23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There are hard inquiries and new accounts in my credit report that I do not recognize. I tried reaching out to the companies involved but have not been able to connect with them. Kindly find details in the attached file. The names of the companies involved are : XXXX XXXX XXXX XXXX. Ally Financial XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally established an account with Home Depot for the amount of XXXX dollars. I reported that my card was stolen and I would pay the interest or whatever fees are needed until the matter is settled. My card was taken XX/XX/30 2019. 

The problem I have is I have not been able to receive an honest response when I speak with Home Depot and Citi Bank I guess holds the account. The both of them seem to have a different understanding and give me the run around as I'm paying on this account. 

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

" " '' I have disputed this collection XXXX XXXX XXXX XXXX  for months.XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$520.00} INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Everyday for almost 2 weeks I have called TransUnion to request that all non medical collections accounts in dispute status by myself, to have my dispute removed. Everyday they say it is done. The next day I call to confirm just before the lender pulls my credit and low and behold the disputes are still there. New inquiry old dispute. I call again. Repeat this cycle for 2 weeks. My score has dropped double digits during this time only with Transunion. I am begging for help. Im so unsure as to what I need to do to be successful with TransUnion.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX Account # XXXX This account was charged off on the following date XXXX, 2022 Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this following account Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS ALLOWING AN INACCURATE ACCOUNT TO REPORT ON MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave back a XXXX to XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX. XXXX closed the account formally in XX/XX/XXXX and told me they were writing the car off, and said I didn't owe them anything. They said the debt that was written off may be sold to a third party but I had no obligation to them. No one ever contacted me regarding this. 

In XX/XX/XXXX, I was buying a home and disputed the presence of this closed debt with XXXX XXXX XXXX with approx. $ XXXX balance. XXXX apparently REOPENED the account at that time and turned it active! Transunion dropped my credit score 123 points and started reporting late payments for an account that had been closed almost 6 years. 

I called XXXX, and they apologized for their mistake and immediately closed the account. XXXX and XXXX immediately restored my credit score. However, Transunion continues to this day to report missed payments on this CLOSED account. I never once missed a payment on this vehicle. I negotiated with XXXX to give the car back for sale in XXXX. 

I need XXXX to restore the original official account closing date ( XX/XX/XXXX ) and remove any reports of missed payments on this account. Also, I need Transunion to restore my credit score of XXXX.
Product: Student loan

I have been lied to, misguided, and misled since Navient became my loan provider. First of all I was told my loans were direct loans and would qualify for Public Loan forgiveness which they are not. I was told that I was close to making 120 on-time payments. Then I was told I make to much money and that I would satisfy the balance before the 10 years.

Then when I was told they were wrong about that and they consolidated my loans in to what was then supposed to a direct loan and my payment were raised and supposedly based on my income. ALL which are lies. All which will cost me 1000 's of dollars. I have been paying these school loans for over 10 years. I could not be  more upset at a company for XXXX with my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days and the creditor XXXX XXXX  XXXX XXXX ) has not updated the information NOR has provided proof or documentations regards to improper use of my credit. They have not supply this information and they must delete the alleged verified hard inquiry on my credit report. Under federal law they had 30 days to complete the investigation and provide written evidence and by failing to do so the negative item must be deleted from the report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is are four ( 4 ) credit card entries on my credit report, dating from XXXX 2015 in the amounts of : {XXXX}, {XXXX}, $ {XXXX} & {XXXX} from Capital One for credit cards that I NEVER authorized!! I have reached out to the organization and made several attempts to have this error removed from my credit bureau report to no avail. In addition, I have opened multiple disputes with each of the credit bureau XXXX, XXXX, and XXXX to remedy this error. The results from each investigation came back the same : Account previously in dispute - Verified/reported by subscriber as correct/accurate. 

I am at my wits end!! I feel as if I am being held hostage by someone else 's fraud and no one seems to care that my life endeavors are literally on hold indefinitely!!! Can some PLEASE help me!!!!
Product: Debt collection

I was seen at the XXXX for a injury ( XX/XX/year> ) I received on the job with the XXXX. XXXX and XXXX paid in full for the bill. I verified this with the hospital and they said I owed no debt, and they never sold any debt of mine. I called UCB asking why I owed XXXX dollars which is now XXXX dollars and all they told me it was from a physician group from XXXX and so I traced back the day the debt was made and found out it was the exact visit to the ER I had that had been paid. I sent them all the documents and asked for them to provide any evidence I owed it and all they provided was their statement of charges.
Product: Debt collection

When I changed my XXXX XXXX XXXX XXXX satellite service to streaming ( XXXX now ), I was told I had a XXXX balance because Id stayed with the company. 

I started to receive bills for {$110.00}, and I called customer service each time ( about 4 altogether ). I was told each time that there was no balance on either my past or current accounts. 

Today I received a bill from Credence, a debt collector for {$110.00}. 

Ive spoken to many XXXX XXXX XXXX, XXXX reps who ALL told me that I did not have a balance.
Product: Debt collection

On XX/XX/year>XXXX  around XXXXXXXX  EST, I received a text from " XXXX ''. Text said " This is Glass Mountain Capital LLC. We are trying to reach you. We can be reached at XXXX. This is an attempt to collect a debt any information obtained will be used for that purpose. '' and provided a link : https : //www.glassmountaincapital.comXXXX  My credit report reflects that as of today, as well as any time in the past, I have never missed a payment, defaulted on, or had any other negative remark on any of my accounts/debts. 

Furthermore, Glass Mountain Capital LLC has not provided a mailed letter providing proof of a debt and may be in violation of the Fair Debt Collection Practices Act.
Product: Debt collection

XX/XX/2018 {$720.00} This is the first action Ive taken. The company has sent this balance to a debt collection agency without my knowledge of knowing about the debt
Product: Credit reporting or other personal consumer reports

I ran my credit report and noticed the reporting from TransUnion without my knowledged nor consent, from the following companies below. 
TransUnion is reporting duplicate hard inquiries on my credit report, by XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX and XXXX XXXX XXXX without my approval!

XXXX XXXXXXXX XXXX XXXX twice in the same year. XXXX XXXX XXXX and on XXXX XXXX XXXX.

XXXX  XXXX XXXX XXXX XXXX and 2 months after that on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violatated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

XXXX  - Account Number-XXXX XXXX XXXX= Account Number XXXX XXXX XXXX= Account Number= XXXX XXXXL= Account Number XXXX XXXX XXXX XXXX XXXX XXXX 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 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 items of information, other than recorrds of convictions of crimes which anteddates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Texts claiming to be from Halsted Financial, one originally on XX/XX/20204, regarding a XXXX XXXX Bank, XXXX XXXX XXXX account. I do not have any such account, so ignored the message assuming a scammer or error. 

Second text on XX/XX/2024 stating an outstanding balance of {$1600.00} for XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ' I have zero interactions with XXXX  or Halsted Financial. These texts are either being sent erroneously or are fraudulent.
Product: Credit card or prepaid card

On XX/XX/2023, I contacted Aspire, a credit card company, regarding an incentive program that was advertised to me. The program offered a {$25.00} credit to enroll in autopay. Upon enrolling the credit did not appear on my account prompting me to reach out to customer service. After reaching out to customer service, the representative ( XXXX ) informed me that my account had been closed due to " inactivity '' on XX/XX/2023. 

I then informed the representative that I had received NO alerts, letters, or details regarding the closure and was unsure how that was possible as ( seen on my statements ) I had just paid off the entire card and used the entire line of credit at the end of XXXX and beginning of XXXX. I relayed this information, however the representative replied my account was permanently closed. 

This closure is clearly a false closure that will affect my credit score. I am seeking help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. Spring Oaks Capital , LLC, has violated my rights. 15 U.S.C 1681 602 A. 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

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$3900.00}
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 Finisher 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: Checking or savings account

On XX/XX/XXXX I received documents and a welcoming letter from USAA about opening a checking account. However, I never did nor authorized such an action. The account number is XXXX and appears to have been opened earlier in XX/XX/XXXX. I spoke with the bank staff including XXXX and XX/XX/XXXX, both customer service support who did confirm that this account was opened in my name, had my correct SSN and address but a different email address. They confirmed that a debit card was issued and an initial deposit made into the account, again, with no knowledge on my part. They also confirmed that the debit card was stopped by their fraud department but the account is open but on a hold as of XX/XX/XXXX. I requested several things be done immediately but they could only promise that I would be a call within 3 business days. I requested the following : The account be closed immediately with all funds redirected to their fraud account My name and all other information be removed from this account. 
Issue a letter by end of day XX/XX/XXXX confirming that all was accomplished. 

I inquired how a bank account could be opened without any credit check or other validation done by the bank. I have my credit reports frozen on all three credit agencies due to possible breech of my personal data. They could not answer that question and I am concerned for all their clients that no validation is done before an account is open. 

I believe this to be a scam attempt, opening a checking account with minimum deposit and then issuing fraud checks against insufficent funds. My concern is that this activity and/or closing of the account by the bank will be reported to the agencies and appear on my records, thus damaging my credit worthiness.
Product: Checking or savings account

Navy federal froze my accounts on XX/XX/XXXX I have talked to numerous of reps and have been told different things. I have had my accounts for a few months now, one rep stated that I had to show proof of relation to another navy federal member, This information wasnt requested when I initially opened the account why now?? I then was told that my accounts was froze due to a transfer I received, which one is it why is my accounts frozen? I have been inside the branch with no help at all I have sat on hold for hours over the last week and my accounts still are locked I have provided proof of my identity as well as address my accounts are still locked
Product: Checking or savings account

On XX/XX/2022 at approximately XXXX XXXX, XXXX debit transactions totaling {$650.00} to XXXX XXXX XXXX XXXX CA XXXX were processed by WSFS. I discovered the transactions on XX/XX/2022 and reported the disputed charges to WSFS. WSFS advised that a claim to have the disputed charges investigated was being submitted. On XX/XX/2022, WSFS assessed a {$35.00} overdraft fee to my account. I called and disputed the overdraft fee considering that the account became overdrawn due to the banks negligence and failure to appropriately monitor and flag the account for fraud. I received an email from WSFS XX/XX/2022 containing a survey regarding my visit to the XXXX XXXX XX/XX/2022. I did not visit the XXXX XXXX on XX/XX/2022 or any other WSFS Branch. There are some bank negligence issues and security breaches that need to be addressed at this financial institution.
Product: Bank account or service

I lost my bank account card one day, and did n't know I did for a few days. I then saw my account was going in to negatives that I did n't know about I then reported to the bank that I lost my card. And when that happened I asked that my account be closed. The issue is I tried to open another bank account recently and was told that there is some issues going on with my account with fraud that I had no part in. I believe someone found my card and hacked into it and used it for illegal purposes. Please help me.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries on my report and there are double inquiries that do not belong there. I tried numerous times to call and correct this with the credit agencies and they did not do as I asked. I need them removed immediately because they are not mine. I have provided an attached identity theft report. They are showing on my transunion and XXXX report.
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 or 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: Credit reporting or other personal consumer reports

I receieved multiple unauthorized inquiries on my consumer report that I do not recognize. back to back I over looked my report and immediately called to have them removed. they were not removed. this hard hurt my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

When I was XXXX I got my first part time job and put all of my money into a savings account in my name. It went untouched for several years and when i was about XXXX or XXXX I went to retrieve my money, excited to see how much interest had accumulated, only to be told my account was closed due to inactivity, and the money was no longer there. I asked the teller where my money went and she claimed that there was no record of money being in my account although I showed her my bank book with the date of deposit and the balance. Being young and naive I let the situation go thinking there was no way to solve this problem. Since then the bank has closed. I have checked at www.unclaimed.gov and www.missingmoney.com with no luck. There has to be some kind of record left stating where my money went, or if someone took the money.