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

Brinks must have purchased the company my security system was through, they would not come out and fix the cameras or the wall unit when i asked them to do it. I told them I wanted to cancel and they refused and said I had XXXX more years on a contract. I do not have a contract and never did for that length at a time and no contract with them at all. I asked for a copy of the contract and I cancelled the payment they were taking. I received no response. They started dinging my credit score, which was an XXXX and now a XXXX. I need this to stop and my credit put back to the XXXX. The XXXX XXXX  needs to provide me with a contract they say made the " service '' go XXXX years. The report it says opened XX/XX/2016. That was 8 years ago. They need to stop erroneously posting on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reported a false inquiry XX/XX/2022 on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

These following items listed below are unknown to me. 
XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$760.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance {$360.00} ; XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Balance {$1400.00} ; XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1200.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX.
Product: Checking or savings account

Basically there was a check that was deposited to me by this company I was suppose to model for and when I put the check in the money went through but the person in charge the director basically said I had to send him the money that was sent to me to buy the outfits for my shoots and turns out it was a fake check and I cant dispute it because he scam me
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXXXXXX 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

I am exercising my right under the Fair Credit Reporting Act Under section 15 U.S. Code 1681b - Permissible purposes of consumer reports Account name XXXX XXXX  Account number- XXXX Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a sub- poena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instruc- tions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in con- nection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an ac- count of, the consumer ; or ( B ) intends to use the information for em- ployment purposes ; or ( C ) intends to use the information in con- nection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in con- nection with a determination of the consum- ers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fi- nancial responsibility or status ; or ( E ) intends to use the information, as a po- tential investor or servicer, or current in- surer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit ob- ligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business trans- action that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
( G ) executive departments and agencies in connection with the issuance of government- sponsored individually-billed travel charge cards.

( 4 ) In response to a request by the head of a State or local child support enforcement agen- cy ( or a State or local government official au- thorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals case
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Product: Checking or savings account

I filed a complaint against TD BANK on XX/XX/2018. # XXXX The Bank reversed 2 overdraft fees total XXXX. I go on my online banking this morning and much to my surprise the bank reversed my provisional credit to make my account once again in the negative of XXXX. It is Retaliation about the complaint I filed with The Consumer Financial Protection Bureau. I made a Purchase online and it had to be returned I called the bank and started a dispute I than heard from the company through a bad review I had left and called the bank and told them I will receive credit back from the company, I received a letter from the bank disputes and fraud dept I faxed all paperwork back to them telling them the company never paid for returning this set and its 80 pounds i just cant move it. The bank said I will hear in writing about the decision. This morning without notification TD Bank reversed the credit and caused my account to be once again in the negative. I HAVE NO GAS, NOR MONEY TO GET TO WORK. WHEN ARE THEY GOING TO STOP THERE SHERADES. THIS IS ALL RETALIATION. Isnt coincidental that this happened the day after the complaint was filed?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I visited XXXX XXXX in XXXX Tennessee to purchase a XXXX XXXX XXXX. Yet the so called XXXX holder is located in XXXX XXXX, Texas name XXXX XXXX XXXX XXXX. This company was not present at XXXX XXXX where the so called debt was originated. When mortgages or so called debts exchange hands, employees at the second, third company or fourth company must send the customer/investor written consent to put their mortgage or any kind of so called debt on consumer reports ( also known as credit reports ). These so called debt collection companies can not report on any kind debt on consumer reports ( also known as credit reports ) without written consent from someone like myself. If a so called debt was originated off my own equity but the debt was sold before I made the first payment, the company where employees bought that debt and who I'm making payments too must have my consent because I have no contract with that other company ( s ). If I purchased my debts but the debt was sold before I made the first payment, the company where employees bought that debt and who I'm making payments too must have my consent because I have no contract with that company. The contract exists with the person that originated the so called debt. So if I go to buy a car, I sign with one company. Before I make my first payment that company then sells the debt to another company. By federal law that second company can not put that so called debt on my credit report without employees sending me a written consent to do so. The fair credit reporting act section 605 ( b ) states that persons need written consent to put a debt or to report to consumer reporting agencies ( known as credit bureaus ) with any outstanding debt if that company is not the original company that originated the debt. 

Also a debt validation notice was sent out on XX/XX/XXXX to this address putting employees on notice at : XXXX XXXX XXXX XXXX XXXX XXXX Mail Drop XXXX XXXX, Texas XXXX XXXX company name where someone reported to the consumer reporting agencies is XXXX XXXX XXXX XXXX
Product: Mortgage

I have been a XXXX XXXX XXXX customer for more than 21 years on this Mortgage. Selene Finance bought this mortgage from XXXX XXXX XXXXXXXX during XXXX XXXX. I was in forbearance during XXXX with XXXX XXXX XXXX XXXX When Selene finance took over the mortgage they bundled the forberance balance and changed my mortgage payments form {$5500.00} to {$9500.00} form XXXX XXXX. I paid the {$9500.00} until XX/XX/XXXX and I could afford this increase and ask them to lower the payment by extending the terms since only five years is left in the mortgage. They provided the modification option and I diligently send all the documents asked and required via certified mail and fax and received numerous acknowledgement from the representative ( recorded ) that the file is complete and nothing more is needed. They also thanked me for completing the application diligently and indicated I will get an anwser on Friday XX/XX/XXXX. All the documents sent to selene finance were also copied to cfpb. 
I received a letter from Selene Finance today dated XXXX via mail indicating that my modification could not be approved because I did not complete the file. 
I am targeted for foreclousre for retalionation of my previous complaint to cfpb and I have equity in the house for more than XXXX XXXX XXXX 
Please help. 
Thank you XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have followed the account creation process per LendingClub.com and their staff. 

There is an error. I am unable to finish account creation, nor able to sign-in. No one is able to resolve this via email or the basic levels of customer support. 

I've been told a ticket has been submitted to resolve the issue. I currently do not have a way, online, to pay my installment via LendingClub, which is a digital bank. 

I've also been told that when the ticket is resolved and the account creation issue is resolved, I will not be provided with an update. Follow-up is being put upon me. 

Each call takes between 20-30 minutes of time. Each person I speak to is increasingly non-committal and unwilling to provide any clarity, nor any specifics as to when the issue will be resolved and their next steps, beyond asking me to continually check in with them.
Product: Debt collection

Consumer Adjustment company sent a statement ( attached ) on XX/XX/XXXX that they would remove this account from my credit profile and my complaint was closed. XXXX just alerted me today that Consumer Adjustment Company has verified and updated the information on my profile AND flagged the account as unpaid! ( Also attached ) At this point they are in blatant violation of several FDCPA codes and laws. They should be held liable to pay damages for each violation. They are knowingly lying to save face and reporting harmful information on my credit report.
Product: Debt collection

I took out a payday loan from XXXX XXXX in XXXX for {$1600.00}. I wound up using a payday loan debt consolidation program beginning in XXXX and paid off XXXX other payday loans and some of my balance to XXXX XXXX, but not the whole amount. Fast forward XXXX years later, and a judgment was entered against me by XXXX XXXX, who was represented by Dobberstein Law Firm , LLC in XXXX, XXXX. The original judgment amount was for {$2500.00} plus legal fees. The document that Dobberstein Law Firm had sent me indicated the balance was {$2800.00}, however now the judgment on the Wisconsin circuit court site shows a judgment of {$2900.00}. I began making monthly payments in XXXX, XXXX, in the amount of {$120.00}, with the exception of XXXX, XXXX due to having to take time off work for my daughter 's XXXX and I did not have any paid time off available through my employer. I notified Dobberstein Law Office of this, they accepted it, and my payments resumed in XXXX, XXXX. To-date, I have paid {$620.00}. When I called Dobberstein Law Office to update my debit card information, I was advised that my balance is still over {$2400.00}. When I calculate the original debt, less my payments, even using the {$2900.00} amount listed on the circuit court website, I calculate my balance to be {$2300.00}. If we're going off what the balance listed on my account from the information I received from Dobberstein Law Firm, my balance would be {$2100.00}. I don't see anything listed on the court order indicating interest applied, simply the following statements : " Failure to comply with this order may be contempt of court and subject you to the following penalties : Imprisonment for up to XXXX  months Forfeiture of not more than {$2000.00} per day Any other order necessary to ensure your compliance Punitive ( criminal ) sanctions under Wis. Stats. Ch 785. '' I'm concerned about these discrepancies in the original balance reported by Dobberstein Law Firm, compared to the judgment entered on the Wisconsin Circuit Court website, as well as the remaining balance I was advised of, which is still higher than what the balance should be less the payments I have already made. I have not received any receipts for my payments, just a verbal notice over the phone of my remaining balance, however since it is a debt collector, they did indicate that the call was recorded at the beginning of our conversation, so there should be a call recording through the law firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed credit inquires and provided supporting documentation that should be more than enough to investigate and ultimately remove the above mentioned credit inquires that were not authorized. I have received and unsatisfactory response from Equifax on XX/XX/2021. I have been severely impacted and my ability to procure credit has been affected due to this errorneous information that is being reported on my Equifax credit report. I have researched this issue thoroughly and am confident that i have submitted all necessary and required documentation to adequately deal with this situation. It is beyond frustrating that they are ignoring the fair credit reporting act. and refusing to assist me in this matter.
Product: Checking or savings account

On Friday, XX/XX/2023, I was working in XXXX, XXXX  at my job when XXXX unauthorized ATM withdrawals were done on my account. The transactions originated from a place called XXXX, XXXX  at an ATM on XXXX XXXX XXXX, a place I have never in my life been to. XXXX ATM withdrawal was for {$140.00} and the other was for {$100.00}, both done at XXXX XXXX  in the same location. I got the notifications of the withdrawals and immediately went into the break room to dispute the transactions and cancel my card, as I had never lost my debit card or given anyone use of it, or the numbers. I have also never written my card or pin number down anywhere, so this was very concerning to me but I was sure the bank would help me. I filed the dispute and a few days later the bank came back and told me that there " was no error upon their investigation. '' I immediately tried to get in contact with them again to speak with a manager for further help, because this was wrong. They proceeded to tell me there is no manager available to speak to or phone number for me to call, I am stuck having to speak with them over chat. One representative told me to file a police report which i bave never heard of in a situation like this. One representative told me to email the dispute team, and that they would give me all the information that they got during their " investigation '' which led them to this conclusion. I have emailed the dispute team twice in the last week, and although their automated response says they will respond in XXXX hours, I have yet to hear back and it has been days. I don't know where to go from here but I need my funds back. Don't use Current!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me understand something, Ive been a victim of identity theft. The following accounts on my credit report are fraudulent. 
1.XXXX  XXXX in the amount of {$500.00}. Ive never done business with this company nor did i ever enter into a written agreement with this company. XXXX has ignored my request to validate this debt. It has been deleted from all of my other reports. Per FCRA Only accurate information can be listed on my reports. 

2.. XXXX XXXX XXXX XXXX in the amount of {$2500.00} this is a fraudulent account, which was removed from my file earlier in the year. This Account is Fraudulent!! This company never sent me a letter stating they would be placing this on my report, which is a violation per the FCRA, This account is Fraudulent, Please Block/Delete from my report!! Ive never done business with this company or entered into a written contract with this company.
Product: Mortgage

I obtained a loan thru XXXX XXXX of Prospect Mortgage XX/XX/XXXX. I was referred to XXXX XXXX from a loan officer at Prospect Mortgage in XXXX that I was preapproved with. The loan officer in XXXX was helping me to obtain Down payment assistance and other assistance with the government. I was referred to XXXX XXXX because I switched from XXXX to XXXX and she was supposed to be a loan officer that could help me to obtain all the assistance that the government had to help with the loan. When speaking to XXXX XXXX on the initial call she told me that she was able to offer help thru XXXX Housing and also forwarded me information to help with this. Throughout the loan process she told me multiple times that everything was in place with Indiana housing and the MCC. I was informed 2 weeks prior to closing and assured that everything was in place to get the MCC credit and my loan wa being delayed because of the process for the MCC. I called XXXX Housing to verify that what XXXX told me was true. When speaking to XXXX Housing they informed me that nothing was submittted. I informed XXXX via email. I was informed 1 week prior to closing that the MCC with XXXX Housing that I was told that was setup was not able to be obtained thru Prospect Mortgage because of the company not being approved for this. Because of this XXXX XXXX gave me XXXX options only a couple of days before closing. The first option was to pull out of the loan and not move forward with the house. The second option was to move forward with the loan without the MCC ( Mortgage Credit Certificate ). I chose the second option because Because there were multiple people involved but because I was n't informed until the end that they were n't approved to do t I lost out on a {$2000.00} credit for 30 years which totals {$60000.00}. If I had been informed by XXXX in a timely fashion that Prospect was n't approved for it, I would have went with a company that was.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXXXXXX 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 1681section 602 A States I have the right to privacy.

15 U.S.C 1681section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have filed mutiple complaints against Equifax for not reporting XXXX XXXX loan number XXXX i understand that its not reporting on the account because Equifax refuse to report it XXXX  has contacted Equifax and Equifax requested that XXXX XXXX resubmit the account information and XXXX  did mutiple times the most recent time was XX/XX/2024 and i petsonlly witnessed this at the bank and i also have documentation to support this from XXXX  and i have documentation from XXXX  they have reached out to Equifax mutiple time but Equifax but Equifax refuse to return any calls or emails and i have the documentation from XXXX  to suport this and all documents are attached at this point Equifax is purposely being malicious and low down and refusing to abide by my federal rights or federal laws wich is illegal... ..Equifax reply to my ever complaint is that this account is not being reported well i have documents from XXXX if Equifax would return call or reply to emails from XXXX  this could get resolved but they refuse all it take is someone at Equifax to do their job that they get paid to do and this problem could have been fix years ago but clearly Equifax has an employee that does not respect federal laws
Product: Debt collection

There has been a problem with billing with this company. This keeps coming back. In XXXX I was on medicaid. XXXX XXXX was paid through medicaid and financial assistance. The amounts were paid. I have not received any statements from XXXX XXXX stating I owed money because it was paid. Now in XXXX here we go again. Now its a different collector Arcadio stating I owe {$1300.00}. First it was the XXXX XXXX now its Arcadia.
Product: Credit card

For the last few years, I have been receiving credit card bills or solicitations with pre-printed checks. I think this is a dangerous practice should someone steal your mail or you throw these away unaware that pre-printed checks are in the envelope.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I noticed I had a new account from XXXX on my credit report that was past due. After looking up the company, I found out it is a company that offers cable tv services. My cable service is through my husband. I haven't had cable in my name in years. I reached out to the company. I couldn't find my account information using my information. I spoke with a representative who said it was an error and they would remove it. They did remove it, and it was updated on my credit report. A year later, it looks like that debt was sold to a collection agency, because I now had a collection on my credit report. I first saw it on XXXX. When I submitted a dispute, they removed it. Then it was on TransUnion. I submitted a dispute with them. They came back and said it was accurate. It's not accurate and I'm unsure how to dispute something that I've never had. I thought collection agencies were supposed to prove they had my correct information. I know the original debtor did not because I already went through that with them directly.