23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Check Into Cash in XXXX California has breached their contract with me. In regards to the contract for an Installation Loan I took out with them, I agreed to pay {$170.00} bi-weekly on my pay day. Check into Cash withdrew {$170.00} on XXXX XXXX 2017 which was authorized. The following week, XXXX XXXX, they withdrew another # XXXX which was not authorized because I do n't get paid on the XXXX week in the month. the manager name XXXX has my file that includes my pay stub and my pay day weeks. After several phone call, on Wednesday, XXXX XXXX the Manager told me she would " look '' into it and that it was " sitting on her desk ''. She agreed to get back to me. I never received that phone call so I continued to call her in regards to this issue. She agreed that the withdrawal was a mistake and was n't sure how it happened and will call back. When I did n't get a call back, I waited until the following day to contact them but she was NOT in the office. I spoke to someone who claimed to be the Assistant Manager but would not give me her name. I 've spoken to her twice and she has been very rude and avoiding the issue. I 'm still waiting on my phone call back from her to give me resolve on this matter. My fear is that Check Into Cash - XXXX California will try to take another {$170.00} from my bank account on Wednesday, XXXX XXXX ( which is my pay day ) However, this would be unfair as a consumer as they have already billed me twice. I do n't have a bank statement yet as it is too early and wo n't get one until next week. I am willing to provide it later in the process. I filed a complaint with my credit union - XXXX XXXX XXXX, the BBB. This company is taking advantage of hard working people trying to survive. Please, I ask that you help me in resolving this matter. I can be contacted via email and phone number. Thanks XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX
Product: Credit reporting

I discovered in XXXX 2014 that my social security number had been used to open various accounts and attempted to open other lines of credit ( i.e. Credit cards, checking accounts ). A XXXX utility bill and a XXXX internet cable bill were opening in my name, also a bank account through XXXX bank and XXXX Bank. The local police department contacted me and stated they had found a credit card, a duplicate of my driver 's license, and a XXXX bill in my ex husband 's ( who Ive been divorced from for XXXX years ) house while searching it on a warrant. I have been the victim of identity theft, the perpetrator has not been prosecuted although police reports have been filed. I have lost work wages trying to dispute and fix the issue while my credit is now ruined. I placed fraud alerts on my credit bureau accounts and disputed the fraudulent accounts. I have not received responses from any credit bureau and the fraudulent accounts are still on my report.
Product: Credit reporting

Last year ( XXXX XXXX when I pulled and reviewed my Experian credit report I noticed that a new address had been added that I have never lived at. The address is in Georgia. I disputed the issue with Experian and was told by the representative that it would be removed. This year when I pulled and reviewed my Experian credit report I saw that the Georgia address was still there. I will attach copies of the pertinent sections of my Experian reports from XXXX, XXXX and XXXX.
Product: Debt collection

Hello, I received a notice of collection from XXXX XXXX XXXX XXXX / LVNV FUNDING on the date of XX/XX/2019. Im informing to all parties involved this account was a result of identify theft. This account has already been reviewed and removed by the original creditor XXXX XXXX XXXX. The account also has been removed by LVNV funding. LVNV FUNDING is in direct violation of the FCRA for attempting and also passing off a debt to another company and they are fully awhere this account is a result of fraud. If LVNV FUNDING attempts to contact me again in any form email, phone, mail. I will pursue all legal options against them and all parties involved. I also will be reporting this violation to the CFPB again. Thank you have a nice day.
Product: Debt collection

Portfolio Recovery recently has been calling me and mailing letters to my mothers address regarding a debt from XXXX XXXX. I reached out to this company via email on multi0le occasions furnishing them with a FTC letter pertaining to this fraudulent account. They have ignored the information given and continued to harass me with multiple daily phone calls and letters mailed to an address I have not used in over 25 years.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information 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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not read or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Checking or savings account

On XX/XX/2021 I had an alert come up on my phone to ask if I will authorize a transaction. I said no, and it went through. I have proof with a picture that I said no. 
I talked to them on XX/XX/XXXX, and a few times before that. They told me that its not always full proof. So now I dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

As shown in the attachment, I had two XXXX I was XXXX of way back in XXXX. I have waited 7 years for the grace period in Texas which blocks agencies from reporting any XXXX   more than 7 years old. I finally got a job I enjoy last year in XXXX and only because they were not able to see my XXXX, so I am not sure why Checkr went out of their way to report the records. I feel I am being treated unfairly and with great prejudice. Please reach out and try to have this corrected for me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

called bank of america and they agreed that on their end, i did not request for any credit but advised that i report it to the credit agencies
Product: Checking or savings account

I called Marcus by Goldman Sachs on XX/XX/XXXX because I changed my phone number and was unable to update it in the app. I offered to verify my identity with my email, passport, or other documents, but was told they needed my old phone number ( which I no longer have access to ) or an American driver 's license ( which I do not have ). They created a case and promised to call me within 3-7 business days, but I never received a call. 

On XX/XX/XXXX, I received an email stating that my phone number had been changed, which was incorrect as the old number remained. 

On XX/XX/XXXX, I called again after accidentally transferring {$3000.00} from my checking to my savings account, which drained my checking account. I tried to transfer the money back, but it was placed on hold. I was again asked to verify my identity using my old phone number, which I repeated that I no longer had access to. They created another case and again promised a call in 3-7 business days, which I never received. 

Today, on XX/XX/XXXX, I called again and was transferred between five different representatives. The last person informed me that a document had been emailed to me ( which I never received ) and to wait 7-10 business days. I am still unable to access my funds, and this situation has become an emergency as I currently have no access to my money. 

Thank you for your assistance.
Product: Mortgage

Last week on XXXX XXXX I paid off my HELOC loan in full sending a cashier 's check in the amount of {$18.00}. XXXX based on payoff figure provided by Ditech. I send XXXX by overnight mail. Tracking shows it was received on Tuesday XX/XX/2018. To date they have not applied my payment nor closed out the loan pursuant to the letter enclosed. I called. last Thursday and was told that by Friday it would show as paid off as of the date received. I waited until Friday and was told wait until Monday. I called today and was told by XXXX that they applied my payment to a dummy account and that she sees the check and sent an email to the appropriate department and wait three days and payment should be applied. I am tired of being given the run around. I will attach copies of proof of payment, mailing and receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please be advised that you and the company ( XXXX ) are currently in violation of Section 4021 of The CARES Act by negativity reporting this adverse payment information. 

Please see the attached document provided by the CFPB in regards to this issue. 

Per The CARES Act ( Section 4021 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days. Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishes from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic. 

I kindly request you remove this negative reporting information from the period XX/XX/2022, as this time frame falls within the protected time frame under Section 4021 and multiple calls, messages and chats were sent to you letting you know of my financial hardship due to COVID-19. Not only did you fail to provide me correspondence in response to my query, you also failed to notify me of the delay in payment after I was hospitalized XXXX XXXX XXXXXXXX. 


I have contacted you and the merchant regarding this violation and have not received a response regarding my complaint. 

I will be forced to take further action should you fail to update this information regarding the negative reporting during the protected time frame. 

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

In accordance with the Fair credit Reporting act XXXX Acct # XXXX in the amount of {$680.00} 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: 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.

Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was limited to options in selecting my dispute and complaint I am submitting. To clarify there is a bank " XXXX XXXX XXXX XXXX '' that is reporting a loan I had with them as Chapter XXXX Bankruptcy ... ..I 've never filed for chapter XXXX nor chapter XXXX bankruptcy and this information reporting is false and untrue. I have been disputing this with the credit reporting agency 's but need to wait at least 30 days before the disputes are finanlized. In the meantime my credit score is low because this remark is reporting. I 've tried to rectify and have this false information removed off my credit reports but to no avail. XXXX XXXX XXXX XXXX should not have reported that I did chapter XXXX. I am submitting this complaint because it is ruining my credit score with this false information and I want that remark removed off my credit reports. I am going to submit this complaint because XXXX XXXX XXXX XXXX XXXX is not listed to receive complaints. I am in hopes that CFPB could assist me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX XXXX. My date of birth is XX/XX/XXXX. I am currently Self Employed XXXX XXXX XXXX XXXX My current and only address XXXX XXXX XXXX, XXXX, OH XXXX the following addresses are not mine please delete them. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing an account as in collection with XXXX management Company. 
When I checked for more information on their site concerning this account it showed XXXX XXXX Account open Account settled for less than amount owed. 
According to the information available on Equifax site XXXX should have reported the account was settled and closed but for a lesser amount than owed. Then the collection should have been removed from my report and XXXX points applied to my score. I did check the other Credit reporting agencies and this account was reported settled and removed as a collection owed. 
Not sure why Equifax didn't. I would of thought with a XXXX balance it would seem the account had been satisfied. XXXX should of reported the account closed when I paid the agreed settlement amount. There were wrongs on both sides. However, I am the one that was affected by the lack of correct reporting. 
Hopefully you will be able to correct the errors. Thank you,
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

The items in dispute are as follows : Inquiries XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Late Payment : 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
Product: Debt collection

I received a notification from XXXX XXXX about new collection added to my account I viewed my XXXX XXXX report and seen a collection company I had no knowledge of I disputed this collection account several times having no knowledge of this account or ever having service with the collection company and was told company has contacted me and spoke with me and I agreed to pay which is false and incorrect information I never received anything from this company or spoken with anyone the it was multiple attempts to illegally garnish my social security account without informing me
Product: Vehicle loan or lease

I have a car loan from Ford, and they are currently violating UCC codes 1692 d, and specifically 1692 f ( 6 ) by sending a tow truck driver to my sons house on Thursday, XX/XX/2022, to repossess my vehicle. More detail : My grandchildren saw an unknown man on their property looking into their personal vehicles through windows and violating their privacy and sense of security ( XX/XX/2022 ), knocked on the front door and spoke with my son 's mother-in-law. This unknown man asked if she knew me ( he spoke my name ). So, they are trying to harass me and my son, by taking this/ these actions ( UCC 1692 d ). 

This company also somehow located my unlisted new residential address, which I have not divulged to anyone but the XXXX XXXX, my bank, and my son. How did they obtain this address? They proceeded to affix a bright yellow notice on the doorknob of the front door of my residence, in an attempt to shame me among my neighbors and friends with its bright yellow color, details about my vehicle loan, and a case number. All of this info, including my first and last name written out out in large print, were open to public view, with an eye-catching bright yellow colored background. 1692 d I also sent a payment, tendering a negotiable instrument ( UCC 3-104 ) in the full amount of the remaining loan, as of XX/XX/2022. I am protected under UCC codes 3-306 ( Claims ), 3-311 ( a ) + ( d ) ( Claim is discharged ), 3-603 ( no further interest after date of this payment ), and finally, 3-602 ( payment ).

They have not returned this negotiable instrument, so have accepted it. 

Please help.
Product: Money transfer, virtual currency, or money service

On day XXXX XXXX (? ) I attempted to move a portion of my {$26000.00} XXXX account to my personal wallet. I got a message that I was limited to {$1500.00}. Upon trying to transfer that amount I was denied service ... for XXXX days " investigation. '' The next company contact I completed XXXX procedures again..but was put off over the weekend ie several more days. Today I spoke with an agent... who verbally confirmed my personal info. 
I was told that the info was non compliant ... when I questioned how I was hustled off the call. I just talked to a XXXX agent... who put me off another " few days '' to learn additional security " measures '' that I might need to comply with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request to remove the unverified accounts listed below that remain on my credit report in violation of XXXX U.S.C. XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, us bankruptcy court XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX. Equifax results say that my disputes were verified and updated. However they have not supply to me the verification documents that I have requested that they used to verify these accounts which is my right under the fair credit reporting Act.
Product: Credit card or prepaid card

This is a secured credit card with capital one, all my funds were on this card. During 2020, credits by a merchant were made to my balance and instead of capital one returning this money to me they decided to increase my secured balance from originally {$840.00} and it increased due to the credits to {$1300.00}. This card is now closed. Capital one returned only the original {$840.00} I gave them when I opened the account but not the remaining {$450.00} they are holding hostage of my own money. To exacerbate matters, they are charging me overdraft and interest charges on my own money. I have called numerous times and sent letters to XXXX XXXX, not one letter was responded to. The representatives just respond it will be returned in the interim, I keep receiving charge after charge for my own money I gave them and trusted them with for my secured card to build credit with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX : {$75.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$1700.00} ; XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX