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

I am asserting my right to dispute and investigate these incorrectly reported accounts on my credit file. As per the Fair Credit Reporting Act, I should receive {$1000.00} for each erroneous report. I know that FCRA 605B obliges us to report any incorrect information on a consumer 's report.
Product: Credit reporting or other personal consumer reports

I was shocked to see incorrect accounts suddenly appear on my credit report tonight, and I have no idea how this could have happened. I routinely check my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Because of this, I am requesting a thorough review of the documents I've submitted so I can put this worry to rest.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

The items below should all be updated to paid as agreed on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DISPUTE : This is documentary evidence XXXX XXXX XXXX, registered agent has received the XXXX order that is issued in the United States District Court for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TransUnion, LLC.,. Case number : XXXX. In addition, ( Plaintiff ) has complied with the order by way of forward a copy of the Court order to the defendant ( s ) ( TransUnion, LLC. ). Please see attachments. Thank you for your timely cooperation. XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting

There is an account opened on my credit report that I did not open. I have just recently been released from incarceration year XXXX. The Day of my incarceration was XX/XX/XXXX. The account was opened during my arrest : Last Reported XX/XX/XXXXCreditor Name CERTEGYAccount Type Returned CheckAccount Status OpenOpened Date XX/XX/XXXXClosed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance $ XXXXHighest Balance -- Payment Status Collection/Charge-OffWorst Payment Status -- Date of Last Payment -- Amount Past Due $ XXXXTimes 30/60/90 Days Late XXXXRemarks Charged off account
Product: Debt collection

XXXX XXXX XXXX misrepresented facts to consumer and the CFPB in response to a recent complaint. Consumer and XXXX XXXX XXXX were involved in an ongoing dispute regarding an underlying XXXX XXXX credit card account. In or around XX/XX/2018, consumer and XXXX   XXXX XXXX engaged in settlement negotiations over a dispute regarding the veracity of purported debt. XXXX XXXX XXXX provided a settlement offer. In a letter dated XX/XX/2018, consumer proposed a counteroffer to settle the dispute. On XX/XX/2018, XXXX XXXX XXXX   confirmed the settlement agreement and accepted the agreed-upon settlement amount noted satisfaction in full. The corresponding settlement check itself was submitted to the address specified by XXXX XXXX XXXX and Alliance Data pursuant to the XXXX. A review of records corroborates this. Despite this, XXXX XXXX XXXX  sent consumer a letter dated XX/XX/2018 indicating that the debt had been " charged off '' on XX/XX/2018 and sold to another company called XXXX XXXX XXXX XXXX. XXXX XXXX XXXX continues to report the matter negatively to the credit bureaus and refused to honor the settlement agreement, which required that the matter be reported as settled in full/ satisfaction in full. XXXX XXXX XXXX also misrepresented to the CFPB and consumer that the settlement check was sent to an incorrect address.
Product: Debt collection

On XX/XX/year>, I entered an agreement with a company by the name of Paycheck Solutions. After a few payments I ran into a financial hardship due to a car accident that resulted in my vehicle and only means of transportation being totaled due to a drunk driver. I immediately explained the situation with paycheck solutions, and they allowed me to make one parcel payment, but was not given any other type of solution. I stayed in contact with Paycheck Solutions continuing to update them on my current situation and was told that there was nothing they could do. Paycheck solutions continuing to try and charge me even though I told them that the funds were not available. Without any type of court paperwork and or any type of notifications about wage garnishment, Paycheck solutions apparently sent my place of employment court documents with a case number to garnish my wages. I found this out two days before receiving my paycheck from a paycheck stub that is provided a few days before payment. After speaking with my company payroll department they said that there was nothing they could do because of the court order. I explained to them that I am unaware of a court order as I was never given information. I then contacted Paycheck solutions and asked them to provide the documentation that was provided to my employer and didn't receive the information requested. Instead they responded that they would send a release form to my employer payroll department and I could work out the payments with them. So, money was garnished illegally from my paycheck.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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

THIS COMPANY IS CONTINUOUSLY REPORTING UNVALIDATED, INACCURATE, FRAUDULENT INFORMATION. I have contacted this company numerous times in the past about XXXX XXXX reporting UNVALIDATED, INACCURATE, FRAUDULENT information on my credit reports. I AM A VICTIM OF IDENTITY THEFT!! I EXPLAINED THIS TO BOTH THE COMPANY AND XXXX XXXX NUMEROUS TIES!! This company comes back with the information as being verified and accurate, yet they choose NOT to send me ANY proof thereof even though I repeatedly ask for it. How can you claim something as validated and accurate when you have NO proof thereof. On the most recent credit report they sent to me, they claim the disputed debt from XXXX XXXX was verified as accurate. How can that be the case when I have received a letter ( see attached ) from the same supposed original creditor who refutes what this company and XXXX XXXX claim. THIS IS A BLATANT AND PURPOSEFUL VIOLATION OF MY RIGHTS!! I WANT EVERY ENTRY FROM XXXX XXXX COMPLETELY AND PERMANENTLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY!! Then I want written PROOF that this has been done!!!
Product: Mortgage

I have been trying to apply for a modification for MONTHS. XX/XX/XXXX keeps saying they have not received my submission package, even though it has been sent 2 times to their email address for submissions, XXXX AND XXXX. 

The first package was emailed to them on XX/XX/XXXX. They waited to tell me on XXXX that nothing was recd, so it was emailed to them again. 

Today, XX/XX/XXXX, they said they again did not receive the emailed package, AGAIN. 

I have attached proof of the emails they have received. They are pushing me into foreclosure and saying they haven't recd my packages, even though the headers show there was no bounces or no pushbacks from the email servers. 

Embarrasingly, they are forcing me into doing an appraisal when I work for the county and all of the people in charge of my appraisal work with me as I work for the county ( the sheriff handles foreclosure appraisals here ). This should NEVER have happened nor gotten this far.

My counselor talked to the foreclosure attorney today, and he said that if XX/XX/XXXX had just reached out to him, he would have cancelled the appraisal, but they did not.

I really need help getting them to respond because this is getting scary. They can easily just tell consumers that they " didn't receive the package '' and foreclose. 

My hud counselor called in and tried to get a supervisor on the line to help mitigate this and do the right thing, but as soon as XXXX ( loss mit rep ) messaged the supervisor, she " read '' the instant message and left the chat. XXXX told us to send an email to the loss mitigation email asking a supervisor to stop the appraisal, so we did. No response, of course. 

I have attached my hardship package and the email confirmations showing they rec 'd my info, TWICE, at 2 different XX/XX/XXXXemail addresses. They also ignore the third party auth forms I have sent in at least 6 times since XX/XX/XXXX. 

I have the receipts showing there is no bounced emails to XX/XX/XXXX ; there is literally no excuse for this behavior - unless they are just trying to push me off and just sell my house.
Product: Debt collection

I received several calls, emails about the credit card, I stated that I couldnt pay. They proceed to a collection agency that harasses me, threatening to take me to court.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account associated with my credit report has never been late on payments, Kindly review and correct this information.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX removed {$290.00} from account without written information a debt or request to pay debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA, the XXXX Credit Card now HAS to be removed from my reports from all bureaus. I have sent them a certified letter asking for ORIGINAL CONTRACT, PHYSCAL SIGNATURE, RECORDING BY VIDEO OR PHONE OF ME ASKING FOR A LINE OF CREDIT. Furthermore, I asked, if this account has been sold, who was it sold to, how much was it sold for, etc. They, by law, had 30 days to respond. The have not. Therefore, under FCRA, this account has to be removed immediately. 

Attached is PROOF that if they company itself can not validate or verify the account with ME, whom they choose to report as having an account, there is no way the bureaus have HONESTLY been able to VALIDATE or VERIFY and be able to report an longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The account XXXX XXXX XXXX XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts appearing and Inquiries on Credit Report. 


Inquiries fraudulent accounts and inquiries appearing on credit report. Inquiries 1. XXXX XXXX  2.XXXX XXXX. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX 7 XXXX  XXXX XXXX 8 XXXX  9 XXXX XXXX XXXX 10 XXXX 11 XXXX XXXX XXXX 12. XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following itemXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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 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

Navy Federal I demand that you cease and desist from all forms of communication including my consumer report! My consumer report is in fact a medium! Which means its communication. I demand deletion from all consumer reporting agencies immediately sue to indirect communication! Do not send statements, do not contact me in any form, do not sell any information containing me to any third party or give my personal information to any third party. Cease and desist from reporting in writing regarding this natural person, the original creditor, that I am!
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I reviewed a copy of my credit report today and noticed that my credit score tumbled. I took a closer look to determine why and notice that a company -- XXXX XXXX XXXX XXXX reported that I had an account with them that is seriously delinquent in the amount of {$180.00}. I have never hear of the company. I have not received any phone calls or notice from this company regarding this debt, nor have I received the opportunity from this company to verify this debt before it was placed on my credit report. I called the company and spoke with a XXXX XXXX. XXXX XXXX provided me with the account number for the debt which is XXXX. He stated the debt was sold to XXXX XXXX so he is not sure why his company is updating the debt with XXXX. I told him that XXXX XXXX is reporting the debt to XXXX and that I was planning to report his company 's behavior to CFPB he said to go ahead. I called XXXX to file a dispute and XXXX agreed that it is strange that XXXX XXXX XXXX would sell the debt then turn around an report it on XXXX XXXX, 2015 on my credit report.
Product: Mortgage

XX/XX/XXXX, I reached out to BOA due to an inability to pay our mortgage due to my husband and I both being out of work. I have attached a time line of all of my interactions with BOA over the summer as I worked with them to get assistance with a loan modification. Basically, I have complied with every request when I received it. Their communication with me was not accurate, I had to deal with a different person every time. The website was not useful. XX/XX/XXXX I received letters saying my information was under review and a letter saying my loan was being transferred to another bank. When I called to check on it on XX/XX/XXXX, I was told the review had been completed on XX/XX/2016 and I was apologized to for not having been notified, but there were things I needed to fix. They were now asking for things like signatures that they had not requested previously. I asked to speak to a manager, was transferred to voice mail and I never received a follow up call or any other communication from BOA. 

We are actively seeking employment ( and have been for sometime ). I have XXXX interviews this week. We just need assistance with keeping our home. We have lived here for 23 years and certainly do n't want to lose it. We just have hit a patch of bad luck.
Product: Payday loan, title loan, or personal loan

I contacted Availiblue and let them know that I was involved in an auto accident and I was not working my full schedule and therefore unable to make my payments and if I could work out something where I could restructure the payments or make a lower payment. I was told that this is not the way the company does things and I would be responsible for the full payments. I have now gone into default because the company wouldn't work with me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app block INC due to an adequate consumer service and unfair practices which violates the consumer financial protection act CFPAS especially cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account burnable and unprotected. Furthermore, they are dispute. Resolution process was unfair and deceptive as they did not comply with resolution requirements under the electronic fraud transfer act that EFTA and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress this violation.