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

I sent the credit bureaus letters asking them to verify a debts on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C 1681s-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors ; 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. I also received a corresponding physical letter from a debt collector, RENT RECOVERY SOLUTIONS. According to XXXX this company does not have a license to collect ANY debt in the state of Texas. From this physical letter they sent to me, they are in violation of two laws. 15 U.S. Code 1692b - Acquisition of location information ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; According to 15 U.S. Code 1692k - Civil liability ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; this is a violation of my rights. I am entitled to {$1000.00} per each violation I would also like to know how this company is reporting an alleged collections account as an open account with a past due amount as valid and accurate. This alleged account is listed as a Collection with a PAST DUE BALANCE OF {$1500.00} This is a violation of FCRA and also in violation of requisite XXXX XXXX COMPLIANT reporting standards and must be permanently removed from my consumer report. 
If you can not provide me with your method of validation then please delete due to inaccurate reporting.
Product: Credit reporting or other personal consumer reports

It has been drawn out to be fraud that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Capital one and Walmart credit cards have been sending credit card ads for many different people to my address. None of these people live at my address. This has been happening for about three months now. Every week we receive letters for these people. I have called capital one three times already and each time they say theyve added my address to the do not send to list, but we continue to get letters. We get between 5 and 15 every week from both capital one and Walmart. I do not understand why I am getting all of these for people who do not live here. I have lived at this address for almost 7 years now and have never had this problem. I am now wondering who these people are, and what else they will have sent to my house or if theyre going to use my address to register to vote. I do not want all of this mail sent to my house! It literally fills my mailbox and it makes me afraid that I wont receive important mail that is actually for me. I have started writing return to sender and wrong address on these and taking them back to the post office but it obviously has not helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX responding to the verified no-change letter you sent me for the late account. Based on your recommendation, I sent a letter to the XXXX asking for the proof that I was in fact late, on { the month they reported but they never responded. 

Its clear that the late account, Date open, no. of months ( terms ), High Credit, Last reported date, Date last Activity, Date of Last payment is inaccurate because the Creditor did not send any valid proof of me being late, date of Last activity, Last reported date, High credit, Date open, Last reported date, no. of months ( terms ), date of last payment. If they cant prove that the account was late, they cant report to the Bureaus, according to the FCRA. Please Delete Account Immediately these inaccurate listing from my credit report or your company will be in Violation of the FCRA. A HARD COPY HAS BEEN FILE WITH CFPB Creditor : XXXX BANK Account XXXX TRUNCATION IS ERROR TO I NEED THE WHOLE TRADELINE ACCOUNT NUMBER. 
Reason : 15 USC 1666 A/B BILLING ERROR/15 U.S. CODE 1681e- Compliance Procedures ( b ) Accuracy of Report WHENEVER A CONSUNER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUN POSSIBLITY ACCURACY OF THE INFORMATION CONCERNING THE INDIVDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE SEE BELOW ATTACHMENT
Product: Debt collection

This collection has been placed on my credit report however, I have no account with this company, nor the company they are saying that I owe. They say I opened an account in XXXX 2017 and currently have an open balance. This is completely false. There is very little detail on my credit report about this and as I do n't have an account with them, I do n't know anything more than what they are posting. According to my credit report it says : Diversified Consultants Opened XXXX XXXX, 2017 ( 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX claim to have conducted a full thorough investigation of these inaccurate negative items on my credit report yet they are still showing up as inaccurate on my report. I would like to know how they verified these accounts. 

XXXX/Equifax/XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer ( direct dispute ). 

Under 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.

Under the FCRA 1681s-2 ( b ) the furnisher is required to examine sufficient evidence to determine whether the disputed information is accurate. If a furnisher can not affirmatively verify that it has accurately reported disputed information, 1681s-2 ( b ) ( E ) of the Fair Credit Reporting Act requires the furnisher to modify, delete, or permanently block the reporting of the disput
ed information. 

A fair resolution to this issue would be the deletion of the following inaccurate accounts from my credit report : XXXX/Equifax/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: Student loan

The information I received through Navient about repayment and amount owe did not seem to align with payments I had paid to XXXX XXXX prior to loans being sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccuracy of this account on multiple occasions for years. I have submitted concrete proof of school records that shows both of my children are in my care. XXXX has DELETED the account from my Credit Report but EQUIFAX and XXXX continue to violate my rights. 

Please be advised the inaccuracy and fraudulent reporting of the account below has negatively impacted my ability obtain credit and build a life for my family. Not only is it a deformation of my character but it incorrect and has been detrimental to moving my life forward with my wife and children. This account has stopped me from being able to purchase a home and a second vehicle for my family. You will also see with my childrens school records attached to this letter, that my XXXX children that are attached to this account have lived with my wife and I for most of their school career. Let the record reflect that their mother lived XXXX hours away from my wife and I, making her not regularly present in their lives. It was only when she decided she wanted to a mother again in XX/XX/2020 that she took me back to court to have the court remove them from my home and their school to place them back in her home. Let the record also show that my wife and I then relocated XXXX hours to ensure that our children remained together. My sons are now back in our home once again. This has been both an emotional and financial hardship for my wife and I as well as our other XXXX children. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). SPECIFICALLY, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive,XX/XX/XXXX they did not comply with error resolution requirements under the electronic fund transfer act
Product: Debt collection

I have received nearly every single day one to three calls from XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, and about a dozen other numbers all show up with the Caller ID Credence. Which is a XXXX, IL based debt collector. I do not owe them a XXXX. They harass me daily and I know its a scam. I do not owe any money to anyone in XXXX, Illinois. This is harassment plain and simple.
Product: Mortgage

I received on XX/XX/XXXX that a foreclosure sale on my house have been scheduled for XX/XX/XXXX. Mr. Cooper has not since it took over from Nationstar Mortgage reach out to me to discuss the issues concerning my HAMP Loan Modification which I applied for in XXXX, and which is yet to be resolved. The foreclosure sale notice which I received from XXXX XXXX, XXXX claimed that I should find a copy of the advertisement of the foreclosure sale as published in XXXX XXXX XXXX ; that is not true. The claim is false as I did not find any copy of the advertisement enclosed in the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refuse to validate student loan debt on consumers report, XXXX has finally followed the law, but XXXX XXXX, ontinuously put information on my report that is not % 100 accurate/valid.XXXX  in particularly, Ive disputed the allegations, charges occured in XXXX i was under the legal age XXXX to consent to any open credit. XXXX can not or has not provided the proper documentation to collect iff of me ; they used false information claiming I owe them, using my identity to collect interest payments or some sort ; i gave never made a payment to this company, false information ; provide evidence showing i made any payments to XXXX, FCRA section 609 ( a ) ( 1 ) ( A ) are required by federal law to verify through physical verification original signed consumer contract bearing, i demand to see original proof of my authentic signature agreement w/wet ink ; otherwise anyone can create a bill statement and say i owe them ; If XXXX cant not provided this the must remove 18 account ; not following law can result in penalties and criminal charges ; negative/invalid information on my credit report ; violations 15 US 1692e, 15 US 1681 s-2, No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX XXXX fails to follow the consumers laws XXXX XXXX has used my identity and say I owe them, false information, false representation of character amt, false representation that one is vouched by XXXX XXXX XXXXXXXX has also be saying late payments on one bureau but on time on another, all information is false ; XXXX has removed the invalid information i need all bureau XXXX, Experian to follow the law
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from a dealership in XXXX, NJ called XXXX XXXX XXXX XXXX. The bank that approved me for the loan was Credit Acceptance. As of today it is now well over 60 days since the date of purchase XX/XX/21. The dealership engaged in unfair and deceptive business practices, I still do not have plates for my vehicle. The bank Credit Acceptance has not only failed to obtain the vehicle title from the dealership, they have also engaged in unfair and deceptive business practices.

Credit Acceptance has violated my consumer rights by violating the FCRA. 
They have reported a vehicle loan on my credit report insinuating that I am paying them for a car that THEY DO NOT LEGALLY OWN. The bank has already paid the dealership for the car. THE TITLE WAS NEVER GIVEN TO ME, I WAS NEVER LISTED AS THE OWNER/ FINANCER OF THE CAR NOR WAS CREDIT ACCEPTANCE LISTED AS THE LIEN HOLDERS. 


THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT, NOR SHOULD I BE MADE RESPONSIBLE FOR PAYMENTS UNTIL THE BANK HAS OBTAINED THE TITLE AND ARE LISTED AS THE LIEN HOLDERS.
Product: Debt collection

REMEX INXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response?? 


furthermore REMEX INC ( Original Creditor : XXXX XXXX XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
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 there 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 the Electric Fund Transfer Act ( EFTA ) and Regulation E. These Actions have cause significant inconvenience and financial loss and I seek appropriate redress
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items form my credit report. 

XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX  XXXX {$210.00} XXXX  XXXX  XXXX {$12000.00} XXXX XXXX  XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$690.00}
Product: Credit card or prepaid card

BestBuy CitiBank card has been billing me for Enhanced Debt Protection. I don't know what Enhanced Debt Protection is.  There is no information on the website or through XXXX search. They gave me a wrong phone number when I called and the same wrong number in an e-mail. E-mail replies directed me to a webpage that was out of service on multiple occasions. I finally got a reply on their site that says I enabled this in XX/XX/XXXX, it is now XX/XX/XXXX. They say since my account was protected by the benefits I can not get a refund for any of the months they billed me including the last month.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I should have received a refund instead. It went to the card and showed a negative balance. I contacted synchrony bank and told them I would like the. Refund, put into my account. They said they could only process a check and mail it to me. 2 weeks go by, I call them again. They say that they didn't process it to like the XXXX. And then I should have received it by the XXXX of the XXXX. 
I never received it as of the XXXX of XXXX. After calling them again. They said it will take another 7 to 15 days to redo it. And if it happens again it will be a nother 7 to 15 days and so on. To me this is unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX {$1900.00} These were reinserted on my credit report after being deleated. I was NOT notified that they were reinserted, if not removed I will hire an attorney because of improper reinsertion of FCRA rules. 

I have attached before and after credit report showing it was deleated and has now been reinserted without notice. 

Equifax keeps messing with my credit again, reinserting things that have been gone for a couple years reappear then are deleated again.
Product: Credit reporting, credit repair services, or other personal consumer reports

**THIS IS NOT THE SAME COMPLAINT AS PRIOR - NEW SITUATION HAS JUST ARISED WITH CAPITAL ONE. AFTER 8 MONTHS OF NO REPORTING ON A PAID IN FULL ACCOUNT FROM XXXX, XXXX, CAPITAL ONE FRAUDULENTLY UPDATED MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX, WITH AN INCORRECT REFERENCE AS WELL. ** DETAILS : On XX/XX/XXXX, I pulled my XXXX  Credit Report, and discovered that Capital One had incorrectly updated my account ending in XXXX from a Paid in Full Status XXXX, XXXX - ( XXXX being the FINAL month reported, EIGHT MONTHS AGO ) to now updating it to show a CO ( charge off ) for XXXX, XXXX. This is technically impossible and completely inaccurate. 

There are 2 Issues Here to Resolve : 1 ) No Activity has happened since XX/XX/XXXX, and every month should report a NA 2 ) My Account was NEVER NEVER NEVER NEVER been a Charge Off I paid my account in full on XX/XX/XXXX. At that time, because I had fallen out of a 3-payment settlement when Capital One refused to give me a 2-week extension, I immediately had to scramble, beg, borrow, and use my unemployment funds to scrape together the ENTIRE FULL ACCOUNT BALANCE to pay it in full before a charge off. And I did so. I made the payment and it was before my account charged off. That has been verified multiple ( MULTIPLE ) times, including through a recorded Capital One conversation on XX/XX/XXXX, as well as a REFUND CHECK to me for {$57.00} because when I paid them on that day, I did EVERYTHING to ensure that I resolved it free and clear without trailing interest for the month, etc, making sure it was a {$0.00} balance and before the charge off. I went above and beyond to ensure a big excess payment so that they wouldn't be able to say I hadn't paid everything on that final day when I did, and that was, 100 % was before a charge off. 

Following this PIF payment, I received a check for the overpayment from Capital One in the amount of {$57.00} Following a different complaint to CFPB on Capital One about how they allowed an extension on my husband, and not me ( discrimination ), Capital One sent me a letter confirming that my Account was PAID IN FULL, and not a charge off. 
I downloaded my final statement., confirming no charge off.
Product: Money transfer, virtual currency, or money service

I paid for a service through Cash App and it turned out to be a scam and they denied my claim because they stated it wasnt a scam eventhough I never received the goods
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX inquiry by 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, TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX. XXXX XXXX and XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my rights and inquiries are preventing my self and my family from purchasing my home and obtaining finance. 

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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

15 U.S.C 1681n. Civil liability for willful noncompliance ( a ) ( 1 ) ( A ) ( B ) and ( b ) Civil liability for knowing noncompliance XXXX
Product: Debt collection

My son received an email XX/XX/2024 from First Financial Asset Management , Inc. about a remaining balance of {$2000.00} with XXXX XXXX. The open balance in question was actually mine ' not my son 's and I had already worked things out with XXXX before he received the email. The issue here is that First Financial has violated the FDCPA by informing others ( my son ) about the details of my consumer debts including that I had a debt, the amount which was owed and an account number for their portal. I also do not know how they got my son 's email as I did not tell them.