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

I called Equifax to inquire about how long it takes for my bankruptcy to come off my credit report. I read online that its 10 years from the filing date. my discharge was in XXXX of XXXX, which means filing date was 2 years before that. the person I spoke to informed me that it was 10 years from my discharge. I was ok with that and she asked me if I wanted to dispute it. I told her no, because I did n't want it to effect my credit. I disputed something on my credit with XXXX about 6 months ago through XXXX XXXX  about a debt from XXXX and they declined my dispute and dropped my XXXX credit score by 50 points, so I was concerned about that happening again. I have no debt or any payments to be late on my credit report. I had a hard inquiry on my credit report about a year ago, so my Equifax score has been a XXXX for a long time now. After the inquiry from Equifax a week ago they dropped my score 55 points to a XXXX credit is very important in life now. I 'm a XXXX XXXX and see these kind of things every day. can you please look into this matter for me, because I 'm scared to call them back about it and they will drop my score another 50 points, I do n't know what to at this point. PLEASE HELP!!!! I will attach screen shots from my phone. I have my credit score from before the phone call and after. I also have screen shots from when I called them and when they called me back.
Product: Credit reporting or other personal consumer reports

Equifax always responds within XXXX hours that the account is accurate, without providing any evidence of the investigation. This violates the Fair Credit Reporting Act ( FCRA ) which mandates a reasonable investigation of disputes
Product: Credit reporting or other personal consumer reports

I am filing this complaint because variations of my name or incorrect versions of my name have been used and attached to my credit reports. This inaccurate information has adversely impacted my credit and has caused significant distress. 

Details of the issue : 1. My name is XXXX XXXX, but I have noticed that alternative spellings or variations ( such as " XXXX XXXX, '' " XXXX XXXX, '' or others ) have been incorrectly linked to my credit report. 

2. These errors have resulted in inaccurate credit information being reported, including accounts or inquiries that do not belong to me. 

3. The presence of these inaccuracies has negatively affected my credit score and overall financial standing.
Product: Money transfer, virtual currency, or money service

I receive my direct deposit from my employer and was supposed to receive funds the earliest by XXXX. The company has only made statements online that they are working on it with very few updates. It is now XXXX and i still havent gotten paid. When calling them the representatives avoid giving an answer and when trying to call again to get an update the calls seem to be left on queue. I was on their queue for over XXXX hours and no answer. I have bills to pay and a family to feed.
Product: Mortgage

The 2nd lien holder SLS, gave an approval letter with the demand of {$90000.00} from the 1st lien holder and or the sellers in order to release the lien so the sale of the property could not proceed as intended. The buyers walked away after knowing the sellers were unable to proceed with such a demand from Specialized Loan Servicing, something they conveniently forgot to include in their response to CFPB. The property was listed again at {$640000.00}, a price that the market supports, as there have been similar properties sold in this range and the property is in need of upgrades and maintenance. SLS refuses to have a interior BPO or an appraisal done, they are currently using active and under contract listings in their valuation which has no support in the final sale of any property. We currently have a new offer, it is being reviewed by the 1st lien  holder XXXX XXXX and waiting for another approval on the property. The 1st lien holder has also contacted their attorney XXXX and XXXX to start foreclosure proceedings, the letter is attached for your review. The approval letter, dated XX/XX/2018 from SLS is also attached for review showing the requested XXXX to release the lien, knowing the first would only pay up to 10 % percent with management approval which we have expressed multiple times to SLS in verbal conversations. If we can not get a reasonable payoff amount from SLS to release the lien so the sale can move forward, the property will go into foreclosure ; maybe this is the overall intention of SLS 's outrageous request for a payoff. The 1st lien holder has now offered {$6000.00} to the 2nd SLS, as a current payoff and the approval letter from them once received will reflect that amount. That letter will be sent to SLS for review and request to release the lien for the current offer on the property before it is foreclosed on. Thanks for your review and time on this matter, please advise. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2019, we had Sear Air Duct Cleaning clean the air ducts in our home and arranged for a uv light system to be installed to help prevent mold in the system. The bill was for {$3000.00} plus {$840.00} for the uv light system. We were charged for {$3800.00} but the uv light system was not installed and because they repeatedly made appointments but did not install the system, I called and canceled the uv lights but they remain on the bill to this day. 

The first scheduled appointment they canceled because they told me they did not have the lights in stock. The second one they did not have a technician. The third time, they said it was supposed to be heavy rain and they would come in the afternoon but they did not and we waited around for them all day. I tried to call them on the phone several times and could not reach them so i left a message to cancel the uv lights. They never returned my calls. The credit card people, Shop Your Way have been telling me they are looking into the dispute but I first filed it in XXXX and it is still on the bill as of XX/XX/2019. 
On XX/XX/XXXX I tried to reach the supervisor at Sears 5 times and he never returned my calls. I e.mailed Sears at XXXX and never got a reply. 

Because the lights were canceled and never installed, I do not intend to pay that amount of the bill but I do not want my credit standing to be at risk and would like to get this matter settled in an equitable manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian signed me up for a XXXX monitoring service WITHOUT my permission while pulling up a credit report. From the my phones internet browser XXXX is not able to see the option to cancel service. You have to change it over to DESKTOP site in order to see it. Months went by if my card getting charged XXXX from XXXX to XXXX without be able to cancel it or know to check the desktop site. 
I then cancelled the card and had a new number issued. Somehow EXPERIAN got that card number from XXXX XXXX BEFORE it even arrived at my house and change the number on their autopayment side and STILL CHARGED ME AGAIN. I sent them a nasty email and said to refund within XXXXXXXX hours and they did/but only the the month they charged on my new card number that I did not even know yet! 
I just logged into Experian to get documents and they are telling me I dont have a account anymore. I will collect XXXX statements of charges and the most recent credit on the new card-will get that by the time you respond..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act the following information furnishers are violating my rights : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S. Code 1681 section 602 ( A ) States I have the right to privacy. 

15 U.S. Code 1681 section 604 ( A ) section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

The following fraudulent hard inquires are reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never gave any of these companies consent or written permission to have access to my credit report nor to furnish information on my consumer report. 

According to 15 U.S. Code 1681 ( i ) ( 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,
Product: Credit card or prepaid card

please fix data to show that my account is in good standing and that i made the payment in XXXX XXXX this is American Express for department In accordance with the fair credit reporting act XXXX  Account XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to Privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments since and present my account in good standing and valuable customer.
Product: Vehicle loan or lease

This contract is void .... Car not sold as priced on website or as discussed deal was under 10000, XXXX was the price discussed. Protection plan added to life of the loan over a term of 72 months, finance charges totaling to be XXXX witch was not agreed to. Please remove all Protection plan cost and request re-write of loan agreement to price listed on webpage as of the date of purchase. The term of loan on contract is 72 months, on the billing statement it says 73 months. Please remove all extra charges and protection plan, re-write the loan at purchase price and term agreed and if possible maybe even 60. I was thinking the amount I saw included interest and fees until i got the bill in the mail. Thank you. XX/XX/2020 .... ( lender ) American Credit Acceptance ( Dealership ) XXXX XXXX, XXXX XXXX XXXX, TX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed these accounts that are not mine and are inaccurate. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I have attached the following : Driver 's License Current Utility Bill Social Security Card Theft Report
Product: Credit card

Card was set to auto pay, which stopped without notice, accruing several months of late fees. During this period, monthly emails that had been sent reminding me of payment also stopped. Issue was only discovered after a drastic drop in credit score.
Product: Credit card or prepaid card

I had co-signed on a credit card account with Wells Fargo with my student daughter. This was some time around 2012. I was/am the primary co-signer due to my credit score. The credit limit was set at {$1000.00}. Wells Fargo fraudulently and without my knowledge or authorization kept increasing the credit limit until it was over {$7000.00}!

These were charges all made by my daughter and the account has since been closed and paid down to around {$3600.00}.

It was NEVER my intent to have the card run over {$1000.00}! If Wells Fargo is going to make ME responsible for this account I should have been the once to authorize the increases. I would like them to take my name off this account. Further, I want Wells Fargo take the balance down to {$1000.00} due to the fraudulent actions with my credit and name.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Listed below are the Accounts that are being challenged XXXX - XXXX
Product: Debt collection

This is a notice that XXXX XXXX XXXX XXXX has failed to resolve my dispute. After several attempts at requesting specific documents to resolve this matter, we have not yet come to a resolution. I have sent you a Notice of Dispute Letter and a Debt Validation Letter making them aware of my requests. 

XXXX XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act, they have communicated with me ( the consumer ) in connection with the collection of a debt, which is a violation because a debt collector may NOT communicate with a consumer in connection of any debt, they have failed to properly respond, failed to provide the requested documentary evidence, and they have failed to provide me with the required disclosures, which are all violations of the law. The erroneous attempts to collect this alleged debt and its erroneous reporting is causing me emotional stress and financial hardships. They have neglected to provide me with the necessary documents on several occasions and they have willfully been noncompliant with my requests. 

This will be my last and final attempt to resolve this matter before I pursue litigation. They have 15 days from the date of this complaint to comply with my request for monetary relief due to their violations, the emotional stress, and financial hardship they have caused me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about removing Unverified, and Inaccurate Information, off my credit report.The problem Im having is with XXXX  and Experian refusing to Update Correct & Accurate Information And choosing not to removed-incorrect information off my credit report. I sent a validation letter to all three credit bureaus along with Social Security card and Drivers license Too all 3-Credit Bureau XXXX XXXX, XXXX  and Experian After further investigation .XXXX remove this Creditor account XXXX  XXXX XXXX , from my credit report, as result of their investigation. After providing my Drivers license, Social Security and Proof of address for the last five years. Nonetheless, I also gave them A copy of my credit report showing the inconsistencies and inaccurate information of the SAME CREDITOR ( XXXX-XXXX  ) reporting. Why are each Credit bureau reporting different information if it came from the same creditor. ( XXXX  XXXX XXXX ) If the account was furnished by the same creditor XXXX XXXX XXXX why isnt the information the same across the board. I dont see why each credit bureau are reporting whatever they feel Epecially, when its coming from the same creditor XXXX XXXX XXXX.I dont believe XXXX  or Experians ever investigated this matter. If so what is the method of validation.Did they do they do diligence and request their original copy of the contract? If so where the proof did they request a copy of a wet signed contract? Did they even get in contact with the creditor? Its been over three months since I ask them to validate this account belongs to me. They have yet to provide me with proof of my signature on this contract I ask that this account be removed Immediately ( XXXX  XXXX XXXX-XXXX-XXXXXXXXX ) and updated with accurate information.Such as XXXX  removal due to their investigation. 

I would also like to take this time out thank you in advance for your time in this matter and look forward to your response. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX Balance : {$6300.00}
Product: Credit card or prepaid card

I have tried to lower my debt but as I dont have a good paying job I am struggling to make payments on my XXXX MasterCard. I would recommend to do an audit of who has access to that information and who doesnt. I didnt allow any access to my personal information on any credit cards.
Product: Credit card

On XXXX XXXX, 2016 Chase wrote regarding Case number : XXXX : When we were notified of this case, we sent you a letter letting you know we received it. Although we began researching your concerns right away, we need more time to complete it. Please expect a letter from us when we have an answer. Thank you for your patience. 

This is yet another lie by Chase, when Chase was notified about this case, they did not send out a letter, they, in direct violation of Regulation Z and TILA initiated dunning calls. Chase did acknowledge receipt of the letter in numerous communications, thus they can not claim they did not receive the letter. 

In the aforementioned complaint a direct request was made of Chase to provide documentation used to make a decision, Regulation Z and TILA both require a response within 30 days, at a maximum, or the account to be provisionally credited. Chase did neither. 

The fact that the executive office of Chase is openly and directly violating Regulation Z and TILA in a response to inquiries on a CFPB website is troubling. 

I would also like to thank the CFPB for Chase would have never responded to my questions without your assistance.
Product: Debt collection

ACCOUNT NAME XXXX XXXX, XXXX Account : XXXX XXXX and XXXX XXXX XXXX Account : XXXX and CREDENCE RESOURCE MANA Account : XXXX USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Checking or savings account

I am writing to formally express my deep concern regarding the ongoing issues with my Square account and the prolonged hold on my funds. 
On XX/XX/2022, I processed two invoices for the same client, totaling {$97000.00}. The payments of {$48000.00} and {$48000.00} were successfully completed on XX/XX/2022. Shortly after, I received a notice from Square stating that my account would be deactivated, with my funds held for an initial period of 90 days. 

Despite complying with all requested documentation, including a three-month bank statement, I was informed that I had to wait for the specified hold period. After the initial 90 days, I was told that my funds would remain inaccessible due to an additional 30days hold. This situation has caused significant stress, especially as I have been battling a serious health issue since over a year so I was not able to contact square during this time i was diagnosed with XXXX. 

I find it perplexing that my account was deactivated immediately after receiving payment for services I had already rendered, using my personal resources. To date, I have not received clarity on the grounds for the continued suspension of my funds. I have attempted to reach out multiple times to speak with a member of their legal team or a rep who can provide clarity, but have not had any substantial resolution. 

Recently, I sent an email to the square email address and I received a message indicating that my funds are available for transfer but that I need to reactivate my account through the call and I was giving a case number # XXXX. Despite calling square team multiple times since receiving that message, nothing has changed. I have been repeatedly told that my case is being escalated, and that I would receive an update via email. Yet, days have passed, and I am still waiting. 
I urge you to help me out because I have nothing else to do, no where to run to as this has been a significant burden on my personal and professional life. This situation is taking a toll on my well-being I just want my funds.