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

I have made multiple efforts to reach out to XXXX XXXX for my XXXX XXXX XXXX about the status of their inconsistent reporting on MY Personal consumer report! I have attatched proof of almost all details on the account reporting to multiple credit agencies The last time I reached out I was advised thee account was charged off for the amount of {$720.00} and written off. However they are still requesting I pay them. They need to send me a 1099 for the write off.At this point that means the account balance is my income and income Should NOT be reported on my consumer report under my circumstances. I have also sent a complaint to the attorney general hoping to have this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in regards with the Credit Reporting Agencies incompetence and non-compliance with their job and the FCRA regulations. I was frustrated to see that the Credit Bureaus have been doing nothing to correct my Credit Report from erroneous reporting. I have been sending dispute letters to the Credit Bureaus from XX/XX/2022 to XX/XX/2022 requesting that the Credit Bureaus correct the information being reported on my Credit reports and yet they have not responded to my written requests. Is it that hard for the Credit Bureaus to update and correct the information from my Credit file? Every time I take a look at my Credit Report, it is clear that the information being presented are OUTDATED AND INCORRECT which caused misleading of information. For a long time already, the Credit Bureaus have failed to conduct a proper verification of the items and continued reporting! It is just absurd to think about it. The Credit Bureaus were provided by federal law to conduct proper investigation and respond to my letters within the time allotted in which they have failed to do. I am now submitting this complaint to request not the correction nor update but the COMPLETE REMOVAL OF THE DISPUTED ITEMS FROM MY CREDIT FILE : 1. XXXX XXXX XXXX XXXX XXXX, MO XXXX 2. XXXX XXXX XXXX, MO XXXX 3. XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} 4. XXXX  XXXX XXXX Balance Owed : {$490.00} 5. XXXX XXXX XXXX Balance Owed : {$10000.00}
Product: Debt collection

The collection agency, Portfolio Recovery Associates, has engaged in false and misleading practices violating FDCPA 807, and provided misleading forms violating FDCPA 812. 

Portfolio Recovery Associates are reporting 3 Accounts which have violated the FDCPA Account Number XXXX XXXX  XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my car was hit by another car. My vehice was totaled and the dealership XXXX XXXX received a check for XXXX. I was told by the dealership in XX/XX/XXXX I still had a balance of XXXX. I recieved a 1099 C with event code of G. On my transunion credit report it shows 2 separete reports one for XXXX that is open and XXXX reported as closed. I have contacted both XXXX as to why there are two reports they say go to transunion, which says only that the report is correct with no explanation or report of any investigation. The car was XXXX when purchased in XX/XX/XXXX with payments of XXXX per month. I don't understand how the balance is the same as the report that was closed and the open report is close to the amount the insurance paid. When I pressed XXXX for answers they claim that the amount on the 1099 cancellation of debt is taxes owed on the car. This seems a little suspicious as I have never gotten any bills or calls from XXXX since XXXX when the car was declared totaled. I just want to understand 1. why they reported to the credit agency two amounts that are similar to the cancellation of debt and the amount they were reimbursed by the insurance company. 2 why the credit agency transunion can not explain why there are two credit reports. I have been unemployed ever since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a solar panel loan through a company called XXXX XXXX. They use a finance company called Solar Mosaic LLC and an installing company called XXXX XXXX. The loan I thought was never to be opened until the end of the project. Turns out a partial payment was included in the contract that I must have missed. There was {$17000.00} released to the installing company. The loan is now open and on mine and my daughter 's ( XXXX XXXX XXXX ) credit reports. We were supposed to get a loan certificate according to what I have recently read that we never got stating amount of this loan and when it started. We only found out about this released loan when we did an annual credit check. We have spoken to XXXX XXXX and they state they can not close the lone until I pay for a Smart Home system that they supposedly paid {$3000.00} for in my name for use later with the panels. This system if I ordered it online from XXXX the company that provided it, would cost {$790.00} at most. Mosaic has been told this however, they state if XXXX XXXX does not contact them and agree to close this loan it is a true and accurate loan. XXXX has not completed the panels at all, instead we had delay after delay that was never explained and therefore my sales Represenitive stated we should change installers and canceled with XXXX. Again no one is canceling the loan, and I have no solar panels on my roof. I need help please, someone got money for no work and a loan sits open on my credit. I also see that this contract is so confusing that I did not realize I would be paying $ XXXX for the solar panels which I think is truly an outrageous cost. I believe I have been take advantage of due to being XXXX and having difficulty understanding this contract at the time. It took me quite a bit of time and my daughter reading the contract to me aloud to realize what I have gotten myself into. This process was started XX/XX/XXXX and the loan became active XX/XX/XXXX but it took till XX/XX/XXXX to realize this loan was on my credit. I do not know what to do at this time and mine and my daughter 's credit reports are taking a huge hit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This should be rectified by : Equifax should be required to monitor my account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. If there is fraud due to this misuse of my report, Equifax should be responsible for correcting the fraud as well as responsible for any associated costs. 

Additionally, Credit freezing should be free. Requiring a police report is absurd when they clearly know if you were affected.
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 Customer 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 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: Money transfer, virtual currency, or money service

XX/XX/XXXX : I received a fraudulent XXXX from Block, Inc. XXXX Square Inc. The form shows payments received in my former name, in the amount of {$6200.00} in XX/XX/XXXX. I am not an independent contractor and I do not have an account with Cash App or XXXX under my former name. 

XX/XX/XXXX : I contacted Cash App. They informed me that they can not release information, that I need to file a report with local law enforcement, and then they would work with law enforcement directly. 

XX/XX/XXXX : I contacted XXXX and was directed to email the form to them and they would open an investigation and get back to me within XXXX days. 

XX/XX/XXXX : I contacted local law enforcement. An officer came out, took my statement, emailed me an identity theft packet, and gave me a case number. 

XX/XX/XXXX : I called XXXX again and they told me to call back in XXXX  days. 

XX/XX/XXXX : I called XXXX again and they could not find my complaint. Per their request, I emailed the XXXX to them again and received a case number in case I wanted to call back. They said they would investigate and get back to me. They emailed me XXXX XXXX hours later telling me to contact Cash App. 

XX/XX/XXXX : I called Cash App again. They gave me a case number, told me they could not help me directly, and told me to contact local law enforcement. 

XX/XX/XXXX : Filed a report with IdentityTheft.gov XX/XX/XXXX : Requested PIN from the IRS to protect my tax data.
Product: Credit card

American Express is illegibly billing me for several transactions for which I have not engaged or authorized. I have provided them with both online and direct written notice sent via mail timely regarding this. However, American Express believes they are above the law and seem to believe they know better. They have now twice ignored my notices and informed me that they believe the transactions are valid when in fact they are not valid and i have never engaged in these charges. American Express should be investigated for their unlawful practices and for making me waste my time for no dam reason. Under regulation XXXX & Z they have no right to harm me and thereby also harming their own company including its investors which includes myself. They apparently have some ill trained personal with very bad and poor practices. please see my detailed letters attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$3400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX responded saying the XXXX 's XXXX them this was an fraudulent account. They never contacted me to verify anything, but continued to take my payments until the account was paid off and sent me the title for the car. if they believe this to be a fraudulent account why not close the account but still took payments and sent me the title to the the account. XXXX has also financed me for a new loan with the same information for the previous loan that they are refusing to report. This has caused me to be denied credit and or have to pay a higher down payment with a higher interest rate. I am aking you to step in and have them report this correctly.
Product: Debt collection

I called American Financing to settle my debt which is {$690.00} and some change, I asked them can we do settlement of at least {$300.00} which they said they would call me back. They didnt call me back or the next day. They emailed back saying they can do 56 % off of my debt which they said I would have to pay {$350.00} and some change, but when I calculated the 56 % for the debt I got {$270.00} and some change I believe. So I called them today and tried to tell them about the problem and he told me know thats what it is and so I asked to speak with a supervisor and he came back and told me he was on the other line and he told me that my supervisor will tell you the same thing. I dont really care to much about paying the {$350.00} but I just dont want people being ripped off like that when trying to settle a debt at a percentage. With my other debt they did the same and when I collected it, it was the right amount I would pay them with the percentage they gave me.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation and reinvestigation. The inaccuracies are highly injurious to my credit score In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, They failed to provide any information an the names and business addresses of each individual with whom they verified the above. They failed to protect my consumer rights. 
Account Name XXXX XXXX XXXX Account number XXXX Late payment reported on ( XXXX XXXX ). Please update the account as Paid Current. 
The late payments were reported during the COVID pandemic and congress passed a law on XX/XX/XXXX stating creditors should not report any late payments. The law says the following. 
The Coronavirus Aid, Relief, and Economic Security ( CHChCh ) Act, passed by congress and signed into law on XX/XX/XXXX, contains a provision explicitly addressing the FCRA, Section 4021 of the Cares Act amends Section 623 ( a/ ( 1 ) of the FCRA ( 15 USC 1681 s-2 ( a ) ( 1 ) ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent,, but should continue reporting it as current, unless the account was delinquent before the COVID-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX and do not apply to charged-off accounts Please remove the late payments on XX/XX/XXXX as it's a direct violation of the Coronavirus Aid, Relief, and Economic Security Act.
Product: Student loan

My loans were transferred from XXXX to Mohela. When payments were reinstated Mohela pulled a payment of over {$900.00} from my account I had on file. I set up auto pay with the understanding {$200.00} would be my payment. My total balance is {$9600.00}. I was charge 10 % for my first payment. Once I spend hours and provided personal information and waited over a month, they decided my payment should be {$210.00}. So I agreed to that. Auto pay was set up. No payment was pulled in XXXX XXXX, I was marked as over due. When I called, waited over 50 minutes for a rep, I was told the payment was pending ( from XX/XX/XXXX, I called XX/XX/XXXX ) I disagreed and pressed for more details. The rep then said the auto debit amount was updated on XXXX  and that takes 1-2 billing cycles to update. I asked where to find that on the website, and no answer was given. 
The lack of knowledge, information, transparency of this company is unacceptable. I have had Student loans for 8 years, never a single problem until Mohela. And I am unaware of any other option I have.
Product: Debt collection

On XXXX XX/XX/XXXX of XXXX my bank account was frozen and I was not able to access my funds and could not pay my mortgage, utility bills, or buy groceries for my child. My bank informed me to contact XXXX and XXXX because they had put a freeze on my account via court order. After desperation and in order to be able to access the money that I had saved up, on XX/XX/XXXX, {$9400.00} was taken from my account. 

Your correspondence stated the following details : XXXX XX/XX/XXXX, your above-referenced account number charged-off due to non-payment with a balance of {$6300.00}. On XX/XX/XXXX, your account was placed with XXXX XXXX XXXX, XXXX. for collection efforts on our behalf. On XX/XX/XXXX, a suit was filed in the XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Texas, and service for the suit was perfected on XX/XX/XXXX. On XX/XX/XXXX, judgment was awarded in the total amount of {$6600.00} with a XXXX XXXX post-judgment interest rate, and this total included the {$6300.00} charge-off balance of the account and court cost of {$380.00}. Please note, there was additional post-judgment interest in the amount of {$860.00} that was added to the judgment balance of {$6600.00}, for a total balance owed of {$7500.00}. On XX/XX/XXXX, a payment was received from you in the amount {$7500.00}, and this payment paid the balance owed in full. ****** This amount of {$7500.00} ( which includes all of the post judgment fees AND court fees as you stated in your detail correspondence ) does not reflect the amount that was actually taken out of my account for {$9400.00}. I have included my XXXX bank statement to show the amount that was taken out of my account on XX/XX/XXXX. There is absolutely no correspondence that reflects this amount and I have been robbed of my hard earned savings. Please send me a check for {$1900.00} because my money was stolen. 

And why would you all add a post-judgement interest if the consumer already showed hardship. That is absurd. It would be great to receive some compassion and not charge a post-judgment interest.
Product: Vehicle loan or lease

Hey, Im sending this as a good will letter. I would like for the car loan to be removed from my credit reporting. The car is paid in full and have been paid for several years now due to my car being totaled out. Im asking for good faith on this request in hopes that my request can be granted. Yes, due to mishaps it took awhile to pay the balance leftover after the insurance paid the portion from the policy. Thanks you for consideration. It shows bad reporting and to be truthful, I never had an issue with my payments being 30 days behind when I was making payments on my car, but of course when having to purchase another car after my car was totaled- it was hard to make payments to both companies ( car loans ). Just asking for Grace
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX XXXX is currently reporting late payments to the credit reporting agencies. In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I sent a request for full validation of debt and Midland Credit Management via certified/return mail on XXXX and Midland on XX/XX/XXXX in response sent quite a list documents attempting to validate but only provided partial validation. In addition, on the cover page, the Midland provided contradictory information related to the balance owed on this account. In one section of the cover letter they state the 'Total due ' is {$2600.00} and just a few lines below that statement, on the same page of the document, Midland states the delinquent outstanding balance is {$5200.00}. I made a payment on this account in fear of being sued as Midland filed legal papers for in a XXXX XXXX court in an attempt to collect on this debt. 

I live in XXXX  and have since XXXX and was unable to appear so I made a payment on this account in fear of being sued. I am disputing the amount owed on this account and have requested full validation of the debt. Midland has only provided a partial validation as they have not provided a complete payment history, the requirement of which has been established by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As such, they have not provided verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. 

Midland XXXX XXXX have violated my rights under FDCPA Section 809 ( b ), as they are not allowed to pursue collection activity until this debt is validated. They should be aware that in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity.