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

I have been trying to raise my credit score in order to purchase a car and a home and I have been charged {$39.00} twice in the last 5 days for credit reports by XXXX as well as other ridiculous charges. After paying off one debt ( I only have 2 ) my credit score has been consistently getting lower rather than higher. I have 17 hard inquiries and I only recognize maybe two and I can't get a hold of anyone to fix it. XXXX charged me for a free credit report not once but twice and the things I have paid off are not showing as positive on my report nor are they adding the extra points. I've also been disputing a collection from 2005 from a utility company and they will not take it off of my report despite disputing it twice yet I can't settle or pay it off because when I call the collection people it is too old to show in their system. Nothing changes after disputes and nothing positive is listed in my credit report only negatives. I never can reach a human. Only recordings. I'm charged for reports that under federal law should be free. And then they tell me it's for other services and fees that I never signed up for and do not want but I'm stuck with because I need these credit reports so I can try to fix them and have a home. I'm a XXXX veteran living with family only because of my credit score and I have no current debt whatsoever. None. The reporting agencies are so vague and have so many ads and other companies offering credit repair XXXX. I just don't get it but I want to understand so I can fix my credit score and have a home and reliable car. Thank you for any help you can give me.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX  and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

My credit report contains errors in violation of 15 USC 16c-2. The listed hard inquiries were not authorized by me, and they are affecting my credit score. I request their removal.
Product: Debt collection

Barrett Daffin Frappier Turner & Engel , LLP is a debt collection agency and violated State Laws, Georgia Laws, Federal Laws, Statutory Laws, and Law that were enacted by congress in Georgia and admitted Respondents are exempt from prosecution, " Immunity The CFPA can enforce its authority over the debt-collection attorneys engaged in unlawful activity that is fully consistent with this purpose.

Respondents violated Regulation F, Violation of U.S. Code 1692c Communication in connection with debt collection that violated the Consumer Financial Protection Bureau, the Federal Trade Commission [ Federal Fair Debt Collection Practices Act ( FDCPA ) ], Georgia Fair Business Practices Act ( FBPA ) and Georgia Collection Laws. 
XXXX XXXX, Defendants communication violated the Federal Debt Collection Practices Act, 15 U.S.C. 1692e. Respondents admitted to violating State Laws, Georgia Laws, Federal Laws, Statutory Laws, and Law that were enacted by congress in Georgia and admitted Respondents are exempt from prosecution, " Immunity ''. Congress did not say lawyer who represent consumers are exempt from prosecution, " Immunity '' Respondent knowing and intentionally published untrue and derogatory information concerning Complainant financial condition, to wit, that Complainant willfully failed or refused to pay his mortgage as agreed with Respondent Client " XXXX ''. Complainant suffered humiliation, and embarrassment when Respondent published false statements about Complainant refused to pay and was in default on his loan, on and about XX/XX/2017, Respondent attempted to collect {$180.00}, XXXX. XXXX that is factual incorrect. 
There is a connection between XXXX XXXX XXXX XXXX XXXX XXXX, Managing Partner, Attorney XXXX XXXX XXXX, Barrett Daffin Frappier Turner & Engel , LLP and XXXX.
Product: Credit reporting or other personal consumer reports

accounts were not completely removed from chex systems and XXXX XXXX
Product: Payday loan

On XX/XX/2016, I was approved for a {$600.00} payday loan from bigpictureloans.com after receiving a solicitation email from the company. I fully intended to pay back the loan amount, as well as the finance fee of {$210.00}, well before the first payment due date. 

As that date approached, however, I realized that i would not be able to pay off the amount in it 's entirety before the first due date. In an attempt to arrange a later payment in the full amount, I contacted the loan company and was told initially that I could pay 2 weeks later and still only owe a total of {$810.00}. 

Despite this, I was also told that I could not set up a manual payment for that amount, but would be charged the finance fee of {$210.00} on the first payment due date, and that this amount would not be reflected in principal. 

Later in the same phone call I was told that since I had not made a first payment, no late arrangement could be made. I was only given the option to pay early, which of course, I could not do. 

Since then every pay period, the loan company has attempted to write checks against my account, which has put me in dire financial straits. 

To date, I 've paid a total of {$420.00} in finance fees alone as I became aware later that I was being charged a 700 % interest rate on my loan agreement, the details of i can not access on the company website any longer.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX XXXX XXXX, XXXX, Transunion and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Details of the Issue : XXXX XXXX XXXX is reporting two fraudulent collection accounts on my credit file : 1. Account Number XXXX : {$870.00} 2. Account Number XXXX : {$920.00} I have never had any contractual or financial dealings with XXXX XXXX XXXX and have not authorized any accounts with them. These accounts are the result of identity theft, and I have previously disputed them as fraudulent with both XXXX XXXX XXXX and XXXX and the other two credit reporting agencies.. Despite my disputes : XXXX and XXXX claims the accounts were verified but has not provided the method of verification, as required under Section 611 ( a ) ( 7 ) of the FCRA. In which Inhave also requested. XXXX XXXX XXXX has not provided proper validation of the debts as required by the FDCPA. I which I have also requested. Specific Violations : XXXX. XXXX, Transunion and XXXX Failed to disclose the method of verification for the disputed accounts. Continued to report unverifiable accounts, violating Section 623 ( a ) ( 3 ) of the FCRA. XXXX. XXXX XXXX XXXX : Failed to provide validation of the debt, including proof of the original agreement with my signature. Continues to report these debts without verification, violating the FDCPA and FCRA. If no verification is provided, the accounts must be permanently deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ad adsta ... XXXX XXXX XXXX it was paid in full though my bank account still is not off my credit report
Product: Debt collection

XXXX XXXX XXXX has contacted me about having to collect a debt with the amount of {$1100.00} ( I think thats how much ) from PayPal. They said that I stopped using the PayPal account since XXXX - XXXX of 2020 and the purchaser never collected the debt. HOWEVER, I never arranged or bought anything on PayPal nor do I know how to do that. I havent accessed my account since I discovered not to long ago that it was an act of FRAUD. Whoever has purchase the funds to the debt has either hacked my account or has been impersonating me into the negotiations of the debt that I am getting ACCUSED FOR. Either or I have never authorized a purchase with any consumers of the PayPal industry. Please contact me furthermore about the standing investigation of this incident.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block, inc. ) a due inadequate customer service and unfair practices, which violates the consumer financial protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.
Product: Checking or savings account

I have included the letters from XXXX XXXX closing my two accounts without reason and charging me {$49.00} each for a total of {$99.00} involuntarily.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report 4 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. COLLECTIONS opened at XXXX XXXX XXXX {$2500.00} on XX/XX/XXXX COLLECTIONS opened at XXXX XXXX {$1600.00} on XX/XX/XXXX COLLECTIONS opened at XXXX XXXX {$500.00} on XX/XX/XXXX COLLECTIONS opened at XXXX XXXX XXXX {$380.00} on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Checking or savings account

We have this Citi checking account ending in XXXX, that is linked to a brokerage account. The average monthly balance required to avoid the monthly fee in {$1500.00} in all combined accounts, and our combined balance in both accounts is well above this number. However, Citibank keeps charging a XXXX XXXX monthly fee each month. We called last month, and a rep acknowledged that everything was correctly set up and linked and the fee should not apply, and he removed the fee. However, Citibank charged the fee again this month. Upon speaking with a rep, she is saying that she is unable to access our account and then hung up the phone on us, when we asked her to close the account.
Product: Credit reporting or other personal consumer reports

As I've disputed this account blatant inaccuracy before of a late payment. I've taken this a step further and called the furnisher of the misrepresentation and attack on my character, payment history, and exceptional standing in the eyes financial institutions. The credit reporting agencies placed this erroneous late payment on my consumer report and YOU HAVE FALSELY DAMAGED MY CHARACTER AND REPRESENTATION WITH THIS UNJUST, UNVERIFIABLE REPORTING TO MY CONSUMER REPORTS! I WILL SEEK ALL REMEDIES AFFORDED TO ME FROM ALL PARTIES INVOLVED IF THIS MATTER IS NOT BLOCKED AND REMOVED FROM MY CONSUMER REPORT IN 15 DAYS OR LESS! PLEASE ACCEPT THIS AS MY OFFICIAL NOTICE TO CURE AND LOITS! 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge!!!!!!!!!!!!! The law is very very clear
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

I entered a consumer credit transaction with the following companies : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA. 

I pulled my credit report and disputed items on my report to XXXX, XXXX AND TRANSUNION. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days. 

Thank you
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these account. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXXXXXX Balance : {$3000.00}
Product: Debt collection

The problem I'm having is this keeps showing up on my report. I don't remember the agency I payed off, it's been a long time. This contract seems to have been passed around like a football and I'm being harassed behind it. Midland credit management has put 3 negative remarks on my credit report 3 times last year that I know of right now. If I go back to earlier this year I'm sure I can pull some more remarks. These remarks are all in the same amounts of monies due. From what I under, a company can only do this once.why are they doing this. It's almost like their desperately looking to sabotage my credit by putting multiple negative reports on my credit report, for the one contract they claim to legitimately have.
Product: Vehicle loan or lease

I had a financial loan for my XXXX, I ended up getting into a XXXX XXXX XXXX and had to file a police report. I was not at fault for the XXXX  and I was also not injured but my car was XXXX  and towed from the scene. 
I did not have enough money to retrieve the vehicle so I lost all the items inside my car and also the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit card or prepaid card

I 'm having lots of problems with discovercard. I file complaints with the cfpb.gov, they respond saying it 's all been found in my favor and I should receive my money back for those unauthorized transactions but in fact my balance and the dispute outcomes remain unchanged. These charges I have no knowledge of are now 6 months old without my being reimbursed. They periodically reverse their dispute decisions not in my favor and that is inexplicable. I do n't want my discovercard online account to say anywhere on it that a dispute was n't found in my favor. I 'm at least {$2400.00} light at the moment I would like to be spending that.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payment on XXXX  XXXX XXXX that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/23 I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information 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
Product: Debt collection

I had a credit card a few years ago that was sent to a collections. I called to set up a payment plan to start paying it off and was told the balance was XXXX in XXXX I started making payments of XXXX and at this point have paid XXXX. I called to find out the remaining balance is thinking its XXXX or so and they are now telling me i owe an additional XXXX . I asked them to provide documentation and was hung up on. So I called back again and they said they could not provide the balance and they charge everyone XXXX payments of a XXXX until the balance is paid off but could not tell me what the balance was when it was sent to collections or what was added onto the payment. I asked to speak with a manager and was once again hung up on. I have pulled a my credit report and its reflecting the charge off was XXXX. I received a email from XXXX XXXX XXXX stating i needed to make XXXX payments of a XXXX even though i only owe XXXX even with interest it does n't make sense why they are charging me a extra XXXX nor will they provide any documentation as to what i am being charged for. I am trying to pay off this debt and they will not provided me with an accurate pay off nor are they being honest of what the extra XXXX is going towards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit Open XX/XX/XXXX Amount XXXX Account was deleted from credit report XX/XX/XXXX and then added back onto credit report a year later after it was deleted