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

On XX/XX/XXXX I received an email from United Wholesale Mortgage stating my mortgage payment was received. It had been setup on automatic payment since XXXX XXXX  XXXX. I then saw on the website for United Wholesale Mortgage on XX/XX/XXXX that my payment was received. Then, on XX/XX/XXXX I received a letter in the mail that my payment for XXXX was not received. The letter was dated XX/XX/XXXX. I paid the amount as soon as I received the letter. The company sent my late payment information to the credit bureau as a late payment. This caused a drop in my credit score by XXXX points. I called the company and requested the late payment be removed from my credit and they refused to remove it stating their policy was if a late payment exceeded 30 days they had to leave it on the report. I explained and sent pictures that their company notified me in an email and on their site that the payment was received and the next notification I received was already after the 30 days had passed stating the payment was late. This gave me no time to correct the error within the 30 days to avoid the late payment from reflecting on my credit report. I called back after the initial complaint was filed and spoke to a manager named XXXX. I sent him the pictures I had and he said he would file the request to have the late payment removed from my credit report. In XX/XX/XXXX I received an email stating they would still not remove the late payment inquiry from my credit report. This company is at fault for not giving me the notification in an appropriate time frame and then penalizing me and my credit score. I have never had a late payment on any account I have ever had and because of their poor communication and policy my credit score suffered and therefore my ability to obtain future loans and purchases.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/year> Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer.
Product: Credit reporting or other personal consumer reports

Ive never had an XXXX XXXX XXXX account someone open account with my information. I received a bill contacted XXXX XXXX XXXX they removed item from XXXX XXXX XXXX two years ago.so 2 months ago it reappeared on my credit from different agencies Sunrise credit.please help me this is causing heartship .another incident mortgage company sells my loan to XXXX XXXX.so they run my credit without my consent.telling me that I qualify for refinance.I was Already looking at different co.But did not run my credit without.my consent.please help me out. Thanks again.
Product: Debt collection

The company/an court are working to sell my property using falsified copy documents. 
The company and the courts are violating Federal Law 15 USC 169B ( 2 ), 15 USC 169E ( 3 ), 15 USC 169C ( 2 ).

The debt collector company is trying to force me into a contract that I do not consent to nor accept. 

This is a communication from a debt collector. I don't have a contract with the trustee of the court record. 

The company and or the courts have publicized on record that they're selling my property XX/XX/year> without my consent.
Product: Debt collection

Ive completely asked this company to not have any type of communication with me but yet and still they continue on especially through my credit report even though the account has been charged off and a request was given to them for the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized I have many accounts, phone numbers, names, addresses, and socials on my credit report that do not belong to me in XX/XX/2020. I filed a police report and disputed it all with all three credit bureaus. They have not reached out to me about the investigation or when the accounts will be removed,
Product: Credit reporting, credit repair services, or other personal consumer reports

I see inquiries on my credit reports that are not accurate and these inquiries were unauthorized by me. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified and unauthorized items MUST be removed. I have an inquire on my TransUnion and XXXX Report from XXXX XXXX ( Bank ) on XX/XX/2021 that I need removed as required.
Product: Credit reporting or other personal consumer reports

My XXXX credit report has the company FNB OMAHA on IT, BUT THIS ISNT MY ACCOUNT. I have NEVER had an account with FNB OMAHA. I have lived in XXXX  for the past XXXX  years. I want this account REMOVED FROM my credit report even though IT has been in good status since the year XXXX. Thank you for your help.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute an entry on my credit report. Upon reviewing my recent credit report, I identified a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( a ).

According to the FDCPA, a debt collector is prohibited from communicating with a consumer regarding the collection of a debt without prior consent from the consumer or the express permission of a court. It appears that a debt collector has made communication attempts concerning a debt on my report without having obtained the necessary consent or court authorization. 

Details of the Disputed Entry : Account Number : XXXX Transworld System Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX Disputed Amount : {$650.00} I request that you investigate this matter and provide confirmation of the correction or removal of this entry if it is found to be in violation of the FDCPA. Additionally, please provide me with a written response detailing the results of your investigation and the steps taken to rectify this issue. 
Not only was the debt paid, it has been paid for months now. 

Furthermore, XXXX is legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure accurate reporting of consumer information. I, the consumer informed XXXX that all the inquiries reported were fraudulent. According to the law, once a federal trade commission ( FTC ) report is filed XXXX is required to remove all disputed items from the report within 4 days, pending investigation Please consider this letter as my formal dispute and request for an investigation as mandated by the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely,
Product: Debt or credit management

The company, XXXX and XXXX XXXX has negative accounts on my XXXX account. I have disputed this multiple times I have spoke to XXXX and I have reached out to XXXX XXXX XXXX, and I was told that there is no count found in my name or with my Social Security number.
Product: Credit reporting or other personal consumer reports

I have not opened accounts with these companies and have not given permission for them to open accounts or to look at my credit report please remove these accounts i have attached my notarized identity theft report along with two forms of ID my driver 's license and ss card thank you
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized inquiries and accounts on my consumer report, prompting me to file a report with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, XXXX and transunion for infringing upon my consumer rights by including these accounts in my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00}. I strongly believe that this situation exploits me, and I seek resolution.
Product: Debt collection

RE : XXXX Account Number Ending XXXX XXXX : Settlement Letter to Comenity to Pay in Full Account Ending XXXX XXXX : Settlement Letter Received by Comenity Bank XXXX : Comenity Bank Cashed {$290.00} Check as Stated Paid in Full per Settlement Letter XXXX : Cease and Desist Letter due to Comenity Placing Repeated Calls to Work Phone XXXX : Comenity Bank Still Report on my Credit Bureau and Still Repeated Calls to Work Phone
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; I recently received a copy of my Experian XXXX and XXXX credit report, and I noticed some late payments posted on my credit report. 
US DEPT OF ED XXXX US DEPT OF ED XXXX US DEPT OF ED XXXX US DEPT OF ED XXXX Your company is in clear violation of the law. Under 15 USC 1681b-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to who it relates.

Did I give your written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 US 1692g violations. 
4, .Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliaces-616. Civil liability for willful noncompliance 15 USC 1681n. 
Attached is my drivers license. A utility bill is not attached I am currently homeless.
Product: Credit card

Have paid off balance twice but this company keeps coming back with additional fees plus the account is being report incorrectly. account was finally charged off with a past do balance and the company wrote it of ton there taxes and still tryin to collect. this is fraud
Product: Credit card

I have a mastercard Visa with Chase. I submitted a payment for {$200.00} on XX/XX/XXXX and it was debited from my bank account. When I called the bank to check on the payment ( to inquiry about the balance on my account ) a Sr. credit analyst ( XXXX from XXXX XXXX ) told me that I had to wait 8 days before the payment cleared to see the new balance on my card. She also stated that she had to call the bank ( where the money was paid from ) to see whether the amount had already cleared. This is simply preposterous that in the age of computer she has to call a bank ... 
I find it outrageous to wait 8 business days for a payment that was debited on XX/XX/XXXX to be credited to my account. In the meantime I ca n't use the card because the balance appears for a higher amount than it really is, and I have no credit leeway.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we need to eliminate any erroneous accounts from my credit report. Could you review the documents? Several listed accounts have inaccuracies in reporting, including incorrect amounts and dates.
Product: Money transfer, virtual currency, or money service

I have {$5000.00} in VENMO and they will not let me retrieve my funds. This is cash money they are holding XXXX. 
This should be illegal!
Product: Credit card

I asked who requested to close my account because I received a letter from Synchrony bank saying I requested it. Syncrony bank never received a request from me. They did however respond to a third party acting on my behalf.
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 the 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 appreciate redress for these violation
s.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has added, ( Finally I must say ), a verification process when you add your Username and Password. The verification process, then calls the number on file, issues a validation code to input into the screen for double authentication. I never receive the call. I have been a member for XXXX yrs. This process is new. I have called multiple times, with either no answer, or someone would call me back to solve the issue. Nothing, it has been over XXXX weeks. Here was the ticket number I was given, # XXXX. Also, their phone system has no way of asking to fix this issue, and just hangs up on you. Its been weeks, and I have no access to my credit file.
Product: Checking or savings account

Fraud claim reference number XXXX I contacted this bank so many times through the CFPB and tried to get help. Now I also contacted the merchant moneygrams and they did send me the proof of payment document. And I did not recognize or known this person. Please help.
Product: Debt collection

An account from XXXX XXXX was closed and charged off with a {$0.00} balance, it was then bought by Jefferson Capital Systems LLC with a {$720.00} balance. I had no knowledge of this account and my ex-girlfriend was using this account until XX/XX/2018. We were not together in 2018. I'd appreciate if this account can be deleted off all 3 bureaus out of goodwill because it is the only collection holding my otherwise good credit on track.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me and I firmly believe they are fraudulent. I implore you to conduct a thorough investigation and promptly erase them from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a request for debt validation with my original contract and XXXX XXXX XXXX for accounts with DEPT ED XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX I have been waiting to be verified with Gemini for almost 2 weeks now in their company policy it states that verification takes up to 2 to 5 business days and still I havent received anything I have submitted all the necessary documentation everything is up-to-date and still I havent received anything back from them it is required to have a New York State ID or license as well as your Social Security numbers in order for this process of verification to be approved and I have submitted all those documents. XXXX thats the email that Im using regarding Gemini thank you
Product: Vehicle loan or lease

My name is XXXX XXXX i am currently a member of the XXXX XXXX. XXXX of 2019 i was suddenly XXXX which left me no time to contact my current creditors to notify them therefore i was reported late by CREDIT ACCEPTANCE CORPORATION for multiple months which has killed my credit score. I am about to come home soon and my plan is to purchase a home but this is hindering me. It was not by choice that i was suddenly XXXX. If these late pays can be corrected to paid on time never late that would really help me out. I have tried to dispute this with the credit bureaus and the original creditor which came back verified or validated..I am not an expert in credit so i do not know what else to do than to place a complaint with the CFPB. I hear the state attorney general is the next step. I do not want to cause issues for CREDIT ACCEPTANCE CORPORATION, I just want this corrected. thank You I have attached a copy of my report for reference on all the late payments they reported.
Product: Credit card or prepaid card

I paid this credit card off months ago. When I had originally applied there as no annual fee. I never received a bill, email or phone call asking me for the {$39.00} annual fee. They are now charging me 2 late fees @ {$40.00} each for an annual fee, not a purchase of any kind. So my total due is no {$100.00} and the min fee is {$99.00}, thats almost the entire bill. I attempted to call their customer service stating I would pay the annual fee immediately, yet I believed it only descent to discard the late fees. They would stated no. 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

I leased a car and obtained a loan through Reliable Credit. 
I believe the lease amount was {$6000.00}. 
My car was repossessed at my place of employment about 5 months after purchase. I missed a payment of {$290.00} and was unable to make payment arrangements with the company. 
The car was repossessed and sold but my balance left owing was {$4400.00}. They never informed me of the profit amount they made on the car and it looks like the car was sold completely under value leaving me with a balance. Ive tried to dispute this amount and Ive sent numerous letters requesting that they send me information on the loan and the sell and still have not received anything. 

Within the last year or two Ive contacted their company more than 5 times requesting information and all theyve done is report back to the credit bureaus that the information they have on file is accurate.
Product: Mortgage

My Mortgage was sold and I received a notice XX/XX/2022 that I should be making payments to Select Portfolio Servicing. I sent them the payment for XX/XX/XXXX, XXXX since XXXX they have been harrasing me for past due payment. I sent them numerous correspondence showing payments but they are insisting that I did not make XXXX payment. I contacted the previous mortgage comany and was told that the loan was sold and I am only responsible for making XXXX payment as my first payment. I also had made XXXXXXXX XXXX payment to the previous company. I have been sent late statements since XXXX and continouly receive late fees posted on my account. To date, I have paid XXXX since the loan was transfered
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I tried to buy PPE from a site, XXXX and they take PayPal. The site appears legitimate but upon further review is known to fail to deliver on their products. I tried to have PayPal stop the transaction but nothing happened and the charge went up from {$61.00} to {$70.00} for the purchase which makes it even more suspicious. Please tell PayPal to shut down this merchant and refund the money - there are many complaints about this site. It appears to be based in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TRANSUNION is continuously reporting inaccurate information to my consumer report, they have taken a vital role in myself and my childrens lives. They are practicing identity theft since I have never given any written authorization to share any of my personal information to any third-party entities which is a VIOLATION OF MY RIGHT TO PRIVACY. WHERE IS YOUR AUTHORTY? These companies have willingly and knowing reported inaccurate information after I have made several attempts to save my family from the malicious intentions we have endured. I have attached a response from a past complaint showing that XXXX did not reinvestigate after I provided information that this account was sold to another lender, how did they not know this information BEFORE ME and play such an important role in my life? TRANSUNION closed my recent dispute without providing a reason. This negligence has prevented me from purchasing a home, made insurance rates more expensive and has caused trouble in my marriage. I expect this false information to be removed from my report IMMEDIATLY this is ABUSE. Who is XXXX XXXX? WHERE IS A CONTRACT BETWEEN MYSELF & XXXXXXXX XXXX? I have never heard of this company why are these companies allowing this?
Product: Credit reporting or other personal consumer reports

I purchased a product from XXXX and used Affirm for the payments on XX/XX/23. This account was paid in full on XX/XX/23. I reached out to Affirm on XX/XX/23 because this account is reported to credit bureaus as delinquent and has been paid in full. I requested they change the status of the account to no longer being delinquent and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to ignore the Bankruptcy Judges orders which was to have the Bankruptcy stricken from all credit bureaus after a 5 year period of time. XXXX, XXXX XXXX have complied but Experian continues to perform with inadequate investigations. What shocking is every investigations states they used a third party vendor to verify the accuracy of the information. The letters sent to me about the investigations mention XXXX and that I may contact them. I have contacted them and they have removed the bankruptcy from the XXXX report. I have provided all this documentation to Experian to no avail. Please have them do their jobs as this has a major impact on my interest rates for borrowing. They are ignoring the results of XXXX and the bankruptcy order. It has already been an 8 year process with this being on ONLY Experians report for 3 years Longer than ordered by the courts.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, someone fraudulently used my social to request a Capital One credit card. This requested in a hard credit inquiry with all three credit bureaus. I have since filed disputes with the bureaus except for XXXX who said I have to mail in the request. Additionally, Capital One reported the application as fraud denying it. They also said it would be forwarded to the credit bureaus to let them know to remove the hard inquiry. I have also since froze all XXXX of my credit bureaus.