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

On XX/XX/2022 I purchased a 2022 XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my Equifax score, with seven institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by Equifax and the other credit reporting systems I use of the inquiries made by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Bank, XXXX XXXX and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to Equifax through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into Equifax to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that XXXX of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.
Product: Credit reporting or other personal consumer reports

Being a knowledgeable customer who is aware of the Fair Credit Reporting Act ( FCRA ), I am utilizing my rights as outlined in Sections 609 and 611 to dispute these errors and ask that they be fixed.

I'm very worried and distressed about the discrepancies that I found because they could negatively impact my credit. It is concerning and unsettling that there might be a detrimental effect on my well-established reputation for upholding perfect financial standing. 
My urgency in this matter is increased by the knowledge that these mistakes may affect how prospective creditors view me. Your prompt action to correct the errors on my credit report is crucial, as evidenced by the potential difficulties I may encounter when applying for credit.

According to FCRA Sections 609 and 611, I respectfully ask for your prompt response. I sincerely hope that this matter can be settled quickly in order to get rid of the unnecessary mistakes that have been reported on my credit report. 

Finally, I would like to express my gratitude for your quick response to this important issue and my hope that it will be resolved soon. Do not hesitate to get in touch with me if you need any more details or explanation. For your time and anticipated cooperation, I thank you in advance.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 convictions 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: Debt collection

I was called by First Financial debt collection agency and I tried to call back but could n't get anyone on the phone. I was so worried I pulled my wife 's and my credit report just to find that nothing was wrong. I finally got a hold of someone to find they contacted me in error but now it still shows an inquiry on my report. I do n't know why they called me and it should never of happened because it made the XXXX of us panic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$3300.00} XXXX XXXX {$3100.00} XXXX XXXX {$1400.00} XXXX {$530.00} XXXX XXXXXXXX {$15.00} XXXX  XXXX {$22.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2020 I have been receiving bills from XXXX XXXX in XXXX, CA and I've never been able to speak to someone. They had a voicemail set up but nobody ever called back. I've always had Health Insurance and now I received XXXX bills from XXXX XXXX XXXX XXXX XXXX totaling {$900.00}. I do not owe this and nobody is helping me
Product: Credit card

Got a Citi Bank card XX/XX/2023 0 % interest. Paid every month. They sent me an offer for a XXXX, 8.99 % interest rate. I accepted. On XX/XX/XXXX I paid the remaining balance on my original card. Paid it before the interest started. the balance I paid was XXXX. This should have ended there. They took the original agreement and made it null and void. they are charging me 21.99 % on part of the balance that should have been paid off in XXXX. I am not happy about them breeching the contract I signed. I need some XXXX assistance in this matter.
Product: Debt collection

On XX/XX/2017, I ended my service with XXXX. I paid my final bill and there was a small balance left over for the devices that I had under a payment plan.I remained in consistent contact with XXXX and the bill for those charges came due on XX/XX/XXXX. On XX/XX/2017 I called to discuss arrangements for the bill. I 'm waiting on my new phone carrier to provide me with the funds to pay XXXX out, but in the meantime I understood that my bill with them was due so I called and asked for a settlement since I do n't even have ownership of the phones anymore. Each representative that I spoke with on that date acted as if they did not understand what i was asking for. On Monday, XX/XX/2017, I received a call from Convergent Outsourcing on behalf of XXXX stating that my account is now in collections. I immediately called XXXX to inquire about why they sent my bill to collections without any warning or notice. My bill just came due at the beginning of the month and they are in violation of Section 806 and 808 of the Fair Debt Collection Practices Act. They had no right to send my account to collections. According to a customer service representative with XXXX, they sent the bill to collections on XX/XX/2017 and can no longer speak to me on my account. It is ironic that ONE day after I called to make arrangements on the account I all of a sudden am being sent to collections. Someone either assumed that I was n't gon na pay or sent to me to collections because I asked for a settlement and I did not ask them to do that. They can ruin my career of this were to go any further. I settled the account yesterday with XXXX XXXX at Convergent Outsourcing. She promised to send me a letter immediately confirming that the account has been paid in full. I have not yet received it and every time I call back I am told a different story. This is a complete nightmare that would have never happened had XXXX not broken the FDCPA when dealing with this account.
Product: Debt collection

After pulling my credit report as a  XXXX   year old  in   XXXX   XXXX   I discovered  XXXX  and  XXXX   XXXX  had placed an account onto my credit report with all bureaus. I have absolutely no knowledge of this account and immediately proceeded to take the proper steps to identify the account. After calling and speaking to a rep I was given the name of the original creditor whom I contacted shortly after. After speaking with the original creditor by giving my social I was able to find out that the account that existed did not match my legal first name what so ever. From there it was n't hard to determine that someone had fraudulently used my social security number and attached it to their own name.     I contacted the office several times via written letters demanding that they provide me with proof that the account that existed on file was in fact mine. In my validation request letter I disputed the entire amount, explaining that the account was opened while I was an 18 year full time old college student living in a completely different state.     Each time  XXXX  and  XXXX   XXXX  has failed to respond and provide me with any verification that I owe the debt or any documentation/proof from original creditor. After speaking with a lawyer it is my understanding that under FDCPA, I have the right to debt validation and a collection agency must prove that they have the legal right to collect a debt.     This fraudulent collection account had prevented me from receiving/opening accounts and ultimately caused me a considerable amount of hardships over the past 6 years.I am reaching out to the  Consumer Financial Bureau as  a last step in order to avoid legal action.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX, I ordered items from XXXX totaling {$270.00} which included the amount of {$260.00} for furniture ( XXXX XXXX XXXX XXXX XXXX Afterpay XXXX XXXX XXXX was used to facilitate the credit transaction, and I have been required to make scheduled payments of {$69.00} on the order every two weeks, following a down payment. 

XXXX, I was sent an email from the merchant XXXX ( on their platform ) indicating that the furniture portion of my order had been shipped via XXXX, and should be received no later than XX/XX/year>. The XXXX shipping receipt provided to me by XXXX upon the alleged shipping of the furniture, also serves as an indication that it was never actually shipped by XXXX ( see attachment ). Please note, it has not been received as of the date of this complaint. 

On XXXX, after not receiving my purchase and being given the " runaround '' by XXXX regarding this matter, I filed an online complaint with Afterpay, which they ultimately responded too by repeating XXXX 's false claim that the furniture was delivered " in the mailbox '' at the designated delivery address, which is not only false, but also impossible. Afterpay apparently accepted the merchant 's obvious false claim, denied my refund, and continues to withdraw payments from my bank account for merchandise I never received. 

On XXXX, in response to a complaint that I initiallyfiled with them, XXXX forwarded a correspondence indicating that a " chargeback '' was in progress, directing me to " contact my financial institution '' which would be Afterpay in this instance ( see attachment ).

As of this date, Afterpay continues to give me the " runaround '' and has not refunded any of my money, and they continue to withdraw funds from my checking account, effectively facilitating and participating in the fraud against me.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally dispute information on my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). I have obtained a copy of my credit report from your agency and have found inaccuracies that I believe need to be REMOVED The specific item I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX According to Section 605B, consumers have the right to dispute inaccurate or incomplete information in their credit reports. The information listed above is incorrect because " I have never had an account with this creditor.

I kindly request that you investigate this matter and correct the inaccuracies on my credit report. Please provide me with a written confirmation of the results of your investigation and any changes made.
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 1681. 

Account Name : XXXX XXXX Account Number:XXXXXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 convictions 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the mortgage company to inform them of inaccurate reporting of payments and loan balance. I have made several attempts to get the mortgage company to make the correction from XX/XX/XXXX to XX/XX/2019. The mortgage company did confirm payment was paid on time and the correct loan balance, however they will not make the correction with the Credit Reporting Agencies. I disputed the items XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 with credit reporting agencies. The Credit reporting agencies stated that information was verified is accurate will not update the credit report with most accurate information. No supporting evidence of the balance and payment history was provided to support the decision.
Product: Credit card

I contacted Kohl 's credit card on XXXX/XXXX/2017, managed by Capital One to set up a payment arrangement to prevent my account from closing and going into collections. I set up a verbal payment arrangement to pay the minimum due on XXXX/XXXX/2017. The agent who took my call stated that on that day when I made the payment to call to get the late fees refunded. She also stated she would notate my account of the payment arrangement. I made the minimum payment of {$200.00} on XXXX/XXXX/2017 and I called on XXXX/XXXX/2017 to get the late fees refunded, only to be alerted that my account closed a fee days earlier. I spoke with a Supervisor who was going to pull the call to find out what happened and after not hearing anything for a few days, I messaged Kohl 's via XXXX. I was contacted by XXXX with the " President 's Office '' who stated she was going to pull the call. I called XXXX last week after not hearing anything and I finally heard from her on XXXX/XXXX/2017 and she stated that the agent notating the account of the payment date we discussed was not a payment arrangement and that they were under no obligation to open the account. Also they stated the agent was under no obligation to tell me that my account would be closing before the payment arrangement date. This is unacceptable when I honored the verbal payment arrangement with Kohl 's and even paid a day early.
Product: Mortgage

This complaint extends complaint ID XXXX and complaint ID XXXX. In the two previous complaint I forgot to mention that never once did Wells Fargo even or ever tell me the error that was made that was being paid for. They just sent me a low ball cashiers check and controlled mediation in a way I would not be able to fight to get back the {$19000.00} on estimate i lost that Wells Fargo stoled from me. They never explained their errors in any letter they ever sent me and like I said they just kept repeating it was only a piece of the modification mediation girl kept saying. Even when they are sued over and over and over again they just keep trying to steal from customers and try to close down accounts and transfer loans instead of paying to make it right. I have been affected by atleast XXXX different bad faith or XXXX  acts Wells Fargo has done to me over the course of 11 years. Everything from them lying on modification, stealing from my mortgage, low balling with little cashier checks on settlements they should've paid, lying during mediation to pay as least as possible, to them charging me overdraft after overdraft on my business checking and savings accounts XXXX XXXX  every over draft. To them opening up accounts I did not authorize and more. I really truly believe the CEO and people who are at the top of this company should face criminal charges. You know after all this Wells Fargo keeps having one guy answer all these complaints I send in to the CFPB and XXXX that one guy just keeps justifying. I will complain with the FTC and many more till something gets done if nothing is done this time. They transfered my load out in hopes they can sweep all this under the rug and forget about it. If they wanted to put it in the past then they need to stop making excuses and lying sending their low ball cashier check and hiring people who want to do the same for mediation. Wellsnfargo is not a good company they are a criminal enterprise who can't even pay out the money the CFPB fines them without trying to XXXX their customers out of that money too.
Product: Credit card or prepaid card

I have XXXX set up on Discover so that they withdraw the minimum amount every month. I also make additional payments throughout the month to offset any charges I incur during the week, and in fact pay more back because I round up to the next {$10.00} so as to work on decreasing my principal balance, and I also try to make additional payment just for the interest charged. So then I expect my minimum XXXX to also go through, thereby further decreasing my balance. Well Discover instead of putting the additional payments to principal, they deduct it from my minimum due, until it gets paid first, and my payments then do not go to the principal. I have requested that they not do that, but to keep my scheduled minimum payment as is, and put the additional money toward principal. They say they can not do that, which is untrue. I would understand if I did not have XXXX set up/scheduled, that any amount paid would have to go toward minimum first, but in the case of scheduled payments, any additional payment should go to principal. This is just infuriating bc it prevents people working to get out of debt, to actually get out of debt and so that large companies continue to make huge profits off of us.
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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act First Progress, has violated my rights. 

I have disputed inaccurate information multiple times, as the accuracy of this account is not correct. However, it is claimed to be verified as accurate. Please see attached photos of last reported, payment dates that do not correlate with one another, account closed dates do not correlate and as well as payment status. Attached herewith is also a copy of a reimbursement check for a credit on the account.
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 Loan number XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Balance {$25000.00} XXXXXXXX XXXX XXXX Account XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Account numberXXXX Balance {$19000.00} XXXX XXXX Account numberXXXXXXXX Balance {$12000.00}, all has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 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 ( 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 convictions 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper reporting of medical debt. Medical debt is not allowed to be reported it until it is at least 365 days past due. 
The provider of the loan is completely insignificant as to the legal definition of medical debt. 
The company is completely reckless in allowing the customer care agents to assist with XXXX complaints and the proper reporting of medical debt. 
Medical debt is defined as debt that arose from the receipt of medical services products or devices. Please see attachment.

Due to an illness I was forced to incur debt that arose from the receipt of medical services thus medical debt. Medical debt can not be reported until it is at least 365 days past due.

The company must either prove that the alleged debt did not arise from the receipt of medical services and that it is more than 365 days past due. 
If they can not prove the above then it must be deleted from my credit report immediately. 
I have suffered damage and loss by the alleged medical debt being reported to my credit reporting agency. The problem was made worse by a non qualified agent responding to the medical debt investigation and XXXX  complaint. All she did is change the topic but provided no proof that its not medical debt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I have attached a identity theft report and ftc report to remove these inquiries