23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Premier Credit of XXXX XXXX placed a levy on my bank account on behalf of the XXXX. On XXXX/XXXX/15 I called the XXXX on the situation and they recalled the levy and sent notification to Premier which should have lifted the levy on my bank account. I called Premier on XXXX/XXXX/15 to confirm they received the notice and they said they had not. I then called the XXXX on the matter and again they confirm they sent the notification. I then called Premier and they again said they had not received the notification. I made a total of XXXX calls to the XXXX and Premier and over and over again the XXXX confirmed this as a result of looking into their data base which the employee used to send the notification. I also made XXXX calls to Premier and leaving my number for the manager XXXX XXXX to call me back. this was about XXXX. I waited till XXXX on his call to help with the mater which I called him at XXXX. Premier has refused to look into the matter to resolve the issue. Make take on that is they are lying about the matter so they can get the levy and receive the fee. Why would the XXXX make such a story up or lie on the matter!
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX - ACCT # : XXXX, Bal- {$490.00}, opened : XX/XX/XXXX XXXX XXXX - ACCT # : XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX  XXXX XXXX ACCT XXXX : XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX  XXXX - ACCT XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX- ACCT # : XXXX, Bal- {$280.00}, Opened : XX/XX/XXXX XXXX
Product: Debt collection

A debt collection agency called Convergent on XXXX XXXX 's behalf sent a letter to my address, addressed to someone else indicating monies owed. When I contacted Convergent they stated my social security number was used in opening an account with XXXX XXXX. Convergent directed me to contact XXXX XXXX directly, which I did. XXXX XXXX confirmed that the delinquent account was opened with my social security number. XXXX XXXX told me I need to sign an affidavit indicating my social security was fraudulently used via identity theft. It should be their responsibility to confirm accuracy of any information provided to them when opening accounts. <P/>Letter dated X/X/17 seeking amount owed {$810.00} and total balance of {$810.00} XXXX account # on letter : XXXX Connvergent Account # on letter : XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : CXXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure of the exact dates. But within the last 7 months ive submitted letters to to Equifax, XXXX and XXXX to have them remove a lot of credit inquiries from my credit report.. the only response i get from lall three bureaus is that all the inquiries are validated.. validated how? Ive never gotten a detailed examination of each bureaus imvestigation. The majority of my inquiries are unauthorized. Ive also called all three bureaus and they are no help.. Im tired of my inquiries stopping me from getting approved for anything. I work hard everyday and cant get what i want because of the shady nature of the credit bureaus refusing to acknowledge legitimate credit inquiry removal letters.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian due to their failure to respond to my dispute letters within the required timeframe, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed two dispute letters to Experian via USPS certified mail. The first letter, with tracking number XXXX, was delivered on XX/XX/year>. In this letter, I requested an investigation into the following inaccurate items on my report : 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 and Public Record Reference : XXXX. Additionally, I disputed the following incorrect personal information : Incorrect names : XXXX XXXX and XXXX XXXX, as well as incorrect addresses : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The second letter, with tracking number XXXX, was also delivered on XX/XX/year>. In this letter, I disputed the items XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and specifically requested Experian to provide their method of verification. I asked for the specific date on which they initiated contact with the creditor regarding the disputed item, the complete contact information for the creditor including their business name, address, and any available telephone numbers, the full name of the individual at the creditor 's end who verified the accuracy of the disputed information, and the method ( s ) through which they communicated with the creditor to verify the accuracy of the disputed item ( e.g., phone, email, mail ). I also requested confirmation of whether the creditor supplied any sensitive personal information, such as Social Security Number, address, and date of birth, during the verification process.

Despite providing all necessary documentation, including a copy of my photo ID, social security card, and a recent bill with my current address to help Experian verify my identity and address, I have not received any response from Experian regarding these disputes.

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my disputes, which they are required to do in accordance with the Fair Credit Reporting Act.

I am including a copy of my dispute letters sent to Experian, along with USPS certified mail proof of delivery, as evidence.
Product: Mortgage

We did a loan modification in XXXX. Selene finance told us we had to give the notary a cashier 's check to send in with our signed paperwork, which we did. We were told this was for the XXXX payment. 

We were so excited! 

We made our XXXX payment in two parts ( ahead of the due date ) and made sure to ask them if we could do this. They said it would be fine and the partial payments would be applied to the amount due for our XXXX payment. 

We tried to make our XXXX payment and they are saying we are behind because the XXXX payments were not properly applied to our account. 

Not our fault as we verified all of this. 

Now they are trying to state they never received the cashier 's check for the XXXX payment, which we have proof of it being deposited to THEIR ACCOUNT. 

They are trying to make us late on our payments when we have not been and will not be. We have worked tirelessly to resolve what COVID did to our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account listed is not my account please remove asap XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX
Product: Credit card

In error a payment was sent by online banking to Citibank Diamond Preferred Credit card with a balance of {$0.00}. Company processed the payment despite XXXX balance. Upon identifying the error company was contacted to request funds be returned. Company refused to return funds in time period less than 6 weeks. Numerous calls to customer services with no method to escalate complaints within their system
Product: Mortgage

Hello- I filed XXXX XXXXXXXX XXXX with XXXX WA XXXX XXXX XX/XX/23. After filing, i was served foreclosure papers from my PHH Mtg. With an auction date of XX/XX/23. 
I am also working on getting a modification and have submitted the application for HAF to XXXX and received courts approval to pursue HAF at the XXXX XXXX meeting. 
I can not afford an Attorney as i try to save my home so i am turning to you to ask if i am safe from foreclosure on the XXXX of this month? 
Why did they pursue this after being notified of my Bankruptcy?
Product: Credit reporting or other personal consumer reports

Transunion provided they verified bankruptcy # XXXX with the US Bankruptcy court - Nevada also XXXX Bankruptcy # XXXX Transunion claimed was verified directly with US Bankruptcy court state of Nevada this is an error or a lie!!!

I also contacted the Fraud department at Transunion who stated verbatim that this is not correct!! They have no correspondence at all with The Court House directly therefore, this is an error or a lie!!! Either way pursuant to USC 15-1681, 1682 according to the FCRA Im entitled to a fair credit report!! Transunion has affected my rental screening history, my integrity, my livelihood and most importantly my consumer report this is false fraudulent information, it needs to be deleted immediately I am also entitled to monetary compensation!!!! I provided all documentation proving these are not my bankruptcies you cant even legally file this close together!! The only time I have ever filed bankruptcy was in 2017 which was XXXX!! They have my police report as well as all documentation on file!!! This should be deleted immediately if not I will contact my attorney as this is a direct violation of 15-USC 1681 , 1682 Sincerely XXXX XXXX Transunion XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau : TRANSUNION FRAUD I hope your day is going well, I need your help. I pulled a copy of my credit report and noticed a fraudulent accounts. I am a victim of identity theft, and did not make the charge [ s ] .This incorrect information on my credit report is causing problems when I try to apply for credit. I did some research on how you handle consumer disputes. I believe you use a system called XXXX  to handle investigations. Please do not rely or do the investigate using this system because its not 100 % accurate. I really need your help because at this point I dont know where to turn. Please investigate this matter, and get back with me when you are finished. I am writing to dispute the following information on my file. Please update, modify or remove any account that is not reporting with 100 % accuracy. 
I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : XXXX XXXX  Opened : XXXX XXXX, 2016 Reported balance : {$6400.00} XXXX  XXXX Opened : XXXX XXXX, 2016 Reported balance : {$48000.00}
Product: Credit reporting or other personal consumer reports

AFFIRM INC., is in violation of multiple laws set forth by Congress in regards to the following account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( AFFIRM INC. ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( AFFIRM INC. ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX XXXX XXXX XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. AFFIRM INC., can not collect on discharged debts. These are now considered certificates of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of these accounts inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of these accounts as debts is inaccurate. AFFIRM INC. has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In AFFIRM INC 'S terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX AND XXXX are not affiliates of AFFIRM INC. nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion owns XXXX XXXX, XXXX reported that my score was XXXX for XXXX XXXX and XXXX, until XX/XX/XXXX when it was reduced to XXXX. 
I applied for a loan with XXXX XXXX On XX/XX/XXXX. I was denied the loan and told they based this on information from TU. TRANSUNION had told XXXX XXXX That my credit score was only XXXX, nit XXXX that Transunion was showing me. 

Why is Transunion reporting to me one score but then reporting a lower score to lenders?? 

Please see attached image showing no change during the time of thw request XX/XX/XXXX. Then reference the PDF email which shows TU telling XXXX XXXX a much lower score. 

Its been my experience that if you catch someone doing fraudulent and deceptive dealings, that is most likely NOT the first time, nor the last. That's just the time I caught them.
Product: Credit reporting

submitted my original dispute to XXXX and Experian and was told by phone that the dispute was never started but they sent results saying it was completed and will remain. The documents I sent to them were never uploaded for a dispute. It was an XXXX mortgage t originally through XXXX XXXX XXXX the 20 % has been deleted from all XXXX bureaus. XXXX XXXX is the only bureau that has deleted the 80 % ( XXXX XXXX ) and the 20 % ( XXXX ) for both creditors the fraudulent mortgage from my report but XXXX and Experian did not delete the 80 % and have not even scanned in my supporting documents but they keep saying the information should remain. XXXX XXXX XXXX has not been established as the new payee and they do not have the original mortgage note.
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 m ' 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: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/year> {$1900.00} Late Payment : XXXXXXXX XXXX Inquiry XXXX XX/XX/year> Personal Information Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some accounts listed are inaccurately reported, with wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

UPON REVIEWING MY CONSUMER REPORT, I HAVE SEEN INACCURATE INFORMATION AND ACCOUNTS STILL REPORTING THOUGH IT WAS ALREADY DISPUTED SEVERAL TIMES. I HAVE SENT DISPUTE LETTERS LAST XX/XX/24. I AM SO FRUSTRATED BECAUSE UNTILL NOW, NO ACTION ARE BEING TAKEN BY XXXX, XXXX AND TRANSUNION. 

XXXX : This account is not mine. 
XXXX XXXX XXXX XXXXXXXX XXXX This personal information is incorrectly reporting : Incorrect Name XXXX XXXX XXXX  - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect XXXX XXXX XXXX XXXX XXXX This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts ares not mineXXXX 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 TransUnion This personal information is incorrectly reporting : Incorrect Name - XXXX XXXX XXXX This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts are not mine. 
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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Experian** XXXX XXXX XXXX XXXX, TX XXXX **Subject : Dispute of Unauthorized Credit Inquiries- Identity Theft** Dear XXXX, XXXX, and Experian, This letter is to formally dispute unauthorized credit inquiries that have appeared on my credit report with all three bureaus. I have recently discovered multiple inquiries from [ 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 ]. I did not authorize these inquiries and believe this to be a form of identity theft. 

I request that you immediately investigate these inquiries and remove them from my credit report. I have attached copies of [ List any supporting documentation, such as a police report or fraud alert notification ] to support my claim. 

Please provide me with confirmation that you have received this dispute and an update on the investigation for each of my credit reports. I am available to provide further information or documentation as needed. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX  - XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Our home equity loan of XXXX which was originated with XXXX  was transferred to WFSF. The loan was paid in full and we received a letter stating that it was paid in XX/XX/XXXX. We are going to settlement on a new house and through the title search we found that WSFS had not notified the XXXX XXXX Recorder of Deeds of the transfer of the loan or that the loan was satisfied. The buyer 's lawyer contacted WSFS and was told to forward the title search and a request for a copy of the mortgage satisfaction. This was sent by the law office via email. No action was taken by WSFS for weeks. I called the customer service line on XXXX and was told that I needed to submit a copy of the title search and a request for a copy of the mortgage transfer. I went to a branch office on XXXX since we were settling on XX/XX/XXXX to see if I could get any help in expediting the process. I was sent a letter stating that the loan had been paid via email and forwarded the same to the recorder of deeds. The recorder of deeds informed me onXXXX that WSFS had not provided the necessary documentation to clear the loan. She stated that WSFS was aware of the process that needed to be followed. I called the customer service line and was told to provide a copy of the title search and a request for a copy of the loan satisfaction document and that it would take 2 weeks, meaning we won't be able to settle on our house.
Product: Credit card

Please I beg someone assist me with the following : late in XXXX I was offered a remote data entry position, little did I know until 4 days later that this was in fact a scammed job employment offer dealing with fraudulent payments that returned and fraudulent transactions that includes equipment and gift cards to activate equipment.It was too late when I realized and they were able to use two of my credit cards one being citi bank and the other capital one. They used my card to make purchases of equipment to use for supposed job employment. How ever days later the money used to cover expenses on the equipment purchased started to bounce back and my accounts were over drawn. I tried to reach out to the hiring manager and the trainer but they started to dodge my messages. This was all done through Teams. I have proof of our conversations and they also took my drivers license and social security information. I know owe over {$15.00} combining the citi bank card and capital one bank card. I am in debt and also still struggling to find another job employment while having student loans to pay. Citi bank is around XXXX k that is over drawn from my own credit limit : they are asking to need the due date amount but that can not be possible due to my current employment status. Plus there should be some kind of help for situations like this. Please someone help me.