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

This is my second time submitting a complaint. The first time was on XXXX/XXXX/2021 and no changes have been made and my information is still incorrect. The incorrect name, addresses, and telephone numbers are under my current report. I have contacted the respective companies through the number to which they provided during the first complaint attempt, but have only been met with poor telephone machine customer service and no option to speak to a human representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

Took out a car loan from XXXX XXXX XXXX. 
It was a XXXX  month loan. 
I paid it off in XXXX  months They reported a " late payment ''. 
I NEVER missed a monthly payment
Product: Credit reporting or other personal consumer reports

So I read that you're not allowed to report a non conviction coast XXXX  years, mind you XXXX, as well as the company I worked for for XXXX years never dug this up. XXXX has done multiple background checks on me and never ever dug this up. So now in guess they may have used a different company called hireright, and they did check and reported a non conviction from well over XXXX years ago. I don't understand what I did wrong? I'm a XXXX XXXX XXXX only XXXX bad comment EVER and over a XXXX XXXX I was a XXXX XXXX at a XXXX XXXX XXXX XXXX XXXX XXXX This has to be unlawful, they are now denying me employment even tho I've XXXX  for them for several years and had several background checks done and passed.
Product: Credit card or prepaid card

Chase is helping its clients with COVID 9 impacts, by providing an electronic method of deferring payments due to COVID-19. 

My account is closed, closed by Chase, even though no payments were missed. 

My wife lost her income due to the Pandemic. Chase is stalling assisting me, telling me to click the online link, they did this two times. 

When I told them they closed my account, and the system is not setup to handle this scenario, they then finally told me to call. I tried on four ( 4 ) separate times to contact them, but unable to get through. 

I requested to be escalated to Office of the President, and they refuse to contact me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard inquiries on my credit report that I do not recognize and are unauthorized. I have called TransUnion as well as sent a fax. Their response has been to get in touch with the company that originated the inquiry. When I have reached out to the company who has originated the inquiry the tell me to talk to the credit bureau. 
As you can imagine this is very frustrating. As you know hard inquiries are looked as a negative on a credit report and can cause me to get turned down for potential loans, credit, and mortgages. 
The following inquiries were not authorized by me : XXXX XXXX 12XX/XX/XXXX XXXX- XX/XX/ XXXX- XX/XX/ XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/
Product: Payday loan, title loan, or personal loan

I talked with personal loan rep at Frost Bank and completed application by phone. I have excellent credit and they called back claiming they were unable to open my XXXX XXXX file. I contacted XXXX XXXX and they claimed there was nothing wrong with my account and no freeze was placed on. I called Frost Bank back and they have not provide reason for denying my loan request. I requested to speak manger but have not heard back from them and they have not given a reason for denial other then claiming they was unable to open XXXX XXXX.
Product: Debt collection

Covington Credit in XXXX, Tx. has called me on a constant basis everyday to collect on a loan payment. Given my struggle to repay this debt, the manager told me that she can not take " partial payments '' because she has to report this to her corporate office. This company has even made personal visits to my house attempting to collect and leaving letters with my children to give to me.
Product: Debt collection

My previous apartment complex used falsed dates in an attempt to collect money that i did not owe. The complex filled out a statement with the managers signature and date saying i did not owe them anything and then filed for collection 7 months later. I knew nothing about a debt until i received a letter in the mail in XXXX of this year. I was told by the collection agency that if i faxed over the paper from the apartment manger saying that i did not owe when we moved out then they would use that to dispute the said debt. After doing what was asked, they repeatedly said they didnt recieve it and were very rude and said that if i did not pay they would mark it as refusal to pay. When i went to talk to the apartment manager at the complex that says we owe for weeks she gave me different responses and even told me to come back for pictures of proof which needless to she eventually could not find. I still have the move out statement that was submitted to the agency with dates like XXXX XXXX which doesnt even exist. And i also have the letter saying i did not owe. This debt is false.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/XXXX XXXX XXXX
Product: Debt collection

I moved into XXXX XXXX XXXX  in XX/XX/XXXX, or towards the end in XX/XX/XXXX. When moved in they seem to be nice, but the apartment was not completely clean. I have a witness that can state it still smelled like animals when I moved in the kitchen draws we're not fixed, stove and fridge was not clean. They did take care of it eventually. They made us get renters insurance for XXXX dollars a month which I was glad of because it was a malfunction on the stove and it caught a fire I made the claim and told insurance company my personal belongings were ok, and that they could fix their equipment if they filed a claim because there is a XXXX  deductible. I then told XXXX XXXX and their response was Did we charge for anything? And dismiss it, but I did not because I felt that was strange. I told the insurance person that they would be in touch. When it got close to the end of my lease they started to pressure me to sign a new lease, when I did not I was late on my last month which was XX/XX/XXXX and they kicked me out immediately and would not work me. As a matter of fact we had to pay utilities through them and they let my toilet run water for two weeks without fixing it, another reason why I was not reluctant to pay my full rent. They kicked me out and told me I had to leave to save them costs on an eviction process which I did not understand how that worked. The day they told me that I moved out. They are trying to get 2-3 thousand dollars out of me which they know I do not have, I do not owe, and out of spite. What makes matters worst they were so underhanded when I asked what it was for they asked was they v being recorded and come in and talk about it. This matter is not on my credit report, but they have it posted on my rental history to keep me from getting a new place. They reported to a lawyer for collection, but yet in still it was not posted on my credit report to dispute. XXXX XXXX is not a good place to live because it is some underhanded activities going on. When you do not sign a new lease it is a problem and they definitely will try and over charge you. I feel like there is some defamation of character going on because I stayed there a year and now in the end it was a problem. It is also conflict of interest because it should have been on my credit to dispute it has been over a year and they would not mind talking on the phone about the dilemma even if I was on a recorded line and they have nothing to hide. I am currently pregnant and this situation has put unnecessary stress on me, and caused undue hardship because instead of working with me on the rest of the last month rent, I had to move my stuff, find another place, and making it difficult for me to find somewhere decent and affordable to stay. I would not give them a recommendation for future tenants.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. 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
Product: Credit card

On XXXX XXXX. My card was used in the amount of XXXX and it wasn't me
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Debt collection

CBE Group XXXX - Is reporting on my credit for a debt we do not owe. We are on a hardship/financial assistance program with the hospital and ALL my medical debts are included in that. This one is like 7 years old! You guys keep putting new collections on my credit report and the hospital has already told me they pulled them back. 
So I don't know why they keep doing this but I am tired of continuously fighting this with them. You are in clear violation, especially because we contact you every single time you post it on credit .... because, mind you, you never send a notice for me to dispute it, which is also a violation. 
But I contact them and fight with them every time and the hospital retracts the bills. I have this all worked out with the hospital and this needs to be deleted and they need to stop putting these on my credit! 
I am contacting my friend XXXX who is the Assistant Attorney General and I am filing complaints with them also.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2019 I ASKED THE CREDIT REPORTING AGENCIES TO UPDATE MY PERSONAL INFORMATION USING MY CURRENT MAILING ADDRESS AND DELETE ALL OTHERS THAT COULD BE USED FOR FRAUDULENT ACTIVITIES, I SENT SEVERAL MORE LETTERS REQUESTING THE ADDRESS UPDATE AND VERIFY THE ACCOUNTS ON THE REPORTS FOR INACCURICIES. ALL MY REQUEST HAVE NOT RECEIVED A RESPONCE OR CHANGE OR DELETION OF INACCURATE ACCOUNTS. DUE TO THEIR NEGLIGENCE MY CREDIT RATING HAS BEEN DAMAGED, IT'S BECOME MORE DIFFICULT TO SECURE HOUSING AND EMPLOYMENT BECAUSE OF THE INACCURATE REPORTING OF THE CREDIT REPORT AGENCIES. THEY CONTINUE TO FAIL VERIFIYING ACCOUNTS FOR INACCURUCUES AND THEY HAVE YET TO SEND PHYSICAL PROOF OF THEIR VERIFICATION FOR MY RECORDS. IT'S NOW BEEN 2 MONTHS SINCE MY LAST CORRESPONDENCE AND STILL NO RESPONCE FROM THE CREDIT REPORTING AGENCIES.
Product: Debt collection

I am not sure exactly who this company is or why they were trying to contact me, however, I found their site by Googling the number that called my home yesterday. Whoever the representative was from their office harassed my babysitter & got very rude & hateful with her & kept demanding mine or my husband 's work hours. She informed him I was not married & then he started hounding her about when I would be home. When she told him I had work hours that varied he informed her she must live here so she should know. 1. She does not live here. 2. Hours can vary from day to day. 3. Now I will not be working for a while because my health condition has flared up but I will have various appointments & various times. 4. I assume from their site that the call was an attempt to collect some sort of debt so their representative violated several regulations & I will be filing reports & complaints with all appropriate agencies. For one, aggressive & threatening behavior, language, & tone are strictly forbidden. For another, if it is an attempt to collect a debt collectors are forbidden by laws & regulations from speaking to anyone else about the debt but their representative was perfectly willing to speak to my so-called husband about it!! All of my debts & accounts are in my name alone so if they are trying to collect on something why would they even want to speak to someone else?! 
I filed a complaint with their Chief Compliance Officer today & told them I did not want anymore phone calls.
Product: Debt collection

On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from all of my credit reports.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. I noticed a charge-off on my credit report for a debt of {$5500.00} from XXXX XXXX XXXX XXXX that I do not recognize. The account in question was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. After contacting XXXX XXXX, I was informed that this debt is related to a co-signed account. However, I have never co-signed for anyone, and I believe this is a case of fraud. I am requesting that this charge be removed from my credit report under the Fair Credit Reporting Act ( FCRA ). Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see incorrect accounts listed on my credit report and I can't understand how they appeared. I check my report regularly, but today there were errors that I didnt expect. I thought refreshing the page might help, but it didnt ; the inaccuracies remained. Because of this, Im asking for a careful review of the documents I provided so I wont have to worry about this ever happening again.
Product: Debt collection

I received what I believe was a scam call from XXXX at XXXX XXXX   on Wednesday, XX/XX/2019. I did not recognize the number. So, I did not take the call. The caller ID on my telephone identified the caller as " American Coradi ''. Later, I realized that there was a voicemail message from the caller on my phone. When I played the message back, I heard a woman 's voice asking me to call a certain phone number in regard to collecting a debt. She also gave a reference number to use when I called back. I have no intention of calling back because I have no debt to be collected. I deleted the message.These are obviously criminals who prey on people, and they should be prosecuted to the fullest extent of the law. Please do that! Thank you!
Product: Money transfer, virtual currency, or money service

Transferref XXXX via SEPA to my wallet on XX/XX/XXXX. Opened a ticket for their support which they told me that they transferred it to a specialist but no action since then. 

Case id # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves completely new information about a complaint. XX/XX/2109 I opened an XXXX account and went through the steps on the XXXX website to set up autopay. I have documented that autopay information was entered ( bank, routing and account # ). Apparently, autopay never got established. In XX/XX/XXXX XXXX notified Experian that my account was in arrears and my credit rating was reduced. XXXX claims they sent me emails notifying me of amounts due. I have no record of receiving such emails. I have repeatedly asked XXXX to produce copies of the emails. Please see the attached PDF file which I just received. They now state they can not produce copies of the emails, but claim that they were indeed sent to me. In addition they claim they know I opened the emails. They can not produce copies of the emails, but know that they were sent - I must be missing the logic here. Their report to Experian significantly affected my credit rating. Should a reduction in my credit rating be based on a report that the company can not substantiate with records?
Product: Money transfer, virtual currency, or money service

I'm filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

In XX/XX/2020 I went into Bank Of America on XXXX XXXX XXXX Ct to make my mortgage payment. I handed my check with the statement to the teller she put the payment to my home equity credit line. I noticed the mistake the next morning and went to the bank manager the very next day. He said he couldnt fix it and I had to come back on Monday. So after going back and forth with the bank that account was fixed but the mortgage never was. After this I decided to make all my payments online which I have made my mortgage payment on the XX/XX/XXXX of evert month for the past 10 years I have all the proof. Well the bank took out two payments and I only wanted one out. I called the bank they told me to stop payment and reissue the payment on the phone the next day when the money went back which I did. Now they have taken all the payments out and say I am two months behind I have all the payments and the proof to back them up they say my principal balance is XXXX but that was the same principal balance I had in XXXX and by my calculations and payments my bale should be XXXX my balance was XXXX. And now in XXXX its XXXX and I have made monthly payments of XXXX. A month and the principal is to be deducted each month of XXXX which means that my principal should be XXXX Bank of America calls me at least 4 times a day now they have screwed up my tax escrow account as well. I have emailed the CEO of Bank of America and never got a response this is so stressful I cant sleep I am making my mortgage payments on time every month and I want this bank to fix it. Every time I talk to the bank they are oh I am so sorry Mrs XXXX yes we made the mistake but no one fixes it I want to refinance this home and if they XXXX up my credit I wont be able to do it
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$5100.00} Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1200.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$6800.00} Account Name : XXXX XXXX LL Account Number : XXXX Balance : {$820.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} XXXX INQUIRY : XXXXXXXX XXXX on XX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting or other personal consumer reports

According to FCRA section 605b It is illegally to report any information on my credit report without my permission please remove this item from my credit report. Thank you
Product: Debt collection

I notice some accounts and inquiries on my credit report that I did not open on my credit report CREDENCE RESOURCE MANA Original creditor : XXXX XXXX {$2300.00} Collection opened XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

We are applying for a mortgage and need to temporarily lift a credit freeze with Transunion. We tried for 2 days but every avenue was broken. The website did not recognize our information and our account suspended. The recommended email form to fix the suspended account did not work and kept circling back to the beginning - we tried 3 times. The phone robot did not work and there was no option to speak to a human being. This is a company whose processes are completely broken if you need any help at all.
Product: Debt collection

A collection amount of {$3800.00} has shown in my credit report when I reviewed my annual credit report with XXXX. The collection was from Diversified Consultant ( XXXX ) with the original creditor is XXXX. I'm confident that I've had an account with XXXX. I contacted both Diversified Consultant and XXXX but the issue was not resolve. I would like to ask for the support from Consumer Financial Protection Bureau as this issue will negatively affect my financial credit. 

Also, additional information, this is a repeat issue. It happened to me in XX/XX/2016. I called XXXX to report the issue and I never heard back from them. At that time, i thought it was resolve because it hasn't shown up in my account or I've never back from them.