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

My XXXX XXXX XXXX was showing current with no late payments in XX/XX/XXXX. now it is showing that i have two late payments. One in XX/XX/XXXX and one in XX/XX/XXXX. How can they report incorrect information that they say took place last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I see that XXXX XXXX has reported my account 6 times late 30-59 days late. I have attached my payment history and a few months I made two payments in 1 month. I sent them a good will letter to get it resolved and its has not helped at all. If anything my account should only reflect 1 payment late in XX/XX/2017.
Product: Debt collection

In XX/XX/year>, I saw that there had been a negative action ( collection ) on my credit report. It was from L J Ross Associates XXXX Inc. collecting on a supposed {$260.00} pass due amount as of XX/XX/year> related to XXXX XXXXXXXX XXXX XXXX There was never any notice that they were collecting it or that it was in collections. The bill of {$260.00} from XXXX XXXXXXXX should never have happened as I had communicated with XXXX XXXX that it was not correct and they said they would backdate the bill, but they did not do so and thus gave me the impression that everything had been corrected. They also said I didn't have to worry about the bill during the time that it was getting disputed and never informed me that it was still overdue and was going to collections. 

After I saw the notice that my credit score had decreased by approximately XXXX points, I contacted XXXX XXXXXXXX who finally corrected the matter and showed that rather instead of having any amount due to them, XXXX XXXXXXXX actually owed me. I informed the three credit report agencies ( XXXX, XXXX and XXXX ) of this and disputed it and they have yet to do anything on the matter. My credit score has still be significantly negatively impacted by this. When I called L J Ross Associates to discuss with them about the collections, they informed me that they no longer have the actual collection and that it is with Washington Gas and would not provide any other information. I asked them about their collections on my credit score but they did not confirm that they are doing anything to revert their collections filing that has severely and adversely impacted my credit score. This should never have happened. There should have been notice provided so that I could contact the appropriate person before the collections was ever filed. Once it has been filed, it does irreparable harm to your credit score even though it is false and untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EXPERIAN " CRA '' REPORTING VARIOUS ID FRAUD ACCOUNTS NOT MINES : PUBLIC RECORDS, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX..DEMAND REMOVE ALL FROM CREDIT FILE ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian numerous times to get the following accounts removed as they are reporting inaccurate and unverified information, damaging my credit. My attempts to have these removed due to factual inaccuracies were on XX/XX/XXXX XX/XX/XXXX via online dispute submission. Then via certified mail on XX/XX/XXXX, XX/XX/XXXX. 

I provided the following information ; XXXX - 1 ) Account has been re-aged : Experian XX/XX/XXXX, XXXX XX/XX/XXXX *FCRA Violation*. 2 ) Historical Payment Status : Experian XX/XX/XXXX XXXX days late ; XXXX XX/XX/XXXX XXXX days late. Experian XX/XX/XXXX XXXX   days late ; XXXX XX/XX/XXXX XXXX days late. 

XXXX XXXX -1 ) This account can't possibly have been verified because the status update date has not changed, XXXX XXXX. *FCRA Violation*. 2 ) Collection and creditor both show balances. 

XXXX XXXX - 1 ) Both original Creditor XXXX XXXX XXXX XXXX & collection showing a balance. 2 ) Sent Validation Request & received nothing from the collection agency, so how was this " verified '' if the collection agency was unable to provide validation. 

Each time I received a response from Experian they state the information has been " verified ''. How is that possible when I am providing factual information on my credit report pulled directly from them. I have asked on numerous occasions to provide me physical documentation along with the method of verification used to " verify '' these accounts & they failed to provide me that information. 

These accounts were never legally investigated properly which is clearly outlined by the FCRA as a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These agencies include XXXX, XXXX, and TransUnion. my wife and I are victim 's of fraud this is been on going still we have filed complaints to your office as well as the were the debit took place, your office keep passing this back to XXXX, XXXX, and TransUnion they keep tell me I never showed a police reports I have sent them and your office has showed them also, we have make complaints with FHA, as well as Hud from their own website up loading the info we spent money using their owe sites and they wont take the info, provided, please see the enclosed info. I have also called your XXXX XXXX office IM XXXX and a member of XXXX XXXX, we have been discrimination on the basis of familial status and gender because no one fixed the credit I was force this humiliation of this, and split of my children between homes, this has caused my health problems as well not having the credit my teeth damage I need dentures. we lost out on homes and lender who cant lend to. our info with XXXX, XXXX, and TransUnion is crossed wrong, multiple files with mine and my wife. info
Product: Credit reporting, credit repair services, or other personal consumer reports

This car is reporting as a charge-off, and should be off my credit report or reporting 100 % on time payments with no charge off reporting. This car loan has been settled with Wells Fargo as a unlawful repossession due to unknown charges through collateral protection insurance. I was given monetary compensation and was told by Wells Fargo that this loan will be removed from my credit report or reported 100 % on time payments with the charge off status taking off.
Product: Credit reporting

I am disputing the XXXX report that they are charging me with..I had consumer Affairs involved and they reported back that they over charged me on thier Account..We cancelled the cable with them and 6 months later they kepted charging for a cable bill..And we had internet lite and they upgrade the internet without our permission and We told them disconnect their service and that We did n't want their high priced service..And XXXX told us our bill would only be XXXX a Month and them after the upgrade they went to XXXX without our permission..And they do not have any of my personal infor like Social Security or any such..
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

Transunion is violating my consumer rights. They are fraudulently letting XXXX XXXX, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State  website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on Transunion for failure to investigate as I'm a federally protected consumer. I will also be reporting both Transunion and XXXX XXXX to the IRS filling out form XXXX A information referral for unreported income since Transunion gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS . I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. I attached proof that XXXX XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX  because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX XXXX pays Transunion to report inaccurate information and Transunion refused to give me a fair investigation for their financial gain
Product: Debt collection

I started receiving calls from Amsher XX/XX/2016 in regards to an alleged debt owed of {$840.00} to XXXX. I have no idea what was going on so I sent several of disputes in regard to this beginning XX/XX/2016 until now. They were reporting to XXXX and XXXX of this debt. In an attempted request for validation since XX/XX/2016, Amsher has failed to send me any proof of validation notification of this debt. Amsher removed information reported to XXXX in this case but still continued to report to XXXX currently.
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 9.C financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital one about to XXXX hard inquiry that is reporting on my credit report. They told me they do not see any applications on my file and there should be no hard inquries reporting on my credit. I Called transition and sent them a certified letter but they told me they can not help me without a letter from Capital One. I called Capital one back but they said they can not give me a letter and just call XXXX back. I want these hard inquires removed from my report immediately.
Product: Consumer Loan

This is a follow-up to Case # XXXX I contacted the company to try and work out an agreement. I have attached all of the information.
Product: Credit reporting or other personal consumer reports

These inquiries were not initiated by me. I urge you to do a thorough investigation and remove them from my credit report. I have submitted supporting documents to validate my assertion.
Product: Credit reporting or other personal consumer reports

I filed a dispute on Account # XXXX XXXX XXXX XXXX, due to the account does not belong to e. XXXX denied to follow up with the investigation. I recently was notified that that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed immediately. As it is affecting my chances on purchasing my home. XXXX violates my my rights as a consumer as well as federal laws.
Product: Vehicle loan or lease

I returned the non running vehicle XX/XX/XXXX. Called the company in XXXXXXXX XXXX XXXXXXXX to see how much I would need to get back vehicle and was told it was sold already. I didn't receive a letter on the mail until XXXX XXXX XXXXXXXX ( not actually date ) that vehicle was sold and for under XXXX XXXX. I saw on my credit report in XX/XX/XXXX that it was charged off by company. I received information in XX/XX/XXXX that they wanted to negotiate a payment plan. When I called the lady XXXX hung up on me because I asked for a copy of the 1099c when I called back I was directed to the lawyer whom went in on me and saying they sent paperwork to the courts on XX/XX/XXXX to sue me for the loan and the interest of {$5.00} a day. But my credit report is still saying charged off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tennessee XXXX XXXX XXXX XX/XX/XXXX Equifax Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of XXXX XXXX for XXXX and Non-Compliance {$21000.00}. 

Dear Equifax, I am writing to formally dispute the claim of civil liability for negligence and non-compliance in the amount of {$21000.00} which you have issued on XX/XX/XXXX. After carefully reviewing the details of the claim and the circumstances surrounding it, I believe this amount is not owed, and the charges do not reflect the actual events. 

The grounds for my dispute are as follows : XXXX. Lack of Evidence for Negligence : There is no concrete evidence that supports the claim of negligence on my part. I have consistently met my obligations and acted in accordance with the agreed terms and conditions, and there is no proof that my actions were in any way reckless, careless, or non-compliant. 
XXXX. Non-Compliance Issues : I contest any allegations of non-compliance. To the best of my knowledge, I have complied with all legal requirements and contractual obligations related to this matter. Furthermore, there has been no communication from your end regarding any specific areas of non-compliance or failure to meet requirements prior to this dispute being raised. 
XXXX. Inaccurate or Unjustified Charges : The amount of {$21000.00} appears to be inflated and unsupported by proper documentation or a detailed breakdown of the costs and fees being imposed. I request a full and transparent explanation of how this figure was calculated, including any supporting documentation and records. 

Given the above, I respectfully request that you review this matter, reconsider the charges, and provide a formal response outlining the specific details and supporting evidence for the claim. Should you fail to provide adequate justification, I will have no choice but to seek legal counsel to ensure that my rights are fully protected. 

I expect a written response within [ reasonable time frame, e.g., XXXX  days ] from the date of this letter. If you require any further information from my side to facilitate the resolution of this dispute, please do not hesitate to contact me directly at XXXX or via email at XXXX Thank you for your prompt attention to this matter. I look forward to your response and the swift resolution of this dispute. 

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

My car was totaled XX/XX/XXXX, the finance company who was XXXX was paid by my car insurance company and the gap insurance company to cover the total amount of the vehicle. My husband and I tried to purchase a new car and found out that XXXX put a charge off on our credit. When I called the agent said it was a clerical mistake, someone put it was charged off/repossessed instead of a total loss. They said they needed a supervisor to correct it, the supervisor refused and said we owed over {$3000.00} in late fees and other fees that accumulated after the total loss. I tried to explain to them we didnt have the car it was totaled and there should be no charges after the total loss date, they still refused. We even agreed to pay them if they would delete it from our credit and give me written proof. I had an agent agree to do that only to be told that they would not delete it off our credit because they cant, which I know they can and they would not give me proof. I told them I would speak with a lawyer at this point. I spoke with a lawyer who said not to pay it and no longer have contact with XXXX, that they would speak with them on my behalf and my husbands behalf. I called back to try and resolve this issue again they still would not work with us. I told them we would not pay it and I would fight it with the credit bureaus, m. They said that they would wait until the 28 day mark on the 30 days they have to respond and would fight it back. They said they would keep doing it because they have better more expensive lawyers and would sue me for everything to get the money and then they would sell it to someone else so it would never end and ruin my husband and Is credit. They also said that if I wait until the 7 years for it fall off they would just sell the debt and keep reselling it. I dont know what to do at this point but its ruined our credit and continuing to ruin it so we can not get another car or even our fist house. It is supposed to fall off in 2024 but Ive been fighting with them and the credit bureaus to try and get it off sooner and hopefully reverse the damage, Ive been working with my lawyer as well but we are having a tough time. The credit bureaus keeping saying it a valid debt even though they information they have reported is incorrect, we never had the car repossessed and I even have proof from my insurance company, the gap insurance company and a police report to prove the information is incorrect but they still wont remove it. XXXX is the worst company we have ever had to deal with and refuses to work with us at all. Im just afraid that when its supposed to fall off that they will follow through with the treat and sell the debt and it will never end and we will never be able to get another car or our first house
Product: Debt collection

I HAVE A BILL FROM CASHNETUSA FOR XXXX. I HAVE NOT TAKEN OUT ANY LOANS FROM THIS COMPANY. I CALLED THEM AND GAVE THEM MY NAME AND THE ACCOUNT NUMBER OFF THE BILL XXXX AND COULD NOT GET ANY INFORMATION FROM THEM. THEY WANTED MORE OF MY INFO AND I REFUSED TO GIVE THEM ANY AS THEY HAVE MY NAME AND THE ACCOUNT NUMBER TO USE FOR REFERENCE. THIS IS ALL THE INFO I CAN GIVE, AS THEY REFUSED TO GIVE ME ANY UNLESS I GAVE THEM MORE OF MY INFO. I HAVE NO BUSINESS WITH THIS COMPANY, SO I DO NOT KNOW HOW THEY THINK I OWE THEM MONEY. I THINK I DID A FBI SCAM REPORT LAST TIME I GOT A LETTER FROM THIS COMPANY.
Product: Debt collection

See complaint : XXXX SUBMITTED ON XX/XX/2019 PRODUCT Debt collection ISSUE Written notification about debt Original complaint was submitted with the credit bureaus on XX/XX/XXXX. 
No communications was sent by Midwest recovery XX/XX/XXXX submitted complaint with CFPB As of todays date XX/XX/XXXX, I have received no written communications as to which showing the original creditor or any written notifications from midwest Or its clients. 
The debt collector has failed vied any documentations to consumer. 
30 days has passed since the original dispute to the bureaus. Credit collections reporting on my credit report shall be removed
Product: Payday loan, title loan, or personal loan

I never ever took out a pay day loan and I looked up the company Big Picture loans and they come up under multiple names and addresses.
Product: Credit reporting or other personal consumer reports

I requested a copy of the 1099-C form Creditor filed with the IRS. On XX/XX/year> an letter was mailed to XXXX XXXX XXXX, certified mail and return sender ( USPSCM # XXXX ) requesting the copy of 1099- C Form.

Not only is this company committing security fraud, but they are committing tax fraud as well. While I have NOT received the copy of the 1099-C Cancellation of debt form that XXXX XXXX XXXX filed with the IRS. It is important to rectify this situation promptly to avoid potential tax implications and to ensure accurate reporting on my consumer report. Why are are they witholding the copy of the 1099 - C, and why wasn't a copy sent to me as soon as filing with the IRS? I am requesting XXXX XXXX XXXX  to send me the requested documents per my request immediately. I am also requesting your company to cease requesting payments on an account that has been canceled debt. It is important to align with the FCRA, and IRS guidelines and accurately reflect the cancellation of debt status to avoid any further confusion or potential legal issues. 

They have sold this debt to a third party XXXX XXXX XXXX this is a violation ( XXXX XXXX XXXX.
Product: Credit card or prepaid card

Opened a secured credit card with US Bank and provided them XXXX dollars. On XX/XX/2023 they called and stated account was being closed due to underwriting. No warning was given, advised to over night/expediate my funds back. Waited 3 days, contacted US bank again, they stated the account was closed but the savings account that held the secured funds would not be closed until XX/XX/XXXX. I stated no you will get my money back to me as you closed my credit card and I want my funds. Agents hang up and on calling back they just hang up.