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

I already filed Fraud Report over year and half ago these bureaus Equifax and XXXX I know for fact were aware and yet still reporting false account XXXX XXXX that was not opened by myself or anyone to my permission.. This needs to be properly removed as XXXX was only one to correct
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX XXXX  XXXX They are unable to verify the account and requested contact the bureau to delete the item
Product: Debt collection

National Credit Systems reports on my credit report that I owe XXXX XXXX XXXX. I asked for validation and they sent me a contract with the 6th line a date from 2013 and a different rental agency than what's stated on my report. I believe this paperwork was copied and pasted. It also doesn't have an itemized list on the paperwork. This company was unable to validate their account so should be deleted immediately from my report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information, accounts and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : Experian XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$24000.00} US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance Owed : {$300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance Owed : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$24000.00} US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance Owed : {$300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$140.00} -- -- -- -- -- -- -- XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$24000.00} US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XXXX contacted my husband whom I was not married to at the time that I had the credit card. I have paid this debt and it is over 10 years old. I have repeatedly told them this over an over. They are threatening me to come to my job and they are verbally abusive on the phone. 
I have told them over and over that this was taken care of years ago and now they are harassing my husband who I've only been married to for less then a year. They repeatedly call and make accusations. 
I am tired of trying to be nice with rude, disrespectful, XXXX ppl who yell and cuss at me. 
Please stop call me I have told them if they think its mine to send it to me in the mail but to not call me anymore. Yet, they call from multiple numbers and it's the same thing over and over.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX - XX/XX/year>. Multiple calls were made attempting to get assistance to make a payment. A call was necessary because I needed the payoff amount. I could not get through to an agent and was met with an automated message saying no one was available. It was obvious they were having system issues. I called a few times. As a result BMW has reported my account delinquent. This would not have occurred if their phones were operational. I am also currently experiencing an issue with making a payment with my debit card and that is also failing. I will be emailing a screenshot to web services regarding this. This complaint is only in reference to XXXX, which I have also confirmed with an Agent that BMW was experiencing phone issues on or around that time. The fact that I mentioned this in a Message in the online portal and BMW still chose to report this as late is unacceptable. I ask that you remove this ASAP. 
BMW has been never helpful in removing lates even as a courtesy, or due to covid. In this case this is your fault.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at XXXX XXXX XXXX XXXX and XXXX XXXX , I am writing to formally demand that the credit bureaus XXXX XXXX XXXX XXXX  and XXXX XXXX  update to accurately reflect the resolution of the following accounts : Account ending in XXXX ( XXXX XXXX XXXX XXXX ) : This account was settled in full under the terms of an agreement negotiated through XXXX XXXX. As such, I demand that its status be updated with all three major credit reporting agencies ( Experian, XXXX, and XXXX ) to reflect either " Paid in Full '' or an equivalent resolution, and that any reference to " charge-off '' be removed immediately. 

Account ending in XXXX ( XXXX XXXX  ) : This account is under a settlement agreement with installment payments, which I am fulfilling as agreed. The charge-off description is inaccurate and must be removed to accurately reflect the current resolution status. 

Despite fulfilling my obligations under the negotiated settlements, these accounts continue to reflect inaccurately on my credit profile, causing undue harm. This failure to update and ensure accurate reporting violates the Fair Credit Reporting Act ( FCRA ). Under the FCRA, as well as guidance enforced by the Consumer Financial Protection Bureau ( CFPB ), creditors are legally obligated to provide credit reporting agencies with accurate and up-to-date information.
Product: Credit reporting or other personal consumer reports

I have sent all three of the credit reporting agencies and XXXX XXXX XXXX, a letter requesting validation of the debt letter Under XXXX XXXX XXXX ( c ) and XXXX XXXX ( a ). I have sent XXXX, Equifax, and XXXX letters asking to validate the debt, not by simplifying accepting codes ; I request that the XXXX XXXX XXXX verify them. I have also mailed XXXX Resorts a letter, which was signed and dated XX/XX/23, and I have not received any validation letter within 30 days. I have sent proof to XXXX and Equifax showing evidence that the company has not validated any debt or sent me anything in writing. Both credit reporting agencies only sent me a code request for the XXXX time. The law clearly states that 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general, subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file by paragraph ( XXXX ), before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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 shall ( i ) 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. 
You are now notified that you have violated 15 USC 1681i, and this account should be deleted immediately ; the credit reporting agencies are not following the law given to the consumer or creditors to abide by.
Product: Mortgage

This complaint is against Wells Fargo. Our mother passed away on XX/XX/XXXX. Payments were made until hurricane Katria in XX/XX/XXXX. The  loan is currently in foreclosure and is being handled by XXXX XXXX.  The Lis Pendens was filed on XX/XX/XXXX and my siblings and I were served on XX/XX/XXXX. On XX/XX/XXXX I contacted the law firm and requested reinstatement figures good thru XX/XX/XXXX. On XX/XX/XXXX i received a reply from the law firm stating they would escalate the matter and contact Wells Fargo. On XX/XX/XXXX I received another email from atty office, stating figures come from Wells Fargo. I immediately made contact with Wells Fargo and was told they did not have permission to speak with me or any of my siblings. I explained to the rep that my name as well as my siblings are listed as an interested party in the Lis Pendens, which she stated she did not see and asked that I fax the document to her. She state there was a list of questions that she needed to ask me ; I completed the questions via phone. I faxed her a copy of the Lis Pendens on XX/XX/XXXX. I called on XX/XX/XXXX to f/u on the status of the reinstatement figures, was told to allow more time. Rcvd letter from Wells Fargo dated XX/XX/XXXXagain stating to allow more time. As of today no figures, atty fees are accruing when we would have liked to reinstate the loan by XX/XX/XXXX. While i understand Wells Fargo has their protocol to follow before releasing info, they accepted payments knowing our mother was deceased and now that we want to reinstate they are not releasing information. The unnecessary additional attorney fees and cost should not be on us as we have made every attempt to obtain reinstatement figures. Please help us obtain reinstatement figures to save our mother 's home. We have a sister that has moved from XXXX as of XX/XX/XXXX and is currently living in the property. Our desire is to keep the property.
Product: Credit reporting, credit repair services, 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 XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXXXXXX 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 reportina agency mav make an consumer report containina an of the followina 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 ( AX1 ) A person shall not furnish anv information relating to a consumer to anv consumer reportina agencv if the person knows or has reasonable cause to belleve that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

i only authorize for XXXX auto company to run my credit which was XXXX XXXX XXXX XXXX XXXX, 2023 ). However, there is multiple auto loan that ran my credit without my permission, they are listed below. 
XXXXXXXX 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

In XXXX 2014 there was several accounts started in my name without my consent. one was with XXXX XXXX {$10000.00} second with XXXX XXXX {$29000.00} third with Suntrust {$12000.00} and XXXX XXXX XXXX  {$11000.00}
Product: Payday loan, title loan, personal loan, or advance loan

I have asked on numerous occasions for an itemized/detailed summary of my account from the creation date ( approx. XX/XX/year> ) to current date. I am requesting this information because there are XXXX separate accounts being reported, but my loan should be satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters on XX/XX/2022 and again on XX/XX/2022, with no response from either consumer reporting agency ( Experian, XXXX, or XXXX. ) Also, I have called these agencies and the representatives have been unwilling and unable to assist me with removing these erroneous items from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaints with all three credit Bureau 's and the investigation took over 30 days.
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 XXXX financial loss XXXX and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I was contacted by multiple unsolicited lenders after putting in information with XXXX XXXX to compare my loan rates that I had started with XXXX Mortgage. XXXX XXXXXXXX XXXX was one of those companies, represented by XXXX XXXX. He proceeded to ask me questions and I asked was this a recorded line as he stated. I asked if it was possible to run a soft inquiry to prevent from hurting my credit any further, as XXXXXXXX XXXX XXXXXXXX stated that they were able to. XXXX XXXX proceed by saying no they can not run a soft inquiry. At that time I requested that XXXX XXXX XXXX Do Not run my credit. Two days later I got an alert that XXXX XXXXXXXX XXXX  ran an unauthorized hard inquiry against my consent. I contacted XXXX to file a complaint online contesting the inquiry and attempted to contact XXXX online but wasnt successful in logging in or vice versa on XX/XX/2023. I contacted the company directly after receiving another call at XXXXXXXX XXXX from another representative from XXXX XXXXXXXX XXXX  soliciting information. I informed this representative XXXX XXXX who claimed to help provide answers but instead I received information in email regarding an unauthorized account that needed activation. I called XXXX XXXXXXXX XXXX directly to ask that they provide me a copy of my authorization to run my credit because it wasnt given. After listening to the customer service representative and not getting any answers or results in my request, who claimed to help me file my complaint with her company, prompted me to file an official complaint here.
Product: Credit card

In XX/XX/XXXX, I purchased a mattress from XXXX XXXX, financing it under what the salesperson explicitly assured me was a fixed, interest-free monthly payment plan. She also told me Id receive account setup details from Synchrony Bank within a few days, allowing me to enroll in auto-payjust as I had successfully done with a previous mattress purchase. 

After months of noticing that my payments barely reduced the balance, I was shocked to find that I now owed more than the original purchase price. When I called customer service, they explained to me that the interest-free offer was actually a deferred interest scheme, with retroactive interest applied after 12 months. My balance jumped from {$2100.00} in XX/XX/XXXX to {$3100.00} in XX/XX/XXXX. Worse, when setting up my payments, the system initially provided only two options : pay the full balance or make a XXXX XXXX  monthly paymentan amount too low to avoid interest charges. Because of this deceptive setup, the company claimed I had violated the contract terms and began charging excessive interest, including backdated fees from the first year. It goes without saying that these terms were never disclosed to me. On the contrary, I was explicitly given different information about the purchase and financing plan. 

This predatory practice misleads good-faith consumers, trapping them in unexpected debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit pulled and noticed that only 2 of the 3 major credit bureaus were reporting scores for me. XXXX and XXXX had no problem pulling up my accounts however, Experian is not reporting on my credit file. I thought that maybe there was a freeze on it so I gave them a call but they could not find such a thing. I was very confused because no one could tell me what was going on. Experian needs to report my accounts! I am in the middle of trying to buy a home and for the life of me I can not get anyone with Experian to give me any answers. My scores must report immediately, I have accounts open that should be reporting and they must provide me with a score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was confused about some reporting on my credit reports among the 3 bureaus. None of it was consistent so I sent letters to the original creditor, and I copied all three bureaus with my concerns. 

XXXX responded by removing missed payments from my report, but LOWERING MY SCORE XXXX points! XXXX responded by denying the dispute although I asked for clarification from my original creditor, not the debt holder. 

I also sent a letter asking that all addresses and phone numbers be removed from my report, and that has yet to happen. The addresses and phone numbers I do not recognize, and I provided my updated information. 

Upon further investigation, I learned that the reporting is NOT Metro 2 compliant. Which explains my confusion.
Product: Checking or savings account

I tried to transfer money from my Chase bank account to my XXXX XXXX  account. I had to set up an external transfer since I didn't have one before. Once everything was set up, I transferred {$5.00} from Chase to XXXX on XX/XX/2020 to see if the account has been set up correctly. Everything looked fine, so I transferred {$1900.00} on XX/XX/2020 from Chase to XXXX again. XXXX showed they received {$1900.00} on XX/XX/2020. Per Chase 's request, I had to go to a Chase branch in person to make this transaction happen, which I did. Chase told me the verification had been done and the transaction should be complete in a couple of days. Somehow my XXXX account was deducted {$1900.00} ( including {$5.00} transferred on XX/XX/2020 ) by Chase? The transaction was never made!! 

For a very simple transaction Chase made is super hard and helpless!! I went to a Chase branch they told me it may take some time to see the transaction because of Covid-19. I called Chase customer service and they told me the transaction had been completed from their end and nothing they can do about it. They told me to call XXXX instead. ( I had to hold my phone call for long time and they transferred me to different dept and NO one could give me the right answer ). I called XXXX they told me Chase who is the one took out the money from, I should talk to Chase!! They both kick me like a ball and they can't help. 

I have filed a dispute with XXXX. I have not heard anything.
Product: Credit card

The creditor TD Bank USA/Target Credit is reporting an incorrect first delinquency date on my XXXX report. This account has aged off on both of my XXXX and XXXX reports. I have tried disputing it a few time through XXXX but the account keeps returning that the information was verified and belongs to me. I have also spoke with reps from XXXX dispute department trying to explain to them that the account is reporting the wrong date and should of aged off my credit report. The only feedback I get from them is to contact the creditor direct. So I called TD Bank/Target today and spoke with a rep from their corporate headquarters that deals with credit accounts. She advised me that this account no longer has any history with their department and to dispute it. I stated to her that I have disputed the account a few times and that someone in her company is verifying the information as being correct. Then I requested if I could have her send me a letter stating that the account no longer has history, so I could use it to submit to XXXX, ; she refused. Then I asked her how is it that you are claiming there is no history available on this account but yet some how its being verified. She could not answer the question. So I politely asked if I could speak to a supervisor that deals with the credit agency disputes and she got nasty and told me she must release this phone call and good luck. 
By Law this account should of aged off after 7 years of reporting and it has n't due to TD Bank/Target reporting false information.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX bankruptcy # XXXX XXXXXXXX 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 Must be deleted immediately
Product: Debt collection

Still pending. It states the projected completion date is XX/XX/XXXX, XXXX My XX/XX/XXXXreport is in dept for XXXX which I am aware because they mailed me a resolve this debt for less but it isn't my debt.. Fraudulent and would like to be compensated {$1000.00} for violation.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX