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

Credit reporting agency does not provide what proof they are provided when filing a dispute on credit report. I need all documentation proving my responsibility for debt. I have disputed this several times and requested proper proof to no avail.
Product: Credit reporting or other personal consumer reports

This false reporting is not merely an error ; it reflects " actual malice, '' as XXXX, experian, XXXX knowingly and recklessly disseminated incorrect information. The damage to my reputation has been substantial, and this defamation can not go unaddressed. IV. Financial Harm Resulting from Inaccurate Reporting Due to XXXX  experian, XXXX willful and knowing misreporting, I have been denied credit cards and auto financing, and I do not qualify for an SBA disaster loan that is critical to my financial stability. This violation of 15 U.S. Code 1681n entitles me to recover statutory damages, actual damages, and punitive damages. The financial setbacks I have experienced are directly attributable to XXXX, XXXX and Experian irresponsible and unlawful actions Despite my repeated disputes, XXXX, XXXX and Experian persisted in reporting this false information, demonstrating a clear pattern of willful noncompliance under 15 U.S. Code 1681i. This blatant disregard for accuracy and consumer rights is unacceptable and has further compounded the harm done to my financial standing.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX and XX/XX/2021 I became extremely XXXX with XXXX. I was hospitalized in later XXXX to early XXXX, then on bed rest, Following my hospitalization I was on XXXX medications and weekly XXXX XXXX for my XXXX because I am XXXX. In XXXX I had a XXXXXXXX and my XXXX closed again. During this time I was unable to work, I was isolated and unable to pay my bills, leave the hospital or my home. I one point I cound n't even speak. Prior to this my payment history was stellar 100 %, Under the CARES act and due to the pandemic I should have been offered a solution or my credit history not reported late as I got caught up as soon as I could. I have made several attempts to reach out to all of my creditors, via complaints, calls, letters and filing online with little to no success.
Product: Student loan

I've recently tried to dispute this information concerning late payments being reported to the credit reporting agencies in XXXX, XXXX. I've tried several times to get them to explain how my student loan went from Deferment to Forbearance less than 2 months. Deferment last one year until renewed. This concerns me because Navient Dept. of Education Loan servicing has a very bad issue with listening to complaints and communicating with customers. All they have done is justify how the issue occurred but do not explaining why it occurred.The reason I believe is that no one wants to be held accountable for why this mistake occurred and who is responsible. I was not aware of the mistake until I received the information from Navient which I have attached. Back in XXXX of XXXX is when I found out that my loan had been in forbearance. That is when I put it back in deferment which I qualify for.The next month I called Navient in concern of the late payments that was reported on my credit report and the representative tried to get me to put it back in to forbearance and I asked why when I'm already in deferment. I was very confused and it was very concerning to me, so I did some research and found that there is no interest charges when your loan is in Deferment but when it is in forbearance, there is in fact interest charges applied to your loan. So this leaves questions and it explained why they would try and do this and why the mistake was made in XX/XX/XXXX and question if it was a mistake or done purposely. I am a XXXX veteran and I have never established a payment plan do to my XXXX which I explained to them that I'm in the process of getting approved for unemployability and getting my loans forgiven because I have not worked or can not work. My question is why Navient would take advantage of me as a veteran and my condition buy trying to apply interest charges and taking my student loan from Deferment to forbearance less than 2 month with out any communication with me explaining why. I think the individuals responsible for this issue should be held accountable because I'm concerned that I'm not the only one this has happened to. This has ruined my credit and I have suffered from by there mistake.
Product: Debt collection

I submitted my initial dispute on XX/XX/year> and have yet to receive proper verification of this account or an adequate response, as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA, I have the right to request and receive verification of any debt reported to the credit bureaus. As part of my initial dispute, I requested : Validation of the debt, including a copy of the original signed contract or agreement proving I am legally responsible. 
Proof that you have the legal right to collect on this account. 
A full accounting of the alleged balance. 
To date, I have not received sufficient evidence supporting the validity of this account. If this debt can not be verified as accurate and complete, it must be removed from my credit file immediately.
Product: Credit card or prepaid card

XX/XX/XXXX, I sent XXXX package via XXXX XXXX {$130.00} Please send me copy of receipt the adressee signed for package
Product: Credit card

This fraudulent company wrongfully charged my visa card ending in XXXX in the amount of {$39.00} on XXXX/XXXX/15 despite my having already called in 2 days prior to cancel on XXXX/XXXX/15 to cancel the ongoing membership with them before the next billing cycle began. I spoke to " XXXX '' on XXXX/XXXX/15, who went from stating he can help me with my cancellation, then in a desperate effort to keep me from canceling, holding on the phone for XXXX minutes, barely allowing me to speak. After XXXX minutes, XXXX finally told me that he had processed my cancellation request, sent me an email confirmation for the cancellation. Concerned about ongoing fraudulent billing practices and charges to my credit card, XXXX assured me that my card would not be billed any longer. 
I received the cancellation confirmation number : XXXX on XXXX/XXXX/15 indicating my membership had been cancelled. However, when I checked my XXXX XXXX checking account I discovered XXXX/One Technologies, L.P. had charged my XXXX card ending in XXXX in the amount of {$39.00} on XXXX/XXXX/15. Not only had this company billed me for ongoing service after cancellation, but they had the audacity to immediately restrict me from logging in and accessing the account. How dare you cancel my account and continue to bill me and then deny me access after you 've charged me for the whole month. Naturally, I assumed I would still have access to the account until the end of the month, being as though they had charged me already for the month of XXXX, but to my surprise and dismay they had restricted and denied any and all log-in and access to the account. How dare you. You charged me for the whole month, so I still have the right to access. I am disgusted and appalled by this scam company. They seem to take it personal, real personal when you choose to cancel your membership. They encourage, train their reps to aggressively bombard, burden, annoy and hold you up on the phone for upwards of 30 minutes by trying to distract and discourage and ultimately keep you from cancelling the expensive unimpressive, unsatisfactory services in hopes that they could persuade or should I say pressure you to choose XXXX of the for the exact same or similar, more appealing services for free or at a fraction of the cost, price it should have been at in the first place. What ever happened to just simply honoring the consumer 's request. I called you to cancel services. Period. Nothing less. Nothing more. They are hiding behind misleading advertising and false misrepresentations.
Product: Credit card

This is regarding my dispute against XXXX XXXX for {$420.00}. The credit card company denied my dispute claiming I did not send them documentation in enough time. That was false information. Then they had the audacity to deny it a second time, alleging that the documentation I provided to them does not support the reversal of the decision. I just called and spoke with the Disputes department to get some clarification, and the responses I received were utterly absurd and extremely unreasonable, to be honest. How in the world can anyone expect someone to prove they were told something was included with a service, unless they were told in writing?? Furthermore, how can anyone expect someone to prove there were still issues with plumbing after the service provider left?? All one can do is contact the company from which the service was provided and inform them. And if the company does not offer to come out and fix the issue that their service provider just caused and the consumer has that in writing, then that alone should be enough to find in the consumers favor. 

I just tried to resolve this with the credit card company directly but they would not cooperate. Therefore they have forced me to escalate this matter further
Product: Credit card

I made a payment of {$900.00} on this account on XX/XX/XXXX for payment due XXXX XXXX. 
On XX/XX/XXXX I made another payment for {$400.00} payment due XX/XX/XXXX. This payment was made by using the " Pay Now '' button on the account dashboard through the website, not externally. Because this was apparently the statement ending date ( keeping in mind my payment DUE was XXXX XXXX, and had been made ), this payment was applied to no balance due but instead backwards to the XXXX statement. 
I chatted with a customer service online who was not helpful nor were they even remotely nice. 
I called a few days later and the first person I talked to was nice but not helpful so I asked to escalate. I was escalated to an " Account Manager '' who was incredibly rude the whole call. " I'm not going to repeat myself '' - I'm sorry, I thought this was your job? 

I am simply asking that there is no late fee, and my account is no longer marked past due, and unlocked. It's really not that difficult, as anyone can see that I made this payment and an automated system misapplied it. When the due date I SEE on the website says XX/XX/XXXX, it stands to reason that when I press that pay now button after that date, I'm paying for the NEXT due date. 

If I am incorrect - A. this is incredibly misleading and is absolutely entrapment on their part. 
XXXX it's clear I did not " not pay my bill '', so inform me of the bug on your website so I know what's reality in the future, and make an adjustment for a loyal customer who consistently pays on time so as not to penalize me for a " mistake '' that really wasn't a mistake. 
XXXX train your " Account Managers '' to interact with clients with respect and humanity, as the way I was interacted with was nothing like that, and completely inappropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit was pull from this company I don't recall and don't recognize the name of the company is XXXX XXXX XXXX XXXX XXXX, NJXXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Have noticed some fraud accounts and unauthorized inquiries appearing on my credit report. 

Accounts 1. XXXX XXXX XXXX {$130.00} 2. XXXX XXXX XXXX {$84000.00} 3. XXXX XXXX XXXX {$27000.00} Inquiries 1. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 
It has been well over 30 days and i have not recieved a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accountS be removed immediately
Product: Credit reporting or other personal consumer reports

I am personally submitting this complaint regarding late payment entries on my credit record. Upon reviewing my files, I discovered these late payment notations. Despite sending correspondence about this issue more than 30 days ago, I have received no response, nor has satisfactory validation been provided. I request your help in addressing and resolving this matter swiftly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

I haven't received a statement for my auto loan since XX/XX/XXXX. I contacted the company recently ( XX/XX/XXXX ) and they told me that I needed to update my address in order to receive e-statements- which doesn't make any sense. Their website states that I am currently enrolled in electronic statements and that I can access those e-statements from the " Documents '' tab on their website. The only statements there are from XXXX and XXXX. I do not get a statement emailed to me nor am I able to see how my payments are posted each month. The customer service rep said that he would be escalating this issue to his supervisor because he wasn't sure what the issue was and that someone would be contacting me. It has been a month and I have not heard back from anyone regarding my statements.
Product: Mortgage

Seterus Mortgage purchased my loan from another company. I issued XXXX different checks to have applied to pay off the loan. They applied them incorrectly and then reported to the credit bureaus that I was late {$7.00} for a couple of months. I did n't know about this until my car insurance went up dramatically, and after several months of asking Seterus to resolve the problem with the reporting, I was told that it had been cleared. Only to find out from my XXXX XXXX FICO score that due to Seterus incorrectly reporting to the credit bureaus, my FICO score of XXXX is now at XXXX & I worked very hard to maintain a high FICO score. I believe that Seterus needs to be aware of how they can ruin peoples life. 
I am now trying to find out how do I get my FICO score back where it has always been. The low FICO score has been since XXXX 2015.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Inquires from XXXX XXXX was not authorized by me.
Product: Checking or savings account

I was based and worked in New York for XXXX from XXXX until my retirement in XX/XX/XXXX Before I left NY, I cleared ALL my debts and closed all my accounts including credit cards at both J.P Morgan Chase and XXXX XXXX XXXX. 
However, despite all my accounts with a XXXX balance being " allegedly '' closed, I discovered In XX/XX/XXXX that BOTH Chase and BOA are still charging my accounts with monthly " bank fees ''. In XXXX I spent close to {$200.00} in phone calls to these respective customer services at these two banks to ensure that my accounts were closed. They allegedly " reversed '' these fees stating that was an automatically generated " system issue '' and that they would pass on the information to the appropriate department. I refuse to spend any more money contacting these two Banks due to their lack of customer service, diligence and banking compliance. 
I am now back in XXXX XXXX since XX/XX/XXXX and recently discovered that BOTH Chase and BOA have been charging my allegedly " closed accounts '' Monthly bank fees for XXXX and XX/XX/XXXX. In each bank, my accounts have an overdrawn account balance of - {$24.00}!! ( Refer to attached screenshots ) In my case, they are deliberately " failing '' to close my accounts. 
Although being in XXXX XXXX I could " ignore '' them. However, I would do so at my own peril. Left unchecked, these unpaid bank fees will eventually attract default payment fees, referral fees to bailiffs and the likes eventually Courts fees added to the lot with a warrant to arrest should I ever put a foot in the USA ( or even transit via the US ) with the outstanding amount totalling thousands of US Dollars for one individual. 
I would be grateful if your office could address and expose the bank 's rot at the expense of the average consumer. 
Thank you for your time and consideration. 
XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was the result of their non-compliance of your Bureau to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. These accounts was already been deleted in the other Bureau, yet you are still reporting it on my credit report. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
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: 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 fail 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 solution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.