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

wrong information being reported on my credit report, and its affecting my daily life in a bad way causing XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous complaint submitted on case # XXXX Transunion and previous complaint submitted on case XXXX XXXXno investigation was ever conducted. the matter was closed premature and without consideration to the violations of my rights to have my credit information to be reporting accurately. 

The complaint previously submitted with concerns of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Was never investigated, and remains negligently reporting inaccurately on my credit profile. 
1. I have summited evidence XXXX was reporting inaccurate by a payment history statement from their system. 
2. I have never borrowed any money from XXXX XXXX, XXXX is not even a lender. My promissory not clearly states the lender I borrowed from was ( XXXX XXXX XXXX ) If an investigation was conducted, Equifax and XXXX they would have notice that loan was paid in full two month early from my contract expiration date. 

I opened the Loan with XXXX XXXX XXXX not XXXX  on XX/XX/2022 which makes it impossible for me to have accrued a late payment in XXXXXXXX XXXX, therefore Equifax just changed the inaccuracy from XXXX to alleging XXXX. 

I submitted proof that XXXX XXXXXXXX XXXX contract is legally voided due to their willful violations of the Military Lending Act. I submitted proof the XXXX XXXX XXXX themselves voided the contract and changed the terms due to their violations of federal Law.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below be blocked and deleted from my credit report due to being a victim of a data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), which allow for the blocking and deletion of fraudulent accounts resulting from identity theft. 
Below are the accounts and inquiries in question : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/2017 under the account number XXXX, with a balance of {$650.00} that appears related to the aforementioned Credit Card account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard Inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with Equifax, I have been trying to resolve this over a year now and they are saying they are fixing it but haven't and now it is effecting me purchasing a home. My middle name is incorrect and I have sent information they have requested to update it and they still haven't! I have called several times as well! So because my name is spelled wrong, I can't be identified, and because I can't be identified, I can't populate an accurate credit report. In order to get my credit score I have to call them or have them send me a current report which is very very inconvenient.
Product: Credit reporting or other personal consumer reports

I reached out to Experian about adverse information on my credit report due to XXXX XXXX. I sent all the documentation, and I did not get a response. This is a serious matter that is affecting me on every level in my life.
Product: Debt collection

I was contacted via mail and was given the option to settle my debt from XXXX   XXXX for {$460.00}. 
I am unable to pay them nor will I for the following reasons : 1 ) they were double and triple dipping into my bank account then sending the checks back as fraud because they claimed to have no knowledge of me having a bank account 2 ) I paid them for months but never had any money put back on my card 3 ) my credit cards from XXXX XXXX XXXX and XXXXt XXXX were stolen and when I called to cancel the cards I was brushed off with Snyde comments and then was told that my account was closed due to lack of payments and that they couldnt protect my security by closing my full account, yet am still being billed via phone for over {$80000.00} when I only owe just over {$3000.00} then when I called to complain about this the same man who was asking for {$80000.00} said that they were not aware that this was going on. 
4 ) because of their double and triple dipping into my accounts and irresponsibility they now owe me a total of over {$300000.00}. 
5 ) I was moving last year when they called to threaten me over a fraudulent amount
Product: Checking or savings account

On XX/XX/24 around XXXX I, XXXX XXXX XXXX deposited XXXX $ into the drive through chase bank located at XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX. Once I fed the ATM all the cash, I received an error message and a receipt prompting me to call customer service to ensure my deposit was processed. I called the same night and was told by a representative to file a claim through a separate corporate number in the morning. I then filed a claim at XXXXXXXX XXXX on XX/XX/24 as was instructed. I was then told to wait for the claim to be processed, approximately 2 hours to 2 business days. I called the next business day ( XX/XX/24 ) around XXXX to check the status of my claim. I was told the claim was denied due to insufficient evidence of my deposit. I asked to be escalated to a manager who then instructed me to go to the branch, as previously stated above, and request video surveillance footage along with a police report. I did so promptly after getting off the phone and spoke to the branch manager. The police were unable to get the footage due to it being a civil matter. The branch manager proceeded to file an escalated claim and now I wait 3-5 business days to determine wether I will receive my funds or not.
Product: Credit card

The day I applied for this XXXX XXXX XXXX XXXX, I was told via the phone that I was approved for this card with a {$20000.00} limit and they would ship the card to me immediately. After that conversation, I double checked my application status later in the day, and see that I was denied? This means that the phone support person lied to me. 

I'm attaching a screenshot of the email request for me to unfreeze my XXXX credit report. After I unlocked that report with the Bank of America representative on the phone, she initiated a hard inquiry on my credit report, and said I was approved for XXXX credit line, and would expedite the card to me via XXXX! This was not the truth, and I looked up my credit card application later in the day and was denied. Phone support was no help. I am a Bank of America customer with a checking account and a Merril XXXX account, and would like to know why I was treating so poorly.
Product: Debt collection

I enrolled in an automatic payment program with Wells Fargo to catch up my past due balances. THEY were the ones that failed to enroll me in automatic payments after I made my XXXX time payment over the phone. They had my verbal consent to make automatic payments and had my routing number and bank account number to pull the funds from. It was their clerical mistake that they " forgot '' to enroll me in automatic payments. Now, they call me repeatedly and refuse to admit their wrong doing. This morning, a woman named XXXX called me on my work phone, which I have NEVER given them. I told her it was inconvenient for her to call me at work and she continued to harass me and pressure me to make a payment. 

I have tried repeatedly with wells fargo to explain that I was unable to make my payments due to a large decrease in pay. The only number they have on file is my cell number, XXXX and they called my work number, which I have never given them, which is XXXX. A woman named XXXX calling from XXXX was very rude and I asked her NOT TO CALL ME AT WORK and asked her how she got my work number. She proceeded to pressure me to collect debt when I have tried several times to reconcile with Wells Fargo given my current financial situation. I told her I was going to report her because her treatment toward me was not compliant, and she proceeded to pressure me stating that she needed to collect my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have been a victim of identity theft for over 10 years, that being said I have several police reports and several ftc reports supporting my claims for identity theft, I currently have over 35 credit inquires with transunion and I have sent in supporting documents stating that these are fraudulent inquires placed on my report and transunion is refusing to remove to all the fraudulent inquires from my credit report, how can you help me with this matter?, please advise me
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due in 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 has caused significant inconvenience and financial loss, and I seek appreciate redress for these violations.
Product: Debt collection

I did not receive a notice to dispute letter. I am unaware if this account/debt.
Product: Mortgage

I was contacted by Good Mortgage ( unsolicited ) on XX/XX/2020 to do a refinance since rates had dropped and they were a retention company for my lender. I submitted all the information they wanted, and it was determined that I was under the 50 % DTI, but just barely and that they were sure we would be approved for a 2.875 refinance rate. My credit score was in the 800 's and my house payments were always made on time, usually on the first day of the month. I was making a {$3800.00} payment, and the refinance would have dropped my payment about {$600.00} - {$700.00} a month, so of course I would be able to make a much lower payment. Over the course of the last 3 1/2 months, everything changed. The first disclosures were in my name only. After a short while, my husband was added, then removed, then added again. I paid an exorbitant amount for an appraisal wherein the appraiser was not even at my house for 15 minutes, took no measurements, and could have easily used the comps as he came in at least {$350000.00} under the same types of homes in my neighborhood ( with similar upgrades of course ), but still giving me a ton of equity, about {$750000.00} - {$800000.00}. And, then magically, my under 50 % DTI was changed by Good Mortgage to well over 50 %, although absolutely nothing financially had changed in my life, except that my income had actually increased. Then, after that, Good Mortgage needed to show additional income of {$2000.00} a month via a letter, and we submitted that and met that requirement. In fact, we showed more than {$2000.00} additional coming in monthly. I have an entire email string from XXXX to today 's date that I can forward to you. Good Mortgage would ask for something which we would meet and that was to be enough, but every time we met their new requirement, there was another one. The goal posts were constantly changing. I can't say for certain, but my guess is that this is a scam to get the hideously high appraisal fee from as many people as they can and then submit their denial. That money adds up rather quickly and makes a lot of money for this company. Three and a half months in, and the person working on my file said " the discussion is closed. '' Again, I believe it is a scam to collect the very high appraisal fee from individuals with no intention of completing the refinance.
Product: Debt collection

Dispute Debt Collection Letter XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Durango Credit and Collection XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XX/XX/XXXX Dear Collector I was notified by your company on XX/XX/XXXX regarding an alleged debt. Ambulance Service transported me to XXXX XXXX XXXX XXXX, CO XXXX emergency room two times without being tested for XXXX and no real clear-cut diagnosis at the time, had symptoms of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not understand why the hospital/ambulance service did not charge the bill to my Medicare Card . I was XXXX XXXX XXXX and got XXXX two times and could not work. Some of the employees that work for the ambulance service was unprofessional and rude ( kicked my foot as I was waking up from passing out ). 

I request all the following information be provided to me by mail. Then amount of the alleged debt. The full name and mailing address of the original creditor for the alleged debt. Documentation showing you have verified that I am responsible for the debt. Documentation showing you are licensed to collect debts in Colorado. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law. 

Sincerely, XXXX XXXX
Product: Credit reporting

ON XXXX/XXXX/2016 I RECEVIED A CALL FROM THE LADY WHOM I WAS WORKING WITH TO OBTAIN A LOAN FOR A HOUSE. SHE STATED THAT THERE WAS A JUDGMENT FROM XXXX XXXX BANK IN THE AMOUNT OF {$6900.00}. THIS WAS SHOWING ON MY EXPERIAN CREDIT REPORT ONLY. I DID FURTHER INVESTIAGTION AND THERE WAS A JUGMENT FROM XXXX XXXX BANK FILLED XXXX. UNDER XXXX XXXX AND XXXX XXXX. 
ON XXXX16-I FILLED A POLICE REPORT # XXXX AND A DISPUTE WITH EXPERIAN GAVE THEM XXXX COPIES OF ALL THE DOCUMENTION REQUESTED FOR THIS MATTER. I HAVE CALLED EXPERIAN MULTIPLE TIMES TO SEE IF THE DISPUTE HAS GOTTEN ANYWHERE AND ALL I HAVE GOTTEN IS THE RUN AROUND. I WAS GIVEN A NUMBER FOR A SUPERVISOR LAST CALL I MADE WAS XXXX/XXXX/16 TO A XXXX ( SUPERVISOR ) @ XXXX NO ANSWER BUT I DID LEAVE XXXX MESSAGES. I HAVE MAILED IN PAPERWORK TWICE THRU PRIORITY MAIL TO HELP! THIS ISSUE HAS IMPACTED MY ABILITY TO OBTAIN A HOME LOAN FOR MY FAMILY!
Product: Credit card

Menards ( Capital One ) store credit card Credit card company drafted out of my checking account XXXX more than what was owed. When I called to get a refund I was told that it would take XXXX weeks to get payment. 

So very wrong - They will be sitting on my hard earned cash for 3 months collecting interest and not paying interest back to me. ( They charge me 25 % if I owe them money ) This is so wrong - Where is the consumer protection with these credit card companies?
Product: Credit reporting, credit repair services, or other personal consumer reports

After going through my updated Credit Report, which I purchased from XXXX, since the Credit Reporting Agencies failed to provide a free copy of my updated Credit Report 30 days after the date of my disputes, I am baffled to see that my Credit File still reported the fraudulent items and information on my Credit File. The disputed items remained on my Credit Report, and yet the Credit Bureaus have failed to provide me with copies of documents giving the fraudulent items the rights to continue their erroneous reporting. Let me remind the Credit Bureaus that under the FCRA Section 605b, any and all fraudulent items must be removed from a consumer 's Credit File if not proven to be accurate. I have been disputing these items for 4 months already, and yet the Credit Bureaus have not provided a single document. This action is a clear neglect of duty and responsibilities. I am submitting this Complaint to demand the Credit Reporting Agencies to remove the disputed items from my Credit File as soon as possible : XXXXXXXX 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 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. Not only did the Credit Bureaus not send me a copy of my updated Credit Report, they have not sent any documents supporting such misleading claims. I demand the deletion of all the fraudulent items completely from my Credit File.
Product: Credit card or prepaid card

XXXX XXXX store card issued and serviced by TD. When trying to make a payment on line and if using wrong user name it does not say that, it only prompts to new password. Then when I try to create new password, as that is what the TD payment system directed me to, it doesn't accept my SS # thinking that my number was entered in wrong by the store. In reality the user name is not right and this continues every month when trying to make a payment. confusion causes late fee of {$28.00}. I feel this is a " gotcha '' tactic to drive revenue on late fees because this is interest free account for 36 months. 
The customer service rep said their are other payment methods on line but I could never get on line because the user number was not correct, again it would only tell me password reset and then not allow password reset which then causes me to manually call and if I'm at a location where that is not possible or it's past hours or I'm on airplane or in meetings all day then and I'm past my US mail deadline to mail the payment, then I'm charged. 
They offered a reversal of late fee bACK in XXXX, but every month I have the same issue and sometimes it gets me - thus the unneeded difficulty that causes confusion, frustration and then a late fee that no matter what you say they will only refund every 12 months. 
All of my bank accounts that I pay on line will tell me when the user code is incorrect, but not TD. I feel this is a harmful tactic to make late fee revenue in place of interest free.
Product: Credit card

Sam 's Club Credit ( Synchrony ) bank reported 3 months non payment/late. I had not been billed as the address they had on file had not been updated. I was notified by collections at which time I paid the balance in full. It also indicated that my account was closed (? ). I would like the report so noted and corrected to show the account is open. Your assistance in this matter is appreciated. I have maintained a strong payment record and do NOT want to ruin my credit because of this.
Product: Debt collection

The only utility company in XXXX, OR will not give me service because of an almost XXXX year debt that has since been sent to collections and closed by the agency. They say they will continue to refuse me service until I'm in good standing with the debt collectors. Professional Credit Services. I'm very low on cash and don't know what I should do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Vehicle loan or lease

I took out an auto loan with XXXX XXXX on XX/XX/XXXX. The account closed on XX/XX/XXXX. I had been making perfect on time payments up until an incident that left me hospitalized, and out of work for months. I tried contacting the loan company to inform them of the tragedy and request some sort of accommodation. The customer service reps had no mercy to my situation. I fell under hard times. It was either medication, or a vehicle I couldn't use.
Product: Debt collection

The debt collection agent is claiming I owe money for a doctor visit that was paid through my insurance. they called someone not related to me, but at the same address, at XXXX XXXX XXXX, to try to reach me even after I asked them to stop harassing me.