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

On  XX/XX/XXXX , I opened an account with  XXXX  for cellular service. After a few days, I decided that this was not a good plan for me. I closed the account and return all the equipment on  XX/XX/XXXX . On  XX/XX/XXXX , I received the first notice relating to this matter from  McCarthy, Burgess and Wolff.  I never received any communication from  XXXX . After receiving that first noticed, I immediately called  XXXX , spoke to  XXXX  #  XXXX , she stated that she could not pull the records and that I would need to speak to a lawyer. She transferred me to th e Collection Agency,  I spoke to  XXXX   (  operator ), and she then transferred me to  XXXX   XXXX  (  XXXX  ext  XXXX . I explained that this should never had been sent to collections, because all the equipment was returned on  XX/XX/XXXX . Furthermore, the  XXXX  statements have the wrong address. That is not my address, nor as it ever been.  XXXX  stated that she would submit a dispute on my behalf. Then, on  XX/XX/XXXX  I called and spoke to  XXXX , she said that the dispute was never done by  XXXX   XXXX . She said that she would put in the dispute and that I need to wait 30 days. I asked to speak to the supervisor  XXXX   XXXX  ext  XXXX . Explained the situation, he said that he would call me back, but he never did. I called him back on  XX/XX/XXXX , where I had to repeat the issue to him, he said that he needed to file the dispute again. He could not give a time frame for resolution. He was unethical and did not do what he said he would do. The bottom line is that that  XXXX  put me in collections unlawfully, which impacted my credit report for equipment that was returned on  XX/XX/XXXX . I have attempted to resolve this matter with the collection agency and  XXXX , but neither is responding accordingly. I should have never been put in collections for this matter. Furthermore, the impact on the credit report effected my ability to get business loans for my business.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX someone from cash app call me around 2 something Im the afternoon and said he was trying to fix my co workers account because I cash app her {$360.00} on XX/XX/2020 and her account was locked and they was trying to fix it Im the mean time they asked me to download this app on my phone and said the call was being recorded then they was talking and then asked me to send {$850.00} dollars to someone name XXXX and I told them I didnt know her so why am I sending money to her so they sent out my account {$850.00} so now Im trying to see why they take my money and send to the lady but them they was like Im finna send it back to you instead the sent {$2000.00} to someone name XXXX which said it was XXXX XXXX  from cash app them another {$2000.00} to XXXX again then sent {$2000.00} to XXXX  which I know her so I told her to send my money back and she said cash app had her send my money to some man name XXXX so I reached out to cash app thru email for and Unauthorize payment and the contacted me thru And asked me to answer 6 questions which I did on XX/XX/2020 and then they keep emailing talking about they cant do nothing about a Completed transaction contact the recipient I try to contact the Recipient and a recipient declined and blocked me and I let cash app know that also so they just keep sending me the same message as they cant help me and Im talking about {$6800.00} these ppl took from me
Product: Credit reporting or other personal consumer reports

Information on my credit report continues to report inaccurate after I requested an investigation. Under the FDCPA you can not report inaccurate information. This is causing me daily XXXX  and XXXX. I can not get approved because of this inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute with XXXX credit bureau dispute department but they still refuse to change the reporting on my credit card, which shows 1 month late payment in the month of XX/XX/2016. I advised XXXX that during the month of XXXX and XXXX, I was in XXXX visiting family for XXXX and I was involved in a car accident. I was XXXX  for 6 weeks and could not get back home to the US and did not have to my check books or online login to pay my credit card because my laptop was smashed in the accident and my login info was stored on the notes in my laptop and autosaved in my web browser, so I did not have access to this info when I was XXXX. I requested from XXXX to understand my situation and remove the " 1 month late payment '' reported on my credit history, but they refused to take action. However, XXXX XXXX XXXX XXXX understood my situation and they amended their records to remove the 1 month late payment they had similarly imposed on my account with them. I do not understand why XXXX can not understand this matter!!!??? 
Before XX/XX/2016 and after that month, I have been running my account in a pristine manner and have run my 2 accounts with them without ANY late payments at all ( my credit score of XXXX at present ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  - XXXX is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. When contacting them back to stop contacting and put me on do not call list, I was told they do not make phone calls which is a lie and very unacceptable practices. I am sure this is a violation of the FDCPA. It is the CFPB 's job to protect the consumer and ENFORCE the LAW. XXXX has also never validated the alleged debt they CLAIM I owe. And they are also not honoring my request to opt out which I have sent sever times which is also an unlawful act on their behalf. Please forward to general counsel. 16 CFR Part 313
Product: Credit reporting or other personal consumer reports

I have my personal statements on my XXXX such as XXXX, transunion and XXXX that are reflecting that affects any newly applied credits of mine to any Financial Institutions and also, my old phone number is the one listed for fraud alerts indicated on the personal statements or consumer statements on each Federal credit monitoring XXXX XXXX which precisely incorrect and I am requesting for a removal of all the personal statements on every Credit Bureaus its all made available and reflecting. And also, update my phone number from XXXX to XXXX as it is my updated, new contact cell phone number i basically have and using now already from XXXX. XXXX
Product: Debt collection

Attempts to collect false debts through a third party company. Same company and alleged two separate payment debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACHED OUT TO XXXX, EXPERIAN, AND XXXX NO LESS THAN 3 TIMES. I HAVE PROVIDED THEM EACH WITH THE REQUESTED STARTING WITH 1022.54 Duties of users making written firm offers of credit or insurance based on information contained in consumer files- section 604 ( c ) ( 1 ) ( B ) of the FCRA ( 15 U.S.C. 1681b ( c ) ( 1 ) ( B ) ), except for a person excluded from coverage of this part by section 1029 of the Consumer Financial Protection Act of 2010, title X of the XXXX XXXX XXXX Reform and Consumer Protection Act, Public Law 111-203, 124 Stat. 137 AND 1022.123 Appropriate proof of identity AND THE REQUESTED FTC REPORT. 
THEY CONTINUE TO REPORT THE FOLLOWING ILLEGAL INQUIRIES WHICH I DID NOT GIVE MY PERMISSIBLE PURPOSE... 

XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX PLEASE HELP ME AS THESE FALSE OUT-OF-COMPLIANCE INQUIRIES ARE STOPPING ME FROM GETTING APPROVED FOR A HOME FOR MY FAMILY. THESE INQUIRIES ARE CAUSING ME DETRIMENTAL HARM MENTALLY AS WELL. I SHOULD NOT HAVE TO CONTINUE GOING BACK AND FORTH WITH THESE PARTIES. 

CFPB PLEASE HELP AS MY NEXT STEP WILL BE TO REACH OUT TO CIVIL RIGHTS LEADERS TO HELP ME AS MY CONSUMER RIGHTS CONTINUE TO BE IGNORED. 

PLEASE REMOVE THOSE INQUIRIES FROM MY REPORT IMMEDIATELY.
Product: Credit card or prepaid card

My Wayfair Citibank had a charge of {$69.00} on the credit card from XX/XX/XXXX, and I contacted the credit card company on XX/XX/XXXX to dispute the charge. The fraud department cancelled the card and sent me a replacement card. However, they didn't reverse the charge for the investigation period. 
I continued to receive calls for the collection of the amount stated above. I explained to the customer service the situation that the charge was fraudulent and that the card was closed and reissued. The CS would try to put me in touch with the dispute department and it was either closed for the day or the call would accidentally be disconnected. 
This occurred several times. At some point, I requested that they stop calling me for this past due amount, however without fail, they continued to contact me as if no previous conversations had been documented in their system. A fresh conversation every time! 
I received a letter dated XX/XX/XXXX ( copy attached ) from Citi Cards, that indicated they would not be contacting me for this past due amount. However they continued to call me to collect the amount outstanding, including the late fees and interest. 
I received another letter dated, XX/XX/XXXX ( copy attached ) stating the account was past due and to make a payment. In addition to the letter, I received daily calls and some emails to collect the balance and to rate their service... 
On XX/XX/XXXX I had another conversation with CS who was contacting me for collections of this past due amount. I filed another dispute online, due to the Dispute department being closed for the day. 
Today, I received another call requesting payment as if nothing over the past month and half had taken place. The CS rep, XXXX read through the notes and put me in touch with the Disputing department. 
The person I spoke with, XXXX attempted to cancel the replacement card and reissue a new card. I explained to this person that, that had already occurred and she seemed dumbfounded. 
She put me on hold and came back to tell me that they would reverse the charge and late fees today. Unfortunately, I have XXXX confidence and don't believe they will resolve the matter or that they are capable to managing a credit card company. 
I expect I will receive another collection tomorrow, even thought they agreed to not contact me on XX/XX/XXXX. Hence the complaint!
Product: Credit reporting or other personal consumer reports

This is a formal complaint regarding the ongoing inaccurate information being reported by TransUnion on my credit report. I have taken the necessary steps to dispute these errors and provided supporting documentation, yet the incorrect data continues to remain, causing harm to my credit score and overall financial standing. Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of reported information and to delete any disputed and unverifiable data.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of i nquiries 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 or other personal consumer reports

I am a victim of identity theft, and as a result, unauthorized accounts and hard inquiries have appeared on my XXXX credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries were not initiated or authorized by me, and they are causing significant harm to my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting negative information on my credit file without due diligence. They are using unverified information from a collection agency. The name of the collection agency is XXXX XXXX XXXX, XXXX. I put a dispute in and by law, the credit bureau should not be reporting negative information under investigation. They should have taken off until due diligence is taken. I sent a letter for validation to the collection agency and they continue to send me generic correspondences. I have sent certified mail with specific questions for them to answer because it is my constitutional right to know what the debt is and how much they paid to acquire said debt. Furthermore, I asked for any contractual agreement between me and said company XXXX XXXX. 
I also sent the credit bureau a certified letter stating my rights whereas they are reporting inaccurate information and should take it off my credit report because it is jeopardizing my ability to get a loan to help my children through college. 
It is an unfair practice for companies to be allowed to report negative information without proper validation. A statement ( a bill ) or a letter from originated creditor is not suffice as validation. I need for said companies to provide the law that states otherwise specifically. Also, would like for my certified letters to be answered directly and not given generic responses and still be liable for invalid information.
Product: Credit card

Ensuring prompt payments on this account has been my priority, never allowing them to lapse. The presence of late payment remarks on my accounts leaves me uncertain. Under 15 USC 1666b - Billing Error, corrective measures are called for.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and notice inaccurate personal information reporting
Product: Debt collection

XXXX XXXX XXXX Came to my house for my boyfriend. When they could n't get a hold of him, they knocked on my neighbors door and told them while we were gone, also asking my neighbor questions about his location and how they could contact him. This put my children 's housing at risk as I am XXXX, on a fixed income and do not need neighbors complaining on me for a debt that is not even mine to my landlord. The lady 's name is XXXX XXXX, from XXXX XXXX XXXX in New York. Reference # XXXX. I called them and chewed them out. I asked them to not come back or I would call the police. I also asked them if I needed to send them anything in writing and she said No. I understand debt collectors coming to one 's house ( I think it is disgusting, but I know it is " legal '' ), with that said, They involved my neighbors and put my housing and that of my children at risk ... I want them to stop. I did not give them any information on XXXX XXXX and would n't dream of doing that under any circumstances since they are NOT law enforcement. This happened between XX/XX/XXXX am on XXXX17.
Product: Mortgage

I have been in the process of getting my home refinanced since XX/XX/XXXX I am writing this on XX/XX/XXXX. I have been ignored by members of this company, I have been fed excuse after excuse from this company and have had my loan officer changed multiple times. The latest most unforgivable offense, has just happened this last week. after confirming the closing and signing date I received an email from the company to e-sign the last documents. These documents were not in my name, they were instead in the name of my step father who was supposed to be coming off of the loan. we are now potentially needing to delay the signing of the refi that has already taken almost half a year to process because of their incompetence. The only reason I had even considered going with Freedom Mortgage was because they currently hold my loan. I made the mistake of assuming that because I had never had an issue with them when paying my monthly mortgage I would have no issues doing my refi with them. I could not have been more wrong. The final straw that made me write this complaint was a phone call I received today from them, at my place of business, to confirm my stepfathers employment. My stepfather doesn't work where I work, he is long since retired and has never worked at my work. This was 4 days after calling and notifying them of their mistakes. clearly they had not stopped what ever process they had started and their company is wildly disorganized. furthermore I am concerned that with this blunder that other errors are being made. is my stepfathers credit being run? he never authorized it if it has. It only leaves one to wonder what other mistakes are being made that no one is noticing. I would never, ever recommend Freedom Mortgage to anyone I know
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Disputed {$1000.00} collection on my  XXXX  and Experian reports, providing documentation that the account was not past due and payments were being submitted  XXXX  Sent letter to collection agency disputing the amount  XXXX   XXXX  sent a letter stating that they had removed the collection amount from my report  XXXX  Sent the  XXXX  removal to Experian  XXXX  Checked my credit reports and both   XXXX    and Experian had the same amount on my credit report again from a different collection agency  XXXX  Submitted online dispute of the item  XXXX   XXXX  reported that the investigation was complete ( same day response ) and the item would remain until   XXXX    XXXX  Submitting copies of evidenc e to   XXXX  and Experian to dispute again
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit that are not mine and unknown. I need these to be removed as soon as possible
Product: Vehicle loan or lease

I purchased a 2018 XXXX XXXX in 2018, which was financed by Ally Financial. I purchased Gap Insurance at the time of financing. The vehicle was involved in an accident XXXX XXXX declared a total loss. XXXX XXXX paid Ally {$27000.00} ; the amount calculated as the value of the truck according to their records. This amount did not satisfy the loan, so I followed up with Ally in reference to the Gap coverage. Ally proceeded to inform me that they did not hold the Gap Insurance and that I needed to contact them. I inquired as to the name of the carrier and several telephone numbers were provided. I contacted one the numbers and the assistor answered Ally Financial, this left me very puzzled. I proceeded to inquire about the procedure for filing a claim to have he loan satisfied ; the assistor advised of several actions and documents that I needed to provide and that I would probably need to contact the dealership for some of the information. I contacted the dealer, obtained the requested information/documents and forwarded to Ally. After a few weeks passed I contacted Ally to check the status. I was informed that it was still being reviewed and once a determination was made payment would be issued. A payment of {$51.00} was made toward a balance of approximately {$1700.00}. This amount is continuing to accrue penalties and interest as an unpaid balance. From what I was advised it is also being reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I have so many times before has disputed this account with XXXX XXXX. XXXX XXXX is lying and continuously reporting accurate information to all 3 credit bureaus. I have disputed with all 3 credit bureaus as well.
My last complaint world finance 3rd paragraph ( 3rd loan # XXXX ) was opened on XX/XX/XXXX. XXXX say my 1st payment was due XX/XX/XXXX and NO PAYMENT WAS MADE!! I On my credit reports world finance its showing I did pay XX/XX/XXXX & XX/XX/XXXX ( I have uploaded the credit reports ) and paid on time. THIS IS PROOF that WF IS LYING AND STEADY REPORTING INACCURATE and UNVERIFIABLE INFORMATION. 
I have sent certified letter, visit and called in person the branch in XXXX which I open the account and asked the manager to please let me have a copy of my pay history and contract, the branch did n't have it and said they going to have home office to mail it to me, that been over 3 months ago. I also call the corporate office and left several messages. I spoke to XXXX XXXX today ( XX/XX/XXXX ) at XXXX she said she do n't have any records I have to get them from branch office. I asked XXXX XXXX if they do n't have records at corporate office how are they replying to CFPB and the credit bureaus. She said by the computer. XXXX XXXX called the branch office and spoke with XXXX. XXXX XXXX told me to go to branch office tomorrow and she have my documents. XXXX XXXX said the only reason they would n't have it if the account was sold and I told her the account was not sold it reporting to credit bureaus. I told her the account that was sold to XXXX XXXX was deleted from my credit report because XXXX XXXX could n't verify or send me any supporting documents just as XXXX XXXX can not but steady reporting negatively to credit bureau. 
As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages. If this account is not removed from all three credit reports IMMEDIATELY I WILL SUE under the FCRA!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXXXXXX XXXX  account is being reported 30 days late when its not.