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

THIS IS A FOLLOW UP ON CLOSED CASE # XXXX I AM OUTRAGED AND DEMANDING A REINVESTIGATION. XXXX placed an invalid, unverified, fraudulent and illegal inquiry into my credit report without me authorizing their organization to view my credit history. This is a violation of Federal Law. XXXX is knowingly reporting false information to Transunion. This inquiry is NOT MINE, nor was it authorized by me, and XXXX has failed to verify it. Their actions constitute fraud under both Federal and State Laws, Violation of the Fair Credit Reporting Act and Defamation of Character. I am disputing this inquiry, through both the CFPB and the NJ Attorney Generals Office. I've asked for verification, they failed to supply verification. This inquiry is negatively affecting my credit report and score due to this company 's false reporting. I contacted XXXX and they have NO proof I initiated such an inquiry, nor written authorization. They have FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE. what XXXX submitted do not constitute verification under the federal law or FCRA.
Product: Credit card

I called the Chase credit card company to check the payment allocation rules before taking a Cash Advance. I was informed that a repayment would be allocated first to the Minimum Payment Due and after that against the highest interest balance. I took the advance. A while later when I was able to repay the advance, I checked my account online. The Cash Advance balance was showing, as was the Minimum pPayment Due. I made a payment sufficient to cover both. None of the payment was allocated to the Cash Advance balance. When I phoned to enquire they said I repaid it too early. I had to hold the Cash Advance Balance until the next statement. I do not think that is fair and i was not informed of that when I enquired before taking the advance.
Product: Credit card

I have obtained Lowe 's credit card : XXXX First statement was paid in full. In the second statement Lowe 's charged undelivered items as well as already delivered item. I believe the merchandise should be delivered before billing.
Product: Debt collection

First Fed Credit Control is the name of the company they have not sent any information written concerning this alleged debt. Also, I was Never given any information about the right to dispute or information as to what company they are representing just harassing phone calls
Product: Credit card or prepaid card

XX/XX/2021 Discover Card closed my account after reducing my credit limit and me paying in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX was paid in XX/XX/XXXX. Since then it has been sold to several collection agencies that have called and threatened to file a civil complaint on me even though this account is paid and I have a letter from the original creditor showing paid. XXXX has tried to contact them to stop as well. They continue to call from blocked numbers and have cause my credit score to drop 30 points
Product: Credit reporting or other personal consumer reports

These inquiries are not associated with me, and I did not give authorization for them. I request their prompt removal from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Jefferson Capital Systems , LLC account # XXXX has violated my consumer rights. I did not give Jefferson Capital Systems , LLC my written permission or instructions to furnish this negative account on my consumer report. 15 US Code 1681 section 602A states that I have the right to privacy. 15 US Code 1681 section 604A section 2 states that a consumer reporting agency can not furnish an account without my written permission or instructions. 

Please see attached***
Product: Credit reporting or other personal consumer reports

Dispute of Late Payment Entries Due to Non-Compliance with 15 USC 1666b** To Whom It May Concern, I am writing to formally dispute the late payment entries reported on my credit report for the following months, which I have paid on time : 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 and XX/XX/XXXX. 

According to 15 USC 1666b ( a ), a creditor may not report a payment as late unless they have adopted reasonable procedures to ensure that the periodic statement, including the information required under section 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date. I have requested proof from XXXX XXXX XXXX that the required statements and disclosures were mailed or delivered 21 days before the payment due date, but to date, I have not received any such proof. 
Since this information was not provided, I am asserting that the late payment entries were reported incorrectly and in violation of federal law. This practice is unfair, illegal, and not equitable to me as a consumer. I am requesting that you remove the late payment entries for the specified months from my credit report immediately. 
I appreciate your prompt attention to this matter and look forward to your timely resolution of this dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL, XXXX
Product: Mortgage

I refinanced my mortgage loan from US Bank through XXXX XXXX. I was told that I should receive a check for approx. {$700.00} - {$800.00}. I eventually received a check for {$200.00}. I have tried 3 times to try to resolve, US Bank treated me horrible. On the XXXX time the gentleman from XXXX XXXX conferenced called with me it took a hour and approx 15 minutes did not get anywhere at all. I am told that I should have received {$270.00} times XXXX plus the XXXX making a total of {$750.00}. It seemed when explained by XXXX XXXX US Bank did n't want to understand him at all, totally frustrated when it was completing explained in simple math and simple english. XXXX the rep we were talking to seemed not very versed in mortgage lingo. He talked circles and ignored the direct question that was asked a number of times, way more then should have been. He then towards the end of the call says he could n't help any further and i got back what I needed to get back. Then he proceeds to tell us XXXX still on conference call ) that I would have to contact the pay off/customer service number and they will further help me. I basically stated that the pay off/customer service could n't be the same and I do not!!!!! want to start all over again there was and extension given but when I turned around to proceed to call the given number in fact it was want I guessed it would be all over again with customer service so i decided to ask for the pay off dept to discuss my problem and according to her she like says ca n't get ahold of pay off then do not have direct lines, phones for customer 's to talk to them. Then i asked what the XXXX digit ext was and she told me its a branch pay off to get the verbal pay off COMPLETELY WENT CIRCLES!!!!! I would like the rest of my money returned to me ASAP as I 'm in need more then the XXXX dollar bank is. Here are the phones number and extensions that were given to me. 
US Bank XXXX XXXX no transfer when i used this XXXX customer service/pay off dept ext. XXXX ( not an extension ) XXXX ext XXXX. The gentlemen in which we spoke to his name is XXXX? his direct line XXXX. He stated he was a supervisor? I have a check for XXXX the remaining is XXXX. I was told this amount was taken out twice, in pay off then taken out of the refund escrow. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX.is reporting on my XXXX and Equifax that I have two missed accounts but it states they are current. This is confusing and misleading to future creditors. If my accounts are current how are they missed. This is the type of fraudulent and misleading information that in violation to FCRA.
Product: Money transfer, virtual currency, or money service

I am concerned about the recent CFPB lawsuit involving Zelle, as I have used it many times throughout the past years. They state that tracking and returning lost funds is not possible which I now find to be untruthful after reading through the lawsuit. The lack of responsibility on Zelle 's part is concerning when considering consumer safety.
Product: Credit reporting or other personal consumer reports

COMPANY RELEASE MY PII WITH OUT CONSENT FROM ME OR MY FAMILY. ATTACHED IS THE COPY OF INFORMATION RELEASED.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance XXXX - ; XXXX XXXX XXXX Balance XXXX {$690.00}
Product: Student loan

I am a XXXX Veteran and President Trump gave  forebearance on my Student Loan. Nelnet has negligently left the student loan on my Credit Report. 
I attempted to contact them with no response. 
XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXXn has an unwritten 'no cancellation ' policy, even in cases in which they rescheduled a furniture delivery 4 times. I must have placed at least a dozen calls to XXXX XXXX to cancel a dining room table called the " Benchwright Black Oak '' because the order was placed in XXXX of XXXX but eventually, was not going to be delivered until late XX/XX/XXXX. In XXXX of XXXX, I was getting ready to make a move to a new state and I thought I would reorder it there. Every phone call to customer service indicated that my cancellation of the order was legitimate, yet I kept receiving alerts of the order being 'moved out ' with the delivery as though it was still scheduled. I would call to cancel again, only to learn that no cancellation had occurred. There was no confirmation # or any kind of control #, so it couldn't be determined by me, the customer, whether the cancellation went through or not. Still, alerts of the delivery kept coming in on my Email and text. So first, I'd like to make the point that there are NO CANCELLATIONS WITH XXXX XXXX, ever. They should make that abundantly clear on catalogue items ( not special or custom orders ) at time of purchase. This was a catalogue item. So eitheXXXX XXXX XXXX has no warehousing options because their containers are unloaded and go straight to distribution for delivery. The end result is that I've been hit with a very large shipping, set-up, surcharge and tax fee for a delivery which never took place. XXXX XXXX XXXX Complaint XXXX XXXX did nothing to resolve this charge of {$510.00} with Capital One, XXXX XXXX XXXX new financial institution as of XXXX of XXXX, when filed on XXXX XXXX, XXXX. The original order was invoiced on order # XXXX and refunded on XXXX XXXX, XXXX. But the shipping, set-up fee, surcharges and taxes were still billed by Capital One since they would not reverse this charge for non-shipment of the dining table. If I read something recently correctly, after 2 attempts by a merchant to reschedule a delivery, I believe under the FTC that a customer has the 'right ' to cancel an order. In order to maintain my credit card in good standing, I've been paying the minimum monthly balance of {$29.00}.
Product: Credit reporting or other personal consumer reports

XXXX Card - XX/XX/year> DISCOVER FINANCIAL SER - XX/XX/year> CREDIT XXXX BANK NA - XX/XX/year>
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 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 {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$3400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$500.00} ; 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 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 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

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX 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 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: Credit reporting or other personal consumer reports

My complaint is involving Equifax. They recently were reporting my Bankruptcy incorrectly and I contacted them. It was showing active instead of discharged. The dispute was resolved and my score went up from XXXX to XXXX. Then three days later it went down XXXX points from XXXX to XXXX. The reason they sent me was due to my student loans updated with new Comments. Then when I called the comments changed to say paying as agreed. These were the alerts and reasons provided to me on my Equifax.com. When I called to discuss they were giving me totally different reasons. Once the comments were changed from unfavorable to favorable so should my score have changed. Equifax is not providing solid reasons bs, but giving basic reasons why my score decreased XXXX points, which is a hard hit. This is very upsetting.
Product: Student loan

It is impossible to get in contact with anyone to figure out why my income based repayment is over XXXX dollars. 

I resubmitted my application with tax/income info and the company emailed me stated they did not receive my info even though I uploaded right to Nelnet.

Customer service is not possible to talk to.

They dont answer emails.

My payment is all over the place and I was not notified of such a high payment when I barely worked last year.

Also when my repayment begins is changed every time I reload the page.

I need help getting this straight.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my bank account was charged with multiple different transactions with increments of {$2.00}, {$5.00} and {$10.00}. The amount totaled up to {$73.00} There were : four charges of XXXX dollars each, seven charges of XXXX dollars each, and three charges of XXXX dollars each withdrawn from my bank account. 

Shortly after, I got a call from my bank asking if I sent someone on Cashapp named XXXX XXXX money. I said " No. '' At the time, I did not know who this person was. I asked a friend and she happened to know who owned the XXXX XXXX Cashapp. I received no messages regarding the charges from this person. My friend who knew the owner of the XXXX XXXX Cashapp said they requested XXXX dollars. 

However, I did not see any requests on my Cashapp at the time. Also, I did not see any record of any of the charges on my Cashapp. 

I have a bank statement where money was taken out of my bank account by Cashapp without any record from Cashapp. 

Wild!
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681cXXXX2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : 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 These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Debt collection

Lvnv funding llc. Contacted XXXX XXXX to collect a debt that is not under my name they being harassing me saying that the person is me. When they have another person with my similar name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a dispute letter saying that it was an inaccurate account number and they sent me back another piece of paper with the same and accurate account number for Capital One Auto finance
Product: Debt collection

XXXX XXXX Debt, XXXX XXXX XXXX, XXXX, MO XXXX was included & XXXX in my Bankruptcy discharge XX/XX/2019. 

JHPDE FINANCE I , LLC XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX added an collection account to my XXXX  credit file for the amount of {$2300.00} stating the collection was opened in XXXX XXXX. The original debtor was XXXX XXXX  according to the collection information on my credit report, this date. 

This collection agency is trying to collect a debt that was listed in my discharge petition from the court. I am requesting that they immediately remove the negative & false information immediately. They have fake contact phone numbers such as the one on my credit report which is listed as : ( XXXX XXXX XXXX which is a sales pitch for life alert. 

Hopefully, they are not doing this to a lot of other people that are just trying to come back from major illness & just trying to get back on their feet.
Product: Credit reporting or other personal consumer reports

I requested to XXXX XXXX courts to have a eviction removed from my record and the judgement came back as granted for the record to be sealed and not given to landlords as information on background. However the company fabco provided information to a landlord in regards to the eviction and when I contacted them to request that it be removed they stated they could not do that, even after I provided them with the information and documents from the courts. I am asking that this information not be given to landlords or property management companies on my behalf due to not being able to rent a home because of this, my children and I are on the verge of being homeless in a week.
Product: Bank account or service

My bank account by Wells Fargo bank is being rubbed over and over again, my complaints have been without a result this is been going on since XX/XX/2007. I have many letters of confirmation but no action. It has been costing me money as well as lots of other XXXX. I am almost certain that the XXXX employees of the bank are sabotaging my account. This is not a single case. The force behind it is " American XXXX congress " please take action
Product: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows a {$6100.00} account with Acima Credit in Utah on my report that I have no knowledge, never authorized, and did not open or obtain. I noticed this in XXXX, XXXX, after the account was opened on XX/XX/XXXX. 

Opening this account reduced my XXXX XXXX score by about 60 points. 

I have filed complaints directly with XXXX and Acima and neither seems willing to correct this. Acima has been slow dealing with this and give the impression they do not care or believe me with my complaints. 

As they instructed, an Identity Theft / Fraud report has been filed with the XXXX XXXX Virginia Sheriffs Dept regarding this. XXXX XXXX is the officer handling this matter. Acima has been provided with a copy of that report. It has been redacted in accordance with Virginia Statutes of personal information not relevant to Acima by the Sheriff 's office. Acima does not accept this as sufficient information. 

As of today the false account is 30 days plus overdue and it has caused my credit score to fall by about XXXX points in addition the prior decrease. From what I see on XXXX the first due payment on the account was never made.
Product: Debt collection

hi i dont know who is the creditor and i have this account on my profile show a balance of {$490.00}, ,i would like to request a validation from a third party collection agency .. i need proof of either own or were assigned the debt from the creditor. and i need a copy of original contract with my signature! please if would like to respond to : XXXX XXXX