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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXhis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.
Product: Debt collection

My girlfriend and I financed a washer, dryer and a mini freezer with Great American Finance via XXXX  XXXX XXXX and they told us we had 12 months to pay same as cash but they did not say that if we were late on our payment one time that we would lose that deal and then be charged 30 % interest. My girlfriend who is in charge of the finances was late on 2 payments and so now I am receiving multiple calls per day over a 16 day late bill that I plan in paying this week but most of my payments are going to thr interest now instead of the principal. This is false advertising and complete harassment. I want to sue them for this or at the very least file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the bureaus on XX/XX/XXXX of an incorrect item and address on my credit report well over 30 days ago and it has yet to have been removed or investigation completed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX/ XXXX XXXX/XXXX XXXX Experian XXXX XXXX XXXX XXXX , TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX/ XXXX XXXX/XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX/ XXXX XXXX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX/XXXX/XXXX - received letter from Money Network Cardholder Services, which included a Visa Debit card ( last XXXX XXXX XXXX my myself and my husband for {$2400.00}. I did not want the card, and preferred the {$2400.00} be deposited directly into my checking account. 
XX/XX/XXXX - went to EIPcard.com site and created an account and requested a transfer of the entire {$2400.00} ( Economic Impact Payment ) into my personal checking account with XXXX XXXX. 
XX/XX/XXXX - Called the Customer Service number provided by EI to XXXX XXXX and advised the money had not been transferred and was told it could take several weeks. 
XX/XX/XXXX - Called XXXX XXXX  again and advised money was still not in my account. Again, told it could take up to 60 days. 
XX/XX/XXXX - Called XXXX again because I still had not received the money and they offered to put a trace on the money and told me to call back in a few days. 
XX/XX/XXXX - Called XXXX and they said they couldn't find anything and would send me forms to file a dispute with Money Network. 
XX/XX/XXXX - Received letter from Money Network with Case ID and forms to be completed. 
XX/XX/XXXX - Received letter from Money Network that the investigation was complete and there was no error and the claim was denied and closed. They denied and closed it prior to even receiving the completed forms from me. 
XX/XX/XXXX - Called Money Network to ask them the routing number of where the money was sent to confirm it went to my account and was given the website XXXX to find the documents related to my dispute. This website came back as unfound. Called back to Money Network and confirmed spelling of website, still unfound. 
I still have not received the money. I provided Bank signed bank statements showing the funds were never transferred into my XXXX XXXX account. The Money Network Financial website shows the balance of the debit card is {$0.00} and the money was transferred to my bank account but it has not been transferred. 
I also was referred to call the IRS, but was told they could not do anything either.
Product: Mortgage

On XX/XX/XXXX I started the process of refinancing my existing mortgage held by Loan Care/XXXX XXXX. I chose them because they had my existing mortgage and I thought it would be simpler. My girlfriend and I submitted all the paperwork, tax statements, bank account info, etc by XX/XX/XXXX. Despite multiple phone calls and emails, our closing has still not occurred. Our rate lock expired XX/XX/XXXX, but they state that they will honor it. But a refinance should not take 5 months. And we stil do not have a closing date. 

My personal contact person is XXXX XXXX, who has been very polite, but this is till not going anywhere. XXXX XXXX has also contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX. Also, I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX  XXXX and XXXX XXXX  XXXX. Please update and correct.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a XXXX  Gift Card in the amount of {$230.00} issued by US Bank. I have attempted to use the card on several occasions. One of my attempts was on XX/XX/XXXX, at XXXX XXXX, the retail chain that sold the card. ( There appears a business relationship between XXXX and US Bank, as there are US Banks at many XXXX locations here ). The XXXX Supervisor attempted to get the card to work and then called US Bank. He was told that US Bank would electronically fix the card immediately. After several minutes we tried the card again, many times, and the card still did not work. The Supervisor and I called US Bank again and were told a replacement card would be provided by mail. 

I have sent four letters via US mail, on the following dates as follows, and have received no replacement card, check or communication. 
XX/XX/XXXX ( Delivery Confirmed ) XX/XX/XXXX ( Delivery Confirmed ) XX/XX/XXXX ( Delivery Confirmed ) XX/XX/XXXX. ( Delivery Confirmed ) I have been sending my correspondence to Card Holder Services, Bank and Risk Operations, XXXX XXXX XXXX, XXXX, Florida, XXXX. The Reference number is " ID Card XXXX ''. ( All communication and delivery receipts are available to you upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO AUTO DEALER SERVICES XXXX XXXX XXXX XXXX, NC XXXX 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 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

I must be told if information of mine is going to be shared with non-affiliated parties and I was not. I want you to delete any information of mine you are reporting to any non-affiliated parties. I was not given a explanation on how I the consumer can exercise the non-disclosure option. Without this information provided to me you are in direct violation of the Law. I am requesting any information of mine you are reporting to STOP and be deleted ASAP.

( 15 U.S.C 6802 B1A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; Which I XXXX XXXX XXXX ; do not believe you did and now I am requesting you delete any information you are reporting of mine. I was not given a explanation on how I the consumer can exercise the non-disclosure option. Without this information provided to me you are in direct violation of the Law. I am requesting any information of mine you are reporting to STOP and be deleted ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed all credit cards and a XXXX XXXX XXXX charge-off with all 3 credit bureau and nothing changes. I worked hard to pay the credit cards balance down to a bare minimum to XXXX  balance on most cards as of a month ago. The XXXX XXXX XXXX account was settled and settlement amount has been remitted to XXXX XXXX who is XXXX 's Collection Agency. I have called XXXX to get a paid in full letter, but can't get an agent just voice mails and no return calls. 
I am tired of this vicious circle of nothingness. Please assist me in getting these items clear. My credit will never improve if the bureaus are not reporting correctly.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I sent {$2200.00} via Cash App for what was supposed to be my rent of {$2200.00} and the remainder a service fee to the rental company. The rental company turned out to be a scam. They stole my identity as well as my son 's. They made numerous charges to my bank account and I have been homeless for the past 2 months, eating very little, just trying to survive. I lost my job 3 days after the apartment deal fell thru. I have tried diligently to resolve this issue with my bank, they have refused, repeatedly taking the side of the scam artist XXXX  from a foreign country. I found out last week when the XXXX XXXX Sheriff 's Office here in Florida called me to let me know that after an extensive investigation, the preparators are not United States citizens, but currently operating their scam from the island of XXXX. 
I needy money back. I need to get back into an apartment with running water and I need to find another job. Please, please help me get my funds back. I did what I was supposed to do. I thought this company was real, they had a physical address, the people I spoke didn't sound odd, they sounded like locals. I just moved here and this has been a waking nightmare for my son and I. It's just us, my husband died a few years ago and I wanted a fresh start.
Product: Credit reporting or other personal consumer reports

Gettingunauthorizedhard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of theunauthorizedinquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been receiving numerous communication of misleading information as to name and information of a true Creditor, Accounting and Personal information mixed with a different Debtor. 
One example in one written notice I received it even had my bankruptcy filing information such as case number having the first digits mixed up too.
Product: Debt collection

Mandarich Law Group LLP is harassing me with phone calls and letters about an untrue, unproven, unverified, untimely and alleged collection account. 
Their File Number is XXXX. 
This alleged debt does not belong to me. 
They Name several Creditors in their letter, I have never signed any contracts or documents with any of these Creditors, nor do I have any signed Business contracts with Mandarich Law Group LLP.

Mandarich Law Group LLP has no proof that they have any legal right to collect on this alleged debt. There is absolutely no signed legal contract from me, or the original alleged Creditor, that I agreed that this alleged debt was to be sold to any 3rd, or 4th party Collection Agency, or Law Firm. 
Mandarich Law Group LLP is in clear violation of 15 USC 1692. ( c ) ( a ) of the FTC - Fair Debt Collection practices.

Mandarich Law Group LLP is also in clear violation of 15 US 1692d ( 806 ) Harassment and abuse, by their constant harassing phone calls and letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally sent a certified package containing a signed and notarized letter, FTC Affidavit to Equifax in XX/XX/XXXX and submitted a complaint to the CFPB on XX/XX/XXXX. It is now XX/XX/XXXX and the investigation is not being completed the way it originally had been done. USPS Tracking : XXXX On XX/XX/XXXX : Response from CFPB : Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items and the results are below : We have researched the credit account. Account # XXXX The results are : We investigated that this item does belong to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ACCOUNT HISTORY. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX The results of the investigation have been mailed to you, please allow 7-10 business days for delivery. If you have any additional questions or concerns in regard to the updates made to your Equifax Credit Report, please refer to the mailed revised copy or visit us at https : //www.equifax.com/personal/disputes or contact a Customer Service Representative at XXXX. 


Original Confirmation Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$6700.00} Closed Reported : XXXX. XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX {$5700.00} Closed Reported : XXXX. XXXX, XX/XX/XXXX A letter was send to inform the credit agency that this information is incorrect, they have no prove or wet ink signature or any contract with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about XXXXXXXX XXXX XXXXXXXX and Experian Credit Bureau. I noticed 2 unknown, unrecognized inquiries on my credit file. I have contacted both companies to remove this inquires dated, the first one is dated XX/XX/2021 and the next is dated XX/XX/2021. 

Because I did not apply for credit with XXXX XXXX  XXXX, I have also reached out asking that they remove the inquiry from my credit profile, the contact address i reached out was XXXX XXXX XXXX XXXX XXXX, SD XXXX. The address attached to the inquiry. 

Please launch an investigation into XXXX XXXX  XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX  XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It accuses me of an alias or aka of XXXX XXXX and that isnt true. I have a sibling that is a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I tried to login to equifax to check on the status of freeze but the website would say that my username/password is incorrect. There is no way to get out of the loop without calling their number, which has more than an hour of wait time. This has also happened multiple times in the past wasting a lot of my time for no reason. In particular, on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX I had the same issue. Is there a way to resolve this? I just want to be able to login just like any other individual but the company is actively preventing me from doing this with no recourse.