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

I recently received a copy of my consumer reports from Experian, XXXX, and XXXX. I noticed that one or more is reporting my customer experiences.

Some of my lines of credit are characterized as ( utilization ) on my consumer reports and are being illegally reported. How I choose to utilize my credit lines is my EXPERIENCE ( utilization ) between myself and the credit issuer.

This is in clear violation of the law pursuant 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( CREDIT ISSUER ) making the report is NOT INCLUDED on my Consumer Report.

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction experience ( utilization ) on my consumer reports when CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Product: Debt collection

I've sent in a validation letters and I'm not getting any response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I applied for a XXXX XXXX ( XXXX ) credit card, and Experian ( XXXX ) did not provide a credit score on my behalf, giving the reason that I had " Insufficient Credit Experience ''. While XXXX   generated my scores for the other credit reporting agencies, their omission of my Experian score resulted in me being denied my application. For several years I have been working to improve my credit scores, but it appears that my efforts have been in vain. Over the past year, I may have also been turned down for other credit facilities, and may have suffered higher rates or other less favorable terms as a result of Experian 's omissions.
Product: Money transfer, virtual currency, or money service

Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wromng person.
Product: Credit reporting

On my Transunion credit report inquires are reporting as duplicate. 
On XXXX/XXXX/2016 XXXX XXXX XXXX is reporting twice as an inquiry when I only applied once. 
On XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX is reporting twice as an inquiry when I only applied once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete these hard inquires in such an action of a complaint will be filed with identitytheft.gov. 
Also an improper use of my credit report and violates my right to consumer privacy/company used improperly by law. Unauthorized hard inquires/did not submit nor authorize applications for such credit as follows. 

XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These bankruptcies was dismissed. CREDIT BUREAUS need to remove these Bankruptcy XXXX XXXXdismissed US BKPT CT FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX and Bankruptcy XXXX XXXXdischarged US BKPT CT FL XXXX Filed on XX/XX/XXXX Reference number : XXXX from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law.
Product: Student loan

The companys handling my federal loans, Edfinancial, has failed to set up auto pay after multiple requests. This causes interest on my payments as they tell you auto pay is set up, the the due date comes along and it says Im late. They can not tell people auto pay will be set up in 2-3 days and it not reflect. I called customer service and they say it takes 2 billing cycles which is unheard of on any other auto pay I have. I did wait an entire billing cycle but it still failed to go through. Long story short, auto pay not working, they tell you it is, you miss a payment.
Product: Debt collection

On XX/XX/2023, my Daughter was contacted by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX her they needed to contact me about a court matter. 
On XX/XX/2023 I received a phone call saying I was going to be served by a process server for a civil suit for Breach of Contract from GE Financial XXXX for a credit card debt for XXXX. They told me they were an attorneys office and not a debt collection agency. 
I returned the call and was told that I owed approximately XXXX dollars but I could settle for XXXX dollars. If not I would be served for XXXX of XXXX. 
This debt is over XXXX XXXX XXXX. 

I have not been served as of this complaint. 
My daughter was very distraught with the phone call, and this kind of threats and intimidation needs to stop.
Product: Mortgage

I began a loan refinance with Band of America Home Loans on XXXX XXXX, 2016. On XXXX XXXX after giving all information to Loan Officer my loan was denied without any full explanation of why or other alternatives. Furthermore, I was told by Loan Officer on XXXX XXXX that if Loan did not close I would be refunded the appraisal fee of {$690.00} and on XXXX XXXX when loan was denied I was told I am not entitled to a refund. I have left a message with Branch Manager XXXX XXXX which has not been returned and was told I would be called this evening by another manager and was not. I am disputing the charge with my credit card company and want Loan Officer XXXX XXXX to be investigated for verbally telling me before XXXX transaction for appraisal fee that this would be refunded if loan did not close. This information was recorded by Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Equifax investigate XXXX negative tradelines via a certified mail receipt requested and they opened the investigation on XX/XX/2021 with an estimated completion date of XX/XX/2021. Not only did Equifax not complete the investigation by the XXXX, but the lender XXXX only marked the XXXX accounts as " customer disputes - investigation in progress '' days after the 30 day dispute window expired.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX 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

On XXXX XXXX,2019 I applied for credit with XXXX XXXX and received an alert from XXXX stating my inquiry with XXXX XXXX and that my credit score dropped 40 points. I began to thoroughly look through my report to find out what was causing the 40 point drop and found that Money lion reported my account as closed with a 30 day late XXXX 2019. I contacted money lion customer service at XXXX and attempted to resolve my concern regarding 30 day late payment with XXXX who could not help me and when requesting to speak with a supervisor, initially, denied my request. After I made another request to speak with a supervisor he finally transferred me to XXXX, who told me the I had a payment that was not made XXXX/XXXX/2019. I asked him why was no attempts to collect the unpaid amount made and why this my internal payment history reflects timely payments. Also, I asked why was it showing a 30 day for XXXX when my loan was paid off in XXXX XXXX,2019, He could not answer that. ; I then asked to speak with someone on a corporate level and was advised that he would be the highest I could go and that they could not update my credit report but that I would have to contact the credit bureaus and have them dispute the incorrect information. 

I than began to reach out by help request through the website only to receive scripted response. 

Lastly, I am attaching my last credit report pulled that shows I had 12 on time monthly payments with money lion. As of XXXX/XXXX/2019 not only are they reporting I made a payment late 2 months after my final payment. They have also removed positive reporting data from my XXXX credit report for the following months : XX/XX/XXXX - XX/XX/XXXX. 

They have disabled me from being able to print my payment loan history
Product: Student loan

I am writing this letter to request that my in-school deferments are waived/ reversed for XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. XXXX reason is that I am part of the XXXX v XXXX case due to going to a fraudulent college ( XXXX XXXX XXXX XXXX XXXX ). As a result, any student loan related information/penalties pertaining to that college should not apply to me. This includes the in-school deferments shown on my Mohela and student aid accounts. 

Also, the Master Promissory Note ( MPN ), contract, between myself and federal student aid was not abided by from federal student aid nor XXXX. The XXXX states that if the XXXX processes a deferment based on information received from my school, I will be notified of the deferment and will have the option of canceling the deferment and continuing to make payments on my loan. ( This was not offered to me. ) The XXXX received information from my previous schools about my status, but the XXXX failed to inform me unlike what was stated in the XXXX. Both XXXX XXXX XXXX XXXX XXXX and XXXX University provided information regarding my enrollment status, but the DirectLoanServicingCenter did not inform me of the option established in the MPN. Therefore, my time in in-school deferent for those periods should be waived as the XXXX nor federal student aid abided but the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about a former creditor  WELLS FARGO HOME MORTGAGE . Address :  XXXX   XXXX   XXXX   XXXX   XXXX , IA  XXXX .  XXXX   XXXX   XXXX   XXXX . The problem here is that it was paid back on  XXXX  in the selling of the property I owned, which I have supportive documents of that sale and the date of the sale and the payment to  Wells Fargo Home Mortgage. But, I was still given a negative report from   XXXX   to  XX/XX/XXXX  for making late payments. It was said I  made a  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX . I tried contacting  Wells Fargo  and they saw the mistake but refused to correct it. On   XXXX   I disputed it to   XXXX  ,  XXXX  and  XXXX  but it still was not resolved. I contacted them once more on   XXXX   and still nothing has been changed.
Product: Credit card or prepaid card

I received a bill on my XXXX XXXX rewards XXXX for {$59.00} from XXXX Now a subscription channel. 
I called Barclays Bank and refuted this charge as I nor anyone in my family has watched The XXXX channel or XXXX now. 
Barclays got back to me and said that XXXX now had my email address so it must be valid. 
I then went to the fraud department and the investigations department and was told the same thing. 
I then contacted XXXX Now which can only be done via email, their website even says do not contact your bank as they can not help you. 
They came back with the same answer and wouldnt cancel the charge as its been more than 7 days. 
I came to the resolution that I have to pay the {$59.00} or Barclays will charge me interest and ding my credit for being late. 
I am now in the process of canceling XXXX store credit cards that are owned by Barclays Bank. 
How can a credit card company not stick up for their customers? 
Please help me. 

Thank you. 
XXXX XXXX XXXX
Product: Debt collection

NATIONAL CREDIT SYSTEM at XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX has been sending me collection notices in the amount of {$1400.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

Dear Sir/Madam, I am filing this complaint against Calvary, a debt collection agency, for failing to comply with the Fair Debt Collection Practices Act ( FDCPA ) regarding my request for debt validation. 
On XX/XX/year>, I sent a written request to Calvary asking them to validate a debt they claim I owe. This request was sent via certified mail with return receipt, and I have proof of delivery. Despite my request, Calvary has not provided the legally required validation information. Instead, they sent me a generic response stating that the debt was validated without including any of the following required details : 1. The name of the original creditor.

2. An itemized breakdown of the debt amount ( including interest, fees, payments, and credits ).

3. Documentation proving they have the right to collect this debt.

Under 15 U.S.C. 1692g of the FDCPA, Calvary is obligated to provide this information upon request and must cease all collection activities until they do so. Their failure to provide proper validation violates federal law. 
Additionally, if Calvary has reported this debt to any credit reporting agencies without validating it as requested, this may also constitute a violation of the Fair Credit Reporting Act ( FCRA ).

I respectfully request that your office investigate this matter and take appropriate action against Calvary for their non-compliance. I am also requesting that they be required to provide proper validation or cease all collection efforts immediately. 
I have attached copies of my original debt validation request letter, proof of delivery, and their inadequate response for your review. Please let me know if you require any additional information or documentation from me. 
I'm also in the middle of identity theft and fraud and have the documents from the FTC and Police report also. I also being sued by them and was unaware of this debt until they I received a summons that i am being sued by them Im still waiting on the police report. 

Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion wont lift my security freeze. The verification question they have are fraudulent in nature. TransUnion wont send me a security pin. Ive tried numerous of times to get this issue settled. I have been waiting a month and 1/2 for my pin to be mailed with no response from the company
Product: Debt collection

On XX/XX/XXXX I received a letter from First Collection Services, XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX XXXX. Ref # XXXX from XXXX  with acct # XXXX. They attempted to collect {$180.00} saying XXXX filed this. I contacted XXXX and talked to XXXX. This was for a house I sold XXXX  2021, XXXX  XXXX XXXX, XXXX, MO XXXX. XXXX said this debt was paid and they did not turn me over for collection.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Identity Theft Complaint Unauthorized Use of Personal Information Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally file a complaint regarding the fraudulent use of my personal information, including my Social Security number, date of birth, and name. These details were used without my consent to apply for multiple apartment leases, resulting in negative consequences for me. 

I have contacted each of the properties involved and emailed their property managers directly to address this issue. Unfortunately, none of them have responded to my inquiries, leaving me unable to resolve this matter. Furthermore, I have reached out to the debt collection companies associated with these accounts multiple weeks ago, but I have yet to receive any acknowledgment or resolution. 

This situation has severely impacted my ability to secure a place to live, as these fraudulent accounts are preventing me from moving into my new home. Despite my diligent efforts to resolve the issue by contacting the involved parties, I have not received the necessary support or responses. 
I am requesting the CFPBs assistance in investigating this matter and advocating on my behalf to ensure these fraudulent accounts are removed from my record. I have attached copies of any relevant correspondence, including my emails to property managers and debt collectors, for your review. 

Please let me know if additional documentation or information is required. I appreciate your time and support in helping me resolve this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

GC Services has continually contacted me at place of employment after numerous times of telling them not to call me at work yet they continue to do so and are very rude and disrespectful on the phone.
Product: Vehicle loan or lease

I pulled my credit report on XX/XX/ and found a charge off from TOYOTA MOTOR CREDIT. Despite that this account shows as a charge off, and is closed you continue to report it as late ever month including last month. How is this possible, you are reporting this incorrectly, and this needs to be fixed. If you refuse to fix it you are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked Ally 3 times now at this point to remove a dispute that I had on my account reporting on XXXX. My loan officer told me this would impact my ability to qualify for a mortgage if I keep the dispute on. Despite the multiple attempts calling Ally and speaking with 3 different supervisors who refused to give me a direct line, they are directly impacting my ability to buy my first home since they didn't do their jobs. I'm not sure what else to do and I don't understand why they're not removing my dispute. They keep telling me they have to submit a back office request that just sits in this queue waiting to be assigned to a representative. These calls occurred on XX/XX/21, XX/XX/21, and XX/XX/21.
Product: Credit reporting or other personal consumer reports

I updated my address, phone and email with all 3 credit bureaus back in XX/XX/year> over the phone with each bureaus customer representative. I requested to have all XXXX reports sent via postal mail. I only received XXXX and never received XXXX XXXX or Equifax. I have online accounts with all XXXX bureaus and checked to see if the info was updated. The info I gave them in XXXX was updated initially and then somehow changed without my knowledge. My address reverted back to an old address and also listed are random addresses Ive had over the years. This is not the 1st time this has happened. This is constantly happening and it seems to be with XXXX XXXX and Equifax the most. I can never get the info I need mailed to me, the info gets altered and not by me and the information becomes very confusing for no reason. This has also happened in my student loan online account and a few bank accounts. I do not know how or why certain addresses are being changed without my knowledge. This has caused me to not be able to keep track of my credit and prevents me from getting any type of credit for anything because the information will not match up. I have had my address changed without my knowledge to places I never lived but walked into like post offices or walked passed like random addresses in whatever area I was in. This is making me feel like I am being XXXX which I have been a victim of in the past. I am not sure how the info is being changed or when it happens because I find out weeks or months later. I have asked when and how the changes happened and none of them have any answers.
Product: Checking or savings account

Citi bank didnt paid {$700.00} bonus and {$24.00} two returned check fees to me. Please help us resolve it. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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
Product: Debt collection

On XX/XX/2018, I received a letter from XXXX XXXX XXXX   stating that they were trying to collect a debt of {$750.00}. They have the wrong person. I have never heard of the Creditor, they spelled my name wrong and they have the wrong middle initial. This happened a few years ago and I simple called them and explained they have the wrong guy. 
So I thought I would do that again. Big mistake!!! Calling their # sends you to some kind of phone XXXX site. Now they have my # and call 3-4 times a day. 
Their # is XXXX Can you make them stop?? 

Thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, I've been using Coinbase Pro before, I can withdraw my BTC ( Bitcoin ) but now I can't. They're reducing my daily withdrawal without any notice, and can not be changed even I requested. My BTC stuck forever. I've tried contacting the support but only automated reply. I did search the internet, there are 2 - 5 guys having the same problem and no customer service was available to help even for several months!
Product: Debt collection

I have been getting calls and mails from debt collector about a debt that i did not make in the first place. Then it was resolved by the company a long time ago. But i am still getting calls from the debt collectors and it is in my credit report also. They have charged me for a returned device that I have returned it cause they couldn't give me the internet service in my address.