23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureaus over and over to let XXXX, Equifax and XXXX know that these accounts are not mines XXXX XXXX XXXX and XXXX XXXX XXXX accounts are not mine and don't belong to me. I am noticing that there is personal information that is incorrect on my credit report and I have asked them to remove the wrong personal information of my credit report as of XX/XX/2024 it has not been done. At this point if the CFPB can't help me I will be filing for Litigation and taking further legal actions as I have filed police reports, FTC reports and sent in other fraudulent evidence legal documents and there has been no action taken especially from XXXX they keep stating that they feel like I am working with A third party which I am NOT. 15 U.S Code 1681 c-2 A Consumer agency shall block the reporting of any information in the file of a consumer that the consumer identifies infuriation that results from an alleged identity theft not later than 4 business days after the date of receipt. I have reached out multiple times and the credit bureaus are now in VIOLATION because I am a victim of identity theft and I am claiming fraudulent accounts were open in my name without my CONSENT. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. CODE 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer reporting unless the following circumstances and no there. ( 2 ) In Accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agony WRITTEN CONSENT torpor anything on my consumer report which violates my rights as a federal protected consume. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

On XX/XX/2018 my wife did let she do every month went to XXXX XXXX  to do a debit transaction with our XXXX XXXX debit card. She was transferring a total of {$1000.00} from the XXXX XXXX debit card to our XXXX XXXX  account but the transaction was decline because there was only {$1000.00} on the XXXX XXXX debit card and she thought it was {$1000.00} on the card. The transaction did not go through I was charge a {$1.00} for a decline fee. After this my wife decided to wait for the next day to redo the transaction because XXXX said they could only swipe the card once. My wife left the bank to go to the store and the card was decline because funds were not available. At that time i went on line to look at my account and saw where it had the {$100000.00} pending so I called the customer service number and they told me that my money would be available in 6 hours so I took their word for that. The next day I went on line to look at my account and my money was still pending. I called the XXXX  XXXX customer service agent again and this time they said that I would have to have XXXX XXXX send them a memo stated that they will not try to get the money back and then they could release the money in 6 hours. We went to XXXX XXXX  and the customer service agent said that once the transaction was decline they had no legal rights to the money so they were lost on why they had to send any kind of statement in reference to getting our money back. I called the customer service agent again and told her that we needed our money and she said she would see what she could do. I gave XXXX  2 days and I went to look on my account and still the money was still pending. My wife went to XXXX XXXX and called one of the supervisor at XXXX XXXX and she had one of the customer service agent with her and the custormer agent from XXXX was willing to tell the agent from XXXX  XXXX that there was no way that they were going to come back and take the money back that was decline but the XXXX XXXX supervisor would not talk to her on the phone and got very up set with us. Today is the XX/XX/2018 and our money is still pending on our account. I have not paid my mortgage and other bills because XXXX XXXX still have my money pending. My name is XXXX XXXX and I would like for you to help me resolve this problem so I can get my money to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account was removed from my credit report in XXXX of 2020, and reappeared in XX/XX/2020. It showed 30 days late back in XXXX when I called to find out what was going on they advised I called to close the account. Ive never contacted XXXX XXXX to close the account, that was the first line. I was unable to view the account online to even make a payment. The access was restricted. They sent me information to review my information to verify if this account is mine. I was locked out of my account for months, received no statements had no idea what was going on with the account. I finally was able to get access to account in XXXX after months of no assistance. I was denied access to my account, they removed the account from my credit report and added it back closed with a 30 day late that was originally XXXX they updated it to XXXX once in the beginning of XXXX before the payment was even due and towards XX/XX/XXXX. The reporting is inaccurate. The account has been closed since XXXX yet it was just updated this month XXXX as being closed. So XXXX XXXX reported my account being opened for months when it never was opened.
Product: Debt collection

XXXX XXXX XXXX has been reporting inaccurate information on my credit report. My identity was stolen and as a result, false inquiries, was made on my behalf. This account, is a brought debt, so the company doesnt own the debt.15 USC 1981 XXXX Numerous disputes were filed, with no results
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received an alert from XXXX  Credit Bureau of a collection from the following company : Lockhart , Morris & Mont XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX I never received anything in the mail regarding a debt for XXXX  XXXX. I made several attempts to contact XXXX  XXXX and in one occasion, I was told by a lady in the name of XXXX the debt was for back in XX/XX/XXXX of XXXX. This is almost 10 years ago. I explained to her that I never received a statement I that I had moved 3 times within the past 10 years. She could not give me much information as it wasnt available. I requested to speak to a supervisor at their Financial Services department and was transferred to a XXXX XXXX. I left 2 voicemail messages for her and as of today, I never received a callback to address this concern. 

I disputed this collection with XXXX  and they verified that the collection agency verified as being accurate. My concern is that this is past the Statue of Limitations which I believe is 5 yrs and this collection is just now appearing on my credit. I need help with this matter. I need this collection agency to remove me as soon as possible. 



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Product: Mortgage

I received a right to cure default letter from Wells Fargo.. 
since that letter I have requested no less than 5 ( five ) times assistance from Wells Fargo to get my original loan documents, deed as well as title documents.. 
it has now been several weeks and my deadline is XX/XX/2023 can you help?
Product: Debt collection

The companies listed have caused damages to my credit profile by adding this false claims to my report. I have checked and the companies are not licensed to operate in my state let alone sign me up for services without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a credit score from Trans Union on XX/XX/18, there is a button on the website home page that says Get Your Credit Score, after clicking and going through the process to purchase my credit score, there are no final order detail page. I learned after the purchase, Trans Union charged me XXXX for a subscription service which I did not order knowingly. I was unable to resolve the issue contacting the customer support. This is compete deception and consumer fraud through misleading website order process.

The Trans union website says : The price for a TransUnion XXXX   online is {$9.00}, or {$9.00} for a hard copy for all states plus the applicable cost of the TransUnion Credit Report. The cost of a TransUnion Credit Report varies based on where you live.
Product: Credit card

On XXXX XXXX American Express solicited me with a " new offer '' to apply for a Delta Skymiles credit card. The offer I received explained that I would receive XXXX Delta Skymiles if I completed the application and then used the credit card to purchase {$3000.00} worth of goods within the first 3 months of receiving the card. I applied for the card and spent {$3000.00} before XXXX XXXX. I contacted XXXX at AMEX customer service on XXXX XXXX inquiring about the miles not credited to my Skymiles account and he opened case # XXXX. On XXXX XXXX, XXXX I received my next account statement and I still had not received credit from American Express, even though i had spent the {$3000.00} in eligible expenses. When I contacted AmEx customer service I was transferred to a supervisor who informed me that I am not eligible to receive the offer because I had opened a Delta American Express card years ago. American Express clearly had that information when they sent me the new offer for a new American Express card in XX/XX/XXXX. I can not understand how its ethical or even legal to send someone a false and misleading offer for credit promising incentives that you will later claim you will not honor. I am requesting that American Express honor the offer they sent to me promising XXXX Delta Sky Miles after I spent {$3000.00} on a new American Express card. I accepted the offer in good faith and I expect American Express to complete the offer as it was described in their credit solicitation.
Product: Debt collection

I went in to the company for an XXXX XXXX XXXX, and was not informed at the time of any charges owed. I received notice later to pay a balance of {$270.00}, which I paid through their online portal. I continued back for the few weeks, to see if there were to be additional charges. I received notification a couple of months later, indicating that I had a past-due bill. I logged into their online portal to see a late charge of {$110.00}. I called the company, and inquired about it, and why I didn't receive notice until it was late, to which they replied it was a mistake and removed the charge.

I received another notice another couple of months later indicating that my bill was late. The same charge was sitting at the next threshold of delinquency. I called the office again, and again they removed the charge. I continued to check back for the next several weeks, confirming that my account balance was {$0.00}. I received a third notification when the bill was another couple of months " late '', again I called and the office removed the charge. The amount was again XXXX  out. I again continued to check back for the next few weeks, confirming the amount had been XXXX out.

I then received notice in the mail that the bill was delinquent and now in collections. I called the office, and spoke to the office manager who advised that the description on her end was for XXXX XXXX, whereas I had been seeing the charge described as a XXXX XXXX XXXX. I asked her why I hadn't seen it until it was late, she advised she did not know. She provided the number for the XXXX XXXX XXXX XXXX office, and when I called they advised I had a case to have this amount adjusted. They sent notice to the office and advised me to call back in a week. The office never responded to XXXX XXXX. Over the next couple months, I continued to check back with XXXX XXXX only to be told they had never received a response. This has started to impact my credit score, and the office continues to not respond. I attempted to call the office to speak to the office manager again, but am now unable to get through the phones to speak to her.
Product: Checking or savings account

Date : XX/XX/XXXX - XXXX, XXXX. My paycheck of {$1700.00} was not deposited in my account, even though my employer sent payment. Capital One has cited technical issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.
Product: Student loan

I have had multiple problems with Aidvantage, which apparently has now been named my student loan servicer. First, I have only just now received my first billing statement from Aidvantage - only 10 days before the first payment is due rather than the 30 days required, as per federal law. Second, my student loan servicer was previously XXXX and was transferred to AidVantage without my receiving notification of the transfer. Third, I have tried calling AidVantage multiple times and am continually disconnected after multiple hours of holding without having the opportunity to speak to a representative or registering my complaint. Fourth, the original date listed on AidVantage 's website for the loan becoming due occurred 3 months before I graduated, although this date did fall during the payment pause. This loan servicer is in clear and flagrant violation of existing federal statutes by not following legally mandate notification requirements before the first payment is due. I would like to use another servicer, if at all possible, and if not I would like to file a claim against AidVantage in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report are all fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, MI XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX  Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contesting the presence of unauthorized credit inquiries on my credit report, which were conducted in violation of Permissible Purpose 15 US Code 1681b ( a ) ( 1 ) ( 2 ). These inquiries were made without my consent or knowledge, infringing upon my privacy rights and potentially harming my creditworthiness. I have not granted permission to any individuals or institutions to access my credit information or initiate credit inquiries on my behalf. Such inquiries were conducted without a valid permissible purpose, as defined in 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and section 604 of the Fair Credit Reporting Act ( FCRA ). I hereby request an immediate investigation into these unauthorized inquiries and their prompt removal from my credit report. I kindly ask that you update my credit report accordingly and furnish me with an updated copy once the necessary modifications have been completed. The unauthorized credit inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I anticipate a swift resolution to this matter, in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates a response within 30 days of receiving this correspondence. Should you require any additional information or documentation to aid in the investigation, kindly reach out to me using the contact information provided with this dispute. Thank you for your attention to this dispute. I have confidence in your ability to address this matter with the required diligence and professionalism.