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

I was denied a credit card due to information in my credit report stating there was a negative report by a Collection Agency { XXXX XXXX XXXX, WA } collecting for XXXX. On XX/XX/2019 I submitted a Dispute Request to Experian ( Credit Reporting ). 
I received a response to my dispute that stated they received a response from XXXX XXXX on XX/XX/2019 stating the Information submitted was valid. I contacted the original claimant [ XXXX ] who told me the account had been zeroed out, there was No Balance Due. The account was completely CLOSED. The Customer Rep. gave me a file number XXXX. 
Next, I contacted XXXX XXXX to try to find out why they were trying to collect on an account XXXX had declared Closed Zero Balance I spoke to the XXXX XXXX XXXX who told me XXXX had contacted their office and withdrawn the collection notice. He advised me that action had taken place several months previously. If true ; why did Experian say they had no knowledge of the reversal? 
Today, I called Experian, I talked with the CSR Customer Service Representative { XXXX } who told me Experian had sent me the information from XXXX XXXX rejection of my dispute via email on XX/XX/2019. I advised XXXX I had not received ANY email ( s ) from Experian regarding my dispute. I advised her of my conversation with XXXX XXXX, she told me there was nothing more she could do other than submit another dispute. 
I ask XXXX to speak to her supervisor. XXXX XXXX [ XXXX ] came on the line. I made him aware of the previous conversation, to which he also said, There was nothing he could do. While on was on the phone I established a 3 Way  conversation with he, XXXX XXXX and I, where XXXX reiterated his claim that XXXX had in fact withdrawn the demand from Receivable Performance and had made an Electronic request that the information be removed from my credit report. On several occasions I asked XXXX to provide me a copy of exactly what XXXX XXXX said, she gave some B/S answer as to why she couldnt. 
After XXXX disconnected from the phone conversation, XXXX mention he did hear XXXX say the claim was Not Valid. XXXX mentioned to me, in situations like mine there is an expedited remedy whereby he could call XXXX XXXX direct and obtain the information directly and remove the Negative information from my credit report. I asked him to initiate that procedure, XXXX told me He would not do that, because XXXX said he had sent an electronic notice. I want the incorrect information removed from I report. Although, XXXX had the ability and the authority to do it, he refused. It has been almost one month since I submitted my first dispute, I dont understand why XXXX see the sense of urgency I have for having my Credit report being accurate, I believe I have that right.
Product: Debt collection

I, the consumer did not authorize or give any written consent to the said company to furnish anything on my consumer report or to have my private information.
Product: Debt collection

I have received 3 calls from IQ Data / XXXX XXXX XXXX company on XX/XX/2018 at XXXX XXXX, XXXX XXXX  and XXXX XXXX about my move-out bill from my the XXXXXXXX XXXX/XXXX XXXX. that I declined to pay and asked an adjustment from them. The agency representatives threatened me to move my file forward and to affect my credit score because of this inaccurate bill. I have already filed a complaint to the attorney general 's office about the adjustment of this bill and waiting for a response. However, I want to complain about this collection company because of their threatening and disrespectful call. Please see attached my emails to the property to fix this issue and my documentation that I left the house without any damage. I am not accepting the carpet replacement fee and asking for an adjustment of XX/XX/XXXX utility bill since I left the house on XX/XX/XXXX and only used the utilities for 9 days however been charged for the whole month. I made all my payments on the due dates until my move out and I am not accepting any debt that is declared to me after my move out without any documentation or proof. Although, I have my move out inspection shows that everything was okay at the apartment after my move out. The collection agency 's information is : XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX Thank you.
Product: Credit reporting or other personal consumer reports

Good day. Erroneous information is being reported on my credit which is really concerning and it's stressing me out. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's taking a toll on my XXXX XXXX  and I'm facing financial hardships.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account, ( Business and profess in the amount of XXXX has violated my rights. 

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

XXXX account on my credit report shows my old account was closed after a settlement, I did not do any settlement. I paid in full when I closed my account. 
I sent XXXX  the letter from XXXX, where its says this account will be considered paid in full I paid a total of {$160.00} on XXXX XX/XX/2021 I spoke with XXXX at XXXX XXXX department ( her team number is XXXX ) on XXXX XX/XX/2021 XXXX from XXXX customer service documented on my account ********** I also called XXXX  several times, sent them all the documents they need, they are still putting account was closed in a settlement which is not correct. 
Please help me to remove this from my credit report. 
I hope you understand. 
Thank you. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of hard inquiries on my credit I know nothing about someone is trying to get credit cards in my name and someone is trying to use my credit and I have no knowledge of this. I tried calling XXXX they told me that I had to get in touch with cfpb I need all of these hard inquiries remove and other things that is on my credit remove I have no knowledge of
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted numerous time my credit report agency and every time they would ditch me and give me an XXXX excuse and couldnt resolve my situation and I told him that I have not authorized all these new inquiries on my credit report please I need someone to help me out
Product: Credit card or prepaid card

I have a capital one credit card. I have not used in one year. The fees are over {$80.00} per month I pay {$100.00} and my balance keeps going up. I called them in XX/XX/2018 they said I qualified for {$74.00} per month to pay off my card. They put me on hold and hung up. When I called back they said I no longer qualified because the call was not completed. I reached out to cfpb XX/XX/2018. Capital One called me after this complaint # XXXX and agreed to close my account and offer me the {$74.00} per month payment and 7.4 % interest from what I have now around 23 % interest. I called four times as they said I would receive agreement in mail. I do not feel comfortable in making a payment until I recieve agreement. Last week I called capital one again and was told it will take effect in XX/XX/XXXX and paperwork would arrive in XX/XX/XXXX. I am attaching paperwork I received XX/XX/XXXX which is not an agreement but a letter stating what I owe. I need to resolve this and get rid of this debt, capital one is giving me the run-a-round and totally causing undue stress to me. This is unacceptable.
Product: Mortgage

I made extra payments on XX/XX/XXXX and XX/XX/XXXX to the tune of about {$11000.00}. 

SPS , Inc. has refused to apply this properly. I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No one has been able to apply this properly and I keep being told " they are escalating the process to give it a few more days. '' I am paying interest on a balance that is not correct and they refuse to fix it.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I initiated a transfer of {$100000.00} to XXXX for an urgent personal matter using xe.com ( now operating under the legal name XXXX XXXX XXXX XXXX, previously known as XXXX XXXX XXXX XXXX XXXX ). Unfortunately, the funds did not reach the intended destination bank. Xe.com has been unable to provide a destination reference number or any concrete information about the whereabouts of the funds. Subsequent requests for a refund or recall of the transfer have also been unsuccessful, with xe.com unable to trace the transaction. 

I urgently needed these funds for personal matters in XXXX, so I sent them before my trip, expecting to use them during my stay. Unfortunately, the funds never reached their destination. After two weeks filled with frustration and embarrassment, I had no choice but to return to the US without resolving the family matter. This ordeal has caused me significant mental anguish, reputational damage, and financial loss, as I was unable to meet a crucial financial and family obligation.
Product: Debt collection

Windham Professionals called my cell phone and presented themselves as a company looking for a reference to hire my ex-wife and asked for her contact information. I have not had contact with her in 6 years and our last names have not been the same for that long. I asked if they were collecting a debt and they answered " yes '' and hung up the phone. I called the number back to see what the company was. This is the second call I have received from them after asking them never to call me again, I have nothing to do with my ex-wife or her debts. The fact that they are misrepresenting themselves, calling a mobile phone they likely should not be calling, proves this company should at least be investigated.
Product: Credit reporting or other personal consumer reports

today i logged into my credit file to see XXXX XXXX XXXX is reporting a debt of {$750.00} to credit reporting bureaus, i have never done business, signed any contract or documents with XXXX XXXX XXXX  or anyone they are collecting for, I do not wish to contract or do business with XXXX XXXX XXXX
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Called me at work on work phone, after I told them to stop calling my work #.
Product: Mortgage

bank servicing did deferment with out my consent in the amount of XXXX, while being eligible for the funds from XXXX XXXX. and are not communicating with the program, whenever i call they are saying that a supervisor will call me and they never do
Product: Credit card or prepaid card

While XXXX last fall, I applied for and received the barclaycard Luxury Gold card. The bank waived the {$990.00} Annual Fee. However since returning from XXXX I have received 2 notices from barclaycard indicating they will no longer waive the Annual Fee. I wanted to understand if this legitimate. When I signed up for the card, barclaycard said they would waive the fee for the duration of my time on XXXX? Are they allowed to change that policy mid-stream? I still ( hopefully ) have several years on XXXX XXXX and would still appreciate access to the many benefits, as well as 0 % APR made available through this card. I appreciate your time.
Product: Credit reporting

XXXX, XXXX has recently provided information to an apartment management company I applied for, that I believe to be inaccurate. I recently applied for an apartment at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX and was to sign a lease as soon as my background and credit came back fine. On XXXX XXXX, 2016 I was informed that my application was denied due to credit history, specifically collections actions by XXXX being unsatisfactory with an outstanding balance on an account ending in XXXX. I have contacted XXXX XXXX XXXX and verified I have no outstanding balances and every account I had with them was closed with a XXXX balance. Furthermore, I never had an account ending in XXXX. I do not have any collection issues with XXXX XXXX XXXX that would cause me to be denied. I called XXXX to ask for additional information and I was told to fill out a Consumer request to dispute the information given to the apartment complex which I e-mailed on XXXX XXXX, 2016 ( Reference : Case # XXXX ). They told me at XXXX that they do n't know how long it will take for the reinvestigation. I read online from other consumers complaining that it took nearly 30 days or more for them to get a response from XXXX which is not right because it took them less than XXXX minutes to get my report and provide wrong information to the apartment complex leasing office and it will take more than 30 days which is unacceptable. In this case I will lose the available apartment which has a XXXX year waiting list.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tn XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Verification and Copy of 1099-C for Charged-Off Account Dear Experian, I am writing to formally dispute the reporting of a charge-off account listed on my credit report. The account information is as follows : Creditor Name : XXXXXXXX XXXX Account XXXX Date of Charge-Off : XX/XX/year> I request that you verify this debt in accordance with the Fair Credit Reporting Act ( FCRA ) and provide me with all supporting documentation, including a copy of IRS Form 1099-C, if applicable. If the debt has been forgiven or written off by the creditor, as indicated by the charge-off status, the creditor is required to issue a 1099-C for the amount canceled. 

Please note that failure to verify or provide the requested documentation within 30 days may result in my request to have this item removed from my credit report. 

I have attached a copy of my drivers license/state ID to verify my identity. Additionally, I have enclosed a copy of my credit report highlighting the disputed account. 

Thank you for your attention to this matter. I look forward to your prompt response. If you need any further information, please do not hesitate to contact me at XXXX or XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

- **Section 611 ( 15 U.S.C. 1681i ) ** : Provides consumers the right to dispute information on their credit reports and mandates the credit bureau to investigate and correct or remove any inaccurate, incomplete, or unverifiable information.

- **Section 605A ( 15 U.S.C. 1681c-1 ) ** : Entitles consumers to place a fraud alert on their credit reports and requires creditors to verify the identity of the consumer before extending credit.

I request that you : 1. Investigate the fraudulent and inaccurate items listed above.

2. Remove these items from my credit report within 30 days.

3. Provide me with a corrected copy of my credit report once the investigation is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just filed a complaint and Im highly unsatisfied. Transunion removed inquiries and placed them back on my file without notifying me and this is against the law. I expect them to be removed. Now since I previously filed my complaint I will not list the inquiries again. They need to do their due diligence and remove them or I will file a complaint with the attorney general
Product: Debt collection

The Company Portfolio Recovery at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has been sendig me collection notices with a balance of {$1200.00} due. I do not know this company and do not owe them any money. They do not have a contract with my name on it. I have previously written them in XXXX of 2021 and they have failed to provide me with the verification that I requested. 

They are also in violation of 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ) ;
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft stemming from both the XXXX data breach and the XXXX data breach, in which these incidents exposed my consumer data and other potential personal sensitive information such as name, contact details, Social Security number, financial data, and credit card information, leading to unauthorized use of my identity. 

On XX/XX/XXXX, XXXX publicly disclosed that on XX/XX/XXXX it had suffered a significant data breach due to hackers, with a revised announcement in XX/XX/XXXX stating that all three ( XXXX ) XXXX of its accounts were affected and the names, email addressed, phone numbers, birth dates, passwords, calendars and security questions of its account holders were compromised. On XX/XX/XXXX, XXXX disclosed a major data breach between XX/XX/XXXX and XX/XX/XXXX that exposed consumer data, including names, addresses, phone numbers, email addresses, and potentially other sensitive personal information. Given the extensive scope and frequency of these breaches, I have substantial reason to believe that my compromised personal information has been used to open unauthorized accounts in my name. 

These fraudulent accounts consist of a personal credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent charge-offs, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports pursuant 15 U.S. Code 1681c2, not later than 4 business days after the date of receipt, and I demand that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaints ( # XXXX ) and ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need this issue fixed immediately attached document to the attachments section. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. I demand this account to be deleted immediately. 
XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax not following the federal mandate to provide a free annual credit report. 
Equifax suffered a security hack a few years ago and since then, I have not been able to obtain via their website, a free report. Unable to obtain in XXXX, XXXX and now in XXXX. 
How is this Equifax company still allowed to be part of the XXXX XXXX XXXX program? The website won't provide an online report but rather says you must request in writing and provide 2 proof of identity. This is three years in a row. Why would I trust sending you identity verification & a written request that has security info on it to you via mail? As a company, you already had security issues but are now requesting that a consumer must provide a paper request with verification? 
How long does it take for a company to fix security issues? I feel that this company should be eliminated from the free XXXX XXXX XXXX  program. The other two, XXXX and XXXX   are providing reports via the internet without issues. 
Equifax does not deserve to remain a qualified credit reporting company and certainly does not qualify to work with any government mandated requirements.
Product: Vehicle loan or lease

My husband XXXX XXXX had a vehicle loan thru Wells Fargo in XXXX and the loan was under my husband 's name and my mother 's name but my husband never received a settlement check ... What do I need to do in order to find out if my mother got a check and not my husband my husband was first on thr loan... we received a letter stating they should be sending us money but that was in XXXX and never received anything ... our phone number is XXXX
Product: Checking or savings account

The problem I had was when I was using XXXX thru my bank the just begin to make sure if I was sure the person I was selling money to was the right person which the own XXXX
Product: Checking or savings account

Td bank close my account and I had XXXX in my savings and td move the money out my savings without my permission and now Im not able to have access to any funds and I went to the branch they werent able to tell me where my funds have been move too
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a Pre approval at lending tree, one that promised a no impact on the credit and a soft pull ... over the next 3 or so days many many many " Lenders '' banged my reports with inquiries ....

Upon noticing this I called all the credit bureaus, they told me that there was nothing they can do and i hate to contact the " lenders '' so I did exactly that ONLY TO HIT ANOTHER BRICK WALL when they told me since it was through a 3rd party ( XXXX XXXX ) they could not even SPEAK to me about it, its on my report and they wont even talk to me.. this is pureeee fraud!!!

of course I found out lending tree gets PAID for each inquiry from each lender .... 

So between XX/XX/XXXX and XX/XX/XXXX of 2019 the following inquiries were spread between all 3 credit reports UNAUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX