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

In my previous dispute with XXXX ( XXXX XXXX XXXX credit card account ). I have previously disputed the reporting of this account with XXXX XXXX XXXX and they proclaimed that the entry was reporting accurately on my credit reports. That is wholly untrue. In my previous dispute with them in XXXX, I informed them that they has not updated my credit report payment history since XX/XX/2018 with XXXX, XX/XX/2018 with Transunion and XX/XX/2018 with XXXX. 

I recently pulled my credit report and the only bureau that is current is XXXX  ( see attached ). XXXX XXXX XXXX has not updated XXXX  since XX/XX/2018 ( see attached ) and Transunion since XX/XX/2018 ( see attached ). I am again requesting that XXXX Bank ppdate my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
Product: Credit reporting or other personal consumer reports

I've made several attempts to address the problem of unauthorized inquiries on my consumer report, but the issue persists. These inquiries are entirely unrelated to me and I am not responsible for them. Their presence has caused me considerable emotional and financial strain. As an identity theft victim, I may need to pursue legal action if this isn't properly resolved. These false and fraudulent entries have prevented me from buying my ideal home and supporting my family adequately. The effect on my financial health has been severe. I've included a copy of my previous letter to the Federal Trade Commission ( FTC ) detailing this issue and requesting a solution.
Product: Money transfer, virtual currency, or money service

Sunday night. My card declined. I found that that there is a XXXX transaction that I did not authorized. I was not able to cancel online. Someone hacked my online account. BBT bank failed to protect my money and declined my claim. I was scared that can happened again. I closed the account.
Product: Debt collection

My wife was contacted by a blocked number that gave her the number XXXX XXXX  XXXX XXXX They stated that a process server was going to come today and wanted to confirm our address. I called them back and was initially confused because the debt they were going to sue us for ( breach of contract, fraud, etc. ) was past the statute of limitation and that they were going to put a lien on our house. Basically ALL the expected strong arm tactics of a bad Debt collection business.

Once I started figuring out what they were up to, I called back and asked them to give me their address, without identifying myself. The individual I talked to Started reading me a pretend address where the numbers were my and my wife 's social security number. ( XXXX XXXX XXXXXXXX XXXX ), for example, additionally he started insulting me and and asked me to grab a crayon to make sure I wrote everything down correctly. Then I was transferred to another individual and they gave me the address of XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX.
Product: Credit card or prepaid card

Chase  closed ALL my credit cards ( tota l 3 ) . The only rationale they have given is " compliance ''.  <P/> Closing my accounts will result a lowered  credit score , despite my effort to resolve this issue, Chase has refused to work with me. I held a security clearance and my background was scrutinized by the department of defense. All my income are verifiable via  XXXX  or  XXXX . Every purchase is explainable. There should be no reason that I am offending any of their " compliance '' regulations.  <P/> They closed all my accounts  X/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report and it has been well over 30 days, I have not received the investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth for several months with disputes with XXXX regarding my 2 accounts with XXXX   which are both being reported inaccurately.  OnXX/XX/2018 I submitted an online dispute with XXXX, XXXX XXXX XXXX XXXX, GA XXXX for both of my accounts with XXXX   requesting an investigation into the matter.  I stated to them that the XXXX accounts were being inaccurately reported.  Although in this latest dispute and my request for written verification per the FCRA, XXXX is still listing both of the accounts as being 120 days late.  They are still stating that the accounts are verified and accurate without providing me with the proof I requested on XX/XX/2018.  Both accounts were paid in full and transferred so how can they be 120 days late?  Why does XXXX refuse to provide me with the written verification?  All they are doing is prolonging this action plus causing unnecessary negative marks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$450.00} XXXX XXXX {$1900.00} XXXX  XXXX {$2100.00} XXXX XXXX {$2700.00} XXXX {$3000.00} XXXX  XXXX {$5900.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX {$1200.00} XXXX XXXX {$1100.00} XXXX XXXX {$3000.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX {$2200.00} XXXX XXXX {$3300.00} XXXX   XXXX {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry that is fraudulent someone else did it and I tried removing it from the credit bureau and they wont do it. The inquiry is XXXX  code services. XXXX. The address is XXXX XXXX XXXX  XXXX XXXXXXXX, NY ZIP Code, XXXX. The telephone number is XXXX. 
The inquiry was on XX/XX/XXXX, XXXX
Product: Mortgage

Good Day, Since XX/XX/2017 I have been trying to submit a modification to Rushmore low mileage on several occasions since XXXX and XX/XX/2017 they have told me they have received the packages in later turn around or day after or two days lately with a message or city some type of a mailing no they dont have all the paperwork and when I get in contact with Rushmore and let me know if the let me know what paperwork they need which they already have received which I faxed over again and then they say they will send it to the underwriters in which what is it to the underwriters they call me back to see another different pages missing or I need to write in my own hand writing why dont I have this why that I have that I have sent documents with this complaint that I have thats involved. I have been through HARP COUNSELING, they also say I should be approved. I believe Rushmore Loan Management is trying to force me even being on XXXX through my employer out my Home for my Wife and Kids. I am sick and now that things are on track financially I can start to recover my life back. Even though I have XXXX XXXX XXXX that should not be a reason to discrminate me on being able to keep my home I do not want to lose to foreclosure. Over a year Rushmore has been stringing me along to raise the dept to make it hard to get approved for help to keep my home. They have lied to me on numerous occasions. Please help me and my family stay in our home. God Bless you.
Product: Credit card or prepaid card

On XX/XX/2021, I sent a letter to Wells Fargo in regards of an account being reported to the credit bureaus where they are reporting different numbers than my records. but they sent me a letter without the whole number that I requested. 
I wanted to know if the account was sold, and if so to whom. I sent a follow up letter on XX/XX/2021 and it was ignored.
Product: Checking or savings account

On XX/XX/2021, I received an email that my email has been used to open a Chime checking account. Although the email is mine, the account is under my husbands name. I have never heard of this bank and never have opened an account with them. I tried using password recovery with both the last 4 of my ssn and my husbands ssn and neither worked. The checking account is clearly made with someone elses stolen SSN. I tried emailing Chime customer service but they refuse to close the account without me sending them photos of my full Drivers License and Social Security card. I refused to do that stating that since I am not a customer with them, I dont feel comfortable handing over such personal information. They should be checking whether the social security numbers being used to open accounts with them match the names being used. They are clearly not doing this and encouraging identity thieves to use their institution. I have sent a total of 22 emails within the last 4 days trying to resolve this and each time a different customer service person responds, asks for more personal info and then I never hear from them again after I refuse to hand over that information. I need help to close this account and this bank should be fined for not doing any due diligence when new accounts are being opened.
Product: Debt collection

This debt collection law firm, sue me and won the case. My wages were garnished for 1 1/2 years, I believed ending in XXXX 2016. On XXXX XXXX, 2016 my wage garnishment started up again. I contact my employer and they said that it was sent a letter of an adjustment of my balance. The total amount that I owe in the lawsuit was {$10000.00} and my employer said that it was the same company that is taking the garnishment again. I contacted the XXXX XXXX XXXX and I was told that it was fees and that my employer may have thought they have collected the total amount. I asked them what the amount was for and they just told me fees. The original amount of the lawsuit was paid off and they are now collecting more money for fees that was not on the original lawsuit amount and did not sent me notice or information on these additional fees of {$1000.00}. I have try to contact them and leave messages, but they have not contact me back. I have originally talk to representative name XXXX regarding the situation. He told me to call my employer about the start up on the garnishment, but my employer said that it was XXXX XXXX XXXX that reissue that paperwork to my employer. I believe they are illegally charging fees on top of fees that are out side the lawsuit that was paid out. I have not contact a lawyer, but would like my money back for the garnishment they are taking out of fees that they did not disclosed to me. I believe if they are doing this illegally to me that they are doing this to other consumers.
Product: Debt collection

XXXX    XXXX   XXXX   : Amount : {$4900.00} I had called before and closed the account and made payments arrangements on the account faithfully! That was probably sometime in  XXXX . I made all payments as agreed on the closed  XXXX   XXXX   XXXX  which they have agreed to.     Then in  XXXX   XXXX  ; I had to have   XXXX   XXXX    XXXX  and had complications ; so I was out of work for at least  two ( 2 )  months ; and had reduced pay ; so I was not able to pay the amount owed ; I called them at least three times to discuss ; and the collection agents were not negotiable at all and said I had to pay the whole amount. I told them I could not and they said well you have to pay. I tried to negotiate a lower payment and they did not want to listen and they were just rude agents. Their tactics were not good. I tried to pay like {$25.00} toward the bill and they would not agree. They basically hung the telephone up on me!     They are suing me now ; which I do not think is right ;  XXXX  is in Bankruptcy Court and they are having financial problems so they should work with their clients also in this situation as they know financial troubles also.  XXXX  is who the  XXXX   XXXX  was affiliated with.     I would like to pay {$25.00} per month on this bill as I am attempting to do something. I do not want to go to court or be sued or garnished wages in this endeavor.     Any assistance or counsel you can give in this matter with   XXXX   will be greatly appreciated!!!      XXXX   XXXX   XXXX  XXXX  XXXX  For  XXXX   XXXX  - Debtor
Product: Credit reporting or other personal consumer reports

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error 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

On XXXX  unauthorized inquires was discovered on my Equifax credit report. When I contacted the creditors Burau listed above, they said " they can't remove the inquires. And said there are no such accounts or inquires on my report.
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 : 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 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 has violated my rights. 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. has violated my rights. 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. I am writing to dispute an unauthorized inquiry on my credit report. Im requesting a copy of the original contract of the debt in question. I never signed to have permission to have personal information it states this is a violation of the FCRA 15 usc 1681 ( 1 ) which states they have to have accurate credit reporting ( 3 ) credit reporting agencies assumed a vital role in assembling and evaluating credit reporting Also as a consumer you have the right to privacy, you are violating my rights because I never gave your company permission or written consent to have my person information. Im requesting Cease and dismiss and cut off all communications. Reporting information on my credit report is a form of communication.
Product: Debt or credit management

Lexington law has charged hundreds of dollars extra for things I never asked for.
Product: Debt collection

I am not responsible for the debt owed to XXXX for {$300.00} I did not sign a contract with Jefferson capital system
Product: Credit reporting, credit repair services, 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 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 has violated my rights.

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.
Product: Debt collection

I got a letter in the mail today from Linebarger Goggin Blair & Sampson LLP regarding a debt I do not owe, from a state I've never been too. This is malicious spam, I saw from my XXXX search they are repeat offenders. They collected my personal information in order to target me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a notification on XX/XX/21 advising that my First Investors Account was showing 30 days past due with a XXXX balance. 

I traded in the vehicle on XX/XX/21 and the loan was paid in full by my new lienholder 10 days later. The account status updated to paid in full and closed about 2-3 weeks ago, now the creditor is reporting a 30 days past due on my credit file for an account that has been satisfied in full and closed.
Product: Debt collection

Used XXXX XXXX as an internet service provider. XXXX XXXX failed to complete an automatic withdrawal for bill pay. I paid them manually after their mistake. They are now attempting to collect a service fee through a debt collector. Debt is not valid. Service is no longer active, as I cancelled it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Equifax to fix and correct the errors on my report. I have contacted the compaines that are reporting the Inquiries and they have told me to contact Equifax. Equifax has been so rude and not understanding. They told me to get a police report, I told them no. I'm asking again before I get the attorney involved, please removed all Inquiries from the following companies- XXXX XXXX XXXX XXXX  ( This is on my credit XXXX times ) XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV FUNDING is attempting to collect on a debt that I do not owe. I was never aware that I had this debt. I did not receive any phone calls, or anything in the mail about the debt. I notice this debt recently when I pulled my credit. I immediately took the initiative to call & & pay the debt. I am demanding that they stop reporting this debt on my credit file.I do not owe the debt, and they are also in violation of my 30 day right to dispute, per the FCRA.
Product: Debt collection

PORTFOLIO RECOVERY A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX has been reporting on my credit reports for several months. I have tried to dispute matter with them several times and have not had any luck. Not only is this company NOT LICENSED in the state of Michigan ( see attached ) but at the time they say the debt occurred I was a minor. They have been illegally reporting delinquent information to the credit bureaus, I am asking for all info to be deleted. i do not have a signed contract nor any contract with Portfolio Recovery A. I have never done business with this company and no validation has been received by the credit bureaus as proof of this.Again this company is not licensed to collect in the state of Michigan. I have researched this and provided proof to them as well as attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letter for each credit Buerau to send me verification that the negative accounts on my report and all the hard iquries that I did n't not authorize to be removed it has been more than 60 days XXXX is reporting frontier it 's not mines I ca n't utilize that service in my area, XXXX and transunion are reporting late payment for XXXX XXXX never late please correct or show me verification, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all need to be removed it has been going on months with no prove or validation that these accounts belong to me or the hard inquiries I 'm going to contact the BBB NEXT and than sue
Product: Debt collection

i have repeatly called and sent dispute letters to all 3 credit bureaus, XXXX XXXX, Equifax, about my compromised credit file. The credit file that suppose to be in my name is in someone else 's name. My name is XXXX XXXX XXXX. XXXX XXXX XXXX is the name that was on my credit file. As you will see on my documents the bureaus have me down as better know as XXXX XXXX XXXX. I have never in my life went by that name. And in other documents including my Lic. You will see the correct spelling of my name. As this matter has been damaging my credit as well my character. i would like to have the these items fully removed from all 3 credit bureaus immediately.
Product: Credit reporting or other personal consumer reports

I identified a fraudulent credit card account and address on my credit report that I did not open, authorize, or use. This is a clear case of identity theft. I have never applied for or activated this account, and it was created without my consent or knowledge. Upon discovering the unauthorized account, I immediately filed an identity theft report with the Federal Trade Commission ( FTC ) and reported the issue to my local law enforcement, as mandated by the FCRA.

I have provided the credit bureaus with a copy of my Identity Theft Affidavit, as well as the police report, which under Section 605B of the FCRA, requires the credit bureaus to block any fraudulent information related to identity theft from my credit report. Additionally, under Section 611 of the FCRA, I have disputed the accuracy of the information regarding this fraudulent account, and I expect the credit bureaus to follow their legal obligation to conduct a proper investigation within 4 days.

Per Section 609 ( e ) of the FCRA, the credit card issuer is also required to provide me with records of the fraudulent account, which I will use to further verify my claim. According to the FCRA, failure to remove this account would constitute a violation of my rights under federal law, as credit bureaus must delete or block any information that has been confirmed as a result of identity theft.

Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTA ), I requested that the credit bureaus place an extended fraud alert on my file to prevent further damage. The fraudulent account is negatively impacting my credit standing and causing financial harm, which is a direct violation of my rights as outlined in the FCRA.