23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XX/XX/2023 Cfpb Complaint department To ENHANCED RECOVERY COMPANY Amount {$230.00} Dear ENHANCED RECOVERY COMPANY agency manager, I am writing this letter to bring to your notice the following information added to my credit report. The amount {$230.00} along with the name 11 XXXX are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I would request you to revise the report after due diligence. I request you to XXXX XXXX case number is XXXX XX/XX/2023 Cfpb Complaint department To ENHANCED RECOVERY COMPANY Amount {$230.00} Dear ENHANCED RECOVERY COMPANY agency manager, I am writing this letter to bring to your notice the following information added to my credit report. The amount {$230.00} along with the name 11 XXXX are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I would request you to revise the report after due diligence. I request you to clear my credit report as soon as possible to help me continue business. Please look into this matter and do the needful as soon as possible. Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 2 inquires i've called about and mailed letters regarding. 


the 2 inquires are from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, CashApp 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 lost, and I seek appropriate redress for these actions.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my TRANSUNION credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( ii ) 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 1681s-2 they are suppose to 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

I sent, via certified mail, a formal dispute of items contained in my credit report, accompanied by copies of my driver 's license and Social Security card, to EXPERIAN. The attached document is their response to me, which you will see is a refusal to investigate my dispute because they viewed it as a " suspicious request ''. It is my understanding that EXPERIAN 's tacit disregard of my request is in direct contradiction of FCRA, 15 U.S.C. 1681i ( a ). I greatly appreciate you investigating my complaint.
Product: Debt collection

Arstrat XXXX calls me on a XXXX basis at XXXX times with no information provided. I have no outstanding debts, and have not received any written notice of potential debts. 

XXXX  XXXX voicemails state : Hello this is XXXX XXXX calling from Arstrat. Please contact me or any of our representatives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX again that number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

very very very old debt, out of the statute of limitations, paid in full years ago, and the company has a collection agency attempting to collect the same debt again and its expired from 6 years statute ... I have sent them cease and desist letters and they have not complied. please help
Product: Vehicle loan or lease

XX/XX/2020 I cancelled a Preferred Customer Service Program associated with the Lease agreement. A {$310.00} refund that was due to me was posted to my account as a Security Deposit Increase. The refund should have been credited to my account in the form of a reduction to monthly cost or by check to me. Additionally, my leasing agreement does not provide for a Security Deposit that is not agreed to at lease signing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance said I was late on a payment XXXX of 2020. But has failed to show me proof. I have called them several time and have mailed them bank statements showing I paid in the month in question. I have also disputed it with XXXX, XXXX, and XXXX  and have not gotten anywhere. They are reporting inaccurate information on my credit report which in a valuation against the FCRA.
Product: Credit reporting or other personal consumer reports

Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still 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 and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or repaired immediately. 

XXXX XXXX XXXX and XXXX XXXX.
Product: Mortgage

State Home Mortgage XXXX or XXXX or XXXX call contact numbers that me and many other consumers are having issues with when calling in to get answers on mortgage matters. 

I received a call from State Home Mortgage on XXXX/XXXX/XXXX at approx XXXX EST asking me when do I plan on making payment. I felt that this number one was very unprofessional versus asking me what is going on or if I was aware that they had not received payment. I then explained to the representative that I made my payment via online Bill pay through my financial institution on XXXX/XXXX/XXXX and that the payment was taken out of my checking account on XXXX/XXXX/XXXX. I then proceeded to ask since the check that is cut and mailed out is post dated if I would receive any late fees the rep stated yes if they do n't receive payment by the XX/XX/XXXX. Why is this this does not seem to be fair or ethical maybe I am wrong. 

So I immediately called online bill pay to have an escalation to have them do further research on where the check is. Upon calling back on XXXX/XXXX/XXXX numerous of times and selecting the option to speak with customer service directly again at State Home Mortgage the phone lines kept disconnecting my call as if their were some technical difficulties. Once I was finally able to get someone on the phone they stated they are aware of the issue but it is due to their high call volume. Sounds like they need more representatives. Upon reading XXXX reviews I discovered after being locked out of my online account to review information as it pertains to my mortgage that it seems as if State Home Mortgage has deceptive practices that I feel need to be investigated immediately. One being their phone lines and no one being able to get the answers they are looking for and two getting a call back in a timely fashion upon leaving voice mail after voice mail after voicemail. It is ridiculous and shameful that I have to call 20 something times for their phone line not to hang up on me. Another issue that many consumers are having is not being able to make a payment on their website as the representative suggested to me because they are having issues with Bill Pay. What type of issues when a check is cut and mailed to you all 15 days before I am late with the exception of myXX/XX/XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times over the past two months to dispute and correct a company and account on my credit report that is not accurate. The company is called NELNET, i have an tried to dispute this with all 3 credit bureaus, none of them want to give me any details on the matter. Also this company does not exist. Ive tried calling 5 different numbers and no luck so far. I do not owe both accounts, nor should it be on my credit report. 

NELNET : XXXX amount {$4000.00} NELNET : XXXX amount {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two student loan accounts ( US DEPT. OF EDUCATION/XXXX  ) reporting on my credit file incorrectly. These accounts are not mine and I asked the credit bureaus to validate or remove them. They said the debts were verified and indeed belong to me. 

Either the same account is reported twice on my credit file which is a violation of the FCA or This account is a result of Identity theft. I have filed a report with the FTC and attached it to this complaint. 

I am curious to see how this account was verified. I would like the credit bureaus to send me the method of verification and any information received from the furnisher so I can add it to the file with the FTC so we can properly solved this issue. 

Also you seems to have received new information can you please provide that to me? 

Attached I have all the documents attached.
Product: Mortgage

I lost my job in XXXX and applied for a loan modification which was granted, I was to have the XXXX payment skipped and would start with a slightly larger monthly payment in XXXX. DiTech took the XXXX payment out of my account causing XXXX $ in overdraft fees. I attempted 6 times to rectify this issue without results. My husband also attempted several times to resolve this issue. XXXX payment was taken from the wrong account causing another XXXX $ fee. I spent over 2 & 1/2 hours on the phone trying to clear this up. Our account stayed overdrawn for several weeks
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and my identity has been stolen.
Product: Credit reporting or other personal consumer reports

Fair Collection and Outsource place a joint filing with all three credit agencies XXXX, XXXX and XXXX. All didnt perform a correct investigation of this matter at hand.

1 All three credit agencies XXXX XXXX XXXX XXXX did require Fair Collection and Outsourcing to provide the Purchase Agreement 2 Upon not receiving the necessary documents, Purchased Agreement, this action is fraudulent to the consumer / victim an need to be removed from all credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. I have never been late with payments on this account. 
XXXX  XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

XXXX. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX please delete it immediately. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Product: Debt collection

Received a letter in the mail from XXXX XXXX XXXX claiming I owed {$5800.00}. The original creditor is listed as " GE Capital Retail Bank '' despite the fact that I 've never had an account or any sort of contact with said bank. On top of that, the charge-off date is listed as XX/XX/XXXX even though I did n't have any sort of credit account until XX/XX/XXXX. The claims are completely bogus as far as I know and have no merit to them.
Product: Debt collection

I had recently been alerted to a telemarketing and wire fraud against me from the DOJ by mail. I will include the letter that they have sent me regarding this matter. In XX/XX/XXXX a woman, XXXX XXXX XXXX court docket # XXXX case # XXXX, contacted me regarding a BOA credit card balance that was in collections. She stated that my BOA checking & savings accounts would be frozen, my car would be repossessed, and all of my assets would be seized if I did not pay her {$7000.00} immediately or make electronic transfer payments to her company representing BOA, XXXX XXXX XXXX, in the amount of {$860.00} for 8 months. She scared me half to death, told me she works with BOA law team and I agreed to make the monthly payments of {$860.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX firm. The payments started on XX/XX/XXXX XXXX XXXX XXXX. 

I submitted a claim with BOA about the fraud. They told me it would take up to 60 business days. I sent them all of the documents via certified mail and to their fax machine. Along with the DOJ letter, the Victim 's Rights to be Heard and Obtain Restitution with regards to Debt Collection Fraud Scheme, and the U.S. v. XXXX XXXX XXXX of the NC court where she plead guilty. 

BOA denied my claim because they said that I had waited longer than 60 days to report this fraud. However, I wasn't even aware of the fraud until I received the DOJ 's letter in XX/XX/XXXX. I was under the impression that I had paid off this debt. Now BOA is still trying to collect money, my credit is ruined, this woman is going to jail for 20-30 years, and I can't get my money back.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. After reviewing my report recently there are names, addresses, accounts, and employers on my report that I do NOT recognize. Please delete them. Thank you. 
Names : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Addresses :XX/XX/XXXX 1099 Employee
Product: Debt collection

I keep receiving repeated calls to my cell phone and to my employer. I specifically asked them last week ( XX/XX/20 ) to stop calling me on my cell and employment and if they want to be in contact with me then to do it by email or USPS. 

Today XX/XX/20, same person called again today at my employment wanting to discuss the debt. I again told him to stop calling me and send everything by USPS, and I had to hang up on him ( XXXX  ). He keeps calling from 2 telephone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Account : XXXX has been in violation for a long time now after several letters to Experian . 

XXXX XXXX Account XXXX was XX/XX/2022 with Experian and XX/XX/2022 with XXXX, XXXX Deleted this account for being in violation. 

Also this account has never been " Last Verified '' by any bureau after several attempts which is a violation. DATE REPORTED and HIGH BALANCE were wrong, EXP had high balance of {$10000.00} and XXXX had {$0.00}, XXXX deleted already. 

XXXX deleted the account for being in violation like XXXX did earlier and Experian still is reporting this account. Til Today Exp still has NO LAST VERIFIED date, their XXXX is incorrect as well as high balance, Date Reported is wrong as well. Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I did not consent to, nor benefit from, nor authorize any of the following : 1. TDRCS XXXX XXXX - Account XXXX ; Amount - {$4300.00}
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 Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

With only two payments left on this loan totaling approximately {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was on XX/XX/XXXX the insurance company would not respond to over 11 phone calls choose to finance company the finance company assured me as long as I stayed in touch with them until they were paid I would not go into the quote on quote XXXX XXXX and have my credit affected I called them every two weeks I was unable to make those payments because upon being XXXX from hospital I had to purchase a new vehicle just to be able to get home the payment was double the amount of the first car loan payment leaving me unable between Medical expenses and new car payment unable to pay American Credit again they shorted me they would not harm my credit as you can see they lied I called multiple times and they assured me they would remove it I would appreciate any help getting them to follow through on their word I truly have suffered enough and I'm in desperate need of help for my credit score has left me unable to even qualify for new housing as well as many medical issues extremely necessary like XXXX XXXX so I can try to function again like a normal person