23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$2200.00} XXXX. XXXX Account Number : XXXX Bal : {$1200.00} XXXX. XXXXXXXX XXXX Account Number : XXXX Bal : {$3300.00} XXXX. XXXX XXXX Account Number : XXXX Bal : {$3300.00}
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX- First contact with XXXX. They left me a voicemail stating that have a Case number XXXX that they are filing with XXXX County in Texas on behalf of Ace Checking Cash. Their phone number is XXXX I spoke with multiple people and agreed through their automated system to make 3 months payment to pay of {$640.00} balance. I requested confirmation for setting up the payment, paperwork to validate the debt, and a letter identifying who they are. They refused to send anything. 

XX/XX/XXXX- spoke with XXXX XXXX XXXX Requested an itemize of the amount owed/debt validation letter and a confirmation of the payments scheduled to draft my account monthly. She responded and said they won't send anything until it is paid off. She advised they only way to get what I want is to stop the monthly payments and they will take me to court. I asked her are they able to practice law in the state of Texas and she never gave me an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX  Account number : XXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

- Inquiry Date : XXXX XXXX - Company Name : XXXX XXXXXXXX XXXX XXXX Inquiry Date : XXXX XXXX -Company Name : XXXX XXXX XXXX XXXX - Inquiry Date : XXXX XXXX -Company Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX -Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Company Name : XXXX XXXX XXXX  -Inquiry Date : XXXX XXXX -Company Name : XXXX XXXX -Inquiry Date : XXXX XXXX XXXX Name : XXXXXXXX XXXX XXXX -Inquiry Date : XXXX XXXX -Company Name : XXXX XXXX XXXX XXXX XXXXInquiry Date : XXXX XXXX -Company Name XXXX XXXX XXXX XXXXXXXX XXXX  I have contacted all the companies listed in connection with these hard inquiries to inquire about their legitimacy. Despite my efforts, none of these issues have been resolved, and the hard inquiries are still showing on my credit report. 

These inquiries are unfamiliar to me, and I have not authorized them. I have made multiple attempts to resolve this matter directly with the companies involved, but they have not provided a satisfactory resolution or removed the inquiries from my credit report. 

I am requesting your assistance in addressing this issue and ensuring that the unrecognized hard inquiries are investigated and removed if they were made in error or without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I borrowed {$5000.00} from XXXX XXXX XXXX, XXXX XXXX XXXX. This money was borrowed through a " XXXX XXXX XXXX' where I gave the title to my paid-in-full vehicle, a XXXX XXXX XXXX XXXX, to the lender as collateral for the money borrowed. The loan number was XXXX. 

After being 20 days late on my first payment, my vehicle was repossessed by XXXX XXXX XXXX XXXX in XX/XX/XXXX. I could not get my belongings out of my car because of a fee charged by the impound lot and an inability to get to a destination that was more than an hour away from my home because I no longer had a vehicle. My vehicle was sold at a private auction that the lender informed me I was not permitted to attend. 

Nearly one year later, a process server left documents with my former employer indicating that XXXX would be taking me to XXXX XXXX XXXX to recover a deficiency balance, claiming that the amount XXXX sold my car for was less than the balance owed. I attended my XXXX XXXX XXXX trial on XX/XX/XXXX. This trial occurred at the XXXX XXXX XXXX California XXXX XXXX of XXXX, at the XXXX XXXX XXXX XXXX XXXX XXXX. The relevant case number is XXXX. The judgment entered on this case by Commissioner XXXX XXXX was that the defendant ( myself ) did not owe the plaintiff any money on the plaintiff 's claim. 

I received a letter dated XX/XX/XXXX, from XXXX, stating that my account had been satisfied, specifically, " the above-referenced loan has been paid in full. '' The Titles Department signed this letter. 

Despite all the evidence to the contrary, XXXX persists in reporting my account as derogatory to the credit reporting bureaus, which has caused me much financial trouble in the form of inflated interest rates, an inability to secure an auto loan from numerous financial institutions. The impact translates into thousands of dollars I have wasted paying increased finance charges because of derogatory reports furnished by XXXX that they refuse to revise, despite evidence to the contrary. 

I have filed disputes with XXXX and Equifax regarding this matter. XXXX  amended but did not correct the entry on my credit report. As of XX/XX/XXXX, Equifax continued to report my account as a " charge-off. '' I tried to file another dispute with XXXX  today. I was informed that XXXX  does not need to review my dispute further because they have already done so. XXXX persists in reporting the status of my account as : " paid in settlement. {$4500.00} written off ''. 

Even if there was legitimacy to the claim of XXXX, {$4500.00} was never written off. I had borrowed {$5000.00} from XXXX. Despite the failure to sell my car in a commercially reasonable manner, my understanding was that the vehicle was sold for more than {$490.00}. 

Please assist me with this situation. It has been plaguing me for far too long, and any help is appreciated. 

Thank you.
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, there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, XXXX and TransUnion on XX/XX/2021 and XX/XX/2021 but nothing has been done.
Product: Debt collection

This Company, FBCS repeatedly calls Me. I do not owe any Debt and have told them. They continue to repeatedly call. Have received no written information about any alledged debt by them.
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 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three 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
Product: Debt collection

National credit systems inXXXX Is charging me a balance of XXXX for a identity theft it has effected my credit and drop my credit down I don't have knowledge of this debt that was made is telling me that I lived in another state city when I been employed in XXXX XXXX California my whole life I can proof I been employed here my who life and live here my whole life
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding an incorrect address listed on my credit report. The address in question is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have never resided at this address, and I believe it has been mistakenly reported as part of my credit history. For the past XXXX years, I have lived at the following address : XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX I have attempted to resolve this issue directly with the credit reporting agency, but the incorrect address remains on my credit report. I kindly request that someone please assist in ensuring that this inaccurate information is investigated and removed from my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and equifax are illegally and unethically collecting my personal data including my name my addresses my telephone numbers my locations my credit reports DRIVERS LICENSE INFORMATION and selling that information to whomever wants it. MY CREDIT REPORT IS FROZEN AND MY INFORMATION SHOULD NOT BE USED OR SOLD TO ANY PERSON PLACE OR BUSINESS AT ANY TIME. DO NOT SELL TRANSFER OR MARKET ANY INFORMATION ABOUT ME TO ANY DATA BROKER OR ANY PERSON PLACE ENTITY COMPANY AGENCY OR ANYONE PERIOD!! DO NOT SELL TRANSFER OR ALLOW TO ACCESS MY NAME AND MY ADDRESS AND MY TELEPHONE NUMBER!! YOU ARE ENDANGERING ME AND MY FAMILY AND MY PRIVACY BY DOING SO. THE ONLY WANT THAT DATA BROKERS HAVE THIS INFORMATION ON ME IS IF THE THREE CREDIT BUREAUS SOLD IT AND ALLOWED DATA BROKERS AND COMPANIES AND INDIVIDUALS TO ACCESS MY PRIOR ADDRESSES AND PHONE NUMBERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX Balance Owed : {$610.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

Logged in multiple times to lift freeze for a specific date says cant do it online and to call, says to call, called multiple times. No one answers the phone. I cant get any help. Only open mon thru frid. I am a XXXX and dont have business hours. I have my pin and everything. No reason I cant unlock my report! We dont need any of these agencies if they cant work with their customers, every thing should be opened 24/7 especially during covid when all you are at home.
Product: Mortgage

I acquired the home that i had lived in for 15  years via a divorce. Ex husband gave me the house and a gift of equity and deed was transferred. I had contacted SPS in late XX/XX/2018 after my divorce in XX/XX/2018 to begin to assume the mortgage. The plan according to them was to Assumption of mortgage 1st then a Modification. SINCE submitted all required documents early XX/XX/XXXX i have been in constant communications with them every week since early XX/XX/XXXX. I have submitted and re-submitted documents. They alleged they did not receive certain documents or they will ask me to submit documents because they need certain numbers CIRCLED on my bank statements. I just resubmitted for the 2nd time my childrens income that i get due to my XXXX, even thought all of this was submitted in the initial application. I was originally told mid XX/XX/XXXX that it will be 30 days. It is now XX/XX/XXXX-nearly 2  months later and i am still getting the run around submitting documents all over. I am on social security XXXX and get child support and alimony. all that was documented. this run around has caused me alot of stress-not knowing whether i will wake up with a foreclosure sign on my front lawn. 

In addition, ex husband gets periodically phone calls from SPS ( the Florida location ) not Utah ) stating NONE of the documents and the application has been submitted. THis is a typical case of the right hand does not know what the left hand is doing. Just too many people handling my case and no resolution. I have also sent emails to Ombudsman  over at SPS and that has never been answered. I also sent emails to the agent that is suppose to be handling the case 2 times and he has not answer neither of my emails. 

Select Portfolio Services is essentially bleeding the equity of my home. i only owe XXXX. but since my ex husband left we are behind. I have since acquiring the home been sending XXXX dollars to cover some mortgage in hopes that i don't fall too far behind. But as far as i can see the money that i am sending is not getting applied and i am now behind XXXX. Of which XXXX or so is late fees and application fees. 

I would really appreciate some help in this matter / suggestions. The loan is still currently under my ex husbands name due to lack of follow through from SPS. 

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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to Barclay Bank Delaware asking them to provide my documents bearing my signature of opening an account with them which they have not provided or responded.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, you have violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written consent.
Product: Checking or savings account

I don't remember the date, but I closed an account and Wells Fargo did not close it. As a result my daughter was able to get over XXXX of my money.
Product: Debt collection

Experian XXXX XXXX still dont remove this account from my credit report. 
I moved out of the XXXX XXXX XXXX apartment when my lease ended I didnt renew the lease When I first moved in this apartment I had to pay one month rent and one month security and when I moved out I didnt get this money back and now they are trying to charge me late charges for every day and the month of XXXX that I never was in the apartment. 
They are trying to say that I broke the lease but I moved out when I finished my lease and the money from my deposit shouldve had covered. 
It was removed from XXXX and XXXX credit reports but Experian is still have it this is the only one out of the three credit reports company that is messing up my credit this company was still having an account since 2018 that was included in a bankruptcy and when I tried to call them you cant get nowhere they are only trying to sell products like car insurance and other offers. 
I dont think its the management from the apartment the problem with my credit report I believe is expedan because the other XXXX companies removed my report after a dispute but I disputed twice with Experan and they still dont remove it. 
This company is messing with my credit Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

We came to a agreement settlement in letter form kohls have to sign the agreement letter then I make the payment Im still not liable for the debt but Ill settle & pay XXXX $ just to get it off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX ) XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate DEPTEDXXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Product: Debt collection

Caine and Weiner claim I owe XXXX for a Progressive policy that was paid via money order, the amount is also incorrect. I do not have a copy of money order to provide as it was paid well over a month ago. I believe the amount paid was in the XXXX range, not sure. I do not know how they come to an amount of XXXX.
Product: Student loan

I have now applied for a lower payment 5 times. My last time I applied for a recalculation, they actually increased the payment by another {$50.00}. So now it is {$180.00}. Why in the world we they increase the payment when I stated I can't afford a {$130.00} per month? 

Well, I called last week and got a honest rep on the phone who told me the truth ; evidently Navient falsified my grow income and " certified my income at $ XXXX/year. I didn't make {$32000.00} a last year. I haven't made that kind of money in over 5 year plus year. 

At best my AGI will be somewhere around $ XXXX after all the medical expenses and other deductions. That same honest rep did acknowledge the gross error and advised me to again resubmit my information after I did my taxes. That's another 3 months out! Whoever that did the review completely ignored all my actual information that this honest rep acknowledged was indeed received and should have been reviewed. 

I supplied Navient with my last bi-weekly paychecks from both employers and even a spreadsheet of all my medical expenses ; they still made a total mess of the recalculation. The rep wanted to put me into another forbearance and claimed that I he couldn't do a deferment over the phone for my Federal Loans that Navient took over. I refused the forbearance. So now the clock is ticking on defaulting because of the dangerous game Navient is playing with my finances. My actual gross is {$27000.00} before deducting the {$2300.00} in medical expenses. Please intervene.
Product: Credit reporting, credit repair services, or other personal consumer reports

This unconfirmed accounts listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00}