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

Ars, Advanced Resolution Services, Will not place a security freeze on my consumer file, I have supplied them with all the correct information multiple times. I have tried contacting them via telephone, email and via certified mail. All attempts have failed. They say they can not place a security freeze over the telephone only or email only via their website. I have tried to place it via their website. I have uploaded all proofs of identity with the correct address. I received a letter in the mail on XX/XX/XXXX, mail saying that they can not place a security freeze because my request has to be mailed in. I have mailed two proofs of identity along with the security freeze request form from their website and a hand signed letter with my signature, and the address on the website says that it is undeliverable. My preferred method of contact is email is XXXX.
Product: Debt collection

I have asked Second Round LP to validate this debt multiple times. This auto loan was already paid to another company. They have ignored multiple request from me. My last letter was sent to them on XX/XX/XXXX. It is still showing as a collection on my credit report. Please assist me with having this in-validated account remove from my credit report so I can continue to proceed with my life. 

SECOND ROUND LP Account # XXXX Account Type Other Collection Agencies Balance {$3100.00} Past Due {$3100.00} Date Opened XX/XX/XXXX Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Product: Debt collection

I fulfilled my contract with XXXX and all my bills were paid and current when XXXX ported my number, over a year ago, to XXXX XXXX XXXX. XXXX always billed me XXXX month in advance and they personally ported number my number over to XXXX XXXX XXXX and said good-bye. It was at the end of billing cycle and they always billed XXXX month in advance. My account was in good standing and paid in full during that billing cycle. Approximately, 3 months later, they called me claiming I owed them {$100.00}. I told them about this and they claimed they would clear it up. Of course, that did n't happen and they called me several months later saying i owed this money to XXXX. I told them this was not the case so they threatened me to report to credit agency and they did. They continue calling on many different numbers. I have blocked so many of there calls that XXXX wo n't let me block anymore numbers. They call the house and then my cell phone at all hours of the day and night and on all kinds of numbers across the country with many different agents. They are rude and XXXX agent literally yells at me. Please end this and make them remove this from my credit. I was a great customer of XXXX for over 5 years and this is most distressing. I will never do business with them again nor will I not pay them money when I do not owe them any money and if you do n't believe me, just XXXX the Internet and you will find hundreds of other folks with this exact same problem with XXXX. Ps. They never mailed me any written documentation and they all have the wrong address. Please help me.
Product: Debt collection

Invoice never received from originating collector. " Debt '' was then sold to debt collector who uses harassing communication techniques to collect debt that does not even belong to me in the first place. As a consumer, I would like to report XXXX XXXX XXXXXXXX XXXX GA XXXX who insist on violating Fair Debt Collection Practices by attempting to collect a debt not owed. 
XXXX XXXX  XXXX also fails to send written notice about debt and continues to make false statements and representations by harassing consumer with negative and legal action threats. 
Foremost, I do not authorize XXXX XXXX XXXX to continue contacting me and I will pursue legal actions if daily harassment continues to take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit 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
Product: Credit reporting or other personal consumer reports

The account in question was removed from my credit file by XXXX on XX/XX/year>. However, it is still appearing on my report with your agency. 

The specific account information is as follows : Account Name : [ XXXX ] Account Number : [ N/A ] Reported Date : [ XX/XX/year> ] I am requesting that you investigate this matter and remove the item from my credit report, as it has already been removed by another bureau and is no longer valid. Please provide written confirmation once the dispute has been resolved. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies within 30 days of receiving this letter. I appreciate your prompt attention to this matter. 

If you need any further information from me to process this dispute, please feel free to contact me at [ phone number ] or via email at [ email address ]. 

Thank you for your attention to this matter.
Product: Debt collection

After multiple disputes with Capital One, this will be the final notice. I am sending a XXXX XXXX XXXX letter, Notice to XXXX  letter, XXXX XXXX XXXX with exhibits that will be used against Capital One in federal court. I am a natural person and the original creditor for the account, I will not stand for any more fraudulence from Capital One.
Product: Credit reporting or other personal consumer reports

Request to Block and Delete Accounts Under 15 USC 1681c-2 ( a ) After carefully reviewing my credit report, i noticed an account that i believe is incorrect and should be removed. I am also formally notify you that I have been a victim of the data breach associated with your company. As a result, fraudulent accounts have been opened in my name without my consent. I am requesting immediate action to block and delete all such fraudulent accounts pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act. 
Remove WELLS FARGO CARD SERVICES
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 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 an i financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I was evicted by the landlord in question for paying the rent a few days late, less than 30 days, and me and my husband XXXX XXXX were singled out in order for the landlord to raise the rent from {$1800.00} monthly to {$2500.00} monthly. At the time of the eviction, according to the XXXX XXXX XXXX XXXX XXXX, said company was not evicting any other tenants for the reason that we were evicted. Now said company/agenty is trying to collect from us an unlawful debt of {$3300.00} and has reported us to collection bureaus. I just discovered that my credit rating went down XXXX points because of this.
Product: Mortgage

My elderly mother recently passed, my children and I have been affected by covid-19. 
I contacted my mortgage company XXXX XXXX XXXX to request a forbearance. I was told there was not any Corvid-relief for me and my family. Spoke with XXXX a supervisor requested the forbearance she told me the only option available to me was to sell my home by short sale. I asked about President Biden forbearance extension for mortgages she replied I did not have that option. My mortgage company has been difficult to work with and they refuse to help me keep my home. I need Help for me and My children. I have a foreclosure sale date for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows ONE 30 day past due amount of {$79.00}. 

On XX/XX/XXXX I made a purchase at XXXX XXXX in XXXX, FL. I requested, at checkout, to have my account set to auto pay and that the email address on file needed to be changed from XXXX to XXXX. 

The checkout agent documented my account number and had me write my name and the correct email address on a piece of paper. 

The change of email address and auto pay never applied to the account as requested so the account was not paid automatically and the statements and alerts did not go to the correct email address. 

Once I uncovered that the changes were not made as requested I immediately brought the account up to date on XX/XX/XXXX from an initial payment due date of XX/XX/XXXX and paid the account in full on XX/XX/XXXX. ( 37 days passed the due date ) I called XXXX card services and they said they sent a letter to my house. I explained to them that I have been in a hotel and not been home since XX/XX/XXXX, due to travel restrictions and my need to work in essential industry. I asked them why they didn't call, and they said that was not their responsibility. I asked them why the email address wasn't changed and they said the store can only change my rewards email address and not my statement email address. ( that was not explained to me in store ). 
They called me back a couple days later and said that this is not their fault and would not update the credit bureaus. 

I am distraught that they are not making considerations with the current pandemic going on. The CARES ACT allows for people to miss payments for inability to pay due to covid-19. I can pay and have since payed the account in full, I just didn't receive my mail because I'm not home due to covid-19 and am living in a hotel since XX/XX/XXXX. I have perfect credit and this is now the only late payment on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Didnt authorized the inquiry.
Product: Checking or savings account

Without notice, my account was closed. I was told via the phone, it would be sent to me within 3-5 business days. It's been over a week and still isn't here, now when I call they say it won't be until at least XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Product: Debt collection

I have this company this is repeatedly calling about a debt that I am unaware of. The call back to back, from out of state numbers then they call from local numbers. They leave constant illegal messages stating they are with either an attorney or the escalation supervisor and I have the same day to call before they will pursue the matter. I know this is in violation of the FDCPA and they can not threaten to sue via voicemail or unless they actually have intentions on suing. I have several messages on my phone still with them violating my rights. They have even falsely placed on my credit report that previously I had made payment arrangements thru my payroll at a job. All of this information is inaccurately being reported and I am being harrassed at this point
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following inquires that are not authorized by me. I contact the companies and they told me to contact Equifax. Equifax stated I have to file a report with you. 

The following inquires are not authorized : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Vehicle loan or lease

To whom it may concern, My auto lender, First investors, illegally repossessed my vehicle. I understand stand my rights as an consumer and what is a consumer transaction. Under US Code 15 section 1602 paragraph I. It states that, any card or coupon book can be a form of credit. That means that the vehicle was paid off through my social security card. And also in section US Code 15 section 1611. Talks about companies willing and knowingly to defraud consumer. So with just these to rights alone, should have prevented First investors from illegally removing my vehicle from my possession. But to further prove that the vehicle had been paid in full and kept into my possession. I had cap insurance on the vehicle. Which by law pays the remaining balance of the vehicle. If I couldnt continue to make payments or if the vehicle was deemed, totaled out.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the unresolved fraudulent account associated with my name and Social Security number, despite my repeated efforts to address this issue. 

Recently, XXXX XXXX was found guilty of money laundering {$3.00} XXXX, raising serious concerns about the integrity of accounts linked to their services. I have submitted a fraud affidavit, which includes the Social Security number, name, and date of birth of the individual who opened the account fraudulently in XXXX. 

Additionally, I have faxed 11 police reports related to XXXX XXXX XXXXnd identity theft incidents from XXXX to XXXX. I have provided this documentation to XXXX  fraud investigation department at XXXX, along with an identity theft report specifically for this account. 

Despite contacting and speaking with the fraud department four times, as well as filing three complaints/disputes through the Consumer Financial Protection Bureau XXXX CFPB ), XXXX has yet to remove this fraudulent account from my credit report. The last payment on this account was made in XX/XX/XXXX, nearly six years ago. 

Given these circumstances, I request immediate action to rectify this situation. Please confirm the receipt of this complaint and provide an update on the status of my case.
Product: Credit reporting or other personal consumer reports

The following companies are reporting fraudulent activity on my consumer report with Innovis. 

XXXX, XXXX XXXX and XXXX XXXX were provided registered securities for full satisfaction of the account. They have stolen my securities and reported that I owe them a debt. I do not owe them a debt. Further, a charge off is considered income per the IRS and income is not reported to consumer reports. These companies are using my identity to report to a third party which is identity theft and in violation of multiple federal laws. I have not given these financial institutions the authorization to use my identity however they see fit. This is a federal crime to do so. It is a federal crime to claim that a consumer owes a debt when in fact that consumer does not. I am willing to overlook the role Innovis has played in these fraudulent activities as long as the company deletes the information and ceases selling and/or sharing my identity or any other information contained in this consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute this item because if it inaccuracies on my credit report. And reported incorrectly. But was verified it correct.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Experian credit report and i noticed payments posted on my credit report : XXXX XXXX under the account number XXXX. You company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did i give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ) the term : consumer report does not include- ( A ) Subject to section 1681s-of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report this agency is in violation of 15 USC 1681. According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft fraud which led to my credit information being compromised. The proper steps were taken for the fraud related items to be removed from all credit bureaus. XXXX and XXXX has both complied with the removal of the 2 following accounts. XXXX XXXX XXXX opened on XX/XX/XXXX ( {$8500.00} Balance ) XXXX XXXX XXXXXXXX XXXX  opened XX/XX/XXXX ( {$26000.00} Balance ) Experian Credit Bureau has yet to remove these 2 accounts, they are still being reported and updated monthly by Experian. XXXX and XXXX has already removed the accounts and no longer reports.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( XXXX  ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX  ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report to find a company called XXXX XXXX saying i owe them {$1600.00} and that i opened an account with them in XX/XX/XXXX and I never had an account with them nor did i authorize and inquiries on my report. on Transunion I have an inquiry from XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX  XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX is reporting an old, paid off, mortgage as currently delinquent to my Equifax report. It was paid in full in XXXX of 2013, but is showing 120 days late at this point. I feel XXXX did this as retaliation for my dispute. I filed one complaint under their name, but need this fixed with my Equifax as I 'm currently in the process of applying for a new mortgage. XXXX is also reporting it as still open as well as the original loan amount at {$580000.00} when it was actually {$58000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report says that XXXX XXXX sent a balance of {$2100.00} to a collections agency to I C Systems with an opening date of XX/XX/2020. I have never done business with XXXX and I have not received any information by mail or telephone about any debt that I owe from I C Systems. The amount is suspiciously the same as an amount from another collections agency that I reported and was found fraudulent. I have disputed this charge, but nothing has happened yet.
Product: Student loan

My loan is Moelsha and I am sending them payment for my loan they are telling me two different story one someone will tell that my request for my refund is being processed and I will receive a refund for my payment that made on my loan during Convid 19 pandemic. And call them the day someone tell me that I want receive anything back cause they claim that i didn't make any payments on my loans. And I know that I make payments I have the confirmation from my bank and also from Moelsha saying my has been successful paid and .I noticed that reason why they are saying that my request for refund is not cause i am a young XXXX and they feel like I don't deserve my money back {$180000.00} .is alot of that is owed to me and they are coming anything to not release. When the XXXX XXXX XXXX send me information saying my loan are paid off and I don't need to do no more actions.And Moelsha is telling me that they is not getting none of these information from the Department of education and they act like I don't know wat I am talking about. And they feel like they are just going to tell me anything and I will go away. But I know that Moelsha owe me money and I am not going to allow them to keep my money. How did XXXX Set icing send me my refund but Moelsha don't see all the payment I made I have bank showing the money was took out my account and send to My current loan service.
Product: Credit card

XX/XX/year> scam through XXXX they were not XXXXXXXX XXXX but stated they were. The girl or answered the phone said hello this is XXXX from XXXXXXXX XXXX in California she proceeded to ask how originally purchased my tickets and I gave her the cc # then she stated she was having difficulty and asked if I had another card to be credited back I said yes Target she attempted to transactions of e-gift cards and I said to her this does not seem right and told her I was going to check I into it. I hung the phone up went to bed when I got up at XXXX shes took XXXX {$390.00} target e gift cards from my target account she also too 5 individual {$1000.00}. Charges to my Tdbank cc stole my indenity I was getting calls from Ga for charges that were not me calls from Ny which was not me. Unfortunately my locality police dept is not helping me the fraud was in the total of {$15000.00} and I have been fight for it back since XX/XX/year>. I would appreciate any help or guidance thank you Kindly, XXXX XXXX