23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the Credit Bureaus last XX/XX/XXXX requesting that the Credit Bureaus conduct an investigation and correct the information being reportied by the furnishers. I have also sent letter before the said date and have been waiting for the Credit Bureaus to responf and yet they have sent me nothing. The 3 credit bureaus must validate these accounts in line with FCRA 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 XXXXXXXX Balance {$1200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$270.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} Date opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PA CHILD SUPPORT XXXXXXXX XXXX  XXXX XX/XX/2012 Amount : {$1300.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts dont report this type of account. 

Its also a violation of permissible purposes, they need direct written consent from me to report anything on my credit report.
Product: Student loan

I am trying to get help paying my monthly payment. I have talked with customer service multiple times about a rate reduction plan or any kind of assistance and they keep telling my they arent able to offer any assistance. My payment is {$1900.00} per month which leaves me no money for my bills at all and Im in the negative $ XXXX. I sold my car and lower all my bills. They refuse to help me. I am able to pay {$800.00} a month and they wont accept that at all.
Product: Credit reporting or other personal consumer reports

This is to express my profound frustration about the unresolved inaccuracies on my credit report, specifically concerning the late closed and charge off accounts. This marks my many several attempt to address these issues, which continue to negatively impact my financial health and trust in your organization. Since I have diligently provided all necessary documentation and adhered to your company 's procedures to dispute these inaccuracies. Despite many assurances that the matter would be resolved, the accounts remain incorrectly listed, and the accounts have not been removed. The persistent presence of these inaccuracies on my credit report is unacceptable. It misrepresents my financial history, hinders my access to credit opportunities, and causes ongoing stress and inconvenience. I am requesting immediate and decisive action to resolve this matter once and for all. I have no choice but to escalate the matter further, including seeking assistance from regulatory authorities and other relevant bodies to ensure compliance and protection of my consumer rights. Please help me remove the late closed and charge off accounts immediately : DEPTEDXXXX XXXX Balance Owed : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please fix it immediately. 

XXXX XXXX XXXXBalance Owed : {$0.00} XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance Owed : {$200.00} This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy.
Product: Credit reporting or other personal consumer reports

I received an email from Nelnet on XXXX24 that my federal student loans were forgiven in full under the XXXX XXXX XXXX XXXX because my students loans have been in repayment of atleast XXXX - XXXX years. However, the full balance is still showing on my credit reports at XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a  XXXX   XXXX  account on my credit report since  XXXX   XXXX . I have asked for verification from  XXXX   XXXX  of this negative account that they have reported to credit bureaus, Experian,  XXXX , and  XXXX . I sent out a letter on  XXXX   XXXX ,  XXXX .  XXXX   XXXX  signed for the letter on  XXXX   XXXX ,  XXXX . I gave the company 30 days to respond with more information on this account. I did not receive a letter until  XXXX   XXXX ,  XXXX . The company is not only reporting inaccurate data but has also broken the FDCPA. I have all documents and dates of the communication between  XXXX   XXXX  and myself. The company has continued to break the law. I have tried communicating with them and they refuse to talk with me. I have sent multiple letters asking for validation on the account. The company is also refusing to send a letter stating that if i do pay this debt they can not guarantee that it will reflect as paid on my credit report. When i asked to speak with a supervisor for this matter, i was told they did not have any on staff.  XXXX   XXXX  has also sent the account to a collection company and when you ask who has ownership of the account, they both point fingers. The company holding the account says they do not report to the credit reporting agencies and when you ask  XXXX  to send a letter asking to update to the credit bureaus once paid, they state that they can not do that.
Product: Vehicle loan or lease

I received a loan for a new car from my bank Navy federal credit union. ( in which they claim not to have copies of my sale of contract ) My bank has reposed my vehicle when they werent supposed to I had till XX/XX/2019 to make a payment per my bank. They repossessed my vehicle before the date provided to me. They then provided me with a repo account stating I needed to pay passed due amount of XXXX and fees for towing and storage fees. I went to branch to make that payment which went to a repossession account. I was suppose to get word where my vehicle was. Later to find out I had to go to the tow yard and pay the exact fees to tow company. Two month later they lost a payment I made to my loan later to find out it  was applied to another persons loan in which I had no affiliation with. My bank had been stealing money from me for my loan and I dont know where some of these payment I made went. Every time I try to resolve these problems I get the run around and am never able to speak with the department that is supposably responsible. Either the department is closed for the day or they start making up things to confuse me. I began a hardship program starting XX/XX/XXXX was supposed to be on this program for 4 months however they are still pulling funds from my account just to pay the interest on the vehicle and late fees. My vehicle is now a lemon and without the sale contract I am unable to get the vehicle bought back or replaced. The old dealer ship quality XXXX of XXXX got bought out by XXXX XXXX, I am unable to get the document from the new owner. Please help me.
Product: Debt collection

The Debt Collector ( Name XXXX  ) called and pretended to be a Lawyer and send garnishments to Banks where I have no Account with They also threatened to garnish my Temporary total XXXX i receive from a XXXXXXXX XXXX XXXX  as my only Source of Income! This behavior is totally against the Law and they cause me a lot of additional Health issues And I want to press Charges against the Individual that called me plus the Collection Agency XXXX XXXX XXXX Rash Curtis and Associates
Product: Credit reporting or other personal consumer reports

Delete hard inquiries XXXX, Equiafax, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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, Futhermore 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

I do not recognized this company nor do i recognize giving permission for a credit inquiry.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within XXXX  days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Student loan

On Tuesday, XX/XX/XXXX, I contacted Edfinancial after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX  are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at XXXX.
Product: Debt collection

The Diversified Consultants debt collector calls everyday repeatedly all hours of the day and night and hangs up from number XXXX. They have never once left a voicemail or stated who they are they just call and call. They have never mailed a bill. They have been calling daily for the past XXXX months.
Product: Checking or savings account

I received an unsolicited Chime Card on XX/XX/year>. I tried to close this account that I did not request. The teleprompts did not give me the option to close the account, or speak to an agent to close this account. The website also did not give me the option to close this account. I never activated the Chime Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice some late payments on my report, I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX CO ACCT # XXXX, XXXX XXXX XXXX BANK ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX ACCT # XXXX. I do not consent to e-Oscar or any means of automated verification, so perform a proper investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX and Equifax Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}
Product: Credit card or prepaid card

I have been trying to reach citi involving my Citi Simplicity Card, as they sent me a letter in the mail and here on the CFPB website. 

Today is XX/XX/2020, and they finally answered their phones at the Citi Recovery Department, but the internal department said they did NOT have a copy of the letter that XXXX XXXX sent to me. The case number is # XXXX and his letter is dated XXXX XXXX. The agent told me that they couldn't work out a repayment plan with me, and didn't have a copy of the letter. 

My Citi Simplicity account number is XXXX. I was ready to pay my two amounts that XXXX XXXX stated in his letter, but they couldn't do it the agent said on the phone. I'm not understanding, as XXXX XXXX even said, that the representative didn't inform me, that my account was being charged. He gave me a phone number to call which I was finally able to get through too, as they had closed temporally because of the Corona Virus. 

I want to make my payments, and have a payment plan going forward. I need to know who to exactly contact regarding this matter, even if it's via email XXXX, my address, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX WA XXXX. My phone number is XXXX. 

Please get in contact with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I begin to notice fraudulent activity on my account in XX/XX/XXXX. I contacted all 3 credit bureaus and have been unsuccessful in resolving these delinquent accounts and collections. XXXX XXXX XXXX {$12000.00} XX/XX/XXXX, XXXX XXXX ( {$1000.00}, {$900.00}, {$700.00} ) ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( {$1100.00}, {$850.00} ) ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX/XXXX  ( {$920.00}, ) ( XX/XX/XXXX ), XXXX XXXX ( {$1300.00} ) ( XX/XX/XXXX ), XXXX XXXX ( {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX 's ( {$1000.00} ) ( XX/XX/XXXX ), XXXX XXXX {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX XXXX  {$460.00} ( XX/XX/XXXX ), {$220.00} ( XX/XX/XXXX ), XXXX XXXX {$930.00} ( XX/XX/XXXX ), XXXX   {$270.00} ( XX/XX/XXXX ), XXXX XXXX {$1100.00} ( XX/XX/XXXX ), XXXX XXXX XXXX {$120.00} ( XX/XX/XXXX ), XXXX XXXX {$1300.00} ( XX/XX/XXXX ), XXXX XXXX {$720.00} ( XX/XX/XXXX ), XXXX XXXX XXXX  {$870.00} ( XX/XX/XXXX ). 
In addition I have been consistently reaching out to XXXX, XXXX, and Transunion about the number of accounts that have been paid off as agreed that are still on my account that should be removed as well as inquiries that were not initiated by me. XXXX XXXX ( {$0.00} ) ( XX/XX/XXXX ), XXXX XXXX {$400.00} ( XX/XX/XXXX ), XXXX XXXX   {$500.00} XX/XX/XXXX, XXXX {$70.00} XX/XX/XXXX,
Product: Checking or savings account

I was put into XXXX for accounts that I didn't open nor did i give authorization to open. Date of closure : XX/XX/2023 XXXX XXXX
Product: Checking or savings account

I switched bank accounts after the federal ACH payment direct deposit change date for the Social Security Administration ( SSA ). My XXXX was routed to First National Bank of Omaha ( FNBO ) where the account is closed. Alerted this bank on XX/XX/year>. However, FNBO said they did not have the money ever and that I would have to wait 2 days for them to return it to the SSA. Last time I checked FDIC regulations that is illegal.
Product: Debt collection

Source Receivable Management is reporting a collection on my account that does not belong to me. Nor have I ever received any debt validation in the mail from this collection agency, which per FDCPA guidelines is required to be sent. The debt shows {$1700.00} for XXXX XXXX XXXX XXXX Co Please remove from my credit report immediately.
Product: Credit reporting

i have another name on my account and i have other addresses that i dont live at anymore
Product: Mortgage

Need to move into a XXXX facility. Can no longer afford to pay this morthage. Would like to have what monies I 've paid in marked off as paid in full.
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 XXXX USC 1681. 
XXXX : # XXXX has violated my rights. 

I looked at my EQUIFAX 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 generallf, 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, credit repair services, or other personal consumer reports

For the last 6 months i have tried to resolve this matter in regards to my credit report after reviewing my credit report I never opened account with any third party company and therefore under 15 USC code 6802 B opt out law the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I do not consent to my dispute being graded with any electronic eoscar system. I demand a human to process this and if you deem the items as validated or verified i demand you to include 1.Names of The employees and officers of the company.
Product: Debt collection

Since XX/XX/2012, Asset Acceptance LLC has try to collect a debt that I don't recognize. I thought that this issue was closed. Now I am receiving correspondence that this collecting agency wants to garnish my wages putting a judgment in the courts. I was not aware that this issue was still open because the company keeps sending garnishments to companies at places that I never work for or companies that I stop working for a long time ago. I want to put a formal claim on this company. I have call trying to get documentation that proof that this debt belongs to me and they have continue to harass me and refuse to send me any documentation that connects me with the debt. The case they file with the XXXX County courts is another form of harassment. This company should be out of business and not allowed to disrupt peoples lives.
Product: Mortgage

I was approved for HAF ( Homeowners Assistance Fund ) through the Florida DEO. We are approved for 14 monthly payments of mortgage starting in XXXX. As of right now Cardinal states they have received anything from HAF, even though HAF states the check was sent out to the company po box . After calling and speaking to a HAF representative today she stated that Cardinal Financial has been returning many checks to them. It seems that Cardinal is not wanting to work closely with this program which is wrong considering this program would save many people from losing their home.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX was filed XX/XX/year> and was granted on XX/XX/year>. XXXX XXXX XXXXEFFERSON CAPITAL SYSTEMS was included in the XXXX  XXXX, and they have been continuing to report since the final judgement. I would like all the late payments and negative remarks from XXXX during the two year period they were reporting to my credit company removed expeditiously, due to fraudulent and inaccurate reporting and its continuous damage to my XXXX credit report.