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

Good Saturday everyone and the management team ; I'm shocked that this account is still reporting on my credit report as it's still reporting incomplete and unverifiable information. If this account " was '' indeed verified or investigated, why is it still reporting 2 different dates of last active ( XXXX : XX/XX/XXXX ; and Equifax : XX/XX/XXXX ). It's impossible to have those variations between the credit reporting agencies and also, why are their inconsistencies with the payment history. For example, it show 's that the payment was marked " OK '' up to XX/XX/XXXX than all of a sudden on XX/XX/XXXX, it shows that it went into charge off status. Account status and payment history is incorrect just to name a few - It should say late 30/60/90/120/150/180 days late then charge off - Correct? It's imperative under the FCRA guidelines that the creditor or furnisher report accurate information. There are so many inconsistencies, incorrect, and incomplete information that makes this account unverifiable. This is in violation and it can not be reported. Please delete this account immediately from my credit report.
Product: Debt collection

I have been XXXX contacted by Allied Interstate attempting to collect a debt on behalf of XXXX. A call to XXXX confirmed my account with XXXX was paid in full when the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX are all reporting a fraudulent account on my credit report. Account # : XXXX for {$16000.00} opened XX/XX/XXXX. I received a letter from FedLoan Servicing on XX/XX/XXXX that I needed to pay a Direct Parent Plus Loan for {$16000.00} ; Account # : XXXX. ( FedLoanServicing was not one of the options listed above for a loan holder choice ) I immediately called them to find out what this was about. They told me I opened a student loan in my name only for my daughter XXXX XXXX and that I was responsible for this loan and it was in my name and my name only! I believe my ex-wife ( divorced in XX/XX/XXXX ) used my social security number without my permission to open this account. This account is fraudulent and I will not be held responsible! I did not sign any documentation or approve this loan to be opened in my name. My ex-wife 's name is XXXX XXXX XXXX phone number XXXX and lives in XXXX, GA. I reside in the state of Pennsylvania and had no knowledge of this loan.
Product: Debt collection

I tried reaching out to Hillcrest Davidson saying I live at that address XXXX XXXX XXXX my name was on there account as long with someone one else I didnt know when I ask for them to remove it they tell me I have to contact someone I dont know I refuse to call some dude I didnt live at that address at that time nor I didnt give nobody permission to use my information so they tell I couldnt get my name off that account even tho somebody else is on it as well and they refuse to give me any information regarding account I so called have
Product: Credit card or prepaid card

We applied online for a Capital One Venture card that came with a XXXX point bonus on XX/XX/2018. We received an email that it would not be approved and a denial letter on XX/XX/XXXX. The denial reasons stated vary, including length of credit history, amount owed on account too high, proportions to high, and too many accounts with balances. The Credit agency is XXXX  and my credit score is XXXX. I have a copy of the report and nothing matches their reasons. We work very hard to maintain a clean report and have no history of fraud. 

I contacted the Application department on XX/XX/XXXX and spoke to XXXX. The recorded conversation should be reviewed as XXXX was completely helpless. On XX/XX/XXXX I sent a certified letter to Capital One request a review. As of XX/XX/XXXX, I have had not response.
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to run my credit it is fraudulent.
Product: Credit reporting or other personal consumer reports

TransUnion has been reporting inaccurate accounts on my consumer report XXXX XXXX XXXX ( I sent a letter in from the manager about this account isn't suppose to be on my report ). XXXX XXXX, XXXX, XXXX XXXX XXXX. TransUnion has admitted that they have received all of the documentation but has yet to remove these accounts from my consumer file. I have enclosed a copy of my FTC report as well
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$460.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXXXXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX INQUIRIES XXXX XXXX  - XX/XX/XXXX, XXXX DC - XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

on XX/XX/2020, I hired a moving company to move my things from my about to close home to storage. I was advertised several things, including that paying extra for more movers would save me time, and so would also be cheaper. So I paid for 2 extra movers. The first issue was the truck needed for the move wasn't available, so they came with one too small. The second issue was of the extra movers, at least one of them was their very first day at the job, and wasted a lot of time learning what to do. In short, this is the second time I used these movers but the move took more time, and costed more to go to a storage facility XXXX miles away, than my multi city move with the same company which was over XXXX miles, and half the amount of movers. It was late, I had to close the home and return the keys to the real estate agent, so at the end I had other things to worry about and paid. 

Naturally I tried to discuss this with the company, and the same manager who promised me all this cost savings and efficiency refused to make amends, trying to sell me a discount on my next move instead of fixing my current move. At one point I finally just got ignored, email wasn't replied for several days, I even sent a second email that still received no reply. At this point I decided to turn to American Express, as it was their card that I paid the service with.

I opened a dispute, no one called me, and shortly it was denied. I never was given an explanation, I never had anyone call me for details as I've had with my Visa credit card in the past so I opened a XXXX  complaint. The complaint went nowhere, they reopened the dispute, and shortly denied it once again, someone at corporate called and gave me a lazy answer of something along the lines of " because I received the service, I can't dispute it '' no matter how terrible the service I requested was. I even demanded in email for my legally obligated documentation of why I was denied and a chance to repeal it, and I never got a reply back. I tried to reopen my dispute, and even contacted XXXX again. At that point they seemed done with me so they closed the dispute, charged me for the disputed amount, and closed the XXXX  complaint and left it as " customer dissatisfied. This is possibly my last option.
Product: Debt or credit management

I had Lexington Law back in the mid 2000 's, not really sure of exact dates for credit repair and I was supposed to be compensated but haven't received anything in their settlement.
Product: Checking or savings account

This has happened many times. Every time I make a purchase from XXXX using my cash app card. XXXX rubs the transaction for the total amount plus {$10.00} for any price discrepancies or substitutions. Within 24 hours, the order has been delivered and the actual total is sent to cash app. You can see Im the cash app ledger ( attached ) that the same day the order is placed cash has the actual final total. They could resolve the transaction and make any overage paid available to the account holder ( me ) that same day but they hold it a full seven days. This is my money and they will not tell me why they have to hold it, they blame it on XXXX when I ask them. This is clearly not XXXX as cash app has the final total on their own ledger. I can assure you that if my total ended up being more than the pending an amount, cash app would zap that money from me immediately. How is it ethical to take possession of my money and hold it for an entire week? This is their standard practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report.   Accounts listed below :   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , KS  XXXX  Last Reported o n   XXXX   XXXX   XXXX    Balance {$1100.00}  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Last Reported on   XXXX   XXXX   XXXX     Balance {$150.00}   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Tx.  XXXX  Last Reported on  XX/XX/XXXX    Balance {$11000.00}   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx.  XXXX  Last  Reported  on   XXXX   XXXX   Balance {$10000.00}  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX , Tx.  XXXX  Last Reported on   XXXX   XXXX   XXXX     Balance {$26000.00}  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , Tx.  XXXX  Last Reported on   XXXX   XXXX   XXXX     Balance {$8700.00}  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , Tx.  XXXX  Las t Reported o n  XXXX   XXXX ,   XXXX    Balance  {$850.00}
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize, please delete unauthorized inquiries
Product: Credit reporting or other personal consumer reports

XXXX This is thr open complaint I should not have to wait 60 days for them to fix this I need to buy a car to get to work this is preventing me from doing so and it is not fair That I can not reach a real person to discuss this
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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

The 3 Credit Bureaus XXXX, Transunion, and XXXX need to be held accountable for the injustices they have burdened me with. My credit report shows an account with The XXXX XXXX XXXX ( Acct # XXXX... ) That is full of inaccurate information. If they are getting this information from the same data furnisher, then how is it that they all have different information being reported? My credit report has to be 100 % accurate, and 100 % consistent, and 100 % verifiable. XXXX ) The account status shows as Indeterminate. This account can either be Open or Closed NOT indeterminate. XXXX ) Transunion is reporting a balance of XXXX $ on a closed account that has evidently been purchased by another per the remarks associated with this account. XXXX ) If the account has been purchased by another lender, the Original Creditor can no longer report information of this account. XXXX ) The date last reported has different information reported between the XXXX Bureaus, XXXX. Yet another inconsistency. XXXX ) the 24-month record of payment history is all jacked up, full of unfactual payment history. XX/XX/XXXX XXXX reported that I was 30 days late when XXXX shows that I paid on time, while Transunion holds no payment history at all. Again, in XXXX of XXXX XXXX reports me as XXXX late when XXXX shows I paid on time, no payment reported from Transunion. From XXXX of XXXX to XXXX of XXXX my payment history is reported Inconsistently ( See attachment ). My payments were never late, and the account is closed. These false and inaccurate late payments have tarnished my credit rating. I want this erroneous data deleted from my consumer profile immediately.
Product: Student loan

Im asking for the company to remove the late payments. No one contacted me letting me know that I had to put the loans in deferment had I known I would have kept up with it now
Product: Mortgage

My loan was transferred to Mr. Cooper from XXXX on XX/XX/2021. The loan is in good standing and came over in good standing but with an incorrect monthly payment amount which has caused misapplied payments, an incorrect escrow balance and an incorrect loan balance. 
I have spoken to six ( 6 ) different Representatives and your Escalation Department but the errors and mistakes continue to exist. This has been going for over 45 plus days since the loan was transferred to Mr. Cooper. Ive contacted Mr. Cooper by phone, I spoke with a XXXX on XX/XX/XXXX, I spoke to a XXXX on XX/XX/XXXX, I spoke to a XXXX and XXXX on XX/XX/XXXX, I spoke with XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX and continue to email XXXX XXXX XXXX for updates. All this has resulted in nothing, no action taken to correct my balances by Mr. Cooper. 
By their own admission, loan activity review and verification by each Representative the balances are incorrect. My monthly loan payments are made on time but are misapplied each month to the principal, interest and escrow. And still Mr. Cooper has taken no action to rectify these errors and mistakes since the loan transferred on XX/XX/XXXX. 
I sent a letter to correct the errors and mistakes on my loan. They only corrected the amount for XXXX on XX/XX/XXXX but not the misapplied principal, interest or escrow balances for XXXX and XX/XX/2021. I was told if there were any misapplied payments they were done. 
Here are the details for the adjustments and corrections. 
Prior to Mr. Cooper taking over loan servicing, payments were made to XXXX for the projected escrow shortage. These payments were made prior to XX/XX/2021 in the amount of {$140.00} reapplied on XX/XX/2021 from date of payment on XX/XX/2021, {$140.00} on XX/XX/2021, {$1000.00} on XXXX and {$670.00} on XX/XX/2021. The total amount paid for the escrow shortage was {$1900.00} and all this was not applied to the escrow appropriately. 
The XXXX payment was made to XXXX on XX/XX/2021 in the amount of {$2300.00}, the extra {$140.00} should have been applied to principal. The XXXX payment was made to Mr. Cooper on XX/XX/2021 in the amount of XXXX, the extra {$140.00} should have been applied to principal.
Product: Checking or savings account

I was a victim of fraud. My banking account was used for a XXXX  purchase for a scam. Neither XXXX  or my bank has helped me resolve this issue and receive my money back. They did not even reach out for more information or proof etc. I've trusted Wells Fargo to insure my accounts and they have failed in this case. I have long conversation of the person who scammed me admitting to the scam and I have all his details and family member details and have been waiting to file a police report if necessary. I also have evidence of others he has done this to making it a felony offense.
Product: Credit reporting or other personal consumer reports

It's been XXXX years after the date of the first day of Collections Date opened and therefore, these accounts are inaccurate, adverse in violation of Congressional Mandates of XXXX  third-party non affiliated Consumer Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are being furnished without written permission, Re aged & XXXX inaccurate information reporting after XXXX years of XXXX day of missed payment.. these accounts are XXXX  years postdated of being sold to Collections XX/XX/year>.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amounts -Past-due amount -Account status -Charge-off amount The specific account ( s ) in question are as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA.

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


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

Hello, I '' m reporting a problem because I did a pre qualify application with one main finical on XX/XX/2018 and it was supposed to be a soft pull on my credit. this application also said that my credit would not be effected if i applied I called them last month to prove to me if this was a hard pull or send me a letter and they could not provided any proof. Here is a link I used for the application. XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

After using Zelle numerous times and complaining about discrepancies and mismatch in tractions, I was told corrections and refunds would be impossible leaving a gaping hole in my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from this debt collection agency XXXX XXXX XXXX XXXX XXXX 

My rights are being violated in several ways. 

15 U.S.C 1681 602 A States I have have a right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish any account without any written instructions. 

15 U.S.C 1692C states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt