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

XXXX and Experian have not resolved my dispute issues. They are still reporting multiple inaccurate collections and accounts. XXXX has not added my current XXXX XXXX accounts that they removed inaccurately. I had 3 credit accounts with XXXX XXXX that XXXX removed on purpose to mess up my credit. I have called to rectify this issue and the agent was impossible to work with. He would not answer any of my questions and refused to assist me. This issue has still not been resolved. They removed accounts in good standing and left an account that was inaccurate from XXXX XXXX on my credit. They also left several accounts from XXXX XXXX  on my account that were inaccurate. Experian and XXXX are both reporting the number of collections and amounts inaccurately. Neither have done investigations to properly verify and validate the accuracy of these accounts. XXXX is the only credit report that is currently reporting accurately. They found these XXXX accounts to be inaccurate and have removed them from my reports. Experian and XXXX, please be advised that each inaccuracy will cost you up to {$1000.00} per inaccuracy. If this is not fixed immediately, I expect to hire counsel and collect on these amounts from the both of you. XXXX is accurate, Experian and XXXX are not reporting accurately and they are not conducting investigations of disputes properly, because if they were, these collections would have been removed like they were with XXXX, and XXXX would have never removed my three positive good standing accounts with XXXX XXXX.
Product: Student loan

I submitted a complaint not that long ago because Ive been having issues with making payments on my loans via Sallie Mae. Whomever I talked to on the phone last said just to pay whatever amount I could and I would receive a phone call from the company. My mother who is my co-signer received a letter saying I was last due and I only received an email stating the same thing. They will not work with me and this needs to stop.
Product: Debt collection

SYNERGETIC COMMUNICATIONS is a debt collector who is trying to collect a disputed debt that XXXX XXXX and ir says is mine. They are trying to bill me for repairs to an air conditioning system that is 1. Under Warranty and 2. Has faulty XXXX parts that they chose to install. We are disputing the validity of this debt and demanding that our credit rating be corrected. FURTHERMORE, SYNERGETIC COMMUNICATIONS has negatively affected our credit rating without any written or telephone communications to try to collect.
Product: Credit reporting or other personal consumer reports

This will make the 3rd time asking Transunion XXXX and XXXX to remove this fraudulent items from my report. I never had any account with the following leanders 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX several times to resolve this issue. For some reasons unknown to me I have 2 accounts with XXXX XXXX. I want them to show proof that I signed for these 2 accounts. This is ruining my credit report. I want them to show proof with documentation that I have 2 accounts or remove this fraudulent information from my trade line. I have also disputed this with Equifax and no one has sent me any proof that these 2 accounts belong to me. They both are the same amount at the same time. PLEASE PROVIDE PROOF THAT THESE 2 ME. I have attached a screen shoot of the 2 accounts that is showing on my credit report.
Product: Debt collection

Since XX/XX/2020 I've written to LVNV Funding requesting debt validation on alleged account # XXXX, and have had no response and it is still being reported. Other requests were mailed on XXXX, XX/XX/XXXX, and XX/XX/XXXX. How could the matter be resolved when I have NEVER received debt validation from LVNV Funding or debt verification from the bureaus? So it is so just because LVNV Funding says it's so? I thought the whole purpose of the law was for them to provide proof within 30 days. It's been almost 6 months. Why hasn't this company sent to me whatever information they are sending to the credit bureaus that the account is " verified as accurate and updated ''? I don't believe the debt can be validated. I don't believe the bureaus did an investigation because when I asked how was it verified the bureau 's response was to contact the creditor. I did that and they didn't answer.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with many attempts to correct the late open accounts associated with my account. As a valued customer, I expect timely and efficient resolution of any issues, especially those concerning financial matters. 

While I appreciate the efforts made by your team to rectify the situation, the fact that a many attempts were necessary raises concerns regarding the effectiveness of your internal processes and systems. It is imperative that such errors are not only corrected promptly but also prevented from recurring in the future. 

I urge you to conduct a thorough review of your procedures to identify the root cause of these discrepancies and implement appropriate measures to prevent similar occurrences. Additionally, I request compensation for the inconvenience and any adverse effects this situation may have had on my account. With this, I am asking for your assistance to correct these accounts in my credit file XXXX XXXX XXXXXXXX Balance Owed : {$4300.00} ; XXXX XXXX Balance Owed : {$530.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # 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 acct # 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: Debt collection

I have been contacted by XXXX separate companies in the past 6 months claiming that I owe a debt. Even though I did n't belive I owed the debt, I paid almost {$900.00} to the first debt collector because I was threatened. Then less than 2 months later, I got a call from a XXXX company trying to collect on the same debt. They informed me that the XXXX company didnt " own the debt ''. I did some research and determined that XXXX companies were fraudulent. Upon learning this, my bank refunded the payment that I made. Now, my family members are receiving calls from a XXXX company looking for me for the same " debt '' ( this company has never called me personally ). I have documents from all of the companies. All of which appear to be official but after researching business names, addresses and phone numbers, nothing matches. Also, I requested proof of debt to be mailed to me, but they claim that they do n't have to ability to mail me anything ... .they can only email. I want all of these calls to stop and I would like to see if there is any course of action that I have for the harrassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. 
By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a third party. 
XXXX XXXX XXXX # XXXX Late payment reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please update the account as Paid/Current
Product: Debt collection

XX/XX/2018 - my apartment was subleased out. 

XX/XX/2018 - the subleasee left one month early without paying the rent. 

No notice or anything from apartment complex. 

When I saw it on my credit, months later. The apartment complex said that the collection has been already sold, and there was nothing they could do to remove this anymore so I would have to dispute it. 

I have tried to dispute it three times, and Im not sure if Im technically legally responsible still or what the case is. I cant get an apartment until this is paid off. I called the collection company in hopes I can at least negotiate it or make payments. After two days of attempting to reach the representative that Im assigned to with no luck, I went online to make a {$50.00} payment - thinking I could at least do my own payment plan by myself. After no email or anything regarding my payment, I figured I would try calling one last time. I surprisingly got a hold of my representative. Weird, she couldnt return any of my voicemails but okay. I told her I didnt receive a copy of my receipt and she told me it isnt in their policy to do so. Im extremely uncomfortable paying {$1000.00} to company who doesnt even give proof of payment. Nor do I even know if Im even legally responsible.
Product: Mortgage

This bank refuses to assist with loan modification. They also are not applying the payment wired to them on XX/XX/2023 in the amount of {$8000.00} made on my behalf by NYS Home owner assistance fund. This bank is a nightmare and are doing nothing to assist me
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash pp ( block, Inc. ) due to inadequate customer service and unfair practices, which violates the consumer Financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process wasn't fair and deceptive as they did not comply whatever resolution requirements under the electronic fund transfer act ( efta ) and regulations. E. These actions have caused significant inconvenience if financial laws and I seek appropriate redress for these violations.
Product: Credit card

Back in XX/XX/XXXX, I applied and received a care credit account for XXXX worth of dental work my husband needed. Our insurance would only cover XXXX of this amount. On the last month XX/XX/XXXX I made a last payment to take care of the XXXX transaction of this total. I was 8 days late. Not understanding that their is no grace period for this account. They immediately charged my account the back accrued interest. I did not realize I was acquiring interest on an interest free loan if paid back at the end of the term. I paid early on a transaction that was due in XXXX, However they charged me the interest on it because they said I still owed money on that transaction. I had been paying the amount on the statement each month to pay these off. I currently owe over XXXX on this account and have XXXX transactions left for XXXX ... Due XXXX and XXXX due XXXX. Yet I am paying XXXX/month and XXXX of that is going to the actual loan. I was not aware of these stipulations when I signed up for the loan through my dentist. I was told it was 0 % interest for 2 years. Calling today they have sent me to the bankruptcy division of their company. I have not filed for bankruptcy. Not sure what is going on. 

Thank youXXXX XXXX KS XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. 

I have filed an FTC report with report number XXXX.
Product: Credit card or prepaid card

My unemployment is paid via the US Bank relicard and they ( US Bank ) have frozen my account and informed me ( after a phone call from me ) after finding out while checking out at the grocery that i have been randomly chosen due to " a massive fraud investigation " to have to prove my identity not by showing up in person but rather faxing them a copy of my State ID, Social Security card, and 2019 W2 forms in which i reluctantly did only for them then tell me it would be 10-15 days to review what i sent in. After 10-11 days later i checked my card and it was still frozen, my unemployment check went in but i could not take anything out so i called again to be informed that what i sent in ( exactly what they asked for ) was not sufficient, no reason on why just not sufficient and on top of that i was told by US Bank relicard operator that there is know way for them to find out because it was there " offline '' fraud leasion team and there is no way of contacting them. So i recent the papers a second time and waited 10 more days to then be informed that " my paycheck stub was from XX/XX/2019 and they couldn't accept anything older than XX/XX/2019 '' in which i replied that i have not sent them any paycheck stubs i sent my W2 's like they asked. after an absurd amount of time on hold i was told to re fax my w2 's and if they were on file or when they received this 3rd fax my acount would be unlocked within 5 more days. 5 days later i called my account is still locked no one can tell me why, just that they have received my paperwork and there is no further instructions so there hands are tied. I beg of you to please help me in this matter for i have no where else to turn, i have not been able to access any of the only {$1400.00} to my name for over a month and i see no resolve in the near future i have already lost my place to live and will soon be on the street i also have kids than have literally gone without meals do to this. what they are doing should be criminal, this is my unemployment check and they have kidnapped it and are holding for a unpayable, ever changing ransom. I have spoken with the unemployment office and they assured me that this was US Banks doing, not theirs. Thank you for your time and consideration
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is 1. XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, Americredit XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XX/XX/2020 and XXXX XXXX XX/XX/2020. I would like these illegal inquries removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.
Product: Debt collection

In XXXX i was notified by XXXX XXXX that a judgement of {$4000.00} was made against me plus a {$1100.00} legal fee. Making the amount owed to be {$5200.00} Then I got a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, IL. that they are doing the garnishment for XXXX for {$4000.00} plus court with a total of {$5200.00}. In XXXX of XXXX the garnishment stopped because it was paid off. In XXXX of XXXX I received another letter from XXXX XXXX XXXX saying that XXXX had said they had not received any payment since XXXX XXXX. That the were starting another garnishment for {$3100.00} for the balance still owed. The amount of money taken out of my paycheck has been as follows. The year XXXX was {$2400.00}. The year XXXX till XXXX was {$2700.00}. The year XXXX after XXXX was {$1000.00} ( the start of the 2nd garnishment ) The year of XXXX so far being over {$600.00}. This means I have had over {$6600.00} on the garnishments. If they go the full amount they expect to take out of my pay it will be {$8300.00} for a garnishment that was only suppose to be {$5200.00}. The garnishment is still being taken out of my pay every week. If I have to a copy of my pay stubs for the amounts shown can be provided. They should have the record of payments made.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Request for Correction of Credit Report - Compliance with Federal and UCC Laws Dear Midland Credit, I trust this communication finds you well. I am writing to express profound concerns about potential violations of both federal and Uniform Commercial Code ( UCC ) laws related to my investment with XXXX XXXX Bank, the original creditor, and the subsequent actions taken by Midland Credit, a third-party debt collector. 

As an investor, I provided XXXX XXXX Bank with an asset-backed security, aligning with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681s-2. XXXX XXXX Bank, as the original creditor, is expected to furnish accurate information to credit reporting agencies. The absence of a system to verify billing statements with investors, as outlined in 15 U.S.C. 1666 ( b ), raises significant questions about the permissible purpose for reporting such information without explicit written consent or a court order. 

Regarding Midland Credit, a third-party debt collector, I want to emphasize UCC Article 9 - Secured Transactions ( 9-609 ). This section mandates that a secured party must conduct enforcement in a commercially reasonable manner. Given the discrepancies in my billing statements, it appears there might be a violation of UCC Article 9 ( 9-609 ) guidelines by Midland Credit . 

Moreover, UCC Article 9 ( 9-625 ) underscores the duty of a secured party, in this case, Midland Credit , to conduct a comprehensive investigation when an investor disputes the accuracy of information related to their account. To address concerns of security fraud, I insist on a thorough investigation into my account, including a XXXX audit. 

In the event of a XXXX audit, the auditor will have the capability to retrieve the CUSIP number associated with my security. This auditor will be able to scrutinize the financial details, including how much money XXXX XXXX Bank has generated from my security and its current valuation. 

Failure to promptly rectify these issues may result in further legal actions, including the involvement of the Internal Revenue Service ( IRS ) to ensure compliance with tax regulations. My primary objective is to resolve these matters amicably, and I firmly believe that a comprehensive and timely correction of my credit report is in the best interest of all parties involved. 

I kindly request the immediate correction of my credit report to accurately reflect a " paid as agreed, never late '' payment history, aligning with both federal laws, particularly the FCRA, and UCC Article 9 ( 9-609, 9-625 ) requirements. 

I trust that both XXXX XXXX Bank and Midland Credit will take immediate, comprehensive steps to address these concerns to avoid further legal actions and to maintain the integrity of our business relationship.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had a late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy i have never been late on payments for the account XXXX # XXXX Please investigate and and provide proof with statements showing that these payment were late, If proof cant be provided i demand these payment be updated to on time as they should be as i was NEVER late. Thank you in advanced. 
15 U.S Code 1681 e- Compliance procedures b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Product: Credit reporting or other personal consumer reports

I am disputing an inaccurate late payment reported on my XXXX XXXX XXXX  account Account # XXXX for XX/XX/year>. I have consistently made timely payments on this account and was never late. To resolve this issue, I sent a dispute letter to Equifax, requesting the removal of the inaccurate late payment. I informed them of their obligation under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ), which mandates accurate reporting. This inaccurate information has negatively impacted my credit score and financial opportunities. I am seeking the immediate removal of this late payment from my credit report.
Product: Money transfer, virtual currency, or money service

I opened a Venmo account so that my employer could send me my paycheck. On XX/XX/XXXX I received a payment of {$280.00} from my boss. Venmo then froze my account and asked for identification verification which I willingly provided after calling several times they unfroze my account. I then went to add a card to my account so that I could transfer my funds out of Venmo they then froze my account yet again and asked me to provide them with a bank statement. I provided the statement which then said was the incorrect statement I submitted more statements from the card they requested and they continued to say it was the incorrect statement when I know for a fact it wasnt. I called several times and received zero assistance or answers. Then on XX/XX/XXXX I received an email saying my account had been permanently deactivated and that my funds were to be held for up to 180 days. The email claimed I violated the terms and conditions which I dont understand how that is even possible when Ive only had one transaction on my account and I submitted all the documents requested by Venmo . I explained to Venmo that I needed the funds in order to pay my rent and asked if there was anyway they could release the funds or at least refund the payment back to my employer so that she could pay me a different way. Venmo failed yet again to offer any assistance or answers. Im a XXXX XXXX XXXX XXXX XXXX XXXX working part time to try to make ends meet. I need my paycheck in order to pay bills. My rent payment is now late because of Venmo and Im at risk of being evicted.