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

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company numerous times and I haven't gotten any response. They are violating my right. I never had any services from this company. 

15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any6 purpose.
Product: Credit card or prepaid card

To Whom this may concern, In XX/XX/2023 I made a purchase with a merchant using Sezzle. Once I received my order, I noticed that I was missing merchandise. I reached out to the merchant and did not get a response. After some time had passed I reached out to XXXX and let them know what was going on. The representative at the time was very rude and unhelpful and told me it was nothing they could do and that I needed to reach out to the merchant. After going back and forth with not getting responses and help from the merchant and Sezzel, I contacted my bank. It was only when my bank got involved and did a chargeback for the missing merchandise, a total of {$130.00}, that Sezzel decided to assist me with the dispute and contact the merchant on my behalf, to get an update on said purchase. The merchant finally got in touch with me and sent me my merchandise. Once I received my products, I contacted the bank to cancel the chargeback. They explained that canceling the dispute process could take several weeks. While I am waiting on the bank to reimburse Sezzel, I paid the balance that the bank charged back so that I can continue using services with Sezzel and that they can reimburse me later. I had been using my account and paying off on time with no problem since then. After logging in to my account to use Sezzel over the weekend, I found out that in retaliation for my filing a dispute with the bank, they closed and suspend my account. I can not get an agent on the phone or via email to provide a valid explanation, instead, I keep getting an email that states " Based on your previous performance with us we can not extend you service. '' What performance?! The last I checked, Sezzel has been paid on time! Had the representative assisted me in the beginning, instead of being dismissive, I would not have had to contact my financial institution for resolution! I can not get a manager or supervisor on the phone or to respond to my email.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXXcredit reports conducted changes to increase my credit scores. also made on credit. In credit reports it shows change time nor when company will conduct another .report. It should. BE CHANGE. On credit reporting. While I'm makin on. time .payment a date i recorded suppose to change by increasing scores What l have noticed my credit scores ranged remain same. Doesn't change. The range? while maken on time payments.. I have noticed. company is getting away with reporting in correctly for over 1 yrs. .credit scores decrease for over 1 year. XXXX XXXX XXXX  XXXX XXXX. is Paid on on time why it shows error made on the final last payment. .this XXXX  account. XXXX XXXX XXXX payed auto off. Listed as bein. ) Totaled. ) I decided to keep the XXXX XXXX  access. Requests they Seattlement We paid the account off. I'm still not bein graded correctly Showin passed 30 day payment. Reported incorrect. XXXX XXXX XXXX My records purchaser documents shows no late payments listed anywere. This account being reported 2 years inaccurate L have been disputed. For 1 year. Account doesn't show any problems until. Final last date of payment?
Product: Debt collection

I am resubmitting this complaint because it seems that reading the response from the previous complaint I made, they didn't consider the image screenshot that I sent showing the date XX/XX/year>, showing that I had already sent the cancellation letter. 

Their response was : " The letter attached to XXXX XXXX 's complaint was not postmarked so we contacted our client upon receipt of this complaint. Our client advises that they first received the cancellation request via email in XXXX. The date of sale was XX/XX/year> so this was outside the rescission window. We are a third party debt collection agency and are unable to cancel the account. '' This shows that I have evidence from XX/XX/year>. ( XXXX business days after signing up ) It clearly states that I had already sent a letter prior to that date about canceling. 

This evidence that I have provided shows that the company hasn't the integrity or care to look at all evidence given in the past that shows my attempts to cancel. 

As I canceled within the time period allowed, I haven't used any of these products nor even set up an online account.
Product: Debt collection

This was a very old Wamu Credit Card dating back to XX/XX/XXXX going on 10 years old which only had a credit limit of XXXX. I made a payment of XXXX on XX/XX/XXXX. The economy came down on us as we were XXXX XXXX   that year and we had to close our XXXX and almost filed bankruptcy. The last known balance on this card thats on record was XXXX as of XX/XX/XXXX. I never got another statement after that and WAMU never notified me of anything. They wrote the account off and it was turned over to XXXX XXXX last I knew. So this is a third party debt collector now which didnt inform me properly or give me any chance to settle. Ive heard some very not nice things about them. They are called XXXX XXXX and they are trying to Garnish my wages which are State Funds for Taking care of my Elderly XXXX Mother in Law. I think what they are doing is very illegal and they are saying I owe them over 6,000.00. I offered to settle for the XXXX I originally owed but they turned me down. I need help as I cant really afford to pay and feel really cheated in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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
Product: Credit card

hi, there is a account from XXXX credit card company on my credit report that is about XXXX years old. this card is reporting on my credit report as still open and im over the limit. the info they are reporting is completely false. i do n't even remember having this credit card. please help me find out whats going on
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Equifax and sent information in XX/XX/2019. I attached a letter from XXXX XXXX showing that the company had informed me of the removal of the false information they were reporting to the bureaus. I spoke with an agent in early XX/XX/2019 who informed me that the information I had disputed ( XXXX and XXXX XXXX ) was removed and that Equifax would send a Confirmation showing the deletions. After two weeks of not getting the response I spoke with an Supervisor at Equifax named XXXX ( Emp # XXXX ) over the weekend ( XX/XX/19 ) and he informed me that Equifax would not be sending the confirmation I had requested because the previous agent was wrong.. He said he would pull the call where this information was given out but could not say what the punishment of the agent would be.
Product: Debt collection

ABR Recovery Services LLC, XXXX XXXX XXXX, XXXX, NY has placed a collection account on my XXXX  Credit report. They are claiming the original creditor is XXXX and that the last activity on this account was in XXXX of XXXX, which is what they have listed on the collection account on the report. This account was actually opened in XXXX and the last activity on this account was in XXXX. It was sold by XXXX to XXXX XXXX XXXX in XXXX of XXXX. There has been no activity on the account past XXXX. 

ABR Recovery is incorrectly reporting the " Date of 1st Delinquency ''. It is not XXXX as they have stated I have provided proof of the dates in the attached snips from my old credit reports attached to this complaint.
Product: Mortgage

We entered into a mortgage with Loan Depot for our home. We own 3 parcels of land. 
Our Home is on XXXX XXXX XXXX XXXX. XXXX XXXX is where our Apartment Building is and is separate from our home. Loan Depot included all three parcels on our loan description ' The apartment has a different address than our home and Loan Depot mistakenly included all three parcels on our mortgage dated XX/XX/2021. We have applied for a loan from a different institution for our apartment building and can't get a loan closed because of the mistaken description. XXXX XXXX has tried to correct this problem with Loan Depot, and they have not released parcel 1. We are in limbo, with nothing being done by Loan Depot.
Product: Debt collection

This debt of {$76.00} was paid in full to XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX, DE. XXXX. They forwarded my bill to Transworld Systems Inc. for collection and failed to inform them that I had written the final check of {$76.00} and mailed it to them. It was cashed and I assumed the acct. was closed. I checked my credit report and I see this debt was never reported as paid in full and therefore still shows up as unpaid and OPEN. I need to get this collection acct closed and off of my credit report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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: Checking or savings account

XX/XX/year> - Wallet and phone stolen. Filed a dispute with Wells Fargo XX/XX/year>XXXX  - Wells Fargo denied dispute and stated no error and charges were authorized XX/XX/year>XXXX  - Contacted fraud department at Wells Fargo to submit and appeal and they told me they would not submit an appeal and that there is no way to dispute the charges that were unauthorized now that they made their decision and I am out of my money and next time make sure my wallet and phone dont get stolen.
Product: Credit reporting

The questions used to verify my identity had nothing to do with me and therefore could not be answered correctly. Because of this I was unable to verify my identity and therefore could not get a copy of my credit report. I am afraid this is because someone has been tampering with my identity as my drivers license and as card were stolen earlier this year.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION TRANSUNION, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office I HAVE RECENTLY BEEN DISPUTING FRAUDULENT LOAN ACCOUNTS THAT ARE MY TRANSUNION CREDIT REPORT AND THESE UNAUTHORIZED LOANS ARE STOPPING ME FROM BUYING A HOUSE FOR MY FAMILY ALONG WITH CAUSING MAJOR DISTRAUGHT I HAVE BEEN A VICTIM OF IDENTITY THEFT I HAVE FILED MY FTC REPORT ALONG WITH MY POLICE AND I HAVE SENT ALL OF THESE DOCUMENTS AND THEY ARE ALL DOCUMENTED AND ON FILE AND THESE FRAUDULENT ACCOUNTS ARE STILL COMING BACK VERIFIED AND I DONT UNDERSTAND WHY ACCORDING TO THE FAIR CREDIT REPORTING ACT THESE ILLEGAL FRAUDULENT UNAUTHORIZED ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY FOR I HAVE TAKEN LEGAL ACTION WITH MY ATTORNEY TO ASSIST IN MAKING SURE THAT TRANSUNION FOLLOWS THE GUIDELINES OF THE FAIR CREDIT REPORTING ACT THE FOLLOWING ACCOUNTS NEED TO BE REMOVED IMMEDIATELY XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company states that After receipt of XXXX XXXX complaint and review of the payment history, we confirmed that our client has record of receiving a payment for XXXX. XXXX loan on XX/XX/XXXX. However this payment was returned to our client as a debit card chargeback on XX/XX/XXXX along with a notification from XXXX XXXX financial institution that she had disputed this transaction as a fraudulent charge, resulting in a refund to XXXX XXXX. We asked our client to confirm the amount of her account, and they found no inconsistency in relation to the amount of payments applied to XXXX XXXX loan.- AD ASTRA Recovery Service Inc . 
The Original Creditor states XXXX  XXXX obtained a loan in the principal amount of {$500.00} on XX/XX/XXXX using her personal XXXX ( XXXX XXXX ) online account. The loan proceeds were deposited into the bank account XXXX XXXX provided at loan origination. XXXX XXXX loan account was placed in default status on XX/XX/XXXX when successful payment on the loan maturity date wasnt received. Thereafter, collections activities commenced as allowed by law. XXXX XXXX contacted XXXX  XXXX to set up a payment arrangement, however, the agreed upon payments were not made. A review of the loan history reflects that XXXX XXXX initiated a collections payment for the past due balance on XX/XX/XXXX as authorized in the signed loan agreement, which paid the loan in full ; however, on XX/XX/XXXX, this payment was reversed by XXXX XXXX bank resulting in a chargeback and the balance being owed again.- A XXXX XXXX XXXX XXXX XXXX XXXX. 

Both companies made the above statements in regards to an initial complaint filed through the CFPB on XXXX, and the dates they specified as receiving payment and then a chargeback dont reflect the same days that are stated nor do they match the date reflected on either statement submitted. 

Both companies state there was a charge back in the month of XX/XX/XXXX and if that were true there would be another amount of {$610.00} that doesnt reflect the charge of ( $ XXXX- on the date of XX/XX/XXXX ) with the transaction date showing XX/XX/XXXX. 

Both companies denied the second payment of {$610.00} on XX/XX/XXXX because of the amount. All 3 Credit Reporting Agencies show a balance due of the said amount which is why I paid such amount. 

XXXX XXXX states that I procured the loan via the XXXX XXXX website online which is in fact untrue because I went into a local branch in XXXX, AL @ XXXX XXXX XXXX. 

Both companies state that they dont accept or report inaccurate debt amounts but all reporting agencies show otherwise. Again if you review the attached statements, you will see that there was no chargeback or credit awarded to my account in the amounts the companies recall. Any chargeback would be reflected on the statements as a Provisional Credit and as you can see there is none.
Product: Student loan

They will not work with me on my student loans despite acknowledging my lack of income as compared to previous income ( after job loss I had to start over in the job market ) .. I was never informed that I could 've done income based payment options until I was out of fierce stance options. I never knew there was a limit to the amount of forebearance you could do on the loans. It was always offered to me when I was behind and I took it not knowing the consequences over the long term. Now I 'm in need of forebearance due to income and it will not be awarded nor can I afford the payment amounts they have offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Experian, XXXX XXXX XXXX XXXX and I still haven't received anything back. I am in the process of purchasing a house and this damaging information is interrupting the process. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX They have 30 days to respond to my disputes. This is a violation of my rights. I contacted all accounts listed below and requested for the original contract from creditors. 

I received no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off reports. Also accounts are incorrect and are displaying balances when they should be XXXX If accounts are supposed to be closed. 
Of which is a violation.Please reinvestigate accounts below and delete this incorrect information or accounts from my corresponding reports. 

Since no response was received all accounts should be deleted Immediately. 

Accounts that need to be investigated and deleted promptly : 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- Inquiry I didn't authorize XXXX XXXX XXXX XXXX XXXX Inquiry I didn't authorize XXXX. XXXX XXXX XXXX Inquiry I didn't authorize. 

Also ONLY thing that should be present on my credit report when it comes to my personal information is the following correct information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Employment : None Violations are below : 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 1681 ( b ) Permissible purposes of consumer reports. 
Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

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. 


If any of the purposes are not present please investigate and delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for lending online XX/XX/22, receiving approval from XXXX XXXX. Contingent upon accepting the terms, approval was granted for a revolving line of credit in the amount of {$3200.00}, requiring bi-weekly minimum payments in the amount of {$190.00}. The damage to my credit report is a result of both unfortunate circumstances & several instances of identity theft, of which I have made tremendous & ongoing efforts to repair and/or improve over the years, of which none have paid off. Needing the funds due to an emergency, I had no choice but to accept the lenders ' terms, of which I suspect are borderline illegal & will investigate separately but I fully acknowledge it was my choice to accept but the issues recently uncovered are unrelated to the actual product itself & have been outlined below : XXXX. XXXX XXXX is a member of the Federal Reserve and although they may not be required to report to the credit bureaus, they do report for some account holders & others they do not XXXX. My account was reported, 5 months after establishment, but to Clarity Services which is actually owned by XXXX, and not to 1 of the 3 major bureaus XXXX. However, completely FALSE information was reported, specifically the loan amount/credit limit, reported as XXXX XXXX As stated above, lending was approved in the amount of {$3200.00} & remains the same to date as my loan has not been refinanced and/or increased. My loan documents & disclosures will easily verify the claims made to be 100 % true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$5200.00}