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

On XX/XX/XXXX, I purchased a fridge at Home Depot ( order XXXX ) located at XXXX XXXX XXXX XXXX XXXX  XXXX, WV XXXX. In the contract, the new fridge was supposed to be delivered on XX/XX/XXXX. The delivery guys were supposed to unplug and take the old fridge to another room ( I explained that it would be the walkout basement ) and install the new fridge before they leave. Four guys came, their supervisor prevented the three to move the old fridge claiming that it's a commercial fridge. As Home Depot employees who knew my old fridge via pictures that I took there when I went shopping for the new fridge, my old fridge is not a commercial fridge. Anyway, on XX/XX/XXXX, I told them that if they can move the old fridge and install the new ones, then they have to take it back. Later that day, a Home Depot employee contacted me, I explained the situation. She said that Home Depot has a plumber they refer to their client ( XXXX from XXXX XXXX ). And this plumber was going to come and remove the old fridge, and install the new one. Because this plumber is not a Home Depot employee, the plan was that I would pay him whatever the charge to do all of these was going to be and take the bill to Home Depot for reimbursement. I thought this was a reasonable plan. I did not know it was a trap. The plumber even called me, and I felt : this is real. So, I accepted the new fridge on XX/XX/XXXX and they left it in the leaving room waiting for the Home Depot referred plumber to come and move to old fridge and install the new one. That never happened until today ( XX/XX/XXXX, over two months after delivery ). The plumber called me that one time before delivery, after that, I tried to call/text him in vain. He would respond to a Home Depot employee ( XXXX XXXX ) who had connected us. The response would be covid. On XX/XX/XXXX, XXXX finally came to my house with the hope that he is installing the fridge. XXXX was in my house for nearly two minutes, then he left without explaining why. I told him to at least write to XXXX and explain. I don't know what he gave them as explanation. Before, XXXX came to my house, I went to Home Depot trying to bring this issue to their attention. Once they said that someone was coming to install this fridge on XXXX the XXXX, but nothing happened that date. I made countless call to the store in vain. I looked up the store manager on XXXX. I got his name ( XXXX ) and start calling asking to speak to XXXX, the store manager. After many many calls, he finally called me back. He sounded like he was briefed of my situation. He apologized, and promised me to solve my issue within 48 hours. Unfortunately, nothing happened. After 48 hours he called me back again to apologize that he wasn't successful. He asked that I give him more time, and I did. We are entering into the 4 months since I ordered and had this fridge sitting in my living room. I am requesting that home deport take back this fridge as they don't have or can't find an installer.
Product: Debt collection

Check was sent to cover entire bill was cashed and yet still reporting on my credit report. They received more than the entire bill. Nothing but problems trying to get more money from my checking account when its more than enough to clear a. Punt ac or ding to their document. I had to get my bank to not allow them to continue taking money when they have been paid.
Product: Credit reporting

Good day! I have a public record on my credit report from 2008 concerning XXXX XXXX XXXX that I believe should be deleted based the statue of limitations. I have paid the debt and it should not still be on file since it is now 7 years. Please assist me inn this issue, if at all possible. Thank you ...
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last few months I have been disputing this account ( CURACAO ), Which i noticed the reporting upon checking my Credit. Back in XXXX when i became aware, this account was reporting as a Charge-off and was sold to XXXX XXXX Also, it was reporting twice on my profile with multiple inconsistence 's. The accounts were also appearing as open after it was charged-off and had different balances reflecting on all three credit bureaus. Every time i sent a dispute, the accounts would come back verified and the " DATE REPORTED '' would come back re-aged as recent which would knock my credit several points and it is also illegal. I pulled my Credit report as of ( XX/XX/22 ) and notice that now CURACAO is reporting three different times and show a status of open on some bureaus and closed on another. Its hindering me from establishing Credit so that I can purchase my home. I ask that the Credit bureaus alongside CURACAO be held responsible far as making correction to my account.
Product: Debt collection

I am filing a complaint against Portfolio Recovery due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Portfolio Recovery failed to take timely and effective measures to prevent and address problems on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply to dealing with inaccurate information as well as harassing me, calling me several times a day, and threatening to hurt my credit report or worse with harsh verbal harassing. This account is on my report as a Derogatory Collection which is incorrect ive also asked where this debt came from and they wont give me any information. These actions have caused significant inconvenience and financial loss, as well and credit score dropping due to inaccurate account and i seek appropriate redress for these violations. 
Under US Codes 15 U.S. Code 1692c 15 U.S. Code 1681 e ( b ) 15 U.S. Code 1635 15 U.S. Code 1692g 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 ( billing error resolution )
Product: Mortgage

My mortgage was sold to a company called SLS ) Specialized Loan Servicing XXXX in XXXX of 2015. Since that time they call my home multiple times per day, almost everyday. Sometimes XXXX right after another. My account is not in arrears, my information is current and they have all insurance documentation. I have repeatedly asked them to stop calling. I have also faxed them a cease and desist as they requested. The calls have not stopped.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed accounts on my credit report that were not a result of any transaction initiated by me. The fair credit reporting act states that consumer reporting agencies have an obligation to report 100 % accurately and fairly. I am a victim of identity theft. The reporting of these accounts leaves me open to additional fraudulent transactions. In addition, I am now being punished for someone stealing my identity and accessing my credit report without my permission or a permissible purpose! I need this corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 : 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 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
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a XXXX party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX04 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report. Thanks 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 And might I addThere are quite bit of different names and addresses on my credit report that I I do not recognize and never used. Here are all the names XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX And there are several phone numbers that are not my number. So I asked that it be removed. There is employment data reported from a XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Please remove these items account names and phone number from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I reached out via letter to XXXX XXXX to resolve this account. They were unresponsive. I followed up again as a follow up in XX/XX/2021 to resolve this account. This company was unresponsive. Please remove this account as this company has been unresponsive and did not respond in the allotted 30 days. Please remove from my credit report.
Product: Debt collection

This company is calling me every day for my sister-in-laws debt. They have been told we do not speak, and my cell phone they are calling is for XXXX emergencies as I am a XXXX. I do not know how they got this number, and it is effecting my practice. 

Most recent phone calls were : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, voicemails on XXXX at XXXX XXXX etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company ran unauthorized credit inquiries on my credit report. This is suspicious to me and so kindly delete asap : XXXX
Product: Student loan

After getting XXXX and being out of work Navient our my loan in forbearance and each year adjusted my payments based on my income. But the payments were apparently interest only but the amounts didnt cover interest either. 

By the time I had a XXXX child two years later and we attempted to do forbearance again we noticed our loan balance actually went up over the course of 3 years because our payments that were decided for us didnt even comer all the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX yrs, XXXX mos ) Highest Balance {$870.00} Creditor Information WAKEFIELD AND ASSOCIATES XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX Someone used my information with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting 3 Closed and Paid in Full Accounts inaccurately. I have sent them requests to correct these accounts starting in XXXX of 2022, with a follow up in XX/XX/2022, then another follow up in XXXX of 2022. The time they responded they stated " verified by furnisher ''. However, this is not the furnisher 's error. It is how EXPERIAN is reporting the payment status. 

They are reporting a derogatory payment status on all three accounts : A payment status is to report the CURRENT PAYMENT STATUS. 

XXXX- its paid in full and closed- 1 ) they are reporting the payment status as " paid, was past due 180 days or more '' 2 ) They are reporting a two year history- that is OVER two years old and there is never 180 days late payment on there.

UPDATE THE PAYMENT STATUS TO : " PAID AS AGREED '' AND REMOVE THE TWO YEAR HISTORY THAT IS OLDER THAN TWO YEARS. 

XXXX XXXX XXXX : its paid in full and closed- 1 ) they are reporting the payment status as " paid, was past due 120 days " UPDATE THE PAYMENT STATUS TO : " PAID AS AGREED '' XXXX XXXX XXXX XXXXXXXX : its paid in full and closed- 1 ) they are reporting the payment status as " paid, was past due 180 days or more '' LOOK AT THE TWO YEAR HISTORY THERE ARE NO LATE PAYMENTS- UPDATE THE PAYMENT STATUS TO : " PAID AS AGREED '' THEY ARE IN VIOLATION OF MULTIPLE FCRA GUIDELINES. 

KEEP IN MIND I WILL NOT ACCEPT ANYTHING BUT ALL THREE ACCOUNTS BEING CORRECTED AND UPDATED TO SHOW THE CURRENT ACCURATE PAYMENT STATUS. 
THIS HAS DAMAGED MY CREDIT FOR OVER A YEAR NOW AND IF ALL THREE ACCOUNTS ARE NOT CORRECTED IMMEDIATELY, I WILL PURSUE LEGAL ACTION AGAINST EXPERIAN FOR THEIR DISREGARD FOR FEDERAL LAW. 

Ive included all certified letters, as well as all three accounts credit report with the inaccurate information highlighted.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX the account number XXXX and a collections account opened at XXXX XXXX - XXXX XXXX  on XX/XX/XXXX XXXX XXXX balance of {$4400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent information reported by XXXX XXXX XXXX on my credit reports with Experian XXXX XXXX XXXX and XXXX XXXX The discrepancies in the reported data are substantial and have led to a misrepresentation of my credit profile. Additionally, there are concerns regarding a potential breach of privacy as my account was sent to collections without proper notification. I demand the immediate removal of this account from all credit reports and compensation for the harm caused by these inaccuracies and violations. 

Inaccuracies Identified XXXX. Account Status : Experian : Paid XXXX : Derogatory XXXX : Paid XXXX. Date Opened : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX Credit XXXX XXXX Experian : {$1000.00} XXXX XXXX {$0.00} XXXX : {$1000.00} XXXX. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Payment History : Experian and XXXX : 30 Days Late XXXX XXXX, 60 Days Late XXXX XXXX, 90 Days Late 2 Times XXXX : No late payments Violations and Impact The discrepancies between the credit bureaus regarding the account status, credit limit, date last active, and payment history are clear indicators of inaccurate reporting. The inconsistency in reporting late payments, with Experian and XXXX showing multiple late payments while XXXX shows none, further highlights the severity of the inaccuracies. Additionally, the fact that the account was sent to collections without proper notification raises concerns about potential privacy violations. 

XXXX Laws and Regulations XXXX. XXXX XXXX XXXX ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in the reported information violate this requirement. 
XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 
XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified. 
XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - Responsibilities of XXXX of XXXX : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
XXXX. XXXX XXXX XXXX ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies. 
XXXX. Right to Privacy : The potential unauthorized handling or sharing of my account information, especially if it was sent to collections without proper notification, could constitute a privacy violation. This involves disclosing sensitive information to third parties without proper consent or authorization.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below had violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681 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  15 U.S.C 1681 section 602 A States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also state a customer Reporting agency Can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no customer reporting agency May make any customer report Containing any of the following items of information any other adverse item of information, other than Record of Conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a customer to any customer reporting agency if the person knows or has reasonable causes to believe that the information Is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To who 'm it may concern, I am writing this dispute on behalf of Equifax. I have contacted Equifax via phone and via certified letter on behalf of XXXX unauthorized hard inquiries. I have had a fraud alert in my credit file before also my personal information was convined with someone else 's personal information now I have a fraud alert due to identity theft that indicates anyone who runs my credit needs to contact me to verify if it 's me seeking credit and that was n't done and that violates my rights as a consumer. I have reached out to Equifax on more than one occasion to advise of my credit being pulled with out my permission and request them to delete the inquiries with no result.
Product: Credit reporting or other personal consumer reports

Without my agreement, a subscription was started by Experian for XXXX dollars a month, when I attempt to login to the website to cancel the subscription, it then claims that there is an issue with the payment, so I can not actually get into my account.
Product: Debt collection

This is my second complaint and bull city response was to get a fraud packet send to them. The information requested was not received at my address and if you send it from XXXX  but was nit received. However, you didn't specify what address it was sent to. 
Secondly, according to The statute of limitations on debt in North Carolina is XXXX years, according to N.C.G.S. 1-52 ( 1 ).
Product: Checking or savings account

ON XX/XX/XXXX I WENT TOFIRST FINACIAL BANK THE BRANCH I BANK WITH AND WITHDRAWLED SOME MONEY OUT OF MY CHECKING ACCOUNT BECAUSE I WAS LEAVING ON XX/XX/XXXX TO GO ON VACATION WITH MY FAMILY I AT THAT TIME TOLD TELLER TO MAKE NOTE I WOULD BE TRAVELING THRU KENTUCKY TENNESEE AND VIRGINIA AND NORTH AND SOUTH CAROLINA IF CARD WAS NEEDED TO BE USED ON XX/XX/XXXX I RECIEVED A TEXT MESSAGE ABOUT MY CHECKING ACCOUNT I IMMEDIATELY CALLED THE 1866 NUMBER TO SEE WHAT WAS GOING ON AT THAT TIME I WAS TRANSFERRED TO MY BRANCHAND TOLD I WITHDRAWLED OVER XXXX SOME DOLLARS WHICH BY FAR WAS NOT TRUE I NUMBER ONE WAS NOT ANYWHERE NEAR TEXAS WHERE THESE CHECKS WAS FROM THE BANK MANAGER WAS VERY RUDE ON THE PHONE TO ME ACTED AS IF I WAS IN THE WRONG I WAS TOLD TO FILE POLICE REORT AS SOON AS I RETURNED ON XX/XX/XXXX I DID THAT THE SAME MORNING I WENT TO MY BRANCH AND WAS TREATED THE SAME WAY WHEN CLEARLY I WAS A VICTIM OF IDENITY THEFT FROM THAT DAY ON I HAVE HAD NO ASSISTANCE THRU BANK NO CALLS NOTHING LETTING E KNOW WHATS GOING ON ALSO I HAVE XXXX BEING KEPT FROM ME FIRST IT WAS TO INVESTIGATE NOW ITS THE BANKS TO KEEP BECAUSE I WAS OVERDRAWLED I CALLED ON XX/XX/XXXX AND WAS ASKING QUESTIONS GOT TOLD 3 DIFFERENT VERSIONS WAS TOLD MY MONEY STILL WASNT AVAILABLE AND WAS THERES AND AFTER I HAD TO CUT HER OFF AND TELL HER THE VIDEOS SHE HAD OF ME AT BANK WAS MY MONEY I WITHDRWLN THESE CHECKS WAS DONE THRU ONLINE BANKING MOBILE BANKING I DO NOT UNDERSTAND HOW A BANK CAN ALLOW 3 CHECKS TO GO THRU THAT DO NOT EXISTS ANYWHERE AND HOW THEY DIDNT STOP THEM BEFORE IT GOT THAT BAD AND WHY MY MONEY HAS NOT BEEN RELEASED I HAVE CONTACTED A LAWYER AND HE IS LOOKING INTO IT AND STILL AS OF XXXX TODAY THAT BANK MANAGER HASNT RETURNED MY CALLS SO I KNOW THEY KNOW THEY MESSED UP SOMEWHERE IM THE VICTIM BEING TREATED LIKE A CRIMINAL
Product: Checking or savings account

Chase closed my bank account without notice and is holding my money and robbing that money and will not give it back and my direct deposits is still set up to the closed account please help me get the account back open and they cut the banking relationship with me which wasnt my fault