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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX  group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 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

I disputed an incorrect account balance to my XXXX XXXX account on my XXXX consumer report. XXXX investigation included incorrect account balance information and did not correct my account information. Due to XXXX non compliance with the Fair Credit Reporting Act, I will seek punitive damages for each day my credit strong account continues to report inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, National Credit Adjusters ( NCA ) added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, National Credit Adjusters ( NCA ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information WITH EQUIFAX. this has been an ongoing issue that needs to be resolved. looking over my file ive seen alot of errors that causing major delays an effects to my credit profile. please review an remove an delete the invalid data to clear my credit report. ive listed all items that needs to be removed asap.
Product: Debt collection

I contacted XXXX XXXX XXXX in XX/XX/2018. I identified myself and indicated that I had called to pay my debt. The representative asked for my social security number and I provided it. The representative checked their system and indicated that I owed {$880.00} with the original creditor being XXXX   XXXX XXXX, which matched what had been reported in my credit report I promptly paid it. Today ( XX/XX/18 ) I received a letter from Convergent that stated I now owe {$350.00} to the same original creditor. I do not owe this, it was not reported on my credit report ( I know that reporting is not required by creditors ), it was not previously disclosed to me in any way, and its origin is totally unknown to me. I have paid what they said I owed and I would like the CFPB to please have this company to cease this harrassment.
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 violates the Consumer financial protection act. Cashapp has failed to to take timely and effective steps to prevent fraud on their platform leaving my account vulnerable and unprotected.
Product: Credit card or prepaid card

I incurred charges by 2 merchants for the month of XXXX-XXXX  2018. I filed a claim and Netspend sent me a letter telling me That upon investigation an error had occurred involving these 2 merchants and issued me credits. However they had not found any error for the Transactions by these 2 merchants that occurred in XXXX  because I didnt file within the 60 days. I did file my claim online on their website. They said they have no record. I have proof that I did file and that their website isnt fully working.But the corporate guy said it made no difference. He wouldnt even let me provide my proof. In fact he sent me a denial letter on XX/XX/XXXX. He called to speak to me directly on XX/XX/XXXX because I was disputing the ruling. So its obvious that no matter what I said he had already made up his mind. The card holders agreement that has a clause that states Netspend may extend the 60 filing period if a good reason such as hospitalization is the reason for missing deadline I would think having a website that supposedly lets you file a claim that turns out isnt working and disputes arent being directed to Netspend is a valid reason. Furthermore Netspend had issued me credits for fees on another claim that wasnt filed within the 60 days. The merchant returned monies owed but the fees was credited by Netspend
Product: Vehicle loan or lease

This is an auto loan account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. 

NCB Management Services Accnt # : XXXX Opened : XX/XX/2018 Balance : {$12000.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. To date, TransUnion has not responded to my inquiry. The following are the details of the incorrect information and the necessary corrections : Account with XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$2200.00} Inaccuracy : This account was never late. 
Request : Please correct this inaccurate information on my credit report. 

Account with XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Balance : {$6500.00} Inaccuracy : This account is not mine. 
Request : Please remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

I recently received and reviewed a copy of my updated credit report and I have seen some inaccurate and misleading information being reported. These inaccuracies are causing me significant financial distress and need immediate attention. I kindly request that you investigate and, if necessary, remove the following items from my credit report.
Product: Debt collection

do not recognize account and i have been empacted by covid 19.
Product: Checking or savings account

This is regarding an old account that was closed. I have gained first hand knowledge and understanding that I am and was the original creditor to the account by extending my social security number. It was not disclosed to me that there is/was interest accrued and gained on the account even after closure. There was a breach of contract by failing to uphold fiduciary duties on the banks behalf and there were many illegal miscellaneous fees and charges applied to my account causing me to lose equitable interest and causing damage to my name and reputation.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$220.00} ; XXXX  XXXX Balance Owed XXXX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$740.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$290.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX, XXXX, Equifax Subject : Dispute of Late Payment Report Request for Correction Dear Sir/Madam, I am writing to formally dispute the accuracy of a late payment entry on my credit report. The specific entry in question is under the account [ Account Name # XXXX ], reported by [ XXXX XXXX XXXX ]. According to my records, the information is incorrect, and I am requesting an immediate correction. 

**Legal Basis for Dispute : ** 1. **15 USC 1681 ( a ) ( 1 ) ** : This section mandates that credit reporting agencies ensure the accuracy and fairness of the information contained in consumer reports. The erroneous late payment entry on my report is neither accurate nor fair.

2. **15 USC 1681 ( a ) ( 2 ) ** : This section emphasizes the need for the reporting system to be fair and equitable . Reporting an incorrect late payment undermines the fairness and equity intended by this law.

3. **15 USC 1681 ( a ) ( 3 ) ** : It is required that consumer credit reports are to be used in a manner that is appropriate and just. An incorrect late payment mark is an inappropriate and unjust use of my credit information.

4. **15 USC 1681 ( a ) ( 4 ) ** : The section outlines the importance of maintaining the confidentiality, accuracy, relevancy, and proper utilization of credit information. The current late payment entry fails to meet these standards, particularly in terms of accuracy and relevancy.

5. **15 USC 1681 a ( d ) ( 2 ) ( A ) ** : This provision excludes certain types of consumer information from being reported if they do not meet the criteria for accuracy and completeness. Given that the reported late payment is inaccurate, it should be excluded from my report.

6. **15 USC 1681 a ( d ) ( 2 ) ( A ) ( iii ) ** : The code specifies that information must be reported with maximum possible accuracy. As this late payment entry is erroneous, it fails to meet this criterion and must be corrected.

**Requested Action : ** In light of these regulations, I request that [ XXXX, XXXX XXXX Equifax XXXX investigate and correct this error promptly. I have attached relevant documentation ( e.g., payment receipts, correspondence with the creditor ) to support my claim. 

Please provide written confirmation of your receipt of this letter and an update on the status of my dispute within the time frame mandated by the Fair Credit Reporting Act. 

Thank you for your immediate attention to this matter. Should you require further information, please do not hesitate to contact me. 

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

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX  and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate
Product: Payday loan, title loan, or personal loan

I am a victim of identity theft. I have a job pay my bills and taxes I don't complain about much but this company is robbing people blind and getting away with it. They will put garnishments on your payroll from work they can care less if you starve or die. I am tired of companies like this preying on poverty stricken hard working citizens. It needs to be stopped. I will be homeless by the time anyone receives my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the credit bureaus and auto loan company for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed out over this address and auto loan thats not mine. It has been causing me to be denied for credit and has really taken a toll on my family financially during the pandemic. I need Equifax to take this complaint seriously and delete the fraudulent items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has done nothing to my FTC violations with all the proof giving
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE DISPUTED THIS INFORMATION MULTIPLE TIMES AND NOTIFIED YOUR COMPANY THAT I AM A VICTIM OF IDENTITY THEFT. I'VE SUBMITTED AN COMPLAINT ON XX/XX/2023, IT IS NOW XX/XX/2023 AND THE INFORMATION IS STILL REPORTING UNCHANGED. YOUR COMPANY IS IN VIOLATION OF 15 U.S.CODE 1681C-2. A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE CONSUMER FILE THAT THE CONSUMER IDENTIFIES THE INFORMATION AS RESULT FROM ALLEGED IDENTITY THEFT. IT HAS BEEN MORE THAN 30 DAYS AND THIS INFORMATION REMAINS UNCHANGED. THESE ACCOUNTS SHOULD NOT BE REPORTED ON MY CONSUMER REPORT AS THEY'RE A DIRECT VIOLATION. UNDER 15 U.S CODE 1681B- PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER WHO IT RELATES. I HAVE NEVER GAVE ANY CONSENT TO REPORT ANY INFORMATION ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. NOT ONLY DID YOUR COMPANY REPORT INFORMATION BUT YOU'VE REPORTED INACCURATELY, UNTRUE, AND INCORRECTLY. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED
Product: Vehicle loan or lease

XX/XX/2019 my vehicle was totaled out and the account was closed and the car was basically paid off but it's on my credit as a closed account
Product: Student loan

I've read on more than one occasion that while the pause is in effect, all payments would be applied to the principal balance, so I kept making payments believing those payments would decrease my loan balance only to find out that my balance wasn't shrinking as MOHELA applied those payments to the interest of the highest loans, and not to the principal as I was led to believe or interpret! I sent MOHELA a letter in XX/XX/2022, which I have attached as well as their response, and a copy of the statement on their website about how any money is applied to the various loans held. 

I am totally confused as to how MOHELA is able to not apply my payments to the principal balance if I'm reading online that if borrowers continued to pay through the pause, all payments would go towards the principal??? I'm totally confused about if my payments should be going to the principal balance or not? 

I stopped paying my loans because the interest will start again, and I'd be right back where I started with paying an amount, and it's not going towards the balance but only the interest. I'm sure others have complained about the interest, but I'm only interested in understanding paying while the pause in in effect, and those payments not going towards the principal? Thank you!
Product: Credit card or prepaid card

Credit card has been have servicing issues for over 3 months. I ordered a new card the first week of XXXX because my card wasn't working- not knowing that it was because Comenity was having system issues. New card never received. I have made multiple requests for a new card. They sent me a letter that they can't send me a new card due to my account status. My account is paid current and there are no alerts on my account per them. They don't know how to fix my account or issue a new card. They were supposed to send me replacement coupons to use - instead, they send me a blank piece of paper. They have no idea how to fix the issue that they created with their supposed system upgrade. I have had multiple phone calls with them to no avail. I can't use my card and have lost out on coupons, rewards and offers over the past several months.
Product: Debt collection

I have been called XXXX separate times by Comenity Capital Bank in the last XXXX hours. They call from no caller ID, and also from numbers that look similar to my contacts. They never leave a voicemail and call back to back repeatedly. I have XXXX full time jobs and this type of harassment is something I do not have the time for. I have asked them multiple times to stop calling me.
Product: Consumer Loan

I made mulitple payment arrangements with Kia Motor Fiancee on my XXXX XXXX XXXX XXXX. They told me that I would not be reported late to the credit bureaus because I had made payment arrangements. Ultimately Kia Motors Finance reported XXXX late payments to all XXXX of my credit bureaus, despite our payment arrangement.
Product: Debt collection

Apartment Lease ended - we provided 60 days notice as required by leasing agreement. Removed all personal items and clean the apartment and return all keys. 

Paid remaining balance to Landlord. Landlord sent an itemized bill. Attempted to obtain clarity, no resolve. Filed a civil suit in court and judgement for Defendant. Paid the amount of XXXX via Check. 

Called landlord and settled the amount owed and paid via check. 

Now - have collection agency call me about the same debt. 

Hunter Warfield ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

i was removed off of this account a yr ago. i want myself off of this account asap
Product: Debt collection

In may I purchased a XXXX XXXX XXXX for XXXX plus XXXX for delivery. Per the sales staff this XXXX would include if I returned the bed. Tax was XXXX. 
I returned the bed for health reasons, I was having an XXXX XXXX to something in the bed. 
At the time of return I was not informed there would be another XXXX charge to pick up the bed. I paid for the delivery fees on the card of XXXX. 
2 months after this Synchrony was still sending me late fee notices. I figured something was wrong and checked my card. XXXX XXXX  only credited me XXXX. I called XXXX XXXX and they said was a XXXX return fee which was in my terms and conditions for the sale of the bed. I did not receive a receipts or any terms and conditions. I called the store, I called XXXX XXXX  and they told me I owed for the deliver fee. I believe it was XXXX still remaining on my card after the credit of XXXX and the XXXX I paid. I was finally emailed a copy of my receipt in XXXX but there was no amount listed for a return. 
I then called synchrony and filed a dispute. I keep getting late notices. When i called last week apparently synchrony closed the dispute because of the first credit of XXXX  ( however the debt collection person said credit on XXXX. ) They wanted to start the disputer process all over as they continue to charge late fees. I didn't think the cs person had the right file but every time I call I am sent to their collection department. I don't believe I owe any more money to XXXX XXXX as not fees were sent to me. I believe Synchrony should have contacted me on the dispute before closing my dispute. I need help getting this issue straightened out.
Product: Debt or credit management

On XX/XX/year> I filed for bankruptcy ( XXXX XXXX ) with Lexington law I previously looked at my credit report and realized my XXXX XXXX wasnt filed. I havent received a court date regarding my bankruptcy I am new to this process with filing bankruptcy. I tried contacting them on multiple occasions through via phone an no one has been responding.
Product: Credit reporting or other personal consumer reports

I have sent Transunion, XXXX, the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate info immediately also I have fraudulent inquries appearing on my credit report as the following goes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a changed off from 7 years ago that is not removed from my equifax credit report. This charge off is over 7 years old and should be removed and has been from all other agencies
Product: Debt collection

I am filing a formal complaint against Santander for repeatedly reporting a closed/charged-off loan account on my credit report that I have no knowledge of and believe is the result of identity theft. This account has been impacting my credit for nearly six years, and despite my repeated requests for them to either provide proof that this account belongs to me or remove it entirely, they have failed to provide any supporting documentation. 

This ongoing inaccuracy is severely affecting my credit profile and my ability to move forward financially. I am requesting an immediate investigation into this matter and a resolutioneither by providing valid proof of ownership of this account or by removing the account from my credit report entirely. 

Thank you for your time and attention to this matter. I look forward to a swift resolution.