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

I had conversations with representatives from Experian, XXXX, and XXXX on XX/XX/22, regarding the potential that they might have reported fake accounts on my consumer file. Since I didn't know where these accounts came from or have any knowledge of them, I begged them to delete them. All three businesses informed me that I had to provide documents and complete an FTC report. On XX/XX/22, I really accomplished that and mailed my letters by certified mail. The accounts are still included on my report more than 30 days after I sent my letters, and despite the fact that they are not mine, they were somehow " confirmed. '' Because this circumstance prevents my family and I from being able to purchase a home, I am incredibly perplexed and irritated about it. On XX/XX/22, I contacted all three companies once more and questioned how they could demonstrate that these accounts belonged to me. They just advised me to speak with the creditors directly and said they couldn't offer any further assistance. It came as no surprise when I tried contacting every creditor who had been falsely stating on the consumer file that they were unaware of me or the accounts. I'm unsure of what else to do, so I searched online and found the CFPB website, which some of my acquaintances said may be helpful in my circumstance. I sincerely hope that this is helpful because my family and I are trying to apply for a house and we truly need it.
Product: Credit reporting or other personal consumer reports

I contacted the companies and the credit reporting agencies and informed them both that these inquiries were unauthorized and to remove them from report do to the FCRA making it illegal to keep these unauthorized inquiries on my account especially when I informed them that they were unauthorized. Inquiries : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I attempted to request my credit report from TransUnion following their instructions on their website and link to the free annual credit report. It was refused and denied without explanation. I attempted to log into my account on TransUnions website to access my free credit report and access was denied. Representative stated that access to my credit report online is blocked due to the fraud alert on my credit report. BUT IF I PAY FOR THEIR SUBSCRIPTION, THE REPORT IS ACCESSIBLE ONLINE. Transunion is violating federal laws by forcing me to pay for my credit report in order to access it.
Product: Debt collection

Not my debit and have already requested documents. They just transfer it to another agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect items was found in my reports. The TransUnion, XXXX and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified items without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX CO Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX I Account Number : XXXX
Product: Debt collection

AR Resources ( XXXX XXXX ) started calling me starting in XXXX with repetitive calls and leaving voicemail messages everyday. Has not stopped and continued to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

SINCE XX/XX/2020 I REQUESTED A DEFERRMENT FOR MY XXXX XXXX PERSONAL AND BUSINESS CREDIT CARD, THEY GAVE ME THE DEFERRMENTS THRU THE COVID 19 CARES ACT DUE TO COVID 19. THEY PUT A 30 DAYS LATE ON MY PERSONAL CREDIT REPORT. I ASK THEM WHY DID THEY PUT A LATE PAYMENT ON MY REPORT, THE LADY YOU SUPPOSE TO GET LATE PAYMENTS WHEN YOU DEFERRED THRU THE CARES ACT. I TOLD HER THAT THE CARES ACT PROTECT YOU FROM EVEN GETTING A LATE PAYMENT THATS WHY ITS CALLED A DEFERRMENT AND IT IS ALSO THE LAW THRU THE CARES ACT THAT IF YOU REQUEST FOR THE DEFERRMENTS AND THEY WERE GRANTED THEN NO LATE PAYMENTS WILL OCCURR ON YOUR CREDIT REPORT WHILE YOU ARE IN DEFERRMENT. THE LADY SAID I DONT KNOW WHAT YOU TALKING ABOUT AND THATS NOT TRUE AND THATS NOT THE LAW AND IS THERE ANYTHING ELSE SHE CAN HELP ME WITH. IM NOT EVEN SURE IF THEY PUT LATE PAYMENTS ON MY BUSINESS CREDIT CARD THRU XXXX XXXX AND EQUIFAX XXXX AND XXXX, XXXX AND XXXX DOES NOT REPORT.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has led to several unauthorized items being added to my credit report. These include XXXX accounts and an inquiry that I did not authorize or initiate. These entries were made without my knowledge or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/2024 I have already reported this identity theft to the Federal Trade Commission XXXX FTC ). I am requesting the immediate removal of these fraudulent accounts and inquiries from my credit report to restore its accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed documents to United Revenue Corp several times and have asked the debt to be validated, not verified. United Revenue Corp has failed to respond within the 30 day mark. XXXX XXXX 2021 I asked for the debt to be validated. XX/XX/2021, I mailed documents showing the incorections to my credit report, also the proof that the documents were signed and received and also that I never received a response back. XX/XX/2021 I still have not received any response.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Resolution Required : Unlawful Credit Reporting Violations under Missouri FCRA and Identity Theft Laws Dear EXETER FIN, I hope this message finds you well, albeit addressing a matter of pressing concern. I write to bring to your attention the grave issue of unauthorized information reporting to my credit file, a direct contravention of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), coupled with the pertinent Missouri FCRA provisions. 

It has come to my dismay that EXETER FIN has been engaging in the unauthorized reporting of information to my credit file without obtaining the necessary consent, a clear violation of federal laws as stipulated in the FCRA. Section 1681b ( a ) ( 2 ) explicitly mandates that consumer consent is an absolute prerequisite for such reporting activities. 

Beyond federal mandates, Missouri FCRA provisions reinforce the imperative of obtaining consumer consent for credit reporting activities. Your attention is specifically drawn to the relevant sections of Missouri 's FCRA, highlighting the necessity of explicit consent for reporting and the fair treatment of consumer credit information. 

Moreover, considering the severity of unauthorized access and misuse of personal information, it is crucial to emphasize the implications under identity theft laws, safeguarded by Missouri Penal Code Section [ Relevant Section ]. Unauthorized reporting not only breaches my rights but also jeopardizes my creditworthiness, a matter not taken lightly under these laws. 

I assert, unequivocally, that no explicit consent has been granted to EXETER FIN for reporting any information to my credit file. This lack of consent is a clear violation of my rights, constituting potential damage to my creditworthiness and a flagrant disregard for federal and state laws. 

I hereby demand, with utmost urgency, that EXETER FIN immediately cease any further reporting of information to my credit file without obtaining my explicit consent, in compliance with Section 1681b ( a ) ( 2 ) of the FCRA and the corresponding Missouri FCRA provisions. Non-compliance within the stipulated 30-day timeframe will be considered a willful violation, subject to penalties under applicable laws, including identity theft laws. 

It is imperative to understand that obtaining consent is not a discretionary choice but a legal obligation under the specified sections of the FCRA, Missouri state law, and identity theft laws. This is not a negotiation ; it is a demand for adherence to both federal and state regulations, safeguarding consumers like myself from unwarranted and damaging credit reporting practices. 

I anticipate your immediate attention to this matter and expect EXETER FIN to expeditiously rectify these egregious violations, thereby respecting my rights under federal and state laws. 

With a genuine hope for swift resolution, XXXX XXXX
Product: Debt collection

On XX/XX/2019 MHC Receivables LLC sold my credit card debt from XXXX XXXX XXXX  XXXX. ( {$940.00} ) to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX failed to notify me of this sale or that I had a right to dispute violating my rights under the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was workig with a rental agency to rent an apartment and 2 hard inquiries were put onto my credit report from Credco within 12 days of each other. One on XX/XX/2018 and the other on XX/XX/2018. I contacted XXXX and explained the situation and asked them to remove one of the hard inquiries and they told me that they would not remove either of them and that I had to go back to the company that I was working with to have them remove it. The rental company said that they could not remove either of them because I had to talk to XXXX. So neither of the companies would help me resolve the problem.
Product: Checking or savings account

I keep receiving information from my credit monitoring that someone is attempting to take out loans and has opened an account in my name at Golden 1. I have a letter from Golden 1 to an old address stating an account has been opened. I went to the Golden One Branch on XXXX XXXX XXXX on XX/XX/year> in person with XXXX XXXX to inquire about an alert on my credit report where someone attempted to take out a loan. Now I have a bank statement from Golden 1 dated XX/XX/year> that a checking account has been opened under my name. They have yet to follow up with me or even contact me. I called and went into a branch, and until today, I have not followed up with anyone. I have received a bank statement in the mail and never opened an account with them. The identity verification at Golden 1 is lax. The first breach was the credit inquiry for a loan, and the second was opening a bank account. A thorough audit of their loan and checking account opening procedures must be done. Their lax security has impacted my credit score.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX Source Receivable Management company contacted me saying I owed money for a phone bill I never received. The employee on the phone was extremely rude when I told him to send me an itemized bill that showed what was owed because I did not know I owed anyone {$610.00}. He then hung up on me. When I called back his manager answered the phone and told me her name was XXXX XXXX and she would review the call. 

Their number is XXXX.
Product: Credit card or prepaid card

Company incorrectly charged off the account after payment was already made. Before charging off the account they were reporting an incorrect balance to the credit bureas. They were constantly sending messages saying that the account was XXXX days past due even though I made the payment. A payment of {$160.00} was made on XX/XX/2022 as it was the past due amount that was listed in the app. They proceeded to send me an email on XX/XX/2022 saying that the account was XXXX past due. I reached out to them and stated that it was not past due. I did not receive a response. On XX/XX/2022 they sent an email saying that the account was XXXX past due. I once again reached out to them to inform that this information was incorrect. I did not receive a response.
Product: Debt collection

Keep receiving phone calls and voicemails that state they are a legal person regarding a legal matter and that it is very very important to contact them or legal action will be taken as a result... This type of behavior is uncalled for especially when I have requested a written contract to show my official signature on it validating any kind of debt to this or any agency trying to attack my credit score and reports.
Product: Mortgage

I am writing to file a complaint regarding my VA loan experience with ELEND. After closing in XX/XX/year> for a double wide manufactured home from XXXX XXXX in XXXX, I discovered city ordnance preventing the placement of a manufactured home on the purchased property. Despite my transparent communication and diligent efforts to resolve this issue, including pursuing zoning amendments, rezoning and exploring alternative structures and builders, ELEND has refused to modify the contract or provide any support and wants the entire amount spent by them up to this point in one incredible lump sum with no option of manageable repayment.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take in a timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

XXXX XXXX  XXXX XXXX paid XXXX dollars to Cross Country Mortgage on my behalf in XXXX. Cross Country Mortgage was applying the money as scheduled for my monthly payment. The aforementioned funds was to pay my mortgage from XXXX XXXX. 
Cross Country has me in collections, sending me letters of debt, past due notices, telephone calls, etc. Cross Country Mortgage reported initially they would correct the problem by XX/XX/XXXX. ( The problem began XX/XX/XXXX ). I spoke with several representatives and they reported it can take 45 days. How can they hold the government issued funds and not apply it to my mortgage? This is the second time they made a mistake on my account, The 1st time they use the wrong insurance policy number and my mortgage jumped from XXXX to XXXX. It taken months for them to repair,, and I was receiving threats of foreclosure. Please investigate this company and it practices,
Product: Debt collection

On XX/XX/2022, I contacted XXXX  XXXX for job search services. However, I was compelled to sign a contract halfway without an adequate explanation of their services in English, which is not my native language. The contract was for {$5900.00}. 
Subsequently, the welcome letter, when I finally saw it, was illusory, and contained a NON-DISPARAGEMENT clause. I have canceled and not used their useless service at all. While I was negotiating with XXXX XXXX and Affirm, I was eventually able to secure a 50 % refund on XX/XX/XXXX, but I still owe the remaining 50 % to a fraudulent entity from whom I did not receive any services.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding their failure to report the Date of First Delinquency on a charged-off account. This omission creates significant inaccuracies in my credit report and prevents the correct calculation of the seven-year reporting timeline under the Fair Credit Reporting Act ( FCRA ). 

Had the Date of First Delinquency been reported correctly, it would allow the charge-off and associated account to be eligible for early exclusion from my credit report. Without this critical information, the account remains inaccurately reported, which has unfairly impacted my ability to obtain financing for a new home. 

Since the initial delinquency, I have worked diligently to improve my credit and have demonstrated financial responsibility. However, this account continues to be an obstacle in achieving my homeownership goals. I request that XXXX XXXX  XXXX XXXX promptly correct this error and ensure the accurate reporting of the Date of First Delinquency so that the timeline for this account can be properly assessed. 

I appreciate the Consumer Financial Protection Bureau 's attention to this matter and kindly ask for an investigation to ensure compliance with all applicable credit reporting regulations.
Product: Payday loan, title loan, or personal loan

I previously had a loan with Moneylion, that was paid off on XX/XX/XXXX. However, on XX/XX/XXXX, I received a credit monitoring alert of " New Bank/Credit Card '' and that " MONEYLION INC reported a new account on your XXXX  Credit Report. '' I did not apply for nor approve any additional loans or services with MoneyLion. I am enclosing a copy of the credit monitoring alert showing the reporting of this fraudulently opened " New Bank/Credit Card '' account. I demand that a thorough investigation into this matter be completed expeditiously and with haste.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB LAWSUIT highlighting significant issues with the platform. Despise using zelle numerous of time And reporting discrepancies my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transact was unfeasible. THE CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX 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

Hello and thank you for taking the time to help out with my business account This is the first time Ive requested a courtesy credit on the overdraft fees on my account, due to it happening early this year the customer service agents were unable to assist with all of them There are 18 overdraft fees that occurred for this year and wanted to please get support to see if I am eligible as a courtesy to have these all reimbursed Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently there is a closed account reporting on my credit file with Credit Acceptance Corporation partial account number XXXX, I have requested documentation from this company and they have failed to reply. They have negative remarks on the account and i do not recall even having the accounts or being late.
Product: Credit reporting, credit repair services, or other personal consumer reports

my husband filed a chapter XXXX bankruptcy in XX/XX/XXXX. He has since beome deceased. 
XXXX XXXX. Servicing bought this loan from XXXX in XX/XX/XXXX. The arrearages and the balance were the same. Originally I owed {$20000.00} and XXXX increased it to {$25000.00} in the claims process. So every month i have paid. According to the ledger at the XXXX I have about {$10000.00} to go. 
( XXXX XXXX XXXX - MTG ARREARAGE {$15000.00} of {$25000.00} ) On my credit report it says I owe {$22000.00}. Experian took less thsn 24 hours to dispute this and the results were the same. And on top of this they are saying they did not get paid before XX/XX/XXXX. This is untrue as they began getting paid when they bought the loan in XX/XX/XXXX. So they are showing no payments for almost a year. Will you please try to help me? Apparently Experian dies not care enough to really investigate the facts. I also have documents stating XXXX  tried to get a relief from stay and had to withdraw. 
Thank you
Product: Credit reporting or other personal consumer reports

Upon checking my credit reports ( all 3 ) I noticed Transunion had a company by the name of XXXX XXXX XXXX, I have never done business with this company. Oddly enough, it has the same tradeline account number of a company I have done business with, which is XXXX, which is a student loan provider. Upon contacting XXXX XXXX XXXX they indicated that I did not have an account with them ( I read the acct. number to them that is on my credit report ), they also indicated that they don't handle any student loans. I then called XXXX and they confirmed that they only report as XXXX and that it must be a Transunion issue. I called Transunion who advised to call XXXX XXXX XXXX. It has become a complete run around. The account number that this American place has is identical to the tradeline account at XXXX. No one is providing assistance. On my other 2 reports all info is correct as it relates to the XXXX account. I am trying to buy a house and this is not good. No one has provided an answer that I am comfortable with. This is a {$100000.00} amount with a company I have never heard of. Please help me. The account I am referencing has a sketchy phone number attached as well.
Product: Mortgage

I wrote a letter to Freedom Mortgage on XXXX XXXX, 2017 to request removal of the PMI on my mortgage. I attached a copy of the most recent appraisal provided by Freedom Mortgage. The value of the property is {$140000.00} my principal balance is {$110000.00} leaving a LTV of 78.58 % I received a letter in response dated XXXX XXXX, 2017 that stated they were unable to approve my request because my LTV was greater than 80 %. I have written another email dated XXXX/XXXX/2017 to the rejection letter requesting the PMI to be cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be be investigated and corrected : BankruptcyXXXX XXXX BankruptcyXXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX  - CARD XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022