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

On or about XX/XX/XXXX XXXX XXXX reported private information to one of my partners ( XXXX ) which has and continues to cause me financial harm. I have lost an estimated {$14000.00} ( {$1200.00} weekly ) due to this unauthorized reporting. In accordance with the FCRA, XXXX is in violation of : 15 USC 1681 section 602 which states I have a right to privacy. 15 USC 1681 section 604 also states a consumer reporting agency can not furnish an account without prior written instructions. 15 USC 1681 C ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information or adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have been disputing unverified, fraudulent and non consented information reporting on my consumer reports dating back to XXXX. I have been a victim of identity theft. I have sent over 7 correspondence to all three major consumer reporting agencies requesting validation of debt, correcting name, address, and phone number along with requesting the removal any fraudulent accounts, inquiries, names, addresses, and/or phone numbers showing on my consumer reports that are not valid with minimal corrections. The companies XXXX, XXXX and Experian were all asked to provide proof being a contract/agreement validating any disputed items on my consumer report and I have yet to receive anything but its verified. Someone needs to be held accountable for the fraud taking place including but not limited to the unauthorized use of my XXXX XXXX XXXX XXXX XXXX and restitution should be made by any company or individual without my consent or a valid contract.
Product: Credit card or prepaid card

There was several fraudulent purchases on my New Jersey XXXX Support card in the total amount of {$690.00}. in XX/XX/2020. I had called Eppicard and spoke with fraud dept, a claim was opened and my card was cancelled. I had not received the questionnaire for the investigation for my claim nor receive my new card within 7 days so I called to obtain the status only to discover the papers and the new card were not sent. ( Please note every time I have called there has been a 45min-1.5 hour wait not to mention, many times the call is dropped. ) After much persistence I was able to have the papers and a new card resent. And only after talking to a supervisor did anything get accomplished. 
All of these purchases were made in XXXX XXXX and I live in New Jersey. The business that was involved in the puchases on my account has several bad complaints online for issues like mine. 
After submitting the paperwork I then discovered that my investigation was denied. When I inquired as to why, no one had a answer and said they will send a report of the investigation. The report had no information in it much the less as to why it was denied. .However they also sent a statement that contained all the attempted charges and there were many everyday.. This company Eppicard has told me that there is nothing that can be done because the case is closed yet it does not appear as though they did a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent out dispute letters to all credit bureaus : XXXX, Equifax, and XXXX. I have not received any update on the investigation. It has been 32 days since they were sent out and I have not received any updates.
Product: Credit reporting or other personal consumer reports

Aid Advantage I am writing to dispute a student loan entry on my credit report that I believe is inaccurately affecting my credit score and hindering my ability to purchase a home. Despite my previous attempts to resolve this issue, the entry has not been corrected or removed, which compels me to reference the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to support my dispute. 

According to the FCRA, Credit Reporting Agencies ( CRAs ) are required to promote accuracy, fairness, and the privacy of personal information in the files they maintain. The law emphasizes the importance of maintaining accurate information about consumers credit worthiness, credit standing, and credit capacity, as outlined in 1681a. 

I believe that the entry related to my student loan managed by Aid Advantage does not accurately reflect the current status of my account. {$2700.00} Under the FCRA, I am entitled to dispute this inaccurate information and request that it be corrected or removed from my credit report. I kindly request that Aid Advantage investigate this matter promptly and make the necessary corrections to ensure that my credit report reflects accurate and up-to-date information regarding my student loan. 

Furthermore, I would like to remind you that under 1681i of the FCRA, you are required to conduct a reasonable investigation within 30 days upon receiving this dispute. Failure to correct the inaccuracies may compel me to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse. 

I appreciate your prompt attention to this matter and look forward to a resolution that will allow me to proceed with purchasing a home. Please send me a written confirmation of the receipt of this letter and keep me informed about the progress of the investigation. 

Thank you for your cooperation.
Product: Vehicle loan or lease

XXXX I had XXXX  and lost my job I told The company and explained to them what happened the day they repossessed the vehicle I paid the balance in full and they still wouldnt work with me to get it taken off my credit report it also happened in the middle of Covid as well
Product: Debt collection

From XXXX 2014 to XXXX 2014, XXXX XXXX kept charging {$52.00} to my credit card although I canceled their services since XXXX. I disputed the charges and XXXX of their supervisors called and told me all charges will be credited. They made XXXX charges and only credited XXXX. Their automated system turned the balance ( {$52.00} ) to a collection agency by the name of Allied Collection Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX who put the derogatory charge on my credit report. I was n't aware this derogatory info was on my credit report since last year as I have been applying for loans and was getting denied.
Product: Debt collection

Medical Data Systems Inc has not validated the debt and the debt does not belong to me. Medical Data Systems Inc is in violation of the Federal Debt Collections Act pursuant to 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 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 ; Medical Data Systems Inc please Cease and Desist pursuant to Federal Debt Collections Act 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; Immediately remove the collection account from my credit report. Medical Data Systems Inc has not validated the debt and the debt does not belong to me.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and Transunion are reporting an item on my credit report which does not belong to me. I have brought it to their attention several times and taken every possible measure to prove the account does not belong to me and they have not made a single attempt to remove the item or assist me with the matter. The item I am referring to is listed as XXXX XXXX XXXX on my report and it claims that I owe a balance of {$7000.00}. I have never had an account with this company nor the supposed " original creditor ''. I don't recognize either of them!
Product: Credit reporting or other personal consumer reports

I called XXXX to have these addresses deleted have disputed these addresses by way of XXXX and I have also called on two different dates for the removal of them they assured they would be removed in 24-72 hours they however were never deleted These addresses are being reported and are not accurate.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information I demand that they are removed
Product: Money transfer, virtual currency, or money service

Why can't these people just let me withdraw my money in peace? I've already completed my XXXX period, but I still can't access my funds. They told me that the bank I used could withdraw, but that was a complete lie ; they kept rejecting it even though the bank was approved in the account. Please allow me to transfer funds to my friend 's PayPal account. I'm sick of filing complaints all of the time.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX my wife and I entered into a debt management plan with XXXX XXXX XXXX. XXXX of the accounts included in the plan was Capital One Credit Card Acct ending in XXXX. In XX/XX/XXXX we received a program payment acceptance letter from Capital One, dated XX/XX/XXXX, lowering our monthly payment to {$75.00} due the XXXX of every month. The letter stated, " You will know the terms of the program have been applied to your account when the XXXX of XXXX XXXX is reflected in the XXXX XXXX Calculation section of your monthly statement. '' Capital One is reporting that our XX/XX/XXXX payment as 30 days past due. I have disputed this information with Capital One on XXXX separate occasions and have disputed the error to all three credit reporting bureaus twice and Capital One continues to report the inaccurate information which is now impacting our ability to obtain a mortgage loan. 

I have attached the following : XXXX. The Payment Proposal XXXX letter from Capital One XXXX. Our XXXX Credit Card statement showing the agreed upon 9.9 % APR but an inaccurate minimum payment amount of {$100.00}. ( Payment due according to agreement was {$75.00} when 9.9 % APR was shown ) XXXX. Our XXXX Credit Card Statement showing our XX/XX/XXXX payment received on XX/XX/XXXX for {$75.00} Our XX/XX/XXXX payment was made 4 days after the XX/XX/XXXX due date ( not XXXX ) and in-full based on the agreement they entered into with us XX/XX/XXXX.
Product: Mortgage

I am filing this complaint against Truist Mortgage due to an inaccurate and unfair 30-day late payment being reported on my credit file for the month of XX/XX/year>, stemming from what I firmly believe was an error on Truists end. 

In early XXXX, I logged into my Truist online mortgage portal to make my monthly payment. During the process, I included both the standard mortgage payment and a late fee that had been assessed. I was confident that I had properly selected both options when submitting the payment. However, I later discovered that only the late fee had been processed and the principal mortgage payment had inexplicably not gone through. As a result, Truist marked the XXXX payment as 30 days late, and this delinquency has since been reported to the credit bureaus. 

I immediately reached out to Truist for clarification, only to be told that I had failed to check the box for the regular mortgage payment. I strongly dispute this claim. I know without question that I submitted the full payment as I always do, and I believe this was a system error or glitch on their part. Despite my repeated efforts to seek resolution, Truist has refused to acknowledge the possibility of a technical error. Instead, they have repeatedly issued the same canned explanation without providing any meaningful review or evidence, nor offering any flexibility or correction. 

This situation is profoundly unfair. I am being penalized for a payment I genuinely attempted to make, and the consequences have significantly impacted my credit standing. A 30-day late payment on a mortgage can cause substantial long-term harm to a consumer 's creditworthiness, and in this case, I believe I am being wrongly punished due to a failure on the servicers part. 

I am formally requesting that the CFPB review this matter and urge Truist to correct the reporting to reflect the XX/XX/year> payment as paid on time. I am not asking for any special treatmentonly for fairness and accuracy in reporting, especially when the error in question may stem from the lender 's own system. 

Thank you for your time and attention to this matter.
Product: Credit card or prepaid card

I made a payment to my Comenity card which was cashed by Comenity in XXXX. I filed a dispute with them TWICE and sent in a copy of the cancelled check. They are not responding to me or applying payment. I called today and they told me they need more proof. What other proof is there other than a copy of the check that they cashed?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : Dept Of EDXXXX Account number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account number:XXXX Account Name XXXX XXXX XXXX XXXX Account number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number: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.

16 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item of information, other than records of conviction of crimes which antedates the report by more then 10 years.

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: Debt collection

The debt was paid and they promised to remove it from my report but its still showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give this company permission to view my consumer report. 

GLOBAL LENDING SERVICE XX/XX/2021 GLOBALLEND XX/XX/2021
Product: Debt collection

This debt is not mine. While " XXXX XXXX '' is my given name, this debt does not belong to me. The collection agency has never validated this debt. The collection agency can not prove that this debt is MINE and not that it may belong to someone who happens to share my name. This debt has been previously deleted who also erroneously placed it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been on time payment data removed from my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and falseinformation consists of credit card account 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  - This inquiry was not authorized- Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX- This is an incorrect address - please delete immediately. 


XXXX XXXX - This is incorrect- Please Delete immediately. 

XXXX XXXX - This is incorrect- Please Delete immediately.
Product: Debt collection

Below is the letter i submitted to the XXXX XXXX XXXX ower. He claims that I am in brench of contract for solar panel installation i never signed or had the solar panels installed. The amount he claims that is owned to him {$6600.00} man hour. I cancel the order and never signed the final paper work. The company has sent my information to an collectoon agency which is unlawful. I am having to spend time flighting. I cancel the order In XXXX of 2023, he notified me in XXXX of this matter. This is nothing more than a strong arm method to get me to purchase the solar. 


Dear XXXX XXXX, I am writing to address a concerning matter regarding an alleged contract and payment demand from XXXX XXXX XXXX for solar panel installation. In XXXX, I met with a representative from XXXX XXXX XXXX and expressed interest in solar panel installation for my home. During the initial consultation, I consented to a credit check for qualification purposes only. I explicitly stated that I intended to secure the loan through my credit union if I decided to proceed. 

Regrettably, I was laid off later in XXXX, and I promptly informed the representative, over the phone, that I would not be able to sign the final contract for the installation. Subsequently, in XXXX, I received a notification stating that I am in breach of contract and owe {$6000.00} for labor, with the bill being sent to a collection agency. I want to emphasize that I never signed the final contract, and I firmly request that XXXX XXXX XXXX the order. 

Furthermore, I urgently request that XXXX XXXX XXXX to retract the debt sent to the collection agency and cease any further communication regarding this issue. The situation at hand is deeply distressing, and I believe it to be a case of fraud. 

I anticipate a prompt resolution to this matter and request confirmation of the actions taken by XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove all fraud alerts from my personal credit report. I have asked you countless of times to do so and you are preventing me from applying for housing and a mortgage. This needs to be done immediately.
Product: Debt collection

Bridgecrest has violated all of the following : Fair Debt Collection Practices Act ( FDCPA ) : Communication under 15 U.S.C. 1692c ; Harassment or Abuse under 15 U.S.C. 1692d ; False or Misleading Representations under 15 U.S.C. 1692e ; Unfair Practices under 15 U.S.C. 1692f ; Multiple Debts under 15 U.S.C. 1692h ; and Furnishing certain deceptive forms under 15 U.S.C. 1692j. Truth in Lending Act ( TILA ), for Rights of Recission under 15 U.S.C. 1635 and Advertising of down payments and installments under 15 U.S.C. 1662. 

Bridgecrest is hereby Request to NOT MAKE PHONE CALLS but to send in writing the following : XXXX. A copy of the XXXX XXXX XXXX with proof of my signature, my SSN XXXX, and the correct home address. 
XXXX. Proof of consecutive payments from the deposit, the monthly installment payments, and any documentation which shows proof of address at the time of purchase. 
XXXX. A copy of the Truth in Lending agreement that I signed. ( Sent letter on XXXX ) showing I signed this agreement but I never received any documentation showing my signature. 
ALL DOCUMENTS ARE REQUESTED IN A CERTIFIED COPY SENT TO THE CORRECT ADDRESS.
Product: Mortgage

We sold our house in XXXX  and purchased a house in XXXX  where we now live. Penny Mac was/is the lender for both. They owe us the escrow disbursements from XXXX ( screenshots below ) the XXXX  house of {$700.00}. They told us to sign up for direct deposit into our ( XXXX XXXX XXXX ) bank account that we use to pay our new mortgage online and we did. I called to verify we were signed up to receive the money and we were. They never deposited it. 

I called back Penny Mac today and their automated phone system won't let you speak to a person unless you pretend to be applying for a new loan. After 6 phone calls we finally got a person on the line. They said I had to approve the direct deposit through XXXX ( I guess XXXX is holding the money?? ) I told them to cancel the direct deposit and mail me a check. 

If I hadn't remembered this, it seems the bank and mortgage company were just going to hold my money indefinitely.
Product: Money transfer, virtual currency, or money service

I had money sent to me by cash app for $ XXXXthis happen every month but this XXXX the account was locked. Cash app says they can not unlock the account because of security with no further details.therefore the sender ask for refund he was told no because it the money was in my account.cash app did offer me any way of getting my money and then transfer to my bank account that was attached to account or put in cash app none this is done the just keep my money is this legal