23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. Cavalry Portfolio 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 XXXX Acct 's XXXX, XXXX, and XXXX has violated my rights, XXXX XXXX XXXX Acct # XXXX has violated my rights. 15 USC 1681 Section 602 A States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

Some years ago my information was used to obtain a used car from XXXX XXXX XXXX in XXXX, FL that has since closed. After getting paperwork in the mail " thanking me for my purchase '' I immediately went down to the lot where the manager gave me the number to the financial provider for the car and would not give me the information on the person that actually got the car. After contact the loan provider we got things situated and my information was " deleted '' off of the car and everything had went back to normal. In XXXX I pulled my report and noticed that Summit Financial has started reporting for the balance of {$8000.00} for the XXXX XXXX that I did n't own or posses. I immediately contacted them and the loan officer that i had spoke with prior to see what the deal was and why it was still connected to me. I was told since my name was originally on the paper work even after having my name removed ; that It still had to be reported to my credit. Even though I found that hard to believe. They had me to believe that even though i had no ties with this loan ; it had to sit on my credit for 7 years according to Summit Financial. I am preparing to be a homeowner and had a meeting with my banks home loan manager and pulled my credit all for me to find out that Summit Financial never even after 7 years deleted this off of my credit. They actually reported for an extra year. NOW, adding fees and renewing this debt that I do not owe them! This getting out of hand with the lies and the run around that i 'm getting at this point.
Product: Debt collection

They are trying to collect on a XXXX payday loan debt, but i will refuse to pay and i do not want them to call me anymore!!!
Product: Credit reporting or other personal consumer reports

I have requested debt validation from these companies.I have also disputed the inaccurate accounts that have been reported
Product: Prepaid card

I have been trying to open an American Express Serve One VIP prepaid account for the past month and a half, with no success. I used to have a Target Prepaid REDcard by American Express, which I closed in order to open a Serve account. On a recorded phone line on XXXX XXXX, 2016, XXXX in Account Protection Services stated : " rest assured that you will be able to sign up for another American Express Serve card. '' Nevertheless, despite numerous attempts online, over the phone, and by mail, I am still unable to open a Serve account : I keep on getting " Unable to Sign Up '' errors on the webform. I contacted them by certified mail on XXXX XXXX, 2016, and have yet to receive a response. The whole thing has been a big waste of time, and as of XXXX/XXXX/2016 I still am unable to open a Serve account as promised. I believe that American Express Serve is discriminating against me and similarly situated customers, and is not exercising due care in the management of personal data on their finance platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX continues to mark my credit report as 30 days late even though my online records show the on time payment was definitely made from my XXXX checking account. I don't deserve this mark on my report and even though I've explained this to them as well as file a dispute with all of the major credit agencies, they refused to remove the incorrect information and continued to apply penalty late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the bureaus to do verification and they sated that everything was accurate. I did thourough research myself and found improper innacuracies on credit report even after they did the careful research.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have sent several complaints through the CFPB to Experian regarding inaccurate information. Experian is using stalling strategies so that they want have to address my the inaccuracies on my credit profile. They response to me through the cfpb is always that they need Authorization from me to complete a dispute. Experian been had authorization to complete all my disputes. I've also sent Experian a copy of my license, social, and proof of residency on numerous occasions. Im asking hereby demanding Experian to complete all my previous and future investigations in a timely manner. or I will sue through the cfpb because this is against the FCRA guidelines and Experian has a duty to comply with all rules and regulations of the law.
Product: Credit reporting or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/year>, I submitted a payment of {$280.00} to Mohela via their online platform to pay off XXXX of my loans in full. I received and will provide a financial bank statement confirmation of this payment being withdrawn from my primary checking account. I reached out to Mohela in XXXX to inquire whether or not that payment was received and I received an email back letting me know that there was a message in my Mohela inbox. When I logged into Mohela, I was met with a login page letting me know that Mohela was transferring systems and that I was not able to view the message. 

When I received the new login platform availability, I was able to log in and review my account. Upon logging in, I observed that not only had my payment on XX/XX/year> not been reflected in my account, but that it was continuing to accrue interest. I reached out to Mohela the week of XX/XX/year>, to find out why my payment had not been reflected despite it being pulled from my bank several weeks prior, but have not heard back. 

As my account continues to accrue interest, I am now filing a complaint with the CFPB to seek a resolution and possible remediation. I can't help but assume that a company as dishonest and predatory as Mohela may be doing this on a larger scale, intentionally or due to gross negligence. If they are delaying payment processing for one person, even profiting less than {$2.00}, it stands to reason that they may be doing this to hundreds of thousands of borrowers, to the tune of hundreds of thousands of dollars in ill-gotten gains.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a validation of debt letter to Quantum Collections because I noticed an erroneous reporting from them. I received a response back from the company, that stated I owed the debt and that it was validated. I received a print out of charges and also a contract that I DID NOT fill out and my social security number is CLEARLY missing from this alleged application that I completed. 

In response to the companies erroneous report, I sent an additional letter On XX/XX/2019, letting them know that I have never heard of their company, done business with their company and advised them that I was certain that they did NOT own an athletic club. I asked them when did they started running an athletic club and ask them to provide me the dates and times or video footage of m XXXX working out. 

Furthermore, on this alleged contract, it DOES NOT state in any capacity that I agreed to pay any interest on any debt owed.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. The specific account ( s ) in question include : * Account Name : XXXX XXXX XXXX Account # XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. * CRAs must block the information within four business days of receiving the required documentation. 2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information. 3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. * I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ). 2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 3. A revised copy of my credit report reflecting these corrections. Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter I sent on XX/XX/XXXX was my XXXX letter informing the Credit Bureau that I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an identity theft. These items are unknown to me. Also, the information that some Credit bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was 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. 

A copy of my Utility Bill, drivers license, W2 for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. Below are the details of the accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi, XXXX  the XX/XX/2023 I asked my Friend to send me money so I could cover a bill I didn't have the money for due to be losing my job. My friend sent me the money after I didn't need it anymore because my employer finally paid me what they owned me. 
So I went into the Paypal.com account to refund the {$200.00} back to my friend.

When I clicked on the refund to refund my friend paypal.com went into my checking account and withdraw {$200.00}. 
Paypal.com should have taken the money in my paypal.com that is where my friend sent the {$200.00} and returned the money and they should have not taken a fee if they were going to refund the money. 

Now my personel checking account is overdrawn some {$200.00} plus bank fee of {$36.00}. 

I bank with XXXX XXXX. 

I need the money returned to my checking account at XXXX XXXX, and the money in my Paypal.com account refunded to my friend XXXX XXXX. 

My friend is XXXX XXXX My Paypal.com account is email : XXXX If you have questions please call or write me back. 

my address is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX california XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

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

This is another attachment with proof that I sent by mail today XX/XX/2021 another dispute to Experian To remove immediately the negative accounts from my Credit Report Experian is the only agency that isnt willing to collaborate I will present this proves to the judge
Product: Debt collection

XXXX XXXX XXXX XXXX. Is practicing predatory and fraudulent collections practices. 

They have enlisted Receivables Performance Management RPM to collect an erroneous and fraudulent debt that they have added to my credit report without any attempt to notify me of the fraudulent debt. Nor has either company given me a chance to dispute this debt. 

In addition, they have not provided any valid proof to substantiate their abusive and malicious tactic to try and destroy my credit. 

They have not provided any dates for which the debt occurred ; nor any type of agreement or authorization of such debt. Where is my signature? What is this for? When did it occur? 

They added this collection to my Credit Reports at the end of XXXX. This has harmed my business as I was in the process of acquiring a loan to expand my business. I will not qualify with this erroneous collection on my record. 

They are in direct violation of Fair Debt Collection Practices Act ( or FDCPA ) and the Fair Credit Reporting Act ( or FCRA ) so I will be filling a complaint and will be seeking financial restitution for the credit harm this company has imposed on me and my financial well-being.
Product: Debt collection

I became sick due to XXXX and fell behind a couple of months on the car note payments- XXXX XXXX XXXX XXXX account # XXXX The collections department from Friendly Finance Corporation has XXXX sending multiple emails regarding the car being placed with dispatch in order for them to repo the car on XXXX XXXX I made XXXX payment of {$410.00} and for the payments to be placed in an arrangement. 

I believe that the contract that I signed with Friendly Finance Corporation for this vehicle is a misrepresentation of what should be an honest contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently denied credit and was told it was due to Navient reporting recent lates. My student loans are deferred as a current student and should never have been reported late. Even when the deferral was verified/submitted, they did not correct my credit report. This company is absolutely terrible and now I'm paying for them.
Product: Mortgage

In XX/XX/XXXX, I request which I had made to Bank of America to have my mortgage modified was granted. In XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, I was instructed that I would have to go through a trial period for the months of XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, to show that I would be indeed be able to make my payments as instructed. I was also instructed that during this period I should not pay more than the amount instructed as then I would not be in compliance with the terms of the modification agreement. I accepted this agreement and for those months, I made the payment amounts as instructed by Bank of America. My payments were made on time each month in the amounts specified. At no time was I informed by Bank of America that in making these modified payments, as instructed, my payments would be reported to the credit bureaus as being late. 
When I discovered that my payments for the above mentioned months had been reported as late, I contacted Bank of America. I requested that an explanation of some kind be sent to the credit bureaus as my credit was now very badly affected. A representative of Bank of America instructed me to send them a copy of my credit report indicating these late payments. I did so. I received no further communication from Bank of America, even after leaving messages for the person who had contacted me stating that she was my Customer Advocate. I was able to eventually speak to someone several weeks after the initial contact with the Customer Advocate. I was told that the Advocate had transferred to another department, thus the lack of follow-up from them. I again stated my case and made my compliant that I had not been informed that making modified payments would constitute late payments and this had never been told to me. 
On XXXX XXXX, I received communication from Bank of America stating that they can not remove the negative reporting from my file.
Product: Credit card or prepaid card

In XX/XX/2021 I applied for a credit card and subsequent balance transfer with Wells Fargo. The card was approved but the available credit was not what I requested. I subsequent contacted Wells Fargo immediately and spoke to a representative in new applications and requested to have the credit cards closed and the balance transfer rescinded. Two different Wells Fargo representatives assured me that this would be done. Wells Fargo sent me an unwanted credit card and completed a balance transfer that I did not request and charged me {$100.00} in fees. I have spent over XXXX hours attempting to give this issue resolved. I spoke to a Representative named XXXX in customer advocacy who hung up the phone on me twice on XX/XX/2021 after i simply asked to speak to speak with a manager or another associate because he was extremely rude and unhelpful. Wells Fargo needs to closed this account and undo an unrequested balance transfer and return my {$100.00} in fees that they charged me for a service that i did not request.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX