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

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I open a sq cash app account. I had link my sq app with my XXXX XXXX  credit card. During XXXX XXXX someone hacked my account and random peoples was trying to withdraw. What happened is that someone hack it and withdraw a {$380.00} and {$400.00} into my sq app and my bank authorize it without my knowledge. So when I found out I try to contact sq app customer service but is very difficult so I wrote a letter to them asking them to investigate to see where my money go. No answer until recently I managed to get hold a customer service and explained the situation. After explaining to them they says they did pay the hacker but reversed the money back to to my XXXX XXXX. I call my XXXX XXXX they told me they did not see a refund back to my account. I call sq app customer service again and explained to them that the bank did not see any refund, they keep saying that is my bank problem. 
I told the sq app customer service I have try many time they keep saying they did not see the refund in my account refer me to sq app customer service. 
I call sq app again to send me proof if they credit my money back into my account but they says the case is close nothing they can do. 
I told them I need my money back it can not just disappeared but they dont care less. 
Please help me because I have gone through a lot and I am not a good in dealing with big company with poor English.
Product: Credit card or prepaid card

Discover card Had a balance transfer offer I paid off but they still charged me interest. I contacted them, they admitted their error and refunded me interest ( XXXX ). I recently received the next period statement and the original transfer amount in question is still showing up on the bill with now sky high interest. I contacted them again ( XXXX ) and asked them to correct my bill and issue a new statement but they are now saying no, that the original person was wrong and I will be charged high interest on an amount I already paid off. 
I took screen shots of most of the conversation and will attach.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX These XXXX have violated my rights 15 ISC 1681 Section 602a, stated I have a rights to my privacy 15 USC Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of conviction and crimes ante dates the report by 7 years.

15 USC 1861s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or have reasonable cause
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$23000.00}, {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Hello, Equifax has left my account like this for over ( XXXX ) months. 

When trying to pull my credit report on annualcreditreport.com am unable to pull the report online without waiting for something to come in the mail a couple weeks later when the information is outdated by then. 

I also tried pulling it directly from my equifax.com account and get an error message there, also. 

Equifax has been working on it for over ( XXXX ) months. 

What can be done so that I may be able to pull my report online? 

Thanks. 

XXXX XXXX XXXX ( XXXX ) XXXX Sent from Mail for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted company but no answers. This same creditor pulled credit check on two dates. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dates : XX/XX/XXXX XX/XX/XXXX I do not recognize this company and have no knowledge of giving permission to pull my credit.
Product: Debt collection

The XXXX credit Bureau is reporting XXXX different credit scores on my accounts. This is due to misinformation of the XXXX credit Bureau. 

XXXX XXXX has threaten to sue me twice. We went to court and the judge dismissed the case, yet they are still calling me. 

All other accounts have been paid but still reflecting negative. 
All of my XXXX  loans were forgiven but XXXX credit bureaus reporting it negative.
Product: Credit card or prepaid card

A Montgomery Ward credit was open fraudulently using my personal information on XX/XX/2022. I did not open this account. I did not authorize opening this account. Please help me to resolve this. This has negatively impacted my credit score that I worked very hard to achieve. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Payday loan, title loan, personal loan, or advance loan

I was homeless and still am homeless I checked thru my hard and soft inquiries from the time frame they said the loan was issued there was no credit pull
Product: Credit reporting, credit repair services, or other personal consumer reports

As submitted in a previous complaint- I am forwarding again documents from the National Student Loan Data System that proves yet ANOTHER error on behalf of Navient Solutions . As you will clearly see- all 7 accounts are listed as : 1. PAID AS AGREED 2. ON FORBEARANCE DURING THE PERIOD NAVIENT LISTS AS LATE FROM XX/XX/XXXX to XX/XX/XXXX. And 3. THE ACCOUNTS WERE CLOSED AFTER BEING PAID IN FULL BY A CONSOLIDATION LOAN IN XX/XX/XXXX AND NAVIENT REPORTS ACCOUNT INFO UNTIL XX/XX/XXXX!!!! Now how can that be if the accounts were paid and CLOSED? The accounts were actually taken over by a different servicer through the Department of Education. This why the NSLDS can provide details about the payment information on my Federal student loans. Number 3 above is just the latest discrepancy that I can prove on my report. Navient is wrong on so many levels. I want these accounts REMOVED! I have been denied loans several times as a result of Navients failure to comply with section 623 of the FCRA. Information has not been update nor corrected and now I can prove it is down right erroneous because the historical data fir these accounts on my credit report extends PAST the date the accounts were open!!!!
Product: Debt collection

I inserted a complaint here on XX/XX/XXXX. I received a response via your website and responded I have yet to hear from CFPB or Portfolio. have contacted Portfolio several times via mail over the past 90 days, after inserting a compliant with CFPB they sent me two letters one XX/XX/XXXX and the other XX/XX/XXXX simply stating the debt. Portfolio also mentioned in their letter they tried to contact me via phone. I have not given them my phone number and based on the year they obtained the account their company would not have had my phone number. I will only commuicate with them in writing. I requested proof of the debt in every letter sent i.e.

copies of signed agreements for original creditor & complete accounting of debt to assure accuracy.

I have received NONE of those items however Portfolio insist their simple letter is proof enough when the FDCA 809 ( a4 ) states the debt collector will OBTAIN verification of the debt and a copy of such verification will be mailed to the consumer. They did not do this although I specifically asked for what I needed to move forward with this account. 
I HAVE ATTACHED BELOW THE FIRST AND ONLY RESPONSE I RECEIVED FROM PORTFOLIO
Product: Debt collection

{$880.00} for a credit card from XXXX XXXX  XXXX has been turned over for collection to a Jefferson Capital System. According to my credit report, the account was opened on XX/XX/20. I have NO idea where this card was opened up or by who or where the charges occurred at. I don't know how to get this off of my credit as it's NOT me!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX/XXXX  Account Number : XXXX Account name : XXXX XXXX  XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I purchased equipment from Best Buy. A customer service representative explained that my purchase qualified for a 12 months no interest promotion. I called customer service for a credit increase. During the application process I asked the representative if the credit limit increase would affect my credit he replied " No, it is a soft inquiry it will not impact your score. '' So I agreed. He then proceeded to transfer me to a female representative for verification where I again stated that I would only agree to authorization if my credit score was not impacted. Again, the representative assured me that it was a soft credit pull. I also mentioned that I could pay the remaining balance in cash if my credit score would change. As soon as I agreed to the terms and conditions, I received a notification that an hard inquiry was added to my credit report. I have called Best Buy three times regarding this matter. The first representative apologized and explained that all credit applications require a hard inquiry. The second representative I spoke with disputed the transaction with the major reporting credit bureaus, which did not remove the hard inquiry. The third representative I spoke with said that my issue would be escalated. I explained that the matter had been escalated with no resolution and asked to speak with a manager. I explained the matter to the manager and asked if I could have a copy of the recorded conversation since the automated message states that all calls are recorded for quality purposes. The manager disclosed that I would have to subpoena the company for a copy. I am appalled that not one, but two customer service representatives would misinformed of the companies credit card policies and procedures. It feels as if they give false information to increase credit sales. I did not consent to a hard inquiry and made that very clear during the course of the conversation.
Product: Credit card

I have a Chase Bank credit card. For the past XXXX or 4 years it has been very difficult to make a payment online. I have the correct password but they never let me log in. I couldn't find the card but I knew the due date was coming up. I called them three different times and they said they weren't able to help me pay my card. I now have a late fee. This is not the first time it's been very difficult to make a payment with them their website doesn't work very good and it's almost as if they don't want me to make a payment. Very frustrating and it's like night and day with the other Banks I have no problem whatsoever Chase has a problem and I think it's a scam sometimes to get late fees by not letting people pay their monthly payment. This has been an ongoing problem and even though I have the correct password it never lets me log in and I'm tired of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first week of XXXX, XXXX  I did a pre qualification application through Carvana to finance a vehicle which stated that a pre qualification is not a hard pull to my credit. However, a car dealership In Illinois obtained my information and did a hard pull on my credit. The company that illegally ran my credit name is XXXX XXXX in XXXX Illinois. I did not authorize or give permission to Carvana and or XXXX XXXX to run a credit check on me. Please remove this hard inquiry from my report. Thank you.
Product: Credit reporting or other personal consumer reports

I believe someone has attempted to steal my identity. Im very unaware of the inquires on my credit report.
Product: Mortgage

1. Submitted a Deed In Lieu Of Foreclosure to First Bank PR on XX/XX/XXXX. 
2. Received a tel. call from XXXX XXXX XXXX, Mitigation Dept., requesting ; revised application letter, evidence of health condition, certified evidence of income sources. All documents requested were sent from the Bank 's XXXX XXXX on XX/XX/XXXX. 
3. Sent a certified letter which was received by the Bank on XX/XX/XXXX requesting information of the status of my case. 
4. Spoke to XXXX XXXX on XX/XX/XXXX who indicated my case had been denied due to lack of documentation. 
5. Received letter indicating the aforementioned, signed by XXXX XXXX, dated XX/XX/XXXX. The letter indicated new requirements ; requesting letter, reason for arrears, tax returns, family income/expenses. 
6. Prrsonally met with XXXX XXXX on XX/XX/XXXX at which time I was informed the documents were complete and no additional information was required. I told her I would file a complaint due to the thier violation which regulate the process of mitigation. 
7. Bank acct # XXXX VA acct # XXXX
Product: Mortgage

THIS IS NOT A DUPLICATE. 
I AM FILING A COMPLAINT AGAINST MR. COOPER ( MORTGAGE COMPANY ) LOAN # MR. COOPER CASE REFERENCE # 2 PROPERTY ADDRESS : Mr.Cooper ( Mortgage Company ) is attempting to modify my existing signed contracted mortgage agreement by making false statements. I have enclosed all necessary correspondence letters for your review. In the letter from Mr. Cooper dated XX/XX/2018 they clearly state '' Through review of the account history we verified there hasn't been any 30 day or more late payments received. '' That statement confirms that there was no reason to change or modify my original signed contract with XXXX XXXX of me ( owner ) to continue to make property tax payments directly to the XXXX XXXX   XXXX. Mr Cooper made an erroneous payment to the XXXX XXXX XXXX without cause. Also on the same letter dated XX/XX/2018, Mr. Cooper stated that they spoke to " Tax Collector XXXX, confirming the funds they remitted will be used towards the 3rd installment for the taxes ''. THIS STATEMENT IS COMPLETELY FALSE AND UNTRUE! I have enclosed a letter dated XX/XX/2018 from the actual tax collector for the XXXX XXXX  XXXX, NJ, XXXX XXXX XXXX, clearly stating that " The XXXX XXXX  XXXX does not apply bank payments made to an open quarter and then transfer that payment out and reapply to a future tax quarter '' .In conjunction with that statement, XXXX XXXX , also states " In the instance where a bank identified that they made a payment to a parcel in error, upon written request, the bank will be refunded the erroneous payment ''. Which is exactly the situation here, the payment that Mr.Cooper made to the XXXX XXXX XXXX was in error. Nothing on my part, caused Mr. Cooper to make that payment, and most importantly it's not part of my original signed contracted agreement for them to make property tax payments. Bottom line, the payment should have never been sent by Mr. Cooper. Therefore, I am demanding that Mr. Cooper request a refund from the XXXX XXXX XXXX directly, and exclude the modified amount from my account. The signed contracted agreement can not be changed due to an error by Mr. Cooper. I am not paying any additional amount or extra payment.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Eastern Account System XXXX XXXX XXXX XXXX XXXX, CT XXXX Subject : Demand for Verification of Permissible Purpose for Reporting Collection/ Creditor Name : XXXX  - Account Number : XXXX - Amount Due : {$420.00} To Whom It May Concern, I am in receipt of your feedback to my complaint filed for the inaccurate collection account reporting for creditor XXXX  ( Account Number : XXXX ) on my credit report. I demand an immediate explanation of the permissible purpose under the Fair Credit Reporting Act ( FCRA ) that allows Eastern Account System to report this collection. 

It is critical for collection agencies to adhere to strict regulations regarding the accuracy and legality of the information being reported to credit bureaus. You have an obligation to not only ensure that your reporting is accurate but also to confirm that you possess a legitimate permissible purpose for accessing and reporting my credit information. 

As of this moment, I have not received any documented evidence or communication that substantiates your right to report this account. Until you provide that information, I am demanding the immediate removal of this collection account from my credit report. 

As a result of these violations, I am entitled to seek damage as specified under the FCRA. Therefore, I hereby demand compensation of {$1000.00} for each violation committed. This claim is made in accordance with 15 U.S.C. 1681n, which allows consumers to seek statutory damages for willful noncompliance with the FCRA. 

I expect a prompt and thorough response to this serious matter. Your lack of action concerning the legalities of your reporting will not be overlooked. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I had a 60 day past due status reported to the credit agencies by Navient, but my XXXX statement and XXXX statement both show no amount past due. My account also has a " 3rd Delinquency Notice '' on XXXX XXXX, but there is no first or second notice. Additionally, since the claim is that I was 60 days past due on my XXXX payment, the fact that it was reported in XXXX makes no sense - it also should have showed up in my XXXX statement which is less than 60 days. I have called and sent in a complaint via their dispute mechanism, but never received a response or resolution.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year>. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment for XX/XX/year> was made on time. However, due to a clerical error by the bank, the payment was incorrectly processed, leading to a wrongful late payment mark on my account. I have attached the bank statement and payment confirmation as evidence to support my claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I was shocked to see incorrect accounts on my credit report tonight, and I have no idea how they got there. I always check my report regularly, but this time, there were unexpected errors. I even tried refreshing my browser, thinking it might be a glitch, but the incorrect accounts were still there. Because of this, I am requesting a thorough review of the documents I've sent so I can finally stop worrying about this happening again.