23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Earlier in 2020, I was in a contract to purchase a new construction home in Nevada through XXXX XXXX XXXX using a VA loan. Due to the COVID-19 shutdown, I had to leave my place of employment and thus had to back out of the contract for the home. XXXX XXXX demanded something in writing from my employer stating that I had lost my job due to COVID, but I was unable to obtain that as the company and other employees including my manager were also in crisis, obviously. XXXX refused to return my {$3500.00} earnest money deposit because I could not provide anything to them in writing. With the craziness of everything going on this year, I don't feel that it was ethically or legally for them to withhold my deposit despite all of the chaos of the situation going on in the country at the time. Most recent correspondence with them was on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Transunion 's, I demand you comply with the law. I have been disputing these accounts. You have not been able to provide me with any of the requested information, The original creditors have not been able to verify this account. Therefore, I doubt that a solid, good faith investigation was done on my behalf. I demand you comply with the law. The other two major credit bureaus have already done their investigations, and their investigations proved that these accounts were indeed inaccurate and unverifiable. Once again I demand that you comply with the law, If you will not comply, I will have to push my efforts further and take it to court of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday, XX/XX/XXXX I applied for an Ulta credit card in their store in XXXXXXXX XXXX. They said because their address for me was outdated that the bank was going to contact me for more info. 30 days went by and they never did. I also received nothing in the mail. I called Ulta and was told that my credit file was locked and that I needed to call XXXX which was the only of the three agencies that showed the hard hit. I contacted them and they confirmed it was never locked and I also found this on their website when I logged in. Not to mention I had received a Victorias Secret credit card ( same company ) the month prior. I was told I needed to contact Ulta back and they would need to remove the hard hit and then I can try again to apply and they can try pulling it again ( I did not want Two hard hits, especially considering they last two years ). I was transferred to an automated line confirming that I would receive mail correspondence within 30 days from applying which clearly I never did hence my call ). I called Ulta again and again and no one wanted to help and kept transferring me to this obsolete line. I had to ask for a supervisor. I was told to write to Ulta and I waited another 30 days. Crickets. I sent them proof of the hard hit and proof of my over XXXX credit score. I also included proof that my account was not locked. I just want the credit card or I want the hard hit removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00} XXXX XXXX Balance : {$2600.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Debt collection

I should this company in XXXX to another company. 
All the utilities were taken over by new company including the Alarm system. 
In XXXX, I got a letter from Ziondebt that I owed {$2800.00} in alarm bills from the company I owed. Apparently, the new company did not continue with the alarm services so a bill for XXXX  years was into the future was issued. 
This is not my bill, this is not my company.
Product: Credit reporting or other personal consumer reports

I had an issue with my mail and apparently my Wells Fargo account that I had for years went overdrawn by XXXX and I only found out recently. I also found out that they had reported me to some type of Check Monitoring. I paid the {$62.00} on the account ending in XXXX on XX/XX/year>, yet the representative at Wells Fargo, failed to remove the account from the XXXX XXXX XXXX list. This is Ruining my life. I have my XXXX spouse that needs his XXXX, and I tried to open a trust account and was rejected because apparently this company, XXXX XXXX XXXX, has me listed as defaulted on the checking account. I told the representative that this was an error and he told me to wait 15 days. I can not wait 15 days. I have to open a trust account for my spouse ASAP or he will lose his benefits. I am in dire need of having this error corrected ASAP!!!! Please, this is urgent. I sent them a screenshot of the payment. I unfortunately have to file a complaint against them and Wells Fargo, due to the representative 's error on the Wells Fargo side. I have reached out to the executive offices to see if out of kindness they can override this incorrect information that is being reported against me blocking me from completing a transaction to give my spouse the dignity and care that he needs, he is XXXX and has no one else. Unless this is corrected ASAP by XXXX XXXX XXXX, and any other company the nasty collection rep failed to fix, my XXXX spouse will lose his much needed long term care XXXX benefits with XXXX 

He is XXXX and he really needs the assistance to live life with dignity. 

Please help me with this. 

This XXXX XXXX XXXX XXXX is ruining my life for something that I already paid and I can not even log in to view it. Supposedly they state I have to wait 15 days for a report for something that is an emergency. This is a violation of my rights under the FCRA. They are reporting false and inaccurate information all due to a representative that failed to do their due diligence. 

I just need this fix so that Wells Fargo will allow me to open the XXXX 's XXXX for XXXX so that my ex-husband can retain his benefits. Please I need this done yesterday. They will discontinue his benefits soon if not resolved quickly and I can not care for him during the hours I work. He can not be left alone. HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting an account on my Experian credit report that is not reporting on my XXXX or XXXX  credit reports. This account is negatively affecting my credit score I have requested Experian to remove this account several times
Product: Debt collection

Signed up for a class at the XXXX XXXX XXXX at XXXX XXXX. Paid {$1400.00} up front for a class I believe had been {$2000.00}, dropped the class after attending just XXXX classes. I had been told to notify the XXXX office, which I did but never received any paperwork to demonstrate my dropping of the class. This is from the summer of XXXX. 

There had been an alleged certified mail sent to me, XXXX XXXX, never received it. It shows I signed for it, the same day it had been sent out. That is not possible and it is not my signature. 
I have since had the law firm of Fein, Such , Kahn & Shepard put a levy on my checking account. I fear next they 'll attempt to repossess my car, the only thing I do have and would n't be able to get to work. 
I had spent the past 3 years on general assistance due to helping my mother who had been diagnosed with XXXX XXXX. Lost her in XXXX of XXXX and then lost my father, XXXX of XXXX. I now live in a home that my father did a reverse mortgage on, I have no heat or hot water as I could n't afford to pay the bills he left behind at the time of his death. 
I started working again a few months ago at the XXXX, this position required XXXX. Having gone through XXXX background check, XXXX, I have now been informed XXXX. 
I received an official letter from them this week, XXXX/XXXX/XXXX. 
I am not sure whether my compromised information is a result of what is happening and what this unscrupuous law firm is attempting to do to me. Pay a {$6000.00} debt, an alleged debt that when contacting XXXX XXXX, has no knowledge of. 
They can see I paid {$1400.00} of the class and nothing of me owing them any money whatsoever. 
The above mentioned law firm states they 're representing XXXX XXXX, as said, the school is not aware of any debt owed to them from XXXX or anytime after that. 
This is who I had spoke with at XXXX XXXX XXXX XXXX , Program Coordinator for XXXX. 
I can not afford to pay this alleged debt, I do not owe this allged debt, this law firm to using the law to collect what 's called zombie debt and using any means to collect that alleged debt for their own financial gain. 
I also suffer from XXXX XXXX XXXX and this added stress has been causing me issues with the disease. I am attempting to get back up on my feet, work, move to an apartment, pay legitimate debts I owe and can not endure what this law firm is attempting to do. 
When researching that law firm, first XXXX results are of ripoff report, XXXX complaints with their debt collecting tactics, being sued by another state 's court for robosigning mortgages and makes me wonder how they 're still able to operate? 
I can provide all required documentation, transcripts of my discussions with XXXX XXXX, XXXX official letter that my XXXX being on general assistance.
Product: Debt collection

Emails dated XX/XX/XXXX and XX/XX/XXXX from TrueAccord Corp. stating that I owe them a debt for {$440.00} and asking for a Credit Card. The Alleged Original Creditor was XXXX XXXX XXXX, who previously charged off the alleged debt via XXXX with the IRS and reported it as income. XXXX XXXX XXXX bought my charged off debt for XXXX on the XXXX  from the Original Creditor XXXX XXXX XXXX, and supposedly assigned the collection of the Charged Off Debt that was purchased for XXXX  on the XXXX  to TrueAccord Corp who is looking for the Original Amount of the Charged Off Debt in the Name of the Original Creditor XXXX XXXX XXXX. Whom I have mentioned previously CHARGED OFF THE DEBT with the IRS via XXXX forms!!!!!! I have no contract with TrueAccord Corp nor XXXX XXXX XXXX. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I donot know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating about me to 3rd party without my consent, which is in violation of 15 USC 1692c ( b ). They are offering 40 % off the alleged debt along with their symbol which is a violation of 15 USC 1692b ( 5 ). They are threatening me with harmful action towards well-being via credit report which is a violation of 15 USC 1692d ( 1 ). By them even communicating with credit agencies is a violation of my privacy per the Privacy Act of 1974. Let it be known that it is a fact the Original Creditor XXXX XXXX XXXX has committed Securities fraud by selling notes of consumers via their Social Security Numbers via Irrevocable Assignments. Was this apart of the original service agreement with XXXX for XXXX XXXX XXXX. We all know the Note is the Application, which is Self Liquidating Paper with an XXXX Attached with a Blank Endorsement for Special Deposit. We the People Gave NO Such Consent to these hidden back door deals off the backs of our social SECURITY numbers. I also believe no such evidence Exists! I have taken the liberty to attach XXXX XXXX SEC Documents detailing assignment of Notes where the Tax ID or Social Security Number and Name and Address of the Assignee is listed. So now you as a third party interloper are now apart of the fracas.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was reported on XX/XX/2019 and its def inaccurate because I have spoken to XXXX XXXX and they verified that this info is not accurate at all because the accounts that I have with them is up to date and def not that much money please if something is not done in removing this account from credit I will most def take further action and if i have to it will not be good thanks again
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2020 at approximately XXXX I attempted to instantly transfer funds to my debit card account through Venmo. I was not allowed but forced to used an alternative slower service. When I called the information line I was informed that this happens when the bank does not participate or Venmo considers personal risk. I confirmed that my bank XXXX does participate and my credit score is the decision for denial of services. I received no disclosure of this under the fair credit reporting act. Since this seems to be an instremely frequent problem ( there is an automoated phone message stating that risk issue XXXX the government should be interested as this may affect thousands of consumers. No effort or remedy was made by Venmo was made to disclose this to me
Product: Debt collection

After speaking to my insurance company regarding payment of the claims, my insurance informed me that they had requested the company call them and/or submit additional information regarding the claims. My insurance company informed me that because CAC XXXX did not communicate and respond to them the claims were not paid. 

After my dispute of the 8 different collections on my credit reports ( XXXX, XXXX and XXXX   ) it appears the CAC removed the collections in XXXX, 2019 and resubmitted them as new in XXXX, 2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

General revenue is violating my rights under section FCRA 605 B, by reporting fraudulent balances on my credit report. This is now the second offense of them doing these actions. I attend to bring litigation in third district court if this reporting is not immediately removed within the next 4 business days. They have also failed to contact the XXXX XXXX police department and retrieve the police documents after being given the police report numbers. Instead they negligently reported to the credit bureaus. Under section FCRA 623 it their sole responsibility to gather this information which they didnt do.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Transunion, XX/XX/XXXX, FILE # XXXX Which stated that, XXXX XXXX XXXX, ( Acct # XXXX ) is scheduled to be removed XX/XX/XXXX from my credit file, but the account still appears on my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXX Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry