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

I reviewed my Credit report in XXXX of XXXX and noticed some things were incomplete and not accurate. I sent Equifax a letter in regards on XX/XX/XXXX certified mail ( Receipt # XXXX XXXX XXXX XXXX XXXX ). Equifax sent a response to me stating that these accounts were verified and accurate when they are not. I sent Equifax another dispute on XX/XX/XXXX XXXX Tracking Number : XXXX in regards to the investigation results still having inaccurate information. According to the Fair Credit Reporting Act, 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. These accounts XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX, are inaccurate due to the " Date Last Paid '' reflecting the incorrect dates on all 3 credit bureaus. Also, according to 15 USC 1681s-2, 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. Please refer to the attachments.
Product: Checking or savings account

After discovering several unauthorized debits from my checking account by XXXX, filed a dispute with Bank of America on XX/XX/XXXX. Bank of America credited back only ONE of the unauthorized charges, despite providing the supporting documentation proving no charge ( s ) were valid, past or present at the time, with my filed dispute. On XX/XX/XXXX Bank of America sent an email confirming a stop had been placed on all future payments. However, the unauthorized debits continue to date, with the bank clearing each month 's fraudulent debit. As of today, not including the amounts still owed from XX/XX/XXXX, Bank of America has cleared {$250.00} in unauthorized debits to a company they claim any future debit ( s ) to had been stopped. What's worse are the numerous instances in which my account becomes overdrawn, a direct result of the fraudulent debit ( s ). The overdrawn balance then results in numerous fees incurred PER each transaction posting thereafter, by both the bank & the merchant and this has taken place more than once. 

My income doesn't sufficiently cover my living expenses as it is but the bank 's incompetence has literally left me unable to even buy gas to allow for my daily commute to my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having bankruptcies on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove them immediately. 

XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX, XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Product: Vehicle loan or lease

XX/XX/2018, I Bought a car at XXXX XXXX XXXX XXXX in XXXX, VA. I Agreed on XXXX as the price and put down {$1500.00} cash. I was presented with paperwork that essentially nullified the {$1500.00} in Tax tag title and dealer fees, with the balance remaining at {$3500.00} @ 14 % for 48 mos. I never received tags, despite getting a DC registration as instructed. 
More than a month later, I received a payment book for a company in my general area, called XXXX XXXX XXXX. I paid them once at their PO address and once in a drop box at their office. The total of these payments was over {$350.00}. 
After two months, I received notification I was to pay a company called XXXX XXXX, via a barcode scan and cash at XXXX, I began paying them in XXXX, and to date have paid them over {$770.00}, all the while receiving harassing text messages and refusals to present a statement each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 
TOYOTA MOTOR CREDIT XXXX Open Date XX/XX/XXXX Balance : $ XXXX, TOYOTA MOTOR CREDIT XXXX Open Date XX/XX/XXXX Balance : {$0.00}, TOYOTA MOTOR CREDIT CO XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Product: Debt collection

I received a call from my mother and son stating a firm called them trying to reach me and provided a reference number. I myself then received a call stating the person on the line ( no name or formal introduction ) was a courier service and needed to verify my address to provide with me legal documents from XXXX XXXX XXXX XXXX based in XXXX. I advised the young lady I did not feel comfortable giving out my personal information at which time she gave me a reference number and told me to call XXXX. I called and spoke with XXXX XXXX. He started the call off asking for my address, it appears the caller ID advised him who I was so there was no formal introduction. I, again advised I did not feel comfortable providing my personal information as I do not know what this is in regards. He proceeded to read off several addresses then threatened to move forward with court proceedings while advising a judge I was not cooperative. We ended the call after he refused to allow me to speak with his superior. I called back at which time he answered again calling me by name. On the 2nd call he advised me this was in regards to a debt from over 10 years ago which has been settled and I offered to send their company documentation. After being threatened with being sanctioned by the courts I ended the call and called again ( this time the number on their website XXXX XXXX XXXX ). I spoke with a XXXX who was more understanding of my fear of providing my information to a random person. I gave him the reference number that was provided early on and he explained I was not speaking with a law firm but a debt collection agency. He provided me details of the debt and stated I was being contacted due to signing a " tolling agreement ''. After reviewing my documents I advised him this debt was dismissed due to fraudulent being opened. I offered to send him documentation via email from the agency they " claimed '' asked them to move forward with collecting. After going through my records and after hearing the story with the first agent he stated he will update the record to show the debt has been closed and to not worry about it. I was not given any formal documentation confirming this matter has been resolved and offered to provide my email address since I was offered a bill via email. This company is very dishonest and collecting fraudulently.
Product: Debt collection

In accordance with the Fair Credit Reporting Act the account below has violated my federally protected consumer right as it relates to XXXX XXXXXXXX XXXX  XXXX XXXX. Account Name : American Express XXXX Credit Report I reviewed my credit report on XX/XX/year> I noticed somethings are incomplete and not accurate. I wrote to said company ( XXXX  mail ) requesting validation of the alleged debt, including any original signed contracts or agreements. Said company has NOT and DID NOT provide proof of such account, including original signed contracts or agreements. According to the Fair Credit Reporting Act 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 according to XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( b ) And according to XXXX XXXX XXXX they are supposed to do this ( XXXX ) treatment of inaccurate or unverifiable information ( A ) in general, if after reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Ii ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to XXXX XXXX XXXX they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This company had inquiries on my report as a result of identity theft. They deleted these inquiries after receiving my FTC report. Prior to this matter this impaired my creditworthiness, which caused XXXX Their action of deleting inaccurate reporting on my credit report is admission of liability. This company has a grave responsibility to report accurate information on a consumers report, which they have not done so.
Product: Credit reporting or other personal consumer reports

Attention Fraud Department Dear Sir/Madam, I am writing to address a significant concern regarding the reporting of a canceled debt by your company. It has come to my attention that your company has failed to comply with the requirements outlined in the Internal Revenue Code ( IRC ) section 6050P, which governs the reporting of canceled debts to both the Internal Revenue Service ( IRS ) and the debtor. 

Upon reviewing my credit report, I discovered that a debt owed to your company has been reported as canceled or forgiven. However, I have not received a Form 1099-C, as required by law, to report this canceled debt to the IRS and to me as the debtor. This failure to comply with IRC section 6050P not only places your company in violation of federal tax laws but also has serious implications for my credit report and financial well-being. 

As a result of your company 's non-compliance, I am demanding the immediate removal of the XXXX from my credit report. The inaccurate reporting of this canceled debt is unjustified and misleading, and it adversely affects my creditworthiness and financial standing. Furthermore, the failure to provide the necessary Form 1099-C deprives me of essential information needed for accurate tax reporting. 

I urge your company to take swift action to rectify this situation by : 1. Removing the XXXX from all major credit bureaus ' records, including XXXX, XXXX, and XXXX. 
2. Providing written confirmation of the removal of the account from my credit report within 15 days from the date of this letter. 

Failure to comply with this demand will result in further escalation of this matter, including but not limited to filing complaints with relevant regulatory authorities and seeking legal recourse to protect my rights as a consumer. 

Please acknowledge receipt of this letter and provide confirmation of the actions taken to address this issue. If you have any questions or require further information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
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 that 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, deceptive, and unacceptable, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused me significant inconvenience and financial loss, and I seek appropriate redress for these violations.ns.
Product: Credit reporting or other personal consumer reports

According to Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is mandated that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX and XXXX fall under the category of consumer reporting agencies, and I, as the consumer, possess the right to ensure that my private information remains confidential. This right is reinforced by Section 6801 of Title 15 USC, which emphasizes the obligation of financial institutions, including those furnishing information to credit agencies, to safeguard customer privacy and confidentiality. 

Section 604 ( a ) ( 2 ) of Title 15 USC states that consumer reporting agencies may only furnish consumer reports in accordance with written instructions from the concerned consumer. Neither the financial institution nor the consumer reporting agencies, XXXX and XXXX, have obtained my consent, let alone written consent, to furnish my information. Therefore, any previous consent, whether verbal, non-verbal, written, or implied, to XXXX, XXXX, or the furnisher of information to credit agencies, is hereby revoked. 

Furthermore, Section 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to third parties unless the consumer is informed of their right to opt out. However, the furnisher of information to credit agencies failed to inform me of this right to exercise my nondisclosure option. 

Additionally, Section 1681C ( a ) ( 5 ) stipulates that consumer reporting agencies can not include adverse items of information in consumer reports without authorization. Yet, XXXX and XXXX are reporting adverse information without my permission, which is a violation of the law. 

According to Section 1681s2 ( a ) ( 1 ) ( A ) and Section 1681e of Title 15 USC, it is prohibited to furnish inaccurate information to consumer reporting agencies, and every consumer reporting agency is required to maintain reasonable procedures to ensure compliance with the law. XXXX and XXXX are evidently failing to uphold these standards. 

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.
Product: Debt collection

I called the Mandarich Law Group New York, trying to settle a debt that was on my report, I spoke to about 4 people om 2 different days and no one knew information about what the others had in my file. I called on Friday XX/XX/XXXX and spoke to a rep XXXX XXXX my original debt was for XXXX, and I offered XXXX he explained to me that he wasn't able to take that amount and during the conversation he offered to XXXX, but all I had was XXXX, he said he was send it to the company he represented and get back to me on MondayXX/XX/XXXX. Also during the conversation Levy added on an extra cost of XXXX saying that was addition cost that was added on for the work done to date. He also stated that I was served with court papers for this specific account, in XX/XX/XXXX, to which I explained I didn't receive, he tell told me that their process server delivered the paperwork to a person named XXXX XXXX and gave a description on a person that did not reside with me. On Monday afternoon I called back but he could not be reached, I spoke to rep XXXX XXXX and he didn't know about this arrangement and only told me that the company would not accept my offer of XXXX, but he will try again and for me to call back in 1 hour. I called back 2 hours later and was told both men I spoke to were unavailable, in which time I stared the process all over again with a rep name XXXX XXXX, who from the beginning of the conversation seemed to be aggressive. He stated that I was served in XX/XX/XXXX and gave the same description as Levy did and when I tried to explain that no one lives there as described and it was also delivered to the wrong address, he told me that I was in default, when I asked why I didn't receive a follow up letter from the law group, he said that he doesn't have to provide me with any further information and that I have to call my county clerk if I wanted more information and anything further that I asked was cut off and I had to call the clerk.
Product: Vehicle loan or lease

received auto loan in 2017 after hurricane Harvey the vehicle was a total loss due to water damage and uninsured motorists disputed account and it was removed from my credit report and later that year was traded to my report. My XXXX for a XXXX XXXX  car is extreme.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company STERNRECSVCS ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

recently reviewed my credit report and noticed an accounts that was not reporting accurately. i had one late payments on Two separate account With ( XXXX XXXX XXXX  ) I know in fact I paid on time. The consumer reporting agencies need to report all information with complete accuracy. these accounts has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) XXXX XXXX Account Number XXXX ( XX/XX/year> ) XXXX Account number XXXX I'm now requesting you to investigate these account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX - XX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX fios XXXX, experian XXXX points lower, they are reporting incorrect balances on my credit report, will not except online dispute on accounts, wrote them no reply 45 days.
Product: Credit reporting or other personal consumer reports

Filed a dispute for accounts and company changed status from charged off to open on credit report in attempt to hurt the consumer credit scores. Creditor has violated consumer credit Laws. The account was charged off and reported to irs for company to receive tax credit. Company needs to update balance to XXXX and / remove from consumer credit report. Creditor was asked for. 1099-C and never provided to customer after 60 days XXXX XXXX is illegally reporting a balance of {$16000.00} XXXX XXXX is illegal reporting a balance of {$1500.00}
Product: Credit card or prepaid card

I ordered from XXXX  ( seller ) 48 rolls ( XXXX XXXX XXXX XXXX XXXX ) times 25 case,1200 single rolls, each costs XXXX cents, total {$670.00}, around XX/XX/XXXX. 2020. After I ordered I checked the status of delivery. But the company website was disappeared. I felt this was scam. So I called my credit company, Chase. Not to pay it. And the agent told me Chase is not going to charge to me {$670.00} because I cancelled off very quickly around 24hours. I believe what Chase said. But Chase paid {$670.00} to the seller and charged to me around 2 months later. So I go to dispute and Chase close this case because of time frame. I have to pay it. The seller send me around 8 rolls times 20, 160 single rolls, each costs {$4.00} ( {$670.00} divide by 160 ) no brand name junk white toilet paper.totally different as they described. I tried to contact the merchant but their website is disappeared. I wish I return to get my money back.but I don't know where they are. I believe Chase made mistake because the agents work at home. Technical mistake. {$670.00} is big money for me during this corona virus season. I'm trying to survive my business. Please help me. XXXX bless you XXXX bless America. 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 Account 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit profile. Can you verify the paperwork? XXXX  of the documented accounts exhibit inaccuracies in reporting, including erroneous amounts and dates.
Product: Debt collection

in regards to : Account # XXXX & Account # XXXX I am disputing the above account reference numbers and attempting to stop Progressive Management 's attempt to collect on this debt and removal of accounts reported to my credit bureau 's. These bills were for services rendered in 2012. California Law states that medical bills have a 4 year statue of limitation. This debt has reached its statue of limitations and can no longer be collected on. 


Thank you, XXXX XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as ofXX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.