23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number:XXXX Account Name : XXXX XXXXXXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Validation of Debt Payment Dear XXXX, I am writing to formally confirm that my debt under account number XXXX with XXXX XXXX has been paid in full as of XXXX. The total amount paid was {$120.00}. 
Please provide written confirmation that this debt has been settled and that no further action is required on my part. I appreciate your attention to this matter. 
Enclosed are copies of the payment receipt and any relevant documents for your reference. 
Thank you for your assistance. 
Sincerely,
Product: Debt collection

please see attached, the complex had my info that I lost my XXXX job and need to moved because of the hardship
Product: Credit reporting or other personal consumer reports

My account has been closed since XX/XX/XXXX. The last payment made was XX/XX/XXXX. The company has reported recent missed payments for the month of XXXX and XXXX of this year ( XXXX ). After months of disputing and sending fax and mail and all the requested documents, the problem is still there. Ive spoken to over XXXX different supervisors and not XXXX of them are able to help me. They keep saying that the " back office '' is who handles credit reporting and the only way to contact them is through fax. Every month since XX/XX/XXXX, the " back office '' or First progress correspondence team has promised that id have to wait until the XXXX for this account to be removed from my credit profile.They are aware that there is no way that there can be no recent activity on an account that has been closed for XXXX. Its been 5 months that I've been waiting for the XXXX, and every time the XXXX passes I call and the supervisors have no idea what I'm talking about. They then proceed to " escalate '' the matter to the back office to which then they respond by saying I have to wait until the XXXX once again. The latest update has my credit report reflecting XXXX missed payments for XXXX and XX/XX/XXXX. So instead of erasing this account for inaccurate and incorrect reporting, they have made the late payments as recent as possible, causing my credit score to drop over XXXX points through no fault of my own. I am seeing first progress and I need them to delete this account because what they are doing is ILLEGAL.
Product: Student loan

MY account had been sold/transferred several times, without any notification, until a collection call would be placed. I would start making payments and then it would get sold again, but the payments i made were never applied because i was sending the money to the wrong company, and when i called the company I thought I was supposed to be paying it to, they magically have no record of receiving payments. I have been lied to repeatedly by Great Lakes, they have theatened to garnish my wages, take my tax returns, and other legal actions. i finally get into a plan i can afford, only to find out it doesnt even pay off my loan like they said it would, it just keeps paying them and never reducing the amount i owe, to the tune of {$13000.00} over the last 4 years. When I call, i get put on hold, or told they dont know whats happening, and they push me into another type of payment plan or forbearance. When i ask to speak to a manager, they never answer, or give me the run around. I cant get out of debt, and Im drowning in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of XXXX XXXX XXXX  to report items on the credit profile. If out of network required treatment, nothing presented or explained during the time of visit was ill during the time of treatments. Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Product: Credit reporting

I filed a dispute with Equifax because they are reporting my bankruptcy us XXXX bankruptcies under public records which has caused my credit score to drop significantly. I provided documents in their original dispute showing that my bankruptcy was discharged in XXXX 2015 and that I in fact only have XXXX bankruptcy I attached screenshots of how they reported it three weeks ago to now and also how XXXX is even reporting it just XXXX as that is the case I file bancruptcy once and it has been discharged once XXXX, not twice.
Product: Vehicle loan or lease

On XX/XX/2022 my balance was overdue and I asked for a deferral that would cover the months of XX/XX/2022 and XX/XX/2022 in which I explained financial hardship from during those times. I was told if I pay a deferral fee of {$200.00} then my application would be processed and balance back up to date. My regular monthly payment of {$690.00} would not be due until XX/XX/2022. 
Although I made several attempts to pay the deferral fee in which I've never heard of before my payment was being blocked via online portal. On XX/XX/2022 I called to enlighten the company that my payment was being blocked and I was told not to worry and just pay the {$690.00} due by the end of the month to remain current. So I made a payment arrangement that day to do so. On XX/XX/2022 my vehicle was repossessed approx. XXXX XXXX  and I could not locate my car for two days. Police had no reports of tows and the company said the system showed no repo. The police told me to report it stolen because by law a repo is to be reported within 4-6 hours. After calling again on XX/XX/2022 I was told they have the car and I only have 5 days to pay repo fees of {$550.00} plus personal property fees of {$1300.00} & owed balance to retrieve it before it is sold on the XXXX day ( XX/XX/2022 ). I asked to speak to someone else and I was told there was no one else available. I let the redemption specialist know my vehicle was taken before the due date and my payments were being blocked via portal on their website. She said too bad, you should find another way to pay us and hung up on me. No options were given and I was told if I try to retrieve my belongings I would be in legal trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - I realized there are two student loans on my account that I did not apply for with XXXX and filed a police report. 
XX/XX/2022 - Completed packet of papers to prove I did not apply for the student loans and returned to XXXX with proof of my identity. 
XX/XX/2022 - I have sent more proof during the last few months to prove my identity. XXXX has now changed the original person 's information that opened the loans from a different state to my information and refuse to remove the loans from my credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block inc. ) due to inadequate customer service and unfair practices. Which violate the consumer financial protection act ( CFPA ). specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account and information 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 cause significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have been an American Express Card Holder since XXXX. I have been a Platinum Member with {$750.00} Annual Fee for 2 cards for several years. 

On XX/XX/XXXX, I called American Express to ask that a {$4400.00} charge be moved to pay over time, because I needed to help family members who were impacted by unemployment related to the pandemic I stated this was a cash flow issue that I was experiencing in the short term since they needed the money immediately, so I needed to spread this payment out over time. 

The agent stated that my pay-over-time feature had been suspended. I was unaware of the suspension and the agent said they had sent out a notice the previous year. I did not remember seeing a notice. 

The agent was cordial and accommodating and stated that she had contacted the pay-over-time department and the feature would be activated on XX/XX/XXXX or XX/XX/XXXX and if it was not to call in and have an agent move the charge to pay-over-time. 

I called back to the company on XX/XX/XXXX ( my payment due date ) when I was not able to move the charge following the agent 's instructions. The new agent told me that the pay-over-time feature was not going to be reactivated and I asked to escalate the issue to a supervisor. The supervisor and I talked but the issue was never resolved. 

On XX/XX/XXXX I paid the delta of the {$960.00} delta between the {$4400.00} and my remaining balance. The supervisor never resolved the issue or called me back. The put my account into collections. Collections has called me over and over and over again the past 7 days and the account is not even 30 days past due. 

I spend 2 hours on the phone with them again on XX/XX/XXXX and they stated the initial agent made a mistake and they apologized, but they were unwilling to do anything to work with me on the issue and would continue to put me into collections and reflect negatively on my credit.
Product: Checking or savings account

My payroll direct deposit was supposed to be in my account on Thursday and it wasnt. I called and they had no information to provide and told me it was bank wide issue. And thats all. I had to find out from XXXX what was going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greeting 's I disputed the listed accounts and have ask the Original Creditors, third party Collection Agency as well as the 3 Major Credit Bureaus to investigate and Verify the information there company is reporting to no avail the incorrect information is still reporting on My Consumer Report, I'm asking tis information to please be removed. this companies are in violation of My Consumer rights.

15 U.S.C 1681 Section 604 A and 15 U.S.C. 1681 Section 602 A.
Product: Credit reporting or other personal consumer reports

Delete account. No knowledge of this account. Reported as identity theft XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was never delinquent this's my school loan please removed all late from this account please XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 38 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 120 days Status Updated XX/XX/XXXX Balance {$2000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$56.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, PA XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$1700.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting incorrect information and should be deleted according to the FCRA. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX showing past due balance of {$890.00}, this account was closed in XXXX and updated when I filed dispute. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX past due balance of {$870.00}, this account was closed in XXXX and updated when I filed dispute. 
XXXX. XXXX showing in XXXX XXXX bankruptcy, which is incorrect information, I disputed this account and it was still added to my credit report. 
( 9 years reporting on credit file ) XXXXXXXX XXXX XXXX Bankruptcy XXXX : ,Discharged Date Filed/Reported : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

what happened is my credit file has been misrepresented due the compromising of my identity being lost or stolen. In addition I was a victim of the XXXX  breach. I'm demanding that these accounts be removed and blocked from my credit file. 

1. XXXX XXXX XXXX {$120.00} 2. XXXX XXXX XXXX  {$320.00} 3. Dept of ED/ XXXX {$7700.00} 4. Dept of ED/ XXXX {$5700.00} 5. Dept of ED/ XXXX {$5100.00} 6. Dept of ED/ XXXX {$5000.00} 7. Dept of EDXXXX XXXX {$1600.00} 8..XXXX XXXX XXXX  9. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX AND EQUIFAX ARE REPORTING INACCURATE PERSONAL INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX t, XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I recently disputed inaccurate information that I noticed on my credit reports with the creditors and the credit bureaus. I sent documents showing I was involved in a data breach however they did nothing to remove this erroneous information. I asked for verification of these accounts and did not receive any further clarification.
Product: Credit reporting or other personal consumer reports

My account with 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 reputation, my character, my mode of living and to my family! 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. 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: Money transfer, virtual currency, or money service

I authorized a payment to one party, but somehow a second party was added to the payment. This second party was only known to me after I entered my authorized code. I am not sure how the second party was added. I only pressed the button for the first party. I only authorized a transfer to XXXX XXXX, not XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the continued presence of fraudulent items on my credit report. Despite submitting disputes and providing supporting documentation on multiple occasions, these fraudulent accounts persist, and my previous attempts have not resulted in their removal. I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention.

However, your agency has consistently failed to fulfill these legal obligations in handling my case. The ongoing presence of these fraudulent items on my credit report has caused significant distress and financial harm. It has adversely affected my credit score and has impeded my ability to access credit and financial services. I would be appreciate if you would help me conducts an immediate and thorough review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove the fraudulent items : 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: Debt collection

In accordance with the fair reporting act, this creditor has violated my rights. Under 15 U.S. C 1681 section 602 states I have rights to privacy. 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

My family and I have received threatening calls and messages about authorities come to arrest me at my job.
Product: Credit card or prepaid card

Hi I'm XXXX XXXX .My direct deposit from XXXX XXXX  supposed to be on my card today XX/XX/2018 but it's not here it's the next day now an the 48hr advance direct deposit have my bills late. I called my job and they told me that NetSpend haven't released nobody funds. Please fix this problem or I'm taking legal action against NetSpend and XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan on my credit report with XXXX XXXX XXXX XXXX, the account was opened in XX/XX/XXXX. The account is charged off, I experienced financial hardships and was unable to make payments, the vehicle was repossessed. The account number on my XXXX  credit report is displayed as account number XXXX. It has a balance of {$14000.00}. My issue is : Yes, I understand that the account was charged off. My issue is why is it charged off 40 TIMES!!!!! I understand what a charge off is. When a company is unable to collect on a debt owed, over a period of time the debt turns into bad debt and is written off for tax purposes once. ONCE. A charge off is a one time event financially. Why does XXXX XXXX XXXX XXXX get to turn around and damage my credit 40 times!!!!! 1 charge off on my credit report is bad enough. This has to stop. I understand that I was not able to fulfill my obligations and a debt is owed. I get that. The 40 charge offs is extreme and abusive. If, I wasn't being abused financially with these excessive charge offs, maybe I could qualify for a consolidation loan and be able to take care of debts like these. These kinds of actions make it MORE difficult for consumers to come up with some kind of solution to fix the problem. I know XXXX XXXX shouldn't be able to charge off a single account 40 times. They charged it off once. Please let my credit report reflect the truth so that I can go out and find a solution and resolve.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I was approved for a {$950.00} loan with this company " Big Picture '' and was never told that they were charging 800 % interest. They have been debiting my bank account in the amount of XXXX of the loan value every 2 weeks, since taking out the loan. When I spoke with a representative of the company today, to pay the remaining principle of the account off, I was told that I had not paid any principle on the loan thusfar, only interest. " I have paid over {$1900.00} to date on this loan and have not paid any interest '', I said and the representative proceeded to tell me that I may not pay off the loan, without paying an additional {$350.00} servicing fee. So let me get the straight, I have paid almost XXXX dollars on a {$950.00} loan and am left with the full {$950.00} balance plus an additional {$350.00} fee to pay the loan off? That is the definition of a predatory loan. I would like help resolving this issue, as I would never have taken out this loan had I known these issues would exist. Please help!
Product: Credit reporting or other personal consumer reports

According to my discussion with Equifax on XXXX, their agents Older and his Supervisor XXXX Id # XXXX told me that I was out of luck and they did not care that the account was past XXXX ( XXXX ) years, that they were going by the First Delinquency date and would not remove the item until XXXX when it would be XXXX ( XXXX ) years old. They suggested that I contact the XXXX XXXX XXXX XXXX to see if they would correct the First Delinquency date from XXXX as reported to XXXX which was the actual date of the first delinquency. 

I contacted XXXX XXXX  and spoke with XXXX agents, XXXX and her Supervisor XXXX, was informed that Equifax would need to correct date, informed them that Equifax told me that they would need to correct date. Bottom line got run around from both Equifax and XXXX XXXX. 

Would request that XXXX XXXX correct the " First Date Delinquency from XX/XX/XXXX to XX/XX/XXXX and that Equifax then correct my file and remove the negative item immediately.