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

today i spoke with a agent named " XXXX '' but i do not believe that is his name since he refused to give me a last name. i asked him about two accounts that FIRST FINANCIAL RESOURCE furnished on my report. he stated they were mine, i conditionally accepted to pay the debt if he can show me a wet ink signed contract between me and FIRST FINANCIAL RESOURCE. of course he could not provide with me such contracts since i don't owe Them any debt nor ever heard of them prior to me monitoring my Report, so i demanded the removal of the debts off of my report since it has been making it difficult for me, as a consumer to receive any lines of credit in the past. i previously disputed the accounts multiple times with XXXX ( Report XXXX XXXX ) and it kept coming back verified even when i asked them to conduct a proper investigation which was never conducted nor provided to me as requested. i also have a suspicion that FIRST FINANCIAL RESOURCE obtained addresses from my report without my permission and updated it on their file to match my report. He also informed me of their attempt to " contact '' me at my father 's address in which i have not resided in since XXXX and he also told me they tried to " contact '' me at a phone number i had in XXXX which i do not know how they obtained it since that was new number i got in missouri while i was in college. 

I also had an issue with XXXX XXXX XXXX furnishing a collection account which were deleted off my XXXX ( Report Number : XXXX ) And XXXX XXXX Confirmation number : XXXX ) Reports which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy since i never Gave any PERMISSION to furnish such accounts. 

There was also another company that furnished a collection account on my report without my permission and i have never heard of them before. XXXX XXXX XXXX reported a collection on my XXXX ( Report Number XXXX ) Report which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy as well.
Product: Debt collection

I received an alert on my XXXX credit report that I had a new collections. I was surprised since I've paid down/off most of my outstanding debt this year. I disputed the charge and it came back verified as my account. I called the agency to figure out the original creditor. I called on XX/XX/XXXX and was told they couldn't find an account and would call be back in 30 mins. I received no call back. I called back on XX/XX/XXXX and was told I had 3 different accounts and those accounts did not match what was reported on my credit report. I asked for a itemized statement since I've never received one from the original provider, apparently the system is down and they said they will send it later. I called Transworld to just pay the XXXX account since I'm in the process of refinancing my house and was told I needed to pay {$560.00} instead of the {$390.00} reported on my credit report. I also asked for a receipt and she told me that the bank statement will serve as my receipt. I told her that was unacceptable and will need something in writing that says this account has been resolved. I almost positive I wont receive one since I haven't received an initial letter that I had an open account with them. I only found out about the account when I got the alert from XXXX. The rep that took my payment over the phone was RUDE and not customer friendly. Here words to me were " We can't tell the computer when to send the updates to the credit agencies '' and " You transaction on your bank statement will serve as your receipt. ''
Product: Payday loan, title loan, or personal loan

I have borrowed a very very small loan of {$250.00} from a company called inbox loan. On XX/XX/XXXX they have took {$48.00} out of account. The week following XX/XX/XXXX they took out {$37.00} out of account. For the next 3 months I have been charged every Friday {$37.00} till this day. After gettin off the phone with a cosumer rep from inbox loan on XX/XX/XXXX I was told I have signed the right to pay back this very very small loan of {$250.00} for one year. So by XX/XX/XXXX I would be paying back {$1900.00} to this company when I have only borrowed a very very very small amount of {$250.00}.
Product: Checking or savings account

On more than one occasion my bank ( Chase ) has charged me multiple overdraft fees towards my account. And it has to do with the way they process charges as they hit my account. They will take the largest item first, which will overdraw my account, and then charge smaller items afterwards. Back on XX/XX/XXXX, this very same thing happened. We had a balance of {$130.00} and I had 3 charges come in to my accountone for {$350.00}, one for {$69.00} and another for {$46.00}. The bank ran all of these in that order and subsequently charged me 3 overdraft fees in the amount of {$34.00} each. When I called to complain about this practice they said they do it that way because they feel that larger items are more important items like house payments, car payments, etc. The bank has reimbursed us before for this practice, but told me this is a one-time courtesy and will not do it again. 
Had those charges been done in reverse order, we would have had only one charge. In my opinion, as well as the rep from your agency, this is a shady business practice and a way for a bank to make more money off of people struggling to make it through until payday!! 
And this continues to happen to this day
Product: Credit reporting, credit repair services, or other personal consumer reports

As part of our home buying process, we shopped for mortgage rates. Instead of showing as a single inquiry, the inquiries are showing as individual on my account with Experian. I contacted them via phone on XX/XX/2022, to try to correct the issue by disputing the individual inquiries and they informed me that they could not correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are now XXXX accounts from Acima and the address associated to them is XXXX XXXX XXXX XXXX PA XXXX. I have never lived at this address or in Pennsylvania. I have disputed these items so many times and XXXX will not remove them and I have also contacted Acima directly. XXXX tells me I can not dispute the address online since it is associated to Acima but I have disputed Acima 7 times with no resolution. The owners and residents of this address are named XXXX and XXXX XXXX and I am not related to them nor know them. XXXX was sent documents of proof and still will not remove the address or fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureau last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. Here is the account mentioned above : XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account such as Inconsistent balances and dates across bureaus. This account is hindering me from purchasing my first home. It is to my understanding that CFPB will investigate these items for me to ensure its accuracy.

Here is the item im asking to be verified as accurate : Experian - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Waypoint has not removed this inacurate information from XXXX XXXX and XXXX. They said they would close and remove this information, but this inaccurate information is still on my credit report.
Product: Payday loan, title loan, or personal loan

During XX/XX/2020, I applied for a loan through Speedycash.com and was approved for an amount of {$250.00}. I was offered two ways to receive this payment - through direct deposit or in-person at a Speedy Cash location. I chose direct deposit and waited to get my payment. After not receiving the funds and contacting them multiple times, I became worried and stopped any withdrawal from them through my bank account. I have contacted their claims department several times sending them bank statements as a proof of not receiving funds. Despite my efforts, they have harassed me every day since then demanding a repayment of {$300.00}. However, I was not given the service I was promised. Now they are threatening to send my account to collections. I have provided everything necessary as proof of not receiving funds and now need some extra help.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Mortgage

upon closing of CFPB # XXXX the party " Chase '' stated within its response -- that they believe the Deceased was not released from liability when in fact the deceased ( 2003 ) was a Co Joint Tenant and is legally released from liability. This has gone on for years and needs to end!! If I am forced to file another law suit many other Defendants will be added including XXXX XXXX law bunch -- especially attorney XXXX XXXX XXXX whom obviously is an XXXX looking to kill this person with stress being high risk for covid19. I am demanding this stop here with this foreclosure XXXX!! Chase has no standing, only I do!! The deceased co joint tenant can not legally be held liable please see attached.
Product: Payday loan, title loan, or personal loan

Currently being extorted by Affirm.com for an installment loan they initially approved but did not actually provide for an XXXX order. 

On XX/XX/XXXX Upon placing the order through XXXX with the provided payment details from Affirm.com the provided payment method was immediately declined and upon speaking with representatives from Affirm about resolving this issue I was instructed to cancel the XXXX order, which I did. Therefore no order was sent to me or received by me. 

Now a month later, this still sits in my account as open and they are requesting payment. After an entire month of trying to resolve this issue with Affirm they continue to extort me, for a loan/order that was clearly cancelled and not received. 

I've provided evidence as such to Affirm at their request no less than 5 times now, and continue to be hassled about this.
Product: Credit reporting or other personal consumer reports

The INQUIRIES listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These INQUIRIES were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the INQUIRIES removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. I reported the crime to the police, filed a report with the FTC, and filed all appropriate documents with all credit bureaus and institutions to correct and solve all the myriad of problems that are created by this crime. In the process of investigating I became aware that someone stole my social security number and used it to get reports bi-weekly from CREDIT KARMA, a private credit service. The thief ( thieves ) used these reports to further infiltrate my identity. When I contacted CREDIT KARMA the only customer service is through email ( an unsecure site ) located in a foreign country. I of course refused to give the number. I wanted to speak directly with someone about this fraud. They were unable or unwilling to give me any further information or contacts. I asked for a supervisor to no avail. If this company can easily give out personal financial information and reports with out validating identity then I want to speak with someone. Why are they allowed to conduct business this way? Currently the thieves are still getting reports and applying for loans etc.and I am left with no recourse. Please let everyone know how this company shares its information.
Product: Credit reporting or other personal consumer reports

This account is reporting inaccurate information and needs to be deleted. This account has been sold multiple times and continues to change names such as XXXX XXXX. This account was also took to court with the judge ruling in my favor and dismissal of the debt. The court noticed this debt was open in the state of Georgia which I dont live. Equifax still continues to report this account as accurate which is false and against my rights. I have sent multiple dispute letters to Equifax regarding inaccurate information on my credit report. Despite providing evidence, Exquifax has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 USC 1681e ( b ) : Equifax has not ensured the maximum possible accuracy of the information in my credit file. 
15 USC 1681s-2 : Equifax has continued to report inaccurate information after I provided notice of disputes. 15 USC 1681 ( 5 ) : Equifax has reinvestigated and reinserted disputed items without notifying me, as required by law. 15 USC 1681c ( c ) : Equifax has reported obsolete information that should have been excluded from my credit report. Recently, I became aware of the lawsuit filed by the CFPB against XXXX and Equifax on XX/XX/year> titled " CFPB Sues XXXX for Sham Investigations of Credit Report Errors. '' According to the CFPB, XXXX and Equifax has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing. 
Equifax failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, employment, and housing opportunities. I will have all my supported documents attached to this CFPB Complaint.
Product: Debt collection

With my last XXXX I had to go to the XXXX  often and they would always tell me to pay or they will sue me for not paying. I cant afford to pay the {$200.00} copay every other week when I was trying to cover other expenses and just make sure my baby was healthy and I was healthy. Also went to a dentist, paid in full, cash. No insurance at the time so I paid everything up front to get my XXXX XXXX  and they still ended up sending me a bill for extra costs that arent even listed.
Product: Mortgage

My mortgage company sold my loan to another company. I did not make the final payment for the current month within the usual 15 day grace period. When this happens, I pay the late fee ( {$100.00} ) and the regular payment. With the transfer of companies, I have not been able to pay my mortgage. XXXX, I have called my former/original mortgage company to pay, and I have been put on hold for over 15 minutes only to have the call hang up. XXXX, I tried to pay via the former mortgage companies " speed pay '' website option and been unsuccessful because it would say " unable to process ''. I know i would not be penalized if I sent a payment to the former mortgage company, but I am unable to send them the payment. The new company takes over on XXXX XXXX. I can not pay them yet. Even if I pay my payment for XXXX after XXXX XXXX, it would be over a month late. But I have been unable to do otherwise because I can not speak to anyone at my former mortgage company.
Product: Debt collection

Almost 10 years ago we did a short sale and sold our house in XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This was our primary residence. There was a temporary law in place where a homeowner was not penalized for the debt forgiven. I received the attached document showing the identifiable event occurred on XXXX-17. Ocwen keeps harassing us every 2 years about this and now they have sent a XXXX Every two years we have to show them the debt forgiveness paperwork from the closing. The original mortgage company was XXXX XXXX XXXX XXXX and Ocwen must have bought them out. As an FYI - we also had a mortgage with them in XXXX which was paid in full and we have since sold that house and moved to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's National Consumer Assistance Center at XXXX XXXX XXXXXXXX, XXXX, TX XXXX has received letters in reference to reporting incorrect information on my consumer report. On XXXX XXXX a letter was sent, Experian acknowledged receiving the dispute notice and responded as- the company that reported the information has certified to Experian that the information is accurate. Any information being reported must be 100 % accurate. 
Although the information is clearly reporting incorrectly, inaccurately and it is a violation to report incomplete and inaccurate experiences on the consumer report. This inaccurate reporting is a defamation of my character, showing willful negligence and willfuly reporting inaccurate data. The FDCPA 15 USC 1692 ( g ) clearly proided the violation along with FCRA 15 USC 1681 the violations of wilful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$320.00}, XXXX XXXX XXXXXXXX Balance {$820.00}, XXXX XXXXXXXX Balance {$150.00}, XXXX XXXX XXXX XXXX XXXX Balance {$1400.00}.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My account with XXXX  XXXX, XXXX XXXX, XXXX XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I am repeatedly getting calls from a XXXX area code number with multiple numbers like XXXX and others from a company called frontline asset strategies. I told them I disnt know anything about the debt and he said he would email me a copy of the papers. Never got it he called again and said the same thing and I still have not got anything I have checked spam and regular folders.. he called today XXXX XXXX  at around XXXX XXXX  most. They also many times a day. I told him I wasn't agreeing to anything till I see the papers to validate it as I feel it may be a fraud account. But they still call. I have emailed them as well and got nothing. Just many calls all day
Product: Debt collection

XXXX XXXX, XXXX, XXXX ( XXXX XXXX ) uses Certegy Check Services to collect on checks that are returned for insufficient funds. XXXX was taken a cashier check in the amount of {$2500.00} for ck # XXXX dated XX/XX/2018, XXXX XXXX that was returned. I was asked informed by the XXXX employee the check would be shredded, Certegy Check Service presented the check to my bank for payment XXXX and it was paid even though they had a cashier check in their possession. 
I've spoken with Certegy several times. I was told the refund check of {$2500.00} was mailed out XXXX but I have not received the funds. I spoke with XXXX XXXX Dealer Manager with XXXX and he also stated the refund was mailed out. This lack of assistance with this matter is urgent and I feel I'm being misled on purpose. Is this a practice for Certegy and XXXX to not refund Clients funds if so I'm requesting their collection practices be investigated for their collection practice.