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

BANK XXXX XXXX, XXXX XXXX, JPMCB CARD, XXXX XXXX, XXXX XXXX XXXX, and XXXX put negative information about me to the credit bureaus. These companies are attempting to collect a debt on the basis of XXXX. These companies breach of fiduciary duties, failure of consideration, misrepresentation of material fact, unjust enrichment, no loan or consideration was given. I understand that you shouldn't put any information on my credit file unless I authorized. Provide me with strict proof section 609 ( a ) ( 1 ) ( A ) I authorized this account such as signed applications and contract in wet signature showing, invoice accordance with Bills of Exchange Act 1882 and the actual accounting shows a loss. Provide proof claim with evidence you have legal and lawful authority with to collect. Failure to substantiate the claim, please settle account immediately. I'm challenging this account with these credit card companies. I will further pursue all of my legal remedy without further notice to credit card companies. Please Close and Delete these accounts immediately. Cease and desist ALL collection Activities. Account fraudulently opened in my name with XXXX XXXX XXXX is debt collector Under the FDCPA, a debt collector is someone or business who regularly collects debts owed to others which triggered liability under Sections 15 U.S. Code 1692e - False or misleading representations and multiple violations of Federal Debt Collection Practices Act ( FDC PA ). debt. A debt collector does not have the right to communicate without a prior written consent period. 1 ) 15 U.S. Code 1692b. 15 U.S. Code 1692e. False or misleading representations. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. A debt collector does not have the right to communicate without a prior written consent period. VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY.
Product: Credit reporting or other personal consumer reports

I am writing to request the method of verification used to determine the accuracy of the disputed information on my credit report. 

Previously, I informed your agency through CFPB Complaint 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  is inaccurate. However, your response indicated that the information was " verified. '' As such, I am now requesting clarification on the specific method used to verify the accuracy of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed some items on my credit report. Experian has come back and said they were " Verified as accurate and belonging to me. '' I have continuously told them this is not true. One of these items is a collection for XXXX. Again, they verified this as mine and accurate according to Experian. However, I have received a letter from XXXX XXXX XXXX who i contacted because they show the collection company on my report for XXXX. They responded to me with a letter stating they can not located anything for me. I have attached that letter and the items I have been disputing. It is clear Experian has been lying and they clearly did not verify this as mine since the collection company themselves have stated they have nothing on file for me. This also tells me they have lied about verifying any of the other items as mine.
Product: Debt collection

I received a call threatening me to pay {$13000.00} on a vehicle that I purchased in XXXX. They said I should have continued to pay insurance. They threatened me that I would be served within the next hour. They also said the old credit will be added back to my credit report destroying my current credit score. They had all my credit cards limit and all public record information This message is intended for XXXX call us pertaining to case number my name is XXXX XXXX the county XXXX  division this call is notification that attempts will be made issue certified legal documents requiring your signature if you will not be available to sign or if any changes need to be made to the time date or address of service or for more details you must contact issuing firm ______ handling your case their contact number is XXXX and reference your case number failing to contact the issuing firm may result in a failure to appear to be issued in your name this is a very time sensitive matter you have been notified
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 ( 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 redres for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint and I did not hire credit repair company to file this report and its not filed by a 3rd party. 

In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account Name : DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice an account on my consumer profile upon return from military XXXX, someone opened a fraudulent account in my name and was paying it somehow but i noticed it when i started getting notifications from my consumer profile report. i have stated to this company and now i am notifying the credit bureaus that this is a fraudulent account obtain in my name. i asked this company to send the original contract with my wet signature, the company could not provide this information therefore proving that this contract is fraud and does not exsist. i am the only natural person that can validate or give consent of an obligation that you the debtor says belongs to me 15 USC 1692 ( E ) this is a violation of federal law. I dispute the validity of this fraudulent account which the company has failed to show or provide me with the original contract. This has caused me hardship because i have not been able to obtain credit because of this companies failure to remove debt in 30 days i have filed an affidavit in federal court for damages pursuant to federal law! 5 USC 1692 ( K ) this company is liable to such person the sum of XXXX according to the F.and can be filed in the XXXX XXXX XXXX This company must be removed from my consumer profile XXXX XXXX C/O XXXX XXXX XXXXXXXX XXXX, fl XXXX XXXX XXXX XXXX.
Product: Prepaid card

Fraud on my name and accounts not me accessing any of my information so dont let use it add cash Im my name XXXX XXXX XXXX
Product: Consumer Loan

I have an auto loan with Santander Consumer USA bank. I have sent in my payments, but unbeknownst to me, the payments were returned. I was not aware of this, nor have I received any calls or notices from Santander regarding this. I sent in a payment with a letter requesting that I be able to pay half of the {$530.00} in 2 monthly payments, on the XXXX and XXXX of every month because {$530.00} taken in one chunk was really hard for me. I did not hear back from Santander with regards to my request. I sent in my payment of {$260.00} on XX/XX/XXXX and a couple of days later, my car was repossessed. I then called Santander and was told that they do not receive any correspondences as the payments go to a different department so any correspondences attached to the payments are not forwarded to the correct department. I sent in another letter, this time to their main address informing them I had submitted a payment and a letter and that I would like them to reconsider auctioning off my car and accepting my request to split the {$530.00} payment into 2 payments. The letter was sent to them on XX/XX/XXXX. It is now XX/XX/XXXX and I have not heard anything back from Santander. No response or phone call. I explained to them that I am the sole provider for my household and that I am not trying to get out of making my monthly payments, but just simply splitting the payment into 2 payments per month. I also sent in a letter to them in XX/XX/XXXX asking for explanation of fees, however, they did not respond. I called the repo company that Santander hired to take my car, twice to ask if I can get my personal items out of my car, however, I did not receive a call back from them either. This was my only means of transportation and they have caused me a lot of stress. What kind of company is this, who does n't respond to their customers?
Product: Debt collection

Specialized Loan Servicing, XXXX XXXX : Refinanced my HELOC about 4 years ago. They represented it as a 30 year fixed loan for about $ XXXX. I asked for a letter confirming this and got it. 
About 2 months ago, XXXX XXXX XXXX XXXX notified me they had possession of the loan and I was to repay them. No one knew anything about the 30 year fixed loan from SLS. Weeks later I got a notice to pay $ XXXX in back interest on the loan. I protested and they backed down. Now they 've decided the full amount $ XXXX or so, is due on XXXX XXXX, 2016. They declined my request for a refinance. Something is very wrong here. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I lost my job, and XXXX repossessed my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to XXXX multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. 

In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with XXXX and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over three years ago? Was it sold, Shouldnt it be listed as a charge off? And if its a charge off, should it be listing late payments still? And why is the balance still the same, was the car not sold? 

I called XXXX again this past XXXX of XXXX, and a representative told me that the account has been charged off for years, well if this is so, why is my credit reports stating different? 

Every month the credit bureaus are allowing this company, XXXX to report inaccurate information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. 

This company is updating incorrect information every month, and although I have disputed these inaccuracies in writing with Transunion, XXXX and XXXX they still allow this company to destroy my credit by reporting unverified inaccurate information every month. 

This account is intentionally destroying my credit file. 

I am in the process of trying to establish a better life for my children and myself, but I can not because every month, this company XXXX XXXX XXXX destroy my credit worthiness by reporting inaccurate unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX Experian, and XXXX  my FTC ID Theft Report # XXXX & # XXXX on XXXX XXXX 2018. I asked by letter accounts The XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX ( {$460.00} ), and XXXX XXXX XXXX XXXX {$1000.00} be BLOCKED from my credit file under the FCRA section 605B. Talking with a XXXX   rep on XXXX/2018 he informed me that XXXX does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the XXXX  website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. XXXX, XXXX, and Experian received my ID theft report and police report # on XXXX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.
Product: Debt collection

XXXX a letter was sent to the company to validate the debt of {$950.00} not verify, on XXXX the company failed to sent the proper docs, paperwork needed to validate the debt.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I looked at my report. I sent a letter to Experian on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXXAccount number XXXXXXXX XXXX XXXX XXXX-Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount number XXXX XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( i*promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681 eb they are supposed to ensure this b ) Accuracy of report 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. and according to 15 USC 1681s-2 this is supposed to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii ) the information is, in fact, inaccurate. 


Experian really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The credit bureau must verify this account by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report this account as unconfirmed information without validating it within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely DELETED : XXXX XXXX XXXX
Product: Student loan

Navient ( formerly Sallie Mae ) has been contacting my family members and friends regarding my account and I have no idea how they obtained their personal information. I believe this to be a violation of personal information, not only for me, but especially for those who are now being contacted on behalf of Navient. When I applied for/obtained the student loans while attending University, I only included my own personal information and never referenced any of these individuals at any point. 

Thus far, two family members and my boyfriend have reported that they received calls from a Navient representative today ( XX/XX/2019 ) requesting to speak about my account. The incoming number that displayed on their phones was : XXXX and the callback number they were provided was : XXXX ( along with a reference number ). If need be, I can share screenshots of the messages I received from them notifying me of the " odd calls. '' At this time, I am refraining from sharing them because their personal names/details are viewable and I do not want to risk further exposure for any of them. 

I have never shared personal details associated with either of these family members nor have I ever shared any personal details related to my friend. Of the two family members that were contacted, only one shares the same last name as myself which has led to further confusion regarding how Navient obtained their personal information. Additionally, both live in a US state that is not associated with my previous residence/University and we only keep in contact through social media/email ; not even I had their personal numbers. I thought it might be possible that Navient is obtaining their information via my XXXX social media account ( although I have it set to " Private '' at the highest level ), however, it would not explain how they obtained my boyfriend 's information since he does not have any online social media accounts and he intentionally avoids sharing personal information ( especially contact details ) online.

Based on the information that has been relayed to me by these three, Navient contacted the first family member ( same last name as myself ) and then contacted the other ( different last name ) approximately 30 seconds later. It is not clear to me yet as to when they called my boyfriend ( he notified me via text message that they contacted him while he was at work ), nor is it clear as to who else they may have tried calling to discuss my account. 

Again, I am extremely concerned as to how Navient obtained personal details of individuals whose information has not been shared with them before. I called Navient via the provided callback number during business hours, however, I was unable to successfully get them to address this. When I made contact with a customer service representative and began discussing the occurrence, they informed me that they were transferring me to a different department, and then the call disconnected. I tried calling them three different times only to experience the same disconnect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a bank account in my name at Wells won't the name and took out a loan. It showed up on my credit report but it wasn't me. I called filed a complaint and was told it would be investigated and fixed. But never was and after several failed attempts to find out about investigation. Still nothing.
Product: Debt collection

This company has ignored my request for validation which was sent in XX/XX/2018. instead they are harassing me with settlement letters. They want me to settle a XXXX debt for {$170.00} yet, will not validate this debt as I requested and my right under law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past I contacted Experian about fradugelent information on my credit report and they did not delete it and continues to report wrong information. I have send a police report & identity theft report for these accounts XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX . They are showing names that do not belong to me XXXX XXXX, XXXX XXXX, XXXX XXXX, this is not my name and should be corrected and only have my name listed as XXXX. XXXX. I have never lived at XXXX XXXX XXXX XXXX, Il XXXX, XXXX XXXX XXXX XXXX, XXXX, Il XXXX or XXXX XXXX XXXX, XXXX, IL XXXX. There are also inquires that I did not give anyone permission to look at my credit for XXXX, XXXX XXXX XXXX, and XXXX XXXX
Product: Debt collection

XXXX XXXX acct # XXXX. For several years they have tried to collect a debt for a fraudulent account opened in Illinois. I have never been there much less lived there. I have endured collection agencies and submitted their so called fraud packet. Convergent Outsourcing is their debt collector. All say I either have to pay or submit a fraud packet. I have twice. I just got off the phone with a CSR based out of the XXXX. In frustration, I asked for a supervisor. He advised one was not available and simply hung up. Is this reasonable? I am trying to get a mortgage and this 200.00 fraud account is holding me up. Do I just have to pay because XXXX is big and can simply bully their way to getting money? For the record, I have XXXX other XXXX accounts that have always been in good standing.