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

My Ally car loan is showing late payments. I have been attempting to have the late payments removed by disputing every month since XX/XX/XXXX. I've disputed between the months of XX/XX/XXXX - XX/XX/XXXX. Each time the dispute is initiated - Ally reports updated information to XXXX, XXXX  and XXXX  changing the level of delinquency and in which months the payments supposedly happened. The Fair Credit Report Act explains that since the information is inconsistent it must be removed and not updated. I attached the latest example of how Ally is reporting different late payments to XXXX  and XXXX. Please help me to have all late payments removed from my credit reports.
Product: Mortgage

I have a huge complaint with Celink. My mother had a reverse mortgage with them, she passed away and I am the administrator on her estate. This company refuses to give me a payoff on the account so we can close on it. We have had the house under contract since mid XX/XX/XXXX. First there was tornado damage that the insurance company sent the money to the mortgage company and I had a really hard time getting those funds to pay for the repairs. I finally got the final payout on it to pay the contractor off XX/XX/XXXX, the tornado was XX/XX/XXXX. So now we are finally set to close but they won't send the payoff statement to the closing attorney. I have no idea what to do. We have worked so hard to get to the place to finally close now this. The attorney as well as myself have been calling trying to get a payoff statement but they keep saying 7-10 business days. We need this ASAP. Since we are supposed to close XX/XX/XXXX. Please help!
Product: Credit card

XXXX XXXX card ( Synchrony Bank ) closed my card with excellent payment history stating I had XXXX returned payments. I only had the card less than a year, maybe XXXX or XXXX months at the most! My bank was kind enough to concoct a letter and send it to them along with all my bank statements showing that nothing was ever returned. This fell on deaf ears and they refused to reopen my account, I did pay it off, against my better judgment and against my will, but I was trying to recover from a bankruptcy and improve my credit. Of course this dumped my credit down significantly this was back in XXXX or XX/XX/2023 that they close the card. Additionally, I called in and spoke to supervisors, and they scanned my entire account and never saw any returned amounts of money from my bank stating that essentially my payments were returned and they kept documenting and contacting the Department handled this issue ; again in deaf ears!! 
I noticed on my credit reports, recently, that they are reporting I closed the card! I can not believe that this is being allowed. When I try to fight them about it, they leave it there. XXXX credit bureau will remove it because they said that theyre only using the information given to them by XXXX/synchrony bank XXXX I had another synchrony bank account with XXXX XXXX and I immediately paid it off back then and got rid of synchrony Bank! This needs corrected because I know its pulling my XXXX XXXX down. They need to reopen my card. They have all the bank statements and a letter from my bank proving that return payments never happened! And still They turn a XXXX XXXX! Why are they allowed to do this?
Product: Debt collection

HELLO IM CONTACTING YOU ABOUT HUNTER WARFIRLD INC I BELIEVE THEY GO BY XXXX XXXX XXXX THEY HAVE BEEN HARASSING ME AND THREATING TO FILE LEGAL ACTION WHEN THE ACCOUNT WAS FROM BACK IN 2010 IT HAS BEEN PASSED 7 YEARS AND THEY ARE STILL ADDING IT TO MY CREDIT REPORTS I HAVE TRIED TO TALK TO THEM BUT THE DEBT COLLECTORS WERE SO RUDE TO ME AND BE CALLING AFTER HOURS WAKING ME OUT MY SLEEP THEY HAVE LEFT SO MANY MESSAGES ON VOICEMAIL ABOUT THIS MATTER I JUST WANT THEM TO STOP.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its lega obligation under the Fair Credit Re Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforni credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters..
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. 
XXXXXXXX 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: Credit card

On XX/XX/year> I ran my credit report and found that I have an open credit card on my account that didn't recognize. I went into the branch to ask about the balance and how I could access it. The member service rep said that he was unable to find an account associated with my social security number, although it shows on my credit report.
Product: Debt collection

This debt allegedly was a medical bill Rash Curtis collections tried to submit a bill one year ago for {$39.00} I got that disputed and deleted last year. The last time I saw this doctor was early XXXX. The doctor nor his representatives billed me for a dime. I moved out of the State in XXXX, this debt if correct would be over 7 years ago, XXXX Rash Curtis has falsified the date to cover their rationale for pursuing me on the old fictional debt. Rash Curtis was notified in XXXX of my attorneys phone number and address. Please help me resolve this collection that shows up on my XXXX  report.My attorneys state that they received no notifications from Rash Curtis of any outstanding debt after they got the {$39.00} debt disputed and deleted last year. Rad Curtis has never provided any prima facile evidence of a bill from my former doctor showing any balance due. XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was put in touch with what I thought was a legitimate distributor of liquor through XXXX. He had a XXXX page for his business. He stated that he had 2 cases of XXXX XXXX XXXX  available and he would sell them for a reasonable price. If I purchased both cases he said he would include the shipping. Total cost for the bourbon was {$700.00}. He said he accepted XXXX as payment which my bank, Wells Fargo, has as a payment option so I figured it was safe since it was from Wells Fargo and not a third party. I sent him {$500.00} on XX/XX/XXXX and the remaining {$200.00} on XX/XX/XXXX. Wells Fargo has a limit of {$500.00} in 24 hrs so that is why I sent two different payments. After I sent the money the seller then asked for more to cover insurance. I then realized I had fallen for a scam and asked for my money back. The seller insisted I send him the extra money, when I didn't he stopped responding to my messages. 

I contacted Wells Fargo on XX/XX/XXXX and explained to them what had happened. I had to make 2 separate cases since there were 2 different payments made. They said they would review the case and contact the receiving financial institution. I was told if they didn't hear anything back in 1 week they would credit my account the money until there was a resolution. I called 3 times in XXXX trying to get updates and I was always told that someone would call back but no one ever did. I finally received 2 letters from Wells Fargo dated XX/XX/XXXX and XXXX 2021 stating that they were unable to recover any money and the case was closed. 

I would like to know how a financial institution such as Wells Fargo can offer a payment service with no protection offered.
Product: Debt collection

XXXX Today XX/XX/XXXX I received yet another ph call from these collectors ; The first time they contacted me I told the young lady she had the wrong number ; the call is recorded. This lady said to me ; You can go back to bed now! at XXXX ; XXXX in the afternoon. Making a XXXX comment to me while she's calling my phone number currently on the dnc list. I was livid ; Here is the message from the first call I received. It is an email from someone who was going to help me contact them back about a resolution, but he never called back. 

Re : XXXX XXXX XXXX ME XXXX, XX/XX/XXXX, XXXX XXXX to XXXX I will call you XXXX when I'm available and off work. 
around XXXX. 

thanks On XXXX, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX wrote : Hi I called, but you didn't pick up. 
My number is XXXX. 
I want to speak to you about the calls you received to see if there's something we can do to help you. 
I'm actually heading out soon, but I do work XXXX if you're free then. 
Please let me know. Otherwise we can speak on XXXX. 

XXXX XXXX Head of the Research Team Law Offices Of XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX Who Are We : " We stop telemarketers at no cost to you. '' On XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX Hi XXXX, Thank you kindly for getting back to me so quickly. 
The telemarketer I called is XXXX XXXX XXXX is correct, they are actually located in XXXX XXXX. 

Just to be clear, they just called the one time? 

No, this was not the first time they called. 
I coded the phone to check the times but erased a few days ago. 

And it was a voicemail they left? Yes, I still have the voicemail. 
Did they call your landline or cell phone? 

On Wed, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX wrote : Hi I have zero tolerance for XXXX. I'm extremely disgusted by this telemarketer. 
The telemarketer that called you is XXXX XXXX XXXX. 
Just to be clear, they just called the one time? 

And it was a voicemail they left? 

Did they call your landline or cell phone? 

XXXX XXXX Head of the Research Team Law Offices Of XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX Who Are We : " We stop telemarketers at no cost to you. '' Wed, XXXX XXXX at XXXX PM, XXXX XXXX < XXXX XXXX XXXX Telemarketer 's Phone # : ( XXXX ) XXXX Description of the call : I returned call to advise I am on the DNC Registry ; XXXX ( who left the message for me to return the call and give location info regard another. She replied ; It does NOT concern her that my name is on the DNC Registry ; I yelled at her and told her it concerns me and stop calling my number ; the call was recorded. Sue then made a XXXX statement to me and told me I should go back to bed, as if I didn't have a job and lazy and XXXX. I want to sue this company for their XXXX remark towards me. the call was made at XXXX today with XXXX. 
-- -- This e-mail was sent from the form on https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting companies below and the Credit Bureaus since XX/XX/XXXX due to errant notation in the form of HARD INQUIRIES in my credit reports. The Bureaus have not responded to any of my letters and keep telling me over the phone that they cant open a dispute for me. The below merchants just send letters asking me to provide my social security and to sign letters for them which I wont do. According to the Fair Credit Reporting Act, before releasing a consumer 's credit report, clear permissible purpose is needed and I have not provided that since I have NEVER requested credit for the below companies : I request that the Bureaus rescind the errand notation immediately as it is hurting my credit. 

On XXXX : 1-XXXX XXXX/XXXX on XX/XX/XXXX 2-XXXX XXXX on XX/XX/XXXX 3-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX/XXXX on XX/XX/XXXX 5-XXXX XXXX XXXX on XX/XX/XXXX 6-XXXX XXXX on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX 8-XXXX XXXX XXXX on XX/XX/XXXX 9-XXXX XXXX XXXX on XX/XX/XXXX 10-XXXX XXXX XXXX XXXX on XX/XX/XXXX On XXXX : 1-XXXX XXXX   XXXX on XX/XX/XXXX and XX/XX/XXXX 2-XXXX on XX/XX/XXXX 3-XXXX/XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX XXXX  on XX/XX/XXXX two times &  XX/XX/XXXX two times as well 5- XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 6-XXXX/XXXX/XXXX on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX 8-XXXX XXXX on XX/XX/XXXX 9-XXXX XXXX/XXXX on XX/XX/XXXX 10-XXXX/XXXX on XX/XX/XXXX On TRANSUNION : 1-XXXX/XXXX XXXX XXXX on XX/XX/XXXX 2-XXXX XXXX XXXX   on XX/XX/XXXX three times! & XX/XX/XXXX 3-XXXX on XX/XX/XXXX 4-XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 5-XXXX XXXX XXXX/XXXX on XX/XX/XXXX 6-XXXX XXXX XXXX on XX/XX/XXXX 7XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 8-XXXX on XX/XX/XXXX 9- XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX The only merchants that have answer just keep requesting further personal info, but cant provide me with further info as to who gave them permission to perform a Hard Pull on my credit without me providing permission to do so or without me even applying for their services. 

PLEASE HELP!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card collections accounts opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX  on XX/XX/XXXX, under account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Please see attached documents Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately. 

Account numbers : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I was given the American Express e-gift card on XX/XX/23 in the amount of {$35.00}. I have confirmed the card is active and the balance is available, yet when I have tried to use this gift card following every rule as outlined by American Express, the card is declined. I have always processed purchases for under the {$35.00} amount and it is declined each time. I have tried purchases from XXXX, XXXX, XXXX and XXXX. Each time, the retailer will hold a small amount ( {$0.00} ) and eventually, the hold is dropped because the purchase was declined. I have also attempted purchases using the card via XXXX XXXX without success. American Express has effectively left me with no method to access or use this gift card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Credit card was open in XX/XX/XXXX and is currently in charge-off status. The 3 credit bureaus are only reporting back to XX/XX/XXXX. I am trying to confirm how this account was opened, online, in person or via mail, etc. I am also requesting payment history between XX/XX/XXXX and XX/XX/XXXX. I believe the date that this account should have stopped reporting has passed. I have attempted numerous dispute to obtain and verify information regarding this account. The result of the disputes is always updated with insufficient information. Please verify the creation of this account and provide payment history between the origination and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 I found out that I had become a victim of identity theft, in reviewing my credit report I found a credit card account in the amount of {$500.00} for XXXX XXXX XXXX . I have NEVER applied for such card or used this account. I filed an FTC and police report and sent them to XXXX XXXX  but have not had any contact or resolved the account.
Product: Credit reporting or other personal consumer reports

In XXXX XXXXI requested verification of debts and update name and address with Experian. And also requested they send proof of the verification which they did not provide.
Product: Debt collection

this money from a credit card upon in XXXX, was paid by the insurance that I had within my card in case of unemployment or loss of income. insurance payment in full the entire amount of money. the XXXX XXXX XXXX sold it without telling me to " XXXX, XXXX XXXX XXXX, XXXX '' and they sold it to another company without information I have is happening. In XXXX " Asset Acceptance , LLC '' buy this debt without having a legal document, there is no legal or original contract between them and me. and they an tried every possible illegal methods phone calls at all hours and on weekends, they took the case to court without telling me, sending letters to an address where I do not live, now they still call my employer and have filled documents cut without my presence or my knowledge, they are forcing my employer to collect my salary money they ask to pay that debt. Now my employer is giving me a finalized to leave my work because of this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX automatically enrolled me in a service that is showing I have poor credit even though I have never been late on a payment. The service is run by Experian, who whose score internally on their own report is considerably higher. Even using their own rubric, I do not have poor credit. I believe this is a pretense to charge higher interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an XXXX XXXX XXXX. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX  DATE OPEN : XX/XX/XXXXBARCLAYS BANK DELAWARE DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position
Product: Consumer Loan

I have reviewed my XXXX Credit Report and have found multiple issues with out of stature accounts reported as collection charge offs with various creditors as well as Student loans being reported 30 or 60 days late while under deferments. I also identified erroneous billing issues due to promotional interest rates of 0 % for 12 months being billed at 21 % and my inquiry to this with the credit directly goes ignored.
Product: Debt collection

XXXX of 2023 I received a collection for {$5000.00} saying it was from XXXX, I already resolved the issue since I wasnt of age to even open a sprint account they took it off my credit. This company is buying old collections and re opening them to show up as a new collection, this debt is over XXXX XXXX XXXX this is illegal and its been off my credit for years so to put it back on my credit report is fraudulent. This is not my debt, this is scam and goes against the FCRA requirements. If it says it does its ONLY because they reposted it on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information on credit report.
Product: Money transfer, virtual currency, or money service

Everything that happened is on the attachments I have hundreds of email like you can see started last year and here we are still after over XXXX in fee I have proof of it too still no money. Started with a simple {$250.00} investment then a {$3000.00} was added of a payment sent by a friend then the money have been growing because they used the money I send instead of releasing it to me. And they have control of my account on there side not me.
Product: Checking or savings account

Despite several years of complaints, Citizens bank refuses to update the security level of their online banking systems to the current century. While most, if not all, financial institutions enforce complex passwords with special characters and offer, if not require, 2-steps authentication, Citizens forbids the creation of secure passwords by refusing to allow special characters during password creation or update. This results in either weak passwords or passwords over 25 or 30 characters long, which are impossible to remember. There also does not seem to be a way to enable 2-steps authentication. This kind of criminal negligence puts my money and the money of each and every one of their personal and business customers at risk.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX