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

XXXX  ; XXXX  and Transunion should not be reporting each inquiry listed as a separate line item on my credit report for XXXX, 2020. These multiple inquiries in XXXX, 2020 are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. The XXXX, 2020 inquiries were run WITHOUT my permission. I NEVER gave permission for any of these inquiries to take place for XXXX, 2020. ( Please see pages attached from my credit report. ) These items need to be removed as well. This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

LVNV brought a credit that I don't owe and will not remove this credit off my XXXX account. The federal law says that I don't have to pay a debit collector on a debt that has been already paid to the originally company, the originally company has already received and filed their Form 1099-C ( Cancellation of Debt ).
Product: Debt collection

AR resources was told this was not my debt, and placed under dispute, they talked to the VA and VA told them it was not my debt, but still filed a collection agaisnt me
Product: Credit card or prepaid card

I called Menards to tell them I was unable to make my payment because of COVID. 
I was laid off and unable to work. 
They told me that they would waive fees and not report the lates to credit as long as I paid within 90 days - Which I have and am caught up with my payments. Card is more than half way paid off at this point. 
I was not supposed to receive these lates on my credit report and I did. We are in the middle of a pandemic and this was not supposed to happen to me.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 item of information, other than records of convictions of crimes which antedates 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: Credit card or prepaid card

This is my second attempt to resolve the issue in regards to consumer credit transaction with Chase Bank Credit Card. Chase bank is in violation of 15 usc 1605 ( a ).
Product: Credit reporting or other personal consumer reports

It is my understanding that FCRA 605B obliges us to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts appear to be inaccurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute with Transunion about removing XXXX XXXX  account since it was reporting a XXXX balance. Their investigation did not resolve the issue. They are now adding a balance to a closed account.
Product: Debt collection

Not XXXX, but third party debt collector : -Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information contained in this database is current through XXXX XXXX, XXXX. 
Selected Entity Name : CLEARVIEW RESOLUTION SERVICES, XXXX. 
Selected Entity Status Information Current Entity Name : CLEARVIEW RESOLUTION SERVICES, XXXX. 
XXXX ID # : XXXX Initial XXXX Filing Date : XXXX XXXX, XXXX XXXX : XXXX Jurisdiction : NEW YORK Entity Type : DOMESTIC BUSINESS CORPORATION Current Entity Status : ACTIVE Selected Entity Address Information XXXX Process ( Address to which XXXX will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEW YORK, XXXX Registered Agent & lt ; Begin & gt ; Agent called my father,, and let it be known they talked to him first. Began by threatening that I committed fraud by closing my account and they were about to file a lawsuit for fraud. ( Account was closed because of non-authorized withdrawals by unknown entities ) By doing a search on XXXX XXXX, it is resolved that they are NOT licensed in the state of Virginia. Thereby, the initial loan was felonious in nature. The strong-arm and uninformed tactics by Clearview Resolutions is unfounded and felonious as well.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc . ) due to inadequate customer service unfair practices, which violates the consumer financial protection act ( cfpd ) .specifically, cashapp 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 XXXX and regulation E.these actions have caused significant inconvenience and financial loss, i seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

I am filing up complaint against Cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act 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 and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

Approved for a loan modification and have made all of my payments.Company still has not updated my account and it has been over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Response to Experian 's Failure to Address Inaccurate Information and Request for Removal of Disputed Accounts Dear Consumer Financial Protection Bureau, I am writing to formally dispute and request the immediate removal of inaccurate information from my credit report, as provided for under the Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681 ( a ) ). Upon reviewing a copy of my credit report, I have identified discrepancies and concerns regarding the accuracy of information related to the accounts referenced below I recently submitted a dispute letter to Experian, including all the necessary documentation to verify my identity and support my claim. However, I received an email response from Experian stating that they can not complete the investigation due to the alleged absence of copies of my Social Security Number ( SSN ) and identification. 

I would like to clarify that I did, in fact, include all the required documentation with my initial dispute letter. Enclosed with my certified letter to Experian were copies of my driver 's license, Social Security card, and lease agreement, all of which serve as valid proof of my identity and address. I have attached the proof of delivery for your reference. 

It is disheartening to encounter such oversight and disregard for the accuracy and thorough review of the documentation provided. These errors and inaccurate reporting on my credit report have significant consequences on my daily life, hindering my ability to secure loans, obtain housing, and even acquire necessary means of transportation. 

Furthermore, I request the immediate deletion of the unverified and closed accounts listed below : 1. XXXX XXXX XXXX XXXX ( {$810.00} ) 2. XXXX XXXX XXXX XXXX ( {$0.00} ) 3. XXXX, XXXX. XXXX ( {$0.00} ) 4. XXXX XXXX XXXX ( {$820.00} ) 5. XXXX XXXX XXXX XXXX - XXXX XXXX XXXX ( {$0.00} ) 6. XXXX XXXX ( {$0.00} ) 7. XXXX XXXX ( {$620.00} ) 8. XXXX ( {$0.00} ) 9. XXXX ( {$0.00} ) 10. XXXX XXXX XXXX XXXX XXXX ( {$1000.00} ) I kindly request your intervention in this matter to ensure that Experian conducts a thorough investigation, rectifies their oversight, and takes immediate action to update and correct the inaccurate information on my credit report. These actions are necessary to restore the integrity and accuracy of my credit profile and protect my consumer rights. Also they mentioned the inquiry may take 45 days?? Isnt the max 30 days? How is this okay? 

I appreciate your attention to this matter and ask that you keep me informed of any actions taken in response to my complaint. Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit card

My finace XXXX XXXX referred me to get a credit card from her bank Wells Fargo. I called in and got denied for the unsecured credit card. I proceeded to fill out the application for an secured credit card with XXXX XXXX XXXX and after I listen to the disclosure about the card, my phone ended up powering down. XXXX XXXX submitted the credit application without my consent. Being my phone powered down, we never reached the point of the submittal and there was additional information needed. My fiance XXXX went to XXXX and her card declined. She looked in our savings account and found that I was indeed approved for a secured card and XXXX was taken out of our savings. XXXX XXXX never mentioned on the recorded line that funds had to be available up front. In fact there was no conversation at all concerning how payment would be made if I was approved. Yet, he took it upon himself to submit my application while I was offline and snatch the money from a joint account without my permission. I have called the bank several times and no one can give me a reason why he would submit the application and take it out of my joint account with XXXX. XXXX talked to a supervisor from Texas on XXXX/XXXX/2015 and was told that if a customer is disconnected from the line the application ceases and that it was violation. It has been an inconvience to my family all because someone wanted to make a number or meet a quota. XXXX XXXX stole from my family and all I can get is that it takes up to 60 days for funds to return. Hard earned money that XXXX and I worked for cant be returned until 60 days out. We were promised XXXX XXXX/XXXX/2015 or XXXX/XXXX/2015 from a banker that we would have the funds. Today is XXXX/XXXX/2015 and no funds have been received. Wells Fargo Sales department committed Credit Card Fraud by establishing a credit card in my name and taking my money without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Hello sir or ma'am, I am asking for your help to investigate Prestige Financial Services, located in XXXX Utah for violating the Servicemember Civil Relief Act ( SCRA ) after illegally repossessing my vehicle without a court order. 
In addition to that, they were supposed to lower interest to 1 % ( Exhibit A ). The only reason this account was in default is that they never updated the loan to reflect 1 % or the new banking information I provided them. A few weeks later I had to transfer from XXXX XXXX  to XXXX XXXX, stopping in between to attend a military training course for several months in XXXX XXXX. During that entire time, nobody reached out to notify me by phone or mail that the vehicle was at risk of being repossessed. The only notification that was sent to me was an email the month prior, which I didn't receive due to being in NY visiting family for XXXX. Even in that overlooked email, it did not say anything specific about repossessing the vehicle. ( Exhibit B ) It wasn't until a month later when Prestige Financial Services committed the most unethical and indecent act imaginable on the evening of XX/XX/2016. They intentionally violated my entire family by coming on private property in a double gated community without any warning and illegally repossessed our minivan without the decency of allowing me to get my belongings or all my kids XXXX gifts my wife had hidden inside, completely ruining XXXX for my XXXX young children who did nothing wrong! That is when I discovered the email sent the month prior and responded immediately notifying them that they were in violation of the SCRA. ( Exhibit C ) It wasn't until several days later when they finally contacted me back. I was told that I would have to pay {$500.00} to get my belongings back, which at the time we couldn't afford after having to re-purchase all the gifts for my children after XXXX when the stores opened up again. We never got our belongings back. After everything they did to violate us they are still damaging me by reporting inaccurate negative information on my credit report. I have sent them proof multiple times that the repossession was done illegally and it violated federal law under the SCRA but they still refuse to fix their mistake and won't remove this account off my credit report. I was advised by the XXXX Legal office on base to contact you after they saw what was done to me and agree that this company should be investigated to the fullest extent for their business improprieties.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing inaccurate information with XXXX, equifax, and XXXX  over the last six months and yet the same errors appear on my credit report. every time i dispute these unverifiable accounts, i either get an " updated '' response and nothing changes. 

XXXX DEPT OF EDUCATION is falsely reporting XXXX, 150 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

XXXX XXXX XXXX is reporting inaccurate personal information. delete this from my credit report. 

EQUIFAX XXXX XXXX XXXX XXXXXXXX is reporting false late payments and missing payment history for the entire account. also reporting differently to experian. 

DEPT OF EDXXXX is falsely reporting XXXX, 120 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

XXXX XXXX XXXX  is reporting inaccurate personal information and false payment history that's unverifiable. delete this from my credit report. 

XXXX DEPT OF EDXXXX is falsely reporting XXXX, 120 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

i have attached proof from www.annualcreditreport.com for further review.
Product: Student loan

Ive sent two emails in Mohlea system with no response One was sent on XX/XX/XXXX and the other on XX/XX/XXXX. This group is quickly becoming worse than my last servicer. The XXXX on XX/XX/XXXX was asking about the XXXX process and when Id know about the waiver I submitted in XXXX. The reason I have the questions is Im concerned about what will happen if the application is not processed by the XXXX cut off date.
Product: Debt collection

XXXX has XXXXeported charges for equipment that was returned once I no longer need there no contract wifi services. A few months after returning equipment I noticed the debt on my report. After multiple unsuccessful attempts to rectify the situation over the phone I went into a local XXXX store after 2 hours the service member was able to find in the notes on my account that the equipment was returned, no account balances was noted. I asked for a print out of his notes and he contacted customer service and his peers and stated unfortunately he can not give me a copy. I then spoke with the customer service rep as well and he stated he can fill form out and have the error removed. Instead of debt being removed it was as charged as a write off ( as if I just paid the debt off ) but still remained on my credit. And continues to reappear be on my credit decreasing my score. This has need going on for about over 6 months now ( XXXX XXXX  Please help.
Product: Payday loan, title loan, personal loan, or advance loan

The company reported this item twice on my report and I have XXXX balance. But it being reported twice and negative on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to XXXX and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

Even though I am logged into my account at Transunion I have not be able to access or manage the freeze on my information. I have attempted for several days and initially, allegedly, the customer service person says they opened a trouble ticket for this. The message I get after my attempt is, " Sorry, we're having trouble showing the status of your credit freeze right now ''. I attempted today XX/XX/year> and the situation remains. 

I have communicated with a service agent by phone as well as via chat. They all ask for the highly secure personal information which I believe compromises my financial security.
Product: Credit card or prepaid card

XXXX was charged for an amount of {$1600.00} for a healthcare service that ended up damaging me and cost me more money out of pocket. I cancelled the service early ( as there was more service previously booked ) and left the merchants home due to injury. I disputed the charge with Citi Bank, sent in proof of flights leaving the merchant, XXXX accommodation for time needed to heal before traveling back to my home, flight leaving back to my home, and an invoice from a local chiropractor from the damages done. I have provided ample amounts of proof for the dispute, while the merchant has none. Attached : -Proof of original flight. XX/XX/22 - XX/XX/22. -Proof of departure from merchant XX/XX/22. -Proof of XXXX stay. -Invoice proof of damages. 

The company resolved half of the issue, and is not assisting with the other half. I was told the other half would be taken care of, but now it just sits in my account is becoming a late payment. I have called multiple times, and each time I get a different answer. This other {$600.00} needs to be removed from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 my XXXX Credit Card was transferred to Capital One without my knowledge. I had auto-payments setup for the XXXX Card which were cancelled in XXXX without my knowledge. 

Today I received a statement by mail from Capital One stating that my account is 2 months past due. There is a late fee of {$40.00} charged for XXXX. I presume I was also charged {$40.00} late fee for XXXX. 

Upon reading the statement I also noticed that the account number referenced does not match my credit card. Apparently, Capital One changed the act # and never informed me nor sent a replacement card. 

Upon reading the XX/XX/2021 statement I phoned Capital One. The representative explained that my XXXX  Acct was taken over by Capital One in XXXX and that they received my XXXX payment from XXXX. However, XXXX and XXXX payments were not received. The rep stated that policy was to send a notice to the credit bureau on 30, 60 and 90 day past due accts. 

The Capital One rep informed me that she could not correct any notices to the credit bureau but provided an address to write to for Credit Bureau Disputes ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I then closed the account and paid off the balance 0f {$630.00} via bank draft. I have written a letter to the disputes dept.

I am asking your help in getting the following : 1. Letter to all credit agencies negating any late notifications that were sent by Capital One.

2. Refund of all late fees imposed by Capital One. I estimate this to be {$80.00}. 

It is not fair that I did not receive prior notice of the transition from XXXX to Capital One and that may auto payments were not honored for a reasonable grace period ( 60 days ). I have experienced this with my mortgage which changed hands several times.
Product: Credit card

Chase is illegally re-aging a paid and settled charge off. I have received a XXXX and paid this debt in settlement. The debt is outdated and should have been removed from my credit bureau but it appears on my credit bureau as it has been illegally re-aged. 
They have also added the account more than once on my credit bureau 's stating it is unpaid and it has a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit 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 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 XXXX XXXX
Product: Debt collection

I had already paid for medical service from XX/XX/XXXXfor the amount of XXXX yet still this company keeps trying to collect