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

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off XXXX - XXXX - {$0.00} ( XXXX & XXXX ) XXXX XXXX - XXXX - {$22000.00} ( XXXX & XXXX ) XXXX - XXXX - {$0.00} ( XXXX & XXXX ) XXXX XXXX XXXX XXXXXXXX - {$26000.00} ( tu ) Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

I submitted a inquiry through a 3rd party credit watch company for a Refinance. Liberty home mortgage contacted me about the refinance. During the call I told XXXX XXXX XXXX XXXX XXXXXXXX XXXX Liberty Home Mortgage I would call them back and to NOT pull my credit- he fraudulently pulled my credit anyways WITHOUT my permission. Liberty Home Mortgage keeps fraudulently pulling my credit over and over again. There have been 4 inquiries made by Liberty Hone MortgageXXXX XXXX, they pulled my credit twice on XXXX, and again XXXX all fraudulently WITHOUT my permission. XXXX XXXX XXXX of Liberty is the person who I spoke with and who accessed our information. I have reached out to his manager and the company XXXX they use to pull credit with no response. 

How Liberty can find me in the system XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I wrote a dispute letter to Experian explaining my credit report indicates I have a charge off with XXXX XXXX XXXX XXXX that was charged off back in XXXX  of XXXX and since then the account has been repeatedly updating as charged off every month and to my understanding charged off accounts should not include a payment history and also manipulates the statue of limitations. I demanded a deletion and Experian completed the dispute by saying update and I reviewed my credit report after the dispute was completed and the monthly charge offs are still be reported on my credit
Product: Money transfer, virtual currency, or money service

ive been using cash app for years now, but suddenly I open the app and it says I violated the terms of use. so I opened the app to see what happened and the steps moving forward. so i closed that account and made a new one. from there they said they couldnt tell me and I needed to call the XXXX number and they will be able to help from there, but in the mean time someone will reach out to me by email. its been almost a year now and I have yet to receive and email or have someone reach out to me. Ive called numerous times and have send messages in the chat numerous times to the support team in the the app. well today I called up there again and they said the same thing the people in the app will be able to tell you more, in which they reply the same about the people over the phone. when I called up there today, they gave me the same run around they have been giving me for about a year now, then hung up. I called again and asked for a supervisor, and they tried to do the same thing, and ended up telling me there is no supervisor but someone will send me an email. I asked for a time frame they said they were not sure, but one will get sent. then hung up. after being up on for the third time I called and asked for a supervisor to file a complaint about everyone hanging up on me and nothing getting done for almost a year now. the lady answered and said that she will not transfer me and theres nothing they can do for me and if I have any more questions contact the support apart and hung up. I just want to be able to use my account again and know why it was closed in the first place, but they are not good at helping or doing their jobs ( being a support person ). ive read the terms and conditions, to see where the violation may occurred, but I didnt not break any of their rules. Its been almost a year now, I have yet to get any information regarding my account, nor has anyone reached out to me to give me an update. everytime I call they say they cant tell me anything further and hang up. when I write in the chat support, they say they cant do anything and I have to go call the call support. its a never ending cycle or nonsense. if you can help, that would be most helpful. 
thank you.
Product: Debt collection

On or about XX/XX/XXXX, we moved out of XXXX XXXX XXXX XXXX, XXXX, NH. We informed XXXX of our move then and asked for the services to be terminated. 
On XX/XX/XXXX, we called and spoke with XXXX about the XX/XX/XXXX bill of {$39.00} that wed received since we had previously called XXXX to terminate the contract. 
XXXX informed us that we could not terminate the contract, nor were we able to return any of the equipment. He informed us that we would be charged a termination fee of {$600.00}. We did not sign or were made aware of any termination fee. 
Back in XX/XX/XXXX, we understood that the service we had at our previous address at XXXX XXXX XXXX XXXX, XXXX, NH XXXX was going to be a simple transfer of our services to our new address at XXXX XXXX XXXX XXXX, XXXX, NH XXXX. We never entered into a new contract, nor were we aware of any termination fee. 
We received a collection notice on XX/XX/XXXX from Credit Collection Services in the amount of {$600.00}. We are disputing this bill because we do not owe you any money.
Product: Credit card

I was sent a letter stating that my recent credit card application for Best Buy had not been approved. The thing is that I never applied for a credit card.
Product: Credit reporting or other personal consumer reports

I didn't give authorize Credit report to XXXX XXXX for loan inquiry on XXXX, i only found out when they're was a pending charge on my bank acct.
Product: Debt collection

Tower Loan has stolen my identity and repeatedly pulls my credit without my permission Tower Loan has damaged my credit Tower Loan has damaged my family Tower Loan has racially profiled me as African American Tower Loan has violated my civil rights Tower Loan has stolen my identity Tower Loan has used my identity without my permission over and over again Tower Loan is breaking the law. Tower Loan must stop using my credit or I will go to the XXXX police department and press charges against management. I have already spoke with a detective at the XXXX Police Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached to this document the proof of my previous complaints to the CFPB that have been ignored. 

XXXX. XXXX XXXX reprint of letter dated XX/XX/2020 stating that my account was closed and they were unable to verify personal information on my account. " we will report to the credit bureaus that the account was closed by grantor ''. 

XXXX. The XXXX account should not be reflected as late as it should not be reporting due to the blatant errors in metro 2 compliance for this account. This has been requested to be corrected via the phone and the mail, and uploading documents. No positive, proper response has been provided as of yet from experian. This account should be deleted by law.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX  XXXX and Credit Collection Serv as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the Collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit card or prepaid card

I got XXXX true XXXX and they offer 0 % rate for 6 months Card vas open on XX/XX/XXXX and  transaction vas posted on XX/XX/XXXX XXXX start to charge interest right away, talk to customer service few times and they sims don't care
Product: Credit reporting

I attempted to obtain a credit report from Equifax ; however, I could not due to Equifax not being able to verify my identity. When applying for the report, I was presented a list of identification questions concerning previous addresses that I have never resided, a middle name not belonging to me, and a mortgage that I have never applied for.
Product: Consumer Loan

A copy of a letter written to " Citibank '' ... 
______________Sears Credit CardsXXXX SD XXXXTo Whom It May Concern : Enclose you will Find a check made out to Sears Credit Card in the amount of {$1800.00}. 
Please note that this amount should be greater than the amount owed on my account, # XXXX. 
I instruct that you close my Sears Credit Card account immediately upon receipt and refund the credit balance that should result. 
For the record, I will be greatly relieved to know that I will NEVER have to have any dealings or association with CITIBANK ever again. 
Though I have never in my many decades of life EVER failed to pay an amount owed to a creditor, YOU chose to close this account to new purchases ( which I had no intention of making anyway. ) Your action precipitated the premature termination of my Home Depot account, which cascaded into the closing of my XXXX XXXX XXXX account. Because I was then left with greater DEBT than I had CREDIT, my credit standing, was destroyed, I was denied of the opportunity to refinance my home and my inability to obtain a low interest Home Equity account to pay off the remaining, high interest debt I hold, denying me any alternative to paying your unreasonable interest rates. 
What Sears Credit Card Service ( i.e. CitiBank XXXX has done to me should qualify as a felony. Moreover, the person XXXX XXXX ) responsible for putting this usurious policy in place should be jailed, along with that ( those ) person 's superior ( XXXX ). 

I know from talking with your employees that you are doing this to others, as well, so I dare hope we may be able to mount a class action of some sort? 
Rhetorical question ... could my being a single woman over the age of retirement who will continue XXXX indefinitely have influenced your initial actions? Could you have believed me to be without means or resources to fight your discrimination? NOTE - that was a rhetorical question. I do n't want to hear or see anything more from your company. I offer the question for YOUR benefit. 
I do wish you business losses and ultimate business failure, but expect that you will take care of that without my assistance. 
Very sincerely! 


XXXX XXXX XXXX : Pennsylvania Department of Consumer Affairs Federal Government Consumer Protection Agency XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three certified validation letters to XXXX, Midland Funding, XXXX XXXX and XXXX starting in XXXX of XXXX. I received zero response from any of them. 
In XX/XX/XXXX I received a statement, from XXXX for one of the accounts in dispute. # XXXX. It is past statute of limitations and does not provide me with when the delinquency date was, a contract or my signature on it. 60 days after the initial validation letter. The response back had no letter attached, did not state that it was past the statute nor did it provide any other information to valid that this alleged debt is mine. 
The following account numbers are what have been disputed with no response. 
Account # XXXX {$4500.00} XXXX /Midland Funding XXXX XXXX, XXXX XXXX XXXX Account # XXXX {$4800.00} XXXX Midland Funding XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX or # XXXX {$5300.00} Midland/XXXX- XXXX XXXX XXXX Account XXXX XXXX {$5800.00} Midland/XXXX- XXXX XXXX XXXX Ive attached copies of letters and credit reports, they are all incomplete/inaccurate reporting with all conflicting information.
Product: Credit reporting

I paid my bill on Time. They State that i was late on my bill. So they put inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent credit card account showing from Avant on my credit reports. I have never known a Bank called Avant and never applied for this account and its hurting my credit.
Product: Debt collection

I received and email from XXXX on XX/XX/23 # : XXXX stating I owed {$27.00} to XXXX. XXXX XXXX OF XXXX, XXXX XXXX 's Account # : XXXX. First that is not my information. I have never been to XXXX. I call on XX/XX/23 at approximately XXXX XXXX  and tried to explain that was not me and they put me on hold, I had to ask if they were still there and they stated they were waiting for a supervisor. Asked my name and birthday. I stated that is not my middle name and put me on hold again. I asked if they were there again and got, I am waiting on the supervisor to see what to do next. They used my email since the name appears the same and sent me the collection without verifying whether it belongs to me. I explained to them it does not, and asked for an email verifying it was removed since I had to go and the call cut off.
Product: Debt collection

I just discovered a lawsuit from XXXX and XXXX from 2010 because they are trying to garnish my wages. I believe I am a victim of a false lawsuit by them. The only proof in the case jacket is a piece of plain paper with my name on it, a 16 digit number, and an amount of money. They also uploaded the generic terms that everyone gets when they get a credit card. I have a remote hearing for the garnishment on Friday XX/XX/XXXX since I am fighting it but Im not sure what to do. When I originally got the garnishment notice and discovered the judgement in XXXX I called and disputed it with XXXX, XXXX and XXXX and the creditor that supposedly holds the debt now but of course they did nothing.
Product: Vehicle loan or lease

On XX/XX/XXXX I called and when the call went through the various prompts to speak to a customer service representative, the call disconnected. I attempted this four times until I decided to call a local branch. I spoke with XXXX ( a teller ) and she was n't able to assist me because the branches are n't on the same interface. I made one last attempt to call and finally got through to a live person name XXXX and proceeded to ask him a series of questions and when he felt that he could n't answer my questions, he told me that I had a fixed rate of 11.23 %. Okay but he did n't answer any of my questions and when I kept asking him to clarify he hung up. I decided to call from the office phone and SURPRISE I was immediately connected to a live person name XXXX. I asked him the following questions : What kind of loan do I have - simple interest, pre-computed interest, and do I have a pre-payment penalty? His reply was that I had a simple interest loan and that there was n't a pre-payment penalty. I proceeded to tell him that there was a discrepancy with my account. There 's a curtailment of {$52.00} that posted on XX/XX/XXXX and my XX/XX/XXXX payment is {$670.00}. My monthly payment per my contract is {$620.00} and I was told that I owed {$52.00} in late fees ( by which I 'm still trying to understand because this billing is so convoluted ) so why was n't the {$52.00} applied toward the late fees? He told me that the {$52.00} was automatically added to the principal. I asked him " why are you automatically applying extra funds toward the principal especially since I was told by one of the CSRs that I would have to call in if I want extra funds to be applied toward the principal? '' Looking at this account online it appears to be so erroneous and I do n't know how to go about to get some sound clarification. I also believe that my account has been flagged not to accept calls. I can not make payments online because I do n't have a checking account with them, I 've gone through the steps of adding my checking account from another bank and they made me wait two days to verify and I 'm still unable to make payments online. I had to go into the branch to make XX/XX/XXXX 's payment and I paid through my bank 's online bill pay for XX/XX/XXXX 's payment. I 'm trying to get this resolved. He made the adjustment to reflect the {$52.00} be applied to late fees and that the late fees be taken off of XX/XX/XXXX bill. He told me that it should reflect online in 72 hours and my confirmation number is XXXX. I checked my account on XX/XX/XXXX and there 's no change. I also noticed that I have a list of items marked " fees '' with different amounts but when I inquired about it one other time, the CSR could n't answer my question. I 've attempted to call, I 've written and there 's no response.
Product: Debt collection

While serving XXXX XXXX around XXXX was sold a XXXX XXXX XXXX with high mileage and engine issues through XXXX XXXX XXXX XXXX at XXXX XXXX XXXX VA XXXX, XXXX ( XXXX ) XXXX for {$15000.00}. The vehicle was voluntarily surrendered after falling behind in payments since I had to pay for repairs around XXXX a year later. They wrote off the account at {$10000.00} and sold the vehicle at auction at an unknown price. Today they have contacted my current employer 10 years later and threating legal action if they don't garnish my account on their behalf. They have so far received over {$10000.00} of my salaried money using this illegal tactic.
Product: Credit reporting or other personal consumer reports

POLICE AND FIRE FCU/PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
Product: Checking or savings account

This is a continuous problem with U. S. Bank. XXXX XXXX XXXX  handled all of our C D ' and upon maturity, a check was always forwarded to us right away. Since U.S. Bank bought out XXXX XXXX XXXX, we have had nothing but trouble in getting our matured C D money. 

On XX/XX/2022, one of our C D 's matured and I called U.S. Bank and talked to XXXX, alias XXXX, to have our money mailed to us. XXXX said it would be 10 days before we would receive it, but as of today XX/XX/XXXX, we still have not received our money. I called on the XXXX of XXXX and spoke with XXXX XXXX to check on our funds and she said the bank had made a mistake, but she said we should receive the funds soon. I called XXXX and XXXX in personnel for them to check on our proceeds and nothing has been received. Communicated to the bank on their email to no avail in receiving our money. This is a float on our money and these mistakes by the bank should be punishable, please accept this as a Formal Complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Transunion has failed to follow the guidelines of the FCRA. This is my third and Final Attempt Please remove the inaccurate information oof of my account XXXX account which has inconsistencies with all three credit bureaus please see attached proof documentation of the inaccuracies which I demand to be removed!!!!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I recently received a copy of my (, Equifax, XXXX XXXX, ) credit report and I noticed some transactions posted on my credit report that is excluded by federal laws to my consumer reports ; Equifax, XXXX, XXXX, They reported my account as LATE in the months of XX/XX/2021 and XX/XX/2021 - XXXX - 60 days Names of the accounts : - - XXXX XXXX XXXX XXXX Account numbers : - XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681 a ( d ) [ 2 ] ( A ) ( I ) ( 2 ) Exclusions. - except as provided in paragraph ( 3 ) the term consumer report does not include - ( I ) report containing information solely as to transactions or experience between the consumer and the person making the report ; On XX/XX/2021 and XX/XX/2021 you reported transactions from XXXX XXXXXXXX XXXX  XXXX, Account Number XXXX on my consumer report. The above section 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is not included on the consumers report yet you are reporting this information to my consumers report!

The reporting of excluded information pursuant 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) to a consumer report is clear violation of Metro2 Compliance!

Provide me with a Metro2 Compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported as Late Payments on XX/XX/2021 and XX/XX/2021 DELETE it from my consumer reports effective immediately. 

Now before you think to reply with validated. let 's be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 


Further more 15 USC 1666b ( a ) ( A ) Time to make a payments - a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I need the above transactions deleted from my consumer reports! 

Best Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for the last week for my consumer disclosure report. I went through the portal and tried to call. I know there is some incorrect information on the report because of selling of my information. I get the response " An error occurred during execution ; please try again later. 

LexisNexis Homepage LexisNexis Consumer Disclosure Your Privacy Rights FACT Act Security Freeze Your FCRA Rights Help An error occurred An error occurred during execution ; please try again later. 
XXXX Copyright 2022 LexisNexis Risk Solutions. About Us | Terms & Conditions | Privacy Policy | Site Map As a consumer and a victim of my debit card being compromised ( identity theft ) I am writing this for full investigation.
Product: Credit card

The balance is paid, and is closed but it is still being shown on my credit report.