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

XXXX IS REPORTING XXXX MULTIPLE XXXXIMES UNDER XXXX XXXX updated account information. THIS ACCOUNT XXXX IS A PAID IN FULL ACCOUNT AND ITS BEING REPORTED UNDER XXXX XXXX IN FOR XXXX " ADDED TO ACCOUNT '' with no information not even saying paid The account are paid. It's just there reported multiple times.
Product: Debt collection

I had to get some work done on my car roughly around XX/XX/XXXX. At the time I could not afford the total amount of {$600.00}. 
The gentleman at the register at XXXX XXXX XXXX XXXX suggested I finance the amount of the repairs, which I agreed to and signed. 
A couple of days later I receive a call from XXXX XXXX saying that they had purchased the contract from the XXXX XXXX XXXX XXXX and they would be collecting the payments. 
XXXX XXXX and I discussed the terms of the agreement, which we agreed to. We proceeded to set up EFTs through my XXXX XXXX account which I suggested. 
A few day later I received a welcome letter from XXXX XXXX, reiterating what we had discussed a few days earlier. ( See Welcome Letter Attached. ) The problem happened after they attempted to continue withdrawing funds from my account via EFTs from my XXXX Bank Account. 
I call on XX/XX/XXXX and spoke with XXXX asking why they were attempting to withdraw money from my account after the agreement was fulfilled? ( See EFTs withdrawn from XXXX XXXX Attached ) According to XXXX that was not the contractual agreement and I owed roughly another {$600.00} plus, on top of what we agreed to verbally, and in writing referencing the terms via the Welcome Letter. 
XXXX XXXXXXXX has reported this on my credit report as a collection account. Even as per the agreement I fulfilled my financial obligation for services rendered. 
Also, they have consistently called and ask me to make some kind of payment arraignment for the remaining balance. 
Which I have painstakingly told them the obligation has been fulfilled and I have the letter, and withdrawals to confirm I owe nothing.
Product: Debt collection

On XX/XX/2020 I paid a debt to Macy 's Department Store in the amount of {$330.00}. I have a copy of my bank statement confirming the payment. I have continued to get collection notices from XXXX XXXX XXXX for nearly a year regarding the payment. I have sent them copies of everything, called them, written them to no avail. This is negatively impacting my credit score and I am getting nowhere with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX is showing up on Experian as a credit card usage. The appropriate category is Mortgage not a credit card. Please have Experian updated.
Product: Credit reporting, credit repair services, 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, 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 : Also states a consumer reporting agency can not furnish an 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: Debt collection

Comenity Bank continues to call us on different phone numbers. We block XXXX number and a few hours later they call on another. XXXX time they left a message for a XXXX someone whom we do not know. We have no relationship with commenity and our credit score is XXXX!! We have our number on the XXXX list and have reported them repeatedly!! 
Please help! 
Thanks
Product: Credit reporting or other personal consumer reports

I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Kindly correct this matter immediately. 
XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that Experian is reporting TWO BANKRUPTCIES AS PUBLIC INFORMATION ON MY CREDIT. On XX/XX/2018 i sent XXXX, XXXX and Experian a letter requesting that they investigate or delete disputed items from from my credit report as well as temporarily remove these items from my report during the investigation period. XXXX removed the negative information from my credit file because it was not able to be verified. As of this date Experian have failed to respond to my request The law stipulates that Experian must investigate within 30 days of receiving my letter and respond within 5 days of completing their investigation, AND Experian has not followed the stipulations of the law. Experian have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( 1 ) ( 1 ) ( A ). Furthermore, tthey have failed to provide the method of verification required under section 611 ( a ) ( 1 ) ( A ). Please be advised that under section 611 ( 5 ) ( A ) of the FCRA - you are required to " promptly DELETE all information which can not be verified. I may suffer damages because i need to rely on an accurate and complete state of my credit record and demand that you remove the disputed items from my report immediately as they have failed to comply with the law. Otherwise, i will contact the federal trade commission and advise them of their apparent disregard for consumer protection laws.
Product: Consumer Loan

I applied for a personal loan with SoFi Lending and was approved. Their disclosure process is not clear or upfront which leads me to believe it is not legal. After I signed loan documents it was disclosed to me that the loan would not be funded for up to 30 days and have been told I wo n't be given an exact date for funding. It should be disclosed upront that funding does not occur for 30 days. This should occur in the disclosures before applying. This leads consumers to making decisions on applying for a loan that are flawed and present Dishonest Services to the consumer.The loan is a fixed rate loan and the loan documents indicate a payment based on a specific interest on a 30 day cycle with the first payment XXXX/XXXX/2016 this leads me to believe I will be paying interest on funds that have not been disbursed to me. How can a consumer be provided with loan contract with scheduled payments with a commencement date with automatic withdrawals and no date for disbursement until after you agree to the terms?
Product: Credit reporting or other personal consumer reports

Wednesday XXXX XXXX XXXXXX/XX/ Dear CFPB employees, Subject : Complaint - Request for Proof of Late Payment under 15 USC 1666b To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXX, XXXX XXXX and XXXX XXXX regarding a disputed late payment on my consumer report. I have requested proof from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, that the payments were indeed late based on the specifications of 15 USC 1666b, but they have failed to provide the required information. 

I am a diligent consumer who is well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer financial protection laws. I recently corresponded with XXXX XXXX specifically with XXXX XXXX and XXXX XXXX, regarding the late payments that they have listed on my consumer report. I requested in good faith the necessary documents to prove that the information required by section 1666b of 15 USC was mailed out or delivered 21 days before the payment due date. 

However, they have not provided any evidence or documentation to support their claim of a late payment. I assert that according to the law, a creditor can not treat a payment as late without complying with the stipulations outlined in 15 USC 1666b. I have not received proof of such compliance. 

This refusal by XXXX XXXX and XXXX XXXX to provide the requested information is a clear violation of section 15 USC 1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act ( FCRA ) and section 15 USC 1666b & 1637 ( b ) of the applicable title. 

I hereby demand that XXXX XXXX XXXX XXXX and XXXX XXXX provide the required information and proof of the alleged late payment within XXXX calendar days from the receipt of this complaint. Any correspondence NOT including the proof I am demanding will be deemed a failure to comply. Failure to comply with this request will be deemed as an admission that the reported late payment is erroneous, and I insist on its immediate deletion from my consumer report. 

Furthermore, I will be submitting this complaint and the related facts and correspondence to the XXXX XXXX XXXX XXXX XXXX XXXX and you guys, the Consumer Financial Protection Bureau ( CFPB ) for further investigation and appropriate action if XXXX XXXX XXXX XXXX and XXXX XXXX do not rectify this matter promptly. 

Thank you for your attention to this serious issue. I look forward to a swift resolution and the accurate representation of my consumer report. 

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

This letter is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of paid as agreed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I XXXX XXXX checked my credit report and I noticed some fraudulent and inaccurate accounts on my credit report I then proceeded to reach out to the credit reporting agencies to remedy the situation but they would not help me correct these fraudulent and inaccurate accounts
Product: Student loan

I co-signed for a loan taken out by my Daughter who suffers from   XXXX   XXXX  . At a certain point she could no longer work or pay the loan. I am also  XXXX  and suffer from  XXXX . We both recieve our sole income form Social Security. We applied and subesuently recieved releif under hardship but the lender continues to report " missed payments '' on both of our credit reports with all three credit reporting agencies. The lender ( formerly  XXXX   XXXX   )   XXXX , had been informed of our desire to seek relief under hardship. We deny the late payments. I am also siting this corporation of re- aging the loans to keep reporting the late payments and continue multiple reporting.
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. Transunion must validate this account 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients.

Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. The account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from 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 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
Product: Credit card or prepaid card

On XXXX XX/XX/2020 I went to Home Depot in XXXX MA to purchase items for a job totaling approx {$15.00}. Inserted my Home Depot commercial acct card only to be declined. Reason NO payment for XXXX. I had to produce {$110.00} via my debit/MC to pay. I went home checked my payment slip & I did make a payment in store on XXXX XXXX, 2020, have transaction receipt & the statement stating payment received XXXX XX/XX/2020. Called Home depot CS to have fees removed & card unlocked. They said the card has to remain locked till the XX/XX/2020. I argued that it was their mistake why should I shouldn't be penalized. I have been unable to use the card for small job purchases. I am a XXXX yr old XXXX man with a XXXX  XXXX   XXXX to help pay the bills. because of COVID it has been extremely stressful for the 1st 9 months. Now that I can make a few dollars I can't because Home Depot will not unlock the card after providing proof that it was their mistake. I also went to the cashier that took my payment on the XXXX XXXX to find out why it didn't electronically collect on the payment & she stated it was an equipment malfunction, again not my fault. I sent {$110.00} immediately they should have unlocked my card there & then. Home Depot/Citigroup has prevented me from earnings for this time period which have been estimated to be $ XXXX {$800.00}. They allegedly refunded the fees but won't unlock the card till the XXXX. They need to change their policy. If they get an immediate electronic payment that is applied within 24 hrs. Takes 2-3 days for a check to clear why can't my card be valid as soon as they get the payment so not to create a financial crisis worse than it needs to be for a XXXX senior just trying to stay afloat?
Product: Debt collection

NCB Management Services , Inc had obtain my personal information through identity theft. I never given this company any of my personal information including a social security number. According to the Privacy Act of 1974 which states : " The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements. '' NCB and XXXX XXXX violate this act when my information was illegally obtained without my verbal or written consent.
Product: Checking or savings account

On XX/XX/2020 I tried to go to an ATM here in California. My debit card for my preferred bank did not work so I was going to have to use my " emergency '' card which is through US Bank. I was not sure how much money was in this account so I tried logging into my account to check with my phone. The app denied me access. Despite this, I know I have a line of credit with overdraft protection which was guaranteed to me, verbally, to have no fee when I signed up. 

This morning I am finally able to login after numerous attempts and see they have charged me {$7.00} for an " Overdraft Protection Fee. '' What? I was told, in person, when I signed up there is not a fee for this service. I called US Bank and after a 30 minute hold spoke with somebody who read me an agreement that indeed lays out a {$7.00} fee for this service. She then confirmed to me that this policy went into effect last year. I asked them to provide any indication of how I was informed of this change in terms from what I agreed to sign up for and they could not provide it. 

To summarize, they offered me a free product. Then at some point, changed it to a product that is not free. They never informed me of this. Then, they ensure that their online service is so terrible that I couldn't possibly transfer the funds on my own to avoid the fee. Then they milk me.
Product: Debt collection

A debt collection company contacted my former employer of mine and noted that they confirmed a medical debt of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint to let Equifax know that LITIGATION IS PENDING if these items are not immediately removed. My attorney advised me that we can seek damages of {$1000.00} per violation, according to the FCRA. On XX/XX/2022 Equifax received a letter I sent regarding inaccurate and unknown items on my credit report. Over 30 days went by and I never received a response! I feel like I have been taken advantage of, and my disputes are being deliberately ignored. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives reason to immediately delete these items from my credit report! Clearly they violated my rights because 30 days went by with no response. These items need removed immediately or we will pursue litigation due to the immense stress Equifax has caused me, and their continual violation of my rights! Equifax also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) - The credit bureaus are supposed to complete the investigation before the expiration of the period under Section 611 ( a ) ( 1 ). ACCOUNTS : XXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX Account XXXX XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. ( ACCOUNT NAME NOT EVEN LISTED ) Account # XXXX, has violated my rights. I will attach the tracking number below, along with my dispute letter that I've sent to Equifax to try and rectify the situation, you can clearly see they have been violating my rights, and have failed to do a proper independent investigation as required per the FCRA. These accounts need deleted immediately. They didn't complete their investigation, or respond, within the 30 day period AS REQUIRED BY LAW! Also filing complaints with Attorney Generals Office, & XXXX. Tracking # : XXXX
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 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 caused significant inconvenience and financial loss, and I seek appropriate redress ( 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 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 caused significant inconvenience and financial loss, and I seek appropriate redress ( 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 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 caused significant inconvenience and financial loss, and I seek appropriate redress