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

I recently discovered that a collection I paid was not mines. I will be suing the collection company to recover my funds However, I attempted previously to have item removed by XXXX and received a letter from stating the account was verified as accurate. I request written verification or removed accordingly. Again, I sent XXXX a letter which they received XX/XX/XXXX via certified. I ask them to remove the unverified collection account or to provide written verification documentation. I knew they would not be able to provide proof because the debt was not mine. I also reached out to XXXX and they recognizes this and removed the collection immediately. I have not received written verification because it does not exist and the collection continues to be reported. 

Experian has also failed to provide WRITTEN VERIFICATION, not false certification by XXXX, but by a signed agreement or legal document with my signature or voice authorizing the amount they claim is past due in collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA. I need the following items removed off of my Credit File as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$7300.00} XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} ( previously late open ) XXXX XXXX XXXX Balance Owed : {$0.00} ( previously late open ) XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX Unpaid Balance {$15000.00} XXXX XXXX XXXX  XXXX Unpaid Balance {$120.00} XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021. I demand that you remove these fraudulent items from my credit report immediately, and provide me with a written confirmation of the removal. Failure to comply with this request will result in legal action against you, as I will not tolerate any further damage to my creditworthiness.
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 app ( 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 their 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: Payday loan, title loan, personal loan, or advance loan

I took out a loan for {$500.00}, and their paperwork said XXXX payments of {$140.00} or until the loan is paid off. I assumed after XXXX payments of {$140.00} that I would have more than paid back the loan. When called, they told me I only paid off {$6.00} from the {$500.00} and the rest of the {$570.00} went to their interest and fees. This is insane and was NOT explained to me clearly at the point of sale. 

This is a deceptive business, and they provided zero recourse except to pay it off. So to get a short term loan of {$500.00}, in total I am ending up paying {$1000.00} to them after having to pay {$490.00} to close this account.

Their paperwork clearly stated 10 days OR until the loan is paid off, and did not clearly list out the interest fees. If I would have known this was their setup, I would have never signed in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened complaints with XXXX XXXX XXXX XXXXXXXX, CFPB and as of yesterday wrote the White House. 

The Cares Act when executed stopped all Federal Student Loans payments and placed them into COVID Forbearance. Consequently, this reflected on credit reports in some situations as not reporting and on others as Late, see attached. The major issue is that as a personal consumer I never requested the Department of Education, XXXX XXXX or XXXX to place my loans in deferment. Once I noticed the ACH not being withdrawn from my account, I contacted XXXX XXXX  and requested payments be reinstated. Recently, my loans were transferred to a new service provider and with the extension of the Cares Act 0 % interest thru XX/XX/XXXX, they stopped my payment without my authorization. 

This is having a negative effect on my credit report. A consumer should have to request forbearance or hardship, loans should not be placed into deferment unless requested. I have attached my XXXX  history and I have opened disputes with all the Credit Bureaus and XXXX  XXXX continues to update inaccurately. I have an open dispute for the posting of the XX/XX/XXXX Payment that never posted prior to transfer to XXXX. 

I believe COVID Forbearance should be removed from any credit report as there was no authorization to stop payments. They just stopped. For an individual like myself that caught it and reinstated payments, especially! 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Student loan

I have XXXX loans with lender, Sallie Mae, from my XXXX program, starting XXXX. XXXX began XX/XX/XXXX. Interest accrued continuously since XXXX. Loan interest rates for all four loans are above 13.8 %, nearly quadrupling all loan payments for a total of XXXX making monthly payments near XXXX. 
I am unable to make this payment monthly and this lender refuses to provide, in any way shape or form, any loan repayment program, income based payment, refinancing, or consolidation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted earlier this year by a person claiming to represent Hyundai stating that I had a past due balance on my account. At that time, I was unaware of any balance due, and had already turned in this leased vehicle to the dealership months earlier, in favor of a renewed lease on a newer vehicle. While speaking to the agent on the phone, I logged into my account at hmfusa.com, and saw that I have a {$0.00} balance. My most recent statement for this account was dated XX/XX/2019 and showed Total Amount Due {$0.00}. 
Considering I had an unknown person calling me unsolicited and asking for money, while giving me conflicting information from what my online statement showed me, obviously this raised red flags. The agent was unable to tell me why my online account showed no balance due, or what the amount owed was for. The agent advised they would mail me an invoice showing me the balance due, which I agreed to review and pay if it was in fact legitimate. 
This invoice never arrived. I have still yet to receive any piece of paper showing what the balance owed is for. 
Moving forward, I have been in the process of refinancing my home. Earlier this month, my mortgage broker advised me that they noticed a sharp drop in my credit score from one day to the next. I immediately reviewed my credit report to find that Hyundai reported my account as seriously delinquent, for a vehicle I had turned in more than six months ago, and for an account to which I have no statement showing I owe any money. To add to this, my account was enrolled in autopay, which served to pay any balance for the duration of my lease. Any money owed should have just been debited from my account, but that is not what happened. 
I have since attempted to resolve this matter with Hyundai Motor Finance over the phone over multiple occasions. I was transferred, hung up on, and lied to. I was told I would receive a call back from a manager within 72 hours, only to find out a week later that no managers make outbound calls, and that there was no record of that request on my account. 
I have since paid the balance due, despite still not seeing any invoice to indicate what it was for, as my concern for the $ XXXX dollars that I was told I owed is far less than the impact this has taken on my credit report. I have worked very diligently throughout my life to maintain a flawless credit score, however this incident has taken me from over 800, to in the 600s at the time of this writing. I am in the process of trying to refinance my home, and this incident is severely impacting my ability to do so, and in turn costing me FAR more money than the {$300.00} Hyundai requested ( and in turn received ) from me.

I have now sent a letter in writing to Hyundai, as I was told this is the only method I am able to communicate with their disputes department. I initiated a dispute with XXXX when this first appeared ealier this month, however just today this has now appeared on my XXXX   report as well, despite having already been paid! 

I have attached the most recent statement I have for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA XXXX, XXXX Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed accounts with XXXX, Equifax, and XXXX dated back on XX/XX/2022. According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results and to record the current status of the disputed information in which they did not which is a violation I have the evidence below for the following accounts. XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXXXXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX,
Product: Checking or savings account

In XXXX of this year Simple bank sent me a notification that it would be closing in XXXX and my current account would be transitioning to its partner bank BBVA USA. I was assured that the transition would be seamless. On XX/XX/XXXX Simple bank officially closed and I was given instructions for enrolling in online banking with BBVA. I was instructed to download the BBVA online app and enroll using my existing account information. On XX/XX/XXXX I started the enrollment process through the app. I made it half way though the enrollment process when the app gave me an error message and told me to try again. When I attempted to enroll again I received an error message that my account had already been enrolled and for security purposes had been locked. I was given a customer support number to call to unlock the account. I called twice on XX/XX/XXXX and was placed on hold for about 45 minutes before being disconnected both times. I attempted to call again on XX/XX/XXXX and was transferred to three separate CS agents over the course of two hours and eventually hung up on. I have no access to my online banking and have no way to access my money. BBVA has acknowledged that this is an ongoing problem on their website and XXXX account however no formal notification has gone out to customers with further information.
Product: Credit card or prepaid card

I used the CITI credit card on XX/XX/XXXX and made a payment of {$10000.00} and several other smaller payments amounting to {$10000.00}. I paid the credit card in full on XX/XX/2021 and the money was taken out of my bank immediately. I have not been able to use the card and have not had access to my funds since. I called and i was told i have to wait until XX/XX/XXXX. Meanwhile i have been humiliated every time i have tried to use the card being told i have insufficient funds. 

Citi had no problem taking the money immediately but now it wont give me access to my funds
Product: Payday loan

I have been contacted regarding a payday loan I supposedly applied for in XXXX 2011 and failed to pay back. I did not take out a payday loan during this time and not with this company or any of it 's affiliates. They have my personal information and have read it to me when I called them back. They have contacted my mother and spouse and threatened to have me arrested if I failed to pay this loan back. I do not owe them money and I want them to stop harassing me and my family. They call from different numbers daily and the address listed on " their website '' is actually the address for a XXXX XXXX in New York. It has reached the point where it has made my wife and I nervous and looking over our shoulders.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in XXXX, XXXX, XXXX, AND XXXX to 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 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

I Im filing a complaint against Cash App ( Block , inc ) due to an adequate customer service and unfair practices, which violate the consumer financial protection act, ( CFPA ) specifically, Cash App failed to take timely in effective measures to prevent and avoid fraud on their platform leaving my account, vulnerable and unprotected Furthermore, theyre dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under electronic funds transfer act and the 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

XXXX  Account XXXX Has Violated the FCRA sec 623 ( a ) ( 1 ) ( b ) the law clearly states and I quote Sec 623 ( a ) ( 1 ) ( B ) If a consumer notifies a furnisher that the consumer disputes the completeness or Accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing NOTICE OF DISPUTE The credit reporting agency violated my rights under 15 USC Code 1681i ( a ) ( 1 ) ( A ) I disputed this Twice for failure to put by law the the required Comments NOTICE OF DISPUTE on this account. they gave me, this information is accurate which in fact is inaccurate. I gave them two opportunities to Delete this account for being Inaccurate. to this day it has been ignored or disregarded I demand immediate removal of this account. 

Attached consumer reports screen shots to prove the failure of NOTICE OF DISPUTE is not on any consumer reports since disputing started on this account.. 
LISTED BELOW ARE THE DATES the CRA COMPLETED their so called investigation in case they pull a fast one and say I never Disputed the account Complaint ID XXXX against Transunion completion date XX/XX/2022 Complaint ID XXXX against XXXX Completion date XX/XX/2022 Compliant ID XXXX against XXXX Completion date XX/XX/2022
Product: Debt collection

During my services in the XXXX my identity was compromised. I have worked hard to get this resolved. However, today I discovered that Experian has a Rental History department and it is negative reporting false accounts with XXXX and XXXX XXXX. I have never rented or done any buisness wit h either entities. I demand that this and all other negative items be removed from my Experian renal history department. When i contacted Experian 's rental history department they stated that it was separate from the credit department. I have emailed the FTC Affidavit to Experian ' rental history department. I was denied a rental property for this.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 



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

The list of accounts has violated my federally protected consumer rights to privacy of confidentiality under 15 USC 1681. XXXX XXXX XXXX  account has violated my rights.

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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was stunned to see incorrect accounts show up on my credit report today. I have no idea how it happened. I always check my report, and this time there were errors that made no sense. I even refreshed the browser, hoping it was just a glitch, but the mistakes remained. Im really frustrated and want my documents checked thoroughly so I dont have to deal with this again.
Product: Debt collection

On XXXX I had a flood in my home, and I notified my insurance co. A repair man was sent to my home to check where the leak was. On XXXX the repair man, representative of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX  came to my home. I was presented with contract which I believed was to set up fans and humidifiers to dry the area. 
I was told that I needed to sign this contract for work to begin, the contract was not explained to me. I was emailed an invoice for {$1300.00} for consulting fees. I also was emailed an invoice from XXXX XXXX XXXX for {$12000.00}. I do not owe this money because I did not receive these services, the only service that was done was drying the affected area, which my insurance paid them {$1800.00} direct to XXXX XXXX XXXX. I was contacted by XXXX, XXXX XXXX XXXX on XXXX for {$1500.00}. I do not owe any of this monies and will not pay them. I believe this FRAUD and ELDER ABUSE. 
Respectively, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. I sent a letter on XX/XX/XXXX to remove accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$5800.00}
Product: Money transfer, virtual currency, or money service

Cash app took {$76.00} out of my account then froze my account. My social security check was direct deposited a couple days later and I am unable to touch my money even to withdraw. I have called numerous times and they tell me that my complaint has been escalated. I am unable to pay my rent or purchase groceries and prescriptions.
Product: Prepaid card

I brought a XXXX debit card. I loaded XXXX on the card. At XXXX. I tried to activate the card.and was told I ca n't activate becuase there is a restriction on account. Representative said she will send a email to have it removed in 4 hrs. The next day I called to check on the status is the Restriction. The automatic machine allow me to complete activation. XXXX I finish it said my balance was XXXX. I asked customer service, they said it was a debit for XXXX i owed net spend from XX/XX/XXXX I have filed bankruptcy in XX/XX/XXXX and it was discharged. Also I do n't understand how I owe money on a pre paid card. When I asked for proof of debt they said they do n't have it. And to be honest the last time I hand net spend was in XX/XX/XXXX.
Product: Checking or savings account

XXXX $ was wrongfully taken out of my account and I was charged {$700.00} and they closed my account a few years back I can get all the information. I still dont know what to do.