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

On XX/XX/XXXX I contacted Diversified Consultants in XXXX, FL. regarding an account. I was unaware of this delinquency until I obtained my credit report. Apparently my husband had established this account in my name. 

I asked Diversified Consultants if there was a settlement amount and they replied that there was. I paid the amount with my XXXX Debit card. A few weeks later this account still remained on my report as derogatory. I filed a complaint with XXXX. It is still there. I contacted Diversified Consultants on approximately XX/XX/XXXX and spoke with their representative. I told them it had been quite a while and this was still showing negative on my report. " It's not 30 days yet, is it? '' I replied that it was paid. " Well, it's not 30 days yet. '' I told him that I wanted it off my credit report by the 30th day, XX/XX/XXXX. " We don't remove derogatory reports ''. 

My question is this : if it is paid to their satisfaction, why do I continue to be penalized with a derogatory mark on my credit report? I am working hard to re establish a good reputation and have paid all debts. I have not worked with a repair company to have them erase negative marks nor have I just let them expire. Shouldn't doing the right thing pay off? 

I appreciate anything that you can do to assist me in this matter. I feel that Diversified Consultants is  holding my reputation hostage without cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted previous disputes with Experian with in correct information pertaining to 2 accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with inaccurate dates open of account, account status, date of last activity after account was closed for more than 3 years and Experian refuses to conduct proper investigation. I have enclosed more than 2 credit reports and 2 letters to Experian to request investigaiton to have accounts removed due to not being 100 percent accurate and failure to reinvestigate.
Product: Checking or savings account

I filed complaint ID XXXX on XX/XX/year>. Citibank failed and refuses to investigate and simply said on XX/XX/year> that they had investigated. The attached worksheet provides precise, irrefutable mathematical interest calculations per their deposit agreement. If their calculations are correct, why do they refuse to show their calculations or where mine are incorrect. Their refusal to discuss the numbers shows they know their numbers are wrong and are hiding their wrong numbers. Anyone who can use a calculator can confirm my worksheet numbers are correct which proves their numbers are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$110.00}
Product: Credit reporting or other personal consumer reports

Regarding the XX/XX/2024, issue I had with XXXX for purchasing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and necklace, my account was credited for the full amount. However, XXXX reported my account late to all three credit bureaus. I filed a complaint with Experian and was informed that the information reported was correct and that they would not change it. After their XXXX investigation, my dispute was settled, and my account was credited. Hence, the negative report to all three credit bureaus should also be corrected. 
See below for the previous report I filled. : On XX/XX/2024, I purchased an XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX for my son. According to XXXX, the item was delivered to my home. I checked with all my neighbors and no one saw the package. I called XXXX several times and informed them I had not received the item. I filed a dispute and was denied. I was told by XXXX XXXX customer service financial service supervisor that once the item is shipped out, XXXX is not responsible for it. I was also told to go to my local police Precinct and file a report. I did and was informed that because of the high volume of petty theft in my neighborhood, they were unable to take the report. I also informed XXXX that in my neighborhood there are several persons with the beginning of my address and what differentiates the homes is the street number, because the XXXX delivery takes a picture it does not necessarily mean it came to XXXX XXXX. I went to several XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX and asked about the package and no one seemed to have gotten it. I was charged late fees and XXXX has placed a late payment on my credit report because of this item. I have called them several times but no one is willing to help. It is difficult for me to pay for an item I did not receive. Purchased online on XX/XX/2024 Order # XXXX | XXXX item
Product: Mortgage

I HAVE REQUESTED AND APPEALED TO MY MORTGAGE LENDER ( BANK OF AMERICA ) TO PLEASE CORRECT THEIR MISTAKE ABOUT EVALUATING MY LOAN MODIFICATION APPLICATION BUT THEY HAVE FAILED TO ADDRESS THIS ISSUE REPEATEDLY!! 
The lender approved my trial loan modification but then they refused to turn this offer into a permanent plan!!!! They claim that they can not verify my tax returns from 6 years ago!!!!!, i.e. XXXX and XXXX. This is an absolute false claim from B of A because I have presented all the tax returns for every single year that they requested, including XXXX & XXXX. 
I even gave them official transcripts DIRECTLY from IRS, confirming that I DID file taxes for all the years disputed by B of A. 

So I have all kinds of proofs that my tax filing history is correct and accurate. But the lender keeps repeating a false claim and a baseless assumption with no proofs whatsoever!!!! 
They keep repeating their wrong information regarding events of 6 years ago!!!! 
This behavior is both unreasonable and very unfair. I have solid proofs of my tax filings which I have repeatedly presented to them. Yet they keep repeating the same false assumptions!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been notified or updated of investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have explained that this account does not belong to me & was open fraudulently for the XXXX XXXX XXXX XXXX. There is also an inquiry that I have not applied for someone attempted to open credit in my name XXXX/XXXX. 
Please delete this account & remove this inquiry so they do not reappear on my reports again please. Thank you
Product: Payday loan, title loan, or personal loan

i am writing today in hopes to obtain your help i am reviewing my credit trying to lower my balances studding credit scores and working towers better credit. 
i am trying to obtain a loan and you play a big role in this process of obtaining a loan and what rate i will be paying. 
i reviewed my credit and i was shocked to see that you are reporting me 30 days late on XX/XX/2017 i dont remember being late i am not that person to be late at all the only thing i can think of is that my statement was dropped in the wrong mail box it sometimes happens that my mail gets delivered to my neighbor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has multiple accounts with my social security number attached to them in states i have never resided in. as a result the debt collectors have reported them to my credit report which is hurting my credit.
i contacted com cast., the collectors. and the reporting agencies. to date nothing has changed after 6 months
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My loan balance was XXXX. I requested a covid refund to which I was sent back 2 checks for XXXX dollars each. My loan amount was then updated to XXXX but EdFinancial then updated my owed amount to XXXX  without any reason and explanation when changing my account. I requested a history on the loan balance but I am being told for the past 2 months that the request is being processed and will be sent to me once done. I keep following up on the item but keep getting nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

My records associated with the account Cavalry Portfolio Services with account number XXXX do not complement with what the Credit bureaus XXXX claim as a " validated as accurate ''. I never had contractual relationship with this company and they have failed to provide lawful debt validation. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to Cavalry Portfolio Services but I did not receive what I asked and these violations persist on my credit report.
Product: Debt collection

Company : Designed Receivable Solutions , Inc, Amount 1 : {$4400.00} Amount 2 : {$1000.00} Company has never sent correspondence stating I was going to collections or to show proof that I owe this amount and why. Have tried contacting and have not received a response. Have disputed the charge on my credit reports as well. 

These charges I assume are from a hospital stay. I had two health insurance plans at the time, VA XXXX XXXX and XXXX XXXX. The hospital has both insurance contacts and only approached the VA after I repeatedly asked them to contact XXXX.
Product: Checking or savings account

I ran to the car from enterprise I kept the car a week later than previously paid for the company took my deposit and then charge me an additional {$660.00} which was not authorised and its continuing to still try to charge me more money do you say and I drove XXXX miles which theres no way XXXX miles Max my check in Company Chime allow them to charge me only did they allow them to charge me but the card that was on file was stolen from my possession which I then locked the card off chime went in my account locked my card on and removed my ability from turning the card off and allowed them to charge me the money that I did not tell them that we do not arrange my deposit cover the extra week easily period
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account shows up to be in bankruptcy. I tried contacting the Equifax Credit Bureau to supply me personally along with a copy within the contract signed or voice interaction where I granted billing me through this account but no successful resolution. There was definitely an error on their part. Please delete this particular through my credit as stated by the Fair Credit Reporting Act. 
XXXX Amount : $ XXXX-Date XXXX : XX/XX/2016
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX and don't have contract with XXXXXXXX XXXX.They did not provide me with the original application loike I asked.
Product: Credit card

Today, I contacted Capital One about a cash advance. The website states that XXXX is a third-party vendor they work with and also shows sites for XXXX cash machines. I went to XXXX for a cash advance, and XXXX cash machine, and requested {$300.00}. The receipt shows the following ( see attachment ) : A withdrawal of {$300.00}, a Transaction Fee of {$4.00}, and an amount Dispensed of {$40.00}. I contacted Capital One and was instructed to return to the store and explain the issue. I did and XXXX communicated that they have nothing to do with the machine although it is in their store. I thought that by law they are accountable because they are getting a fee for the machine being there. So XXXX told me to contact XXXX, I did and they told me to contact the bank, Capital One. I spoke with 5 people at Capital One, and each told me to contact XXXX, and they could not help me. This is interesting because my account was debited {$300.00}, yet I only got {$40.00}. Capital One is also accountable but they say that they have nothing/control ; over the third party that I listed on their website. Capital One should be able to open a dispute and credit my account the amount that was in dispute. XXXX system should also know when there is an issue and return the amount that was not distributed. So no one knows what to do. My account shows a {$300.00} debited amount. XXXX has had these issues before and should have a system to immediately correct this issue. This is outright FRAUD. It looks like this will take time per my conversation with Capital One because they have no system in place, nor does XXXX to resolve this issue. So at this point, XXXX is telling me, their voice message, to contact Capital One, and XXXX i telling me to contact Capital One. No organization should be allowed to operate this way. I have no idea as to when and how this issue will be resolved. Meanwhile Capital One is charging fees for an amount that I do not have. This was an emergency request and both Capital One and XXXX created more of a hardship.
Product: Credit reporting

I attempted to get a credit report for my mother, and I believed that the cost would only be {$1.00}, as advertised on their website. Instead, they added me to a monthly membership that cost me {$22.00} per month for several months. I contacted Experian about a refund, but they said that all sales were nonrefundable. I wish Experian would be forthright with their advertising and explicit about the fact that receiving their credit report will enter me into a membership program.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a closed date of XX/XX/XXXX which is inaccurate information. I have a copy of a letter as of XXXX XXXX showing a balance of {$0.00} before XX/XX/XXXX. Therefore Equifax has once again has place false information on credit report. According to ( FCRA ) agencies should report accurate information. I am asking for a physical investigation not E-Oscar or Metro2. The correct closing date was in XXXX of XXXX as I wrote it down after speaking with XXXX  XXXX representative. I wrote the information on the envelope. Plus the date of the paperwork show I contacted them before the closed date as Equifax has submitted.
Product: Student loan

My student are serviced through Mohela. I received a notice from Mohela by email on XX/XX/XXXX that my account was past due. Upon checking my back account, I saw that the money had already been taken out by the US Department of Education. I chalked it up a clerical error, since I knew they were migrating to a new system. I saw that another was coming up due, so I called Mohela on XX/XX/XXXX to try and resolve the matter. I was unable to reach anyone after holding for XXXX minutes. I couldn't get through their automated system, because it wasn't accepting my ID or my SSN as valid. I called again twice on XX/XX/XXXX and was still unable to get through to anyone. I called XXXX more times on XX/XX/XXXX. I was told by a representative that my account had not been migrated to the new system, and that the ID number was now different. She said the matter should be resolved within XXXX hours. I received no communication about any changes, so I called back today, XX/XX/XXXX. After holding for an hour, a rep said that the XXXX payment was received, but not the past due payments. She said she could not help me any further and I would have to hold for a " more advanced representative ''. I held for two hours, at which time they closed and I would no longer be able to reach anyone. I am concerned that these " missed payments '' ( which money HAS been pulled from my bank account for ) will impact my credit or cause me to be penalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account ending in # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's data breach and their options for credit security is not sufficient. They lost all my credit information, and only give us 1 year of identify theft monitoring. After 1 year, we will shoulder the cost of their mistake. Additionally, in order to freeze my credit account, it will cost more money in their own firm when it is their fault they caused this data leak. This is truly unfair.
Product: Checking or savings account

On XX/XX/year> at XXXX I received a phone call from my bank, Chime ( the same phone number ) stating my account has been hacked. They advised me how to secure my account. Then transferred my entire checking. I was scammed by a chime impersonator. I filed the dispute and it was denied and they state I will not receive my money back. This was a scam call impersonating chime bank phone number and supervisors.
Product: Checking or savings account

I mobile deposit my tax refund check that I received into my Chime account. I called about the funds being released for emergency and was told I would have to wait five days. I asked if the fans will be released once the check got verified by the government and was informed that no still would not, the time employee stated that there was no one else I could speak to about my funds and it was nothing that they can do. On Friday, XX/XX/XXXX the fifth day I called about funds been posted and was told that it will be done in a few minutes. Two hours later, I called back and was told that it will not be available until this evening on Chime website states that they will not hold tax refund checks.
Product: Credit reporting or other personal consumer reports

Affirm XXXX XXXX, XXXX Account XXXX XX/XX/2021 This is not my debt asking it to be remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My sister informed me that I received a letter in the mail at her home address were I have never lived before stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and other accounts that had been opened under my name. These accounts are not mine. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX  XXXX {$210.00} XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX. XXXX XXXXXXXX Late Payments from XXXX XXXX All Inquiries
Product: Credit reporting or other personal consumer reports

I am submitting this to formally request the deletion of my account with Account name, account number.If youre unable to perform and can not locate the necessary documentation proving I authorize the procurement of my credit reports, then I respectfully demand the immediate removal of the said account. 
SECURITY FIN XXXXXXXX Balance Owed : {$1300.00}
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking of debt bondage and I would like for all listed accounts to be blocked and deleted by transunion. The accounts listed below, which appears on my credit report, is the result of that trafficking. 

XXXX  XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXXXXXX XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXX  XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXX - Date Opened - XXXX XX/XX/XXXX XXXX XXXX XXXX - Date Opened - XXXX XX/XX/XXXX XXXX XXXX - Date Opened - XXXX XXXX, XXXX XXXX XXXX XXXX Reference Number : XXXX XXXX XXXX  XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Date Opened XXXX XXXX, XXXX XXXX CARD XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX - Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX - Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XXXX XXXX, XXXX Additionally any inquiries that are connected to any of these accounts need to be blocked and deleted by Transunion XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

On XX/XX/XXXX insurance company issued a check in my and my clients name. The check was sent to the client without my knowledge.

I found out that the check was cashed without my signature. The bank never called me to tell me that the signature was not mine. 

The bank cashed the check without my knowledge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX XX/XX/year> XXXX Anything other personal information other than the above is invalid. Please remove ( XXXX XXXX ( DATE REPORTED, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX ) and any other information that is not verified by proof of ID. 
Thank you for your time, XXXX XXXX
Product: Debt collection

My credit report is showing that I owe {$7800.00} to Jefferson Capital System - regarding a " XXXX Rewards ''. I have never had a XXXX account and so I called XXXX capital to dispute. When I called them they told me that this account was from XXXX  and that XXXX XXXX and XXXX owned it. They told me that they would mail me proof. I would like to see this proof as I have never had a XXXX card and also, from what I can tell XXXX  and XXXX are not associated with each other so nothing that he said made any sense. CFPB, please help. This fraudulent charge is really hurting me. I am waiting for this so called proof and I would also like that call listened to by Jefferson capital management as what this guy said made NO sense. Please help!!