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

I will like to flile a claim against Navient in the amount of {$59000.00} for a debt of student loans! I would like Navient to validate that these debts are mine XXXX XXXX XXXX, by providing me the original wet signature contract for all debts listed below! furthermore I would like to request a copy of Navients XXXX and validation of original loan amounts and dates to which these debts occurred, ( listed by account number below ) are attached to! If all of the documentations are not sent, I will like for Navient to reach out XXXX XXXX and XXXX and remove all debts from my reports. 

# XXXX {$9700.00} # XXXX {$4400.00} # XXXX {$4300.00} # XXXX {$8000.00} # XXXX {$4100.00} # XXXX {$4000.00} # XXXX {$1900.00} # XXXX {$1500.00} # XXXX {$7800.00} # XXXX {$1900.00} # XXXX {$1200.00} and any other debts you are wishing to collect on! please validate and stop reporting!
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported in those account to be removed. 

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

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


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


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

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

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

On XX/XX/2022 I sent letters to XXXX, XXXX and Experian credit bureaus regarding negative accounts reflecting on my credit report that aren't mine. I requested removal of the negative information impacting my credit. I haven't received a response from either three companies. I also demanded they update my only address to reflect the current address and they haven't done that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent Outsourcing is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If Convergent Outsourcing is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Subject : Disputing Information in Credit Report DiscoverBank credit account beginning with XXXX, is inaccurate because they listed the debt of {$920.00} as a Profit and Loss Write Off ; however, I did not receive a 1099-C from Discover. I am requesting that Discover Bank have the item removed, if they do not provide me with a 1099-C for the aforementioned debt. Without the 1099-C I can not claim the debt as income on my taxes. Furthermore the date of Last Activity is incorrect because I made my last payment on XXXX XXXX and it shows the last activity date is XXXX XXXX. Discover also sold my debt to XXXX XXXX XXXX but did not list that on the report.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 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: 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 for over a while for me and family, and I seek appropriate redress for these violations. Please and Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I took XXXX XXXX lease in XXXX XXXX. Since XXXX XXXX my account was set upfor Autopay and the payments were going through every month without fail. In XX/XX/XXXX for some technical reason not relatedto me, Autopay didn't go through for XXXX and XXXX of XXXX ( I later in XX/XX/XXXX learned from GM customer service that autopay was disabled by the GM due to a sales tax increase by the government resulted in an increase in my monthly payment ). I cleared late payments as soon as I was made aware of the issue in XX/XX/XXXX and re-enabled autopay. This was reported to the credit bureau and it is affecting my rating very badly even though I have been a loyal customer of GM and made all payments on time. I tried contacting GM customer care and they didn't help me with this. On XX/XX/XXXX I was transferred to the Credit Reporting department by the customer care team ( I might have gotten the name wrong ) and a lady spoke to me from that department, acknowledged my payments were set up for autopay and observed a similar issue ( of autopay not going through ) with other customers with autopay enabled for more than a year. She guided me to report the issue to the credit unions and she suggested attaching the autopay statement from GM whichwassent to me by her. For some reason, GM didn't acknowledge this issue on their end when XXXX and XXXX contacted them. As you clearly see auto pay not going through is not in my control. Yes, I could have realized this sooner but I was going through a XXXX situation for myself and my family around that time which kept me busy. In the month XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My whole family was going through a lot due to the XXXX XXXX  GM claims they tried calling me several times but I didn't see any voicemail evenif it is assumed I have missed their calls due to the XXXX situation I wasgoing through.Please help me with this. I tried explaining this to GM several times and they didn't show any empathy about XXXX situation I was going through and the fact that the autopay disablement was due to GM 's reason. I have attached additional evidence about the XXXX  and XXXX XXXX  along with the autopay-enabled email.
Product: Credit reporting, credit repair services, or other personal consumer reports

their are 5 inquires on my report that are fraudulent. the inquires for transition are, ( XXXX XXXX ), ( XXXX XXXX ) and ( XXXX XXXX  ) the inquires for XXXX are, ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under an open end consumer credit plan as late for 322 purpose.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under usc 1681. I told XXXX, XXXX and Equifax to reinvestigate these accounts name and number is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However ; they stated everything was complete and accurate but how is that possible if the open account dates, date of last activity and much more is incorrect, usc 1681 : ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 usc 1681 section 602 states I have the right to privacy,15 usc 1681 sec,604 a, Section 2 : it also state a comsumer agency can not furnished an account with out my written instructions. 15 usc 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has responible cause to believe that the information is inaccurate. I am not liable for this debt, with these account. I do not have a contract with these accounts, They did not provide me with the original contract as I requested.
Product: Mortgage

On Friday XX/XX/XXXX, we closed on a refinance with Freedom Mortgage. On Saturday XX/XX/XXXX, we received a check in the mail in the amount of {$3500.00}. I thought this was weird since there was no mention of this check in the closing of our refinance. I immediately called the closing department on XX/XX/XXXX at XXXX XXXX. I asked about the check amount and this check was explained to me per the letter attached, that it was a surplus, and it needed to be issued to me for payment. I was assured that I could cash this check and move forward with whatever I wanted to do with it. I cashed the check via mobile deposit with XXXX XXXX on XX/XX/XXXX. I did spend some of the money. On XX/XX/XXXX, I received a notification from my bank that the check was not honored. I called Freedom Mortgage immediately and explained the situation, I was put on hold for 3 hours! I hung up then I called back and was put on hold for another hour. I was told that this was a miss communication and that the money was needed to close the refinance and that the check was REVERSED without my knowledge or any from of communication. This left my account in a negative balance. I have a family of 5 and I have been asking my mother to borrow money for food, gas and bills. I have been without money because of this ridiculous mistake that I should not be punished for! I have been speaking to the escalation department to have at least {$1600.00} money returned to my account to bring it back to a positive balance. I have not received no answer as of today. I spoke to XXXX XXXX on XX/XX/2021 and was told that I would get a call back by XXXX, no call was returned. I called back today ( XX/XX/2021 ) I spoke to XXXX XXXX again and he has no answer for me as he has not heard from his upper management. He placed me on hold for 20 minutes before being transferred back to customer service. As we speak I'm still on hold to be transferred back to XXXX. This has been a grate frustration and this mistake is clearly theirs and they should be liable for this mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

more accounts that could not fit all onto the ftc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor 01 XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1100.00} High Balance {$1100.00} Remarks Placed for collection XX/XX/XXXX XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$200.00} High Balance {$200.00} XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2400.00} High Balance {$2400.00} Hippa violations XX/XX/XXXX Collection Agency XXXX Original Creditor 11 XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$270.00} High Balance {$270.00} Remarks Placed for collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenge the accuracy of my credit report and ask that you review your data to ensure that it is up-to-date and compliant with FCRA section 611 and Metro 2 reporting standards XXXX I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demand the permanent removal of any inaccuracies immediately. 

I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

See All attached documents for more details of my complaint.
Product: Credit card or prepaid card

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS SUICIDE VICTIMS.
Product: Money transfer, virtual currency, or money service

To whom it may concern, Please find attached official police report from XXXX XXXX 's, GA Sheriff Office, confirming my identity was stolen on XX/XX/2022. As confirmed by police, my identify was stolen and then used to add new recipients and make fraudulent payments with XXXX using my Chase checking account. 
Below is a summary of all unauthorized payments : XXXX unauthorized XXXX payment in amount of {XXXX} sent from Chase checking ( claim # XXXX ) XXXX XXXX {XXXX} ( {XXXX} total ) XXXX unauthorized payments sent from Chase checking account ( claim # XXXX )
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX me and my husband did a XXXX surrender of our XXXX XXXX XXXX XXXX. It was financed with XXXX XXXX XXXX. This was due to a loss of income. XXXX sold the vehicle and turned the account over to collections with XXXX XXXX XXXX XXXX We settled this collection on XXXX XXXX, XXXX. I sent a letter to the credit reporting agency with this information. I requested that the XXXX account reporting get up dated from charged-off to settled in the comments. They refused. I have been trying to have this corrected for two years, This is unacceptable. XXXX XXXX XXXX XXXX was removed but XXXX was not updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX   My employer is XXXX XXXX XXXX ( XXXX  ) I found addresses that do not belong to me on my credit report please remove the following:XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX   , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX  I have included my ID ans SS info for proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 7 separate dates XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I have disputed the erroneous XXXX tradeline on my Experian and XXXX report to no avail. Even though XXXX successfully removed the erroneous tradeline after 1 request, Experian and XXXX  have failed to do so. I have sent several requests to Experian and XXXX requesting a description of the method that they used to verify that the debt belongs to me. After more than 90 days, they still have failed to do so even though they claim to have verified that debt on more than 4 different occasions. My rights are being violated.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information.Together with the Fair Debt Collection Practices Act, by the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the XXXX Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX  are not complying with their own policies in a timely manner they are taking longer then 30 days to investigate.
Product: Debt collection

This company has continued harassing me for the past 5 years about some debt that is NOT mine!! They continue putting it on my credit report and is affecting my credit score. I dont owe L J Ross associates a XXXX XXXX. They need to delete this off my credit asap. I am giving them this last chance before I contact an attorney and sue them for all the pain and suffering they are putting me through along with attorney fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a letter asking for them to provide me with the method they used to verify an account on my report. My letter was mailed in XXXX and as of today I have yet to hear from them.