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

On XX/XX/XXXX, I discovered some accounts on my credit report that did not be long to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and found out that the disputed accounts were still there, These accounts are as follow XXXX XXXX XXXX XXXX ), XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) these accounts are not mine and they are reporting on my XXXX and TransUnion credit report, I am now reaching out the CFPB, because I am just tired of this Bureau, I need these accounts off of my credit report
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Checking or savings account

On XX/XX/23 I received an email from Credit Karma advising me that my savings and checking account has been locked and this may have come from suspicious activity. I tried calling and the customer reps are advising that they have no info for me. No one is responding to my emails or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXXXXXX Balance : {$9700.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

XXXX with National Principal Group keeps leaving threatening voice mail messages, and harassing phone calls to my job about an alleged payday loan I supposedly took out in 2004. I have NEVER EVER took out a payday loan. They are threatening me with arrest if I do n't pay. These tactics are illegal under the Fair Debt Reporting & Collections Act. 

Phone numbers XXXX & XXXX are the ones I am receiving the harassing calls from. I told them I was recording the conversation, and she became belligerent with me when I told her the calls are to STOP. She said she will call all she wants.
Product: Mortgage

After a mortgage loan transfer to Mr. Cooper, Mr. Cooper withdrew multiple mortgage payments for the month of XXXX. 

On XX/XX/2021 at XXXX XXXX PST - A one time payment was made. This was set up to be taken out on XX/XX/2021. Documentation includes the original PDF with time stamp of the one-time payment and email confirmation for the payment. Documentation includes a confirmation number. 

On XX/XX/2021 at XXXX XXXX PST - Autopay was set up on XX/XX/2021 at XXXX XXXX  PST to start the auto-payment process on XX/XX/2021. On XX/XX/XXXX, an email was sent from Mr. Cooper saying they will be withdrawing funds on XX/XX/XXXX. This was NOT authorized. No confirmation number for the funds withdrawn on XX/XX/XXXX. Documentation includes the original PDF with the time stamp of the autopayment setup, including email documentation. 

I contacted my bank to ask for an investigation on the funds. My bank concluded the funds had been withdrawn without authorization. I have a letter from my bank that states this. 

The funds have been reverse. However, Mr. Cooper is charging a {$15.00} fee for the reversal based on their error. In addition, the XX/XX/2021 payment has not posted yet ( today is XX/XX/2021 ). No payment email was sent to the email indicated during the auotpayment setup for the XX/XX/2021 payment - rather an email was sent to my wife 's email. Which was not included during the time of autopayment setup. 

I have called Mr. Cooper multiple times, each day. I have tried to message them via the online message system - no response. I have tried to email them. I have sent them online messages of the persons I speak to on the phone with the information they tell me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I processed a purchase with a seller through Paypal, 2 hours later, the seller refunded the purchase because the order form has not been filled out correctly. The seller has issued refunds numerous times with other clients and paypal has always processed the refund the way it was received. However, paypal changed their default refund method to echeck which apparently takes 7-10 business days to clear the sellers bank and up to 30 days to be refunded to my account. I contacted paypal immediately when I noticed the refund was not processed right away. I have messaged them every day since XX/XX/XXXX and the seller has messaged them as well. They refuse to issue the refund immediately and hide behind this excuse. They get to hold on to my money for possibly a month a mower and make money off of me. Their representatives have lied about when the funds would be issued back to my account. I was told it would be on the XXXX and they told the seller that as well. The funds are still not in my account and they are back to saying it could take up to 30 days. Because of their size, they think that no one can fight them or do anything to hold them accountable for their deceiving business practices.
Product: Credit card or prepaid card

The problem is- Barclays cashed a payment check in amount of {$170.00} and did not credit the account. They have also ignored communication asking them to apply the credit. Essentially, they cashed the check and kept the money. 

In case Barclays responds with we credited the account for {$170.00} I want to clarify something please. XXXX payments of {$170.00} were made. XXXX were electronic via the Barclays website. The third was a check. The XXXX electronic transactions went through as expected, on XX/XX/XXXX and XXXXXXXX XXXX. The third ( the check ) was cashed by Barclays on XX/XX/XXXX but not applied to the account. 

If that is all the information you need you may stop reading. : - ) However, here is further background in case it is relevant This is the third time something like this has happened with Barclays! It can no longer be called a coincidence. I am concerned that this could be happening to other customers too, who might end up paying Barclays twice. I know thats what would have happened with my elderly mother. ( She is the primary on the account and I am an authorized user. ) She would have sent a second check for {$170.00}. However I am assisting her affairs now so I was able to catch it. 

Similarly to the recent missing {$170.00}, the other XXXX times this happened a check was cashed but then the money seemed to disappear. Both times it was difficult and stressful getting Barclays to finally acknowledge the checks and credit the account. Were talking persistence being required. Phone calls and letters and waiting more phone calls and letters ( that they would say they never received ) and more waiting. My XXXX XXXX XXXX mother had to be involved in making some of these phone calls before it could finally be resolved. 

( I should add that the phone number, address of where to send correspondence regarding errors as well as the fax number were accurately obtained from the bill itself. ) Alas, after the first XXXX problems with Barclays, my mom insisted on sticking with them so she could keep on earn points. Which brings us to the recent missing {$170.00} Over the past XXXX month I have sent XXXX faxes, each with images of the cashed check and a request to please credit the account. Barclays has not responded. This time around I wanted to avoid the phone calls and letters because previously those methods sent me in time consuming frustrating circles. 

An additional aspect of this problem is that I think it is unfair to put an elderly woman in a situation where she is expected to navigate complexities in order to get her payment credited. I see this as perpetrating financial fraud against an elderly person, or anyone for that matter. 

Thank you.
Product: Debt collection

I am in the process of fixing my credit and this debt old debt comes from out of no where have never seen it before. The company tells me the date only and nothing else. At that time I had a XXXX XXXX for 12 years and paid it off with XXXX XXXX. This is not my debt. I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015, I totalled a XXXX XXXX XXXX VIN # : XXXX which was registered and insured in my wife 's name. It was my fault. I was charged with XXXX as a result of the accident. No one was hurt. 
XXXX XXXX XXXX XXXX XXXX which provided coverage for the XXXX and continues to provide our coverage to this day has me listed for two ( 2 ) are fault total loss accidents one day apart from the other. They have me as being at fault on XX/XX/2015 and XX/XX/2015. The XXXX was the only vehicle we owned at the time. What's more, in XXXX 's own details it states that I was at fault for two total losses of the same XXXX XXXX XXXX. The vehicle was a complete loss and was towed away to XXXX 's analysis center on the XX/XX/XXXX, giving me no access to it. This dual at fault total loss combined with the XXXX has kept our insurance rates over the moon. I spoke with XXXX about a year and a half ago and they told me that there was nothing that they could do. It had been entered into the system, so that's how it was. Now, help me out here but that sounds like a load of bologna to me. They gave me the number to Lexis-Nexis but they also gave me the run around. I was wrong. I admit and since XX/XX/2015 I got XXXX and strive to maintain a higher quality of life for my family. I don't know what else to do about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account appearing on my credit report as a Charge Off with a balance of {$800.00} is inaccurate and incorrect. The XXXX XXXX account wassettled withXXXX XXXX XXXX The account balance is reported inaccuratelyand isincorrect. The balance should be XXXX  Only the settlement payment was updated and not the entire balance updated. These are direct violations pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY.
Product: Credit reporting or other personal consumer reports

I tried to put a credit freeze on my account due to a hospital 's remote server being breached. XXXX and XXXX are insisting that I set up an accout with them for all these other services. I do not want the other services and assume that the more my credit information is online, the greater risk of data breach. I feel I should have the OPTION of whether or not I sign up for these services I do not want.
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681i, you must verify data accuracy. If not licensed in Louisiana and without my written consent, you may not collect or access my info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX credit Bureaus after I purchased a credit report in XXXX After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$35.00} ; Medical XXXX Balance : {$33.00} ; XXXX XXXX Balance : {$35.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXCases Payment Amounts do not match what has been paid. Even with two amounts of {$65.00} there shouldn't be a difference so low. Today XX/XX/2023 at XXXX it shows an amount of {$1400.00} Current Account Balance. I just received from XXXX  on XX/XX/2023 that the amount that is owed since the Transfer from XXXX XXXX XXXX XXXX ( Case Number ( XXXX ) on XX/XX/2023 ). This amount would be {$1500.00}. My Father also sent me an email with an amount I sent him previously from XX/XX/2023 says an amount of {$1500.00}. All of my payments have been in the amount of {$65.00} and there have been at least 4 of them of which are contained within the account information. Which I have as well. If you subtract any of these amounts they just do not add up to {$65.00} paid on my card from the account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the company and credit bureaus and still no response. I am a victim identify theft and requesting to be resolved ASAP
Product: Debt collection

Discover Card calls me up to 6 - 8 times a day. I always return the call when they leave a voice mail. I advised them I had an arrangement that I could afford and they told me I had to pay more. My other credit card companies accepted this arrangement but Discover keeps harassing me. I had to have my phone # changed already and I 'm thinking about changing it again. They found me this time but I will be more careful if I have to do it again. I almost claimed bankruptcy but would rather try on my own. However, I got ta do what I got ta do! Please advise.
Product: Credit reporting or other personal consumer reports

This is a follow up to my previous complaints that I have repeatedly requested that EQUIFAX provide me my personal credit report. They have refused to provide this or release my credit information to me. I have included a copy of the letter that I sent to the credit bureau requesting my credit report as supporting documentation along with my copies of my personal identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings in reviewing my credit file I noticed three auto financing companies that I did not give permission to pull my credit. ( see below companies ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX credit bureau on XX/XX/2022 ( fraud dept ) was informed to contact the finance company directly. Upon contacting XXXX XXXX XXXX, I was informed they are unable to help me with the dispute since I am not their customer. In addition, I was told dealerships will sometimes fish the application for financing to multiple companies. I do not see this as fair, if I did not give each of the above companies direct authorization for a hard inquirer. 

To make things equitable in these scenarios with car dealerships, can the CFPB require an additional form to be signed by consumer giving authorization to conduct this practice. 

Can the above inquirers be deleted from my credit file it is extremely affecting my credit score? 

I greatly appreciate your assistance with this matter. 

XXXX XXXX XXXX-
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday, XX/XX/23 I checked my credit scoring and saw a new inquiry with XXXX, this caused my credit score to drop XXXX points. Most important I did not apply for this, nor did I apply for anything in the last 6 months at least. I contacted Comenity Capital/XXXX about this credit card application on XX/XX/23 and was notified they had nothing connected to my SSN or name. I then filed an online dispute with XXXX which they responded was legitimate on XX/XX/23. I then called Comenity Capital/XXXX back on XX/XX/23. They notified me I had nothing with them, and they could not give me any documentation since I had no account with them. I then contacted XXXX and spoke with them via phone on XX/XX/23 who stated they could not remove without documentation from Comenity. Now I'm in a situation where an inquiry is on my report which I didn't do and have no way to clear it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a jc penny credit card hoping to improve my credit score now due to reporting issues about my payments being timely its bad ... I have proof of my last payment to them via a letter and there automated system rejected my information I called them and verified my routing # and it was correct my bank also had the funds for this XXXX $ $ Payment!!!! I did not expect this at all. 
I am trying to improve not make it bad Please help!!! 

Thank you XXXX XXXX ...
Product: Credit reporting or other personal consumer reports

My information was exposed in 5 data breaches, with information being leaked on the darkweb. According to 605B, I have a right to have this infomtion removed. I've had scam calls, emails, 3 bank accounts that had to be shut down due to someone stealing my belongings, and identity. I have provided several documents to experian, with valid information. They continuously violate my rights by allowing fraudulent information to be attached to my name, and shared with third parties, that is in violation of USC 1681b. I pulled my credit report from XXXX, which doesn't show student loans or a bankruptcy. I have attached that for your review.
Product: Debt collection

My busniess was broken in and bank accounts/ credit cards personal property client information was all taken and not recovered. My loss has now left me as identity theft victim that is still occurring through debtors and my personal cellphone and computer are being used to collect my personal information. XXXX XXXX XXXX  hacked into and demanded money. XXXX support scam person pretending to be with apple support got into my bank account screen sharing was the way to go and get the access needed to my bank, I received a letter from a unknown person in my email demanding I have to pay XXXX $ in XXXX cash to them or my place of residence they have my address would be visited and I would be in harm and falsely Claiming to spread info about me to all my contacts if I did not follow the instructions to deposit money into their accounts. Ive lost cell phones/computers/ business disruption now loss and financial crisis since the beginning of theft arrised in XXXX  XXXX law has been named as a theft victim and I was notified. The loan company sent me a letter saying they had been hacked and my information was compromised. Unknown debt and charges are still on my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchase a XXXX XXXX XXXX Contract Number XXXX in the amount of {$470.00} in 3 equal payments to cover my Dishwasher and Electric Dryer. Payment # 1 was received by Sears on XX/XX/XXXX, Payment # 2 was received by Sears on XX/XX/XXXX and Payment # 3 was received by Sears on XX/XX/XXXX each from the account ending in XXXX. 

This agreement was to cover my appliances until XX/XX/XXXX. 

On Tuesday XX/XX/XXXX, I called Sears Home Services at XXXX to get service on my Non-Working Dishwasher. 
I was told at the time that I cancelled the XXXX XXXX XXXX on XX/XX/XXXX and money in the amount of {$470.00} was refunded to my account ending in XXXX. 

I told them that I never cancelled this and then I was transferred to another department who also stated that I cancelled and the money in the amount of {$470.00} was refunded to my account ending in XXXX. 

I then called Ms. XXXX XXXX a member of the Executive Member Support at XXXX to ask for her help. 
On Tuesday XX/XX/XXXX I received a non-statement form from Ms. XXXX showing payment was refunded with no other proof. 

I then requested statements covering the period from XX/XX/XXXX until XX/XX/XXXX for the account ending in XXXX. 

It took 3 weeks for those statements to arrive and they showed the refund was never made.

After many hours on hold with Sears trying to get answers,  sending letters to Mr. XXXX XXXX XXXX and Mr. XXXX XXXX, plus leaving many messages for Ms. XXXX, no one ever call or responded. 

It has been 8 weeks now and my Dishwasher still does not work and at this point all I want is the {$470.00} Sears claimed they refunded which I never received. All I want my money back for service that I paid for and never got.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I noticed a lot of inaccuracies on my report. I reached out sent letters and proof and still no response in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.