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

TRANSUNION has failed their GRAVE DUTIES under Tittle 15 USC 1681. XXXX is in federal violation under 15 USC 1681b they DO NOT have my written consent to furnish a report on behalf of the original creditor. Under the Gram Leach Bliley Act TRANSUNION IS A FINANCIAL INSTITUION and under 15 USC 6802 and 6821 I have the right to privacy and having my nonpublic information not reported and opted out. TRANSUNION has not been respectful to my right of opting out and privacy and have not exercised their GRAVE DUTIES under congressional findings and removed the demanded information from my report. TRANSUNION is in FEDERAL VIOLATION and is liable for damages under 15 USC 1681n 15 USC 1611 15 USC 1644 for fraudulent unauthorized use of my credit report and credit card.
Product: Debt collection

XXXX is continuing to report a medical bill and violate my rights! Not only does this violate someones HIPPA rights so many other violations!
Product: Money transfer, virtual currency, or money service

I'm trying to cash out from cash app
Product: Vehicle loan or lease

BMW Financial credit reported as late payment the ballon payoff for my vehicle loan. 
BMW states that the ballon payoff was due on XXXX. BMW deducted the a regular monthly payment on XX/XX/2020. This was right in the middle of the Covid crisis. 
I called BMW to notify that my son and daughter had covid. I was under the quarantine and ask if I can pay thru a Wire transfer and BMW refused to accept the payment method stating that it was company policy. I told BMW Customer service that Puerto Rico Governor 's Executive orders were one of the most severe Covid lockdowns of USA. I explained to BMW that under the lockdown and my quarantine, I could just go to the bank due they required an appointment and the only date available provided by the Bank was XXXX XXXX. BMW reply was that it was company policy and they could not make exceptions. I had to wait until XX/XX/2020 to make the Managers Check and they received the payoff payment of XXXX XXXX ( 34 days later ). I called BMW financial to ask for my history payment and to see that I never missed a payment in 5 years! This is discriminatory against someone who lives in Puerto Rico and following local Governor 's Executive orders and the XXXX for XXXX XXXX and XXXX Guidelines.
Product: Student loan

I took out Stafford loans while earning my   XXXX   at the University   XXXX   XXXX   (  XXXX - XXXX  ). I have been paying far in excess of what is due each month in order to pay my loans off quickly. I have paid {$22000.00} in total on the loans serviced by   XXXX   ( others are serviced by  XXXX  ) and have never been late on a payment. In  XXXX ,   XXXX   listed my loans as in default even though I had paid the monthly minimum on all of them and extra on others ; I paid {$2000.00} on  XXXX / XXXX / XXXX  and {$260.00} on  XXXX / XXXX / XXXX . After multiple calls and yet another payment on  XXXX / XXXX / XXXX  for {$590.00}, they changed the status to paid. On  XXXX / XXXX / XXXX , I paid {$2900.00} which far exceeded the amount due. However, on  XXXX / XXXX / XXXX , I received an e-mail saying my account needed immediate attention. When I logged on to  XXXX  's website, it said my loans were past due and I owed {$160.00}. I paid the amount ( via the website ) immediately even though I should not have had to just so that none of my loans would be listed as past due. However,   XXXX    continues to list my loans as delinquent. I spoke to  XXXX , a supervisor, on Wednesday,  XXXX / XXXX / XXXX  who said she would refer the issue to Accounting, look into it further, and call me on Friday afternoon. She never did. The company is closed on weekends. On Saturday,  XXXX / XXXX / XXXX ,  XXXX  charged my account a {$7.00} late fee without notifying me they would be doing so. I called  XXXX  on Monday morning,  XXXX / XXXX / XXXX  and spoke to another supervisor,  XXXX , who said he would send another request to Accounting and call me later that day. I received a call from  XXXX  instead who said  XXXX  was still looking into the matter and she was not sure when it would be resolved. I asked to speak to her supervisor but was told she was unavailable. I did receive a voicemail message from her supervisor,  XXXX , on  XXXX / XXXX / XXXX  after I left another message for her but she did not provide any information and did not return my call back to her. I also spoke to  XXXX  in Compliance on  XXXX / XXXX / XXXX . She assured me she would have " past due status '' corrected and call me the following day. She did neither. I continue to receive calls via an automated system from representatives telling me my account is past due. When I ask to speak to a supervisor, I am placed on hold for approximately for several minutes, sometimes only to be told that none are available. Yesterday morning (  XXXX / XXXX / XXXX  ) for example, I was placed on hold for 20 minutes so that I could leave a voicemail for  XXXX , only to be disconnected. I 've also contacted the company twice via e-mail (  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  ) but have not received a substantive response. This is fraudulent and unethical.  XXXX  should not be permitted to manage student loans, especially federal loans use to fund a public university.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CASHAPP/Block, INC due to inadequate customer service and unfair practices which violate the Consumer Protection ActMy account and information was left vulnerable due to failure to effectively prevent this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I filed a dispute with XXXX  in regards to a collection account being reported on my credit report i received a response in late XX/XX/XXXX that the account had been VERIFIED as belonging to me and would continue to be reported on my XXXX  credit file. I since a 2nd dispute notification to XXXX  in XXXX of this year XXXX, I received a response from XXXX  dated XX/XX/XXXX that stated " The disputed item is not currently reporting on the XXXX  credit file '' which was FALSE and I suspected that so I pulled my report via my personal XXXX  account and sure enough the collection account was still being reported on my XXXX  credit file as of XX/XX/XXXX. In XXXX of this year I filed two separate disputes with XXXX  because I have yet to be provided with detailed VERIFICATION that this account belongs to me nor is by dispute even being investigated. I received two separate responses from XXXX  none that provided Verification of the account belonging to me. In XXXX of this year I contacted the debt collector and the company responded that the debt was SOLD to them in XXXX to XXXX but provided NO information that VERIFIED I owed XXXX XXXX XXXX {$940.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a student loan back in XXXX that was written off in XXXX and closed by the US Department of Education. The balance was erased and everything was reported accurately to the credit reporting agencies until XXXX I recently checked My XXXX credit report and the loan is appearing as three separate loans which is incorrect and violated double jeopardy laws in place to protect consumers from inaccurate credit reporting as per the Fair Credit Reporting Act. I have attempted to contact the lender but since its a loan I was informed that XXXX should be contacted.
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed by a XXXX XXXX XXXX XXXX XXXX. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, XXXX, XXXX EQUIFAX a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aformentioned accounts, collections, and or hard inquiries as reported. The aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$320.00} XXXX  XXXX Balance : {$510.00} XXXX  XXXX Balance : {$34.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$480.00}
Product: Credit reporting or other personal consumer reports

Approximately 3 years ago I joined a health club Named XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. Assuming I was signing a regular membership agreement I signed up. 
After a few months resigned membership but they continued to debit my bank account. 
I contacted the management it was then I learned that I had signed a one year contract. 
This was not disclosed when I joined and this is a rarity in this industry. So. They said I owed XXXX $ to terminate. Then they added XXXX $ in late fees and junk fees. This is fraud. 
After a few months they sold the contract to XXXX XXXX XXXX. in XXXX Utah a collection agency. Account XXXX Upon investigation of XXXX XXXX I learned they have an F ratingawith multiple complaint s At the XXXX
Product: Credit reporting or other personal consumer reports

credit karma has illegally pulled my credit XXXX times since XXXX according to experian. 
XXXX XXXX 

this is a crime. there is ongoing litigation. stop. as i have written and demanded many times before. i have opted out of all credit products years ago. this is criminal. send the response to XXXX and XXXX  XXXX XXXX XXXX New York XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally address ongoing issues with Equifax 's inaccurate reporting of my credit file, despite repeated attempts to resolve this matter. All other credit bureaus have successfully updated their records without issue, yet Equifax continues to report incorrect information. 

XXXX Account : This account has been paid in full and closed. However, Equifax is still reporting it as open with XXXX XXXX of the balance unpaid. Please refer to the attached document that clearly verifies the accounts closure and paid status. 

XXXX XXXX : This balance has also been paid and closed. The attached documentation confirms this, yet your records still inaccurately reflect otherwise. 

Furthermore, I have previously submitted the required documents months ago, yet instead of updating my account, Equifax has repeatedly asked for unnecessary documents and failed to resolve the issue. 

I demand that you update your records immediately to reflect the accurate status of these accounts. Failure to do so leaves me no choice but to pursue legal action, including filing a claim in small claims court, as your negligence continues to harm my financial standing. 

Please address and correct these inaccuracies promptly. If I do not receive confirmation of the corrections within 30 days, I will escalate this matter further.
Product: Debt collection

Statebridge contacted about collecting a debt that I have already paid. They served me by Certified Mail, on XX/XX/XXXX ( Date received ) of an account which they planned to accelerate. The actual date of the letter is ( XX/XX/XXXX ) and the debt is identified as Loan # XXXXXXXX. I do not have any responsibility for the debt youre trying to collect. I have already paid this loan off with the original lender in XXXX of XXXX. 

The account is already settled, already paid. XXXX XXXX XXXX ( XXXX XXXX. XXXX ) was paid by XXXX XXXX XXXX XXXX on XX/XX/XXXX in a refinance of my home loan. ( XXXX XXXX. XXXX ) Payoff to XXXX XXXX ( {$48000.00} ) per ( Escrow # XXXXX ) Funds were over-nighted by XXXX to XXXX XXXX. Deed of XXXX recorded XXXX XXXX of XXXX CA. 

After they re-aged the debt, attempted a foreclosure on a property they had no legal right to, pressured us by attempting a Trustee Sale, I had to pay late payments, your attorney fees, and foreclosure costs for a debt Ive already paid which violates California Code, Code of Civil Procedure - CCP 726 ( a ), There can be but one form of action for the recovery of any debt or the enforcement of any right secured by mortgage upon real property or an estate How does this madness end? 

Even if I owed this, this Debt would be time-barred by now. It is well-established that it is a violation of the FDCPA ( Fair Debt Collection Practices Act ) for a debt collector ( including a debt buyer ) to file an action in court to collect on a time-barred debt. It likewise is a clear violation of the FDCPA to threaten to file such an action. Debt collectors, including debt buyers, may violate the law not only if they file an action to collect on time-barred debt, but also if they engage in deception in collecting on time-barred debt. When collectors attempt to recover on debts, in many circumstances, such efforts may convey or imply to consumers that the collectors could sue them if they do not pay. If the debts are time-barred, this message would be false or misleading, because the collectors in fact can not legally file an action against them if they do not pay. Information about the consequences of not paying debts being collected appears to be important to consumers in deciding whether to pay debts and in what order to pay debts. You are violating Federal Law FDCPA : 807 by using false and deceptive representations to force me to action on this debt, especially when I dont owe it.
Product: Credit reporting or other personal consumer reports

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/2024. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

Account - XXXX XXXX XXXX According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Draft Cease & Desist Letter 2 Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you.

Thank you for your cooperation Sincerely Name XXXX XXXX Enclosures : 1. Copy of Consumer Report
Product: Checking or savings account

I received checks, log book, deposit slips and withdraw slips for a checking account I did not open on XX/XX/XXXX in my mail box. I then called the bank located in Texas " TD Bank '' and they told me to file this complaint with you. They also told me to call Social Security, XXXX, XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a line of credit from XXXX XXXX XXXX XXXX Bank at was declined saying my score was XXXX.But through XXXX XXXX it 's showing over XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back at the beginning of XXXX I had called JP Morgan Chase to be removed as an authorized user on their account and Was told that I had been removed by the end of the call. I looked at my credit today XX/XX/XXXX and It shows that I'm still on that account. I had the owner of the account call while I was next two her and they told her that I was not on the account, when we asked the rep to please confirm when I was removed she put us on hold to check the account. When she came back on the phone she stated that she was removed today XX/XX/XXXX when asked how this was possible she stated that the truth was that she just removed me from the account meaning that she lied to us on a recorded line and so did the rep back in XXXX when the cancellation was requested.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX I looked at my current reports All 3 reports do not match. Also there are late payments being delinquently reported in the status of XXXX but XXXX or Equifax. Also account was removed from XXXX but not from other bureaus. The comments also do not match. there are discrepancies all throughout my reports which they do not match. this is supposed to be a trip-merged account that is reported to all 3 major bureaus with matching information but it is currently not. this is in violation of 15 us code 1681e ( b ) I demand immediate removal of delinquencies and/or account.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX on XX/XX/2024 I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/2024 I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/2024 I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/2024 I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/2024 I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/2024 I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from EXETER FINANCE LLCXXXX XXXX XX/XX/2024 Inquiry from XXXX XXXX  on XX/XX/2024 I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX On XX/XX/2024 I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. 
I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX Trans union have been reporting inquiries that are not verified & over the phone agreed to not having the information to verify these inaccuracies. 

I was promised accuracy on my credit report based on federal law & after my disputes, I have made calls as another attempt to have these inaccuracies either removed or fixed. Under 15-USC-1681. All unverified information must be promptly removed. As i was told, in their system they could not validate this information. I request for its removal effective immediately. 


I spoke with this operator details below. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report in XXXX of XXXX, I noticed there was an error in status on one of my accounts. XXXX XXXX XXXX indicated I had an unpaid account. A phone call to them verified that the balance was indeed paid. I asked that they update my account to indicate such. I also asked for written confirmation. I never received the written confirmation. On XX/XX/XXXX I again checked my report and the status went unchanged. On that day I sent a letter to XXXX XXXX XXXX informing them that the status of my account with them was incorrect, asking again for a correction. No change and no response. I sent one more letter to them on XX/XX/XXXX asking for validation. Again, no change and no response. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. At that time I decided to try going through Equifax to get this updated and on XX/XX/XXXX I sent Equifax a letter asking for validation and proof of my 'unpaid ' balance. Equifax sent an automated response indicating the account had been verified?!? This is either a blatant lie by XXXX XXXX XXXX XXXX Equifax, or extremely negligent reporting. Either way, I now want this account completely removed from all 3 of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, XXXX and XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX Original Creditor : XXXX BG XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

Every month I pay myself from XXXX XXXX XXXX XXXX  Account and Deposit in my personal account at Wells Fargo Bank every and every month Wells fargo puts a hold on my checks claiming insufficient funds when they have already were paid they take my money then put a hold on my check it seems like they want to use this money and float it some kind of way it's always held for a week and it's always big Deposits there is some kind of wrong doing Wells fargo Bank are crooks please look into XXXX