23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. I need the listed account to be corrected from my file right away XXXX XXXX Balance Owed : {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Product: Credit reporting or other personal consumer reports

I paid off my account with XXXX XXXX on XX/XX/XXXX. To date, it has not been updated accurately on XXXX, XXXX, or Transunion. XXXX XXXX is reporting the account on all three bureaus as late, and it has significantly impacted my score causing a XXXX point decrease. I ask that my score be updated immediately, because upon paying the account, they informed me that it would be reported at the end of the month in which the account was paid off, but they have reported inaccurately on XX/XX/XXXX and XXXX of XXXX to XXXX, XXXX, and Transunion, instead of reporting the correct payment amounts, the amount of last payment, the date of last payment, and the fact that the account is satisfied per the letter that i have attached to this complaint.
Product: Credit reporting 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 168b permissible purposes of consumer reports. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Debt collection

I am writing this complaint because I noticed a debt has been furnished on my consumer reports by a debt collection agency by the name of LVNC FUNDING LLC and its partner company RESURGENT CAPITAL SERVICES L.P . These collection agencies did not properly notify me of the alleged debt they are claiming I owe because I did not receive any letter from them in the mail regarding the alleged debt, they claim I owe. I was not given a chance to dispute the debt before they put it on my consumer reports with the NCRAs and I was not given the disclosure that it was an attempt to collect a debt. I have not been given enough information to verify the alleged debt at all. This considered a violation of the Fair Debt Collections Practices Act considering the lack of proper procedure. I searched to verify this company and did not see a license for both companies to collect in the state of Tennessee where I reside. I want them to leave me alone. They are ruining my general reputation and credit worthiness by furnishing unvalidated debts to my credit profiles.
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX Account # XXXX I looked at my XXXX credit report and noticed somethings are incorrect and incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information Concerning the individual about the report relates according to 15 USC 1681EB and according to 15 USC 1681 I ( 5 ) they are supposed to do this 5 treatment of inaccurate or unverifiable information ( A ) In generallf after any investigation under paragraph one ( 1 ) of any information disputed by a consumer any item of information is found to be inaccurate or incomplete or can not be verified the consumer agency shall ( I ) promptly delete that item of information from the file.

And according to 15 USC 1681 S -2 They are not supposed to 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 or other personal consumer reports

I am writing you FOR THE XXXX TIME to dispute Fraudulently Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACOUNTS. 
I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. IF YOU CAN NOT PRODOCE THESE DOCUMENTS Please DELETE these Inquires from - XXXX XXXX - XXXXXXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am a real person and no credit services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXX XXXX XXXX. Please also update this on my credit report. 
My current job needs to be updated, it is XXXX XXXX XXXX please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 

I WANT YOU TO DELETE THE inquires ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Experian is refusing to remove a collection account that is not mine. Ive spoke to XXXX about the account because the account is not under my social security number there and I know nothing about this account no information about it at all XXXX can not help me. I've disputed this account 5 times and each time Experian states its mine. however the creditor that is reporting the collection account is saying this is not accurate XXXX has searched my social security number XXXX times Experian refuses to remove inaccurate information. The last phones that I had with Experian I told them of my findings and that this account does not belong on my credit report I was told that XXXX has to remove the account although I stated several times that my social security number is not the one on this account an Experian representative told me its not their responsibility call XXXX. there is no way Experian is investigating these accounts for if they were they would know that this is not my account of my social security number on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY PULLED A CREDIT REPORT AND NOTICED SEVERAL ITEMS THAT DID NOT BELONG TO ME. THERE WAS A XXXX ACCOUNT(XXXXXXXXX) WITH A BALANCE OF $XXXX, XXXX(XXXXXXXXXXX), XXXX XXXX   (XXXXXXXXXX), A BANKRUPTCY (ref # XXXXsb/COURT: Us bkpt ct ca la),I HAVE NEVER FILED FOR BANKRUPTCY NOT SURE HOW THIS INFORMATION BECAME ATTACHED TO MY FILE BUT IT IS WRONG. THOSE OTHER ITEMS LISTED ARE ON MY REPORT AS A RESULT OF ID THEFT SO I AM ASSUMING THIS BANKRUPTCY IS A PART OF ALL THAT.
Product: Credit card

This credit card was never activated. 
A purchase of {$12.00} was made at the XXXX in XXXX, FL on XX/XX/XXXX. A XXXX card was presented for payment, not a XXXX card, yet this purchase was charged to the account referenced above, said card never having been activated. 
. Check # XXXX on our XXXX account, marked paid in full, dated XX/XX/XXXX, was sent out and our bank records show that an ACH withdrawal by Comenity Bank was made on XX/XX/XXXX. 
PROOF OF PAYMENT from XXXX account : XX/XX/XXXX ACH COMENITYCARD PAY CHECK PYMT XXXX~ {$12.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two fraudulent accounts on my credit report. One is from XXXX XXXX XXXX XXXX and the other is XXXX XXXX XXXX  Credit Card ( sold to LVNV Funding ). I have never allowed anyone to use my personal information nor have I ever conducted business with those companies. 

I have contacted XXXX XXXXXXXX over 32 times, I have expressed to them that I never obtained a loan from them nor do I have a drivers license. I have mailed and emailed them an official police report where it states that I am a victim of ID Theft. I have been trying to contact and get a resolution on this account but XXXX XXXX XXXX XXXX does not respond to any of my attempts to have this resolved. 

XXXX XXXX XXXX ( sold to LVNV Funding ). I have contacted XXXX XXXX XXXX  Directly and they agreed that the account is fraud and removed it from their system. LVNV Funding is now trying to collect on a fraud debt that was deemed fraud from the original creditor. I have called and sent an official police report to LVNV Funding and they are refusing to remove the negative item from my report. I explained to them that XXXX XXXXXXXX XXXX  has deemed the account fraudulent and that LVNV Funding shouldn't even be allowed to collect on a debt that was erased by the original creditor. They have never responded once to my many attempts to have this resoled.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX I have tried requesting a copy of my credit report over the phone and in writing, I have also tried getting a copy of my credit report from XXXX XXXX XXXX and Transunion, XXXX, and XXXX are refusing to allow me access to my credit report. I am requesting that they send me a copy of my credit report so that I can check the status of any accounts that are on there as there me be fraudulent accounts on my credit report. As a US citizen I am allowed a copy of my credit report, and I am also a allowed a free copy every 30 days
Product: Checking or savings account

On XX/XX/XXXX they placed my account under refview and will not give me any information. They did not notify they were putting my account on hold and froze my account and i did not find out until i went to make a purchase on XX/XX/XXXX. 

I have escalated multiple times and they accepted my paycheck but wont give me the money. I have a active XXXX XXXX case and they are in violation of the automatic stay by not releasing my funds. 

I want my funds sent to me and the account closed. I am fine if they dont want my business but they are holding my funds XXXX. I have {$2400.00} showing available but they are keeping it XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts listed on my credit report, and Im unsure why they are there. I routinely check my credit report, but this time I noticed unexpected discrepancies. I even refreshed my browser thinking it might be a glitch, but the inaccurate accounts remained. Due to this issue, Im requesting a thorough review of the documents I submitted to ensure I wont have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter requesting verification of a debt that was posted on my created report. This is a debt that I am very unfamiliar with and it randomly popped up on my credit report. I sent the company a letter to request verification over 30 days ago and today is XX/XX/2021. I demand this account to be deleted off of my credit report because this investigation took longer than 30 days, and according to the Fair Credit Reporting Act if the company does not respond the account must be deleted from the consumers credit report. If the company does not remove this debt from my credit report asap I will be forced to file for litigation against all who are responsible for reporting this inaccurate and unverifiable information on my credit report.
Product: Credit card

XX/XX/ Applied and was approved for comenity Victoria secret credit card but wasn't allowed to use
Product: Debt collection

LVNV FUNDING LLC {$690.00} XX/XX/2022 THESE NOT MY ACCOUNT I HAVE NO KNOWLEDGE OF THESE ACCOUNT NOR DID I AUTHORIZE ANYONE TO OPEN THESE ACCOUNT IN MY NAME. THESE CREDITORS ARE VIOLATED SO MANY OF MY RIGHTS AND I WILL LIKE THESES ITEMS REMOVED OR I WILL HAVE TO SUE THESE COMPANIES FOR EXPOSING MY PERSONAL INFORMATION. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY. PLEASE PROVIDE ME WITH A CONTRACT WITH MY WET SIGNATURE. 

In accordance with the Fair Credit Reporting dct. 
The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
LVNV FUNDING 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 an accordance with the written my instructions
Product: Mortgage

Wells Fargo Bank improperly denied my mortgage loan modifications, which has led to my home wrongfully being in foreclosure. Wells Fargo Bank has incorrectly denied my mortgage loan modification applications and miscalculated fees and other charges notwithstanding that I am a qualified borrower. 
Wells Fargo 's process for evaluating my loan modification applications was also affected by errors in the relevant calculation formulas. These errors resulted in an overstatement of the attorneys fees included in the calculation, which sometimes caused me as a qualified borrower not to be offered a loan modification. To date Wells Fargo has not addressed the error nor provide remediation to my mortgage account that experienced incorrect loss- mitigation outcomes, including wrongful foreclosure. 
Wells Fargo 's mortgage servicing operations experienced other errors that resulted in Wells Fargo assessing my mortgage unwarranted charges and fees, which include, failing to timely pay the appropriate amount of my property taxes; miscalculated the interest rate on my adjustable-rate mortgages and did not give me information about my ability to stop paying for expensive private mortgage insurance. Wells Fargo acts and practices has caused substantial injury to me.
Product: Debt collection

After reviewed the response from Equifax and being referred to customer representative XXXX GA,XXXX XXXX Customer representative one would think that you are calling XXXX GA, XXXX given the information you provided after Calling the number you provided the U.S number you provided someone from XXXX answers the the call Made it very hard for me to communicate.I ask that Equifax make aware that this is a customer representative in XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from my Sam 's Mastercard telling me my mailing address had been updated but I did not request this change.
Product: Debt collection

In XXXX I was an out patient at XXXX XXXX XXXX in XXXX XXXX NJ. I had visited XXXX XXXX XXXX PA on occasion in the past before XXXX. At the time my health care coverage was with XXXX XXXX XXXX however after my XXXX birthday when XXXX became my primary and XXXX XXXX XXXX XXXX unknowingly failed to update my coverage with XXXX XXXX XXXX XXXX Unbeknownst to me the office visit to XXXX XXXX XXXX XXXX unpaid. I DID NOT RECEIVE A BILL for the service and would have taken care of it had I known that it existed. I became aware of the unpaid bill when checking my XXXX Credit Report in XXXX. I never received any notification from XXXX XXXX XXXX nor from the collection company identified on my credit report as XXXX XXXX XXXX XXXX I feel that their Practices are Improper and unsavory. I am concerned not only about my situation but other individuals as well. If you look into this matter I believe that you will find that individuals have been victimized by this SCHEME. I have the ability to pay the bill. The bill is for {$120.00}. I should have been notified that it was outstanding and given the opportunity to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX
Product: Mortgage

I COMPLETED SEVERAL MODIFICATIONS FOR THE HOME AFTER GAINING EMPLOYMENT AND HAVE THE RESOURCE TO PAY IT MONTHLY. IT IS A HIGH BALANCE DUE TO NOT WORKING WILLING TO KEEP THE HOME. FAY SERVICING IS HANDLING THE LOAN WHICH IS IN THE ESTATE OF MY DECEASED HUSBAND. I HAVE A DEED AND WANT THE TO TURN THE LOAN OVER TO ME OR REPAYMENT OPTIONS TO DO TRIAL PERIOD WHICH THEY REQUESTED OVER {$15000.00} FOR MY FIRST MONTH PAYMENT AND THEN {$1700.00} FOR THE OTHER 2 MONTHS. I FEEL THAT MY ORIGINAL LOAN DOCUMENTS HAVE TO FRAUD IN THEM WHEN THE HOME WAS FIRST PURCHASED. I WOUL LIKE FOR MY ORIGINAL DOCUMENTS TO BE REVIEWED FOR FRAUDULANT TO GET LOAN APPROVED. I DON'T GIVE FAY ANY REASONS TO BELIEVE I HAVE {$15000.00} TO PAY THEM FOR THE FIRST MONTH AND THEY KNOW THIS. THIS IS A WAY TO DENY ME BEING IN MY HOME KNOWING THAT I CAN PAY $ XXXX MONTHLY AS THE TRIAL PERIOD REQUIREMENTS AS STATED FOR THE 2ND AND 3RD PAYMENT DURING THE TRIAL. I WANT NEED ASSISTANCE VERY BAD TO SAVE MY HOME. I'M A XXXX PERSON LIVING WITH MY XXXX CHILDREN AND BEEN IN MY HOME SINE XXXX AND WHEN MY SPOUSE PASSED AWAY IN XXXX THE MORTGAGE HASN'T BEEN PAID. NO TYP OF ASSISTANCE WAS OFFERED TO ME BY ANY OF THE OTHER LENDER 'S HOLDING THE LOAN. I WAS JUST TRANSFERED YEAR TO YEAR TO DIFFERENT LENDERS. NEVER TOD OF DIFFERENT PROGRAMS TO APPLY FOR ASSISTANCE. PLEASE HELP ME.
Product: Credit reporting or other personal consumer reports

Accounts being reported are manipulating the statue of limitations i have requested this info to be removed instead i got an credit report with the same information no changs
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 conviction 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: Checking or savings account

I have a Citi XXXX XXXX Account. For months I have been unable to transfer funds to or from the account from an outside bank on the mobile app. 
Everytime I attempt, the app says " error try again later '' or " we are unable to at this time ''. It has not been fixed for several months. 
Asking to speak to a chat representative does not lead to resolution as they force you to talk to a bot or the chat system fails and kicks you off. 

Being able to access your own money should be straightforward and transparent.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXX XXXXXXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Money transfer, virtual currency, or money service

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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.