23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ARS Account Resolution is a debt collector attempting to collect upon a fraudulent account. In XX/XX/XXXX they reported this debt to the credit bureaus. No notice was given of purchase. No notice was given of my consumer rights in violation of the FDCPA and FCRA. 
XX/XX/XXXX I sent them a 93A Demand Notice via certified mail requesting validation of their claim and immediate removal of the account from my credit report. Under " Massachusetts General Laws 209 CMR 18.17 : Unfair Practices : A debt collector may not use unconscionable means to collect or attempt to collect any debt ... ( 11 ) For a debt collector to report to a consumer agency on its transactions or experiences with a debtor in the debt collector 's name. '' They failed to reply whatsoever. I disputed this account with the bureaus. ARS claimed validation yet none was received in violation of the FCRA. 
In XX/XX/XXXX I sent them a second 93A Demand notice via certified mail. They failed to reply again. 
In XX/XX/XXXX I sent a third and final 93A Demand notice via certified mail. Again no reply. 
I am asking for immediate removal of this account from my credit reports and investigation into this company for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have worked incredibly hard on building my credit over the last year and a half. I have seen several increases and improvements on my other two credit reporting agencies but not with Experian. I have called and asked them why my score doesnt seem to change at all and hasnt improved to which they responded I needed to upgrade my account. I want/need and deserve an answer to my question. My scores are as follows : XXXX, XXXX and XXXX. That score quite obviously does not line up with my other two and hasnt even remotely moved since XXXX. I applied to rent a condominium in XXXX of this year and was told I had to have a minimum of a 620 credit score. Experian was the score they pulled ( I was approved for rental of the property ) and when I questioned my real estate agent how that happened, she gave me a completely different score in the mid six hundreds and told me it was more than sufficient. I just need help with figuring out why my score doesnt reflect as Ive been told and why I seem to get absolutely nowhere with Experian as a company. I have XXXX XXXX and have within the last few months purchased Fico8 to keep track ( in order to buy a house within the next few years ) of my scores accurately.. all the while Experian tells me I need to upgrade with them. I shouldnt have to upgrade anything or pay for multiple credit reporting applications in order for them to be even semi accurate. HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Never had Yamaha finance .... signed contracts with XXXX XXXX and paid the account off in full XX/XX/2020. However, Yamaha motor finance is reporting 90 days late. This account needs to be deleted from XXXX, XXXX, and XXXX immediately. Attempted numerous times to dispute through credit reporting agencies to no result. This is the last attempt for correction before I pursue legal remedies.
Product: Checking or savings account

Dear there, I opened an US bank checking account online in XX/XX/2022 and with opening promotion of {$500.00} if I made direct deposit of XXXX dollars within XXXX and login online account. I called US customer service several times in XXXX and they all told me I qualified the requirements and should receive the {$500.00} soon. Then I called again inXXXX XXXX  and one representative told me I was not qualified because of where I live. I called in another time and was transferred many times to different departments and nobody can find the location restriction of the promotion. Later they gave me another reason that is the bank account is a A state farm and US bank alliance account but I applied with US bank and they accepted the promotion mode. I think US bank deceived customers and I am total qualified for the promotion and they just dont want to make the payment. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Experian XXXX is breaking the consumer law pertaining to : XXXX account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost XXXX of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation.
Product: Debt collection

MERCHANTS AND PROFESSIONALS XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX MERCHANTS AND PROFESSIONALS : I have asked them on several occasions to please stop calling threatening and harassing me about the two alleged accounts. They keep telling me that I owe them two debts in the amount of {$26.00} and another amount of {$78.00} for two separate accounts that I have no knowledge about. and it is really stressing me out at this point in my life & mentally affecting me at my job and making me depressed. i have not discussed or negotiated any type of contract with this company nor permission to use my signature whatsoever & I have never agreed to do any type of business with this company. 

Thanks!
Product: Credit reporting or other personal consumer reports

This is absolutely horrifying. These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to paying off account XX/XX/2019 the payment history reflected on my credit report showed current and on time for the entire year. 

After paying the account off in XX/XX/2019 through their online portal, the balance owed showed {$0.00} and I know longer had access to the portal. 

XXXX came around and it showed a 30 day late on my credit report for XXXX, but the account had been paid in full prior to XXXX. I contacted the lender and the branch manager assured me the issue would be taken care of, but I would have to wait 30 days until they report to the bureaus again. Throughout this scenario I had made it clear to the lender that I am in the process of refinancing my home and need the corrections to be made ASAP. 

XXXX XXXX the update reported and instead of removing the error First Heritage went back and added 8 late payments to the account. After the dispute with the branch manager I had deemed it as some form of retaliation to affect the refinance of my house. 

I later met with the District Manager at the office and have the entire conversation documented. He stated that the errors are to do with the companys system issues. The first error that caused these chains of events was XXXX cents in interest that they stated they forgave. The manager said that even though the online portal showed the account paid in full I should have known there was a XXXX cent balance even though their system showed otherwise. He stated that he would contact the credit department to remove the late payments, He stated that they would not remove the late payments which is in their own discretion and suggested that he will discuss with the companys attorney to remove the account. He stated that the attorney stated that according to FDIC they could not remove the account from my credit report which I instantly knew that was not true. 

Imagine refinancing your house, your personal dwelling, and in the process of paying accounts off completely to be Debt Free a company feels the need to attempt to strip the entire process away. Imagine the stress that has been experienced through this month not knowing if I will lose my house because paying off a loan has backfired to the extreme due to this companies systematic errors. I have attempted to reach out to this lender but have received nothing but prolonged responses and disrespect. I am hoping to have this issue resolved to avoid reaching out to an attorney for damages. 

First Heritage Credit XXXX XXXX XXXX XXXX, TN XXXX District Manager : XXXX XXXX XXXX XXXX first-heritage.com
Product: Credit reporting or other personal consumer reports

This account has caused me  significant distress, to XXXX XXXX where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Product: Vehicle loan or lease

I paid off my car loan in XXXX that was originally with Suntrust but then transferred to Truist. However I never received any paid in full documents or anything after it was paid off. I called them ( Truist ) in XXXX to get these documents and they said they would mail it out again. I still never received anything so I called again in XXXX and they said the documents never even got generated and had to generate them again and be mailed out. Well its been a few weeks and I still havent received my paid Im full documents showing my loan was paid off.
Product: Credit card

On XX/XX/23 I extended my credit as the original creditor for the Goldman Sachs Apple Card. 

I initiated the above consumer credit transaction with my SSN also referenced by congress as a credit card pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640 , 15 USC 1691e . Further more, pursuant 15 USC 1691 ( a ) Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. 

I have attached links to congressional law for reference. https XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent correspondence to the XXXX, Equifax and XXXX and have received no response.
Product: Student loan

At the end of the XXXX  XXXX  I applied for a private student loan. I ended up not needing the loan so XXXX XXXX XXXX cancelled the loan and I never received it. It is not on my student account and it is shown as cancelled. However, they said they sent the money. I never received a private student loan from discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

Un reporting school loans and loans n names and home addresses that do n't belong to me that 's showing up on my credit report that i did that do myself or approve of being done. I believe someone else is using my name and social security number misspelling my name and birthdate at different states and addresses and has been using it to get all lunes of loans and other this in my name. I believe they been doing it for years and im just now noticing all the different loans and debit that has been done on my credit reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Credit card or prepaid card

I contacted Citi XXXX XXXX Credit Card XXXX in regards to a payment I did not authorize. I was set up for automatic payments for my monthly bill. I was setup for my statement balance to be paid in full every month. The payment was to be in XXXX separate payments monthly.. 

My bill is due on XX/XX/2023. XXXX weeks prior to XX/XX/XXXX I had made a payment to satisfy my Monthly statement balance. I checked my account online and it showed that my statement balance was XXXX and on XX/XX/XXXX I would owe nothing. 

However on XX/XX/XXXX {$3000.00} was deducted from my business banking account. When I called citi no one could explain why the payment went through or why that amount was paid. Can a credit card company just arbitrarily take random amounts from your account? 

I spent over XXXX hours on the phone with different representatives that assured me the error would be corrected.
Product: Debt collection

You are reporting this information in the credit that is not mine. I ask that this be removed from your records and credit. 
XXXX XXXX ACCOUNT NUMBER : XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX THIS ACCOUNT WAS REPORTED IN ERROR IN MY CREDIT REPORT. Please corroborate and fix instantly
Product: Credit reporting, credit repair services, or other personal consumer reports

The hard inquiries listed below are items currently within my credit file, and none of these are related applications made by me. It is my official statement that someone and/or several people have applied to these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( XXXX ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these inquiries are fraudulent, and they have known this for several months, but have yet to remove these inquiries from my credit reports. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX XXXX, there was {$450.00} balance reported from Capital one. Called Capital one and notified them this not my balance and someone opened this account using my name. No resolution. I need this balance taken off immediately because I have never used or notified of the collection by Capital one.
Product: Checking or savings account

I made a purchase online of a product that appeared to be XXXX XXXX XXXX. However, I never received confirmation and realized it was most likely a scam. {$50.00} was coming out of my account from XXXX. There was no other information. I immediately called customer support for my card, Dasher Direct, and was told they can not help me or reverse the fraudulent transaction. They hung up on me several times. Payfare International is the card company.
Product: Credit reporting or other personal consumer reports

Fraudulent activity on my credit report. Please remove. thank you.
Product: Debt collection

XX/XX/XXXX Dear Sir/Madam, I closed my XXXX XXXX XXXX  internet account in XX/XX/XXXX due to repeated problems with their internet connectivity, even though I had the service with them for 24 consecutive years. 

XXXX XXXX XXXX sent me a notice ( through their collection department, XXXX XXXX XXXX ) that I owed them {$180.00} due to early termination. I contested this via my response to them through US Certified Mail on XX/XX/XXXX. I have the Certified Mail Receipt with me. 

I have no clue as to where the " early termination '' came from. I have had the service with them for 24 continuous years. I do not recall signing any contract with XXXX XXXX XXXX about early termination. 

Now, I am getting repeated text messages from Sunrise debt collectors. I have ignored these text messages so far. Their number is XXXX, and web link is XXXX XXXX XXXX Please advise as to how resolve this matter. 

Thanks. 

Sincerely, A Concerned Consumer
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX  XXXX XXXX  XXXX, XXXX, equifax Credit report credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Student loan

Fedloan Services are reporting the duplicate loans as closed accounts and transferred and also as open and current on my credit report. The closed loans were apart of the Rehabilitation Program by Department of Education which were in good standing after they were consolidated and the completion of the program. I was promised that the past late payment would be removed and sold to another loan carrier. Fed loan picked back up the loans and are reporting the same loans as current and in good standing and the closed account as missed payment. All the loans have the same amount and loan account number. I have disputed this error with fed loans and was giving the run around to why the duplicate loans ( which are the closed account loans ) were not removed from my credit report after I finish the Department of Education Rehabilitation Program.
Product: Mortgage

I was refused a modification to my Loan with Wells Fargo Mortgage. It hasbeen over 2 years and I have not missed a single payment and not late on a sinsingle payment. I tried to tell them my situation had changed but theyrefused to work with me. I think the foreclosed on me unfairly. I want a new loan onhouse loan and my VA eligibility back. They said it was because of my taxlien. Still have lien and no problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute US BKPT CT TX XXXXXXXX XXXX XXXX Account number XXXX on my credit report several times as inaccurate ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ) as not mine but the credit bureaus have verified that it is accurate. I mailed a letter to the county records office ( XX/XX/XXXX ) pertaining to US BKPT CT TX XXXX Account number XXXX where this occurred and they replied on XX/XX/XXXX stating that they do not send information to the credit bureaus. This is where I am confused because after reading the law the FCRA if the original creditor or institution can not verify the information then the credit bureaus reporting it have to delete it. I sent this into the credit bureaus as well along with the paperwork from the county record office and it seems like they are not doing ANY sort of investigation which they are required to
Product: Credit reporting or other personal consumer reports

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. ALLY FINANCIAL # XXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
ALLY FINANCIAL # XXXX XXXX XXXX  # XXXX Please verify this account. 
XXXX  # XXXX Please verify this account Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$550.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX is giving me a hard time reporting a 30 day late payment for XX/XX/2018. I have been a customer for over 7 years for XXXX XXXX XXXX where I have reached out to them and the 3 credit bureaus over 2 months ago and still haven't heard anything back regarding this late payment. See attached documentation below.
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 violates 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.