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

I sent a letter to TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I routinely use Affirm to finance activities associated with my profession of a stagecraft teacher where I have to purchase supplies to build a set on a teacher 's income. I have set up several loans through Affirm. I also have had to take some XXXX XXXX time away from education. I had some difficulty managing finances in XXXX, and affirm could not be paid due to lack of income. They reported each loan as it's own credit card to the credit agency. I have since come current with all these accounts and some of these loan 's are reported now as " closed. '' I have been regularly checking in with them to see if they update their system, they are telling me they update every XXXX  days. But they do not. I have regularly pulled information since XX/XX/XXXX and it is now XX/XX/XXXX and they're still using XX/XX/XXXX 's information to make decisions despite the fact that the reports do not seem to act quickly enough. The holidays are here and I had hoped that this account would simply recover and it isn't, they are not even updating information in a timely fashion that is part of their policies. This is predatory behavior. I was bated into believing this is XXXX account, they then intern report to a credit agency and when I come current they are not interpreting their own reporting properly.
Product: Debt collection

On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from Credit Management XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. Contract callers attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. Credit management purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. Credit management needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft.
Product: Debt collection

XXXX sold the same debt to two different companies. 

1. Caine and Weiner- acct XXXX, settled on XX/XX/XXXX paid in full on that date, confirmation number XXXX, This is still reported as owed as of XX/XX/XXXX. I reported this to the company twice and was told that even though this was settled in full, the credit burea should have been reported to but was not. Noone was helpful and this is still showing on my credit as owing the full amount. 
2. XXXX XXXX XXXX This is a duplicate but is still showing on my credit. 

Neither company has stopped reporting to my credit bureau. From speaking to Caine and Weiner, they posted to account number XXXX, which is not my account but the account of someone with this same name as me. I just want these taken off of my credit report immediately.
Product: Credit reporting or other personal consumer reports

i saw my credit report, these account needs to be investigated with physical proof of signature. my account needs to be report as fcra i attached my driver license and physical proof to be investigated
Product: Credit reporting or other personal consumer reports

I have also discovered hard inquiries from the following companies that I never authorized. The fair credit reporting act states that only permissable purpose for pulling ones credit report is for : Firm Offer of Credit, Insurance, Employment, or court order. I have not authorized any of these companies to pull my credit report. 

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: Credit card or prepaid card

XXXX XXXX XXXX  charge card had two fraudulent charges that were reported at least two weeks ago. I was assured that the matter would be taken care of on two separate occasions. I should point out that this card was never used. I have always used the " XXXX '' app to make purchases which is a direct payment from my bank. 
Account is owned by Synchrony Bank. 
The card was canceled and a new card issued. I continue to get past due notices and I see that it has also been reported to credit rating agencies. 

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX GAL PREMIUM {$40.00} XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX GAL PREMIUM {$42.00} XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block .inc ) due to inadequate customer service and unfair practices which violated the consumer financial protection act. Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected for the more they dispute process was unfair and deceptive and they did not comply with error resolution requirements under the electronic funds transfer act and regulation E. These action have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB regarding an account XXXX XXXX XXXX on XX/XX/XXXX. This item was successfully removed from my XXXX report based on the CFPB 's investigation completed on XX/XX/XXXX complaint # XXXX. I submitted the documentation to CRA XXXX and they have refused to remove this account from my report. I am requesting that this account be removed from the other 2 credit reporting agencies ( XXXX & Transunion ) based on the investigation results that removed the item from my XXXX report.
Product: Checking or savings account

I have called Bank of America twice and reached out to XXXX XXXX XXXX in XXXX, and XX/XX/XXXX to remove the account fraud activity from XXXX XXXX XXXX. I have yet to be able to open a check account. This was not a fraudulent activity, the account was opened and a check was bounced but my paycheck was direct deposited in my account. I also filed bankruptcy and this should have been included. I didn't owe anything to Bank of America they took XXXX dollars from me and closed the account and sent XXXX a fraudulent activity.
Product: Student loan

A payment of XXXX was not applied to my highest balance/highest interest rate loans. Loan sequence XXXX and XXXX should have been paid down/off, but instead they paid down XXXX and XXXX. XXXX of which were the lowest interest rate.
Product: Credit card or prepaid card

Company ( PNC ) lowered my credit limit from {$10.00}, XXXX to {$3800.00} saying I had credit score of XXXX which is wrong correct score is XXXX also saying using to much of my credit wrong also only using 28 % saying late on payment I was never late saying they used XXXX called XXXX got copy of credit report that confirmed everything I said XXXX thinks they got me mixed up with someone else or look at wrong person I called PNC and they won't even look at report or try and correct it my XXXX score has dropped almost 40 points because of this and they just don't care, my credit is suffering because of their mistake and they are not trying to correct it.
Product: Mortgage

Home buying is supposed to be a happy and exciting process, for us it hasnt been thanks to PRMI to be more specific XXXX XXXX. She has single handedly sabotaged our closing on our first house. She was upset that we switched lenders and fraudly got a case file on our house and put in incorrect information intentionally to stop our process, which has so far worked because this is the third time our closing has been delayed thanks to her fraudulent ways. I personally called her boss, XXXX XXXX, who was polite but very dissmissive of our complaints and seen that XXXX did no wrong. XXXX isnt the word, im livid and just outright upset that my family which include two small children are still living in an apartment complex that has a shooting every night and has had our personal vehicles vandalized because XXXX wouldnt take no for an answer. She needs to be fired and her boss needs to pay attention to how she is ruining dreams for innocent people.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports as I have been XXXX since XX/XX/XXXX and was just released on XX/XX/XXXX. There are several inaccurate items listed on my reports that should not be there. I have both soft and hard inquiries on my report that I did not do or authorize such as XXXX XXXX, Capital One, XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Around XXXX of XXXX I went to XXXX XXXX for a XXXX XXXX, during the visit I was told that I would need XXXX for top and bottom and before they would fix the XXXX XXXX, they recommended me to get the XXXX  first. I agreed and they made me an appointment to get fitted for the partial around XX/XX/XXXX. During my visit, my insurance was validated with the insurance company, and the XXXX office presented with an estimate of cost for the partial, the estimated showed. the portion I was responsible for and the portion in which they insurance agreed to pay, prior to me making any commit, I was told that because the service was for custom partial, I would have to pay my portion prior to the XXXX office sending the impression off to be made. I agreed and made payment for my portion of the expense that day. Around XXXX of XXXX, return to XXXX for my XXXX during that visit they adjusted my XXXX XXXX XXXX XXXX XXXX. upon leaving I stopped at the front desk to take, and outstanding balance and I was told. There was no balance, and I was good to go. 

Around XXXX of XXXX, I received and invoice in the mail from XXXX XXXX, I immediately call their office and spoke with the billing person to speak about the bill, and I told her exactly what I wrote about, she said OKAY she would need to get in contact with my insurance company again and we ended the call. I then call XXXX insurance company just to be certain and I was told the claim paid out, so if figure must have been and error. 

Around XXXX I receive a call for a Wakefield collection agency in regard to the {$1500.00} charge, I was surprised as I though the issue was resolved, and the {$750.00} charge was now. {$1500.00}. I explained to the representative all they above and he said he would need to get back in touch with the XXXX office. 

I never heard back, instead Wakefield popup on my credit report as a collection, I have tried countless times to get them to resolve this, but they continue to report the inaccurate information to the credit bureau. 

The agreement I had with the XXXX office said I would pay portion of responsible cost at time of service which I did. I don't know what was or wasn't file correctly with the insurance company nor do I have control over that, all that was worked out at the time of service between my insurance provider and XXXX office. I contacted the insurance company and they have said they paid the claim, so I am not sure why I am still be harassed and pursued for something I don't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my credit report Credit acceptance XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

This account was opened back in XXXX. I had some issues with my account with charges that was not mine. On XXXX of XXXX Kohls written off account. A charge off was done in amount of XXXX. Kohls sent me my 1099c to claim on my taxes XXXX. I disputed it because they keep reporting in on my credit report. I called Kohls they said there is still a balance. Once written off there is no way it can still have a balance. After my dispute. Kohls did another charge off for the same amount XXXX. I have sent 1099s as my proof of this company charge off. The credit bureau does not want to remove off my account. This in not correct information that is being reporting.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than XXXX business days after the date reception. 
It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!!! 
Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX, Fl XXXX Removal of Fraud alert and Removal of personal statement. 

Please accept this as a former request to remove both my Fraud alert and Personal statement from my credit report as I have had the opportunity to get a better handle on my credit affairs.
Product: Credit card or prepaid card

Booked a trip on Frontier Airlines from XXXX to XXXX on XX/XX/2020 for {$450.00}. 
As flight was going to be in XXXX, and we were in the midst of a pandemic, I specifically asked if tickets would be refundable if I was unable to travel due to Covid19 and was assured they would be. 3 days before trip was going to be made, we were informed by our employers that if we went to Florida we would be required to quarantine for 14 days when we returned. We could not afford to be out of work for 3 weeks so trip was cancelled. 
Frontier attempted to get me to accept a credit for future travel but I refused and told them I wanted the full refund that I was promised and they agreed. 4 weeks later there was still no credit to my card so I called Frontier and was advised that a credit was issued on XX/XX/2020. My credit card, which is a frontier airlines master card through Barclays bank, still had no credit so I called Barclays and disputed the charge. 
They promised to do an investigation and reversed the charge. 
On XXXX XXXX the charge once again appeared on my statement and when I called Barclays and spoke to their rep they xfer me to Frontier where I spoke to XXXX agent # XXXX and his supervisor XXXX agent # XXXX who stated they would not issue a credit because Barclays charged back the {$450.00} So it appears that Barclays, and their airline partner Frontier, are playing games with my money and pointing the finger at each other with me stuck in the middle. Nobody will give me a straight answer and I am exasperated. Please help.
Product: Credit reporting or other personal consumer reports

Recently, I did a investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681e ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or ify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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

Franklin Collection Service has reported a collection to the credit bureaus. They are alleging that I owe {$540.00} to XXXX, the supposed original creditor. I've never had services with XXXX. They placed this erroneous debt on my credit report which is tarnishing my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries do not belong to me
Product: Debt collection

This company is reporting that I owe them a debt in the amount of {$380.00} -This is not my debt and I sent proof
Product: Credit reporting or other personal consumer reports

I have inquiries that need to be removed from my credit report. I didn't give written authorization to have my report pulled by US Bankcorp and XXXX XXXX. This is under 15 US Code XXXX XXXX. XXXX XXXXXXXX inquiry happened on XX/XX/XXXX and XX/XX/XXXX. US Bankcorp inquiry happened on XX/XX/XXXX. 

There are late payments on my credit report. I wasn't notified within 21 days according 15 US Code 1666. 

My student loan ( XXXX ) was forgiven by Pres. Joseph Biden. The report is showing the amount of {$140000.00}. 

I found inaccuracies with an collection account XXXX XXXX XXXX under US Code 1666
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to a car dealershiup and only authorized an inquiry for XXXX XXXX, however, the dealershiup ran my social across many companies and that has cause a dramatic decrease in my credit score and these inquiries were not authorized. 

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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected 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 XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I deposited XXXX checks from my place of employment. The first was for {$1700.00} and the second was for {$710.00}. The first check cleared but and second check for {$710.00} had a exceptional/admin hold place on it. I dont understand the logic because the checks were from the same company. 

I called Truist in regard to the matter and explained my concern and issue because I had bills that needed to be paid. Normally if I deposit check ( s ) on Friday before XXXX the funds would be available by XXXX the next day or no later than XXXX. When speaking with rep I was informed that funded would be available the following day. Now my account shows negative balance It seems like this is an ongoing thing with TRUIST because Truist is holding everyones checks. This is not normal nor is it due to anything we have done. It is faulty XXXX within the company.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns Regarding Zelles handling of disputes. Particularly in light of CFPB new lawsuit highlighting issues with the platform. Despite having Zelle for a long time and using it a lot, they have yet to handle my discrepancies adequately. They told me that finding these lost funds couldnt happen and was unfeasible. The CFPB findings show that Zelle has exploited their customers and has failed to protect them. This makes us susceptible to more scams and raises concerns about consumer safely.