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

On XXXX/XXXX/XXXX I received alerts on my trans union monitoring service that my report had been pulled in response to a credit line increase on one of my credit cards with XXXX XXXX Upon checking I noticed my report was pulled 3 times. I called to discuss it and they said they were n't able to generate a report so they wo n't count. Further more they pulled XXXX the same day as I was on the phone with under writing to process the request. On XXXX/XXXX/XXXX I received another alert and upon checking noticed XXXX new pulls on my report. Again I called XXXX XXXX and was told they did n't pull my report and to contact Trans Union. I called and they said I need to call XXXX XXXX because they are in fact hard pulls done by XXXX XXXX I do n't know what to do at this point because each is pointing the finger at the other but I have XXXX unnecessary credit pulls in 2 days and 1 on XXXX for a simple credit line increase.
Product: Debt or credit management

Opened Debt consolidation account with XXXX, Debts transferred to SST following XXXXXXXX XXXX bankruptcy ( XX/XX/year> ) with minimum explanation or warning. Nearly impossible to pay SST online or reach any customer representative by phone. Website is poorly run and very outdated. Whole situation feels borderline illegal. Claiming me to be past due while giving me zero option to pay online or after many calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

XX/XX/XXXX l moved from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX managed by XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX and was expecting majority of security deposit but recieved an inflated bill claiming l owe them for 2 bathtubs needing reglazing, which is a lie because those cheap fiberglass tubs don't need it. 

I kept home tidy for the 2 years l was there. Never paid late. I contacted XXXX XXXX XXXX and spoke to a real nice lady from another state l believe she was in XXXX XXXX  in XX/XX/XXXX and, unfortunately don't have any proof of our email transactions ( which is weird ). 

Anyway, in XXXX l received a check from them for about {$500.00} that was mailed to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and thought this was over. I decluttered old files and unnecessary paperwork and can't prove anything but, l am not being dishonest but, they are. 

Please XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and the bad reviews you see is proof that they are unprofessional and don't care about their tenants. 

A predatory lawfirm, XXXX, XXXX XXXX XXXX XXXX has the fake debt and keeps increasing it. They are not debt collectors and claims that l owe XXXX and l don't.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA this late payment being reported for XXXX for XX/XX/2024 has violated my rights Per the 15 USC 1666B ( billing error ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and noticed some hard inquiries that are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my credit report to go over all of my open and closed account details. I noticed a collection account with a balance {$350.00} being reported as opened on XX/XX/XXXX from an agency called Credit Management LP with the originator account listed as XXXX XXXX. I have never had any account nor signed contract with Credit Management LP, yet they are negatively listing items on my credit report without my knowledge or consent. Therefore, I would like to have this negative item removed from my credit report as it is defamation of character and against the regulations set forth by the FCRA. Unless Credit Management LP is able to produce a signed contract between myself and their company this derogatory account needs to be removed immediately and not allowed to be reinserted onto my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX AM WRITING THIS ON MY OWN BEHALF WITHOUT THE ASSISTNACE OF ANYONE ELSE. In accordance with the Fair Credit reporting act 15 USC 1681 section 602A States that I have a right to privacy. The reporting of the account below are a violation of my prvacy. 

I have attached the documentation to reflect the incorrect reporting of the following accounts. The following accounts need to be removed right away due to being incorrectly reported and also as a violation of my privacy, I did not give Equifax, XXXX, or XXXX written permission to publish this information. Per 15 USC 1681 Section 604 a section 2 states and agency can not furnish an account without my written consent.. XXXX XXXX XXXX XXXX XXXXXXXX this account does not belong to me please remove it. FILE ATTACHED ... .... XXXX XXXX XXXX XXXX # XXXX this account is not valid please remove or provided the means by which you verified this account, I want the names numbers and address of the person you spoke to in order to verify this account. FILE ATTACHED ... ... ... .DEPT OF EDUCATION ACCT # XXXX in the amount of {$1100.00} This account has three different account status types across each agency. XXXX has the account listed as refinanced XXXX has the account listed as paid and Equifax has the account listed as derogatory. Payment status is listed as current with XXXX  XXXX has the account listed as a collection/chargeoff and equifax has this account listed as late 120 days. Update this account to current or remove the entire account for inaccurate reporting. FILE ATTACHED US DEPT of ED account # XXXX in the amount of {$1100.00} this account is reporting incorrectly on all three reports. The payment status last date active and date of last payment show three different date. Remove this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 year in XXXX XXXX california XXXX  in XXXX. now i worked ok the first couple of years in the field i started out working for XXXX XXXX then i moved to a place in XXXX XXXX california XXXX  a place called XXXX XXXX  XXXX XXXX where i got robbed like XXXX XXXX  an XXXX  and locked out from mostly all my XXXX  i hear theres a couple of XXXX  pages that im not familiar with and 5 celphones  on my names that i also did not take out also a couple bank acounts i never created and benifits in california i never applied for i been harrast by a guy who use to work in the field with me and my brother who i think is the one who stoled my papers also some cops from XXXX  XXXX then we got pulled over by XXXX  and also took my replaced documents because he wanted money ive been tooken to jail 3 times the second my name was slighly change i asked why did you changed my name and she said it wont affect me ive tried to reach out to the authority but they say that i have to bring a credit inquiry i got it its like someone deletes information from it i have a person helping me from XXXX  holding information for me in case because i also think im getting hacked on XXXX  i applied for us passport and never recived it.when i called the place they said that my documents will be resent
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or open these accounts, and I have no knowledge of their origin. In compliance with USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020 I pulled my credit report and discovered multiple inaccurate accounts reporting. I have filed countless statements and dispute and this company and the credit buearus have failed to remove these accounts. This is prohibiting me from purchasing a home. I was a victim of identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  account # XXXX {$1800.00} is reporting a balance on a charged-off account which is not in compliance with IRS REGULATIONS and FCRA Laws and this is a direct violation of my consumer rights and potential Tax fraud. 

They did not issue a XXXX on this account after writing it off to the IRS.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX LAST FOUR : XXXX ( DISPUTE CODE - XXXX ) Hello, my name is XXXX XXXX and my personal information was stolen in XXXX, since that day Ive been seeing a lot of unauthorized accounts. Ive attached a police report pertaining to the incident and sent it to Equifax. In accordance with the Fair Credit Reporting Act multiple unauthorized accounts I have found on my credit report please immediately delete and remove all inaccurate accounts I have listed. 

In accordance with the Fair Credit Reporting Act XXXX, Account : XXXX XXXX XXXX has violated my rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus. I NEED this account XXXX XXXX XXXX deleted from my credit report profile. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I NEVER AUTHORIZED XXXX XXXX XXXX OR THEIR ORIGINAL CREDITOR XXXX XXXX TO USE MY INFORMATION OR DONE ANY TYPE OF BUSINESS. I HAVE FILED A POLICE REPORT ABOUT THIS ISSUE BECAUSE MY IDENTITY HAS BEEN STOLEN THROUGH THE PANDEMIC AROUND XXXX. PLEASE REMOVE THIS DEROGATORY ACCOUNT I HAVE NEVER ASSOCIATED MYSELF WITH IT IS VIOLATING MY CONSUMER RIGHTS AND I WILL TAKE IT TO COURT IF THIS IS NOT REMOVED. 

- XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Incident Summary : Background : On XX/XX/year>, I was contacted by an individual claiming to be XXXX XXXX, an HR manager from the LA XXXX, regarding a remote graphics designer position. Following a XXXX interview on XX/XX/XXXX, I was offered the position on XX/XX/XXXX. Subsequently, I submitted a XXXX and an initial hire document as requested. 
As part of the job, I was informed that I needed to purchase specific equipment, including a XXXX and software, with funds provided by the company. On XX/XX/XXXX, I received a check for {$3900.00}, which I deposited into my Wells Fargo account through mobile deposit. The check was put on hold, with {$220.00} available on XX/XX/XXXX and {$3700.00} on XX/XX/XXXX. 
Fraud Discovery and Account Closure Notification : On XX/XX/XXXX, after depositing the check, I was asked to cancel it because of the hold, which raised suspicions. I contacted XXXX XXXX fraud detection department to alert them of a potential scam. Despite informing them, my account was scheduled for closure, as per an email from Wells Fargo dated XX/XX/XXXX, citing the deposit of a bad check. The account was initially set to close on XX/XX/year>. 
Extension and Continued Issues : Due to ongoing issues with changing my Veterans Affairs ( VA ) XXXX compensation direct deposit to my new XXXX account ( VA case numbers XXXX, XXXX, VA complaint XXXX ), I requested an extension from Wells Fargo. On XX/XX/XXXX, Wells Fargo approved the extension, setting the new closure date for XX/XX/year> ( Wells Fargo Case # XXXX ). 
Premature Account Closure : On XX/XX/year>, I discovered that my Wells Fargo account had been closed prematurely, with a balance of {$0.00} instead of the expected {$140.00}. Upon contacting Wells Fargo, I was informed that the account was closed early by mistake, and nothing could be done to reverse the closure. 
Impact : This premature closure has caused severe financial hardship : I am unable to receive my VA XXXX compensation, which was scheduled to deposit on XX/XX/XXXX. 
I will not receive my XXXX compensation check until it is mailed to me, which will take approximately XXXX  days from XX/XX/XXXX. 
My mortgage and bills totaling around {$2900.00} for XXXX will go unpaid. 
I have no funds for groceries, dog food, or gasoline XXXX XXXX to medical appointments in XXXX and XXXX.
Product: Mortgage

I am trying to get select portfolio to modify my loan and they keep requesting the same information that I have already submitted electronically over and over again. I have spoken to different people via telephone conversation regarding this and no one seams to be able to help. I need some assistance with a modifications on my loan. I lost my job during covid and fell behind on my payments I have now started working and would like to continue making payments to keep my home. Select portfolio keep telling me every week when I call that they are getting ready to take legal action if I do not bring my account current. I am asking to put my past due at the end of my note and allow me to make payments to keep my home. I was told that they are not a mortgage bank and they can not do that..i need someone to assist me with this. It's difficult to deal with this company with all the miss information that the representative give. Seems like everytime I call i speak to someone new who don't know what they are doing.. Please help me with this company. 
I don't want to lose my home please. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them!
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( 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 regulations e. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I paid of a debt on full to Hunter Warfield 5 years ago on XX/XX/2018 in the amount of {$3000.00} which was the amount on my credit report at the time. I have proof of payment along with the dispute letter I mailed to the Credit Bureau during that time. It was taken off my credit report then put back on it months later. My current credit report the amount is {$3600.00} with accrued interest. I called asking for them to remove it every year since & to give me documentation stating paid. They were rude and claimed to see no record of payment. I've been dealing with this issue for years. I've decided to take legal actions against the company. I don't owe them anything. Many other consumers have the same complaint regarding this company. I'm moving forward with a civil suit to find resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX  breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX   XXXX XXXX - Account : XXXX. 
Creditor : XXXX XXXX XXXX Account : XXXX .... 
Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

these are unauthorized inquiries on my credit report from the following companies that i would like removed. information as follows cap one af XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my husband and I fell victim to a {$1500.00} scam through Zelle, where the funds were fraudulently taken from our account. Despite reporting the incident immediately and providing all the necessary information, Zelle ignored our complaint and failed to offer any assistance or resolution. As a result, we are now {$1500.00} in debt and struggling to recover financially from this loss. This experience has not only caused significant stress but has also left us feeling unsupported by a platform we trusted to provide secure transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX I previously disputed this account with XXXX XXXX Equifax and XXXX on XX/XX/23 stating : " The current payment status of XXXX Delinq is incorrect because the balance due on this account is {$0.00}. ". I don't agree with the results of your investigation. The agency verified account but failed to send me proof of information. I would like this account to be deleted as soon as possible. This inaccuracy is hurting my score and my ability to be approved by a lender. Balance can not be XXXX and 120 days past due. Please delete.
Product: Credit reporting or other personal consumer reports

I am having trouble accessing my credit report on Experian since XX/XX/year>. I recently discovered fraud on my credit report and after disputing it with Experian, I have been unable to access my credit report with and error message stating " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report ''. I spoke to customer service on XX/XX/year> and was told they would send my credit report via email. I have not received it. I also inquired about my problem but the lady was unfamiliar with the issues and transferred me to membership services and all I was asked by an automated service was if I wanted to upgrade my membership. I then called back and requested a credit report via mail. I would like help in resolving this problem.
Product: Vehicle loan or lease

American Credit Acceptance did not close the account when car was repossessed and sold in  XX/XX/XXXX. They kept the account open and added interest, so the balance is now {$14000.00}. I bought a XXXX XXXX XXXX in XX/XX/XXXX ; the loan was {$11000.00}. When I got sick in XX/XX/XXXX, the balance should have been {$8700.00}. They sold the car, so there should be {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX close date missing date of Last Activity missing
Product: Credit card

Fifth Third bank is reporting this on my credit report even though the date of XXXX delinquency is on XXXX, 2007. This is past the Statue of Limitations in my state and I have tried to dispute through the credit reporting agency and they come back verified. Fifth Third has sent me a letter stating that this account fell into delinquency on XXXX 2007 and still will not change the reporting.