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

XXXX XXXX ( XXXX XXXX XXXX ) Lost in court over a {$6400.00} Collection claim on XX/XX/XXXX I received a judgment in my favor. Since then it is still on my credit report negatively affecting my score. They have violated my rights and have slandered me to the point where I can not get a loan, due to the fact that this is still on my credit report for almost a year to the day. All three credit reporting agencys : Equifax, XXXX XXXX & XXXX are aware and are in possession of copies of my proof the judgment in my favor was mailed to all three of them XX/XX/XXXX. Since then I have received three months worth of updates XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX from all of them saying the investigation results are verified and updated the disputed item was verified as belonging to you and information was deemed accurate ... .... I would like you to please send complaints to all three of them they are all in violation of the fair debt credit act as well as the creditor. I have called them several times and they will not give me an answer they will not give me anything to go on. I also received a letter from XXXX XXXX saying that XXXX XXXX was deleted from my credit report on XX/XX/XXXX but all three credit reporting agencys are still showing on my credit report and it is over {$9000.00} that is still reflecting negatively on my score I would also like you to send a complaint to them regarding this as well.
Product: Debt collection

The CMI Group d.b.a Credit Management , LP is reporting incorrect and unvalidated information on my consumer report. This debt is not mine and Credit Management can not provide any proof that I entered any legal contract with them to even attempt to collect an alleged debt. I've sent letters letting Credit Management know under FDCPA 15 USC 1692g that I am requesting proper validation of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not protect my information, so I am at risk of having my identity stolen.
Product: Credit card or prepaid card

We had a balance of {$660.00}. We accidentally made two payments totaling {$1000.00}, which was over the balance owed. We noticed immediately and were unable to cancel the payment online. We called and they told us they would issue the overage ( {$330.00} ) back to our bank account in 7-14 days. They next day, they charged us {$160.00}, which was our previously scheduled monthly payment ( account was paid off, we shouldn't have been charged anything after that and they said that we would not, now that our account was paid in full. ) We contacted them again and were told that they were so sorry and now they owed us {$500.00} within the next 7-14 days. ) After that time frame passed and we did not receive the funds back, we contacted them again, they apologized and said it would actually be up to 45 days and the previous reps didn't know what they were talking about. They said we would receive the {$500.00} back by XX/XX/XXXX at the latest. We confirmed - AGAIN, that no more funds would be taken out and that we would receive the funds back by XX/XX/XXXX. They assured us 100 %. In the meantime, they took out another payment of {$160.00} on XX/XX/XXXX. This brought the total owed to us from Wells Fargo to $ XXXX.We contacted them immediately and they apologized profusely and said they would " rush '' the refund on the XX/XX/XXXX payment and we would receive it in a few days. We did not. This time we waited for XX/XX/XXXX to roll around. When we did not receive anything back from Wells Fargo, we contacted them on XX/XX/XXXX. They apologized again and said that everyone else we spoke with previously was wrong and it could actually be 60 days before we would receive anything back. They did not know or have the ability to answer why they were continuing to charge us even though we had satisfied the total account balance ( + {$660.00} ). They  continue to debit money while lying about when we will receive our refund. We are now 48 days out from the original complaint and have still haven't received any refunds of the money they have taken from us after our account was satisfied and without our consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, I was informed by your company ( XXXX XXXX that ( account # XXXX ) with ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) was deleted from my crdit report. 

I have now realized that this same item was REINSETED onto my credit report! 

In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( B ) Requirements RELATING To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer, If any information that has been deleted from a consumer`s file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertionin writing not later than 5 business days after the Reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency I have received no such Notification, this is a serious violation of the FCRAAND I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately DELETE this account from my credit report in order to avoid legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

This collection company is reporting this account that is not mine to the three credit companies XXXX, XXXX and XXXX. I call them and ask for documents and they don't send anything and they threaten to take me to court if I don't pay. 
That they take out that account of the three company of credit and if they want that they take me to the court.
Product: Money transfer, virtual currency, or money service

Dear Sirs : This is an addendum to CFPB complaint number XXXX. During a chat session with the cash.app team, i stated that I was filing a complaint with various Federal agencies to include the CFPB. Within the hour, my cash.app account, ending in XXXX was closed. In addition, I had been communicating with codashop.com, whose website had been used to perpetrate the majority of the fraudulent transactions against me on XX/XX/year>. XXXX was looking into the matter when they asked me at some point for the tranaction IDs associated with the fraudulent transactions. At that point, I initiated another chat with the cash.app team and asked them for the transaction IDs. This is where my communications with them gets a little strange. They asked why I needed to know the transaction iDs because this was proprietary information that was contained within the cash.app computers and that they, the employees, did not have access to that information. Well, this was not my first XXXX. I know that normally you can get transaction IDs, no problem. Banks are not supposed to have transparency issues. I told them that codashop needed the transaction IDs to identify the right transactions. In stating to codashop that I could not acquire the transaction IDs, they stated they could not be of any further assistance in getting my money back. In conclusion, If you look at the banking statement I provided with the original complaint, you will see the marginal information that cash.app provides its customers regarding their transactions for a given month.
Product: Credit card

PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Product: Credit reporting or other personal consumer reports

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 accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022
Product: Vehicle loan or lease

We purchased a XXXX XXXX XXXX from Carvana, LLC in XX/XX/XXXX for {$11000.00}. We have made every payment on time. XXXX separate times we have received notification that the license plate was not ready and they sent us a temporary plate. Eventually we were called about Carvana picking up our car. We explained that we were not trying to get rid of the car and the agent said she would figure out what was going on. about a week later we received a letter from the loan holder that we had not paid for our vehicle and the car was to be repossessed. when we called the loan company to figure out what had happened, they said that the fault was with Carvana and we needed to call them. We did and discovered that they had not filed their paperwork correctly and were now going to take the car back. The offered to pay back what we had already paid them plus {$1500.00}. The car is now worth substantially more than it was when we had bought it. the exact make model and year on Carvana is for sale for {$15000.00}. When I explained that we would need a similar vehicle for the same contract they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet Experian and XXXX refuses to update me from being listed as XX/XX/2018 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove this damaging negatives from my profile. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

Loan Start date was XXXX/XXXX/2017 for {$600.00} dollars.
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When I signed up I thought I would only have to pay back {$720.00} including a {$120.00} finance charge.
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I have tried to pay off the loan multiple times but they say oh its too close to your loans next due date and auto draft my account for for {$160.00}. Almost all of this goes towards interest so far I have payed Interest Paid To Date : {$980.00}. This is utter predatory and ridiculous. You can not see the % rate until after the terms are signed. They keep adding load extension fees. I do not want to extend it I have tried to pay it off but they refuse siting its too near the payment day and it has been processesd already.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified XXXX XXXX XXXX XXXX # XXXX remain on my credit report in violation of Federal Law. I have never sign any contract with XXXX XXXX XXXX XXXX and you have not provided a copy of the original creditors documentation on file to verify that this information is mine and is correct. This company is involved in predatory behavior and still you continue to report inaccurate information affecting my ability to secure a mortgage to buy a property due to a low score causing a lot of emotional stress to my family and I. 
I demand the above account be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC anXXXX 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 XXXXraud.
Product: Debt collection

This morning, beginning around XXXX XXXX I received a series of phone calls from this debt collector. They called and left approximately 12 voicemails in a half hour period.
Product: Consumer Loan

Wells Fargo has refused to remove the balance off the credit reporting system. We settled and they say that they will not remove at this time because I am represented.
Product: Credit reporting or other personal consumer reports

I am writing this letter to address the delinquent accounts listed on my credit report. 

For TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX For XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX For XXXX : XXXX XXXX
Product: Student loan

XXXX XXXX ( XXXX ) XXXX Higher Education Servicing Corporation I have student loans that I have never entered into a payment agreement. I have always deferred the payments. Early this year I missed some paperwork to continue my deferment but did what they asked me to do in order to bring my account " current ''. It took one form and they gave me a date to put on the form going back to when my account was due because my deferment had ended. I filled out the form and thought that was it. In XXXX my credit score dropped significantly causing credit card companies to close some of my accounts because my score was so low. I have worked hard to maintain good credit and I believe this is an unfair credit reporting by the company. They are reporting 21 late or missed payments causing my score to drop. I pay all my bills on time and ahead of time. I have also payed down my credit card debt but my score does not improve. According to the credit reporting agencies the number of late/missed payments showing on my report is the cause of my low score. I have reached out to the company and spoken with Mrs. XXXX around the first week in XXXX of this year. They are not providing me with any solutions and advised me to call my congressman for help. I have also spoken with XXXX ( XX/XX/XXXX ) about my account. According to XXXX I have one account with one account number. I have also disputed the information with the credit bureaus but my score continues to be low. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit card or prepaid card

I purchased three Google XXXX  gift cards totaling {$150.00} on XX/XX/2019 to provide to a friend. The first card was redeemed. The second card was determined to be damaged and was refunded to my Google account. The third card came up with an error message wanting more information. Believing this would be handled in timely manner, two more cards were purchased totaling {$100.00} to replace the other two unredeemed. These two were also refused redemption. The information requested by Google has been sent to them 5 times. They have been called dozens of times to resolve this. I have been lied to numerous times about the problem and I have not been given any explanation as to why they continue to refuse to allow redemption.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX of XXXX I signed a contract to have solar installed on my house. The name of the company to do the installation was XXXX XXXX XXXX, the name of the finance company is Goodleap. I was told by the salesman, his name was XXXX XXXX that when and if my power went out that I would have whole house power, that turned out to be not true. When the power went out, we only had a few outlets that worked, the refrigerator did not work, nothing in the kitchen worked except for a couple of outlets. 
The system has XXXX XXXX XXXX  on the roof, and XXXX XXXX XXXX  cabinet with { XXXX } XXXXXXXX XXXX modules in it, the cabinet can hold 6 batteries. For the amount of money that I was charged I should have whole house power when the power goes out. The amount financed was {$87000.00} for 24 years at 2.99 % interest, finance charges are {$37000.00}, total cost of the loan is {$120000.00}. I have since gotten estimates from several different companys for the same system that are half the cost of the system that I got. 
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX filed for XXXX XXXX XXXX  XXXX of the United States Bankruptcy Code . So I can not go back on them for any recourse. 
I have been dealing with Goodleap trying to get them to readjust the loan, with no luck. 
I am XXXX XXXX XXXX and my wife XXXX and we are on a fixed income, I feel like I was ripped off with this whole deal. My monthly payment on this loan is {$420.00}, if I had not gotten this my electric bill would only be {$150.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint Case # XXXX and the claim was closed before i received my credit report. XXXX is still reporting incorrectly to XXXX XXXX and possibly Equifax. 


At the end of XX/XX/XXXX I contacted XXXX XXXX via phone and in the process the customer service rep asked me to verify personal information. I was asked to verify my birthdate and when I replied XX/XX/XXXX the rep refused to continue the call because I did not answer correctly. I called back and spoke with a different rep and was informed that there were multiple ways to verify a customer account and the birthdate didnt need to be verified to continue discussing the account. At that point I was concerned I had this account since XXXX Shortly after XX/XX/XXXX I received a letter notifying me that the Mortgage Origination Date was corrected on XXXX for tax year XXXX and I would receive a copy via mail. I immediately called XXXX and spoke with XXXX XXXX and she informed me that my case XXXX was being handled by XXXX XXXX and gave me his direct contact number XXXX XXXX XXXX which did not work. While on the phone with XXXX I checked my credit report for all 3 credit bureaus and discovered that XXXX  did not have XXXX XXXX  reported at all only XXXX XXXX. I refinanced and had a first loan with XXXX XXXX and a second line of equity with XXXX XXXX  in XXXX. I refinanced the first loan with XXXX XXXX  in XXXX and the loan was paid off but I still had the second loan with XXXX XXXX. XXXX had no record of XXXX XXXX which explained why my credit score was 30 points lower than XXXX  and Equifax. I immediately initiated a dispute with XXXX and they responded swiftly XXXX XXXX XXXX stating there is nothing they could do because the account never appeared on the report. I then submitted another complaint disputing XXXX XXXX  instead of XXXX XXXX  after speaking with a manager at XXXX to get XXXX to respond so they could discover the error with my XXXX XXXX. XXXX  responded XXXX XXXX XXXX to the second dispute and I still had not heard from XXXX XXXX.
Product: Credit reporting

On Thursday XX/XX/2017 @ approximately XXXX I notice an Inquiry on my Equifax credit that I did n't authorized or recognize. I called Equifax and spoke to an agent and informed the agent I had an inquiry for credit on my credit file that I did n't authorized as I did n't apply for nor was denied for any create from XXXX with in the last 90 days. If I had of applied for credit that was denied XXXX with the FCRA I would have received a letter of denial and a chance to receive a free copy of my credit report. The agent informed me that according to Equifax the inquiries are true unless the creditor provides me with a letter that states otherwise. I called XXXX at XXXX and spoke to XXXX who informed me that XXXX does n't send out letter to the consumer to remove credit inquiries to dispute the Inquiry with the Equifax and they would send verification to XXXX. On Friday XX/XX/XXXX at XXXX I called Equifax to open the dispute the agent told me they could n't do a dispute on the phone for the inaccurate inquiry information I would have to open the dispute online. After I got off the phone with the agent I called back and spoke to an addition agent who told me to contact XXXX informed her that I already tried that route and per the FCRA I should be able to dispute inaccurate information on my file. She said that she was sorry the only way to dispute the information was to dispute it online. On Monday XX/XX/XXXX I opened a dispute with Equifax for the unauthorized inquiry on Tuesday the dispute was closed with the following information " '' We have reviewed the inquiry information. the results are : Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX, XXXX, XXXX VA XXXX phone : XXXX. On Tuesday XX/XX/2017 upon receipt of the dispute findings I called XXXX at the number listed above and spoke to XXXX. XXXX researched the XXXX system and informed me he had no recent request for credit on my behalf and that they could n't send me a letter. I asked for him to transfer me to the Fraud department he did and I was transferred to XXXX at XXXX who reviewed my account and informed me he had no new request for credit for XXXX. XXXX called XXXX with me on the phone and spoke to an Equifax Representative reference the inaccurate information. The Equifax agent told XXXX the information would be taken care of yet when XXXX hung up the phone the representative stated he could not resolve the issue and had to transfer me to an additional section. As a Consumer I know I did n't request any credit from XXXX and to be given the run around by Equifax is unacceptable. To be provided a system generated response to dispute versus the dispute being investigated is disheartening. Please look into this matter for me thank you. XXXX