23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today XXXX XXXX XXXX reported a debt from Tempoe LLC a debt that was the result of identity theft and the Credit bureaus have already deleted and blocked. Tempoe is illegaly getting around this by selling the debt to another debt collector. 

XXXX XXXX XXXX also skirted the law and never sent the debt verification letter as required so I didn't know until today when it hit my credit report
Product: Credit reporting or other personal consumer reports

this is not my account im asking for a removal of account from my credit report. 

Acct # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank said they issued me a credit card back in 2021. The card was sent to a XXXX address in XXXX Ohio XXXX But I never lived on XXXX XXXX in XXXX ohio. I called them in XXXX after checking my credit report and that's how I found out that XXXX XXXX Bank had issued a credit card using my information and the card had been used. They close the account after I called them and started a dispute but continue to red Flagg me through the three major credit reporting agencies. I never applied nor received the card and never lived on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I XXXX XXXX contacted BMG money about an account thats currently reporting charge office in XXXX of 2023 but the company received a payment from me which I agree and so does the rep that called me back, besides this i dealt with a ugly representative who were beyond unprofessional in his customer service career. well after letting them know how i was treated with the customer service representative of course they escalated my call and someone by the name of XXXX called me back, after speaking with him and repeating myself for the 3rd time he gets all my information and calls me back again, instantly i can here in XXXX voice how hes upset im not sure if its was pertaining to the calls he had to go listen to or maybe it was a friend of his that took my call, But XXXX stated you talking to me not them, I said so youre upset because you find the finding of how your representative spoke to me, he said no thats not the reason. I do hope XXXX and the other Gentleman i spoke to is not treating all customers this way if so i suggest something be done about it
Product: Debt collection

I have requested a copy of the original purchase agreement and company has to provide it. I have also disputed this account amd verified but no original agreement has been sent. I have requested this twice now
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights. 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. 15 U.S.C. section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may take 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. 1681 s-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 the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

Date : XX/XX/year> Amount {$260.00} I explained to the company that I will pay this when I get my funds released from my financial institution and company is harassing me and need to be addressed and stop until funds his release from the financial institution...
Product: Student loan

I am formally disputing the student loan account reported by Mohela on my credit report due to unauthorized access and misuse of my personal and financial information. My data was compromised in violation of the Family Educational Rights and Privacy Act ( FERPA ), which protects student loan borrowers from unauthorized disclosures of their records.

Given this violation, I am requesting an immediate investigation and removal of this account from my credit report as the data breach has resulted in unauthorized and unfair financial harm. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate, fraudulent, or improperly handled accounts. 

Please provide documentation verifying the accuracy and legitimacy of this loan, including proof that my personal information was not unlawfully accessed or misused. If Mohela and the credit bureaus can not verify this information as accurate and legally obtained, I request that this account be deleted from my credit file immediately. 

I appreciate your prompt attention to this matter. Please provide a written response with the results of your investigation.
Product: Debt collection

In XXXX I did not receive goods or services from a company. I contacted XXXX and told them that the company did not produce the service for me. XXXX told me to contact the company. I contacted the company and they said to contact XXXX being XXXX is the company that you actually have debt with. I contacted XXXX again and they said they'd place the charge as fraudulent and contact me within 48 hrs. They never responded. 

In XXXX I believe of this year I received a 30 day late. I contacted XXXX again to which they said they'll investigate it but kept the account on my profile. I've watched my score go from a XXXX to XXXX. 

I filed a fraud report to Experian regarding this and they've failed to remove it from my Experian report. I contacted Experian and asked how they verified this account and they said through XXXX. Courts ruled that they had to do their own investigation and could not just rely on the third party. I was denied a loan of a XXXX because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase a car and when they ran my credit it is showing by XXXX brothers outstanding car loan with XXXX and a repossession on the car. This does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX pulled my credit report on XX/XX/2018 after a phone call to ask about letter I received from them then next day inquiry on my XXXX report called next day to them they said I did the pull of my credit I gave no authorization for this I want this removed and I am also canceling my card cause me nothing but stress with this matter I need them to take care of this and I wont deal with XXXX ever again
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX XXXX in XXXX, FL. regarding an account. I was unaware of this delinquency until I obtained my credit report. Apparently my husband had established this account in my name. 

I asked XXXX XXXX if there was a settlement amount and they replied that there was. I paid the amount with my XXXX Debit card. A few weeks later this account still remained on my report as derogatory. I filed a complaint with TransUnion. It is still there. I contacted XXXX XXXX on approximately XX/XX/XXXX and spoke with their representative. I told them it had been quite a while and this was still showing negative on my report. " It's not 30 days yet, is it? '' I replied that it was paid. " Well, it's not 30 days yet. '' I told him that I wanted it off my credit report by the 30th day, XX/XX/XXXX. " We don't remove derogatory reports ''. 

My question is this : if it is paid to their satisfaction, why do I continue to be penalized with a derogatory mark on my credit report? I am working hard to re establish a good reputation and have paid all debts. I have not worked with a repair company to have them erase negative marks nor have I just let them expire. Shouldn't doing the right thing pay off? 

I appreciate anything that you can do to assist me in this matter. I feel that XXXX XXXX is holding my reputation hostage without cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

FiledBKXXXXinXXXXXXXX-DischargedXXXXXXXX-XXXXXXXXlisted-dischargedinBKXXXX.

ExperianshowsXXXXXXXXtwotimes-1DischargedinBKinXXXXand1reportingassoldtoXXXXXXXX.IwasNEVERnotified.IwassuedbyXXXXafteritsoldtheaccountanditwasDischargedaswell.Howcanyousueforcollectionwhenyouhavesoldtheaccount?Isthatnotfraud?

XXXXXXXXapparentlypurchasedtheaccountinXXXXofXXXXandnevercommunicatedwithmeasitfiledBKinXXXXofXXXX.

WhyisExperianallowedtoshow2accountsandnotjustonechargedoff.ThatdoesnotchangethestatusofXXXXXXXX-theexplanationtheyhaveforXXXXXXXXXXXXstillshowsunderXXXX.

XXXXandXXXXhavebothgottenthiscorrect-itisonlyExperianandtheCFPBthatcannotseetounderstandthenegativeconsequencesofkeepingthisopenwhentheaccountwassoldandtheCompanypurchasingitfiledaBKXXXXinXX/XX/XXXX?

IamquitedismayedthatExperianbeingtheprimaryrepositoryseemstoworktomakeyourscorelowereachtimeyouaddressanissue-ItwasXXXXandnowdowntoXXXXwhenyouhaveaddednewaccountsandtheyarecurrentwithlowusage.WhatGiveshere?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with Experian with no resolution. 
The other 2 credit bureaus XXXX and XXXX updated my balance with the creditor promptly after I submitted the proof that my account balance was incorrect. 
I opened my dispute with Experian in XX/XX/2021, XX/XX/2021 and again in XX/XX/2021. My dispute is to update that my accounts were paid in full and the balance should be listed as {$0.00}. 

Experian kept updating the account balance with outdated incorrect account balance information and kept updating/resetting my dispute resolution date whenever I updated my dispute with additional documentation provide by the creditors to help resolve the dispute. 
I continued to get the run around and continued delays in answering phones and they kept sending me back to the creditors to update my credit report. 
My creditors also kept saying Experian has been provided with updates that my balances were {$0.00}, but my credit report has never been updated to {$0.00} balance. 

As a consumer, it is unfair that Im caught in the middle of the poor communication and being passed back and forth between the creditors and this credit bureau which has negatively impacted my life. 

My creditors in dispute were XXXX and XXXX. 
I advised Experian that their delay in updating my credit report with valid information was delaying my approval for a mortgage and negatively impact my life and the lives of my family. 
I am still waiting for these creditors to update my balance with Experian, I would like to add again, that XXXX and XXXX are showing {$0.00} balances with both of these creditors which is accurate.
Product: Debt collection

I was recently informed by a potential mortgage company that there is a judgement against my husband for over {$4300.00}, it was filed on XXXX XXXX, 2008 by CACH , LLC for XXXX Bank. We were never served any papers or notified. I tried to locate who to speak with regarding this but all the trails are dead ends, XXXX bank is out of business & the number I was given to call said I won a cruise. It was filed in a civil court in a town I do n't live in.
Product: Credit card

Country Door and Swiss Colony are under the same company. I have paid these cards off and when I have tried to get my credit reports updated to no avail. When I called Country Door I was advised that this company, Swiss Colony, XXXX, and etc are under the same company and that they do not update/remove items from credit reports even if the card is paid in full. I have been told I have to request this to be done by directly contacting the Credit Reporting Agencies. However, I have hit a brick wall and there has been no action to remove these XXXX accounts from my credit reports since I have paid these accounts off.
Product: Credit card

Excerpts from the letter that I sent to the corporation 's CEO on XX/XX/XXXX : Ive had a Regions credit card for several years. In XXXX I received an email ( see attached ) that simply states my rewards balance and that the rewards are good for at least 48 months. This is the first correspondence I have received from Regions in at least two years, maybe since my card application. 

Several weeks ago my wife and I opened a Regions checking account, I tried to fund it with my card. It was declined, I didn't think much about it because I haven't used the card in a very long time. Last Friday, XX/XX/XXXX, we visited our local Regions bank in XXXX XXXX XXXX, Florida to finish actions on our checking account that I wasn't able to do online. While with the representative, XXXX, I asked about my credit card and my point balance. He told me that he would check on it and get back to me. After not hearing anything by Thursday, XX/XX/XXXX, I called XXXX. He had to check with the Credit Card Department and call me back, which he did. He informed me that my card had been cancelled in XXXX and that my rewards were no longer valid. 

I never received any notification of intent to close my credit card account. I was never given an opportunity to redeem my rewards before the account was closed. This action seems deviously intended to take my credit card rewards points without alerting me. 

The corporation never responded to my letter. I then reached out to my Congressman who advised coming to the CFPB. In a nutshell, they clearly advised me at the beginning of this year of my rewards balance and its sanctity for several more years, than subsequently took it away without any notice or explanation.
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. 
XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act convergent account # XXXX XXXXt # - XXXX XXXX XXXX  # Has violated my right. 
15 u.s.c 1681 section 602 A. States I have right to privacy.

15 u.s.c 1681 section 604 A section 2 : it's also state a consumer reporting agency can not furnish account with out my written instructions.
Product: Credit reporting or other personal consumer reports

Upon checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. I am writing to formally dispute an unauthorized mortgage inquiry that appears on my credit report. The inquiries made by the below listed companies XXXXXXXX XXXX XXXX  was made on XX/XX/year>, without my authorization or knowledge. 

Details of the unauthorized inquiry : Creditor/Mortgage Lender : XXXXXXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX  Credit Report Agencies Affected : Experian This inquiry is inaccurate and has negatively affected my credit score. I did not authorize any credit check for a mortgage application with this company or any other mortgage lender during the time period in question. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request that this unauthorized inquiry be removed from my credit report promptly. Enclosed are copies of my credit report highlighting the disputed inquiry. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft. 
Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$480.00} XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3200.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested information from Credit Acceptance to compare with information they furnished on my credit file for my records and to ensure the accuracy of my credit file. By law I am entitled to a fair and accurate credit file. Credit Acceptance failure to provide the requested information strips me of that right which is a violation of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I have made purchases with the offer of a 12 month deferred payment. 
-The first offer of {$400.00} with transaction date of XX/XX/XXXX was paid in full before the offer expired -The second purchases were only delivered until XXXX XXXX XXXX because they had problems with the inventory, they should have extended the deferment this was deceiving practice. 
- The Third purchase of {$1000.00} was made on XX/XX/XXXX with deferment until XX/XX/XXXX I had been busy with my XXXX XXXX XXXX father illness and travelling back and forth to Florida plus a full time job and not able to sit down and review my accounts until now. 
- I called earlier today XX/XX/XXXX before reviewing my statement to rapidly make a payment on the expiring promotion and the representative XXXX waved the deferred interest on the expiring promotion because there was a grace period. He told me that I needed to pay XXXX to pay it off. 
-Later when I sat down to review my purchase invoices and statements I realized he XXXX XXXXXXXX XXXX was supposed to have charged me {$1000.00} and the reason he didnt is because XXXX XXXXXXXX/Synchrony XXXX credit card had been since XXXX splitting my monthly payments of {$200.00} a month between the expired promotion and the promotion that I didnt have to pay yet with the purposed of charging me compound interest in higher balances on the expired promotion. My payments should have been applied towards the expired promotion to reduce the balance and therefore the interest being charge. 
This is a rip off this bank is perpetrating on the consumers. I understand they manage Lowes credit card. I will have to review those statements next because I am sure they have done the same thing. 
It is an abuse of the consumers who sacrifice so much to stay current in their bills. 
I need a resolution and a review of these unfair financial practices
Product: Vehicle loan or lease

I had a boyfriend who bought a motorcycle and he signed me up as the co signer without my knowledge. The motorcycle was then stolen. The finance company has put a repossession on my credit report because he stopped making payments on the bike after it was stolen. I have never signed for the motorcycle to begin with and any signature was forged by my ex so there for the Repossession should only be on my ex 's credit report and not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. I am sending this message in regards to the accounts & inquiries you are reporting inaccurately on my credit file. I am unaware of the accounts and it should be removed immediately. Please check the attachment section for a letter pertaining to unverified inquiries & accounts.
Product: Credit card or prepaid card

I made a purchase with a credit card they provided. The payment terms stated there would be no interest charges if the account was paid in full by XX/XX/22. When the time came to make the payment, their website was down with technical issues. I was unable to access my account to make the payment timely. I ended up resoting to making the payment via my bank 's bill-pay process but the payment was not received until after the due date. I believe the credit card issuer needs to accept at least some of the responsibility for the late payment due to the issues with their website and not charge the added interest charges as I made a good-faith effort to pay the account off on time. It should also be noted that, to this day, the online access to my account still does not work and I have not been able to access statements of my account for XXXX months. And they will not provide me with a statement in any other manner. Doesn't this violate banking regulations?
Product: Mortgage

I am refinancing my FHA mortgage into an FHA streamline from US Bank to XXXX Mortgage. XXXX reached out to US Bank via fax at XXXX on XXXX XXXX to request a payoff amount, and has yet to receive anything as of today, XXXX XXXX. This is holding up my closing date, which now will most likely have to be moved back. I contacted US Bank on XXXX XXXX to get this request expedited, and I was told that they did n't have a request on file, despite the fact that my loan processor from XXXX had spoken to US Bank several times over the phone between the XXXX and XXXX to get the payoff sent. I was told that because their fax machines are constantly busy, the initial request from XXXX may not have made it through, causing the delay. For an institution as big as US Bank is, this is utterly unacceptable, and it is doing me a disservice as a consumer and customer. I was told in my conversation last night that the payoff request is being sent to XXXX, and they should receive it in XXXX72 hours. For something that should only take a couple of hours at most to process to take XXXX3 days, in addition to the 5 days previous it has been on hold for is absolutely unacceptable, as my account is up to date and current, so nothing should be holding this up.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 i sent a dispute to transunion to verify a collection account that i have any knowledge in regards to. They have yet to process my request and I have given them different calls. It is past the 30 days that i understand they are allowed to process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX 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