23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
CB/VICSCRT XXXX CB/VICSCRT XXXX
Product: Debt collection

Knight Adjustment Bureau is trying to collect a debt from me but has not provided additional information about the debt. 

I have never done business with KAB and not sure why they are trying to harass me about the debt. 

KAB failed to provide the following information about the debt : 1. The account number associated with the debt ( if any ) 2. An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date 3. The current amount of the debt when the notice is provided 4. Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong
Product: Debt collection

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from COMENITY BANK : 1. Validation of the Debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and Oklahoma Statues for Lawful Purposes.

3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account. 

I hereby give you XXXX ( XXXX ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within XXXX ( XXXX ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further. 
-You agree to pay all fee schedules. 

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section XXXX of the Protection from Harassment Act XXXX and the Administration of Justice Act XXXX S.40, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing XXXX, distress, or humiliation ; because of their frequency or manner. 

Best Regards, by : XXXX : XXXX XXXX XXXX, beneficiary XXXX Rights XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had gone to my financial institution to try to apply for a loan, when they pulled my credit report it showed that XXXX XXXX XXXX, who is actually the company that I am leasing my house through is reporting that I owe {$2000.00} per month on a trade lne. My rent is only {$1000.00} so I don't know why they reported {$2000.00} but the way that they are reporting it, it looks like I have owed {$2000.00} since I moved in and they are not reporting that I have paid anything, but infact, I have paid my rent early every single month. 
My financial institution said that because this is showing on my credit report this way, it puts my debt to income ratio incredibly high and that they will not be able to give me a loan with it showing this way. I contacted XXXX who agrees that this is incorrect but instead of callng the Credit bureaus to fix it, they sent me a lettter. My financial institution will not accept the letter and said thta until they remove it, it will affect my ability to secure a loan. I would like this fixed.
Product: Money transfer, virtual currency, or money service

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. XXXX XXXX XXXXXXXX : 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.
Product: Debt collection

I have been contacted constantly since XX/XX/ by Resurgent Debt Collectors attempting to collect on a balance of {$710.00} owed by someone named XXXX. I mailed in a request of Debt Verification since my name is not XXXX and I owe no debts in that amount or to that company. I have not received it yet as of XXXX XXXX and still get text messages and phone calls from XXXX
Product: Student loan

on XX/XX/2021. I applied for student debt consolidation from XXXX to Sofi. I was under the impression that I had XXXX days ( XX/XX/2021 ) to agree to the loan. Upon hearing that there may be talks to cancel student debt and refinance with XXXX instead, i asked Sofi to cancel my refinance. They told me " no '' that the deadline was XX/XX/2021. The loan documents that I received from Sofi repeatedly stated XX/XX/XXXX. When I contacted Sofi they told me i can ask XXXX to return the check and cancel the refinance. When I contacted XXXX, they told me they cant do anything. I feel like I was misled, any loan that I have applied for gives XXXX days for final approval. No one from Sofi reached out to me regarding the XXXX day deadline, while all the paperwork stated XX/XX/2021. I do not know how many other students are being misled. I would like my loan returned to XXXX XXXX XXXX XXXX XXXX XXXX  and cancel any consolidation with SoFi. Anyone reading this, keep your student loans with the XXXX XXXX XXXX and do not get misled by the private loan companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened multiple disputes with Experian against XXXX XXXX ( I already have a pending claim against them ). The most recent was on or around XX/XX/2022, XX/XX/XXXX, and XXXX of 2022. Experian has completed them within a very very short period of time. 48 hours or less. The most recent in less than 24 hrs. The most recent dispute had an attached Affidavit UNDER PENALTY AND PERJURY which requires a reply Affidavit UNDER PENALTY AND PERJURY from the disputed party. Experian has been sending results to me siding with XXXX XXXX each time without, I believe, looking into any of the information I have provided. When an Affidavit is attached to a dispute UNDER PENALTY AND PERJURY, you don't sneeze at that and just stick with the same result by siding with the disputed party. This requires deeper examination. I am willing to submit a SWORN TESTIMONY, make them swear too! I feel Experian is being biased in their determination of deciding to always keep the result the same. XXXX XXXX 's alleged debt being " valid ''. This is not correct. The debt is bogus and is not my responsibility. It never was as I stated in my claim against XXXX XXXX. They dropped the ball on billing my insurance in a timely manner and lost the opportunity to be paid. Now they want to hound me to recoup their losses during a pandemic no less. Experian is playing the role of Devil 's Advocate and allowing them to continue this madness. I believe Experian never looked at my supporting documentation. I just resubmitted the dispute again, with the Affidavit and it is already being looked at. If the results come back today or tomorrow, I will have proven my point. I think they are tired of me submitting, but I will not stop until this debt is removed from my report because I do not owe it. I have reached out to XXXX XXXX numerous times and asked them to send me a document, a wet-inked signature contract, a breakdown of this alleged debt, and how they believe I came to be responsible. To this day, I have never received anything, regardless of what they say. I have NEVER received that breakdown or document or contract. Just a random bill saying I owed {$2400.00} for medical services... Ridiculous. I want Experian investigated for negligence. Their integrity has been called into question by millions of Americans about the shady things they do when it comes to their credit scores and reports. They should not have this much power over so many people. Credit should not have this much power over people. It is disgusting. It destroys people. People take advantage. Experian is terrible and needs to be thoroughly investigated unannounced. Just show up and start auditing them. They have to be violating Federal Laws. This just can not be legal. I am sure you'll be surprised at what you'll find.
Product: Student loan

Hello, I'm writing this to complain about my loan service provider Edfinancial services. I called on XX/XX/2022 to submit refund request for my student loan payment. The representative told me verbally that request has been submitted however there was no written confirmation. EdFinancial is giving ranges months to a year while other service providers are processing within 4-6 weeks and sometimes within 2 weeks. The wait time is too long and unacceptable. 
As of XX/XX/2022, it looks like my loan balance has been adjusted on my account but my payments have not been refunded. 
I'd like my refund please. 

Thanks,
Product: Debt collection

I received a call from an unknown caller, " Location Services '' stating they were locating me in XXXX county to serve me papers but I needed to call the number XXXX and use case XXXX. I called this number gave the case number she would not go over the case and said that she was sending the XXXX  to come to my job and take me to court. She just needed my location. She said it was for a payday loan 2 years ago. 
Very nasty, making threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX told me that they do not verify that information.
Product: Credit reporting or other personal consumer reports

The account was opened fraudulently. The company has falsely verified information based on the email address and phone number when both sets of information, including my social security number, have been compromised for years and are on the dark web, according to Transunion. So my email address with the password, phone number, social security number, and possibly address are on the DARK WEB ; attached is proof. I have filed a police report and FTC report and obtained notification from Transunion verifying that others have received and used the information on the dark web. Even my bank account was compromised, and fortunately, my credit union addressed this appropriately, unlike XXXX, which continues to ignore the identity theft that was demonstrated and applies the consequences to the victim ( myself ) instead of removing the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear EQUIFAX, Please remove the following Employer from my report as it does not belong to me and is being reported in error : Wrong Employer : XXXX XXXX XXXX. I will wait for an updated copy of my credit FILE to reflect this change. Thank you in advance. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the THIRD CFBP complaint, as company has NOT taken proper steps to resolve my issue. History is below. 

On XX/XX/XXXX Synchrony pulled a credit report on my name / SSN but the credit enquiry was fradulent so I contacted Payplan/Syncrony the same date of the credit pull, to ask they remove it from my report. They told me it would be addressed in 7-10 days and acknoledged it was fraud. Case number with Paypal/Syncrony for that call is XXXX. I called in several times to follow up but speaking to someone who can help is close to impossible at this financia, institution, the system is made such that the consumer has to give up. 

On XX/XX/XXXX I submitted my first complaint to the CFBP, and someone from the Office of the President reached out to me on XX/XX/XXXX and told me I needed to wait 60 days from XX/XX/XXXX, which was date they removed it from XXXX reporting. The CFBP complaint ID is XXXX for that date. 

I wait. 

On XX/XX/XXXX as the issue is not resolved and multiple failed attempts to solve via email and phone with the Office of the president of Syncrony I file another complaint, XXXX. 

They responded with this info : On XX/XX/XXXX, we submitted an electronic request to the major credit bureaus to have the PayPal Credit inquiry dated XX/XX/XXXX, deleted from your credit bureau report. Previous requests were submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please allow up to 60 days for the credit bureau to update. 

More than 60 days have passed from XX/XX/XXXX, and again I contacted Syncrony via office of the President and I hear crickets. 

I have also a pending case with the FDIC as Syncrony is a member bank. 

I expect a swift resolution from Syncrony. Not a stock email telling me to wait another 60 days, because the chances that I wait another 60 days to have nothing solved is too high. Syncrony must resoilve the issue directly wit the credit reporting agencies and ensure that whatever is causing this not to be solved is ADDRESSED. 

I also had contacted the reporting agency, and they promtply replied in XXXX telling me that such disputes need to be solved with the financial institution. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Last Updated XXXX, 2025 Payment Status At least 120 days or more than four payments past due Worst Delinquency Repossession Balance {$14000.00} Credit Limit
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX credit report, and I noticed some Transactions posted on my credit report that is excluded by federal laws from my consumer reports : Fig Loans Texas LLC, Acct # : XXXX Your company is in violation of the FCRA and XXXX Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, you reported transactions from XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/Corporation making the report are not included on the consumer reports, yet you are reporting this information to my consumer reports! 

Furthermore, 15 USC 1666b ( a ) : ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 

RE : XXXXD FUNDING 3XXXX The credit bureaus stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
open / collection account Attached is a copy of my report with the inaccuracies circled in red. 


In accordance with the Fair Credit Reporting act XXXXt 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has correctly closed all 16 accounts with XXXX  XXXX XXXX since all of my student loans moved to XXXX in XXXX of 2022, but Equifax is incorrectly reporting the " reported balance '' with the amount of the loan instead of the " reported balance '' on all 16 closed accounts with {$0.00} balances as I do not owe XXXX  XXXX XXXX any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir/maam, I paid my XXXX XXXX XXXX XXXX credit card account ending in XXXX in full by settlement that XXXX XXXX XXXX XXXX offered me on XXXX XXXX XXXX. This account was opened in XXXX XXXX and last activity was XXXX XXXX. When I went to go by a home this year in XXXX I was shocked when my credit reported showed that XXXX XXXX XXXX XXXX Documented and wrote the debt off as a charge off ruining my credit for years without notifying me. Thus, I paid large amounts more money for all items that I purchased on credit like my family vehicles. This debt was never a charge off. I have requested twice that XXXX XXXX XXXX XXXX, Experian, XXXX, and XXXX update my credit report by removing/changing the following by certified mail to no avail : Change any/all charge off codes to their algorithm, the status to be paid only, change balance to {$0.00}, change terms {$0.00}, account was not closed by Grantor request it was closed by my request when they took my money without notification, remove all the late dates, Remove the {$3200.00} written off as did not happen, there should be NO status of any charge off on my credit report. I would willfully volunteer to testify against XXXX XXXX XXXX XXXX. 

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

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i.

In response to my dispute regarding the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer rep