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

I used a google gmail account for many years and it was saved on my phone. However upon a new phone update it now has locked me out of this account. I have tried resetting it but a technical glitch is preventing it from unlocking. It sends me the codes to enter but then requires I click a link in the aforementioned locked out email to complete the unlock request. This technical glitch is a redundancy error on googles end with no redemy. They do not have phone support to unlock email the site says and nobody to contact. I spoke with a judge and attorneys who pointed out google is legally required to produce the contents or a work around. This is because the information within the account is needed for court. Please provide me the records subpoena request instructions that your company has. Please also initiate this process. I can provide all the proper identification necessary as far as physical ideas. What is needed to subpoena the contents and unlock this email? Is there a work around? I have several disputes needing these email exchanges for court. Please assist. The email is : XXXX that needs this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a home to rent, on XX/XX/XXXX, and the realtor agency made a " hard '' inquiry instead of a " soft '' inquiry. I never agreed/signed anything giving them permission to make a hard inquiry. this hard inquiry seems to have dropped my credit score by 182 points ... an extremely significant amount. i decided not to sign a lease with them. and since the extreme drop in my credit score has lowered my credibility, i am having difficulty applying for other homes. no owner wants to rent to me without a co-signer and/or raising the security deposit 3 to 4 times higher. i have called the realtor, the company they used to make the inquiry, and XXXX directly. No one seems to be able to remove this hard inquiry from my report. I'm hoping you can help. I have a XXXX due in XXXX and we could really use a bigger home right now. 

Here 's the realtor who initiated our rental application : XXXX XXXX XXXX XXXX XXXX, CA phone : XXXX They used : CONTEMPORARY INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION COLLECTIONS : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$200.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Balance {$0.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my Lexis Nexis full file disclosure seven separate times since XX/XX/XXXX. I went online and printed out the Lexis Nexis Full File Disclosure Form and included a copy of my NYSID with my current address and a copy of my social security card the four times I mailed the request to Lexis Nexis at their PO Box address in XXXX, GA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each of these times Lexis Nexis did not send me anything back regarding my full file disclosure request or furnish me with a copy of my full file disclosure. In addition to these four requests, I made 2 additional requests on the Official Lexis Nexis website and reveievd two separate letters back from Lexis Nexis dated XX/XX/XXXX and XX/XX/XXXX reapectively under Consumer Number : XXXX, Case Number : XXXX stating that no file could be found using my correct social security number, name and date of birth. This is false considering that Lexis Nexis furnished me with a full file disclosure admin requesting now in the past on XX/XX/XXXX under case number XXXX XXXX XXXX. An email was sent to XXXX per the XX/XX/XXXX and XX/XX/XXXX responses from Lexis Nexis including an additional copy of both my SAA card and unexpired NYSID with my current address on it asking for a full file disclosure OR why a full file disclosure can not be furnished to me. 

Lexis Nexis mailed me two separate letters that I received in XX/XX/XXXX stating that my consumer report could not be found using my name and social security number even though I still have a copy of a previous full file disclosure of my consumer reports dates XX/XX/XXXX under case XXXX XXXX XXXX or case XXXX which directly contradicts the fact that Lexis Nexis is alleging that I don't have any consumer reports using my sensitive personal information when in fact I do. 

An additional full file disclosure request with a copy of my social security card and my unexpired NYSID with my current address on it was overnighted to Lexis Nexis using XXXX tracking number XXXX. I have not heard back from Lexis Nexis regarding these matters. 

A compliant with the XXXX  was also filed against Lexis Nexis for failure to provide me with a full file Disclosure ( copy of all the consumer reports they hold under my name and social security number ) under XXXX XXXX Case XXXX.
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 F und Transfer Act ( EFTA ) and Regulation
E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

i dont recall appying fot credit on XX/XX/1922 with XXXX  so please remove them from credit report thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

COAF has ran my credit several times and it is not me. They are rude and dont have matching information
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to address a matter of utmost concern regarding unauthorized hard inquiries on my Equifax credit report, which have come to my attention after a comprehensive review of my credit file. 

The following unauthorized hard inquiries were identified : XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX MORTGAGE SER - XX/XX/XXXX EQUIFAX MORTGAGE SER - XX/XX/XXXX
Product: Debt collection

On XXXX XXXX, XXXX, Harris & Harris texted me saying that I owe money for toll collection on the XXXX XXXX. On XXXX XXXX, XXXX, they texted me saying that I owe money for the same reason. On XXXX XXXX, XXXX, they texted me saying that I owe {$390.00}. On XXXX XXXX, they texted me saying that I owe {$390.00}. On XXXX XXXX, XXXX, they texted me saying that I owe {$390.00}. On XXXX XXXX, XXXX, they texted me saying that I owe {$390.00} and on XXXX XXXX, XXXX, they texted me saying that I owe {$480.00}. 

I went to their website on XX/XX/XXXX in an attempt to set up bi weekly payments of {$50.00} only to find out that they set up the payment arrangement but also attempted to debit the entire amount. I called and the representative fixed it and they debited {$50.00}. 

On XX/XX/XXXX, I went onto their site to try and set up payment arrangements again. I used the edit option to change the amount to {$50.00} bi-weekly ( XXXX and XXXX ) of every month only to see that they did the same thing again by setting up the payment arrangement and attempting to take the entire payment. They also didn't credit the {$50.00} they collected from me on XXXX. XXXX. XXXX. I am livid because I wanted to pay the debt but then realized that they never provided me any documentation for this debt as well as never explained why the amount went up almost {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY OLDEST ACCOUNT IS NOT BEING REPORTED. 
MY OLDEST ACCOUNT IS ( XXXX XXXX/XXXX ) FROM XX/XX/2015 credit agency is reporting the wrong information. My oldest acount is ( XX/XX/XXXX/XX/XX/XXXX ) it is over 3 years old.
Product: Checking or savings account

Ive tried to open a checking account and each time I do I keep getting a letter in the mail saying they cant approve me at this time and most of the responses are just as I said they are unable to approve me at the time Ive tried quite a few different banks and all get the Same response Id like to know what I need to do or what the issue is so I can resolve it and try and get a checking account opened. I understand my credit score is pretty low that is due to a few cards I had that showed a high balance that I did not recognize and made my limit over the limit there were charges to my account with my knowledge or authorization. If I oils get a clearer view of what is going on with my information it would help so I can try and fix this and get an account opened up so I can try and pay some of my bills.
Product: Credit card or prepaid card

I had a problem with Synchrony Bank concerning over charging me with recurring charges. They attempted to correct the recurring charges after I submitted a complaint to OCC but they changed my credit limit from {$5000.00} to {$250.00} and then had a rep give me a phony URL address which locked my computer and my identity were stolen with my old card. They told me my old card was suspended and all charges on the card was suspended as well. They issued me a new card with a new ending and my limit was back to {$5000.00} when I called to inquire about all those charges popping up on my Bill Pay from XXXX XXXX XXXX the issuer coming from Synchrony Bank. I find out about all these recurring charges and the rep telling me I owed {$50.00} I said for what? Everything from the old card was suspended after my computer was locked after the phony URL given to me by your rep ; then, she said it is a billing dispute and I said when are you going to straighten the issue out. Plus contact XXXX XXXX XXXXXXXX where's my Bill Pay and all these statements coming up. I donot understand where they are coming from and at first I was paying them but not anymore. YOU ARE just adding interest and late fees. When, I hung up. Synchrony Bank sent me a statement they changed my credit limit again from {$5000.00} to {$250.00} and I reported everything to OCC then OCC sent me a letter to report everything to you without letting me know which of these case numbers generated was Synchrony Banks. I have three case numbers : XXXX.
Product: Debt collection

I, XXXX XXXX XXXX, an avid consumer that knows my rights. Nowhere in XXXX XXXX chapter XXXX does it ever once mention the term borrower only referring to credit sales as consumer credit transactions. Every agreement I entered was a consumer credit transaction, in which I originated credit to said person for them to extend the credit back to myself. First these crooks have sent me bills without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). I've disputed only with the firms on these alleged debts and each time the company has came back with false verifications. In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692e ( 8 ) ,15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ). 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ).
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of the estoppel by silence, XXXX XXXX XXXX, ( MO ) XXXX XXXX XXXX, I pressume that no proof of the alleged debt, nor therefore, any such debt, in the fact therefore exist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ive been called by a local phone # XXXX too many times to count dating back to probably XX/XX/XXXX or XX/XX/XXXX. I answered once in XX/XX/XXXX and drew the conclusion that it was a spam caller and asked them to not call again. Calls started back in XX/XX/XXXX and, after denying the calls several times, I picked up the phone on XX/XX/XXXX to remind them one more time I did not want the calls. During that conversation, the lady proceeded to tell me that she was calling on behalf of Frontline Asset Strategies. She said my husband and I opened up a credit card in XX/XX/XXXX and, because the credit card company didnt receive a payment, the account became delinquent in XX/XX/XXXX. She then said it was charged off in XX/XX/XXXX and sold to XXXX XXXX XXXX XXXX. She claims her company is working for XXXX XXXX in order to collect the debt thats owed in the amount of {$3700.00}. She asked me to pay that debt while on the phone with her and when I told her no, she asked me to call her back. I asked for her # and she gave me a number other than where she was calling from. She gave me XXXX XXXX. She said her name was XXXX. I am reporting this as a debt collection scam because my husband and I never opened up such a card, yet her company continues to call. She called again on XX/XX/XXXX at XXXX and XXXX and then again on XX/XX/XXXX at XXXX. This caller needs to be investigated and prosecuted.
Product: Credit reporting, credit repair services, or other personal consumer reports

complaint # XXXX was closed on XX/XX/22 and it states that a copy of my credit report was mailed to me. I have not received it yet.
Product: Debt collection

When I purchased my first home in XX/XX/XXXX, I contacted several homeowner insurance companies for quotes in late XX/XX/XXXX/early XX/XX/XXXX. One of the companies that I contacted was XXXX XXXX for a quote. The quote that I received from XXXX XXXX was not the most competitive and so I decided to go with another insurance company. Shortly thereafter, XXXX XXXX started sending me letters demanding that I pay the insurance premium on a policy that went into effect on XX/XX/XXXX or else XXXX XXXX would cancel the policy. I called and informed XXXX XXXX back in XXXX that I did not agree to a policy and that I had only requested a quote and requested that they resolve the problem within their systems. XXXX XXXX did not fix the problem and eventually cancelled the policy on XX/XX/XXXX. Rather than fix the problem, they sold the debt to XXXX XXXX XXXX who has been intermittently sending me collection letters demanding that I pay {$220.00}. I have called multiple times requesting documentation that I owe this debt but have been told that XXXX XXXX XXXX doesn't have paperwork to prove such. Each time after I explain the situation, I am told that XXXX XXXX XXXX will fix the problem, but i continue to receive letters. Most recently XXXX XXXX XXXX sent me another letter on XX/XX/XXXX, requesting payment again. Again, I requested documentation and proof that the debt was a valid debt and was told that they did not have any such thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion on  XXXX   XXXX ,  2017 via C ertified Mail stating that there was a Public Record on my report for Bankruptcy that needed to be removed because it was inaccurate. They in turn, sent a letter back stating that it was verified, but did not state by whom it was verified. The letter that I sent included a letter from Alabama  Federal Court sta ting that they do not provide this type of information to Credit Bureaus. This record should not be on my credit report because it was not obtained from the court, and the letter is proof of this.
Product: Checking or savings account

I opened a checking account that had an online promotional bonus of {$100.00} if I met the following 2 requirements : 1 ) Minimum {$25.00} deposit ( completed XX/XX/XXXX ) 2 ) Pay a utility bill of at least {$25.00} ( XXXX & XXXX XXXX paid XX/XX/XXXX ) Customer service representative XXXX XXXX messaged me XX/XX/XXXX through the BBVA account that I would receive the {$100.00} account bonus within 90 days from XX/XX/XXXX. This has not happened. 

On XX/XX/XXXX, customer service representative XXXX sent me a message through the BBVA account that I had opened the account in a branch location, not online, so I'm not eligible for the promotional bonus. This is utterly false ; I've never even been in a BBVA branch office.
Product: Debt collection

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC ( Original creditor : XXXX XXXX XXXX. ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Checking or savings account

I went into the " full service '' traditional branch to make a deposit of a cashier 's check ( Payable from a credit union/drawn on the credit union . ) I went into the branch and was directed to an ATM. The " full service '' branch didn't have a teller line. I asked an individual at the bank ( XXXX ) if it mattered that I was depositing a Cashier 's check ( {$80000.00} ) and she said " no, all checks are processed the same. '' I said, " are you sure, I don't want a hold placed on the full amount of the check. '' She confirmed. So I continued to make the deposit at the machine - again - there was no teller, no teller line at this " full service '' branch. 

At the ATM followed the instructions. At no point was there a disclosure of the funds availability policy at the machine. I after inserting my card, and then following the steps, I deposited the check. The machine gave me a warning about delayed processing and I turned around to ask XXXX about the message. She again confirmed that Cashier 's checks aren't processed any differently. She was very unaware of any Funds Availability training and couldn't even explain the funds availability process. By the time I turned around, back to the machine ( which I was forced to use because the " full service '' branch doesn't have a teller line ), the machine had already accepted my deposit. The receipt showed a 14 day hold for the full {$80000.00} - again, " on a cashier 's check ''. The explanation on the receipt said the hold was because of information about the check. This makes me believe they were using the " reasonable doubt of collectability '' however, there is no information that they had that would would have led them to this conclusion. 

A few things bother me about this : XXXX ) The branch associate had no knowledge of the funds availability policy or regulation. 
XXXX ) The bank 's disclosures do not accurately describe an " in person '' deposit when forced to use a machine - there should be a difference. I don't care to use an ATM but I made the deposit in their lobby. 
XXXX ) There was no FDIC sign at the ATM where I made the depsoit. 
XXXX ) The branch is considered " full service '' - if they closed the full service part they did not provide notice to the community. 
XXXX ) The automated decisioning at the ATM to decide to place a hold or not should have reasonable information for the consumer to back out of the transaction. I could have wired funds to the bank if needed- but wasn't given enough time to understand the ramifications of making a deposit. 
XXXX ) The ATM receipt did not provide any information to indicate the first {$5000.00} would be released- it only gave me an exception hold of 14 days. 
XXXX ) I have knowledge beyond a reasonable consumer, a reasonable customer. 

From a customer service perspective, 1 ) The branch associate misrepresented the funds availability policy 2 ) The 4 other people in the branch couldn't help her. 
XXXX ) The receipt from the ATM should at minimum describe how to resolve any conflicts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report upon securing an updated copy, I realized that some of the information are still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXXXXXX XXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$760.00} XXXX XXXXXXXX XXXX Balance Owed : {$600.00}
Product: Credit reporting or other personal consumer reports

I have disputed the account of XXXX XXXX XXXX with the three credit bureau on XX/XX/year>XXXX  and on XX/XX/year>XXXX  and I havent received any information still unverified I asked for a contract signed and how are the verified documents signed I have been trying to fix my credit to buy a house and this unverified account hurts my credit score thanks for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint because this company is being unfair. I paid the collection amount and I am no longer liable on this account and they agreed to delete it from my credit reports. I already settled the account. Upon my conversation which resulted in payment, I was assured that the account would no longer report to my credit bureaus. 

My family is dealing with a lot of problems lately including a lease that will not be renewed so I am trying to purchase a home but I am unable to move forward as a result of PORTFOLIO RECOVERY ASSOCIATES placing this collection account on my credit report. My credit scores have dropped by over 60 points as a result of this one paid closed account. 

I would sincerely appreciate if they would submit a request to completely remove it from my credit report.