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

After  XXXX   XXXX   XXXX  I was arranging a Short Sale with the Lender,   XXXX   XXXX   XXXX   XXXX , and a predatory lawyer tried to foreclose on my property.   To forestall this I filed a " Rumor Of Bankruptcy '' Chapter  XXXX  in  XXXX / XXXX / XXXX  and it was subsequently Dismissed on  XXXX / XXXX / XXXX .   It happened again in  XXXX / XXXX / XXXX  and I filed another " Rumor of Bankruptcy '' Chapter  XXXX  and it was Dismissed on  XXXX / XXXX / XXXX  Although I did not actually go into Bankruptcy these items were reported as " Derogatory Items '' on my  XXXX  Credit Reports and classified me as Bankrupt and my Credit Scores became very low.   I wrote to the Credit Bureaus and they stated that they were reporting information found on the   XXXX   public records.   I then wrote  to the CEO 's of th e  XXXX  Bureaus on  XXXX   XXXX   XXXX  and complained about this case. Nothing happened. No one will talk to me about this matter.   Thus the filing of  a Legal Document, su bsequently Dismissed is mis-classified as though it actually went through to fruition.   ( I think this is due to the fact that the Bureaus do not want to go to the trouble of investigating which filings actually resulted in Bankruptcy ) I do not wish to have my credit ruined because nothing actually happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

In XX/XX/XXXX I submitted an order for XXXX cable, internet and phone service. In order to do so, I had to open an account. However, XXXX never established service or installed any equipment. After a few weeks, I gave up and instructed the company 's representative to close my account. Much later I was contacted by several debt-collection agencies, most recently SouthwestCredit, demanding payment of {$150.00}. On XX/XX/XXXX, in response to a letter dated XX/XX/XXXX, I wrote to Southwest that I had never received XXXX service and had instructed XXXX to close my account. In a letter dated XX/XX/XXXX, Southwest responded that their " investigation '' had " confirmed '' that the full amount was due immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Debt collection

The supposed Company is Castle Credit that I did have a loan with almost 9/10 years ago. I have been getting repeated phone calls from different numbers that when I searched these numbers, do not even link to Castle Credit. When I have called these numbers, there isn't even a proper vmail. I feel that this is someone that has gained my identity information trying to get me to pay something that has been charged off years ago. 

They use obscene language with me, threatening tactics & I have repeatedly told them to stop calling me because of this said debt being again, years ago. 

I received a generic type letter in the mail that looks like it was drawn up from someone at their home with weird numbers like XXXX which again, doesnt even belong to Castle Credit & when I DID call Castle Credit directly, they also said that they arent the ones calling me that this debt they have classified it as charged off. 

My Account number XXXX for {$780.00} This account was opened by my now, exwife back in XXXX or XXXX, which since I was in the Military and on assignment, I wasnt even there to sign my own name for this loan for a vacuum cleaner but of course I know that I was married at the time so it becomes my debt but she had put it in my name not hers which she should of done and the company shouldnt of accepted the info from her if i wasnt there to begin with. 

They also included a number in the letter that I received that is a different form of type than the rest of the letter XXXX which Castle Credit does have a XXXX main number but again when I contacted then, they know no such number. 

There are other numbers with the area code XXXX but there are just too many to list. Castle Credit also stated that they have not sold my account to any collection agency. The letter that I received is marked from Castle Credit not a collection agency. 

I want these calls to STOP! Especially not knowing who is contacting me & they dont even want me to pay Castle Credit, they are asking me to give them my card numbers which I KNOW is not right!
Product: Checking or savings account

In XXXX, XXXX, I authorized my wife to use my debit card to pay for a fitness membership. She was waiting for her new debit card to arrive. She gave her account and routing number to the merchant to use for monthly, recurring payments. This merchant used my card information to make a withdrawal from my checking account on XX/XX/XXXX for {$27.00} and XXXX withdrawals in XXXX. The first was XX/XX/XXXX for {$52.00}. The second was XX/XX/XXXX for {$27.00}. I called SoFi and explained the situation. They filed a dispute for all three transactions and said they blocked the merchant from future withdrawals from my account. That was in XXXX. On XX/XX/XXXX this same merchant was authorized to withdraw {$190.00} from my checking account. I filed another dispute and was advised to cancel the debit card being used by the merchant to make these withdrawals from my checking account. I cancelled the card and had a new one mailed to me. Being a XXXX XXXX, I could not get to my mailbox for at least a month and had no access to my cash during this time. During this time, SoFi deposited back into my account {$190.00} as a provisional credit on XX/XX/XXXX. On XX/XX/XXXX this same merchant was authorized to withdraw {$190.00} using my new debit card. I called SoFi and spoke to a manager, XXXX. I explained that I am not the account holder for the account that the merchant is withdrawing payments for and asked how this merchant was able to obtain my new debit card number. XXXX told me that XXXX was the one who gave my new info to the merchant because its a recurring payment. I asked XXXX if hed like to be on the phone with me while I call XXXX. He declined. I called XXXX where they denied having done such a thing and advised me it was at the financial institution level. SoFi gave my new debit card information to the merchant they were supposed to be helping me stop making withdrawals from my account. I called the merchant where they verified having my new card number. They said the only way they could receive this information was if I gave it to them. I did not. They verified that the name on the account was not mine and seemed confused as to what was going on. I called back to SoFi where the woman placed yet another block on my account to stop this merchant from gaining access to my account.
Product: Credit card

I opened up an XXXX XXXX XXXX XXXX. With synchrony bank. I was told my promotion was until XX/XX/XXXX. Just logged in and looked at activity because I noticed that my account balance was much higher than it shouldve been. 

When I called into their company last XXXX or XXXX, I was told I have until XX/XX/XXXXXXXX  to pay this off to not be charged interest. 

I had about {$600.00} remaining on my balance and theyve charged me so far {$1600.00} on that. And Ive asked them to remove that interest and just let me pay off my balance of the {$600.00}. They have refused to do that. Theyve never contacted me about when my promotion within when I called in. They told me again XX/XX/XXXX. 

Another thing is theyve been charging me XXXX dollars a month every month for a paper statement which I have never received one time. They also told me and I have on recording that they emailed these statements out as well. Which is a lie I have not received a statement even through email. 


So far they charge me about {$1600.00} on my balance of {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Lending club stated I received funds into my bank account on XX/XX/2018. My account was put on hold due to identity fraud and hacked on XX/XX/2018 as the bank Say I would have not been able to receive any deposits or withdraw any. I sent the bank statements to lending club fraud department and the bank manager also stated she left 6 voicemails within two days and never received a call back. I ask lending club to remove the account after doing more investigations. The lending club is forcing me to pay for a XXXX XXXX loam I never received in the amount of {$7100.00}. They sold the debt to XXXX XXXX investigator as {$8100.00}. I sent the same paperwork to XXXX XXXX  email and didnt get any responses. I even tried negotiating the XXXX I had in my savings to get the account negotiated and written off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I changed my llegal name on 2019 and I reported to all my bank and credit card companies, recently I found out only Equifax doesn't update report from my bank and they can't fix it right away and my records was still old name and old information stop on 2019, others 2 companies sach as transfer union has my all information updated. 
Because my loan officer can't pull out my records from Equifax so I can't get loan approval. 

I don't why I have to use this company as necessary credit report to approv loan because Equifax can't even handle the right information for me or others ( credit company told me they got same situation from others customers ) If I'm not trying to get loan approval I won't ever know this problem but know I can't get approval because them!! 

I'm hopeless.
Product: Debt collection

I am not liable for this debt. This was an unauthorized account. Please remove from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported ino be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Its Cash App- On XXXX XXXX my boss sent me {$600.00}, but spelled my cash tag name wrong. We tried to request a refund and got no reply, so we have been in contact with cash app and they continue to give us the run around. Called again today on a three way call, the employee got rude and refused to help both of us, as its BOTH of our problems, and hung up. I called back and now I cant get ahold of a representative. The money was sent to a dead account, and should have been refunded by now. Im POSITIVE cash app stole that money. This is my livelihood, and theyre taking advantage of good people. Its now almost XXXX and they still have yet to resolve a 10 to 14 day issue. I have zero tolerance for people and representatives who are rude, especially to elderly people. Neither account has yet to see a refund or the money at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. State 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

I have several accounts abused by identity XXXX of which are capitol one, which I have paid one off almost {$1000.00}. The second I've paid {$600.00} into it and {$360.00} till its paid. I have tried disputing these several times and they keep sending me back letters saying they are legit. Accounts they are in collections they are most definitely not mine. I called a few years ago aswell and told them I had NO accounts at that time, yet they still did nothing.. I have been dealing with this for years and it has hurt my credit, my family and financial life so much. How someone can just take so much and they do nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this UNKNOWN XXXX for months.XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting or other personal consumer reports

I am a natural person. I am living human being ; I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be remove/deleted because according to 15 USC 1681 . I have the right to privacy, and I did not give XXXX written permission to furnish Deleted accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX for Investigation of Disputed Credit Information** **Re : Account Number XXXX To Whom It XXXX Concern, I am writing to formally dispute the accuracy of certain information reported on my credit report. I believe this information is incorrect and does not reflect my true credit history. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation of this matter. 

XXXX XXXX XXXX Disputed Information The specific information I am disputing is as follows : - **Account Name : ** XXXX/DEPT OF FED - XXXX XXXX : ** XXXX I have reviewed my credit report, and I strongly believe that this account is either inaccurately reported or does not belong to me. This discrepancy has caused significant concern, particularly as it has adversely affected my XXXX XXXX and my ability to secure loans and credit. Given the importance of maintaining an accurate credit report, I urge you to investigate this matter with the utmost urgency. 

XXXX XXXX XXXX Impact of the Discrepancy The inaccurate reporting of this account has had tangible consequences for me. I recently applied for a mortgage, and the lender informed me that my XXXX XXXX was lower than anticipated due to this entry. As a result, I was offered a less favorable interest rate, which could cost me thousands of dollars over the life of the loan. Furthermore, I have experienced difficulties in securing other forms of credit, which has limited my financial options. I hope that by resolving this matter, I can restore my creditworthiness and ensure that my financial history is accurately represented. 

XXXX XXXX XXXX Request for XXXX XXXX accordance with the FCRA, I kindly request that you provide me with the following : XXXX. Copies of any and all credit reports that include this account. 
XXXX. A detailed description of the processes you utilized to verify the accuracy of this account, including the names and contact information of any data furnishers contacted during your investigation. 
XXXX. A complete copy of my credit file maintained by your bureau, including any relevant documentation related to the disputed account. 

To facilitate this process, my date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security number are XXXX. I appreciate your prompt attention to verifying my identity, which I hope will expedite the investigation process. 

XXXX XXXX XXXX Conclusion I understand that these matters can take time ; however, I respectfully request that you prioritize this investigation due to the significant impact this inaccurate reporting has had on my financial situation. Thank you for your attention to this important issue. I look forward to your prompt response and a resolution to my dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX  is reporting two closed accounts on my XXXX   credit report. Both accounts show a balance of {$380.00}. One is shown to have been opened XX/XX/XXXX, the other on XX/XX/XXXX.

They have been doing this for many years though I have asked for them to remove them.

Also, XXXX XXXX   has never validated the debt with me though I asked them to do so in XX/XX/XXXX and in XX/XX/XXXX. Without validation I can not know if these 7-year-old accounts are mine. I do not believe they are mine.
Product: Vehicle loan or lease

XXXX and XXXX I missed my car payment because of miscommunication between Westlake Financial Services. I tried to communicate with Westlake Financial Services that I wasnt going to be able to pay the auto-loan payment in full those two months but that i could pay 50 % of what was owed for those two payments.
Product: Student loan

Near the end of 2017, my consumer credit monitoring app reported delinquent payments to Fedloan Servicing. I contacted them immediately because my account was set up on automatic bank draft and I had emails confirming each of my payments. The representative advised the transactions were not successful. Apparently, the banking information I submitted was incorrect. I was never notified the payments had not gone through. I immediately began doubling my payments each month to bring the account current, and asked that my consumer credit file be updated, as the company never contacted me to advise the transactions weren't successful. The company has refused, though they acknowledged they confirmed each of my payments and never notified me of the incomplete transactions.
Product: Credit reporting or other personal consumer reports

i recently review a copy of my credit report and notice i had fraudulent accounts on my report. please remove these accounts from my report. they are hurting my ability to obtain credit.