23daVinci/CFPB_Complaints huggingface dataset:
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. Acct : THE BUREAUS 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. Inquiry : XXXX  XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Credit reporting or other personal consumer reports

This marks my ninth endeavor to dispute the inquiries and erroneous personal data within my credit dossier, stemming from purported identity theft. Once more, I am forwarding identity theft reports numbered # XXXX and # XXXX. Pursuant to FCRA section 605B ( a ) ( 1 ) ( 2 ), you are mandated to expunge any entries in my record resulting from alleged identity theft within four business days of receipt, accompanied by ( 1 ) suitable evidence of consumer identity ; ( XXXX ) an identity theft report. Enclosed are the details requiring removal : -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX A XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Please be advised that you have XXXX business days to expunge these inquiries from my credit file, stemming from alleged identity theft. I do not consent to XXXX or any automated verification method.
Product: Student loan

Sloan Servicing bought/took over my student loan. 
Ive made payment on autopay for iver 4 years, but I noticed that my original amount borrowed was less than my current amount owed. 

I called to find out why my payments are NOT reducing my balance. 

I wanted to work with someone to calculate how I could make sure that my loan gets paid off instead of never paying is down. 

The representative had ( presumably ) zero knowledge in financing and mathematical analysis. 

She said things like : its probably because, hmm, maybe its becauseyou can make an extra payment ; you can change the of your autopay. Etc. 

I asked to talk to or schedule with an expert to run numbers and scenarios. She said there is no one that does this. Its only the phone workers. It seems they only relay information from your account, which I can find myself online. 

I dont understand how I got on a payment plan that isnt lowering my balance. I received no guidance for creating a better plan. 
( I have the means to either make a lump payment and keep the currently monthly, increase the monthly, or both.
Product: Debt collection

I have received a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. These attorneys are not licensed by the Louisiana state bar. The letter states that I should pay them {$5600.00} for a XXXX XXXX account. XXXX XXXX said their client is Portfolio recovery and all payments should be given to XXXX XXXX. 

The account in question ending in XXXX was already disputed to portfolio. A dispute has been sent to XXXX XXXX also. The dispute points are. 

The account was closed in XX/XX/XXXX due to non payment. This account is outside Louisiana statute of limitations for them to harass me to suit. 

Portfolio and XXXX XXXX both state that I owe a balance of {$5600.00}. I have a statement from XXXX and on my credit report stating the outstanding balance is {$5700.00} Also I have a letter dated XX/XX/XXXX stating this account was a loan. It is showing on portfolio and XXXX XXXX that it is a credit card. 

Due to these many issues portfolio and XXXX XXXX need to cease collecting efforts as well as delete the trade line for collection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

Notice of a credit card from Concora credit arrive by mail at my home address. Noone with the name on the card lives at my home, the name is similar to my daughters, but not the same and she lives in California, not New Jersey. I have also checked with her and she did not request it. She has also tried to report the issue to Concora credit but they will not accept the complaint. I have also called Concora credit today, XXXX, and they would not accept a complaint from me. 

The name being used is fraudulent and was also recently used to obtain a phone from XXXX fraudulently. This has been reported both to XXXX and my local police department. 

To summarize, received notice of fraudulent credit in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

JJ MARSHALL ASSOCIATES INC PRETENDS TO BE LAWYERS COLLECTING ON A DEBT WHEN THEY ARE NOT. EVEN A RECENT ARTICLE WRITTEN ON THEM BY XXXX XXXX GAVE EVIDENCE OF THIS, We're not lawyers, we don't give legal advice, XXXX said. We have to seek the debt, and seek a reasonable way to pay that debt. '' ( http : XXXX ). I HAVE DISPUTED JJ MARSHALL FROM MY CREDIT REPORT MULTIPLE TIMES DUE TO THE FACT THAT I AM NOT THE PRIMARY HOLDER OF THE DEBT THEY REPORTED AS A COLLECTION ON MY SOCIAL SECURITY NUMBER WHICH VIOLATES MY FAIR CREDIT RIGHTS. I SPOKE WITH A CREDIT FRAUD LAWYER AND RESEARCHED JJ MARSHALL AND FOUND THAT SEVERAL PEOPLE HAVE THE SAME ISSUE WITH UNRESOLVED CONFLICT FROM THIS COMPANY SCAMMING THEM OUT OF FUNDS AND NOT REPORTING CORRECTLY TO THE CREDIT BUREAUS. I AM JUST ANOTHER VICTIM. JJ MARSHALL STATES I OWE {$350.00} FOR A DEBT THAT WAS MY HUSBAND 'S AND WAS CLOSED IN A  BANKRUPTCY UNDER MY HUSBAND 'S NAME. AS PROOF TO THE CREDIT BUREAUS THAT I AM LIABLE FOR THE DEBT THEY SHOWED THE CREDIT BUREAUS A COPY OF MY SIGNATURE A SECOND PARTY TO TERMINATING MY LEASE AT MY PREVIOUS APARTMENT COMPLEX. BY ME SIGNING MY NAME TO TERMINATE MY LEASE THIS DOES NOT MEAN THAT I OWN THIS DEBT, THIS DEBT WAS MY HUSBANDS AND HE WAS THE SOLE CREDIT AND ONLY PRIMARY ACCOUNT CREDIT HOLDER USED TO EVEN GET THE APARTMENT. MY BACKGROUND WAS CHECKED BUT MY CREDIT WAS NOT USED TO GET THE APARTMENT. I WOULDN'T HAVE EVEN QUALIFIED AS BAD AS THAT SOUNDS. 

JJ MARSHALL KNOWS THAT THIS DEBT WAS CLOSED IN MY HUSBAND 'S BANKRUPTCY AND THEY WERE GIVEN DOCUMENTATION OF IT AS WELL AS SEVERAL LETTERS FROM REAL ATTORNEYS. I AM NOT LIABLE FOR THIS DEBT AND I NEVER SIGNED ANY PAPERWORK SAYING I WOULD OBTAIN THIS DEBT IF MY HUSBAND DIDN'T PAY IT, A LEASE CANCELATION IS NOT PROOF THIS IS MY DEBT. I AM SURPRISED THAT THE CREDIT BUREAUS EVEN ALLOWED THAT. 

MY HUSBAND IS A XXXX FOR THE FEDERAL GOVERNMENT AND WE HAVE FREE ACCESS TO LEGAL HELP, EVERYTHING I HAVE GATHERED IN EVIDENCE AGAINST JJ MARSHALL SHOWS THAT THEY HAVE A HORRIBLE REPUTATION FOR NOT LETTING GO OF DEBT THEY CAN'T PROVE IS LEGITIMATE, THEY IMPERSONATE ATTORNEY 'S, AND THEY REFUSE TO REMOVE COLLECTIONS THAT HAVE BEEN PAID OR FILED UNDER BANKRUPTCIES. 

MY HUSBAND AND I HAD A JOINT CREDIT CARD WITH XXXX XXXX THAT WAS CLOSED IN HIS BANKRUPTCY AND THAT WAS REMOVED FROM MY CREDIT REPORT, SO PLEASE TELL ME WHY A DEBT I NEVER EVEN ASSUMED IS STILL ON MY CREDIT REPORT? THE ANSWER IS BECAUSE JJ MARSHALL THINKS THAT SINCE THE BANKRUPTCY WASN'T MINE THAT I AM NOT THE PRIMARY HOLDER OF THIS DEBT WHICH IS ILLEGAL, FALSE AND UNTRUE. THAT WOULD BE LIKE GOING TO A RESTAURANT WITH YOUR FAMILY AND THEN SPLITTING THE BILL, ONE PERSON CAN'T PAY THEIR BILL SO NOW THE RESTAURANT WANTS SOMEONE AT THE TABLE TO PAY FOR THE OTHER PARTY EVEN THOUGH THEY DIDN'T EAT THE FOOD. YES, SOMEONE TYPICALLY PICS UP THE BILL SO THE PERSON WHO CAN'T PAY DOESN'T GET IN TROUBLE AND OUT OF KINDNESS, BUT THEY AREN'T LEGALLY RESPONSIBLE TO PAY THEIR BILL. 

REMOVE THIS ERRONEOUS DEBT FROM MY CREDIT REPORT OR I WILL SUE FOR PERSONAL DAMAGES WHICH INCLUDE THE INABILITY TO OBTAIN CERTAIN JOBS, LOANS, AND ADDITIONAL CREDIT.
Product: Credit card

Have called XXXX different phone numbers trying to cancel my credit card. There are no options on the automated system to cancel and no options to speak to a representative. I took off work yesterday and lost time to visit a local Chase branch. I was given the number XXXX and told to hit XXXX #. I did and automated response was this is an invalid response. Im really tired and frustrated wasting my time trying to cancel this card due to poor customer service and the inability to speak to a representative.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 {$350.00} was sent from my banking app via Wells Fargo to XXXX XXXX XXXX XXXX for a service animal. I am on XXXX XXXX and need the support of an animal during my daily life. As soon as XXXX confirmed the amount was deposited she refused to provide me with the animal aka what I had paid for. My bank is stating that it is not responsible for the fraudulant transaction and to contact XXXX and XXXX is not responding to my note sent via email. This is through my banking app but not protected by my bank of 14 years?!? This lack of attention is a HUGE concern! 
XXXX XXXX XXXX Thank you for helping me during this uncertain and fragile time we are going through.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction with the ongoing issue of late open accounts correction, which I have brought to your attention multiple times without a satisfactory resolution. It is with great frustration that I must escalate this matter in the hope of achieving a prompt and effective resolution. 

I have been a loyal customer of Credit Bureaus for a considerable period, and I have always appreciated the quality of services your company offers. However, my recent experiences have left me disappointed and concerned about the lack of attention to correcting the late open accounts associated with my account. 

I have made several formal requests through phone calls and emails to your customer service department over the past months ago, seeking assistance in rectifying these late open accounts. Despite my efforts and repeated assurances from your representatives that the issue would be resolved promptly, the problem persists. The late open accounts are not only causing significant inconvenience but also negatively impacting my credit history and financial stability. 

I believe in the importance of maintaining a healthy business relationship with Credit Bureaus, but this ongoing problem is testing my patience and trust in your organization. Therefore, I kindly request the following actions to be taken immediately to address this issue : I urge you to prioritize the correction of the late open accounts associated with my account. Please assign a dedicated representative who can work on this matter promptly and provide regular updates on the progress. 

I request full transparency regarding the steps being taken to resolve this issue. I would appreciate a detailed explanation of the root cause of the problem and the specific actions being taken to prevent its recurrence. 

Given the prolonged inconvenience and potential harm to my financial standing, I believe that appropriate compensation is warranted. I kindly request that you consider compensating me for the troubles I have endured. 
I expect better communication from your customer service team. Timely updates and responses to my inquiries are essential to rebuilding my trust in Credit Bureaus. 

I hope that this letter serves as a clear indication of the seriousness of this matter and my commitment to reaching a fair and satisfactory resolution. I believe that Credit Bureaushas the capacity to rectify this issue and restore our business relationship to its previous positive standing. I am asking for your assistance to correct the following late open accounts : XXXX XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sued Equifax Information Services, LLC among others and settled with Equifax out of court. The case was dismissed in XXXX of 2021. Since that time they have been reporting my score in the mid to high XXXX, down from the XXXX plus. 

There are no collections and the Balances on the loan ( medical reasons ) and credit card have decrease thru out this time. I have called that the online version is known to be error, the score in the system they use is over XXXX and in one case to contact my attorney cause it was retaliation for suing them. Also the reports I was supposed to receive never arrived and let us not forget them changing my current address to an old one they admit to. 

I have over 45 years in XXXX as a XXXX XXXX XXXX and if one or multiple Databases can be fixed by using XXXX, XXXX or any program for updateing, either online or batch. 

I am going for a Mortgage on a new house and the above can and will hurt. 
XXXX XXXX XXXX
Product: Debt collection

I have been having problems with my credit union because they got a garnishment letter from an attorney. The credit union and the attorney both are trying to tell me the letter went through the courts. The court it supposedly was processed through is in a county that I havent lived in in over 5 years. I called the courthouse and they said the only case they have is from XXXX. I called back the attorney and he stated that the courts were looking at the wrong case and that the case was from XXXX. He said I owe them and better find a way to pay it. My credit union keeps telling I need to settle this debt.
Product: Debt collection

A XXXX  XXXX card was charged off for XXXX. Resurgent/LVNV is attempting to collect for XXXX. I asked for verification of the debt from one company, they told me they couldn't provide it as it went back to LVNV. I looked on resurgents website, and nothing was there. I called, and they said they can not share my own account information with me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app aka ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic 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 or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX let someone else open a credit card under my name XX/XX/2017 without any hard inquiries in advance, all of XXXX credit reporting bureau ( Experian, XXXX, XXXX ) are failed to inquire me about this case even despite I put 90 day fraud alerts XX/XX/2017. After I read about XXXX online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this account.
Product: Credit reporting or other personal consumer reports

Theses Account have Affected my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to the fair credit reporting act ( FCRA ) 605B Its is illegal to report information on my Credit report without my permission please remove these items from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted a letter 4 months ago and again in the past month. Which has been ignored twice by Experian. Twice. There are 4 errors in my credit profile Experian is reporting incorrectly. Experian has refused to properly investigate and, provide proof of these said debts, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX and XXXX XXXX Experian have not provided any information to me about any of these 4 incorrectly reported and unverified accounts. And according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts I have submitted to them twice. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed in my letter. They have refused to comply. Attached will be a copy of my original letter I wrote. The copy is before I signed and sealed the letter in the envelope in front of a impartial witness who is a Notary Republic in XXXX County in the state of North Carolina. The signed and notarized copy with a copy of my drivers license, Social Security card and all updated address were sealed and mailed certified and confirmation it was recieved by Experian. This company needs to be held accountable for the negligence of there employees and company practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for XXXX XXXX bankruptcy in XX/XX/XXXX. By bankruptcy was discharged XX/XX/XXXX on a 100 % repayment. I have a creditor, Mariner Finance, that reported my account as severely delinquent during my bankruptcy period. This creditor was included in my plan however the credit bureaus indicated that the creditor provided sufficient documentation to support their actions.