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

Ive carefully reviewed your correspondence and want to let you know my response. 


The reason I asked you to supply a copy of the check or online payment is due to the fact that you stated in your correspondence dated XXXX XXXX that a payment of {$100.00} was received on XXXX XXXX but however you tell Equifax and XXXX that you received payment on XX/XX/18 how is this so.? Therefore I will need whatever payment method that you received on the XXXX. 
In your last paragraph in your letter and I do want you to review your response Word for Word as to why XXXX XXXX XXXX  does not determine the reporting timeframe you are the burnisher arent you? What a bunch of XXXX. That is exactly why XXXX removed it from there report and I suggest you remove it from XXXX and XXXX and XXXX XXXX XXXX you will respond to this complaint or else Sustain legal action youre reporting is reckless dangerous and incorrect I demand you to remove it XXXX you need to remove it XXXX you need to remove it because youre a violation of the FCRA I request a update credit report with the deletion nothing else! 3 XXXX bureaus reporting different information from one XXXX of a credit how the XXXX this happens??
Product: Debt collection

I answered the phone and they continusly asked for my direct banking informationand kept demanding I give them my routing number and account number.. I explained I would not give that info, nor would I give my address without them giving me more information.. They call nonstop at all hours.. I explained that if they would mail me something verifying who they were, who the debt was from and the amounts I would work on paying it.. They again wanted me to give them banking information and set up automatic debit.. I again explained once debt was verified in writing I would set up payments but would NOT give them banking info..
Product: Debt collection

This is their last chance before I proceed with litigation. I had previously requested that I'd be opted out of credit reporting pursuant to 15 U.S. Code 6802. This company had denied my right to opt out which violates my right to financial privacy of my nonpublic information and claimed that my dispute letters were automated. I also sent a letter to cease all communications as stated in the procedures of the Fair Debt Collection Practices Act which includes both direct and indirect communication on ANY medium. Consumer reporting is an indirect medium to which this company is using to communicate with me and to this day it is still on my report. See attached exhibit
Product: Debt collection

I am filing this complaint about a company that I have never heard of that is filing entries on 3 of my 3 credit reports. XXXX, XXXX and XXXX. Company Name and Address : CACH , LLC XXXX XXXX XXXX XXXX, SC XXXX XXXXThey came out of no where and said I owed them $ XXXX. I have never heard of this company and notified this company by mail and phone that they need to remove this fraudulent entry off my credit report. When I spoke with this company and XXXX sounding person answered the phone and was really rude. I asked them why they put this negative collection/account on my credit report and they hung up on me. I have filed complaints and disputes with all 3 credit bureaus and only XXXX was able to prove it as fraud and removed it from my report. I called the company again and another XXXX sounding person answered the phone. I asked him to send me information showing that I owe Cach LLC or for information showing that I signed something saying that I owed them money for something. They again hung up the phone on me. They report themselves as an account of debt half the time that I made payments on supposedly. You will see in my additional documents that they list me 120 days late multiple times. I dont know how that would even be possible since I have never sent them money for anything nor have I ever made any agreement with this company for anything! Then they list my account as a collection other times. I know this is a scam and need to file with whomever I need to hold this company accountable for fraud, and fraudulent filings on my credit report. They claimed I made 2 payments to them and then hung up the phone on me on my 3rd call to them. Please investigate this company. I have done research online and found that I am not the only one being frauded by this company called Cach LLC. I am attaching both credit bureau entries that still remain on my credit report. You will see they claim me as 120 late multiple times and then they list me as a collect as well. I called a 4th time and asked for documentation showing that I signed for anything in order to owe them money. The rep talked over me and then yelled at me and then hung up the phone. You will see in you investigation that I never asked these people for money, sent them money, nor did I sign to agree to send them money. Please help. This is hurting my credit and Im scared they will go further to hurt me. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX Phone : XXXXEmail : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to 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 XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Hello. I had to contact the FTC and police because of fraud. I ran my annual credit report today and discovered items on my credit that are completely foreign to me. I am planning on buying a home soon. I have absolutely no idea what these items are and would like them removed as quickly as possible. Two items don't even have names attach to them only account numbers. 
Item # 1 Unknown ( account # XXXX ) item # 2 Unknown ( account # XXXX ), XXXX  XXXX, XXXX XXXX.
Product: Debt collection

Subject : Notice of Dispute and Pre-Arbitration Demand To Whom it may concern, I am writing to formally dispute the validity of the debt referenced in your recent communications. Additionally, I am notifying you of my intent to proceed with arbitration if this matter is not resolved promptly and satisfactorily.

It has come to my attention that your agency may be in violation of multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1692d ( 5 ) : Prohibiting harassment or abuse by causing a telephone to ring repeatedly or continuously with the intent to annoy, abuse, or h

arass any person at the called number. 15 U.S.C. 1692e ( 2 ) ( A ) : Prohibiting the false representation of the character, amount, or legal status of any debt. 15 U.S.C. 1692g : Requ iring that within five days after th
e initial communication with a consumer, a debt collector must send the consumer a written notice containing specific information regarding the debt.

I am aware that your agency likely acquired this debt for a fraction of its original value, potentially less than a third. Given this, I propose that we resolve this matter under reasonable terms. However, if we can not come to an agreement, I am prepared to initiate arbitration proceedings. Please be aware that the costs associated with arbitration, as well as the potential statutory damages for your FDCPA violations, will far exceed the amount you have invested in acquiring this debt.

To avoid unnecessary legal action, I demand that you cease any collection activities and engage in good-faith negotiations to resolve this dispute. Failure to do so will result in the initiation of arbitration proceedings, and I will seek full recovery of costs, including those associated with your violations of federal law.

Additionally, I request that a high-ranking official within your company review this dispute and personally sign any response. This signature will serve as a confirmation that the information provided is a true and sworn statement of your companys position regarding this matter.

I expect your prompt response within 30 days of receiving this notice. If I do not receive a satisfactory response, I will proceed with arbitration.

Sincerely,
Product: Checking or savings account

I was charged multiple times by a merchant and I did not recognize the charges and filed disputes that were denied
Product: Debt collection

On XX/XX/year> security credit services llc filed a lawsuit in court violating our binding arbitration agreement causing me unnecessary stress and in violation of My rights to a fair remedy by trying to bypass the arbitration clause they are being unethical and in violation of the fair debt collection practices act I believe I have ground to sue them under these circumstances and will look in to it
Product: Credit reporting or other personal consumer reports

I received notices that my information was involved in a security breach. So I checked my credit report and found many inaccuracies.
Product: Credit reporting or other personal consumer reports

Upon conducting a thorough investigation into my credit report, I uncovered several discrepancies that have significantly impacted my XXXX XXXX. The discovery of unverifiable, invalidated, inaccurate, and questionable items has caused me XXXX XXXX. It is imperative to emphasize that your agency 's reporting must adhere to the standards set forth by the Fair Credit Reporting Act. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is explicitly stated that all reported information must be entirely accurate. The presence of these accounts in violation of such statutes raises serious concerns regarding the integrity of my credit report. 

I have attached copies of all correspondence previously sent in an effort to address these issues. It is my expectation that your agency takes immediate action to rectify these inaccuracies and ensures that my credit report reflects only completely verified and accurate information, as mandated by law. 

Thank you for your prompt attention to this matter.
Product: Student loan

Aidvantage took over servicing my student loan ( from XXXX XXXX XXXX XXXX ) earlier this year. 
Several months later, I was notified that payments would resume in XXXX. 
I created a login with Aidvantage and tried to review the amount of my upcoming payment. For months there was no information online, but finally the payment information populated. It was similar to what it had been before the Covid pause. I dont recall the exact amount, but it was somewhere in the vicinity of $ XXXX {$80.00}. I saw there was an option to inquire online about IDRs ( Income-Driven-Repayment Plans ). I looked into it ( Aidvantage asked me to answer a few questions ). Aidvantage said they would review and let me know what my options were. I didnt hear anything for weeks ; then, just a week or so before my first payment was scheduled to be withdrawn from my account, Aidvantage emailed me and said my IDR had been approved. 
Keep in mind I had never said I wanted an IDR, or given permission to anyone to implement one ; I had simply inquired into how much lower my payment would be if I did that. 
I logged in to see what changed, and saw my payment had more than quadrupled to nearly {$400.00}. Why Aidvantage would think I would want to use an IDR to raise my payment I have no idea. 
I immediately tried to cancel, but the website said I had to call or email them. 
I tried calling- on hold endlessly, no answer. I tried calling again, later. Same thing. I tried submitting an email through their website ( only other way of contacting them ) ; I was told I would get a response within two days. Nothing. I sent another. A week went by. Nothing. The large payment was taken out of my bank account. Still nothing. I tried calling again. Still placed on hold indefinitely. I emailed again. Nothing. 

It has now been over a month, and I have received no response whatsoever from anyone at Aidvantage. And certainly no explanation for why they raised my payment without my permission.
Product: Credit card or prepaid card

I opened a XXXX XXXX XXXX in XXXX XXXX. When I applied for the card on-line they offered a XXXX XXXX balance transfer deal. I submitted the information for the loan I wanted to have Citi pay to take advantage of this. The loan I wanted paid off by them was with XXXX XXXX XXXX XXXX in the amount of {$6700.00}. I received my Citi MasterCard on XX/XX/22 and activated it that day. I also created a log-in on their web site so I can access my account on-line. I noticed ( on XX/XX/22 ) they had already charged my account for the above amount yet when I checked my XXXX XXXX account on-line the balance on the loan I wanted Citi to pay off was still there. I called their customer service number ( XXXX ) XXXX when I finially got through to a representative they acted like they couldn't hear me and hung up. I have called them XXXX more times since XX/XX/22 and each time this is what they do - their phone menu is very difficult to navigate and they intentionally make it extremely difficult to get through to some one. As of today, ( XX/XX/22 ) the balance on my XXXX XXXX XXXX still shows the above balance ( citi has not paid it off ) and of course Citi show 's that I owe them another {$6700.00}!! These people are nothing but thieves!!!
Product: Credit reporting or other personal consumer reports

I understand how important it is to make timely payments. However, I missed my payment because COVID-19. But Im confident this wont happen again. As you can see from my account history, I have a long record of on-time payments before and since the late payment. 
As a courtesy, I respectfully request that you make a goodwill adjustment to remove the late payment on [ XX/XX/2020 ]. Please consider my track record as proof that I take my financial obligations seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on my credit file which is currently closed and doesnt belong to me. The account was opened fraudulently XXXX XXXX  account : # XXXX. I submitted a ftc report along with proof of my identification, and proof of address. The account wasnt blocked from my credit report for the duration of the dispute investigation which is in fact a complete violation! However, I received an update for the account which stated it was verified and it would remain on my credit file. I was not provided with any proof of verification, which means this account XXXX XXXX  account : # XXXX should not be on my credit report. IT SHOULD HAVE BEEN DELETED!!
Product: Credit reporting or other personal consumer reports

Bridgecrest illegally and fraudulently repod a vehicle I was still making payments on, then resold it. They have broken many consumer laws including deceptive business practices. They need to remove their fraudulent reporting from my XXXX and XXXX credit reports. XXXX has already deleted it from my credit history. They claim to offer payment deferrals, but apparently they never actually give them to any customers. ( Please look at their reviews and the many consumers they have taken advantage of in this manner ) I would like actual proof from Bridgecrest of supposed email or letter mailed to me denying deferment, one that was acknowledged and signed by me.

I would also like to see the loan agreement that shows that they are free to deny deferrals at will, again something that I acknowledged or signed.

They have nothing of the sort, because they are committing fraud. Stating I was 22 days late? Ive provided proof of payments through XX/XX/XXXX, XXXX to be deferred. They broke the law. Simple as that.
Product: Checking or savings account

In XXXX XXXX my XXXX XXXX XXXX son process without my consent or permission some app products in XXXX. XXXX requires created an account in order to have access to their apps since my son is a minor, I log in with my account in his XXXX tablet. My card was registered on my XXXX account on my XXXX cellphone because I was paying XXXX cents every month for extra XXXX data. I removed my card from my XXXX account on XXXX but XXXX by any unknown reason without my consent, kept my debit card information on its system, allowing and processing my child transactions, also I got on XX/XX/2021 an apple credit card to buy a new cellphone but I did never used it to buy something, and XXXX charged that new credit card with more bills without my consent. An XXXX employee was also threatened my action of submitting a claim directly with my bank, After XXXX did not check my claim. The merchant return all the money to XXXX on the XXXX account since all those items were virtual not real.
Product: Vehicle loan or lease

I am XXXX XXXX XXXX, a living man, and a consumer. I am at the age of majority and competent to speak on this matter. I am making a legal complaint and reporting that the company Exeter Finance LLC is furnishing false and misleading information to the credit reporting agencies regarding an electronic funds transfer for an open end credit plan. The status of the credit plan is reporting as closed on XXXX, open on XXXX, and derogatory on XXXX XXXX. And it is also reporting unearned interest as a balance. In this complaint, I want to be clear that I have consumer rights, specifically under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and the Electronic Funds Transfer Act. I am reserving all of my rights in those acts and I demand for my consumer rights to be respected as they relate to my consumer relationship with Exeter Finance LLC. This false and misleading reporting of this information is either negligence or disregard for my consumer rights. Information being reported in my name must be fair to me at all times. I am seeking redress for the account to be closed and updated to paid as agreed or permanently deleted from my credit reports. I also want to make notice that my name XXXX XXXX XXXX is copyrighted on record with the clerk of courts in XXXX XXXX at the Deeds and Records office. And there are heavy fines associated with the misuse of my name including but not limited to using my name for purposes that are unfavorable to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I report numerous violations commited by XXXX XXXX and request to impose appropriate sunctions that will motivate that financial institution to obey the law. 

XXXX XXXX violated FCDPA 804. ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer by calling and refusing to disclose the identity of the employer when I explicitly requested that. 
XXXX XXXX violated FCDPA 807. ( 8 ) including the failure to communicate that a disputed debt is disputed by not notifying me about alleged debt. 
XXXX XXXX failed to validate the debt before reporting it to consumer reporting agencies by violating FCDPA 809. ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector On XX/XX/XXXX I got a call from a person who didn't want to introduce himself neither disclose the identity of the company till I confirmed my name, though such an action classified as a violation of FCDPA. But I already knew that XXXX XXXX employs such deciving practices so it didn't surprise me. Then, I was asked why I didn't make minimum payments for my credit card. I was taken off guard since I saw payments going to XXXX XXXX in my online banking. Then we started to investigate the issue. It turned out that in XX/XX/2019, a XXXX representative made a mistake while setting automatic payments and linking an unexisting account over the phone. Then, for 3 months XXXX failed to call me or send me an email notifying that autopay didnt work and they didn't receive the payments. When it was clear that it was only an error on the bank 's side, XXXX representative apologized for a mistake, reversed all late fees and fixed autopay. Nevertheless, at the same time XXXX submitted a false information about missing payments to credit reporting agencies! And the bank never notified me that it would take such an action neither by phone, mail, or email which is another violation of FCDPA!!! A month later the bank insisted and resubmitted the false information again. In XX/XX/2019, faling to make XXXX to fix it on its own, I disputed credit report late payment with credit bureaus and on XX/XX/XXXX I received results from Experian which confirmed again that I was 30 days late making payments for a credit card. It appears that XXXX XXXX considers penalties under FCDPA insignificant and is ready to bear them in order to harass its clients. 
As a result of multiple FCDPA violations by XXXX XXXX  I had a credit card issued by XXXX XXXX closed and a new account request rejected by XXXX.
Product: Checking or savings account

On XX/XX/XXXX I visited a bar/restaurant in XXXX Tx XXXX I provided my card for 1 drink that I purchased and my card was charged for a different persons tab {$200.00}. I submitted the fraudulent charge to my bank ( CHASE BANK ) and they denied it even though I provided a copy of the signed voucher which was not my signature. I provided the bank my state issued drivers license which clearly had a different signature than the credit voucher that my card was fraudulently charged on. Apparently if I use my card at an establishment and their employee uses it for something that is not mine, the bank will not call it fraud because my chip card was present?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX opened in XXXX, discharged in bankruptcy in XXXX is being reported by one of the agencies as delinquent. I disputed the reporting but it is still reporting incorrectly and I am unable to dispute a second time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 90 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 22 and 23 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.