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

On XXXXXXXX XXXX  I submitted a request for my consumer report from Early Warning Systems through the secure transfer portal at https : //consumerservices.earlywarning.com. 

I believe XXXX has violated the law of the CRA and California State Law as they were supposed to send me my report within 5 business days. Attaching proof from their website below. Along with denying me access to their site after requesting my report, also a violation. 

After no response for several days, I logged in through their secure transfer portal to check the status. 
It showed the request and documents were viewed and read by an associate, and even included the associates name. 
However, I received no reply. 
I sent another request, asking why my initial request was ignored. 

In another day or so, I tried to log in again to check the status, and my log in suddenly did not work so I tried to reset my password, and the request was denied. It seems they had disabled/locked me out of the system for requesting my report. 
Attaching all the proof below. 

From the XXXX website. 

" Consumer reports will be provided to residents of the below states in accordance with state laws : XXXX XXXX  : 4 business days XXXX XXXX XXXX XXXX  : 5 business days XXXX  : Promptly '' " Please return your completed, signed and dated Consumer Identification and Certification Form and a copy of one form of identification ( Drivers License, ID Card, Passport or other government issued identification ) to Early Warning by mail, fax or uploaded to our Secure Transfer Portal. '' " To communicate electronically with us, via the Transfer Portal, go to https : //consumerservices.earlywarning.com. When prompted for the Early Warning email address, enter XXXX. Follow the instructions on the screen to create your User ID and password, and to upload the documents to be transmitted to Early Warning. If you need technical assistance with the Transfer Portal please call XXXX '' "
Product: Debt collection

Stellar Recovery Inc listed a collection account on my credit reports which I have no knowledge of. I have no clue who this company is or what account they have listed on my credit reports. I have received no correspondence from this company regarding any account. They have fraudulently accessed my credit report, and I am disputing this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was disputed, got deleted and reappeared on credit report with a different amount of what the collection agency ( XXXX XXXX ) sent me and also account is showing open when in fact its already in collection.

15 USC 1681 Section 602 A : States i have the right to privacy 15 USC Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

1 ) account cant be in collection and still remains open 2 ) Agency violated my rights 3 ) Agency failed to mark account as disputed 4 ) Account has differnt amount from what the collection agency sent me on letter attached.
Product: Credit reporting or other personal consumer reports

I filed for a deferment on the mortgage and was approved. The company continued to report late payments although the deferment was set with the company and I completed all necessary paperwork. I sold the home on XXXX and a wire was sent to payoff the full balance. The company reported a late payment for the month of XXXX because their accounting department did not payoff the loan. State Home reported another late payment and did not close the loan. They found payment on XXXX. This has caused me to be denied for an apartment because the mortgage is in arrears. State Home Mortgage Account number : XXXX
Product: Credit card or prepaid card

I submitted a {$340.00} payment to XXXX, XXXXXXXX XXXX on XX/XX/2022. The merchant booked a hotel I was not expecting to stay. With days of no response, I submitted a dispute, got the credit but then I got a call from the merchant with an updated reservation. Immediately in good faith, I cancelled the dispute and authorized a rebill. The new charge {$340.00} was posted on XX/XX/2022. After a month on XX/XX/2022, my reservation was cancelled. The drama began. 

The merchant insisted that there was no rebill. My bank Chase, declined my dispute three times. They refused to credit me the {$340.00}, three months after the initial charge.
Product: Debt collection

I received a letter from " Kingston Data and Credit International ''  stating that I owed {$200.00} to the health club " XXXX XXXX ''. I was a member of this club from XX/XX/XXXX - XX/XX/XXXX in XXXX XXXX, SC. In XXXX of XXXX I cancelled my membership in accordance with the membership contract I signed in XXXX of XXXX. The contract stipulated a year 's membership ( 12 months + a down payment ) after which the membership moved to a month-to-month basis. So after satisfying the 12 month requirement ( XX/XX/XXXX - XX/XX/XXXX ) and continuing my membership for 3 more months, I decided I did not want to be a member anymore. So after paying the month of XX/XX/XXXX in full, I notified XXXX XXXX in XXXX XXXX, SC, that I wanted to cancel my membership. 4 months later, I receive notice that I'm 4 months behind my membership dues and this " debt '' has been sent to collections, i.e. Kingston Data and Credit International. 

This debt being pursued is entirely false, and all attempts to resolve this with XXXX XXXX have not been effective. They have not even responded. All inquiries to the debt collection firm disputing the validity of this debt have been met with this statement, " Please be advise as per our letter XX/XX/XXXX we have directed you if there is anything else you are requesting or need to discuss you are to contact XXXX XXXX at XXXX. '' I do not deserve this so called " debt '', I dispute its entire validity. I have copies of my membership contract showing that I acted in explicit accordance with its terms. I do not deserve to have this " debt '' collections record show up on my credit report, which is otherwise XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm making this complaint so that the credit bureau is AGAIN made aware that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit agency could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from Barclays, stating that I had earned a {$100.00} flight discount, because I spent {$2500.00} over the past membership year. The email provided me a flight discount voucher code ( XXXX ) AND expiration date ( XX/XX/XXXX ). I tried to book a flight on XX/XX/XXXX, and when I entered the code, I got a response that there is no value to that number. I called their customer service line, and was told that the code was only good for 6-months. I explained THEY sent the email to me, stating it expired on XX/XX/XXXX. The person on the other end of the line insisted the code was only good for 6-months from the issue date. She advised me to call XXXX XXXX. I explained that the email came from Barclays, not XXXX. I asked to talk to a supervisor, who told me they were aware of this problem and that I couldn't use it on the flight I wanted to book, but that they would credit my credit card account. She told me that they would have to investigate it. I explained that if they were aware of the problem, why would an investigation need to be done? She couldn't give me an answer. Well, I've been waiting for their investigation to be done and my account to be credited. Today, XX/XX/XXXX, I received a letter from Barclays, stating " We're currently unable to assist you with your Rewards issue. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple web sites for Equifax do not aid me in trying to manage the freeze status of my account. They do not respond and the company provides no help. When I try to create an account the web site does not respond. I can't use my previous PIN anywhere on the site. I have no idea the status of my credit freeze.
Product: Debt collection

On XX/XX/24 I was contacting by a family member that I have no contact with that SPRIRE RECOVERY was contacting their phone and giving out my personal information in relation to a debt that I owe them. No company should be giving out my personal business to any individual unless it's me. I have not given this company permission to contact anyone about my debt. THEY NEED TO STOP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit card from XXXX XXXX for which I never submitted an application. I contacted all three credit bureaus to confirm no additional suspicious activity on my credit report and place a fraud alert. I had no issues with XXXX  or XXXX. Equifax refused to review my credit report with me on the phone. I was required to submit to a long series of extensive questions regarding my financial history dating back over several years. I did not have such documentation readily available to me to respond. Given that I have just been the victim of fraud, I also frankly did not want to submit this level of information. The service representative refused to discuss my credit report with me and notified me that, in order to receive my credit report from Equifax, I am required to submit photocopies of identification because I did not answer all of her questions regarding my financial history. My alert claim number is XXXX.
Product: Mortgage

Right before Covid, XXXX XXXX sold our loan to Rushmore lending the date of the transfer was XX/XX/XXXX. Shortly after this the Covid crisis began and NJ as a hard hit state and was closed down. We are self employed and run a small family business. the effects of the shut downs have been crippling. Rushmore XXXX seemed to be great with their forbearance program and was easy to work withIt was our belief that we were in the deferred payment option. And it is clear that a portion of our forbearance was in fact put on the end of our loan. However my complaint comes from the sale of my mortgage loan from Rushmore XXXX to XXXX XXXX. During the month of XX/XX/XXXX I was in touch with Rushmore XXXX that we continued to be in forbearance. Notifications came to say that Rushmore XXXX was selling the loan but would continue to service it. So in the sale of my loan somehow my deferred payment option was only for the first portion of forebeafance. So XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were put on the back end of my loan but XX/XX/XXXX forward are not. It is clear to me that there was an understanding with the Rushmore XXXX initially. However when XXXX XXXX took over the loan it started the following problems. I am now in receipt of an intent to foreclose for the months of XXXX XXXX XXXX. I dont understand why those payments are now trying to be collected as a full payment and not on the back end of the loan like the others and why we have an intent to foreclose for the forbearance amount in full with no other options.. I obviously stated to Rushmore in the beginning that we were expecting to have a deferred payment option which was done for a short portion of time. At the time of the transfer/sale of my loan it was still in forebeafance. So while my biggest problems arise with XXXX XXXX had my forebearance deferred payment option been properly handled by Rushmore Lending I would have started on the right track with the new company and not been automatically pushed into a foreclosure track with no other options presented to me. We are still not sure why we were not offered any options to avoid the intent foreclose with XXXX XXXX but that clearly is another complaint with their company. The sale of my loan from Rushmore to XXXX has been a horrible experience. I would have expected to start with a new company with the same understanding of what was previously understood with my account deferred payment option. Rushmore XXXX should have finalized these arrangements prior to sale. There is no explanation forthcoming from XXXX XXXX as to why these terms were not honored nor have they offered any other options.
Product: Credit card

I have been paying off promotional balances on my care credit card before the due dates for years, never had a problem. Back in XX/XX/XXXX, I paid off a promotional balance. Since I paid that off, I was working towards paying off the next one that was due in XX/XX/XXXX. I paid that off in time. Then working on a promotional balance that was due in XXXX XXXX XXXX XXXX, I noticed the payments that were made, were not going towards the correct balance. I called a handful of times to discuss this with someone, but couldn't get an answer. Once I finally did, the man was so rude, he told me the payments were going towards a promotional balance that wasn't paid off from XX/XX/XXXX. But he can't go back that far to see anything, that the accounting dept will have to look into it. He said he put a message in for this to be done. ( that was in XXXX and I still have not heard anything ). As the weeks went on, I made my {$80.00} payment every two weeks to pay off the next promotional balance due in XXXX. And every time I check my statements or call, I notice the money I am paying, is not going towards that balance. It actually doesn't show where it's going! And nobody that I speak to is able to figure it out. I have been paying interest on previous promotional balances that were paid off, but Care Credit is saying they were not. I have written over a handful of emails to Care Credit, and I get the same response, " Please call customer service for help ''. And every time I call, I get put on hold and sit for an hour on average just to get hung up on or spoken to rudely that I end up hanging up. I need someone to help me with my account and figure out why my payments are not being applied to my balances!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violated CFOA. Specially cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unproductive. Furthermore their dispute resolution process was unfair and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly entered all required/prudent information but have been denied by statement information not found when attempting to replace freeze on my account. 
This was attempted today XX/XX/2020. 
This freze was implemented on or about XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has posted several credit inquiries under my credit report that I do not recognize. 
- Comenity/XXXX -XXXX XXXX XXXX - XXXX - Comenity/XXXX - XXXX I am filing this complaint because all of these have negatively impacted my score.
Product: Mortgage

NationStar had completed all the refinancing paperwork, then abruptly cancelled my loan application because of a supposed tax lien that goes back to 2006. There is NO current tax liens. I told the NationStar representative, XXXX, to call the supposed beneficiary. 
NationStar refinanced my house in XX/XX/2011- well after these tax loans had been paid off. There were NO Title problems then and there are none now. 
I am contending that NationStar chose to cancel my loan because interest rates had risen. NationStar is just as greedy as every other company in your business.
Product: Credit reporting or other personal consumer reports

I requested an investigation into items that I believed to be inaccurate and falsely reporting in a letter to you dated XX/XX/2024. As of this moment, the sole correspondence I have obtained from you is a computer-generated letter informing me that the investigation into my credit reports has been terminated on the grounds that you suspect I have engaged the services of a third-party credit restoration agency . This is not only a delay tactic to obtain an extension of 30 days to comply with my initial request, but it is also a flagrant violation of the FCRA, in my opinion.
Product: Debt collection

Hello I am writing this complaint about a letter that was sent to me from a company called Credit Collection Services for a collection amount of XXXX. I reached out the company on XX/XX/21 and explained to the representative that this was not my account and they continue to proceed with collection. I did let them know that I do reside at this address but the insurance company is reporting the information incorrectly on my account. I already reached out to the former collection agency in which this account was first sold to and they removed all obligation to collect from my credit and personal record. This is reporting wrong on my credit on XXXX, XXXX and XXXX and I would like it to be removed..
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against XXXX XXXXXXXX XXXX for what I believe to be a violation of federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ), resulting in harm to my creditworthiness and financial stability. 

Summary of the Issue XXXX XXXXXXXX XXXX has inaccurately reported a late payment on my account to credit reporting agencies ( XXXX, XXXX, and XXXX ). The account details are : Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reported Late Payment : Prior to account closure This reporting is inaccurate and does not reflect my payment history. The negative mark has significantly impacted my credit score and financial reputation, leading to adverse conditions such as potential denial of credit or less favorable loan terms.

Applicable Law and Violations Under the FCRA ( 15 U.S.C. 1681s-2 ), XXXX XXXXXXXX XXXX , as a furnisher of credit information, is required to report accurate information to credit bureaus. Additionally : 15 U.S.C. 1681i ( a ) mandates that credit furnishers and credit reporting agencies conduct a reasonable investigation upon receiving a dispute regarding the accuracy of reported information. 
Case Precedents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Established that furnishers must conduct reasonable investigations into consumer disputes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirmed that furnishers are liable for failing to reasonably investigate disputes. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : Ruled that knowingly reporting incomplete or inaccurate information is a violation. 

By failing to verify or correct this inaccurate information, XXXX XXXXXXXX XXXX may have violated these provisions. 

Actions Taken by Me I have sent written disputes to XXXX XXXXXXXX XXXX and the credit bureaus, requesting documentation or correction of this late payment. Despite allowing the required 30-day window, the issue remains unresolved, and I have not received adequate responses from XXXX XXXXXXXX XXXX or the credit bureaus. 

Impact of the Issue This incorrect reporting has caused a measurable drop in my credit score and has made it difficult for me to access credit on reasonable terms. It has also caused undue stress and financial hardship.

Request for Investigation I am requesting your office to : 1. Investigate XXXX XXXXXXXX XXXX  practices regarding the reporting of this late payment. 
2. Determine whether XXXX XXXXXXXX XXXX violated FCRA provisions by failing to ensure accurate reporting or conduct a reasonable investigation into my dispute. 
3. Take appropriate enforcement actions if violations are found.

Attached Supporting Documentation 1. Copies of the dispute letters sent to XXXX XXXXXXXX XXXX  and the credit bureaus. 
2. Relevant sections of my credit reports highlighting the inaccurate entry.

3. Proof of my identity and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask XXXX, XXXX  and TransUnion 60 days ago on XX/XX/20 to remove inaccurate accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights .

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item or information, other than records of convictions 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax put a fraud alert on my credit report for no reason at all and it caused problems getting my electricity connected to an investment house. Tried their phone support but they don't answer their phone. Finally I decided to get a free credit report from them to see what was wrong. There was nothing wrong with my information except that they still showed an old address as the current address and a statement " file blocked for promotional purposes ''. The two other credit reporting agencies did not have any of those errors or fraud alerts. That gave me a chance to correct that so I sent them all the information to be corrected including a copy of their own credit report in XXXX that showed the correct address information. On XXXX XX/XX/XXXX they sent me an email that the dispute was completed. I must have tried about 20-30 times to access the information on line but every time they display " We are unable to process your request! contact us directly '' etc. I checked if other people had the same trouble and sure enough.. XXXX XXXX XXXX shows 1029 complaints about Equifax and how they try to make money rather than giving your dispute results. Why is Equifax getting away with being the most difficult credit reporting agency to work with. Why can't we have just one decent credit reporting company? Would it be possible to have a class action lawsuit by the citizens of this country?