23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2021 I attempted to suspend my services as I do every year. I only subscribe during XXXX season for the XXXX Ticket. I was told I could not until I paid the outstanding balance owed. I paid {$71.00} which cleared my bank on XXXX. I contacted them the following week and was told that they did not receive the payment and my services were cancelled and was quoted another service months worth. I have yet to be credited with the money I paid. After back and forth correspondence I heard nothing else. 

I received an alert from XXXX  advising of a collection account. It was a company named Credence Resource Management. I have not received any notification that this account went to collection agency but they are reporting me. 

I called XXXX XXXX to discuss this and was told that they did not forward account to collections but that I did owe this crazy balance. I advised of my payment back in XXXX and that I could provide proof of payment and was told to mail in a complaint. I have called to speak with a supervisor and was told there was not one and that I would need to mail a complaint. I have paid this and it is not being credited properly and I am getting no assistance from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Compliant XXXX, I am awaiting the credit agency 's Experian response regarding my dispute dated XX/XX/XXXX as well as a response to their letter on XX/XX/XXXX, which is against my consumer rights and federal law. The agency has 30 days to complete its investigation of a dispute and provide the information requested by the consumer. I being the consumer have not received any of the information requested from Experian regarding my complaint on XX/XX/XXXX. The agency failed to maintain reasonable procedure, failed to ensure maximum accuracy, and committed fraudulent activities with my personal information. It has been well over the given timeframe of 30 days, the agency is violating my rights and the law.
Product: Credit reporting or other personal consumer reports

Items were unlawfully added to my credit bureau report due to identity theft. Section 605b focuses on blocking information on a consumer 's credit report that is the result of their identity being stolen. In simpler terms, if a particular consumer can show proof that a negative item or multiple items on their credit report are inaccurate due to identity theft, the credit bureau is legally obligated to either remove or block that information from their current report.

This requires only the identity theft report my identification and a statement which is what Im a writing now is all thats required to remove the inquiries and account XXXX and XXXX XXXX. I have good standing accounts and do not need to inquire for more credit. My identity was stolen. When I contacted the lenders they requested I contact the credit bureau. I did and the disputes o filed somehow were deleted and never investigated. 

notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have attached the beginning date of these accounts. I had no knowledge of these consecutive inquiries and believe it was due to identity theft. I have attached all info to block these inquiries as well as the collection account XXXX  and XXXX  XXXX Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' ( CFPB ) has recently filed a lawsuit against credit bureau, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where credit bureau has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my understanding. I am requesting immediate corrective action to remove or amend the disputed accounts, as credit bureau inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

The company XXXX XXXX party issue with my direct deposit from my job. I m missing a full paycheck to my account. It has been more than 24 hours and no resolution to my account has been made. I have bills to pay. Capital one did not offer any financial assistance due to it being there issues as well.
Product: Student loan

My issue is with mohela. I was transferred to this servicer and have not been able to get a hold of them about my loans. I have been on hold for hours at a time and the one single time I got to talk to someone they gave me a blanket answer and didn't even look into my account. I have huge concerns over how my loans will be handled and in dealing with their non-existent customer services.
Product: Credit reporting

Inquiries on credit report disputed and XXXX did not provide proof of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Payday loan, title loan, or personal loan

Incident Description I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report.
Product: Checking or savings account

I was trying make purchase from the XXXX XXXX, I made a purchase of around XXXX usd. The seller said they completed my order, I checked and I didnt get anything and I had gotten banned.
Product: Mortgage

The city of XXXX XXXX has filed a civil complaint against Wells Fargo for various illegal practices. I have a reverse mortgage through Wells Fargo XXXX am asking your help to determine whether their various charges to service this mortgage is proper & within the guidelines established by FHA. The XXXX time I called Wells Fargo for information re the monthly interest rate change notice I was told to check with the Federal Reserve for my answer! I ca n't point to any single charge that MAY be illegal but would appreciate the CFPB to ask the appropriate questions to determine whether or not Wells Fargo is treating my loan within the laws governing HECM.
Product: Consumer Loan

On XX/XX/2016 we went in to look at new vehicles. When we found the one we wanted, we explained that if they could not find financing within the 1st bank hit on our credit and within the correct finance charges we were willing to pay, that we would return the following day with our own financing once our bank opened the following morning. When we went into the financing office, they notified us they hit our credit score 3 times. I was furious! We decided to just go ahead with it. When we were about to sign off on the car, we noticed the interest rate was XXXX points higher than we had agreed to pay. We thanked them for their time, and were about to walk out when they had to adjust the selling price to get us approved by the bank at the lower interest rate. The next day I checked my credit report and noticed they had XXXX hard hits on my credit. I contacted the dealership and they said there was nothing they could do that sometimes their computer just keeps searching until it finds a bank to finance it. None of this is what we originally agreed upon. I had financing I could 've received from my bank the following day during bank hours but with it being the end of the month, I think the dealership was trying to hurry to close the deal and searched anywhere they could that late at night to get the deal done. I need these hard inquiries taken off of my record, because I never authorized them to go through XXXX of the XXXX banks, I only authorized them to go through XXXX
Product: Checking or savings account

On XX/XX/2021 myself and son plus our dog were supposed to stay at the XXXX XXXX in XXXX XXXX CA. When we made the reservation via XXXX, we put that we needed a pet friendly hotel. When we seen that the hotel provided to us was NOT pet friendly. I reached back out to XXXX to get help resolving the issue. They called XXXX XXXX XXXX  to confirm they are not accommodating to pets. Which the hotel confirmed. XXXX was not helpful in trying to resolve the issue and unfortunately XXXX XXXX said because it was booked through a third party ( XXXX ) I needed to have them help. I contacted Chase Bank and explained the situation and that I wasnt getting help from XXXX in resolving the issue. We had to get another hotel the same night that was pet friendly. Fast forward to now XX/XX/2021 there was an over drawn amount on my account and my account was negative due to a claim reversal by chase for the the claim of {$330.00} from the XXXX XXXX claim. I submitted proof to Chase bank that we could NOT stay there and we did NOT stay there. I sent them receipts from the other hotel showing we had to purchase another hotel that would allow our dogs. Today on XX/XX/2021 I received my very much needed stimulus check. However because chase is taken a very long time to to fix my account and get the account back to good standing like it was I have now lost my entire stimulus check due to the negative balance from the claim reversal as well as an additional over draft charge. When I contacted chase today the only thing they could do is reverse the over draft charge but they told me I would have to wait to hear if my stimulus money would be reversed too. Which is completely unjust seeing as I provided proper documents showing we did NOT stay in the hotel that the claim reversal stated we stayed in. I truly feel as a consumer it not fair to us, our familys and money safety to have our funds taken while an on going investigation is happening. Nor is it fair to charge over draft fees when an account is overdrawn due to a reversal claim being investigated. We really depended on the little income we get and now {$500.00} is gone because chase  is taking its sweet time when every agent Ive spoken to has SEEN MY PROVIDED DOCUMENTS THAT SHOW WE DID NOT STAY AT THE XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. I believe it is essential to rectify these issues promptly to ensure the accuracy and fairness of my credit profile.

I have previously contacted your agency through multiple letters regarding the following concerns : 1. Late Payments : There are inaccuracies in the reporting of late payments on my credit report.

2. Credit Utilization : There are inaccuracies in the reporting of credit utilization on my credit report.

3. Personal Information : The reporting of personal information such as names, addresses, phone numbers, and employers is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information.

4. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information.

5. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ).

6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ).

7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ).

8. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with XXXX, XXXX, and Transunion. 

9. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. Immediate update across all three credit agencies is requested.

10. Correction of Personal Information : I request the correction of personal information to reflect only XXXX name ( XXXX XXXX ), XXXX address ( XXXX XXXX XXXX XXXX XXXX TX XXXX ), XXXX phone number ( XXXX ) and no employers. 

11. Deletion of Personal Statement on Transunion Report : I request the immediate deletion of the personal statement on the Transunion consumer report and the balance of credit scores.

12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in XXXX, XXXX, and Transunion systems concerning my consumer report. 

XXXX. Compensation : I request {$1000.00} per violation in accordance with applicable laws. 

I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. 

Sincerely, XXXX XXXX
Product: Debt collection

As Company previously stated they sent validation on XX/XX/2023 I still have yet to receive any information regarding my dispute with the company as the 30 day period has ended and it is still reporting to my consumer report UNDER THE ( FDCPA ) A COMPANY HAS 30 DAYS TO RESPOND WHICH MEANS THE LETTER MUST BE IN MY HANDS WITHIN 30 DAYS THE XXXX WAS A FRIDAY NO MAIL WAS SENT SATURDAY MAIL DOESNT GET DELIVERED SUNDAY SO MONDAY THE XXXX NO MAIL CAME STILL AND IF THE COMPANY MAILED IT OVERNIGHT TO BE DELIVERED ON SATURDAY THE XXXX I NEED TO SEE PROOF IF THIS ACCOUNT IS NOT REMOVED IN 4 DAYS THIS OPENS THE ACCOUNT UP FOR LITIGATION
Product: Credit card

Back in XX/XX/2016 I did not receive my credit card statement from Citibank in a timely Matter. By the time I was notified the account was over 31 days past due. I made payment as soon as I was notified. I have never missed payment on anything ever in my life. I called and spoke with someone in XX/XX/XXXX because I am applying for a mortgage and explained what happened. That person assured me that the account would be updated and they would remove late from my credit report. I called back and spoke with XXXX other people was explained the same thing it would be removed. So I paid for a rate lock extension of {$3000.00} only to get a letter several days later saying no they are not going to remove it. They committed to something which they have recorded on tape and now wo n't stick to it costing me extra money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto loan was paid off on XX/XX/XXXX, and it is showing on my credit report that I am 30 days late! Capital One sent me a lien release letter to my address, letting me know I would need it, to sell, transfer, or trade-in my car, along with the title I already possess. I went to the secretary of state and took the lien release, to receive a free and clear title. I paid {$21.00}, for the secretary of state to do a transaction type, called " Correction Title Only '', and print off my free and clear title. The payoff amount that was paid is {$31000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that need to delete in my personal file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate 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 XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$340.00}
Product: Checking or savings account

I was told on XX/XX/XXXX my account would be closed by Bank of America I have now received a direct deposit from my employer and Bank of America refused to let me withdraw my funds. They can not provide me with an accurate date of when my funds will be released to me causing me to go into financial debt concerning my bills and rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

i asked for the account to be removed because of consumer financial rights and us code violations. 15 usc 1681s-2 ( a ) ( 1 ) ( A ) ( B ) account is being reported on one report with a high credit of XXXX on XXXX  and XXXX on other two reports this is inaccurate reporting please delete this inaccurately reported account immediately also the dates last active are not matching this also inaccurate reporting. u acknowledge in a recent letter that u follow the laws and guidelines set forth but the fair credit reporting act so please acknowledge this law from the act 15 usc 1681s-2 ( a ) ( 1 ) ( A ) ( B ) your letter states that credit one bank was accurately reporting when it was not resolution im seeking is deletion of account from all consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, and Equifax has violated my federally protected consumer rights to privacy and confidentiality unde

r USC 1681. According to the 15 U.S.C. 1681 section 602 A state s I have the right to privacy.
These addresses do not belong on my credit report. 

XXXX XXXX XXXX XXXX, XXXX florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX XXXX Also the only name on my credit report should be XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Type - Auto Loan Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX CAPITAL XXXX Reported : XXXX XXXX, XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX. 
Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I helped my father move from XXXX  to XXXX XXXX XXXX. I stayed a short time to help him get settled and re- established then returned to XXXX XXXX . His landlord asked him to list persons in the home for IDENTIFICATION PURPOSES ONLY, so he listed me. As it turned out his landlady was a major slumlord. she refused to keep the property in livable condition. My dad rented the house sight unseen and hadn't met the landlord. This conflict resulted in an eviction as my dad refused to pay rent while repairs were ignored. The landlord apparently sold the judgement to CSO financial of XXXX XXXX  who put the judgement on my credit report. Ive been trying to buy a home and this erroneous entry on my report is a negative impact. Please make them remove this from my report. I was in no way party to the rental agreement.
Product: Debt collection

Not my account Paramount Recovery XXXX  not my account! Never received service not my state on residence