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

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or must deleted. Per FCRA segment 605 you are expected to eliminate any records. 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 XXXXXXXX Balance Owed : {$XXXX XXXX XXXX Balance XXXX : {$XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX XXXX {$XXXX XXXX XXXX Balance Owed : {$XXXX XXXX XXXX XXXXalance Owed : {$XXXX XXXX  XXXX Balance Owed : {$XXXX XXXX XXXX XXXXXXXX Balance Owed : {$XXXX Chapter XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/year> Chapter XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian Credit Reporting Company to remove closed accounts that were fully paid off my report. I asked the same of the other two credit bureaus and they successfully removed them. Experian continues to have 5 closed accounts showing in my credit report. I have sent letters to them requesting they complete an investigation and remove them and they have not done so. The last two letters sent were on XX/XX/XXXX and XX/XX/XXXX. I have attached the letters and my Experian credit report as of today for reference.
Product: Debt collection

On Friday, XXXX XXXX, XXXX, I received a call from XXXX XXXX XXXX a representative from a collection agency named XXXX. XXXX XXXX advised me this was a debt collector and his intent was to collect a debt that had been sold several times from the originator " Continental Financial, Matrix Credit Card. '' He stated I owed upwards of {$700.00} and he planned to seek legal charges ultimately resulting in me paying close to {$3000.00} in legal and penalty fees if I did not pay the {$700.00}. In the beginning, I informed him the debt was paid for less than what was owed ; until I went home and checked my records and discovered that I received a letter from Continental Finance ( CFC ) stating I was due a refund or at least since my account was a " charge off '' left me to believe I was no longer responsible for the debt, because the letter from Continental Finance clearly states " Charged-off '' accounts are accounts CFC determined are not likely to be collected and are closed to future charges. Since then, this account has been removed from my credit report as I assumed this was finally settled. Initially, I was in contact with several representatives from CFC such as collection manager " XXXX '' XXXX XXXX ) and CFC representative XXXX XXXX XXXX XXXX ; FAX : XXXX ) advised him I was in possession of the letter from CFC dated XXXX XXXX, XXXX that originally explained the consent order and how the " Charged-off '' account worked as described in the letter from CFC and the Consent Order from CFPB. I made several attempts to contact CFC directly ; however, they informed me they sold the account and they no longer could comment on the case I would have to contact the collection agencies to obtain information. I again talked to XXXX XXXX who informed me I was to send him a fax stating I had paid the bill ; however, when I attempted to explain to him the mix-up, he refused to listen and stated he was going to order his staff to begin the legal process against me by checking assets, financial and employment reports ; in addition, not only would this lead to increased fees, but criminal charges may also apply as well. I took this as a threat, even in the initial telephone conversation I was not able to give a full explanation concerning this issue as XXXX XXXX insisted on interrupting me with threats to pursue legal actions. According to your Consent Order to Continental Finance in XXXX Order to Pay Redress, item # XXXX ( XXXX ), ( i, XXXX, XXXX ), it addresses the issues of " Charge-offs, '' if I am reading it correctly, this case should be closed and can not be enforced. I mentioned earlier that several other collection agencies have purchased this account ; however, I have heard from none of them until I reached out to them all on XXXX XXXX, XXXX based on information I received from CFC. Agencies such as XXXX ( XXXX ), they claimed I owed {$640.00} ; XXXX ( XXXX ) who claimed I owed {$660.00} on account number XXXX, and finally, XXXX XXXX XXXX ( XXXX ) XXXX, I spoke with XXXX who then transferred me to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. Please delete these ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several disputes letters to Transunion and XXXX informing them of the fraudulent and unauthorized inquries on my credit report asking them to remove them. These are the list of inquries that needs to be removed from my Transunion and XXXX report immediately : XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX Transunion 's nor XXXX 's Customer service nor the fraud department would help to remove these inquries from my credit report even after I submitted the information to them for these items to be removed.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX - XXXX - {$510.00} XXXX XXXX XXXX - {$0.00} XX/XX/XXXXXXXX - XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
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 EXXXX These actions have caused significant inconvenience and XXXX XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and tried speaking with a guy who answered the phone on credit card from 5/ 3 bank. I tried to explain to him that the lady I spoke with the night I called and told her I had my balance transfered to another account and I paid XXXX which was what the phone amount stated when I called for balance on credit card. But when I had the XXXX transfered over. The valance it quoted me was wrong I only owed XXXX?? But didn't remember change amount. So I called the bank and the lady told me two different amounts. One was XXXX and the other was XXXX? So I finally got her to tell me the correct amount and I even rd her several tines I had the valance transfered all except the smaller amount left. Which was XXXX? So I asked her to take that amount out i of my checking account and that the guy lied to me on high charges ud be having to pay which Id even ask interest ea month or charges just to use the credit card etc. He stated no. But when I used the card I seen they were charging my almost XXXX ea month just to use that card. So that's when I transfered main amount to another card and I paid the rest XXXX? And I even told her I was then cutting up the credit card due to I refuse to pay close to XXXX ea month just to boost my credit score. 
So a month or so later I seen that XXXX was taken out if my checking account. Shed took not only the XXXX? I still owed on the card but also took XXXX out of my checking account also. This was what I was trying to tell the guy I spoke with. That now because the lady messed up and XXXX XXXX instead of just the XXXX?. I told him I'm not paying two different charges on same amount when she messed up. So he put the XXXX back into my checking account like I asked. Which I thought this straightened it all out. But I now see he turned right around and put it to were I was having to pay the valance twice again. So I'm fighting this due to I transfered the XXXX dollars from XXXX credit card to my XXXX XXXX credit card which gas been paid off already. But you refuse to acknowledged my explanation on what I did and how I refuse to pay again for there mistake. Which this will be the third mess up this checking account gas done since 2012. 
I told them one more ness up to were I'm being charged for amounts that your receptionist mess up. That I'll close my checking account and bank from some where else. So this is what I'm going to do next month right after I get paid so I have time to contact the open accounts and give them my new account Number from a new bank.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXXXXXX XXXX XXXX ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section XXXX XXXX b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX For years I have been asking the credit bureaus for assistance in the removal of inaccurate information from my credit report. I was a victim of misleading tactics by a dealer and ultimately predatory lending tactics by their lender. These tactics caused years of financial hardship all because I was forced into a loan for which I could not afford. Dealer personal not only made false statements to secure an approval but they provided in house down payments on my behalf and even made me believe I would get gainful employment, if I were to buy the car. All of which were lies. That's not why I am here. 

I made multiple dispute attempts and all of which were denied and I was again not given fair opportunity to address my case. I suffered years of financial hardships due to the malicious nature of the selling parties. Now as many years have passed I am once reminded of this event. That's not why I am here. 

This account mentioned about is aged over 7 years and should no longer be reported on my credit bureau. After multiple attempts to gain a solution Transunion and XXXX denied any and all of my attempts to exercise my rights under federal law. 
This is why I am here.
Product: Credit reporting or other personal consumer reports

I need need all inquiries that do not have an account associated with me that is active needs to be removed under the law of 18 usc 1028A
Product: Debt collection

A debt was incorrectly reported to my credit file. I disputed it, but the Synergetic Comm. still insists the debt is mine. They have not provided any proof that the debt is mine.Please see the details below. 


Report Number XXXX Date Generated XX/XX/2024 SYNERGETIC COMMUNICATION Account XXXX
Product: Debt collection

A person by the name of XXXX keeps calling me at work every single day numerous times. 

Being very rude even when I told him to stop calling me at work and that I Can not get personal calls during business hours. 

He is very rude to my coworkers when they answer, and he said he did not care I am not allowed to get personal calls at work that he will keep calling. 

This debt is under a Debt Settlement Program and we are already working on this, but he keeps calling non stop.
Product: Credit card

Venmo XXXX XXXX XXXX Credit Card. They have started to charge a paper statement fee of {$1.00} per statement. The only way to access a statement is through the app on the phone. There is no other place to access the statement online, such as a laptop or computer. The credit card statements are not available on XXXX or XXXX
Product: Credit card

I purchased XXXX Apple Watches, XXXX XXXX XXXX plus plans ( XXXX plan for each watch ) and XXXX Apple Watch band using the Apple Card monthly installment plan- XXXX XXXX separate installments. On XX/XX/year> I returned XXXX of the watches and was refunded for the amount of that watch on XXXX installment and I canceled the care plus plan that was {$79.00}. The watch was refunded but the {$79.00} for the care plus plan was NOT and it is still showing on my installment plan as an amount I have to pay out. The second watch I kept but also canceled the care plus plan that was another {$79.00}. That {$79.00} was refunded. 
I have XXXX emails from Apple that state they canceled both care plus plans and that I am due a refund for both but only got XXXX! I have submitted a dispute which they denied saying they already refunded {$79.00} BUT I am due the second refund as well for {$79.00} and they refuse to credit my installment on my apple card. They are horrible to work with and basically have stolen my money and now wanting me to make installment payments on a plan I no longer have and was told would be refunded!
Product: Credit card

i called to report my card was fraudulently used. Later to find out it was a vendor from online and we worked it out. however. the card had been cancelled and i waited for a replacement. the replacement card arrived. it could n't be activated. the card issuer demanded license and ssn card copies. THIS IS ILLEGAL. the id i can see. the ssn card is illegal to ask for. I did n't use that card to open the account. it should n't be required now that they have my money. I have been kept from viewing my credit card histories online. charged when i want to find my balance. my rights are being stepped on. I demand action against XXXX and ask that they be shut down permanently for unbusiness like conduct.
Product: Debt collection

XXXX XXXX account # XXXX XXXX XXXX account # XXXX This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Debt collection

XXXX XXXX/ XXXX is a fraud ACCOUNT that I had no knowledge of. I never opened an account with this creditor and it's illegally reporting on XXXX and XXXX. Can you please remove this fraud account. I have asked multiple times to provide a contract with my signature which the credit bureaus mentioned have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXXXXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681, section 60 for a section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions. 


4 U.S.C 1666B : a creditor may not treat a payment on a credit account under an open and consumer credit plan as for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called the end of XXXX inquiring why my credit report still showed a current repossession and that my account is closed dating back to XXXX. Vehicle was repossessed in XXXX and we paid all fees up to date and got vehicle back within a month. Every payment, twice a month, have been paid on or before the due date like clock work. Called CCM finance on XX/XX/23 because I was informed they have reported all of my payments as late and still are reporting my account as repossessed/closed and sat on hold for over a hour. Left a call back request with my number and no response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX, Account # 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 a account without my written instructions.
Product: Student loan

I have a student loan with ACS Education Services from my graduate education. I 've paid my bill on time for years and have my account information stored on their website. In XXXX, I missed a payment due to forgetfulness and once I remembered XXXX attempted to pay both months to get current. On XXXX XXXX, I paid online and went about my business. I received email notifications from ACS ( " payment scheduled '' on XXXX XXXX and " payment received '' on XXXX XXXX ). On XXXX XXXX, ACS sent an additional email saying the payment was rejected due to " unable to locate account. '' This is a bit odd because all my banking information is stored on their website and I have n't changed anything. I checked the account number and everything was accurate. I called ACS helpline and asked for guidance. The customer service rep was polite, but did not have access to the details of my account and thus could n't tell me what was going on or why the payment was rejected. She advised me to pay again. On XXXX XXXX, I logged in and once more scheduled a payment for both XXXX and XXXX. I received email notifications from ACS ( " payment scheduled '' on XXXX XXXX and " payment received '' on XXXX XXXX ). On XXXX XXXX, once again, ACS sent an email noting my payment was rejected due to " unable to locate account. '' Even after the payment was rejected, the website showed the account as paid and for a day or XXXX would not let me schedule a payment. On XXXX XXXX, I called ACS and made a phone payment for XXXX On XXXX XXXX, I logged in to my ACS account online and reentered my banking information -- literally nothing changed, I just re-entered the numbers -- and scheduled a payment. This time it went through, and with the phone payment everything ( for now ) appears to be up to date. However, we 've received a letter from ACS threatening to report me as late and negatively impact my credit score. 

My complaint can be stated more succinctly : their system for payment is immensely confusing, communicates conflicting or incomplete information, and generally seems designed to not work. When the system inevitably breaks down, there seems to be no one available to talk to in order to resolve problems. And as consumers like me scramble to fix something that seems made to be just out of reach, ACS sends letters challenging me for my lapses. I do n't mind being held accountable for paying back my student loans, but I would hope ACS can also be held accountable for its servicing of my loan.