23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute present/previous account status/ payment history profile/ payment rating. The Account information stated above has been ILLEGALY FURNISHED onto my consumer report ; Removal of this furnished information from my consumer report must happen IMMEDIATELY. Person American Express has violated numerous FEDERAL U.S. CODES stated below. 
XX/XX/2024, American Express Company illegally furnished information onto my consumer report without my written consent. 

XXXX XXXX, A dispute letter was sent and addressed to American Express Company the claims went with Identity theft notifying them that the debt was not my debt ( {$8000.00} ). 

XXXX XXXX American Express Company sent a Letter that I could only take as misleading and false information. American Express Company said that they could not verify me within their system with the 2 forms of ID that was sent to them. ( this means that i am not in their system ) American Express Company then goes to say they would like to handle the matter for me btu they need a Generated ID number that would come if you had an account of credit with them. I DO NOT. the 2 forms of ID I sent were Driver License also Social Security Number. If I couldn't be verified in their system with those two forms of ID, then i am not a consumer of credit from American Express
Product: Student loan

I had two student loans with XXXX and they were bought out by Firstmark. One of them is co-signed by my moms ex-husband and he is going through bankruptcy. I am trying to refinance so I can get rid of co-signers ( because of the bankruptcy ). However, despite me making payments on time for several months now, as a result of my co-signers bankruptcy, Firstmark wont give me my statement balance ( which I need in order to refinance ). I called to explain the situation and also to ask why they have not applied the last two checks I sent ( for {$200.00} each ) to my loan. Instead of trying to find a solution to get me my statement balance or even see why the checks have not been applied, the supervisor I spoke to immediately started pointing blame elsewhere and tried to explain to me how the U.S. Postal System works. I explained to her that 1. Im an adult who knows how the Postal System works and 2. I have already sent them checks, so I know about how long it takes to receive and apply them and it has never taken 2+ weeks ( its been over 2 weeks since I sent the checks ). She then proceeded to ask if I sent them to the correct address. So, again, I informed her that I have already sent checks to Firstmark which have been applied to my loan, so yes, I sent them to the correct address. She then tried to explain the Postal Service to me again never once tried to solve the actual problems at hand, just made up excuses and blamed the postal service. So I cant make payments, cant refinance, but THEY ARE STILL CHARGING ME INTEREST. Doesnt seem fair to me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered that there was an instance of a late payment on an account that I have always been punctual with. It is crucial for Consumer Reporting Agencies to fulfill their responsibility of accurately reporting consumer information. I have never missed a payment for the account in question : XXXX XXXX XXXX XXXX : XXXX. I kindly request an investigation into this matter and ask for evidence in the form of statements that demonstrate these payments were indeed late. If no proof can be provided, I insist that these payments be corrected to reflect their actual on-time status, as I have never been late. Thank you.
Product: Credit reporting

I request credit reported on line on XXXX XXXX 2016, and ca n't print because computer it failed, please sent by e-mail to : XXXX XXXXXXXXXXXX. I need at soon posible to my lawyer. If ca n't please send by mailing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX ( co-signer ) are on the lease ; account number XXXX, monthly payment {$490.00} XXXX XXXX XXXX Lease, end date XXXX XXXX. 
At the time there were two accounts with XXXX XXXX. Payments were being made on time on both accounts. Prior to the lease coming to an end there was a dispute as payments that were being made were being applied to the wrong account creating the lease to report delinquent when it was not. Several calls were made in XXXX to XXXX XXXX to investigate and make whatever corrections needed to be made as the lease was being turned in and a new vehicle was being leased with no issues. Each time a follow up call was made the process needed to be started over again to no resolve. Now we are in COVID19 and trying to take out a loan, this XXXX XXXX is still reporting OPEN ( when it is closed ) and it is paid in full! This mark is preventing the co-signer XXXX XXXX who is a veteran of the XXXX XXXX and retired XXXX XXXX XXXX from getting a loan to put siding on his home because he is not able to paint his house anymore. XXXX XXXX is damaging his credit score yo a place that he is struggling, a XXXX XXXX  and retired XXXX! 
At present XXXX XXXX is misappropriating funds and not reporting exact payment amounts in the online account portal of three vehicles : Account, Numbers are- Account # XXXX, Account # XXXX and Account # XXXX. 

Three payments in the month of XX/XX/XXXX alone have not been reported appropriately. 

XXXX XXXX has done considerable damage to the credit reports of XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit reporting 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 correct XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$290.00}.
Product: Credit card or prepaid card

I AM SO ANGRY WITH THE CAPITAL ONE COMPANY FOR THEIR CUSTOMER SERVICE, AND THE TREATMENT THEY HAVE GIVEN ME AS AN IDENTITY THEFT VICTIM. THEY REFUSE TO ACCEPT MY FTC REPORT AND POLICE REPORT. I HAVE CONTACTED THEM NUMEROUS TIMES, WASTING SO MUCH OF MY WORK TIME, GIVING ME STRESS AND ANXIETY WITH THEIR EMPLOYEES, WHO PROMISE ONE THING AND DO ANOTHER. I HAVE EXPLAINED MANY TIMES, I AM NOT RESPONSIBLE FOR THIS ACCOUNT, THEY HAVE NO VALID EVIDENCE THAT THIS IS MY CREDIT CARD AND I AM THE ONE WHO USED IT. THERE IS ALSO A XXXX CHARGE THAT WAS APPLIED AND I DO NOT HAVE ANY XXXX TO MAKE ANY KIND OF PURCHASE. THEY REFUSE TO REMOVE THIS ACCOUNT FROM COLLECTIONS AND THE LAWYERS OFFICE. THIS IS MY LAST CHANCE IM GIVING TO THEM TO REMOVE THIS ACCOUNT IMMEDIATELY. I AM NOT WAITING ANY LONGER FOR THIS, AND I AM GOING TO FILE A LAWSUIT AGAINST THEM IF THEY DO NOT RESOLVE THIS CASE, FOR GIVING ME SO MUCH STRESS AND ANXIETY OVER THIS. THEY REFUSE TO GIVE ME ANY SUPPORTING EVIDENCE ON WHY THEY ARE MAKING THE CLAIM THAT THIS IS MY ACCOUNT. THIS IS BY FAR THE WORST COMPANY I HAVE EVER SEEN, THE WORST CUSTOMER SERVICE I HAVE EVER HAD EXPERIENCE WITH. I DO NOT DESERVE TO BE TREATED THIS WAY AS A VICTIM OF IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within 15 days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit bureaus.
Product: Credit reporting or other personal consumer reports

I would like to dispute the inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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 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 procer 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 XXXX financial loss, and I seek appropriate redress For these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I mailed requests to all three Credit Reporting Agencies demanding documentation verifying the accuracy of multiple items reported on my credit files with each agency, pursuant to Section 609 [ 15 U.S.C 1681g ], or the Fair Credit Reporting Act.The allotted time frame has elapsed for the companies to respond to my demand, either handling it as a standard dispute, or failing to respond at all, depending on which agency. These are nothing but stall tactics which I specifically warned each agency would not be tolerated. I have attached documentation showing my initial demand for verification. Any failure by each agency beyond this point will result in me forwarding all related documents to my State Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, my home mortgage company was XXXX and I was in a temporary forbearance during XXXX XXXX crisis. In XX/XX/XXXX my forbearance came to a end and I received a letter that Gregory Funding LLC took over my loan from XXXX. During this time I reestablish a home modification with Gregory Funding LLC with the understanding I would need to start paying out of pocket home owners Insurance that it would not be included in my mortgage payment XX/XX/XXXX. Furthermore from the start of my loan in XXXX till today, XX/XX/XXXX, over 1 year of on time early payments, plus even setting up auto pay monthly, Gregory Funding LLC has not XXXX TIME reported my credit to any of the XXXX credit bureaus. My credit score plays a important role in my life as I am reaching age XXXX in XXXX. I need this to help me while on Social Security, car repairs, medical test my medical insurance doesn't cover, living expenses and so on ect. I think you get the picture. Credit is a valuable tool in ALL peoples life. I would greatly appreciate it if Gregory Funding would take the time to help a loyal on time customer.
Product: Mortgage

This is the second time truist has gave an address for us to send a check via mail and however this check keeps getting lost per previous complaint we sent in a check to address. Truist has provided us and they could never locate the check We then later put a stop on that check and sent another to a XXXX XXXX XXXX Truist corresponded via mail that we send it directly to. There is now a check of $ XXXX that Truist has once again lost. I have proof that this check was overnighted to the address that was provided to me every time I call to verify if the check has been delivered, they mainly telling me no we haven't. We still have a outstanding balance and is not trying to help locate the check. I have documentation proving that the check was delivered and signed off at the address. Truist provided us with the address ( truist bank XXXX XXXX XXXX XXXX Md XXXX ) and once again can not find the check. We could of been had our mortgage caught up every since XXXX of this year but they are placing more stress on us and added more fees for something that is not our fault.
Product: Debt collection

Debt was sent to collections, rather than bill the insurance. Grievance was filed with insurance, and updated amount was paid. Debt collector has old outdated info, from before the insurance was contacted. Still trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been over XXXX  days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

medical debt under XXXX was supposed to not be reported by the XXXX cr burs as of 2023
Product: Vehicle loan or lease

On XX/XX/year> at XXXX XXXX, text message received from the number XXXX stating the XXXX account is at risk for charge off. It states to make a payment of {$89.00} or more to avoid charging off. There was no communication regarding a repossession. When logging into the account at XXXX XXXX  on XX/XX/year>, the XXXX was completely removed from the bridge crest app, leaving us no way to make that payment like we do the previous ones. The car was taken from the parking lot at midnight on XX/XX/year>. A payment of {$150.00} was made on XX/XX/year> with a confirmation number of XXXX. I believe there was no attempt made to resolve this issue, when calling to find out information regarding the vehicle we were then transferred to the reinstatements department. I was told the amount is owed in full, with no option to make a past due payment to receive the car back. The amount that is being asked to pay by the XXXX of XXXX is XXXX. The amount reported on my credit is {$6300.00}. They have left my family without a vehicle to get the kids to and from school. They are rude and transfer you without any concrete answers. The amount reported each month to the credit bureaus are inaccurate, they report late and the report the charge off within one week but cant report an on time payment within 30 days. They have reported this to the bureaus leaving a credit hit on the account. They are notorious for doing this to others and I need your help to remove this from the credit agencies as well as holding them accountable for being able to do a charge off the way they did. The vehicle was purchased through XXXX and bridgecrest is who the loan is with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and I have multiple student loans ( for him ) through XXXX. He has continuously be enrolled in school and will graduate this XXXX. They are putting on my credit report ( and reuining my credit score/ability to transfer balances ) that he/I are deliquent greater than 120 days because " the school did not send them enrollment information ''. Both my son and I have contacted XXXX, XXXX, and the XXXX ( school ) several times/several semesters. Also, for some reason, for 2 semesters-post XXXX, his FASFA did not go through-so XXXX took it upon themselves to add it on to their loans. That is XXXX that should have been grants and XXXX that should have been federal loans per semester for 2 years!!!! They deny this. In the spring of 2020, my son received an email from XXXX that he got FULL CREDIT for all classess, dorm fees, food, etc, all charges, yet, XXXX still has loans for that semester? He did not receive that money, the money was returned from the school, to the lender because the school was shutdown from XXXX. XXXX denies this also. XXXX also keeps adding interest on top on late fees and more interest to the original balances, that are incorrect to begin with, let alone to try to add late fees and interest on to someone's loans who is and has continuously been enrolled in school!!!!!!!!!!!! He has proof through his TRANSCRIPTS! AND WHO WOULD THEY BE PAYING! I have filed disputes with all three credit agencies, but this does not fix the real issue here!
Product: Debt collection

There is a HIPPA violation as no one has consent to share medical information on my consumer report or any non pubic information / accounts. Per U S Code 6801 Protection of non personal information and U S Code 1681b Permissible Purpose.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$1200.00}.
Product: Mortgage

Violations of The Fair Debt Collection Practice Act and The Truth in Lending Act 1968 the Equal Credit Opportunity Act. There is abundant evidence of the use of abusive, deceptive and unfair practices. 15 US Code Section 1692 D harassment or abuse. ( 4 ) the advertisement for sale of any debt to coerce payment of the debt, And false and Misleading misrepresentation
Product: Debt collection

1st ) XX/XX/XXXX I received my first letter from a company called Cashnetusa.com regarding a cash advance that I never took out, for {$300.00}, due XX/XX/XXXX TEL : XXXX I immediately called the company and told them that I never applied for a cash advance from the company & I have never heard of the company until I received the letter from them. They told me to file a police report to prove that it was identity theft and fax them the police report, which I did. 

2nd ) XXXX XXXX, XXXX I received my second letter from Cashnetusa.com for {$310.00} due XX/XX/XXXX. 
TEL : XXXX I obtained a police report as requested on XX/XX/XXXX Faxed police report to Cashnetusa.com on  XX/XX/XXXX 3rd ) XX/XX/XXXX I received my third letter from Cashnetusa.com for {$310.00} due XX/XX/XXXX TEL :  XXXX 4th ) XX/XX/XXXX I received my fourth letter from Cashnetusa.com for {$310.00} due XX/XX/XXXX TEL : XXXX 5th ) XX/XX/XXXX I received my fifth letter from Cashnetusa.com for a settlement offer for {$230.00} due XX/XX/XXXX TEL : XXXX 6th ) XX/XX/XXXX I received my sixth letter from Cashnetusa.com for a settlement offer for {$150.00} due XX/XX/XXXX TEL : XXXX 7th ) XX/XX/XXXX I received a letter from a creditor company called XXXX XXXX for {$620.00} ( No due date ) TEL : XXXX 8th ) XX/XX/XXXX I received my first letter from a company called XXXX XXXX XXXX XXXX XXXX for {$230.00} due XX/XX/XXXX TEL : XXXX Ex:XXXX 9th ) XX/XX/XXXX I received my 2nd letter from XXXX XXXX XXXX for {$300.00} due XX/XX/XXXX TEL : XXXX Ex:XXXX XX/XX/XXXX XXXX XXXX XXXX , an identity fraud support caseworker from a credit monitoring company called XXXX XXXX contacted Cashnetusa.com with me and we spoke to XXXX XXXX XXXX who asked me some questions regarding the cash advance. She asked me if my birthday was on XX/XX/XXXX, I told her no. 
After I clarified my correct date of birth with XXXX she told both XXXX XXXX and I that she would close the case against me, due to the fact that the person who took out the cash advance had a different birthday from me. 

10th ) XX/XX/XXXX I received my 3rd letter from XXXX XXXX XXXX for {$98.00} due XX/XX/XXXX TEL : XXXX Ex:XXXX 11th ) XX/XX/XXXX I received a letter from XXXX XXXX , Wage Garnishment Division, Restitution Amount : {$690.00} & Garnishment Amount : {$2000.00} due 10 days of the date of the letter TEL:XXXX
Product: Credit reporting or other personal consumer reports

XXXX credit card had refunded {$940.00} on XX/XX/XXXX Which was correct, then when I got statement XX/XX/XXXX they had the {$940.00} back on my account. Ive called multiple times and got the run around saying they would fix it and as of XX/XX/XXXX it still isnt fixed and they have added {$960.00} and {$860.00} for me to pay in full. I talked to a XXXX on XX/XX/XXXX told her the situation and she asked if I wanted off the flex plan and I said I want the {$940.00} off the flex plan because it had been refunded the month before, she was rude and the next thing I know is when the two other charges were added. I spoke to XXXX on XX/XX/XXXX said it would be handled in the next 3-5 days. Ive not heard a word. All I wanted was the {$940.00} off and its turned into a nightmare with Citi credit card. Not only does these charges add interest but its adding fees for the flex plan as well. All I wanted is them to make the refund stick and take the {$940.00} off..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Please remove it from my credit report. 
. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, California XXXX XXXX XXXX XX/XX/XXXX To : XXXX, TRANSUNION, XXXX Subject : Final Request for Verification and Documentation of Account name : XXXX XXXX XXXX, Account # : XXXX This Dispute serves as my final attempt to resolve this matter, of the original high credit balance amount owed {$20000.00}, before pursuing legal action. I am writing to formally request the following DOCUMENTS related to my account : XXXX Verification and proof of the bill of sale for the auction price of the vehicle that was repossessed. 

XXXX A detailed statement showing proof of total actual amount of payments made by me from the opening date of the account in XX/XX/XXXX through the present date, XX/XX/XXXX. 

XXXX Proof of the GAP insurance payment amount you received. 


*Please send all requested documentation by mail to the address provided above within 30 days of receipt of this letter. If you fail to provide proof of the requested documentations to me within this timeframe, I will have no choice but to seek legal action and demand that this account be deleted and removed from my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX