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

XXXX XXXX XXXX is reporting a 30 day late payment in XXXX of 2020 during the first month of Covid-19 Shutdowns. I made an arrangement with them, wrote a Good WIll letter and they refuse to remove the late payment status with all of the credit bureaus. 
Under The CARES Act, which was signed into law on XX/XX/2020, Act amends theFair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for update. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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.
Product: Payday loan, title loan, or personal loan

I applied and got a great offer. I accepted all documents and conditions. It came to verify my identity and It asked for my SSN. I put my ssn in correctly and it logs me out in an instant. I tried this for a couple days and even on my sisters phone tried to log in. Didnt work just logged out instantly. This time I put in my SSN with one number off and it let me pass. I get to the page where I review and sign my offer, its asking me to verify my identity and make sure I put in the right info.. I corrected my SSN, guess what? It logged me out AGAIN! Few hours later I log back into the app and this time I havent put in my SSN its asking me security questions about my pasts like what car Ive had and where Ive lived. Ive answered those and it said they will contact me by email if Im verified. And got logged out instantly. Now I tried to log back into the app and its not even letting me click on verify my identity I believe its from trying to make duplicate accounts. I need actual help. Resetting my phone and etc wont help I tried that a million times and Ive gotten generic responses from you guys. Which never helps because Im sure everyone resorts to resetting their phone if it start acting up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

DIVERSIFIED CONSULTANTS INC opened : XX/XX/2018( 2 mos ) i have tried to resolve this issue of identity theft on my credit. i need your help to resolve this for good on my account, i have been trying to purchase my first home and this problem as stopped me and my family from doing so. if you could please help me to remove this off my account i would greatly appreciate it.
Product: Debt collection

I disputed the claimed debt of {$1100.00} to Kahrs Law Offices, P.A. on XX/XX/XXXX by informing them that I do n't owe this money. On XX/XX/XXXX, they sent verification claiming that it is valid debt that is past due ; however, this is a time-barred debt because written contracts in the state of KS is five years, and with XXXX, this goes back to XX/XX/XXXX. In other words, this exceeds the statute of limitations for the state of KS ; therefore, I do n't owe this money they are claiming, and I want all collection practices to stop.
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 inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : 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
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Or XXXX XXXX XXXX I would like to file a complaint against Concora credit Destiny Mastercard and XXXX XXXX XXXX XXXX for violation of the consumer law in XX/XX/year> i went on Medical leave i file a claim with XXXX XXXX XXXX  XXXX but XXXX XXXX XXXX XXXX failed to make a payment on time to my credit card acct but the predator concora credit Destiny Mastercard Overcharges fees and interest this is a rip off consumers plus monthly {$19.00} charges during the time of my medical concora Destiny mastercard started reported my acct past due to all three credit bureaus and i still on medical all the payment concora Destiny Mastercard received used as a fees and interest also i was charges fees for cash advance but i have never used my card for cash advance i supposed to be protected during my Medical leave but i didn't until today my credit card still negative balance i don't know happen to all the payment i want to see action taking against both companies for violation of the consumer law I want CFPB to share all the information with Government agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I initiated a dispute. About negative information/ errors on my credit report. XXXX failed to provide me with the information I requested. As a result of not receiving the original signed credit application for the debt, the cashed checks used for bill payment or original billing statements XXXX allowed the debt collector ( s ) to post a alleged balance/debt as " past due ''. 
( See attached ) XXXX XXXX agency has no original creditor ( s ) noted on my report and this company appears multiple times. 
The debt collector XXXX has NO CONTACT INFORMATION '' listed on the report no phone number only a po box address. 
This is unfair to the consumer because one can not even contact the debt collector. So, I wonder if I the consumer could not contact the credit .how did experian contact them if at all. This could be the reason experian allowed the debt collector to continue posting this alleged debt on my credit report ( see attached )
Product: Checking or savings account

XXXX XXXX date is XX/XX/XXXX, the situation I have is with Truist Bank, after the XXXX XXXX XXXX and note I am a veteran just like all the banks they are delaying transactions. In this case they delayed a processing of a check and gave me a overdraft charge, and because I don't have overdraft protection, they ran it through 2 times, And did not give me the check that they ran through so they can keep resubmitting it on a negative balance. I tried to call and rectify this problem with the number they provided. And just like with downtown parking in XXXX when they boot your car they're hard to get in touch with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX i moved to XXXX. I had sold my XXXX before moving because I was approved to but a car at XXXX in XXXX XXXX, instead of having the car transported to XXXX since I would be in XXXX with my rental truck I was going to pick the car up there and save whatever amount of money it was not to have the car transported. But when i called to speak to the XXXX XXXX I was told the loan had to be rewritten and now I do not qualify. I only had my letter from my employer for the Amt of money I would be making. So i couldn't purchase the car. After I was able to secure employment i had applied to several places for a vehicle and I was at first told I would be approved and then all of a sudden I wasn't and there was either one excuse after another why I couldn't be approved or that my deposit went from XXXX to like XXXX XXXX or my paystubs looked funny. It seems that someone was contacting these places I was applying for. It seems I may have been under some kind of investigation all the time I am asking law enforcement for help with what i was being put through. so my complaint is against the credit reporting agencies for what i believe have been manipulating my credit score to keep it low so i can not purchase a vehicle at the behest of law enforcement of an individual or group.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX XXXX XXXX XXXX was closed on XX/XX/2017. This card had a maximum line of {$500.00} and was closed " due to delinquency of payment ''. The statements were, in the months before closure, being mailed to my daughter 's address in Utah, where she had moved to attend school. While there she became XXXX and admitted for an extended period of time. Because of this unfortunate event, the statements apparently went unheeded as she lived alone. As the statements were being sent to a different address than mine ( in the XXXX area ), I was unaware of the issue. 

After a period of non-payment, I was finally notified of the delinquency by a member of the XXXX XXXX 's Collection team, whereupon I IMMEDIATELY visited our local branch in XXXX, IL and discussed this with my personal banker. He and I then contacted the XXXX XXXX credit card department and discovered that the card was in fact closed with an outstanding balance including late fees coming to a total of {$480.00}. I IMMEDIATELY authorized a payment over the phone to satisfy the outstanding balance and all fees. As a co-signee I feel the bank had an obligation to let ME know the account was overdo BEFORE the card was closed and before this situation was reported. 

As a result of this situation my credit rating has gone from close to XXXX down to the low XXXX 's and I feel that I should not be so penalized. Expediency in this matter is important because I am currently in the process of attempting to procure pre-approval for a new home mortgage.
Product: Debt collection

On XX/XX/XXXX I contacted Harris & Harris , Ltd., as they are collecting for a ticket that XXXX XXXX had no right to issue, expired registration. My vehicle 's plates were suspended prior to my registration expiring. My XXXX XXXX and I spent XXXX days trying to figure out why my car was towed. After XXXX days I get a ticket stub mailed to me by XXXX. XXXX XXXX, my XXXX got the whole copy of the ticket. I asked him what XXXX  or XXXX signed that ticket? No XXXX  or XXXX list or appears on the ticket. This makes the XXXX vehicle that has been STOLEN from me by said XXXX XXXX. The XXXX one was a motorhome, I got the letter of error XXXX days after my home was auctioned off by XXXX XXXX XXXX  Now I have issues with XXXX XXXX as it all started from a release form that said tow company requested from XXXX XXXX XXXX. XXXX XXXX XXXX said there was no citation issued so there is NO NEED for a release form. Now after XXXX days I am being told that a {$50.00} ticket cost me my car the same as the error from my home. 
Please help the reference number from Harris & Harris is XXXX, the violation date on this form is also incorrect as my car was towed on the XXXX of XXXX XXXX, not XX/XX/XXXX. The ticket says the issue date of XX/XX/XXXX. So where did all these changes all of the sudden come from? XXXX XXXX is what they are avoiding here as it very plain as day and I am owed in access of over {$24000.00} from this SCAM. 

Thank You So Much XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete XXXX disputed account XXXX I note that XX/XX/XXXX and XX/XX/XXXX have deleted this false account a long time ago, but Experian is still showing it. Attached is copy of my 3 bureaus report.
Product: Credit reporting

Three weeks ago I requested my annual free credit report online with www.annualcreditreport.com. A screen popped up and said I could n't have access to my online report yet, they would send me a code or pin to use by mail so I could access my report. I also requested 2 weeks ago by their phone automated system for my reports and still they refuse to send me my credit reports from Experian, XXXX, and XXXX.
Product: Credit card or prepaid card

On XX/XX/2020, I paid double the minimum payment for the month of XXXX. The due date is the XXXX of each month, so I paid nearly two weeks in advance. Somehow, XXXX XXXX XXXX   takes longer than any other credit card I have. Because of their lengthy amount of time to accept my payment, which I choose the day of in which I log in and make the payment, I get charged late fees and my checking account ( XXXX XXXX  ) that I pay for the XXXX XXXX XXXX  fee is getting multiple insufficient funds charges because XXXX keeps trying to pull the money TWO WEEKS after I paid ( earlier than the due date )! 1. How am I being charged a late fee when I paid nearly two weeks early? 2.  When I called customer service, the representative could not help me and her only advice was to manage my finances better ( hence why I pay near the beginning of each month to AVOID late fees and issues on the due date ( XXXX of each month ). Because of the payment not being processed, XXXX CLOSED my credit card and now my credit is going to absolutely plummet. I called customer service on XX/XX/XXXX, and I paid my bill on XX/XX/XXXX for my due date of XX/XX/XXXX of this year. That shows how long and ridiculous XXXX takes to process payments. I always try to pay more than double the minimum payment, so this whole situation is very upsetting to me.
Product: Debt collection

XX/XX/XXXX and various other dates on XX/XX/XXXX called daughter asked for me and said if She didn't give info he has other relatives he can call..He has my number I just don't answer. 
Has called my work numberous times after I told Him not to Calls other relatives eventhough He has my correct address and phone # and I have asked Him not to. 
XXXX XXXX is the caller XXXX XXXX is the agency XXXX ext XXXX
Product: Debt collection

Resurgent Capital Services is representing LVNV Funding LLC, or as the " servicer '' of a alleged debt that was supposedly purchased by LVNV Funding , LLC. Resurgent Capital also retained the services of a third party to collect on this fraudulent debt. Resurgent and their third party servicer have been notified in writing that this is not a valid debt. This written notification was sent via USPS certified mail. Resurgent has accessed my credit files and reported a collection on behalf of LVNV Funding LLC . Resurgent claims to be in compliance with the Fair Debt Reporting Act, however they have violated many of the rules, regulations and/or laws associated with the " FDRC. '' Additionally this company has also violated portions of the Fair Debt Collection Practices Act. A representative with this company 's complaint department, XXXX XXXX, has made statements that imply that there are XXXX separate laws, XXXX set which applies to me as a consumer and a different set of laws that apply to him/her and the company s/he represents. This person also claims that I issued a cease and desist, which is a bald faced lie. In fact, what I did say was that all communication would be documented and any/all phones calls would be recorded. I also stated that I would not show the smallest amount of common courtesy or respect to any person associated with this company. I have been subjected to defamation, discrimination, implied threats, etc. According to this XXXX XXXX, s/he conducted an investigation and could find no evidence of any type of mishandling that I had claimed to have occurred. That was of no surprise. The representatives of the company have a proven track record of being less than honest. Also according to this individual, upon the purchase of this alleged debt by LVNV Funding, all rights to the account were transferred with the purchase of this account. Which gives them certain rights pertaining to the collection of the debt. Also according to this individual LVNV Funding has confirmed this account. If all rights were transferred to this company, this company needs to comply with ALL rules, regulations and LAWS. Which again, they have implied that they and their third party servicer can legally circumvent certain laws. I have stated I would gladly meet any one of these people in a court of law. I went as far as to furnish the jurisdiction which would hear this case. It should also be noted that I have in fact used several " foul '' words in my written communication with this company. I am sick and tired of these people threatening or issuing implied threats. I am sick of the defamation and discrimination that I have been subjected to by these individuals and their third party servicer. I am fully aware that this company and LVNV Funding LLC . are subsidiaries of the Sherman Financial Group. This companies operate under numerous names, in an attempt to hide and not have to answer for their fraudulent and illegal activity.
Product: Credit reporting

Sent a certified letter to Experian asking for documents they used to verify that this account was correct and mine. Received credit report that just stated verified with no supporting documentations. Spoke to rep over phone and was told that they do n't have to provide me with anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received a contract with my signature on it and my signature was forged on the certificate they sent me any inconsistencies with all XXXX reports all different amount Lvnv funding claim plus u never agreed to selling my dept to a 3rd party plus my names is not XXXX XXXX. 
I may need to sue for definition of character Too many inconsistencies
Product: Mortgage

The mortgage company PHH has locked me out where I can not go on line to upload documents and they call me and when I say hello the hang up I informed them last month that I have been affected by the Covid 19 Pandemic and now they are attempting to accelerate my loan and they already sold one my other unit for {$15000.00} and they are trying to rip me off for {$89000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries : XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

I'm XXXX XXXX years old, retired, total annual income about $ 50k. I want to buy new residence home for $ XXXX - I have $ XXXX in my savings accounts and I need to borrow $ XXXX against my XXXX properties ( fully paid-off, no debt ) as collateral valued over {$1.00} mil. until I sell my present residence in XXXX months. I don't want a mortgage, I need a home equity loan or bridge loan or personal loan, whatever the name of this loan is. Regretfully, today the banks do not do this kind of business anymore since they started to operate under " guidance '' of the congress after XXXX  financial crises ( created by the banks and the congress itself ). In other words, banks stopped being a bank in a classical sense. I addressed many banks - XXXX XXXX ( over 30 years with this bank, paid off several mortgages in the past ), XXXX  XXXX XXXX, XXXX XXXX, local banks- Sandy Spring Bank and XXXX XXXX, etc. - no bank can offer me a loan against collateral... 
Please advise where I can borrow $ XXXX against {$1.00} mil. collateral. Thanks.
Product: Credit card or prepaid card

I received a call today ( XX/XX/XXXX ) from XXXX asking to verify a loan application that I did not make. Based on this call, I pulled my credit report and found two hard credit pulls that I did not authorize : 1. " TD BANK USA/TARGET CREDIT '' ( XXXX XXXX XXXX XXXX, MAIL STOP XXXX XXXX XXXX, MN XXXX ) on XX/XX/XXXX. I called TD 's Target credit card phone number ( XXXX ) to inquire why a hard pull was made on my report. I gave them the information they requested, including my SSN, and they could not find a record of an application under my SSN, nor could they tell me why they made the unauthorized hard credit report pull. ( see page XXXX of " XXXX '' ) 2. " XXXX XXXX, XXXX XXXX '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. I called three different numbers for XXXX and the XXXX XXXX credit card line, and all of them required me to enter my account number or SSN. Because I have no account number, I entered by SSN, and because I have no account with XXXX XXXX XXXX XXXX, their records found nothing. I tried entering XXXX to reach a human being, swearing, etc. and was unable to connect with a human being. I called XXXX directly, and they transferred me to the same automated line requiring an account number. ( see page XXXX of " XXXX XXXX '' )
Product: Debt collection

I have received a letter from XXXX XXXX XXXX. The letter indicated that I owe {$6400.00} to chase Manhattan Bank, which they are willing to settle it for half the amount. When I called them they wanted my social security number and date of birth to reveal any information to me. I didnt give any of those information, then i contacted chae bank which they informed me that I do not owe them any money. My credit is excellent and do not owe any credit company any past due. Please look into this company. I am afraid they hurt my credit report.