23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It appears EQUIFAX is using Unfair & Deceptive Business practices to justify their Willful Non-Compliance of Regulation V 1022.142 ( e ) ( 4 ) as they continues to send out automated responses requesting " Victims Determination Documentation '' in which they are already in possession of. I am making a last and final attempt to resolve this issue amicably outside of court. All documents including but not limited to the " Victims Determination Documentation '' has been mailed by Notary Presentment and is also being [ ATTACHED ] to this complaint. EQUIFAX 's failure to comply will result in further legal action being taken against them.
Product: Credit reporting or other personal consumer reports

For a few months I have been in contact with XXXX and XXXX about not reporting a debt that I had yet to pay off on my report. Although they never officially validated my debt, I now have paid off the debt and i need that paid in full fulfillment to reflect on my credit report. Experian has recently deleted the debt entirely but I need it to show PAID IN FULL on my credit report now. I have the letters from both companies that reflect and show that I have paid off the debt.
Product: Mortgage

I have sent XXXX letters to XXXX XXXX servicing requesting them to file for the excess funds available at the XXXX XXXX Tax accessors office. I paid the redemption fee and interest in order to prevent foreclosure. A XXXX claim deed was filed in XXXX XXXX releasing the tax sale purchaser from claim to property. Last letter, XXXX XXXX, 2022 including all documents for them to file claim. 
Loan number To collect the remainder of the funds, PHH as the secure interest holder must make claim and settle security deed. 
I spoke with PHH representative of XXXX XXXX, 2022. He stated the PHH attorneys only had to pay the payoff quote. I explained, " Excess funds are subject to priority claim by mortgagee or security interest her. The record owner of the property at the time of a tax sale may claim the overage only if the property is not encumbered by a mortgage or lie, or if there are fund remaining after the mortgagee has satisfied security claim. '' All I am asking after XXXX plus months of attempting resolution is for PHH to make claim and satisfy security deed. 
There is in excess of {$170000.00} available. Security deed will be satisfied by less than {$56000.00}. 
Can you please assist? 
Loan # XXXX XXXX XXXX XXXX XXXX XXXX. GA XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Debt collection

Before moving out of the country, I went to the XXXX  store and paid my account in full, closed the account, unlocked my phone to use overseas and even bought a new phone and had it unlocked immediately, now they are saying i owe them {$340.00}. They would not have unlocked my phones unless the account was paid! 

now they have Southwest Credit reporting a collections, but southwest credit does not have my account but they are still defaming my charecter!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a misleading lying organization. I was instructed to mail a payment paying overnight to lower the balance listed on the account. Only to be told that now they have transferred the account yet again to a business partner and neither entity can access the account as I am constantly being told that I will receive a callback or to call the next day. The check I mailed was cashed by Toyota Financial Services. So now I am out of money and the balance on the account has not been lowered nor has the balance been reflected the respective credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX, FactorTrust, & XXXX continues to report information on me even when I specifically asked them not too. You are a reseller of consumer data information. The problem is you do not have authority or permission. I demand you remove any misspellings of my name or address that is incorrect. My name is XXXX XXXX and my address is XXXX XXXX  XXXX XXXX XXXX, MI XXXX remove any other information that is not mine.
Product: Money transfer, virtual currency, or money service

I Am Filing A Complaint Against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving 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 card

My wallet was stolen and someone opened a credit card under my name. 
I have reported this to Chase but they still havent cleared up the matter. 
I have asked for a copy of the transaction and they are refusing to provide them to me.
Product: Credit reporting or other personal consumer reports

i am filling this FTC identity affidavit to report 2 separate fraudulent accounts appearing on my consumer fico credit report that i dont recognize as reported and which are the results of identity theft and fraud. these fraudulent accounts consist of personal credit card around may account opend with XXXX XXXX XXXX  on XX/XX/year> XXXX These accounts have resulted in hard inquiries on my consumer credit profile. I demand that aforementioned fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights with in the FCRA and FDCPA laws.
Product: Debt collection

Pressler and Pressler Collection Agency has been collecting monies on a debt way longer than they should. They received the debt plus plenty of interest to date. This case should be closed.
Product: Credit card

I spoke to Bank of America and XXXX in the fraud department. Somebody had attempted to open a fraudulent account, but we caught it in the early stages. They classify this is a third-party fraud. The account has been shut down and credit score companies have been alerted so they can remove this from my credit.
Product: Credit reporting or other personal consumer reports

Subject : Deletion of Unauthorized Credit Inquiry SANTANDER CONSUMER USA I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX, XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge. 

The inquiry was made on XXXX, XXXX and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry. 

I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any applications or securities in your possession.

Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, is reporting to the three ( 3 ) credit bureaus a late monthly payment on a consumer loan that was related to a title loan on a XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX is in violation of 15 U.S. Code 1637 of the Truth-in-Lending Act requires that creditors provide notice of late payment consequences for open-end consumer credit plans : Late payment notice If a late payment could increase the annual percentage rate ( APR ), the creditor must include a conspicuous notice of this fact and the applicable penalty APR on the account statement. 
Payment date The date a payment is made at a branch or office of the creditor is considered the payment date for the purpose of determining late fees. 
Payment delivery Creditors must ensure that periodic statements are delivered to consumers at least 21 days before the payment due date. 
As the purpose of Title 15 USC is to protect consumers from unfair credit practices and billing, and to strengthen competition among financial institutions. 

The item in question is being reported by XXXX XXXX to all three credit bureaus and having a detrimental impact on my overall credit report and score.
Product: Debt collection

Collection agency name Convergent outsourcing Inc. supposedly a credit card was opened at the first premier bank card which I have also contacted and fax them. This account was never opened in the first place theyre saying that it was open XX/XX/2018 this is the first bill weve ever received. The amount was {$450.00} and now Old {$750.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report & noticed some hard inquires i don't recognize I have filed a complain once and noticed that these did not get deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent the letter regarding an accurate and unknown things on my credit report. To this day over 32 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove those items From my credit report it has been over 32 days and counting so they should be deleted promptly. I demand these accounts be delete it immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Payday loan, title loan, or personal loan

XX/XX/2019 Called Credit Acceptance to request monthly statements that would show a breakdown of what portion of my monthly payments go to principal and what portion goes to interest. Was told that because my loan was a " Compound Loan '' they could not provide me with a monthly statement showing these break-downs.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had several inaccuracies on my account. Please remove this account from my report. It is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXXXXXX
Product: Checking or savings account

i was scammed out of my money overseas. at first they could only take card but then claimed their card reader did not work and eventually accepted cash.. to traveling internationally my phone service was inactive so i was unaware of the {$350.00} charge from my account. once i made it to the states i noticed the charge, tried to dispute it even uploaded evidence of the merchants admitting fault
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts from my credit report with Experian, XXXX, and XXXX, which is in the police report that is attached to this complaint, but they have re-inserted back on my credit report without notifying me within the 5 days reinsertion rule, which the credit bureau violated the fair credit reporting act and is in violation. Also, this is a fraudulent account and I have a police report to block this information. My next thing is filing a lawsuit and retaining and filing a complaint with the Attorney General and the Consumer Protection Bureau. Please correct this immediately. A police report is attached to this complaint with the fraudulent items listed.
Product: Debt collection

This company is a holder of my debt, I have answered the phone and he was white noise on the other side of the line. I stayed connected for 38 secs saying hello and pushing buttons, the call disconnected. I called back after interrupting my day and ask why I was being called with attitude since they didn't want to speak on the initial call, the rep hung up on me. I called back again and had to explain that I wanted a manager and did not want to speak to anyone else until I reached XXXX, a " manager '' who had no care about hearing the issue from the other representatives or how I was treated, just politely gave me the full name and address of the company, I informed him I would send an FTC complaint, he hung up on me.
Product: Debt collection

XXXX XXXX XX/XX/2017 Act. # XXXX {$6700.00} There is also a collection agency by the name of " MRS BPO LLC '' that is also trying to collect a debit at different amount. There are big discrepancies There is a soft pull on my credit file please delete this account from credit report.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection Status : Paid, Closed. 
Status updated : XXXX XXXX Original Balance : {$510.00} XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Open Account Status updated : XX/XX/XXXX Original Balance : {$1500.00} Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and explained to TransUnion that I did not authorize any inquiries on my credit. The representative for TransUnion was very unhelpful and I was transferred to the supervisor. They still did not take care of the negative inquiries reported on my credit report. I need these accounts deleted off my credit file. It is hindering my livelihood and I was not the one to authorize them. XXXX  and XXXX  deleted it with no problems, but TransUnion is the only company not cooperating. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. This is the account to be corrected of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX violated my consumer rights. A debt validation letter was sent to this company on XX/XX/2021. This company failed to provide any documents validating this alleged debt. Instead, they sold my personal information to another debt collector after receiving a cease and desist all collection activity letter. This company has harassed and sent threatening parcel to my residence without prior consent. This company has also threatened me with foreclosure on my home and that they would charge a late payment fee on an alleged debt I do not owe to them. I am the original creditor and my consumer rights has been violated. I have communicated with this company the they do not have consent from me to sell my personal information to anyone and that it would be a direct violation of identity theft if conducted. Listed below are all the violations : 15 USC 1692f : Unfair practices, 15 USC 1692e : False or misleading representations, 15 USC 1692d : Harassment or abuse, 15 USC 1692c : Communication in connection with debt collection, 15 USC 1692j : Furnishing certain deceptive forms, 15 USC 1692 : Congressional findings and declaration of purpose, 15 USC 1692k : Civil liability, 15 USC 1691e : Civil liability, 15 USC 1691c : Administrative enforcement, 15 USC 1691a : Definitions ; rules of construction, 1681s2. Responsibilities of furnishers of information to consumer reporting agencies, 15 USC 1681c : Requirements relating to information contained in consumer reports, 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a piece of furniture in XX/XX/2022 and financed it through a company named Koalafi. This company was paid in full for the merchandise and are still trying to say that I owe. I have contacted the company on several occasions in late 2022 and have spoken to a supervisor and nothing was resolved. This has impacted my credit score negatively and I am very upset and I unpleased with this merchant. They are continuously trying to take money out of my bank account after I told them they are not allowed to.
Product: Money transfer, virtual currency, or money service

I cant my link my debit card to paypal after 180days so i can withdraw my funds
Product: Debt collection

I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.
Product: Checking or savings account

On XX/XX/2023 I made a mobile deposit to my checking account.Citibank said they would hold the check a week or so until the check cleared.On XX/XX/XXXX the deposit cleared. The funds were not made available to me and access to my account was blocked and account frozen.I called citibank and they said they need to verify my identity via a letter through usps. The letter was to contain a reference # for verification.The letter never came.I have called and called. They have sent numerous other letters including two new debit cards, however, the letter with the code has not came. They say they sent a second letter but it naver came either.Today is XX/XX/2023, and I still do not have access to my paycheck and Citibank has no solution.They say without this letter, they can do nothing. They have stolen my money and I have no way of getting it back. Citibank says the reason for all this is because I opened an account online.When I opened the account I provided all the necessary information required by citibank including my social security number. Citibank failed to mention that there would be further verification before I could use the account.After all, they had no problem taking my deposit, didnt need verification to take my money.Please help me with a solution. Thanks for your time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Charge-Off Reporting Account Number : [ XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number XXXX - XXXX Account Number -- -- XXXX XXXX XXXXXXXX Account Number - XXXX - XXXX Account Number - XXXX - XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX - XXXX XXXX Account Number - XXXX - XXXX  Dear Sir/Madam, I am writing to formally dispute the charge-off reported on my credit report for the account listed above. According to the information I have received, this account has been inaccurately reported as a charge-off, which I believe is not correct. 
As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request that any inaccuracies or incomplete information on my credit report be corrected or removed. The charge-off reported does not accurately reflect the status of the account, and I believe it was either reported in error or is based on outdated information. 
I respectfully request that you investigate this matter under the guidelines set forth in the FCRA and remove the inaccurate charge-off from my credit report. Please take the following steps to resolve the issue : 1. Verification of the Charge-Off : Please confirm with the creditor or debt collector that the account was actually charged off, and provide documentation that proves this status.

2. Provide Evidence : If the account was reported incorrectly, kindly provide a copy of the documentation that shows the charge-off was inaccurate or mistaken.

3. Removal or Correction : If it is found that the charge-off is inaccurate, I request that the incorrect information be removed immediately from my credit report, as it is adversely affecting my credit score.

If you are unable to verify the accuracy of the charge-off or provide appropriate documentation, I ask that the entry be deleted from my credit report entirely. Please ensure that the necessary corrections are made promptly in compliance with the FCRA guidelines, specifically Section 611, which mandates that disputes must be resolved within XXXX days.
Product: Debt collection

1006.34 Notice for validation. This debt was put on my credit report without notice and I want to validate that the debt with a itemized bill to confirm amouts owed. I have no record of receiving any information regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER CONSUMER USA Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accordance with the Fair Credit Reporting act Convergent Account # 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 furnish a account without my written instructions.