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

To whom it may concern : This is an issue that I had/have addressed previously with your organization. I called today to the CFPB, and it was suggested that I might be well behooved to file a second and separate complaint, since this matter has still not been resolved. 

I ( will keep this as brief as possible ) as the details can be viewed in the previous complaint. 

The company in question is Accurate Background. This background check/reporting company sent me a letter dated XX/XX/2018, with a 'corrected ' background check / report that STILL has incorrect and of course more important, still is damaging to my reputation and ability to get a job going forward, etc. 

I have lost FIVE months of employment ( part time ) with XXXX XXXX, since this background report company provided XXXX XXXX  a seriously inaccurate report, and my offer of employment was declined. 

Thank you in advance for your assistance. 



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

Unauthorized hard inquiries To whom this may concern I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
1. ) XXXX XXXX dates XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX 2. ) XXXX XXXX XXXX XX/XX/XXXX 3. ) XXXX XXXX XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XX/XX/XXXX 5. ) XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 6. ) XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 7. ) XXXX XX/XX/XXXX,XX/XX/XXXX, 8, ) XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX 9. ) XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 10. ) XXXX XX/XX/XXXX,XX/XX/XXXX 11. ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX 12. ) XXXX XXXX XXXX XX/XX/XXXX 13. ) XXXX XXXX XXXX XX/XX/XXXX 14. ) XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed e. couple of items that are not mine on my credit report. I have contact the FTC and the police here. These items need to be deleted from 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. Im dong this on my own behalf.
Product: Debt collection

I have sent the collections company LVNV/ Resurgent Capital Services , a dispute letter via email responding to them for continuously emailing me regarding this matter to stop. Then had to mail a dispute letter requesting for them to both stop emailing me along with mailing me regarding this. In which the emails were bait to invite them to start mailing me because the first letter they sent tried to say I had inquired about the debt when I had not. Also they have sent me several letters with the same one statement that looks altered, with no account number on the letter, and an account number the said original creditor XXXX XXXXXXXX XXXX doesn't even have on file. I mailed the Collection company disputing this one credit card statement requesting them to send me the original agreement with my signature, a full break down of amount owed from the previous months to the current date of the statement sent. And all they have sent back was that one same credit card statement along with a small account summary report typed up and made by them Resurgent Capital Services on behalf on LVNV funding that has no itemized break down of charges, fees, dates etc. So I am requesting for this company to stop contacting me regarding this along with to stop trying to collect or even to try and sell this debt to another collections company to harass me like this company has been doing.
Product: Credit reporting or other personal consumer reports

I filed a cfpb complaint with Equifax concerning improper use of my consumer reports and they failed to comply stating they couldnt find my credit profile but I have a Equifax credit report showing
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX repossessed vehicle from me in XX/XX/XXXX they're saying they repoed it in XX/XX/XXXX which is incorrect a repoed it way before they were supposed to. The vehicle was no longer in my possession after XX/XX/XXXX they came and took it out of my driveway 2 days before my check cleared my account I was going through XXXX XXXX XXXX and I kept them well informed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently began repairing my credit, while doing this I noticed two paid accounts that I have with XXXX XXXX which were paid off in XX/XX/XXXXare not listed. Also that many names and social security numbers listed in my account were not correct. They promptly removed the incorrect names and social security discrepancies which I am very grateful for. I contacted Experian on Friday XX/XX/XXXX and spoke with customer service to resolve the accounts not being listed at this time they explained that this is because of account maintenance. I told them I understand but would like for them to remove my recent inquiries because this maintenance is the sole reason I have been denied for credit cards and car loans I have recently applied for. I recently became unemployed and this has caused me much trouble. I feel like my credit should be reported correctly as I understand accounts may need maintenance but I should have been notified. I would not apply for anything if that was the case. Thank you for your help.
Product: Payday loan, title loan, personal loan, or advance loan

I visited the Acima Desk at XXXX XXXX XXXX in XXXX, Indiana. Acima offers lease to own services and I was hoping to get a lease for a couch. The employees first name was XXXX. She was purposely deceptive about the terms of the loan. She indicated that as soon as you paid the full cash amount before the lease was over, the lease would automatically end. For example, if the lease was for {$3000.00} And you accepted a 24 month lease at {$350.00} per month, the lease would end after XXXX months of payments. She insisted that there were no fees for leasing, there was no interest, and you only ever paid the cash amount. However, I was looking at the contract she was asking me to sign and the {$3000.00} purchase there was {$5500.00} in interest and a {$50.00} fee. The contract clearly stated that the terms of the lease to own agreement was that I would have to pay {$8500.00} over a 24 month period. XXXX kept insisting that that you only had to pay the cash price of {$3000.00} even though the contract in front of me directly said Id be responsible for {$8500.00}. I repeatedly asked for clarification about the contract and she said oh we just have to have that in there thats not what you actually pay. We went back-and-forth discussing the terms of the lease to own agreement and she repeatedly verbally told me things that were not in the contract. Another example of this is she tried to tell me that the {$8500.00} was if you missed a payment. However, the contract clearly stated that if you make payments on time as its {$8500.00} - if you miss a payment then its more. after discussing for XXXX or XXXX minutes, she finally did tell me that you only get the cash price if you pay off the full amount of the loan within 120 days. This practice is extremely deceitful, especially when she is giving potential customers information that directly contradicts the terms of the contract.
Product: Checking or savings account

TRUIST ( formerly Sun trust, keeps changing me {$36.00} every time. They charged me {$680.00} in one week, starting on the XXXX of XXXX. They have been charging me {$36.00} for a long time now.
Product: Debt collection

Recently my credit report showed a collection account with Convergent Outsourcing, Inc that is severely affecting my credit. They say that the original creditor is XXXX. I switched from XXXX to XXXX over 6 years ago with an offer that XXXX  gave us to pay for the outstanding equipment balance to transfer our business to them. I filled out all paperwork required and they were supposed to pay it. After 6 years I get this collection account and contacted XXXX  my current provider and they contacted a XXXX representative with me on the phone to solve the problem. The XXXX customer service representative said this was too long ago and that there is nothing for me to do but pay them. I told them is not my fault they waited years to communicate with me about it and this was supposed to be solved years ago. My current XXXX customer service representative confirmed that this was an offer that I received and that it was supposed to be done as offered, but XXXX 's customer service representative said since it was so old he had no access to that offer any longer and I have to pay. I find that waiting for so long to tell me that I have an outstanding balance has been done with bad intentions. I trusted that this was paid and they waited many years to contact me and to make me liable and responsible. I disputed with the credit buro and they only added a remark that I dispute the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've spoke to Chase Bank and they have not provided information about proof of any contract in my name however, I have a document with the name of the debtor and account number with payment history and it does not reflect any information pertaining to my name or personal information. This loan is from the State of Illinois not from Georgia where I reside. The executive agent I spoke with XXXX did not want to remove this information from being reported on my credit file. I was not expecting any problems from this company Chase to remove inaccurate reporting information off my report, it seems to be some confusion that I can not identify when it is clearly an issue with discrepancy with the names and addresses attached to the account being reported and Chase is ignoring the facts and violating my consumer rights and laws from the ( FCRA ) Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Timeline : * On approximately XX/XX/2020, I received a letter from XXXX XXXX XXXX ( " XXXX '' ) dated XX/XX/2020 informing me that the servicing of my mortgage had been transferred from XXXX to XXXX effective XX/XX/2020. The letter stated that my unpaid principle balance was for {$12000.00}. ( copy enclosed ) * I promptly sent a check for the amount of {$12000.00} to the address indicated for payments. 
* Check was returned * A statement, dated XX/XX/2020 was sent to me with the final payoff figures totaling {$12000.00}. I, again, promptly sent in another check with the amount indicated to pay off the loan. ( copy enclosed XXXX In a letter dated XX/XX/2020 I received a letter congratulating me on paying off my letter in full with a payoff date of XX/XX/2020. ( copy enclosed ) * On XX/XX/2020, my credit card company informed me that my credit score had suffered due to a " delinquent status '' as reported by XXXX coincidentally on the same date as my payoff date or XX/XX/2020. My credit rating dropped from XXXX down XXXX points to XXXX. 

*I promptly called XXXX the same date and talked with several representatives ( the one I started with was " XXXX '' ). I was informed that XXXX did not report to the credit bureaus and, in fact, were prohibited by law under the Real Estate Settlement Procedures Act " RESPA '' - the first I had heard of this Act. I was able to convince them that they did indeed do the reporting and was told the only way to " fix '' the mistake was to file a dispute. I promptly did and also filed a dispute with all credit bureaus, The initial delinquent status was removed but my credit rating did not recover to XXXX. 
* On XX/XX/2020, XXXX again reported me as delinquent ... ... I immediately called XXXX and they were as dumbfounded as me ... perhaps more XXXX than founded ... ..I was told that they would immediately start working on it and that I would not have to file a dispute as they recognized that they had a reporting issue .... 
*Today is XX/XX/2020 - I just completed yet another call with XXXX and spoke with " XXXX '' who informed me yet again that there was no way they had reported it.. After encouraging her to read my file she put me on hold for several minutes and then informed that the person who was working on it " was away from his desk ''. 
*To summarize - XXXX is continuing to report me as delinquent on every scheduled payment even though 1 ) the loan was completely paid off on XX/XX/2020 as even they acknowledge by letter, 2 ) I STILL have not received my lien release ( they informed me it as in process ), 3 ) My credit rating has suffered severely dropping from the highest percentile to " average '' through no fault of mine, and 4 ) They are PROHIBITED BY LAW to report anything to credit bureaus within the first 60 days of transfer. 
I NEED HELP AS THEY ARE TO INCOMPETENT TO FIX THEIR OWN MISTAKES.
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed a debit from my bank account for {$300.00} to " XXXX XXXX XXXX  XXXX  ''. I immediately called bluebird by american express to advise I did not make this charge or purchase, I was told to call back when the charge has processed as it was currently on hold status. 3 days later it had processed so I called back, they started a dispute on the charge & canceled my card & sent a replacement debit card & said it would take 7-10 days to resolve. I then emailed XXXX  about the charge & they responded to call their fraud dept. XX/XX/XXXXI called XXXX  fraud & was told the purchase was for XXXX XXXX tickets in XXXX XXXX on XX/XX/XXXX & that they couldn't refund the charge because the event had already taken place & the tickets were used. XX/XX/XXXX I called bluebird by American Express again to see where the investigation was at & why my funds were still locked. This is my checking account, my paychecks are direct deposited, all my funds are in this account and have been locked for 20 days. Bluebird advised my funds would be locked until I activated the replacement debit card, which I still hadn't received so they had to send a second one. My dispute was denied even though I could provide proof I was no where near XXXX XXXX  at the time of the incident.
Product: Mortgage

UWM has a policy that if two auto-payment drafts are NSF within 12 months, they turn off auto-pay on your account. 

On XX/XX/XXXX there was a NSF that was not legitimate as there was money in the account. I contacted UWM, who stated I needed a Qualified Written Request, bank statements, and a letter from a bank. I got all that and sent it to them on XX/XX/22. An employee told me that UWM would have 30 days to approve or deny my request. I sent multiple messages on their message center and made several phone calls but everyone I spoke to told me they couldn't do anything about the situation and it was all up to the drafting department, which " doesn't have a phone. '' Anticipating the lack of help from UWM, I mailed a check certified with USPS on XX/XX/22. I ran the tracking number several times and it appears it was not sent properly. I called USPS and they said they are only able to look it up by the tracking number, which does not come back with anything. I will go to the post office tomorrow to send another check ( they use a XXXX XXXX so checks can only be sent USPS ) Today, XX/XX/22 I got a reply saying that they couldn't open my documents. I resent them all on the website. 

I have the money to pay my mortgage. I am extremely frustrated with trying to get the money to UWM and I can't talk to anyone who can do anything about getting auto-pay turned back on. Please help. 

I'm sorry for submitting a complaint about this, I'm sure other people have way worse things going on that they need help with. I'm not usually a complainer. I really appreciate anything you can do to help.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$950.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account had previously been deleted from my credit report because it was reporting in error. Moving forward to present day, apparently this account has since been re-aged and sold to ANOTHER collection agency. This is a violation of the Fair Credit Reporting Act. I have long since closed this account and during that period of time I made arrangements for the company to pick-up their equipment following the guidelines outlined by the company to return equipment. The company failed to process my return correctly and consequently, because of their error, this account was sent to collections. I never received any correspondence regarding this account and I was not aware that there was a collection until I obtained a copy of my most recent credit report. The false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- Equifax , XXXX , and XXXX disputing this Account with XXXX XXXX XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this UNVERIFIABLE and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus AND XXXX XXXX for reporting false information on my credit report AND defamation of character. I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am requesting TransUnion to delete or block the two fraudulent accounts from XXXX XXXX immediately. As a victim of fraud, the Fair credit reporting act allows me the right for removal of all fraudulent accounts from XXXX XXXX. Thank you.
Product: Checking or savings account

A dispute was filed against XXXX XXXX charge from X/XX/2017 2017 for merchandise or service not as paid for. Initially in attempt to save themselves work BOA dissuaded me from filing the claim but I changed my mind and asked XXXX in Arkansas to file the claim. He did not. His negligence let to a dominoe scenarios where my bank account was over drawn and charges were files all of which are the responsibility of XXXX not following through with filing the dispute. All the over drafts and subsequent fees lead back to XXXX decision to not do his job. Seeing as the XXXX and I have XXXX XXXX documented as misleading me this is clearly ended up in court with a special case against XXXX XXXX specifically and and extensive civil case against BOA I will just keep memorializing the assort torts that BOA and XXXX XXXX continue to inflict on me. They certainly are added up. I ask as that the instant credit from the XX/XX/XXXX dispute be deposited immediately and that all resulting fees be recinded. Good day.