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

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$380.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$400.00}
Product: Credit reporting or other personal consumer reports

Its been over 30 days and the creditor XXXX XXXX XXXX Account # XXXX has not updated the information nor has provided proof or documentation in regards to late payments they have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the items must be deleted from the report as soon as possible
Product: Student loan

I have a huge student loan. I keep getting charged monumental fees and/or interest rates every month for the past several years. It was in forebearance, but every time I try and get on an auto pay & payment plan, they take forever to approve, do n't communicate what is going on and continue to send " late '' bills, report to credit and I have been paying what I usually pay on my repayment plan. Whenever I have to resubmit information, it starts all over again and usually takes them months to reserve. I have been charged several thousand in this hassle, plus has greatly affected my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights : 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 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, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXXollection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Checking or savings account

Issue # 1 : In XXXX, I physically walked into the Suntrust Bank branch located at XXXX XXXX XXXX XXXX, XXXX, NC. I deposited {$1900.00}, prior to the cut off time, with a bank teller. On the following day, I checked my account and the funds were not available. I had to physically go back to the location, only to be told that the teller made a mistake and my funds were accidentally looked over. I spoke with a manager and was given a temporary memo credit until the issue was resolved. The teller who conducted the transaction admitted that the mishap was her fault. Issue # 2 : On XX/XX/2017, I deposited {$800.00} ( 40 XXXX dollar bills ) into the ATM at the Suntrust Bank location on XXXX XXXX XXXX, XXXX, NC. The ATM gave back 10 of those XXXX dollar bill and read an error message that suggested that I contact my financial institution. A receipt was not given. Currently, there is a temporary credit of {$600.00} showing in my account and I am being told that the case will be resolved in 10 business days. Several customer service representatives with Suntrust Bank have relayed to me that there is a {$75.00} fee for changing payroll dates after it has been processed, even if it is a paper check. I would like documentation showing that this is the bank 's policy. As a XXXX XXXX XXXX, I am concerned about how this corporation operates when it comes to deposits and payroll transactions. As a customer, it is inconvenient for me to have to worry with whether or not my money is being handled in a manner that is ethical. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially on XX/XX/XXXX and then again on XX/XX/XXXX, I disputed the total balance due on my Experian credit report on an automotive loan from XXXX XXXX XXXX. The loan was paid off and satisfied as of XX/XX/XXXX. Both disputes to Experian came back with no changed information and the balance of {$5800.00} still due. I've tried twice and now frustrated that this has not been rectified, despite my urging them to look into the matter twice. Please help.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report, 154 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Of XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose
Product: Credit reporting or other personal consumer reports

I submitted a complaint to Experian through the CFPB in regards to XXXX XXXX XXXX. Complaint number is XXXX I am resubmitting the complaint due to in correct and inaccurate reporting by Experian. I have responses from XXXX and XXXX stating removal of Both XXXX XXXX XXXX collection accounts being removed from my profiles with each bureau. However Experian did not remove both X XXXX XXXX XXXX XXXX collections accounts from my Experian credit file. Due to laws stating that reporting bureaus must ensure complete and accurate information i am formally requesting both XXXX XXXX XXXX collections accounts be removed from my credit file. In addition my complaint was submitted XX/XX/year> and i did not receive a response until XX/XX/year> which is well over the XXXX  day time frame that is allowed in which a response is supposed to be submitted
Product: Payday loan, title loan, or personal loan

I live in Georgia and signed up with XXXX XXXX to install solar panels on my house in XXXX of 2022. On XXXX, XXXX XXXX sent a crew to install the system, and they said they be back to finish the installation as well as send the request for inspection and permission to operate. On XXXX, XXXX XXXX closed their doors and then filed for bankruptcy. Numerous attwmpts to contact them failed. 

I have contacted Goodleap about this several times, because XXXX XXXX triggered the loan payments to start even tho it wasnt even finished installing, and Goodleap has told me that yes, i owe the monthly payments. 

Ive contacted XXXX XXXX the manufacturer of the system, and they told me that i had to find an authorized company in my area to assume the work. There are none listed on their website as authorized dealers so i was told to XXXX solar companies. 

Ive contacted every solar company in my area, and none of them want any part of the system since its half installed and would need to be finished, inspected etc. 

So Goodleap wants me to pay {$34000.00} for a paperweight on my roof right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to XX/XX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of XXXX XXXX XX/XX/XXXX to report items on the credit profile. If out of network required treatment, nothing presented or explained during the time of visit was ill during the time of treatments. Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX identify am the natural person and consumer. My federally protected consumer rights have been violated pursuant to 15 U.S.C 1681 Permissible Purpose of credit reports. The Fair Credit Reporting Act has been put in place to ensure that consumer reporting agencies maintain fair and equitable reporting. The attached letter contains accounts that are not fair and equitable to me as the consumer. I sent the attached letters XX/XX/2021 and I have yet to receive any response from the consumer reporting agencies listed. Please investigate this issue immediately. I am prepared to seek all proper remedies in this matter. 
The attached letter contains the the accounts that are adversely affecting me.

Reporting Act 15 U.S.C 1681b Permissible purposes of a consumer report, which clearly states that .Any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

1 ) In response to the court order of a court having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a Federal grand jury 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave any written consent to report anything on my consumer report, and no court order having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a federal grand jury has been issued. Also, I have not authorized any of these transactions. 
A consumer credit report should be equitable and fair to the consumer and should not contain any information that is adverse to the consumer pursuant to 15 U.S.C. 1681d Disclosure of investigative consumer reports.

The following information is adversely affecting me and is a violation of my consumer rights.

I have listed the items in the attached letter and below which are in violation of the FCRA and need to be deleted from my credit file immediately. 
my credit file immediately 1.XXXX XXXX Account Number : XXXX 2.XXXX  Account Number : XXXX 3.XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX XXXX XXXX Not Proven Compliant Account -- > XXXX
Product: Credit card or prepaid card

These hard inquiries need to be removed from my TransUnion credit report, since I do not recognize them, and I believe they are fraudulent : XXXX Location XXXX XXXX XXXX XXXX, WI XXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2021, XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Requested On XX/XX/2021 Phone XXXX XXXX XXXX XXXX  Inquiry Type
Product: Debt collection

In XX/XX/XXXX after being alerted to a collection account added to all 3 credit bureaus, Midland was  sent a dispute and validation request for the alleged debt. In XX/XX/XXXX the attached response was received. As you can see Midland has failed to validate the alleged debt with the requested contract signed by alleged debtor that outlines obligation to pay original creditor and/or Midland, requested contract between original creditor and Midland allowing them to collect on this alleged debt, requested signed receipts linking credit account to alleged debtor as this is appears to be a credit card debt, or requested detailed billing history to prove amounts owed on the alleged debt especially considering that the statement that was provided does not explain how an alleged credit line of {$400.00} turned into an amount owed of {$810.00}. With the information that is present on the statement provided, it appears Midland is attempting to collect an invalid amount for this alleged debt. I am further concerned that Midland may be reporting invalid information as they allege the debt was charged off XX/XX/XXXX which appears to conflict with the statement due date of XX/XX/XXXX.
Product: Vehicle loan or lease

On Saturday XX/XX/XXXX, I signed an agreement to purchase a used XXXX XXXX XXXX at a purchase price of {$10000.00}, with a rebate of {$2700.00}, plus a down payment of {$400.00} which would make a balance to be financed of {$7600.00}. I received my first payment invoice on Thursday, XX/XX/XXXX, indicating my first payment of {$350.00} would be due on XX/XX/XXXX. After reading further I noticed a balance of {$13000.00}. I never received a copy of the Retail installment contract and security agreement. I recall being told that the purchase amount would be financed at XXXX percent for 36 months. After reading that {$13000.00}, as the balance, I further learned that {$350.00} was for 72 months, not 36. I would not have agreed to that. I would be paying over {$25000.00} for this vehicle. I can't seem to get anything done with the dealership or Volkswagen credit. Please help me resolve this matter. I'm not paying {$350.00} for 6 years. 36 months is reasonable. Please assist me in getting this straightened out before my first payment is due.
Product: Debt collection

I have been contacted by " RNN Group '' multiple times demanding the last 4 digits of my social and DOB. The calls began yesterday, they called all day and again today. My Hr Manager explained that we do not provide personal information over the phone and they proceeded to give my DOB/Social which was incorrect by the way. We have asked them to stop calling and they continue to harrass me as well as my staff. The receptionist is being bombarded with calls and they are unable to provide us with reasoning for there calls. The number they keep calling from is XXXX and you can not get a hold of anyone. When I XXXX the number I saw so many complaints about scams from these people. I have no idea why they are contacting me and would like for them to stop harassing me especially at my employment it is causing alot f issues for me here at work. I have no idea they address or who I need to contact to send a cease and dismissal to put an end to this harrasment because if they continue I will need to take legal action.
Product: Credit card or prepaid card

The President of USA Joe Biden signed a FEMA Disaster Order EM 3589-NY and NY Governor Hochul signed an Executive Order # 24 authorizing all financial institutions to participate in offering financial hardship courtesies to my zipcode XXXX and all others in the XXXX counties called the AFFECTED areas due to huge snow storm. 

Please investigate why the XXXX of BofA has ignored my many requests as well as the President and Governor to give financial courtesies during this Disaster Declaration. 

I personally was hit by a car and have been offwork for XXXX and XX/XX/2022. 

Then on XXXX XXXX, 2022 our entire community got whacked by XXXX FEET of SNOW!!! 

I asked for an adjustment and no one has gotten an answer from the XXXX of BofA. 

Ironically, XXXX XXXX did help the victims of all fires and hurricanes this year! 

Please review my letter request and the proof there is a Disaster!!! 

thanks so much. 

XXXX XXXX ph. XXXX XXXX XXXX
Product: Debt collection

Speedy cash I paid my settlement off with them, this account should be removed off my credit, I have tried to fax and email them numbers of times.
Product: Checking or savings account

Opened a checking account on XX/XX/18 under an advertising pretense that I would receive a {$100.00} bonus after I made a Bill Payment through the checking account within 60 days of opening an account. During the application process, there was a notification that said " {$100.00} Bonus Promo Applied. '' After I completed the qualifying activity, I contacted the back to inquire about Promotional payout through a secure message on XX/XX/18. I was told at that time that I would have to wait 90 days for the payout. After 90 days, I contacted the bank again on XX/XX/18 and was told that my account was not qualified for the promotional bonus and that I had opened the wrong type of checking account. This was clearly a bait and switch operation as I had received a notification that the promotional bonus was applied during the application process. I also know of others who had opened the same exact type of checking account through the same offer and they DID receive the {$100.00} bonus payout as promised.