23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received calls from XXXX XXXX XXXX for about the last 6 months, and each time I tell them that the debt has been charged off and I am on XXXX and can not pay anything now more than {$5.00} a month if the debt is real. That amount is just not good enough. They are consistently rude, talk over you, and threaten with comments like " I can make your life miserable '', " I guess you weren't very good at your job or you would not have this debt '', calling me " lady ''. They are unreasonable, unprofessional, and just plain Bully 's! I don't know if they are a legitimate company or scam artists. Either way the brow beating tactics they use are completely out of line. Please check into this company, I surely hope if they are scammers that no one has given them any money. Thank you for your time.
Product: Debt collection

I have been contacted repeatedly by a debt collector under the name of Eastern Account System Of Connecticut attempting to collect a {$79.00} balance on behalf of XXXX. 

Since the latter provides my cable internet service and I have been current on my payments, I checked with them regarding this attempt and they promised to escalate the matter and ensure that no adverse information regarding a collection was placed on my credit history. 

That was several days ago and nothing has changed. 

I have attached a copy of the notice from Eastern Account Systems dated XXXX XXXX. 

I have also attached the latest service bill from XXXX showing my account to be current at the same time period and the only amounts owed being the current monthly balance that was due on XXXX XXXX.
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 correct : XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX  XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$610.00}, XXXX XXXX  XXXX XXXX Balance XXXX {$530.00}, XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$530.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a credito
r to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  account on my credit report that should not be on there never opened a car loan.        XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,  2017  {$40000.00} Good  XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,    2017  {$40000.00} Good This account is paid in full.      XXXX  Last reported :  XXXX   XXXX ,    2017  {$7500.00} This account i s 7 years old an d should have been deleted.      XXXX   XXXX    XXXX   XXXX   Last reported :  XXXX   XXXX ,    2017  {$3000.00} In Collections/Charge-off
Product: Money transfer, virtual currency, or money service

I sent XXXX XXXX ( {$1100.00} XXXX to this website : XXXX XXXX XXXX  I first heard of the website on a XXXX post on XXXX XXXX XXXX XXXX feed. Turns out it is a scam and now I lost this money and have no way of getting it back. The website says that it is hosted by XXXX, which is probably fake. 

The digital wallet that I sent my coins to had this address that is also on this website : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( XXXX ) and the person ( XXXXXXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXXXXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( Experian, XXXX, XXXX ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXXXXXX XXXX XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXXXXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX XXXXXXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. Experian, XXXX, and XXXX are not an affiliate of XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA you are expected to delete this items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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

Every day trans Union reducing my credit score. 
Trans union started decreasing my score in 4 month ago and all information is wrong and incorrect, please dispute my credit score and delete all the wrong information and hard inquiry from my history. Thank you
Product: Checking or savings account

I became the Personal Representative ( Executor ) of the Estate of an Upgrade Bank Savings Account holder in XXXX of XXXX. 
I sent them all required State and County Certified documents using Certified Mail.

They refuse to disburse the money and give no explanation.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE LATE PAYMENT STATUS FROM MY CONSUMER REPORT IT IS INCORRECT.
Product: Credit reporting or other personal consumer reports

I was shocked to find an unauthorized inquiry on my credit report today, with no explanation for how it got there. I routinely monitor my report, and this sudden issue is completely unacceptable. I tried refreshing my browser, thinking it might be an error, but the inquiry did not disappear. I am beyond frustrated and demand that this be addressed immediately. I expect a thorough review of my documents so I can stop worrying about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

my rights have been violated, i sent in a request about what i saw on my consumer report and adv them to correct and provided the laws violated because this is not fair and right. They failed to respond fair and correct. now im reporting it this. i sent certified mail, here is a tracking number XXXX and i have the receipts. 

They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. 
According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : i did not use in manner which is fair and equitable to the consumer in reporting negative allegations without written permission. a consumer reporting agency can not furnish an account without my written instructions. 

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Remember, the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

please audit these companies and correct my report as this is harming my chahracter.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00}
Product: Checking or savings account

I deposited a legitimate {$9000.00} cashiers check I received XX/XX/year> into my Citigold account on Monday XX/XX/year>. Shortly after, Citibank closed my account, claiming fraud, despite the check issuer verifying its legitimacy. I was given no clear explanation, and my funds were withheld. I requested information on why my account was closed, but Citibank has not provided a clear response or resolution.
Product: Vehicle loan or lease

This is a problem I had with XXXX XXXX in XXXX NJ in XXXX of 2013. The owner called me and said he had a pre approval for the car I always wanted. Me being a car person was interested but could not afford another vehicle at the time and let the salesman/owner know that, so they persisted saying what if I could pay next to nothing monthly for the vehicle would I take it? I replied of course I would and then he said ok come down and Ill make it happen. I proceeded to go there and they verbally informed me that I didnt have to pay for 6 months and then XXXX for 6 years. That was perfect he didnt write any paperwork and then gave me the car with no signature or anything. I didnt even know what bank I had to pay until I was called 3 months later by Santander telling me I owned them XXXX dollars and I was 30 days behind on my payments. Now I voluntarily returned the vehicle and suffered for 7 years with horrible credit because of this company and they refused to remove this from my credit report with no proof of any documentation, no proof of my signature, no proof of anything that coincides with the fair credit reporting act and then to top it all off they changed it from paid to unpaid now. Which it was paid and reported as paid for years and now put it as unpaid while not abiding by the law of the United States and trying to belittle my rights to question them. The contract they have is null and void because the agreement I had is with the dealer who will also not have proof because nothing was signed and under the fair credit act this entire report should be removed from all reporting agencies XXXX, XXXX, and XXXX. If it is not I will move to whatever lever necessary and make sure the media is notified about my case and all the measures taken to help me fix this from this point on. Thank you in advance for reading my unfortunate chain of events and I would greatly appreciate exposing the lies of all these banks because they can get away with doing it. I know this is much bigger then just myself, and I will write a letter to whom ever necessary to show them I paid them and now they are saying I didnt so they can claim it as a loss and collect insurance. Unfortunately it was paid years ago, and it showed on my credit report when I paid it. As of this week it changed to unpaid and charged off. Let me know the following steps I am going to need to take. Thank you my proof for all this is they dont have my identification and have my name wrong and address. If I provided them with paperwork they would have written it as it was seen on my ID but obviously they Fraudulently pushed the paperwork through and I want this removed immediately.
Product: Credit reporting or other personal consumer reports

I contacted XXXX three times in XXXX requesting that XXXX XXXX XXXX provide me proof that the bill their trying to collect is indeed mine. I never received the info and they sided with XXXX each time. So I contacted XXXX on XX/XX/XXXX requesting that they send me copies of my original signature opening the account and my signature saying that I agreed for my account to be sold and collected by a third party collection agency. They sent me copies of account statements, no signatures on XX/XX/XXXX. I contacted them again and received another letter with copies of statements on XX/XX/XXXX. I called them when I received this and asked to speak to a manager. I was informed that no manager was available and they could not help me. So on XX/XX/XXXX I sent them a letter requesting the information again. They received my letter on XX/XX/XXXX and as of today this account is still on my credit report. So I called them again and they said they would escalate this. At this time the 30 days they are required to have this settled is past and I this is still on my credit reports with no proof that it is even mine. 
I am asking that this be removed from my credit report! All copies of statements sent with their letters were the same ones each time
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 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 or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed by whom I thought was a friend on XXXX who I've know for years for a vehicle and I sent {$3700.00} to chime to chime but the account was hacked and the chime is fraudulent and chime bank didn't do anything about it and quickly denied me. I'm at a huge loss for my family. Idk what to do now
Product: Credit reporting or other personal consumer reports

My Identity was used to rent an apartment in XXXX. I have owned my home in XXXX XXXX for XXXX years. As a result XX/XX/2023 a collection reported on my credit report from XXXX XXXX XXXX for {$2900.00} from an apartment I found to be in XXXX called ; XXXX XXXX at XXXX XXXX XXXX. I have never lived here, this is fraud and I tried to contact the apartment complex for " validation of debt '' they were no help and advised me to contact the credit bureaus. I sent certified mail letters to the credit bureaus XX/XX/2023 disputing the fraudulently opened account and they did nothing about it. I have had no other collection accounts on my credit file in my XXXX years of life. And now I am unable to obtain credit to support my family, do to the fraud. I have also filed an ID Theft report with the FTC.
Product: Payday loan

Advance America charged my bank account that was already closed after the date the loan was due. 
I was expecting this check that I had written them to post the day the loan matured. I then received multiple fees and it caused another payment to return because of those fees ( {$35.00} each and they presented it twice plus the one that returned because of those fees ; resulting in XXXX in overdraft fees ) which ultimately led to my bank account being closed. 
Additionally, they have been advised via written notice to not contact my place of employment and they have called 4 times a day since the notification went out on XXXX XXXX, 2015. This company is putting me at risk of losing my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and saw that my social security was incorrected. I called experian to update my information on my experian credit report. The information I requested to be updated was my Social Security. I also requested that I only have XXXX name, there was XXXX currently then I requested only to have XXXX phone number. I also requested to have XXXX address listed on my report also, there was XXXX currently. because credit cards and loan offers are being sent to these other addresses in my name and with the current identity thief crisis, I wanted my information to be reported accurately and correctly. I have called multiple times. I did get my Social Security updated to the current one, all other request was not.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has 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 XXXXXXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Im not understanding how i endorsed my social into a consumer credit transaction and they denied me. i was able to get auto insurance but no insurance. i do not understand
Product: Debt or credit management

I was trying to learn how fix my credit and raise my credit score and dispute stuff that was not right
Product: Mortgage

I repeatedly asked for an accurate loan estimate and I kept being sent inaccurate loan estimates. The loan estimates did not have the correct interest rate on it ( the down payment assistance program I am using does not allow for buying points ), down payment on it, the wrong title fees, and seller credits I never received. I never received an accurate loan estimate after asking repeatedly for weeks. I was still waiting for an accurate loan estimate. Then I was sent a denial letter with untrue reasons on why I was denied. They only pulled one of my credit scores to make a decision according to denial letter which is not correct either. How in the span of a week I was qualified for the loan and now a week later I'm denied? How am I in the process of closing on my loan with another lender? 

See text messages between the loan officer XXXX XXXX and I. Also, see the fraudulent loan estimates with inaccurate information. Lastly, see the fraudulent denial reasons after being pre-approved for the loan and being sent loan estimates.