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

This is my NUMEROUS request 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau has illegally added a late payment for my closed XXXX XXXX credit card that was paid over two years ago. The account number is # XXXX and this account should not be reporting any new activity, it has been paid and closed. I am attaching a screenshot from an XX/XX/XXXX credit report and a recent XX/XX/XXXX report I got from my mortgage broker. As you can see in the screenshot I highlighted, the credit bureau added a 90+ late payment date of XXXX for my XXXX XXXX account. This is impossible since the date of last activity for the account was XX/XX/XXXX and it is a closed account. Under the Fair Credit Reporting Act Section 605 ( c ), it is a violation for a creditor and credit bureau to try and " re-age '' an account by updating the date of last activity. I need this XXXX 90+ late payment to be deleted immediately as it is inaccurate and incorrect reporting.
Product: Mortgage

My original mortgage company sold our mortgage to a company called Specialized Loan Servicing Company. They are refusing to send us a monthly statement showing what our payment date is, escrow, principal, etc because we filed bankruptcy in 2011. This company has a licence in XXXX, NY for a collection agency with no physical address. They also claimed that there is a investor in our home. I contacted the XXXX and this company has an F rating. We are current and up to date. I do n't know what to do, they will only accept payments from XXXX XXXX or direct access to remove payment from our bank account. We need help.
Product: Credit reporting or other personal consumer reports

The following accounts needs to be deleted from my credit report as soon as possible ; DEPT OF EDUCATION/XXXX account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX These accounts are in direct violation of 15 USC 1681S-2 ( A ) ( 1 ) ( E ) ( ii ) rehabilitation of private education loans these loans have completed the rehabilitation process .
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my credit report from Factual Data on XXXX. I was advised that this was for a mortgage. I just purchased my home last year and would have no need to apply for a mortgage. I have not applied for any credit and did not provide consent for anyone to review my credit file for any credit offer since I was not applying for anything. This has lowered my credit score and that is a damaging factor as I am trying to build my credit.
Product: Debt collection

I have made multiple attempts to correct this issue of inaccurate information reporting to my credit files namely XXXX as the other credit bureaus have complied with the inaccuracies of the collection agency XXXX and the lack of validation provided to me upon my requests from the collection agency, I have never been served properly as stated in their prior response and the per the statute and their own admission this item should be removed from all credit reporting agency 's that they have reported it to as of XX/XX/2018. However it still reports to XXXX as the other agencies have complied with the law. Attached is a letter from XXXX XXXX regarding the account and their statement saying a request to remove this obsolete data from the credit agencies should be done from their end XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$1100.00} Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6500.00} Late/Open
Product: Money transfer, virtual currency, or money service

I transferred money thru Zelle thru my bank XXXX XXXX. I sent it to the wrong number but after 2 minutes got the correct number and corrected it. I called my bank to let them know. After a few days, I received a letter from XXXX XXXX  that they can not help me get my money back which is {$1100.00}. My complaint is- if it was reported to my bank within minutes the error was recognized, why did the bank put on hold the transaction and reverse the payment. They have all the power to reverse the payment, if the person and phone number doesn't match. Just like what you do with wire transfers. I sent a message to the person with wrong number to return the money but did not return it. After talking to my bank who insisted they can not help and suggested I called Zelle, which I did, now Zelle is telling me that they can not help and should call my bank. My questions is- how are the consumers protected from this kind of kind of mistake. Who takes responsibility. If the person 's name does not even match, why process the transfer?
Product: Mortgage

I have been trying to reach my mortgage lender, New Rez Mortgage, by phone for some time. I have tried both customer service numbers found on their website, but continue to get a fast busy each time I call. Additionally, I tried to email the individual who processed my loan and received an automated message indicated the email address is no longer valid. As a result, I am not able to reach anyone and am extremely concerned of the viability of this company. Any assistance or information you can provide would be most appreciated.
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 timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 have caused significant inconvenience and |12 financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Recently, Flagship Credit Acceptance started reporting a {$9700.00} debt on my credit report. Prior to this debt appearing on my credit report, I never received a notice of my right to dispute. Failure to provide such notice is a direct violation of my rights under the Fair Debt Collection Practices Act ( federal law ). In an attempt to cover their illegal activity, they have " fabricated '' letters to make it appear I was given a notice of right to dispute. However, this is just a feeble attempt to veil their transgressions.
Product: Credit reporting, credit repair services, or other personal consumer reports

is showing information that doesn't belong to me. I was contacted by a debt collector previously. I informed them that I had no outstanding balance with the company, but they convinced I did. I did not think about the call until last months when I obtained an annual credit report. I believe that I am a victim of ID fraud. I noticed several accounts that I did not initiate. A very scary situation. I want to remove all fraudulent accounts immediately. I need to have all unauthorized activity stopped now. I have since hired a monitoring service to help me recover from this unthinkable situation. Thank you in advance for your assistance. Accounts affected by XXXX Credit Card opened by thief : Company : XXXX XXXX XXXX Account Number : XXXX Balance : {$990.00} Company : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : {$65.00} COMPANY : XXXX XXXX ACCOUNT NUMBERXXXX Company : XXXX XXXX XXXX Account Number XXXX XXXX Balance : {$990.00}
Product: Credit card or prepaid card

I was in need of a balance transfer card for XXXX, found the AMEX everyday card that advertised 0 % APR for 15 months and no balance transfer fee. Sounded great so I tried to apply to see what I was approved for. While I was waiting I read some reviews and found out there was a {$5000.00} balance transfer limit. This was not advertised anywhere and will not work for my purposes! 

Come to find out I was already approved! I had to open and close an account which will hurt my credit I believe. Even though the application was submitted minutes ago they had no ability to cancel it. 

They need to first off advertise they key features of the card better! At the very least they should make a distinction between applying and accepting a card offer!
Product: Payday loan, title loan, or personal loan

OnXX/XX/XXXX I called XXXX XXXX store # XXXX @ XXXX. In reference to a title loan that 's currently on my credit report with Ad Astra Recovery Service @ XXXX. I called ad astra to inquire about them removing said accounts from all 3 Bureau bc the vehicle was towed, sold and a lien release was giving for the title. While my account was n't updated with transfer of sold vehicle. Mean while Ad Astra Recovery stated, " they no longer had my account it was referred back to title customer service @ XXXX  or customer relations @ XXXX XXXX Which never udated my account to different status or collection agency. Ad Astra also informed me that they cant keep the collection account for over 181 days. On XX/XX/XXXX I recieved a call back from " title customer service '' stating debt was still owed whether they have my Collateral or not. She also implied that their were 6 outstanding loans on this vehicle totalling over 6,000.00. I replied to her I never got more than 2,000.00 in any of those title loans and that their is fraudulent activity going on at XXXX XXXX i.e to all the title loans or bank loans associated with my account at XXXX XXXX store # XXXX. I ask the representative to please remove ad astra from all 3 bureau and she declined. Bottom line is ad adstra no longer has my collection account and I want it removed or with an updated balance from when the car was sold by XXXX XXXX in XXXX XXXX. They housed the vehicle for 2 yrs b4 it was sold so it should mean that XXXX XXXX XXXX owes XXXX XXXX the Title, my guess. Lastly the only reason why I knew the car was sold in XX/XX/XXXX. Ironically, I recieved an inbox from XXXX XXXX of the buyer of my XX/XX/XXXXXXXX  asking if I had the original key to the vehicle to get the trunk opened. The loan number that was giving reflects my credit report and Ad Astra Recovey Service no longer has Responsibility to hold my account as a debt. I am all out of options and in desperate need of help. Thank you in Advance.
Product: Checking or savings account

I created an account with the name I used at every of my financial institution and here is same I used at PayPal.inc, my drivers shortened my name which is the same license I used with every other bank verification and it was accepted, they asked me to change the name which I did and then they asked for each bank statement of all my cards linked to the PayPal and I made effort submitting them, my boss paid me {$1000.00} to my account for a maintenance job I was supposed to go fix on Saturday and till now I havent gone because I couldnt access my PayPal account, then they came this morning saying they cant offer me there service anymore after I went to through stress and submitting all kind of document to XXXX knows who I have been submitting it to in PayPal app, if they really cant offer me there service let them refund the {$1000.00} back to my boss and take there account back I dont need it or they release my account for me to take my money out and unlink all my cards and bank details from it, I really cant wait 180 days for all that drama they have started since Friday I have been waiting.
Product: Vehicle loan or lease

To Credit Acceptance Corp XXXX XXXX, XXXX RE : Repossession and Disposition of Vehicle VIN : XXXX This company is in violation engaging in a repossession without written notice, without a timely letter to inform of the repossession, how to retrieve the vehicle in a timely manner and predatory loan practices. The vehicle was repossessed in XXXX of XXXX, I never received a letter until XXXX XXXX of the sale of the vehicle with the amount remaining of {$6400.00} This company is currently under legal dispute for the same issues in a class action lawsiut
Product: Checking or savings account

Upon three occasions, {$100.00} has been deducted from my account. The first deduction occurred on XX/XX/year>, the second was on XX/XX/year> and the third was on XX/XX/year>. The three transactions occurred at an ATM in XXXX, Oh without physical access to my card. 

I called Capital One after the first and second transaction to dispute the claims. Capital One declined the claim on the basis that this was a Chip Card transaction. Capital One declined to provide any investigative evidence to support their rejection of my claim. They told me that there was no way for me to contact anyone other than the Claim 's department and that the Claim 's department was not able to discuss with the team that performs the investigation. On both XX/XX/XXXX and XX/XX/XXXX, I was physically in a facility several miles from the ATM where the transaction occurred. After this claim, Capital One issued a new card. 

On XX/XX/year>, the same ATM was used again to take out an amount of money equivalent to {$100.00}. Upon calling Capital One, they filed a claim on my behalf. However, they still are unable to provide to me information on why my previous claim was denied and any additional information. Even after discussing that all three transactions occurred when I was not physically near the ATM. 

I am currently out over {$300.00} and Capital One is rejecting my claims but yet not willing to provide any detail on their investigation. This is not acceptable that I am unable to obtain information on claims.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX was the last loan I had paid off for the amount of {$230.00} Accordingly to XXXX XXXX I re-loaned on XX/XX/XXXX for an amount of {$250.00} owing them {$290.00} on XX/XX/XXXX. I came to find out on XX/XX/XXXX of this loan as XXXX called me from XXXX XXXX as a courtesy reminder, advised XXXX I have not stepped into there located for a loan since the last time I loaned which was In XX/XX/XXXX, she explained that they have a signed contract by me, she provided XX/XX/XXXX as the date I walked in there and loaned for {$250.00}. I explained to her It could not have been me since I was at work from XXXX-XXXX & have records of being in the office all day without leaving at any point during the day. She did not try to help in launching an investigation to see what happened, I went into the located today XX/XX/XXXX to pay the loan amount of {$290.00} so that amount will not go into collections for me not paying, as I was there I asked for a copy of the contract I supposedly signed on XX/XX/XXXX and signature on Check & Contact are nothing alike to my signature. I explained to XXXX this is not my signature on this paper & she seemed nervous when she said " It can not anyone 's else 's signature other than yours ''. I'm attaching A copy of the contract & check from XX/XX/XXXX & also a copy of the last loan check that was cashed with my correct signature from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  # XXXX, has violated my rights.

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

XXXX This is not my debt.
Product: Checking or savings account

On XX/XX/2024 I deposited my work check for {$380.00} through mobile deposit via Wells Fargo banking app. This is normal for me, as it's a work check I do it every week. 
On XX/XX/2024 my check was deposited a second time at a " XXXX XXXXXXXX XXXX '' located up north, in the New Jersey area* ( the specifics were discussed with the branch manager, but not included in my claim ). Well Fargo as a result withdrew {$380.00} from my account, leaving me at roughly- {$300.00} around the time of XX/XX/XXXX. 
I filed XXXX claims, not on purpose but because Wells Fargo customer support was completely unable to help in any regard and seemed genuinely confused at my problem. As a result ; most of my effort to fix this issue was with the Branch Manager of XXXX Wells Fargo XXXX XXXX, who while helpful in identifying the problem, did nothing in regards of actually trying to help me as an individual. An escalation was filed, but was never given a response. I was given no advice on this matter, I was not adviced to file any paperwork to Wells Fargo, report identity theft to the police, or generally any option besides deal with it. 
My employers vouched for me as well as tried to get the issue resolved, as I had to work all week XXXX XXXX We were simply told the issue was out of wells Fargos hands. I've never cashed a check, or even made a mobile deposit outside of NC, XXXX in the entire time of having an account with Wells Fargo, of which I had for awhile no issue. I couldn't of even been where the check was cashed, halfway across the country. 
This has caused extreme problems for me as an American who lives paycheck to paycheck under XXXX $ a week. As a result of this, I was unable to pay my bills, had to go without food, faced XXXX, and much more. It's only thanks to my community that I'm even able to make this report, which is nesscessary because despite all the hardship I've faced Wells Fargo now wishes to collect the " debt '' I owe them.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX # XXXX -DATE OPENED XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX XXXX BALANCE {$620.00} XXXX XXXXXXXX XXXX XXXX # XXXX -DATE XXXX BALANCE {$0.00} XXXX XXXX XXXXXXXX -DATE XXXX - BALANCE {$0.00} XXXX XXXX XXXX -DATE XXXX BALANCE {$0.00} XXXX XXXX XXXXXXXX -DATE XXXX - BALANCE {$6200.00} XXXX XXXX # XXXX -DATE OPENED XXXX BALANCE {$2500.00} XXXX XXXX XXXX -DATE XXXX BALANCE {$3300.00} XXXX XXXX XXXX XXXXXXXX XXXX BALANCE {$470.00} XXXX XXXX XXXX XXXXXXXX XXXX BALANCE {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX OPENED XXXX BALANCE {$400.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX has reported three separate accounts as delinquent on my credit reports with all three agencies. Not only did they report these accounts as delinquent on my account, they sent them to a collections agency who also reported the accounts as in collection on my credit reports. I have never received a bull or phone call from either of them. To make matters worse, when I called XXXX XXXX six weeks ago, I spoke with a supervisor who admitted to not sending any letters and also stated she would reach out to the collection company and have them and Sound Physician remove these three accounts from my report. I'm not sure why they reported these medical bills because these bills were accumulated on behalf of my special needs son who has XXXX and all of his medical bills are paid for 100 % by XXXX. The supervisor admitted to having spoken with XXXX and XXXX advised them to terminate the account. I have reached out to all three credit bureaus and filed disputes to no avail. My credit is ruined and I would like them to remove themselves from my credit report as they are knowingly reporting a lie to get paid for accounts XXXX has already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 XXXX XXXX made a fraudulent inquiry to my Transunion report. Transunion has instructed me to contact each company making the fraudulent inquiries, individually.
Product: Credit reporting or other personal consumer reports

XXXX XXXX agreement was to delete the information I wrote Equifax and showed my evidence and they still didn't do a proper investigation