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

I have inquiries that I do not recognize for these companies that I do not have a open or closed accounts with
Product: Payday loan, title loan, or personal loan

I notified Check into Cash I was unemployed and was unable to pay at this time. After sending a revocation of account debit 2 times to the company, they still pulled the full amount of {$580.00} out of my account on XX/XX/19 which in turn has caused serious financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to place a fraud alert with Equifax and receive a credit report from them. I attempted to do this online on XXXX XX/XX/2019, then on the phone on the same day, then again online on XXXX XX/XX/2019. 
In each case Equifax has refused to process my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax listed a former address that hadnt been my address for four years as my current address. They also listed my current address as a former address. When I filed a report with Equifax to correct this bad information, the only options I was given were that 1. I have never lived at this address ; 2. Someone with a similar name lives at this address ; or 3. I am the victim of identity theft. NONE of these options are applicable for my situation. I was forced to enter inaccurate information in order to fix incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : social security number not mine XXXX FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On XXXX until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION XXXX negative Date opened XX/XX/XXXX Balance {$0.00} Status Collection account. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Collection account. {$160.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$480.00} Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$100.00} writte
Product: Debt collection

I continue to receive calls from Receivables Performance claiming that I owe money. Lately they call continuously and do not answer. Multiple times a day. I have explained that I have not been given verification of debt since I had to pay XXXX XXXX XXXX a sum of money when I cancelled my service in store. When I do get a chance to talk to a representative, they are typically rude and tell me that I owe more money and did n't pay enough.
Product: Checking or savings account

Over the past 2 weeks I made a total of 4 disputes regarding 1 XXXX company selling fake goods and 3 erroneous charges from XXXXXXXX XXXX Wells Fargo is claiming that I made 7 disputes. I did not dispute 3 items on XXXX ... I did not dispute a charge for {$84.00}, a charge for {$410.00}, and a charge for {$160.00} I have asked the company why these disputes appear on my account and I have asked them to remove them and they did not..
Product: Debt collection

I paid off my collection account and was promised a receipt of payment, as well as removing this negative account from my credit reports because XXXX insurance incorrectly charged me twice in one month.
Product: Mortgage

I had a banking error that led to insufficient funds. Having being off work for 9 months. I paid the late fee 's and submitted the payment a few business days later. Then next month my ( bank Bill pay ) made the payment on time and the bank OCWEN.. said I cant submit this form of payment. I asked if I could play by Card they said for a fee ... then said I only send them money Via XXXX XXXX or Cashers Check or Certified Bank Check. This all costs additional money on top of my payment to the bank. I told them that I should not have to be charged extra money because they wo n't accept typical forms of payment. So on top of the returned check fee. I will have to spend additional XXXX dollars to wire them money every month. 
They also said they would not except cash if I sent it to them.
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. 
XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudulent accounts and need to be removed ... .please be advised that I have supplied all the proper documentation ... ..see below : Account Numbers : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$490.00} XXXX/DEPT OF ED # XXXX {$17000.00} XXXX  XXXX XXXX XXXX # XXXX {$810.00} XXXX  XXXX XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$15000.00} XXXX/XXXX  # XXXX {$510.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$2400.00} XXXX XXXX XXXX ( XXXX XXXX ) # XXXX {$1800.00} XXXX XXXX XXXX # XXXX {$630.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia [ XXXX ] Transunion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : 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 AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  XXXX XXXX # XXXX {$490.00} XXXX/DEPT OF ED # XXXX {$17000.00} XXXX  XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX  # XXXX {$420.00} XXXX XXXX XXXX  /XXXX  XXXX # XXXX {$15000.00} XXXX/XXXX  # XXXX {$510.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) # XXXX {$2400.00} XXXX XXXX XXXX ( XXXX XXXX ) # XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$630.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : 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 AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  XXXX XXXX # XXXX {$490.00} XXXX/DEPT OF ED # XXXX {$17000.00} XXXX  XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX  # XXXX {$420.00} XXXX XXXX XXXX  /XXXX  XXXX # XXXX {$15000.00} XXXX/XXXX  # XXXX {$510.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) # XXXX {$2400.00} XXXX XXXX XXXX ( XXXX XXXX ) # XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$630.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  report a late payment on XXXX, XXXX  on my Individual Credit hurting my score ; I call them an explained that I made the payment on XX/XX/2024, they stated that I will need a proof of the payment, so I faxed the bank account from where the payment was sent by fax ; however, now they are denying that they received the fax, and still hurting my credit due to their lies and incompetence. 
They do nothing for the costumers, but when they have any opportunity they will hurt your finances. This bank is not good.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. 

XXXX XXXX XX/XX/year>. 

XXXX XXXX XXXX XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$22000.00} ; US DEPT ED XXXX {$3400.00} ; US DEPT ED XXXX {$2500.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1600.00} ; US DEPT ED XXXX {$3300.00} XXXX US DEPT ED XXXX {$7600.00} XXXX US DEPT ED XXXX {$5400.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1300.00}.
Product: Student loan

In XXXX of XXXX, I submitted a request for a cosigner release on three student loans, owned by XXXX and serviced by XXXX. The request was denied for a reason that was later determined to be inaccurate ( I made XXXX payment 16 days *early*, which violated a supposed rule AES had that " regular payments for four years '' had to occur within 15 days of the due date - they had actually changed this rule to only refer to late payments ). Ultimately, after waiting for months, no response was given. I met all requirements for cosigner realease, as far as I am aware. 

I submitted a second request for cosigner release in XXXX of XXXX. Since then, I have called AES multiple times and requested that they follow up with XXXX. XXXX has not responded to the request. 

Waiting for 2 years for this process is unacceptable. I would like action from XXXX to review my request ( and hopefully approve it ), so that these loans can be removed from my mother 's credit report.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXXCAPITAL ONE Business Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. CAPITAL ONE Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. These account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these account. I have requested on numerous occasions the proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these accounts.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose reporting a collection amount of {$2000.00}. This collection agency is performing unfair practices, in which this keeps the account reporting as open/ current and does not display a closing date on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section XXXX of title XXXX Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Mortgage

Approx XXXX XXXX 2015 I made complain against America Service Company I applied for loan modified and the paper work continue to get misplace from the Agency. I was never told they denial the claim, I began with a new Contact and they continue to ask for additional paper work I send the paperworked requested, When I ask XXXX the reinstatement amount he told he could not tell me and that home was not in foreclose status, after final talking with customer service, they said it was but could not give me a amount. I think the Company does not have any intention to help the consumer.Conflicting information.Omb # XXXX previous claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I received the findings of a false reporting in my credit report. The credit Bureau XXXX was asked to name there source and supply proof of the debt. This was not supplied the private source was never mentioned in the company response. The company also stated that the courts are contacted and this is not truthfull I contacted the courts and due to law they are not able to discuss any debt legitimate or not to any one outside of a consumer. Please remove this false bankruptcy off of my credit profile as the vendor was not supplied as asked and is reporting unverified information as confirmed with the nc XXXX system. The courts provided a document stating that they are not at liberty to report to any credit agency private or public as they are not creditor. This debit is not valid and must be removed immediately.
Product: Credit reporting or other personal consumer reports

I DEMAND ALL NEGATIVE, DEROGATORY ITEMS, MEDICAL DEBT AND LATE PAYMENTS DELETED IMMEDIATELY FROM MY CONSUMER REPORT ( XXXX XXXX Frauds and Swindles ) Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section XXXX of the XXXX XXXX XXXX XXXX XXXX and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Lastly, these accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. I need it delete at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a mortgage with XXXX/XXXX since XXXX. Sold home in late XX/XX/XXXX. 
XXXX is now Shellpoint Servicing. Shellpoint is reporting on my husband 's and my credit reports that we are 120 late and transferred to another lender. 
After the sale of the house! 
We were under contract purchasing a property when this showed up on our reports in early XXXX. We have lost our lender and our opportunity to purchase the property. 
Our credit is ruined until this is resolved. 
I have called and e-mailed Shellpoint daily. 
E-mails include all documentation of sale of house. 
I can not reach a person with any authority to rectify this. 
There is only one number to call XXXX. 
I will be reaching out to the Attorney General and a lawyer on Monday. 
I appreciate any help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter via USPS on XX/XX/XXXX and on XX/XX/XXXX Certified requesting the following accounts be verified and I be provided with method of verification. I have NOT received method of verification and received correspondence that information was verified and valid. I have attached copies of all 3 bureaus showing different information therefore information could not have been verified as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX XXXX  ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by our lender that there was a credit problem on my report with Wells FargoXXXX XXXX. The lender stated that according to the credit report, the XXXX XXXX  XXXX account was closed XXXX of 2020 and there was a {$7.00} outstanding balance remaining. 

The last payment paid to this company via their phone number was on XX/XX/2020 for the amount of {$210.00} which according to the IVR, that was the current balance ( not the minimum payment ). I was under the impression that the bill was " paid in full ''. I just received a bill for the Billing Cycle XX/XX/2020 to XX/XX/2020 for the amount of {$7.00} that is due on XX/XX/2020. 

The information on my credit report is false/not valid and is affecting my credit score tremendously especially now when I am in the process of purchasing a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have charge off and paid off accounts the have been paid off. Late payment information of account that I no longer have in my possession. Accounts I don't or didn't open in my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 reporting, credit repair services, or other personal consumer reports

There is an account being reported on my Experian credit report that does not belong to me. I have submitted multiple dispute letters with police reports and FTC reports attached along with identity information and Experian refuses to remove!
Product: Credit reporting or other personal consumer reports

I attempted to freeze my credit score with TransUnion. I called their XXXX number, and unlike the XXXX other credit bureaus, I was not able to request this option through the automated voice. Instead, it asked me to wait to speak directly to a representative, then they warned that wait times are very long so they recommended I use their website. So I then went to their website, created an account, selected the option to freeze my credit, but then received a notification that " this service is unavailable. '' I then tried to send an instant message using their website, and it warns " wait times are at least XXXX minutes. '' These are ridiculous hurdles for a very simple request. I was able to easily freeze my credit score with the other XXXX bureaus within minutes, and without needing to speak directly with a representative. These hurdles and poor service by TransUnion creates an unneccessary burden, restricting my basic right to protect my credit and identity.
Product: Debt collection

This company AFNI inc. has been harassing me about money they say i owe them. I have never done business with then or the company they represent. I disputed it with all of the credit bureaus. They removed it every time. This company has been sent multiple cease and desist orders via mail, email, and fax. They continue to harass me and provide no proof of anything. They also continue to report to the credit bureaus even though every time its invalid and it gets removed. If it continues i will be taking legal action against this horrid company.
Product: Debt collection

The cominety bank credit card debt collector calls my phone atleast 5 times a day every day of the week I only spent {$130.00} dollars on this card its very unnecessary to call that many times and just rude.