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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My birth certificate was stolen from my car and I need these unauthorized accounts off my credit report.
Product: Credit reporting or other personal consumer reports

Problem : Experian credit reporting agency added a data breach account on my credit report which is XXXX XXXX XXXXXXXX Account XXXX # XXXX. This account is not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

Specialized Loan Servicing took over my loan from XXXX XXXX XXXX in XX/XX/XXXX. I made my XX/XX/XXXX monthly loan payment to XXXX XXXX XXXX before I was aware of the transfer and began paying Specialized Loan Servicing in XX/XX/XXXX and have paid them every month on time from XX/XX/XXXX through XX/XX/XXXX. 
My first payment to SLS in XX/XX/XXXX was apparently applied to XX/XX/XXXX and they have considered me behind on my mortgage ever since. I received a delinquent notice from them in XX/XX/XXXX as a result and learned that my credit had been negatively impacted and called in to dispute that on XX/XX/XXXX. During that call I provided proof of my payment to XXXX  XXXX XXXX in XX/XX/XXXX. I was led to believe that the issue would be corrected. Over the past two months I have spoken with nearly a dozen of their customer service and consumer escalations reps during 10 calls and have provided them once again with proof of my payment to XXXX  XXXX XXXX in XX/XX/XXXX and proof of my payments to SLS from XX/XX/XXXX through XX/XX/XXXX. Nearly all of their reps clearly understood the mistake and claimed to submit cash correction tickets and credit department correction cases on my behalf. On XX/XX/XXXX, I was told that because the payment correction is more than 90 days old it can not be corrected. Because of their mistake and misapplication of my payment, I have had late fees assessed and had multiple delinquent payment occurrences added to my credit report that they are claiming to be unable and unwilling to correct. The amount that they claim is past due amounts to only {$300.00} or so yet they are severely impacting my credit. This is the worst company I have ever interacted with and there is no way that they should be permitted to service loans. Their support staff is friendly, but none of them are able to actually do anything, talk with anyone that can do anything or connect me to anyone that can do anything and it takes an inordinate amount of time just to speak with someone. Please help make them accountable for their mistake.
Product: Debt collection

violation of XXXX XXXX compliance laws, which require that accurate information be reported to credit reporting agencies.
Product: Credit reporting or other personal consumer reports

there are about 32 late payment which pursuant to the protection granted to me by the fair debt collection practices, and the case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this amounts to {$1000.00} per violation, mot including the misrepresentation of the debt and the " creditor '' which would amount to {$32000.00} in violations alone just with missed payments. which would be valid in any district court to be disputed your assumed lawyers.

further more since this is not the first time that I am disputing this debt, and the creditor has continued to report the credit information on monthly basis attempting to continue doing harm to my credit file with missed payments. for defamation and willful injury the following case laws apply. US court of appeals XXXX XXXX XXXX XXXX XXXX XXXX and the fines are defined to be as the extent of the damages incurred by the wronged party as deemed by the courts. this would be another {$32000.00} fine simply because I have disputed this account so many times over and the new found debt collectors have willful denied my right to dispute the debt that is no longer mine. lastly, pursuant to 15 USC 1692c ( c ) - cease and desist. I am legal refusing to pay this debt. since you lawfully refused to validate this debt. any more communication will be pursued in district court.
Product: Debt collection

Harris & Harris XXXX XXXX XXXX XXXX, Illinois XXXXPhone Number : XXXX continually call my phone every morning. I have informed Harris & Harris that this debt is included in Bankruptcy that was file XXXX/XXXX/2014.
Product: Credit card

PayPal and Synchrony Bank For the past three months theyve been taking money out of the wrong banking account and charging me late fees, service charges, and interest on an account that doesnt have interest. Last weekend they closed my account because of three missed payments that was the fault of PayPal and Synchrony Bank not me. I have four other credit cards that have no issues taking money from my bank with digital payments. It seems that PayPal and Synchrony Bank can not figure out the process. They have blamed everybody under the sun but themselves. Ive talked to several representatives, half of them have admitted to a problem on their end. The other half have tried to fix the issue, but the fix doesnt work. Then as of last weekend they deny the issue completely and they said that it is my problem and they dont believe anything I say.
Product: Checking or savings account

I had over 80 small charges, many were for the exact same dollar amount on the same day ( for example {$10.00} shows on one day being charged 7 times in a row ) that I disputed with my bank, PNC Bank. 

I was given provisional credits then they reversed the provisional credits then added in a bunch of overdraft fees to take my account over {$1000.00} in the negative!!! 

I requested a copy of documentation used to make their determination ( which they said they would provide on the notices they sent in the mail ) that the charges were legit and have not received any reply whatsoever. No evidence, no call back from PNC Bank, nothing.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX : XXXX XXXX XXXX Account number XXXX XXXXXXXX : XXXX XXXX XXXX, Account number XXXX TransUnion XXXX XXXX XXXX XXXX, Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

/Complaint against Equifax . Started on XX/XX/2020 to unfreeze my credit report to allow a mortgage broker to access my account for a re-financing of home mortgage. Used my password and user name created way back from the original Equifax Breach, when I froze my account. I have spent a week at their website and my original, very well documented password they say is innacurate. Then I tried the " need help with password, we'll email a link to re-set '' and never got an email after 20 attempts. They have many log in pages on the internet, many of which are dead and not retired. In many cases I kept getting " try again later '' which never worked. Some links don't lead to any pages or don't work at all. I called customer service and was told I had to mail all of my personal information to them. I do not wish to put all the documents that someone could use to steal my identity in an envelope, when I should be able to access my account that has been set up for years. I informed customer service of all the bad logins and bad links on their site and requested she let them know. She said I am not allowed to do that. So, I tried setting up a new account and was successful at getting in to my account only to find out that any link I clicked on to unfreeze my account lead a " try again '' or " this pages is not available now. Today XX/XX/2020 I get an email from them saying login and check your free credit report. I have been to the login page three times and attempted to log in and all I get is, " SORRY, TRY AGAIN LATER. Their website is a total mess and I am unable to unfreeze my account to apply for a lower mortgage rates. 
Back when they had the breach, they had the same issues with their site and service. 
It's deplorable that I can not access my acccount to apply for a mortgage. I am fairly sure that I am not the only one with this problem. Someone needs to go up the ladder at Equifax and let them know of these issues that are preventing us for getting access to our accounts to get a free credit report, or unfreeze our accounts. This is costing me time and money. From XX/XX/XXXX to XX/XX/XXXX and I still can not unfreeze my account This is a very serious situation that needs IMMEDIATE ATTENTION BY THE CFPB.
Product: Debt collection

When I signed up with XXXX  XXXX through XXXX XXXX, I was told I could exit the contract at any time without early termination fee since I am a XXXX 's XXXX  member. 
I was not satisfied with the service and I call XXXX  XXXX  to inform them and told them that I was going to cancel my service. 
1. On XX/XX/XXXX, the amount of {$610.00} was debited from my account. 
2. I called XXXX  XXXX XXXX to complained about the exit fee that was not supposed to be included in the amount due. 
3. On XX/XX/XXXX, the amount of {$610.00} was credited back to my account. 
4. After investigations, XXXX XXXX XXXX determined the charge was legitimate and asked me to call the creditor solve my request 5. On XX/XX/XXXX, the amount of {$610.00} was debited from my account. 
6. I called XXXX  XXXX several times to request the reimbursement of the exit fee without success. Not receiving any positive feedback from XXXX  XXXX, I called XXXX XXXX to complain about the situation. 
7. On XX/XX/XXXX, amount of {$180.00} was credited to my account by XXXX  XXXX. 
I am surprised that Unilaterally and without any contact with me in that regard, XXXX  XXXX sent my account to collection through Credit Management control. This action damaged my credit score and consequently my reputation. XXXX  XXXX XXXX closed two of my credit cards as a result of my new low credit score I request your help to solve this situation as soon as possible with the repair of my reputation.
Product: Vehicle loan or lease

Yes I already filed a complaint against Exeter finance and would like all my payments returned bc the vehicle is sold and I refuse to satisfy payments I have already satisfied and wasnt supposed to be returned and I do not owe them anything and refuse to pay this wen they let someone scam me and return all my payments makes no sense
Product: Debt collection

PRA had my truck repossessed and Ive had my truck for XXXX. My debt was taken care of in bankruptcy court back in XXXX. They have sent a letter now stating I owe for a loan on my truck that was already paid, but didnt send original documentation. They have falsified documents with forged payments not showing accurate payments that were made at all. The debt was charged off in XXXX. I was in bankruptcy during the time the debt was charged off. So they are attempting to collect a debt that was charged off by the original debtor will I was in bankruptcy. Plus ; the debt is past the statue of limitations and is time barred, and no property or collateral can be seized. They are attempting to sell my vehicle and never gave notice of me owing a debt which is the law. Also, I have to have the opportunity to buy the vehicle back at value according to law. They are using harassment tactics to collect a debt that has XXXX been paid. Illegal practices are being used. Now its XXXX and they say I owe on my vehicle they have a lein from the creditor from XXXX. I informed thats not possible especially when my bankruptcy cleared after XXXX yrs and any debts were passed statue of limitations and were considered time barred debts and in after XXXX yrs these debts cant be collected on nor any collateral be seized if that was the case. I have not received any information concerning any debt that is owed : no paperwork has been presented to me at any time stating that I ever owed any debt in the past XXXX yrs nor will they give me any details of what I owe. This is illegal and they came onto my private property without notice. I have no collections or any negative items on my credit for any negative items. Need assistance getting my vehicle back immediately. Something needs to be done Immediately. XXXX XXXX please send a release and letter of forgiveness for this debt that was wrongfully taken. I am a XXXX Veteran and served my country with honor. This is not the way you treat hardworking people who have placed their lives on the line for this country. I paid my debt and honored my commitment to you now please send my letter that shows my debt was taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Appearing on XX/XX/XXXX and Equifax is XXXX XXXX XXXX account XXXX. 
The balance on this account is XXXX dollars not what is being depicted. 
XXXX  automatically says the dispute is frivolous and won't allow a dispute..XXXX breaks the law the FCRA in this regard.
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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX there was a barrage of ads on the radio for XXXX. I was working a dead end job for a large XXXX company and found the allure of making much more money doing similar and more advanced work too compelling to turn down. I went to the school and got talked into a XXXX commitment with the promise of training, and lifetime job placement. Fast forward 6 months and before I even finished classes they were going bankrupt. There was a lawsuit in many states, handled by the XXXX firm that demanded they pay the money back, in response they disappeared and we were left holding the debt with half of our education and none of our job placement. 

All of this to say, I reached out to XXXX XXXX about this and they basically told me tough cookie. I defaulted on the loan in XXXX and have never looked back. In XXXX they sold the debt to XXXX. I have never made payment to this company, they have used aggressive tactics to try and get the money back, and even though there is a charge off issued on my credit they report me as delinquent every month. This is costing me money, and opportunities. I have disputed and called and done everything I can think to do, and its like trying to push over a brick wall getting any answers. Its time I moved on and they did too. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report. Thank you. 
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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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX has violated my rights XXXX XXXX Act # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX acct # XXXX has violated my rights XXXX acct # XXXX has violated my rights XXXX  XXXX Acct # XXXX has violated my rights XXXX  XXXX Acct # XXXX has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # 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.

15 U.S.C. 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information other than records of convictions of crimes which antedates the report by more 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 or other personal consumer reports

I just checked on my credit reports again and I can still see the unauthorized and fraudulent inquiries that needs reporting and correction through your company. I've never authorized anyone to open these inquiries and I have not initiated any transactions to these companies.
Product: Credit reporting or other personal consumer reports

There are several inquiries on my credit report that I did not authorize and are not familiar to me : XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Fraud Alert on credit report since XX/XX/2023 while trying to look for a new apartment on Transunion could not remove and would not explain since I disputed all incorrect addresses, names and other misinformation I could not get into my Transunion account to unfreeze credit report I called and was told to wait 24 hours and call back when I called back they did something and I was eventually let into the account after verifying information after one agent told me there was no information to verify taking even more days to get help. The Fraud alert shows up and so does information form tenant screening when I have no evictions on my public record I have disputed this many times with Transunion and XXXX XXXX XXXX with no help I asked for a debt validation letter with signatures from all parties involved and they refused to cooperate only being hostile and rude saying they will not send me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX is reporting inaccurate information on my credit report for all three credit bureaus for a company called Credit Collections. The company is is reporting inaccurate account name, no of months, payment status, last reported, Date of last activity, and date of last active. This is a violation. I have disputed this information several times starting at XX/XX/2021. I have not received a response. They had had plenty of time to investigate and respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies has violated my rights : XXXX XXXX XXXX ( Original Creditor XXXX  ) XXXX XXXX XXXX XXXX ( XXXX XXXX  ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX - XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX routinely tries to collect a debt past the 4-year statute of limitations. I receive emails and letters asking me to pay a balance that I am no longer liable for, and when I call them they tell me to pay. Then XXXX changed the last date of payment to reflect a more recent year to keep the debt on my credit report. I disputed it with the credit bureaus. This loan was taken out in 2010. This is fraudulent and illegal. It is way past the 4-year limit statute to collect allowed under California law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a credit report from annual credit report that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX. The address that was on my credit report.. On XX/XX/XXXX I sent a dispute letter to all credit reporting agency asking for validation of debit, i then received a copy of agreement with my signature and date of XXXX XXXX. So I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.