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

I have made numerous complaints about this XXXX charge-off account with no real assistance from XXXX other than some mailed statements. 

XXXX has charged off this account XXXX years ago, which means a 1099c was submitted. However, I have yet to receive a copy of the 1099c for the charge-off which is fraud. 

Experian, XXXX, and XXXX are all reporting charge-off accounts on my credit report on top of all reporting different information which means it is also inaccurate and misleading and an additional reason why this needs to be removed from the credit report. The IRS defines a charge-off or a 1099c as gross or ordinary income. Income does not get reported on the consumer report. By reporting this as a charge off on my consumer report, it now becomes an inaccurate account which is now under 15 U.S.C 1681e ( b ) which speaks on maximum accuracy of the consumer report. This inaccurate accounting must be deleted from my credit report.
Product: Debt collection

On XX/XX/year>, I learned of a collection appearing on my credit report. I immediately called the collection agency ( Radius Global Solutions ) who referenced an account number from the original creditor ( XXXX XXXX XXXX ). I told them I was always in good standing with XXXX XXXX XXXX ( over XXXX years ) and this could not possibly be accurate as I left the account in good standing last year. I then reached out to XXXX XXXX XXXX customer service, they could not divulge any information related to the account number given to me by the debt collector. They cited they needed a PIN # for the account to access the information. I told them I don't have a PIN because this is not an account that belongs to me. I asked if they could verify another way and they told me go visit a store. So I visited the XXXX XXXX XXXX store in XXXX XXXX and they told me the same thing, they needed a PIN. Ironically, they were able to pull up an account for me that was left in good standing last year, but this other account was not able to be accessed for verification. I have since filed a dispute with XXXX XXXX XXXX fraud department. I have not heard from them. They have not been helpful in providing any evidence of this account number being associated with me. I have always had an excellent credit profile. I have never missed a payment in my 45 years on earth and my XXXX XXXX were in the XXXXXXXX XXXX. This collection has unfairly dropped my score to low XXXXXXXX XXXX. I need assistance in proving this account does not belong to me.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , inc ) do to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ) Specifically Cash App failed to take timely and affective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deseptiive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. This actions have caused significant inconvenience and financial loss and Im seeking appropriate redress.
Product: Debt collection

I XXXX XXXX, consumer am demanding Wakefield And Associates to cease and desist all debt collection activities through all and any medium including CRAs. Wakefield And Associates has failed to comply with The FDCPA I have come to the understanding A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, but Wakefield And Associates failed to comply. ( SEE ATTACHMENTS ) A debt collector may not engage in The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person ( SEE ATTACHMENTS )
Product: Credit card

I've consistently made timely payments on this account, ensuring they never became overdue. I don't understand why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

Lockhart Morris & Montgo has made 12 unauthorized inquiries on my credit report report over the past several years,
Product: Debt collection

Account in question : FSTPROGRESS XXXX Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX a collection from 1st progress/XXXX XXXX appeared on my credit report dated XX/XX/XXXX. I disputed the item because I had no knowledge of the account. The account was then updated to paid/closed. Last year XXXX and 1st Progress started to report the account as delinquent and each month since then the account is reporting charge-offs even though the account says paid/closed. I tried to dispute the account again as it is almost 8 years old, but XXXX will not allow me to stating it was disputed in XX/XX/XXXX. They have now updated the account to show 64-charge-offs since XX/XX/XXXX and it has drastically reduced my credit. I went from a good score to poor because of this account. I have no way of disputing it and the account is well past the time allowed to remain on my credit profile. XXXX is the only credit report showing this unknown debt and each month reports it as a past-due payment.
Product: Credit reporting or other personal consumer reports

Greetings, CFPB. I am reaching out to you guys today regarding two of the three credit reporting agencies ( Transunion and XXXX ). I also reached out to XXXX and Transunion letting them know that these accounts doesn't belongs to me, but no action was taking by them i really don't know what type of business they're running at XXXX and Transunion, they've just been stalling this for about 2 months and counting now. I am not liable for this debt with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), I do not have a contract with them, They did not provided me with the original contract as i requested. This debt collector ( XXXX, also know as XXXX XXXX XXXX XXXX XXXX XXXX, also know as XXXX XXXX XXXX XXXXXXXX ) engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Checking or savings account

I can not open a checking account because I was scammed by someone I thought I could trust that was very close to me, they deposited a fraud check into my bank accounts after I trusted them with my banking information, they uploaded the checks via mobile deposit in a banking app and the next day my accounts were a negative balance. I need to be able to open a bank account for my full time XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

A computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto your credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with a nice lady names XXXX about this over the phone in length and spoke about each inquiry in detail and she said it would be taken care of for me. These inquiries add a hardship and lower my score making it look like I 'm out trying to get a ton of credit when I 'm not and my rights were violated by TransUnion. Please help me make TransUnion stop victimizing me. As a resolution I would like that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally re-added to my account without my knowledge or notification.
Product: Credit reporting or other personal consumer reports

I am writing to you for the tenth time regarding the fraudulent items that persist on my credit file. Despite multiple previous attempts to rectify this issue, the fraudulent entries remain unresolved, causing significant XXXX  and XXXX harm. 

It has been a considerable effort on my part to repeatedly provide evidence and documentation proving the fraudulent nature of these items. Despite assurances of swift action, the lack of progress in their removal is deeply concerning and reflects poorly on the integrity of your credit reporting system. 

I demand that you undertake a thorough investigation into these fraudulent entries and take all necessary steps to remove them from my credit report promptly. Additionally, I expect to be provided with a detailed explanation of the measures being implemented to prevent similar occurrences in the future. 

Furthermore, I insist on compensation for the damages incurred as a result of this ongoing issue, including any financial losses and the time and effort expended in attempting to resolve it. With this, I am asking for your assisstance to remove these fraud items in my credit 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
Product: Mortgage

I sold my home in XX/XX/XXXX XXXX and paid off my mortgage with Dovenmuehle Mortgage Inc also known as XXXX XXXX in whole. At closing I had to pay the taxes and other fees creating a balance owed to me in my escrow account for {$3600.00}. I contacted Dovenmuehle as directed by the title company and filed a change of address form to inform Dovenmuehle of my new mailing address. The Dovenmuehle representative told me they were mailing a check for the balance owed to me. This was around XX/XX/XXXX. Weeks went by and the check did not arrive. I called Dovenmuehle back to check on the status and the representative told me they couldn't do anything until after XX/XX/XXXX. I called back on XX/XX/XXXX and they apologized and said they were canceling the first check and mailing another. Still no check was received. I called back on XX/XX/XXXX and asked to speak to a supervisor. I was told a supervisor was not available and they would issue yet another check and would have a manager call me back. They also said if I didn't receive the check in a couple of weeks to call them back again. The check still didn't come and no supervisor ever called me. I called back on XX/XX/XXXX and demanded a supervisor. A manager named XXXX got on the phone and said there were no notes made of a complaint prior to the XX/XX/XXXX call and no other checks had been sent prior to the XX/XX/XXXX call. She had a attitude and said she would have to file an inquiry with a separate department and someone would be calling me within 72 business hours. 72 business hours was reached yesterday XX/XX/XXXX. No one has called me and still no check has come. We need this money to go towards our new home. We are tired of being lied to and just want our money. They are literally holding our funds and not returning them to us. Please help.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a vehicle in XX/XX/XXXX from XXXX XXXX in which I had signed the paperwork for a XXXX percent rate the Assist Manage had me sign two separate contracts one with XXXX Bank the other with Bank of America. I reached out to XXXXt XXXX concerning the mistake I was then told by the General Manager XXXX People want something for nothing theyve never tried to correct there mistakes then have only slandered me and stringed me along for there mistakes I have contacted them almost six months straight without them doing anything to resolve the issues. 
I have a clean title from XXXX Bank indicating that my XXXX XXXX XXXX. Then I am being billed from Bank of America for the same vehicle I was supposed to receive a rate of XXXX where I was lied to by XXXX  XXXX now I have also been in contact with XXXX XXXX where I am being further lied too I dont feel that I should be paying a Car Note to somewhere that I have a clean title for I have been insulted totally disrespected treated like thrash without any type of dignity and respect I honestly feel like they should correct there mistakes and I should not pay another Car Note until it is corrected I honestly dont owe Bank of America anything if the title is free and clear I have tried to rectify this situation by myself for the last six months this has cause an enormous amount of stress as well as aggravation I have contacted three different companies for six months and no one wants to straighten this matter out yet according to the Secretary of State in Michigan I own the vehicle Free and Clear
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I received a debit/credit card refund from XXXX on a Nothlane Technologies LLC Master Card. Following the specific directions provided in order to activate the card, access information and begin using the card. The card account number from the front of the card is not recognized online or by phone. Without the system recognizing the account, I can't contact anyone. Online gives me an error message and the phone hangs up on me after telling me the account isn't recognized.
Product: Debt collection

This is a follow up to Complaint : XXXX. As I have previously told XXXX ( multiple times ), I did not have XXXX XXXX and that information was never submitted or given to XXXX, thus I have no idea why they continue to try and submit a claim to them. I gave them the correct information for my health insurance at the time of XXXX XXXX XXXX of Rhode Island, as well as the images of for my health insurance. The creditor continues to incorrectly file with my insurance and is getting precariously close to having a formal complaint lodged with the Attorney General and the Department of Public Health.
Product: Money transfer, virtual currency, or money service

I issued a claim dispute on XX/XX/XXXX in reference to an order I placed the previous year on XX/XX/XXXX for merchandise that I never received. The merchandise was bought through XXXX at the cost of {$190.00}. I contacted the seller but never received an answer. After opening the dispute with Wells Fargo nothing was achieved and the case was closed shortly after it was opened. I attempted to call the Wells Fargo service but was told that there was nothing that could be done regarding the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove it : FCRA violations : XXXX XXXX XXXX Original creditor : XXXX {$710.00} Balance updated XXXX XXXX, XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : XXXX XXXX Balance on XXXX XXXX XXXXXXXX Original balance {$710.00} {$710.00} Payment Info Original balance {$710.00} Balance {$710.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Affected by natural or declared disaster Your statements - Contact XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$110.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : XXXX XXXX Balance on XXXX XXXX XXXX Original balance {$110.00} {$110.00} Payment Info Original balance {$110.00} Balance {$110.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account
Product: Credit card or prepaid card

I have a vanilla gift card I call up the balance says {$150.00}. It is never been used every time I try to use it I said payment is declined. Ive tried on line and in person at stores. Ive called three different numbers I have multiple times and no one ever answers.
Product: Checking or savings account

The issue is to stop XXXX XXXX  from going through my account. It has been requested by email and telephone and XXXX  complaint. I received a call stating ot was resolved but recently I see the charge is still going through. I need to stop the charges from XXXX to current and BLOCK the merchant. 

On XXXX XXXX while speaking with XXXX a Manager, he disconnected the call after I repeated what he said or sounded like he said and he responds that " We are not taking it there '' I am trying to find out what is he talking about, Though I came through fully verified, XXXX requested my social security number and next thing he tried to send me to one of the branches. Needless to say I am more than 90 miles away. ) Then, he disconnected the after stating the above. 

I just wanted to speak with a manager after I requested one last week.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Security Credit Services , LLC shall permanently cease and desist from collecting any convenience fees or other fees from North Carolina consumers prohibited by N.C.G.S.
Product: Credit reporting or other personal consumer reports

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax 's website, http : //www.equifaxsecurity2017.com/, my confidential credit information was stolen in the recent security breach. I am extremely disappointed with the way Equifax handled my information, which has put me at risk of credit fraud. I am also sorry to say that I was not even alerted to this security breach by Equifax, and had to discover it for myself on social media.
Product: Mortgage

I did a loan modification an it was approved. Then after I made my first payment I was told that it was not approved and I would have to restart the process. 

This is the second time Wells Fargo has done this to me. The bank improperly denied me a mortgage loan modification, which could have cost me my home.