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

EARLY WARNINGS is currently in violation of FEDERAL LAW. 
EARLY WARNINGS has obtained my personal, private and confidential information without my consent and in doing so EARLY WARNING has committed identity theft. EARLY WARNING is currently furnishing fraudulent information on a investigative consumer report using my private, personal and confidential information without my consent, knowledge or authorization. These practices are in violation of 15 USC 1681a ( 4 ) because a consumer has a RIGHT to privacy and all consumer reporting agencies must respect that RIGHT. EARLY WARNINGS has violated my RIGHT to privacy by furnishing any information on me as a consumer without my consent, EARLY WARNING has NEVER received ANY consent by myself to have, obtain or use my personal information. 
Pursuant to 15 USC 1681a, a consumer report agency is " any person which, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ". According to CONGRESS in 15 USC 1681a EARLY WARNINGS is a consumer reporting agency and must adhere to all sections of the Fair Credit Reporting Act [ 15 USC 1681 ]. 
This also means that EARLY WARNINGS must adhere to subsection 15 USC 1681b ( a ) ( 2 ). EARLY WARNINGS may furnish a consumer report under the following circumstances and NO other : ( 2 ) " In accordance with the WRITTEN instructions of the consumer to whom it relates ''.

I am the consumer to which this alleged information relates and I have NEVER given written instructions for EARLY WARNINGS to furnish ANY information nor have/use/obtain my personal, private and confidential information. I am gravely unnerved by EARLY WARNINGS BLATANT disregard for FEDERAL LAW in these matters. These violations of FEDERAL LAW clearly and conspicuously disclose EARLY WARNINGS WILLFUL NEGLIGENCE/NONCOMPLIANCE WITH FEDERAL LAW, in violation of 15 USC 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I have reached out the Experian, XXXX and XXXX about a bankruptcy reporting that do not supposed to be on there. With the bankruptcies showing it is causing me a hardship and will like monetary if its not removed immediately. Bankruptcy court stated they do not report to the credit bureaus which it needs to be removed, document is attached. Rule XXXX Privacy Protection for filing made with the court. 
I have previously disputed this item with you ( US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX MI XXXX ) and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit agencies for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting quirements do not comply with FCRA 611 ( 15 u.s.c. 1681 and the information must be deleted immediately.
Product: Mortgage

i have a mobile home loan with  Greentree finance who sold loan to Ditech it was paid off about 15 to 18 yrs ago but never got lien released thru SC dept of motor services. we went to get title from them they said it still had a lien on it and said to contact Greentree when we did we found out it was sold to Ditech. we contacted then they said it would take 10 to get a letter of release we waited about 2 weeks did not get anything in mail we called back they said it could take up to 30 days still nothing. we have made no less than 10 calls everytime we get a differe nt answer. last week we were told to fax a request in and ask them to contact us about this again no acaa back now they tell us we need to email info to  XXXX  XXXX  XXXX . they mobile home has been sold and the new person ca n't get permit to have it setup without a clear title.
Product: Debt collection

My son has tried to do the honest thing and notify Resurgent Cap through the CFPB system to let them know that he was the one who opened the credit card accounts in my name. However, they won't acknowledge his complaint since they don't recognize him. I'm attaching it to this complaint and they can do whatever they see fit. The corrective action would be to do the right thing and acknowledge that it wasn't me who opened these accounts and that it was my son. If they still want to say I own these accounts when I know for a fact that I don't, then I'm ready to take them to court. They will have to prove to the judge that it was me who opened this account and it was my hand that swiped these cards. But again my son has a written statement owning that he was the one that opened these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

This is a follow-up to my original complaint filed on XX/XX/2023 as follows : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Credit card or prepaid card ISSUE Other features, terms, or problems As I indicated in my feedback to this complaint, the answer provided by Truist was ludicrous and totally unacceptable. As a result, I used figures from their website for all my credit card statements since inception and the FACT is that they still owe me {$220.00} for rewards earned, but unpaid by them. This was NOT a system error, as indicated by my detailed breakdown of charges and rewards owed at 1 %. ( SEE ATTACHED DETAILED BREAKDOWN )
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do a verification and investigation of the validity of this debt and they said they did however I am claiming inaccuracies and false reporting. In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

15 U.S.C 1681 Section 602 A. states a consumer reporting agency can not furnish an account without my written instructions - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX # XXXX
Product: Vehicle loan or lease

I communicated with XXXX on XX/XX/XXXX regarding a consumer credit transaction without a down payment for XXXX XXXX XXXX . I asked representative XXXX XXXX does XXXX participate in the Truth in Lending Act and after verifying, she confirmed yes. Afterwards, she stated that a down payment of {$12000.00} would be required to be financed by Exeter ( violation of 15 USC 1601 and 15 USC 1662 ).
Product: Credit reporting or other personal consumer reports

I found a hard inquiry from a company that I dont recognize on my credit report
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft, i have been trying to work with all three credit reporting agencies to remove these fraudulant accounts and the credit reporting compines are refusing to help me out every time i call them and ask them what documents and what information i need to provide to them to have this matter cleared up they tell me what to do and i do it then when its time to follow up with them they tell me ohh your missing this then i give them that then they tell me that i do not meet the requirments to fit there guidelines then i ask them ok what criteria do i need to meet so i can fix the issuie and resend it then they tell me ohhh well we cant tell you!...
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reviewed my Credit Report Once again. It seems like there are addresses in my file that are erroneous and incorrect Please validate and delete these addresses immediately : XXXX 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
Product: Vehicle loan or lease

I have a lease loan with Chase Bank. In XX/XX/2020, I incurred toll fees with XXXX XXXX in the amount of XXXX. I paid that on my XXXX bill and the fee was again on my XXXX bill ( while it also showed I paid it in XXXX ). This happened again in XXXX and I paid it not realizing it. In XXXX, I was charged again and called Chase and emailed my bank statement. I told them to look at my statement to see the fee being charge meanwhile it also shows I already paid it. Should be simple?! It shows on the bills that I paid it, but they continued to charge it to me again. Unlike other companies, I do not pay XXXX XXXX direct, I have to pay Chase and then they pay it for me. In XXXX, the XXXX fee stopped, but a new one appeared as I incurred more tolls in XXXX. I paid this and it showed again. This has been going on each month since XXXX with maybe one month it hasn't. I went to XXXX and spoke to finance and store manager. They couldn't understand why I was having this issue and could provide no help. I made a XXXX  complaint in which a XXXX  Chase representative contacted me. I submitted all paperwork and still no resolution. They continue to send me an itemized invoice ( that isn't accurate ) and write to the XXXX  the complaint has been resolved when I told them it hasn't. They told me a payment was reversed and I spoke to my bank manager to say the only thing on my account is my charges to Chase Bank with the fees. Because of this my extra fees I have been late. My normal payment has been higher each month and I receive late fees. I've requested via phone my payment date changed and I am told they will do it ; however it is not completed. I've also received late fees during a grace period I've been told over and over I have. This fees continue and have not been refunded. 
Late fee- I've been told " there is no grace period, but have 10 days after due date ( 14 ) before a late fee is assessed. " " We received a notice from the state regarding your unpaid citation. In accordance with your lease agreement, we have paid the citation and billed your account '' I have been charged the same toll fees over and over. Something in their system is not working and I'm suffering because of it. I can't believe my bank, my attorney, XXXX and others can understand this issue, but Chase Bank can not. 
I have over 100 pages of documents that I will scan if have to, but my current scanner will not take all of it. This includes my Chase statements showing the charged fee and that I paid it before along with my personal bank statement.
Product: Debt collection

XXXX XXXX is and has been in " in-network '' primary care facility I was seen at their urgent care location immediately after a serious car accident end of XXXX. Suddenly I was receiving bills from the visit and a follow up visit to my primary care doctor. As I mentioned, they are in network with my insurance company and I only have small co-pays, which were paid. I have tried several times to get this straightened out but they use a 3rd party billing service and it's just been impossible. 
Now I have been sent to collection. I do not owe this money as all care received was covered 100 % less my co-pay. 
I have attached the collection letter and a copy of my actual billing summary from my doctor 's office-XXXX balance!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information on my credit report is incorrect and unknown to me, I'm demanding that these accounts be blocked for my credit files. The following accounts are, ( 1 ) XXXX XXXX {$290.00}, and ( 2 ) XXXX XXXX XXXX
Product: Debt collection

calls at all hours of the day, sometimes minutes apart. Uses several different numbers from the same company. Does not leave a message or any information to call back. Very stressful and depressing. Embarrassing that i can not use my phone without interruption from this caller
Product: Credit reporting

When I apply for a mortgage or car loan, the finance officer has a different credit score than I get on-line, or even when I receive a statement from the XXXX agencies. Their score is always lower. I do n't know if they 're lying so they can charge a higher interest rate, or there 's two different scoring systems. Which is it?
Product: Checking or savings account

On XX/XX/year>, I deposited {$4100.00} into my account with Skrill ( https : //www.skrill.com/en-us/ ). 

I spent most of this money using my Skrill debit card.

Today, I received an email that Skrill closed my account. No reason was given, and I was told the decision is final.

I still have {$3.00} in my Skrill account, but I am unable to access this even though it is my money.

Skrill insists on seeing my bank account information before it will consider releasing my money to me. I have 48 hours to provide this information per Skrill. I was sent an email today, XX/XX/year>, informing me of this. Skrill 's request is unreasonable.

Skrill is trying to steal my money and has locked me out of my account.
Product: Credit reporting

Checked my credit report and there was a hard credit inquiry from XXXX Bank that did not authorized or applied for. Inquiry reported XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complain regarding my credit report information that is questionable. I would like to dispute certain accounts in my file which I believe is possibly an Identity theft. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance {$5100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting acXXXX XXXX XXXX XXXX # 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 XXXX XXXX,,, collection agency XXXX XXXX XXXX XXXX. 
Balance {$57.00} Highest Balance {$57.00} OpenedXX/XX/2014 ( 4 yrs, 3 mos ) Account statusOpenType -- XXXX XXXX  NameXXXX XXXX XXXX I have a doctor in XXXX, Tx .... XXXX XXXX. I pay for all office visits out of pocket. The XXXX XXXX XXXX have the wrong information. I do not owe them anything and want this negative remark removed from Equifax and XXXX. XXXX already deleted it. Incorrect information.
Product: Debt collection

This account was opened on XX/XX/2023. It has a balance of {$240.00}. I have no knowledge of this account, and I have no Idea where it came from. I was never notified of this collection. Whats more, this debt are fraudulent and inaccurate.
Product: Vehicle loan or lease

I am trying to file my 2023 taxes I purchased a vehicle VIN : XXXX from XXXX XXXX, Its a XXXX XXXX, the dealirship did not provide me with form F15400 at the time of signing the loan. 

I have reached out to South East Toyota which is the lien and the dealership XXXX XXXX multiple times requesting said form to receive my tax relief. 

And have been denied multiple times, both companies tell me to reach out to the other one and none take responsibility.
Product: Debt collection

I have a medical bill in XXXX i i apid it in XXXX then they take it out of my XXXX  report 2 year later bill when again to my credit report take it off again because i paid already and now the keep charging me the same debt over and over again
Product: Debt collection

In XX/XX/2019 my students were discharged and all balances XXXX  due to XXXX  XXXX  XXXX  XXXX per the Department of Veterans Affairs. XXXX  has been notified that their credit reporting system is displaying multiple accounts with FEDLOAN SERVICING XXXX XXXXXXXX XXXX, PA XXXX Phone # : XXXX In a " Derogatory '' status which has had severe credit impacts to my credit score. I have contacted Fed Loan servicing and XXXX  and disputed the inaccurate information multiple times and the information remains to this date as of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a credit alert on my credit profile with all three credit reporting agencies when I was a victim of ID these with the XXXX I recently applied for credit with XXXX and XXXX to get new service, and I was denied credit and was required to give a deposit. I have a credit score on average XXXX out of XXXX, I recently applied for credit with XXXX a month ago and I was approved with a credit limit of {$22000.00}. The issue I am coming across with XXXX, XXXX and Equaifax, that my security alert on my file is automatically denying me credit. I called Equaifax and now they can not find my credit report and It is really annoying that I have to deal with this.
Product: Money transfer, virtual currency, or money service

I had multiple transactions that were fraudulent and when I attempted to reach a live representative at Cash App, there was not a live agent to speak with. I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

This account was paid in full. I dont understand why there are still reporting it to my credit report late
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I called XXXX XXXX XXXX and changed my credit card payment date from the XX/XX/XXXX to the XX/XX/XXXX of every month. This way I would have no issue make 100 % payment and have that reported consistently. They informed me that the change would not take place until XX/XX/2020. Before making my XX/XX/XXXX credit card payment, I called XXXX XXXX XXXX  on XX/XX/XXXX to make sure I understood when my XX/XX/XXXX statement would close so that I did not use my balance sooner than it would be reported. I basically called to confirm that my money would need to be on the card until XX/XX/XXXX, XXXX EST. I discussed this with a XXXX XXXX XXXX representative who confirmed with me that my statement would close on XX/XX/XXXX and whatever balance is on my card by end of business on XX/XX/XXXX, at XXXX EST is what would be reported. We also confirmed that my payment due date change would take effect on XX/XX/XXXX and my statement would generally close on the XX/XX/XXXX of each month going forward. I explained during this call that I would need to use the balance rather quickly so unfortunately, my money would not sit on the card but I would use it basically right after the XX/XX/XXXX and it was confirmed that so long as it's on the card by XXXX on the XXXX it would be reported. I paid {$400.00} of my {$500.00} balance on XX/XX/XXXX and I proceeded to use my card on XX/XX/XXXX as I explained to the XXXX XXXX XXXX representative. Finally, on XX/XX/XXXX I got a notice from the credit bureaus that I had used 100 % of my credit card balance and thus my credit score was dropped 62 points with XXXX  and TransUnion + 45 points with XXXX. I called to discuss with XXXX XXXX XXXX because I had called to confirm this with a representative on XX/XX/XXXX solely for the purpose of avoiding this sort of issue. They said they listened to the recorded call however they do not feel I was " Mislead '' during the call. However, the representative told me clearly that my statement would close on XX/XX/XXXX as per usual. And that the change would take place starting in XX/XX/XXXX. It turns out that was incorrect information so I unknowingly used my balance sooner than it was reported. I checked my XX/XX/XXXX and XX/XX/XXXX statements from XXXX XXXX XXXX which did not indicate a change in my statement close date, I also spoke with them on XX/XX/XXXX they didn't indicate the change in my statement close date, and when I changed my payment due date on XX/XX/XXXX they never indicated this change so there was LITERALLY no way for me to know about this change. Literally. Even with the fact that I called them one day before making my XX/XX/XXXX payment they did not inform me when I called to confirm my statement close date. And after all this, the complaints department has told me they will not change what was reported because they feel it is accurate and I was not misled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call and sent Experian proof about inquiries XXXX XXXX XXXX XXXX XX/XX/2019 XXXX/XXXX XXXX