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

I have contacted this company on several occasions on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX to update my personal information they assured me it can take up to 30 days to reflect the changes and still NOTHING! I sent them a letter also to correct my addresses twice still nothing which led me here. XXXX is reporting inaccurate information on my credit profile.
Product: Credit reporting or other personal consumer reports

Furniture store name XXXX XXXX XXXX XXXX XXXX XXXX l have made on time payments .used this company morer 10 years as. Report to credit bureau to Build my credit scores.. What has happened there inaccurately reporting records. Found on all 3. Credit bureau are. iNCORRECT. REPORTING All 3 Credit report agency credit r While making on time payments. .I have requested this company to fix this more 3x due to me now constantly bein. turn down. For lines. Credit.. This 2nd time l been denied for purchasing. New Home due to reporting. Delinquency.r .reporting scores While makein on time payments Never late.. Only time when there is something changes. when something been paid ooff or. New purchase some thing New just bein added.. I Noticed huge changes. My credit scores XXXX XXXXXXXX Were me my wife relocated XXXX XXXX.. While makeun on time payments.. I have kept documents receipts attached to portal. Shown no late payments been made. All on time
Product: Debt collection

I have been in a XXXX  XXXX XXXX  relationship for a number of years. I am finally out of that situation now as of XX/XX/year>. At some point in that relationship my XXXX  stole my identity and was able to open multiple bank accounts, credit cards, as well as loans etc under my name, however, I was unaware of anything that he was doing or has done. Now my credit and name is compromised and I do not know the full extent of my XXXX  crimes, and I do not know what to do to fix this. Please help if possible. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reported a discharged Bankruptcy Chapter XXXX from 2012 that has an incorrect State and address. They have the wrong person. I have never in my life lived at XXXX XXXX XXXX, XXXX, KY, XXXX. Nor do I have any family or friends who live in Kentucky. This is 100 % not me. So this incorrect information needs to be deleted without fail. The reference number for this inaccurate report is XXXX. Date : XXXX
Product: Debt collection

PDQ Services , Inc, have repeatedly tried to collect on an invalid bill for dental services, a cleaning, provided by XXXX XXXX XXXX on XX/XX/XXXX. Upon receiving a collection notice from PDQ, dated XX/XX/XXXX, I responded via mail to PDQ on XX/XX/XXXX, notifying them the claim was invalid and was in fact rejected by the insurance company because it was a duplicate already processed. I sent a copy of the EOB confirming the claim had already been paid by insurance and confirming that the billing in question was a duplicate and invalid claim. 

PDQ refused to correct the error and mailed me a second, threatening collection letter, dated XX/XX/XXXX, to which I responded again in writing on XX/XX/XXXX and provided another copy of the EOB confirming it was an invalid and duplicate bill. I followed that letter with a phone call to PDQ, during which they acknowledged receiving my correspondence and apologized for the error. 

On Sunday XX/XX/XXXX, I was notified by XXXX card services that PDQ had entered a derogatory claim on my credit record for failing to pay the invalid invoice referenced above. As a result my credit score has dropped and so far, one creditor has reduced my availability already, as a result of the fraudulent, derogatory information added to my credit record. 

Id like to pursue all options under the law to hold this abusive collection agency accountable for their illegal actions.
Product: Credit card

I attempted to update my bank account information for my credit card payments via the Bank of America mobile app, which I have used for years. The app does not support this function, and when I requested step-by-step instructions via email on XX/XX/year>, I received an automated response instructing me to call them. I eventually had to use their desktop site, which is difficult to navigate due to the small font size, requiring me to find a laptop. 

As a result of these difficulties, my account was wrongly reported to the credit bureaus, negatively affecting my credit score. Bank of America 's poor user experience and inadequate customer support have caused this issue. I request that the CFPB investigate and ensure that Bank of America improves their services and corrects the inaccurate reporting on my credit report. 

I have since rectified this account and paid all balances.
Product: Debt collection

My son had caused damages to an apartment upon move out inspection ; in the amount of {$360.00}. I was a co-signer. The Management agreed to allow me to participate in a payment plan towards settlement. I dropped off the first payment ( {$90.00} ) & written agreement. In the meantime the Management forwarded the entire balance ( {$360.00} ) without giving me credit for the ( 1 ) payment to Collections ( which should have resulted in approximate {$270.00} balance ). I contacted the Collections Debtor & advised them I am disputing the validity of the Debt which is in my Right. The Collections Debtor proceeded to try and COERCE, BULLY, & HARRASS me into Settling to pay more than what I owed ( they said they would settle the account for {$290.00} ) even though I explained and made it clear I was disputing this debt as valid ; therefore, why would they think I would pay {$290.00} to the Collection Debtor if I am telling them I owe {$270.00}. In my opinion this is unfair and unethical business practice and needs to be investigated and action taken against the debt collector
Product: Vehicle loan or lease

I am a single mother of XXXX trying to purchase my first home I fell behind on my loan due to decrease in hours and pay during the pandemic. I have begged and pleaded with this company for late payment forgiveness for those late payments for the past two years. My account with this company is current and has been paid on time. I understand my responsibility but everyone I have spoken with will not allow me to speak with anyone that is willing to hear me out at all.
Product: Credit reporting or other personal consumer reports

XXXX sold my mortgage to Village Capital without my knowledge or permission. I asked them to provide their profit to see if I was getting equity under my contract. They refused, and now XXXX and XXXXillage Capital are trying to collect on the debt. Attached are the laws and regulations that caused the companies to commit Fraud/FCRA Violations that could be interpreted as Human trafficking. 

Please see the referenced FCRA and Regulation V XXXX XXXX Final Rule : Consumer Reporting Agency Violations/ 1022.142 ( a ) ; 1022.142 ( b ) ( 3 ) Consumer Reports Violations/ 1022.142 ( a ) ; 1022.142 ( b ) ( 2 ) Victim of Trafficking defined/ 1002.142 ( b ) 4-5 ; 1022.142 ( b ) ( 7 ) I also requested that their fraud be disputed with these regulations. : CONSUMER PROTECTION LAWS Equal Credit Opportunity Act / Truth in Lending Act Regulation Z Fair Credit Reporting Act / 15 USC 1611 False & Inaccurate information Fair Debt Collections Practice Act / 15 USC 1692 Debt collection practices CFPB 1026.23 Right of Rescission ( cancellation )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this date, over 30 days later I have not received a response. I feel like I am being taken advantage of and being ignored with my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those inaccurate items from my credit report. It has been over 30 days, so they should be deleted immediately. I demand those accounts to be deleted immediately or I will file for litigation due to the XXXX you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

Hi there, I am currently seeking advice or assistance with my financial situation. This is how it happened. On XXXX XXXX, when I initiated a Chase Quickpay transaction to send money to my friend ( her name is XXXX XXXX ) via her phone number. For some reasons, the phone number I entered is correct but it was registered under a previous owner 's XXXX XXXX XXXXXXXX checking account. My friend did receive a text confirmed that the money will be credited to her account in the next few days. However, when my friend called XXXX XXXX XXXX customer service they told her that the even though her phone number was registered under another customer 's bank account and the money already credited into that customer 's account. 
Then I initiated a claim to Chase Quickpay transaction and Chase followed up within a week told me that. The person who received my money by accidentally do not want to return the money back at all. I was wondering if there is a way to get back that money. Please kindly assist with this financial situation, that money was a big amount of my saving. I really appreciate it if you take a closer look at this or guide me to the right legal assistance with this issue. Thanks in advance. 

Best regards, XXXX XXXX
Product: Credit card

Credit was issued to me without intentional consent. While using my ordinary PayPal account, the payment method was automatically defaulted to PayPal Credit. I was charged {$88.00} in late fees and interest over two {$7.00} payments on XXXX XXXX and XXXX XXXX. Assuming the first interest charge to be indicative of ongoing rate ( e.g. ignoring interest charged on late fees XXXX, effective APR on {$15.00} credit issued was approximately 150 %. No paper statements were sent, and email statements appeared to be spam. Company was unavailable at XXXX PST to receive formal complaint and request for refunded late fees. Consumer was advised to call back during normal business hours. Payment was made in full to avoid further reprisal.
Product: Debt collection

XXXX XXXX XXXX owned this debt with account number : XXXX. I contacted XXXX XXXX XXXX to verify this account that was not being reported accurately on my credit report. XXXX sent me a letter on XXXX/XXXX/2014, after reviewing their account on file they were deleting it from my credit report. The account was deleted from all three credit reports. Two months later the same account was sold to " Commonwealth Financial '', I contacted them several times to dispute this account that had been closed. Commonwealth did not respond to my debt verification disputes for the past few months. Commonwealth resold the same account two weeks ago to another collection agency called " XXXX XXXX XXXX XXXX, formerly XXXX ''. This account was closed from the original collection agency due to inaccurate reporting, and now has been affecting my ability to establish credit. Commonwealth has been ignoring my mail correspondence regarding the validation of this debt, and sold it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violated my rights by : ( IAW 15USC 1681 [ Fair Credit Reporting Act ] ) sharing my information without my written consent. Also, XXXX has consistently harassed me by sending numerous notifications via email, supplied multiple reports of the same account to the credit reporting agencies ( which make my credit report look even more unfavorable ). 

I contacted all three of the primary credit reporting agencies about this problem last year, but none responded to me in any positive manner to assist in correcting this issue. I contacted all three of them again in XXXX of this year, and received responses that, again, were not helpful.
Product: Credit card or prepaid card

I sent a payment in the amount of {XXXX} to Barclays Bank for my Luxury Card XXXX XXXX. I have received from the paying bank an image showing the check was cashed on XX/XX/22. It has not been credited to my account. I notified Barclays over a week ago ( case # XXXX ). When I called for an update today, I was told it will take 60 days for them to resolve. This is unacceptable. They continue to report my balance due, without even providing a provisional credit to my account while they figure out where they made their mistake. I have sent to them - at their request - the electronic image showing the cashed check. I can only imagine what they would do or say if I was 60 days late on a payment, yet they do not seem to care when the situation is reversed.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, LEXISNEXIS, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Money transfer, virtual currency, or money service

Referring to pervious complaint # XXXX This is a new complaint following up on the commitment made by Cash App in regards to recovering a missing deposit of {$750.00}.

The company stated that resolution could take 2-3 weeks from XX/XX/2021. 
It has now been 27 days and they have not resolved my missing deposit of {$750.00}. 

I do have some additional information regarding the missing money : - XXXX XXXX confirmed the ACH to Cash App ( Square inc, ) on XX/XX/2021 and provided their phone number ( XXXX ) and the trace ID ( XXXX ) - They also provided the company ID where the reversal initiated ( XXXX ) - They said the {$750.00} went to Square inc and provided the phone number of XXXX. When I called that number, a Square inc. representative told me the money went to Cash App, which is a different division of Square inc., and that she couldn't give me their number.

It has been over a month and Cash App / Square Inc. refuses to acknowledge and return my {$750.00}.
Product: Credit reporting or other personal consumer reports

In 15 days from the present date, I anticipate the receipt of a monthly updated credit report. I trust that the items highlighted in this complaint, as well as those identified in my previous complaint dated XX/XX/XXXX, have been addressed and rectified in the impending update. It is imperative to emphasize that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to expeditiously remove any items flagged by the consumer as information stemming from a purported identity theft within four business days of receipt. Regrettably, despite my persistent efforts through various correspondences, these fraudulent items remain unaddressed within your records. I implore you to adhere to the legal stipulations outlined in FCRA Section 605b, which necessitate the removal of the items detailed in the identity theft report XXXX XXXX. The specific items are reiterated below for clarity : XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were not feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached below all of the hard inquiries that I have tried to dispute with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and ask the credit bureaus to make sure everything was complete and accurate according to USC 1681 i ( 5 ) I waited XXXX  days and everything was still the same with the consumer agency XXXX Equifax they didn't modify or remove anything the dates of the accounts are not correct I made extra payments and still no results can you please fix it this is stopping me and family from buying a house thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Equifax continues to violate FCRA and many other federal and state laws. 
The Eleventh Circuit Court of Appeals has held that a consumer reporting agency like Equifax violates section 1681 i ( a ) ( l ) if it fails to do a reasonable reinvestigation when a consumer disputes " information contained in his file. '' Collins v. Experian Info. Sol 's , Inc., 775, F.3d XXXX, 1335 ( 11th Cir. 2015 ) ( " [ a ] file is simply the information retained by the consumer reporting agency. " ). 
I submitted a dispute on XXXX for XXXX XXXX  Acct # XXXX and inquiries. Equifax provided dispute results XXXX ( 5 days later ), stating acct was verified as accurate. Is that possible? Was a reasonable investigation done? 
I filed a dispute on XXXX for XXXX XXXX  Acct # XXXX and inquiries, dispute results were ready XXXX ( 3 days later ) acct verified as belonging to me. Is that possible? Was a reasonable investigation done? 
The FCRA is intended " to protect consumers from the transmission of inaccurate information about them, and to establish credit reporting practices that utilize accurate, relevant, and current information in a confidential and responsible manner. '' Cortez v. Trans Union , LLC, 617 F.3d 688_, 706 ( 3d Cir. 2010 ). Despite the dispute Equifax received from me, Equifax has completely abdicated its obligations under federal and state law and has instead chosen to merely " parrot '' whatever its customer states. Equifax 's failure to investigate disputed account information is a result of its standard policies and practices adopted in reckless disregard of consumers ' rights under the FCRA.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NV XXXX Erroneous credit report by a company attempting to collect a non-valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit reporting agency will not update my account status to paid in full. Because this account is paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to request the removal of the fraudulent accounts and information you report on my Credit File. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX Balance XXXX XXXX XXXX, XXXX Original creditor : XXXX XXXX Balance {$330.00} XXXX XXXX XXXX Original creditor : XXXX Balance {$570.00} Date opened XX/XX/XXXX. I have red my rights under the FCRA and according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report related to 15 USC 16c-2. The inquiries werent authorized by me and are impacting my credit negatively. Please remove all unauthorized inquiries. Thanks!
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1.XXXX  Account Number : XXXX 2.XXXX Account Number : XXXX 3.XXXX XXXXXXXX Account Number : XXXX 4.XXXX XXXX XXXX Account Number : XXXX 5.XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has validated my rights.

15. U.S.C 1681 Section 602 A. States I have the to privacy.

15. U.S.C. 1681 Section 604 A Section 2 : it also states a consumer repotting agency can not furnish an account without my written
Product: Student loan

XXXX University, Navient and SalleMae ; I wont rest until one day I take this to the highest court. My loans are XXXX I never graduated college in my senior year because in XXXX in XXXX XXXX and Salle Mae did something with the loan. Mind you no one takes XXXX Universities credits so I had to start all over. After XXXX years late XXXX University placed a grant to cover an old bill because they knew whatever occured with the loan that year was not the fault of my own. The loan companies would like for me to claim XXXX an yet they want XXXX dollars that they know ill never have because they ruined my credit and so I cant even get a good job to pay it. Instead Im working through school and no degree and diagnoised with XXXX and XXXX and I blame the loan company salleMae and Navient and XXXX for the XXXX XXXX. I will never be the same due to these loans that should be eliminated since i got them in XXXX and wasnt even old enough to understand that without a good job it would be impossible to pay it off.