23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and register a complaint regarding several inaccuracies on my credit report, including multiple late openings, late closures, and charge-offs, which have unfairly impacted my credit history. I have attached a copy of my credit report highlighting the disputed entries for your reference. I have identified several accounts that have been inaccurately reported on my credit report, specifically in regard to their opening and closing dates, as well as the status of charge-offs. These discrepancies are causing significant harm to my creditworthiness and have made it difficult for me to secure favorable financial terms and opportunities. 

I want to emphasize that I have diligently managed my finances and have not allowed any accounts to remain unpaid to the point of charge-off. These inaccuracies are unjustly tarnishing my credit history and do not reflect my responsible financial behavior. 

I kindly request that you initiate a thorough investigation into these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I request that you : 1. Verify and correct the opening and closing dates of the accounts in question, ensuring that they accurately reflect my financial history. 
2. Review and rectify the status of charge-offs, removing any accounts that have been inaccurately reported as charge-offs if they are not legitimate. 
I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to rectify these inaccuracies. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. The following late open, late closed and charge off accounts should be corrected or removed by the credit bureaus : DEPTEDXXXX XXXX XXXX XXXX : {$23000.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 
DEPTEDXXXX XXXX XXXX XXXX : {$19000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX : {$2400.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
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 proces XXXX unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Both my BofA and XXXX credit card numbers were stolen on Wednesday XX/XX/2011. On Monday XX/XX/XXXX approximately ten fraudulent charges hit my BofA credit card and two hit my XXXX credit card. All were online purchases to XXXX, XXXX XXXX , XXXX, and XXXX XXXX . All told, approximately $ XXXX was charged to both cards. 

On XX/XX/XXXX we had movers with XXXX XXXX XXXX XXXX XXXX collect our household goods for a move to XXXX. I used both cards to pay the $ XXXX moving fees. The driver did not have the capability to swipe my cards and had us write my credit card information on the invoice. He also took front and back cell phone pictures of both cards. He said it was procedure. I was not comfortable with this, but by that point the deed was done. 

On the XX/XX/XXXX BofA alerted me to a series of unauthorized charges. I had a suspicion it was from someone with the moving company, though I was not sure. Shortly thereafter XXXX alerted me to unauthorized charges. Though I can not *prove* it was someone at the moving company, it is the only entity that obtained both of my credit cards. As charges occurred simultaneously, this is the only thing that makes sense. 

I contacted XXXX XXXX with Quality Control, XXXX XXXX XXXX XXXX XXXX. She took the relevant information and started an internal investigation. I do not know the status of her investigation. She is at ( XXXX ) XXXX, XXXX. 

XXXX resolved all of the fraudulent charges. BofA resolved all of the non-Lowes charges including {$3000.00} to XXXX XXXX and {$71.00} to XXXX XXXX, but denied a charge for {$1700.00} and {$210.00} made to XXXX online, stating that " based on your account history, this charge is consistent with previous charges with this merchant. '' On Saturday XX/XX/XXXX I made a POS purchase from my local XXXX XXXX in the amount of {$42.00}. Because this was a Saturday the bank did not process the charge until Monday XX/XX/XXXX, the day the other fraudulent charges occurred. Because of this -- and despite me clearly instructing the bank not to do so -- the bank lumped this legitimate POS charge into my fraud claim, then denied the entire claim based on this one, legitimate purchase. I have asked the bank to review the claim again without the legitimate POS charge but again, based on this one charge, denied the entire claim.
Product: Debt collection

XXXX XXXX XXXX place a collection on my credit report I don't owe or know who XXXX credit is
Product: Student loan

In XXXX my parents signed me up for a loan with XXXX XXXX. A few years later when I joined the military I was told that my loan was in deferment and would not be gaining interest. I was never contacted about a change in ownership or a change in the terms of my loan. Specifically the interest charges. A few months ago I received a letter from Navient that was sent to my parents house. After calling Navient I discovered that that my loan was up to {$23000.00} ( {$8000.00} of that is interest ). I requested a copy of my contract and received a contract with only my information, and my references. No information about the loan or terms that I agreed to. After trying to determine a solution with Navient I was offered a payment option that would increase my interest to another {$8000.00}. All for a loan that cost {$15000.00} originally. I am still currently 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 XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX  XXXX account # XXXX account # XXXX account # XXXX have been violating my consumer protected rights. 

15 U.S.C 1681 section 602 A. States that I also have a right to my own privacy.

15 U.S.C 1681 section 604 A / Section 2, also stats that a consumer reporting company connot furnish my account without my wirtten consent.
Product: Student loan

I hope this message finds you well. My name is XXXX XXXX, and I am writing to request a thorough review of my account regarding the Naivent settlement. I firmly believe that I qualified for the settlement, and I would like to provide additional information to support my claim.

I understand that the settlement process has been ongoing, and I appreciate the efforts put forth by your team in handling these matters. However, after reviewing my account details and the criteria for eligibility, I am convinced that there might have been an oversight or misunderstanding during the initial evaluation of my case.

To facilitate the review, I would like to outline the key points that support my eligibility for the Naivent settlement : Upon review of my account, they specifically requested that I take a Forbearance numerous times which I believe I qualified for the settlement, such as meeting the specified eligibility requirements or experiencing the specified circumstances, I've also attached the account history for the life of the loan. 

If applicable, I will provide any additional relevant documentation or evidence that supports my claim. 

I assure you that I have thoroughly reviewed the settlement terms and conditions, and I believe that my situation aligns with the specified criteria. It is essential to me that my claim is given a fair and comprehensive evaluation. 

I kindly request your prompt attention to this matter. If there is any additional information needed or if you require clarification on any aspect of my claim, I am more than willing to provide it promptly. 

Please acknowledge the receipt of this message. 

Thank you for your understanding and for giving my request the attention it deserves. I eagerly await your response and a resolution to this matter.
Product: Mortgage

This information is for the XXXX XXXX XXXX XXXX. As you can see the title from XXXX county court shows that there are 2 joint tenancys. XXXX XXXX XXXX, and XXXX XXXX XXXX.If the XXXX XXXX XXXX would read the information provided out of a Colorado Law Book there is no probate and they have done no favors due to the fact that XXXX & XXXX are the owners XXXX  is not a third party. Maybe the XXXX XXXX XXXX should talk to an intelligent attorney that understands the law. There can also be a Chapter XXXX Bankruptcy filed and asking for damages with the Judge since the people at Bayview are complete idiots. Read the Law and see that there is nothing that needs to be probated and since you have been held in Contempt in Bankruptcy before this should not be a problem. These People can not say yeah we made a mistake they would rather lose millions of dollars and I am just waiting for the XXXX XXXX XXXX to send another stupid letter. Looking forward to meeting her in Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report wrong information to my credit report even after you seen them proof of the false information is not reported correctly. THEY DO NOT CONTACT XXXXXXXX XXXX DIRECTLY TO VERIFY THE INFORMATION THEY USE A DATA BASE SYSTEM THAT'S NOT UPDATED. They will not update your credit score as you pay off a credit card to bring down your debt to ratio. They are reporting that I did not pay off my two XXXX XXXX XXXX XXXX credit cards. They also showing other credit cards not paid off and they have been the information XXXX is reporting is not correct. 
XXXX is a damaged credit by keep my credit score lower than it should be because they don't want to update my record until 30 days, and they do not contract the creditors.
Product: Debt collection

I CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/year>. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX XXXX SOLD TO TRANSWORLD SYSTEMS INC. THIS ACCOUNT IS FRAUD AND NOT VALID. I HAVE NEVER DID ANY BUSINESS OR APPLIED FOR ANYTHING WITH XXXX XXXX IN MY LIFE. IVE ASKED THIS COMPANY TRANSWORLD TO PROVIDE ME WITH A ORIGINAL CONTRACT WITH MY SIGNATURE WITH XXXX XXXX, NO RESPONSE. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bought a car from XXXX XXXX XXXX XX/XX/XXXX. Paid on the car for a year and it had serious mechanical issues so traded the car in at XXXX XXXX for loan with XXXX. XXXX has pulled hard inquires on my credit every 3-6 months since I 've traded the car. And recent found that the published my full ssn address dob and other personal docs on a public site where anyone can search and just look up my information. They pulled my credit again XX/XX/XXXX. Not sure why this company is still pulling my credit and reporting incorrectly on a traded car. I 've made calls and get the run around or say someone will call back no one calls back. So I 'm unable to find out what 's going on with this company. Never reported one payment I made and new dealership should of closed the loan. If not where is the car and why does it still show I owe over the balance of the original loan with them. Can provide web search where it has company letter head my personal information on request. Also able to provide credit reporting on request.
Product: Debt collection

On XX/XX/XXXX a debt collection of {$730.00} was reported by Amerifinancial Solutions. The debt is medical ( figured out by researching original creditor ) from XX/XX/XXXX. I had no recollection of ever being in the hospital during this time so I was pretty confident this was incorrect. I called AFS ( ( XXXX ) XXXX ) and they confirmed the debt was under a womans name. My last name and her last name happened to be the same, but I did not know this other person. After what I thought was enough proof to fix the issue.. I was told that the false reporting would be taken off my report in two weeks and to call back then for an update. So I waited two weeks and called back. I was advised that they were unable to find any information on the woman so they could not get the debt off of my report. Im not really sure what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX XXXX To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & amp ; 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
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 In addition, Delete all non-account holding inquiries over 30 days old.Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for verification of late payments for the months listed on my credit report and nothing has been sent to me. It has been several months since I began the disputing process against FedLoan and nothing has been sent to prove that I was late or near forbearance. My account has not been updated and they are also reporting incorrect information across all three bureaus such as Last Active Date and monthly payment amounts which have altered my SOL dates. I have not attended school since the end of the fiscal year of XXXX, yet my last active date shows that it was in XXXX ; re-aging my entire account.
Product: Debt collection

Bread Financial called over 12 times in a period of 4 days extremely excessive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX ( via XXXX XXXX ) was added onto my credit report without my knowledge in XX/XX/2018. I contacted Equifax via certified mailed receipts. After investigating, I was told that this account was verified and to contact XXXX XXXX. I have no knowledge of this account nor XXXX XXXX. I contacted XXXX XXXX via certified mailed receipts as well and havent received any paperwork or information regarding this account. Per the Fair Credit Reporting Act, credit bureaus are to provide me with information and physical verification, which I havent received, in order to investigate further. To date, this account is still on my credit report and I have not been provided any information nor has this account been properly further investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

i reached out to the credit bureaus to verify everything on my report and they state everything was accurate. and I also did a thorough research myself and found improper accuracies on my reports even after they verified. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX has violate my rights.

15 U.S.C 1681 section 602A. 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 written instructions.

Documents attached have proof that the accounts open dates, balances, limits, last reported dates, comments, last day active, and date of last payment are all inaccurate on all bureaus. they all say different things. also 3 inquiries arent mine XXXX, XXXX, XXXX XXXX.
Product: Debt collection

Dear Representative, I am in a situation that is very complex. A creditor ( XXXX XXXX XXXX  ) sold my debt off to a debt collector/agency who has never contacted me about it. I lost track of the debt, as I had moved several times and had a tough time with job loss and financial difficulty in XXXX. As a result of my effort to clean up my credit reports, I found out that the debt still exists and has been reported as " sold to another office/agency '', balance 'charged off '. 

There were never any attempts by the debt agency, JTM Capital Management LLC, to collect the balance they bought from XXXX XXXX XXXX. The debt amount was last reported as {$550.00}. I have yet to receive any sort of correspondence validating this. 

I have no way of getting in contact with this JTM Capital Management LLC. They have been flagged as having a history of too many complaints by the XXXX ( https : XXXX ) and none of their phone numbers given to me by XXXX XXXX XXXX are active : XXXX, XXXX. 

I've spent hours on the phone with XXXX XXXX XXXX, the original creditor to rectify the situation and I've asked them many times for help. The only response they give me is to contact the debt agency and let the credit reports know by submitting disputes. I've done all of this and noone is able to help me remove this debt from my report. I am willing to pay this debt but there's noone I can pay it to. 

I've submitted two disputes to XXXX. XXXX reached out to XXXX XXXX XXXX concerning the dispute and the bank keeps telling them the debt is legit, yet they have no way of getting me in touch with the Debt agency that has this debt!!! 

I am very disturbed and very concerned about the behavior and function of XXXX XXXX XXXX XXXX credit card department as well as XXXX 's inability to rectify or help with this situation. I have no other place to go and hope you can help me. All I am trying to do is get a hold of the JTM Capital Management LLC debt agency who has my XXXX XXXX XXXX debt so I can pay it off and remove it from my reports! 

I have also reported this as a complaint to the State of Missouri 's Attorney General 's office. This is where XXXX XXXX XXXXi is head quartered. See attached letters. 

Please please help me! 

XXXX XXXX
Product: Checking or savings account

I filed a dispute for my apartment complex because they sued me stating I didnt pay rent for 5 months. I opened the dispute with my bank and they kept denying it even tho I had clear cut evidence I should have won. I want my dispute approved and my funds or I will take legal action with this bank. Attached are court documents and my lease stating I moved in XXXX and moved out in XXXX. The total amount my rent was $ XXXX {$7200.00} plus late fees {$150.00} and attorney fees of XXXX and you will see that in a court document. XXXX, XXXX, XXXX, XXXX, XXXX ( 5 months ).. I have XXXX payments on there for XXXX and XXXX in which I am disputing that keeps getting denied but here is clear cut proof they said I did not pay and I was ordered to pay a total mount of $ XXXX $ XXXX {$7800.00} ( {$100.00} for court cost and the. {$7700.00} is 5 months of rent $ XXXX $ XXXX $ XXXX XXXX as you can see on the documents the date the court sealed it was XX/XX/year> I want my money and attached will be my profile so you can see my dispute. I would like money back It clearly states in the court documents that the merchant said they never received the funds but it came out my account