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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to try to get a personal loan and these inquiries were on my reports and it will affect my outcome of getting the loan. the inquiries are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
THE XXXX 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

I have disputed this account several times. It keep coming back unchanged. This account was included in my XXXX filed on XX/XX/XXXX and DISCHARGED 0n XX/XX/XXXX. XXXX XXXX : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached for Transunion refusal to investigate a dispute I opened and they will not give me any results
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$300.00} REV {$0.00} {$0.00} {$0.00} 24 1 3 0 PAID CHGOFF XXXX/XXXX/XXXX Late Dates : LAST LATE DATE XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I have been a customer with SteinMart for several years. Recently, they issued a new " card '' which I did not realize had a different account number that my old account. I have financial software that I use to pay bills through my bank. When receiving bills in the mail, I have dutifully sent payment in full for each statement - unfortunately, to the old account number. The account is managed by XXXX XXXX in Georgia. When I began receiving threatening phone calls from people said to represent XXXX XXXX, I began to look into the problem and realized that the payments I had been making were not to the account number on the card. I provided documentation to XXXX XXXX that the debt was, in fact, paid. Just this week I received a check in the mail for over {$970.00} from them and a statement saying that there was a XXXX balance on the account. Nonetheless, the phone calls keep coming and today, I was threatened with being reported unless I provided {$25.00} by XX/XX/XXXX. I explained the above to the person on the phone ( receiving a check - which I have not yet cashed - and a statement showing XXXX balance ) but was told that did n't matter. I needed to come up with {$25.00} or else. I can easily afford to send them {$25.00}, but I feel like there is no coordination between the " debt collectors '' and others at XXXX XXXX who agree with me that I have paid my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted documentation to XXXX XXXX, Experian, XXXX and XXXX indicating that there is a bankruptcy listed on my credit report ( s ) for which is inaccurate. Ive contacted the court for which they have claimed to receive documentation from who denies any information pertaining to a bankruptcy under my name is accurate. This documentation was submitted to the credit bureaus and XXXX XXXX. Ive tried disputing the bankruptcy numerous times for which they have failed to remove it and now I shall take legal action.
Product: Debt collection

Heavy & Associates flagged my credit report in attempt to collect a debt. I never heard or worked with this company who is trying to collect this debt of XXXX dollars as of XX/XX/2022. I personally stay in the state of XXXX XXXX, this company is out of XXXX, XXXX. I know for a fact under the FCRA this company has broke more than one code. 15 USC 1692 C ( A ) 15 USC 1692 ( B ) 15 USC 1692 B ( 5 ). I will make a complaint with the BBB as well about this company.
Product: Debt collection

Reopen, dup of XXXX. Wrong code on 1099-C! Will not offer explanation! 1099 code should be A. I will keep submitting these complaints until they fix this! Like I will do this for years until they get this right!
Product: Vehicle loan or lease

this is an addition to complaint # 's XXXX & XXXX against Bank of the West in relation to my vehicle lease initiated XXXX and paid off XXXX. In my complaint XXXX I asked BOW to supply me a full accounting of my lease with them. They sent me a " Transaction History '' that shows no beginning balance, no running balance, and no ending balance. While further reviewing the " History '' I noticed that XXXX of my XXXX payments that I made to BOW in XXXX XXXX are not reflected on the History. 

On XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX I made a phone payment with a person at BOW in the amount of XXXX. Confirmation # XXXX. 

On XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX I made a XXXX XXXX  by phone in the amount of XXXX}. Confirmation # XXXX. 

On XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX I made a XXXX XXXX  by phone in the amount of {XXXX}. Confirmation # XXXX. 

The payments on XXXX & XXXX/XXXX/XXXX totaling XXXX  are not showing on the History. 

I demand immediate repayment of those funds to me as this lease has been paid in full based on the payoff package BOW sent to my financial institution. A payoff amount that obviously does n't include the XXXX  payment I made. 

This is really getting ridiculous. I have never in my life had a bank lose so much money is so short a period as BOW has. Imagine these losses in less than XXXX  months extrapolated across a full XXXX month lease. 

I am attaching BOW 's History and my bank statement showing all XXXX payments were paid by my financial institution well before the payoff amount was given to my financial institution in late XXXX XXXX. I feel this XXXX was not reflected in the payoff and the funds should be returned to me. 

I have contacted BOW twice about this and they just keep putting me off. I will not just give up on my XXXX
Product: Student loan

Navient : My 'Original Balance ' date shows on Navient 's site as XX/XX/2003 with a total balance then for two Direct Fed loans of {$71000.00}. Since then I've obtained one or more deferments but the navient site provides little to no info about what interest they charged me during those periods. It's Loan Balance section also does not show 'loan balance ' numbers after each payment is applied. Navient 's records show I've paid a total of approximately {$14000.00} toward my loan account since I've been serviced by Navient, but only about {$2400.00} of that has been applied to Principle while about {$11000.00} has been applied to Interest. I have also been making overpayments monthly for some time now and Navient appears to be applying overpayments also to Interest rather than to Principle. Its site shows my original balance with them was, as noted above, {$71000.00}, but that my current balance is today at {$70000.00}, after all these years and all payments made!!! My balance seems to be going up rather than down, and the interest charged in forebearance/deferments must have impacted this but I can't tell. How could I possibly have paid {$14000.00} or more toward the loans and only have a loan reduction net of only {$370.00} ( $ XXXX $ XXXX {$370.00} ) with a 4.750 fixed interest rate??? I can't keep affording payments toward loan balances that never go down and my payment plan is one set to actually be substantially INcreasing as years pass, not decreasing. If I stop paying, though, I will be penalized even further. 
Help! Thank you! XXXX XXXX XXXX XXXX , Colorado , age XXXX
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX has yet to respond to any of my letters regarding the legitimacy of the debt. With the accounts XXXX with a balance of {$2.00} And also account XXXX with a balance of {$470.00}. 
I'm not aware of who the company even is and how they got access to my credit report.
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 m, 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, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ALL THESE ADDRESSES I HAVE NEVER LIVED AT/DOES NOT BELONG TO ME : XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX SXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX # DW XXXX CA XXXX, XXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX AK XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX AK XXXX, XXXX XXXXT XXXX XXXX XXXX XXXX AK XXXX, XXXX XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX  XXXX AK XXXX XXXX ( AND ) PLEASE REMOVE ALL THESE NAMES THAT IS NOT MY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand what my rights are under the FCRA summary shown on XXXX, my rights have been breached with the accuracy, fairness, and privacy of information. I have never consented to this person towards anything related to my credit/or accounts.
Product: Debt collection

XX/XX/22 I am contacted 4-10 times a day with different numbers since this debt was reported on 5/22/22.Contacted Credit Management LP today XXXX resolve the reported debt. They informed me quote : '' Even if you pay the amount in full, we won't remove this from your credit. XXXX XXXX XXXX- who we represent, does not want us to remove the debt. Give your credit card number now so you can pay the amount in full. '' I've contacted XXXX XXXX XXXX, to ensure that when the amount is paid in full- they will remove my reported debt - to no avail : XXXX.
Product: Credit card or prepaid card

I applied for a First Progress credit card I deposited XXXX dollars but because I thought it didnt go through I did it again when I noticed I sent 2 amounts of XXXX dollars I called immediately to get my XXXX back they said I had to wait until it stopped pending which on XXXX the XXXX it was paid out of my bank I called customer service for my refund they said I needed to send a fax copy of my bank statement showing that the 2 amounts were sent and than they can refund me my money back. I called today and now theyre saying they didnt receive two payments even looking at the statement showing that they did. Im going to get a lawyer now because somebody stole my money and now theyre acting like they never received it. I just looked on the XXXX  website and they have done this in the past to other people.
Product: Debt collection

I received a letter from Credit Control , LLC stating that they are a debt collector and they are trying to collect a debt that I allegedly owe to XXXX XXXX XXXX and that they will use any information i give them to help collect the alleged debt. The letter goes on to say that I had an account from XXXX XXXX XXXX, XXXX. and I allegedly owed them XXXX. I am not sure how these companies got my information, because I did not give it to them. This is fraud and identity theft. I did not give these companies permissible purpose or any other authorization to have, use, buy or sell my personal information. I am being preyed upon by these organizations and it seems that when XXXX company tries to extort me and are unsuccessful they sale my information to another company and repeat the process. These companies have damaged my credit and defamed my character. I am a consumer and I do no not owe theses companies. I have a right to privacy and these companies have violated my rights.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
U S DEPT OF EDXXXXXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$4300.00}. 
U S DEPT OF ED/XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$7100.00}. 
COUNTY OF XXXX XXXX Family support with account # XXXX opened on XX/XX/XXXX and a balance of {$73000.00}. 
Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$8400.00}. The original creditor is XXXX XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, XXXX, and Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX  XXXX XXXX Account # XXXX CONTACT INFORMATION Phone : ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This account is reporting as a charge off and this account is not charged off and the credit agreed to remove it off my credit report. Please remove it off my credit report as this account is in error and does not belong to me XXXX XXXX XXXX Account # XXXX CONTACT INFORMATION XXXX. XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX This account states that I was 30 days late on XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report XXXX   XXXX/XXXX  Account # XXXX CONTACT INFORMATION XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX This account states that I was 30 days late on XX/XX/XXXX, and XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report XXXX XXXX XXXX Account # XXXX CONTACT INFORMATION XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX This account states that I was 30 days late onXX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am currently experiencing significant unease as I await your response within the next 30 days. I demand that you validate the accuracy of the disputed items on my credit report or remove them entirely. This is not a request but an expectation. I further require that you provide a physical copy of the steps taken to address these issues, along with my revised credit report, delivered via conventional mail. It has come to my attention that the information on my credit report may be grossly inaccurate. Therefore, I demand that you furnish precise, authenticated details for every item. Be warned : failing to do so will result in immediate legal action. 

Listed below are the Accounts that are being challenged : XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately XXXX XXXXXXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately
Product: Credit reporting or other personal consumer reports

The company has failed to annotate the dispute. I have requested method of verification and they did not provide that nor did they provide proof of consent on the contract. Beyond any reasonable doubt, they did not show that they were able to verify it, in person as the law states.
Product: Payday loan, title loan, or personal loan

I took out a line of credit with preffered credit ive been trying to work with XXXX XXXX the lead supervisor and I want to get a lower interest rate or a credit to be applied to my acc to reduce interest she has not replied to my phone calls XXXXXXXXXXXX
Product: Credit card or prepaid card

this complaint is against American Express for Fraudulent Late Payment reporting. Earlier this month i came into some extra money and chose to pay off my balance with American Express. I pulled my credit to make sure that it was reporting correctly and I notice that from XX/XX/XXXX to XXXX of XXXX they had reported me as paying late. This is inaccurate and false. Never did i pay on my account late. Never did I miss a payment. When I got sick in XXXX I entered this account into a debt management program and they took over my payments to make sure that AMEX got paid. I have a detailed record of all payments on this account and none of them were late. I even paid this account off in full and they want to try to ruin my credit by reporting me late. This complaint IS NOT against any of the credit bureaus but against AMEX as they are the ones that chose to report false information. When I called AMEX they said that they could not provide verifiable proof that the payments were late but could only tell me what their systems show. They are in violation of the FCRA as it states that all information being reported must be 100 % accurate, complete and verifiable and their attempt to report late payments can not be verified as accurate. They are also reporting still in the comments that this account was handled by a 3rd part debt management company and it is not. The account is paid off, closed and they actually owe me money. I will be taking AMEX to court and suing them under the right that they violated the Fair Billing Act and the FCRA and each fine is XXXX minimum if the judgement goes to me. I will be seeking reimbursement of all attorney fees as well. AMEX has a responsibility to report all information on time and accurately and they have not done so. REMOVE all late payments and REMOVE all comments that this account was being handled by a 3rd party company to pay the debt. If you refuse I will ask the CFPB to step in and investigate you and I will be suing you in a court of law to protect my rights and my credit worthiness.