up for credit unknowingly and without their consent, and similar tactics. I contacted PayPal Credit customer service and started an investigation into the identity theft. My reason for contacting CFPB is just to alert the authorities about this situation to keep everything above board. Attached is a copy of my reply to the summons I received and submitted to the clerk of court, as well as the article I found about CFPB taking action against PayPal Credit under suspiciously similar circumstances to what I am currently facing.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I sent a payment to a receiver who had changed there cash app name and phone number. After confirming that the payment was never received, I reached out to the support group for cash app. I explained that the receiver has a new cash app name and phone number and also no longer has access to the phone number associated with the old cash app account. I was then advised to have the receiver send a personal email regarding not receiving the payment this was done on XX/XX/2020. The support group associates XXXX and XXXX have emailed me numerous times saying they closed my case and can not provide assistance. I explained that I use the funds to get back and forth to work by using XXXX and because of lost funds I have missed days of pay. Please assist me with me moving to the funds to the receivers active account or refunding the payment back to me. We are aware that the payment was received but it can not be accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Great Lakes is incorrectly reporting missed payments, contrary to the Cares Act, passed in response to Covid-19. My credit score has dropped drastically, at no fault of my own, effecting my ability to conduct business during a pandemic.
Product: Debt collection

I have been dealing with fraudulent late charges and fraudulent charges from Kohl 's department store since XX/XX/XXXX. They have admitted their wrongdoing in the form of repayment checks ( amount usually only a little over 10 dollars. ) My issue is tha5t i had to close my account the first time this happened. and it took me over 4 months of being utterly harassed by Kohl 's for debts i did n't owe. It would be a lot easier if i could just mail someone at CFPB all of the documents. i saved every single last bill. I have been a loyal customer of Kohl 's for almost a decade, and i have ALWAYS paid my bills in full, every time. There was a huge mix up where Kohl 's tried to place a fraudulent online charge on my account back in XX/XX/XXXX. This charge led to other late charges being put on my account. when it came try to get this issue rectified, Kohl 's took over 4 months to get me to a supervisor. As soon as i spoke with XXXX XXXX ( Kohl 's debt center supervisor ) ( phone number- XXXX ) he admitted the wrongdoing and i was reimbursed for the wrongful charges and my account was closed. i decided to open another account in XX/XX/XXXX because, well, i loved shopping at Kohl 's because they have a great selection. However, after i made a purchase in XX/XX/XXXX, and then paid it off as soon as that bill came, i started getting the harassing phone calls again stating that i owed late fees and such. I have spoken over 20 times with the supervisor XXXX, to which he has admitted the wrongdoing on Kohl 's part. However, these fraudulent late charges that they are placing on people 's accounts is FRAUD! Starting in XX/XX/XXXX, i started getting late charges on my monthly statements again, even though i Had n't Stepped foot inside of a Kohl 's since XX/XX/XXXX. Just this month, i have received : two separate account statements, both claiming I owe a different amounts, another bill statement claiming i owed XXXX, and a reimbursement check for XXXX. however, Kohl 's still calls me 6-8 times a day demanding i pay my debt. a debt that according to my billing statement is non-existent. i have left several message for teh supervisors regarding the issues that started again in XX/XX/XXXX of this year, but have n't heard back yet. so filing a complaint with CFPB is my last resort