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

To whom it may concern - I had financial difficulties in XXXX and XXXX and had have a loan with XXXX XXXX. I had never been late in the 4 years of having an established credit loan with XXXX XXXX  XXXX XXXX agreed to work with me and in XXXX I paid them a total of almost {$1000.00} to bring my account current and continue as a good consumer because they have always been a good company to me. The representative in that branch location informed me when I brought my account current that they would make sure that my credit report did not reflect a 30-day late payment in the month of XXXX or XXXX After bringing the account current I contacted the representative and she then informed me that she had no control over the credit and how it reflected but when I was paying my account current up-to-date she informed me she would make sure that my account did not reflect a 30- day late pay on my credit report because she knew how hard I had worked previously to build my credit as a single mother. I had never had a late pay or 30-day late pay on my credit. During the months of XXXX and XXXX my family had covid and lost a family member and we had burial expenses. I feel like XXXX XXXX lied to me and scammed me after my good faith of making sure that their account was paid and brought current and paid ahead of time all the way through XX/XX/2023. 

Now every time I call the branch office XXXX continues to tell me that she has no way of contacting their credit department even after I have sent a Written Letter to the corporate offices of XXXX XXXX she tells me there is nothing that she can do and can not give me the phone number for the corporate offices to get to their credit department other than me sending a letter directly to their corporate offices and no one has responded to me and this has been an ongoing issue of no one can get in contact with anyone at corporate for credit disputes and there's no way for them to correct their systems and the credit report will reflect whatever it reflects. 

I was promised by that branch office by XXXX that my account would not reflect on my credit report as being delinquent 30 days and I have had a open credit line with them for nearly 4 years and never been 30 days late.
Product: Debt collection

Experian Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Verification Process and Dispute Regarding XXXX and XXXX Accounts Dear Sir/Madam, I am writing to dispute the accuracy of the information being reported by Experian regarding my XXXX and XXXX accounts. I have identified several errors and discrepancies within the reporting of these accounts, and I am requesting detailed clarification on the verification process used to validate their accuracy. 


I would like to address the following concerns : 1. XXXX Account Errors : The XXXX account on my credit report contains numerous errors, including inaccurate reporting and incomplete information. I kindly request that Experian provide a comprehensive explanation of the verification process employed to validate the accuracy of the XXXX account. Additionally, I request a detailed review of the information contained within the account, with a focus on rectifying any errors and ensuring the accurate reporting of my credit history. 

2. XXXX Account Discharge : I am disputing the accuracy of the reporting on my XXXX account, as it has been discharged. I kindly request Experian to provide documentation of the verification process that was undertaken to confirm the accuracy of this account. Furthermore, I request that Experian promptly updates the reporting to reflect the discharge status, as it is crucial that my credit report accurately reflects the resolution of this account. 

I appreciate your attention to these matters and kindly request the following actions : 1. Thorough Verification : I request that Experian conduct a thorough investigation into the accuracy and validity of the XXXX and XXXX accounts. This includes reviewing the verification process employed, confirming the accuracy of the reported information, and addressing any errors or discrepancies identified. 

2. Account Updates : Based on the findings of the verification process, I request that Experian promptly updates the reporting of the XXXX account, ensuring accurate and complete information. Additionally, I request the necessary updates to reflect the discharge of my XXXX account. 

I kindly request a written response within 30 days of receiving this letter, providing a detailed explanation of the verification process undertaken for both the XXXX and XXXX accounts. Additionally, I expect Experian to take appropriate actions to rectify any inaccuracies, errors, or discrepancies found within the reporting of these accounts. 

Thank you for your attention to this matter. I trust that Experian will conduct a thorough investigation and take the necessary steps to ensure the accuracy and integrity of my credit report. 

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

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took my son to the hospital back in 2020 and they billed his medical insurance which at the time was XXXX XXXX The hospital later told me they couldnt find his account and billed me personally instead and wouldnt work with me on billing XXXX XXXX Time after time my debt keeps getting sold to different debt collection companies that I dont know they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX to verify this account and they never sent me a proper form of identification/verification I sent them Another letter and I have not heard back since then
Product: Debt collection

Credit Corp Solutions bought an account, that is supposedly mine, from XXXX XXXX  back in XXXXvery early XX/XX/XXXX. I've been in frequent contact with Credit Corp Solutions. They sent me a letter. I've called them. They have called me. They have all my contact information and have had zero problem locating me. According to my notes I spoke with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX they called a family member, despite the fact that they have had zero problems contacting or talking to me. This is the key point : they could have reached me easily if they called me directly. I have no idea how they could have gotten the family member 's phone number. This particular family member has not been a part of any account that I've created in well over a decade. Given Credit Corp Solution  called my family member despite of the fact that they could have easily reached me is a form of harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea who or what this service is for, or why they placed a report on my TransUnion Credit Report. I had been several phone calls that when searching via XXXX the phone number on the caller ID, it indicated the below company. They, whom ever was placing the call, never left a voice message nor attempted to contact me via XXXX or Email. 


XXXX XXXX XXXX Collection/Chargeoff Other {$930.00} Status XX/XX/2022 Collection/Chargeoff Derogatory Not Reported Account Details XXXX XXXX XXXX Not Reported Individual 0 Years , 1 Months Not Reported {$930.00} Payment Details Not Reported Not Reported Not Provided Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have gotten a loan from XXXX XXXX to purchase a Van, However in late XXXX my bank account from where the payments were made was closed. I called XXXX and gave them another bank account and a card number to make a payment but they couldn't do it. My XXXX account online did not let me make payments and I have made several calls without success. My only option is to send them a money order which was successful at first. 
In XX/XX/XXXX, my bank sent them a payment but it was rejected by XXXX, so I send them a money order and they rejected it as well and issued refund by check which I did not cash. 
Somehow in XX/XX/XXXX they accepted a payment sent from my bank and again payments sent for XXXX XXXX and XXXX kept getting rejected. I tried resolving the matter directly with them by sending them letters, faxes and phone calls but they refused and did not do anything. When I call to discuss they will put me on hold for and extended time just to transfer me to an IT department or some other department. Finally, my payments for subsequent bills were accepted after they tried to repossess the van but were not successful. Now, in all the months they were rejecting the payments, they were charging me late fees and reporting late payments to the credit bureaus. I am up to date with all the payments except the late fees they charged me. 
I need your help on this matter as the calls, letters and faxes have not resolved anything with XXXX. 

Thank you
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I tendered a Negotiable Instrument, with instructions to discharge the balance on account number XXXX XXXX, on the XXXX of XXXX. XXXX. The instructions referenced in UCC 3-103 and 3-104 spell out the Requirements for Negotiability. ( 1 ) It must be in writing, ( 2 ) It must be signed by the maker or drawer, ( 3 ) It must be an unconditional promise or order to pay, ( 4 ) It must be for a fixed amount of money, ( 5 ) It must be payable on demand or at a definite time, and ( 6 ) It must be payable to order or bearer, unless it is a check. All Requirements were met. The attached Negotiable Instrument is presented under the authority of House Joint Resolution 192, Public Law 73-10. Precedence ha been set with Spencer vs. Sterling Bank, 63 Cal Ap. 4th 1055 ( 1998 ) and Guaranty Trust Co. of NY vs. Henwood et al, 307 U.S. 247 ( FN3 ) The entire taxing and monetary systems are hereby placed under the U.C.C. by The Federal Tax Lien Act of 1966. The attached Tender and Negotiable Instrument were sent to XXXX XXXX XXXX on XX/XX/XXXX. It was picked up on XX/XX/XXXX as recorded by XXXX XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, confirming that the account will be considered as paid in full, as of XX/XX/XXXX. A copy of account history shows the account being credited with the Negotiable Instrument, and showing a balance of {$0.00}. On XX/XX/XXXX. The payment was credited on XX/XX/XXXX. I received an email, titled You Are all Finished. On XX/XX/XXXX, I received the clear Title for the vehicle, from the Texas Department XXXX XXXX XXXX. On XX/XX/XXXX, I received a NOTICE OF ACCELERATION, AS IF THE Negotiable Instrument just disappeared, all of a sudden, with no explanation. On XX/XX/XXXX, I mailed an Affidavit of Mailing, which included all previous correspondence, a Notice of Default, and an Opportunity to Cure. Silence is Acquiescence, Agreement, and Dishonor. No Response! On XX/XX/XXXX, a NOTICE OF DEFAULT IN DISHONOR was mailed and received, with mention of additional registered mail which was picked up. Still no Response. On XX/XX/XXXX. I mailed XXXX XXXX XXXX a Notice of Dispute ; DEMAND FOR VALIDATION AND PROOF OF CLAIM. There were no challenges. Fraud was committed because XXXX XXXX XXXX reportedly had XXXX days to properly validate the alleged debt. They picked this PROOF OF CLAIM up on XX/XX/XXXX, and had until XX/XX/XXXX to validate the debt. Reporting to Experian, XXXX, and XXXX was a violation of the Fair Credit Reporting Act ; a Violation of the Fair Debt Collection Practices Act ; Defamation of Character ; and a violation of United States Code Title 18 Part 1 Chapter 63 1341 ( Mail Fraud ). The debt was considered to be invalid due to No Proof of Claim within the thirty-day period from XX/XX/XXXX to XX/XX/XXXX. I was impeded by the adverse action of XXXX XXXX XXXX. Punitive damages must be assessed to deter XXXX XXXX XXXX from engaging in this outrageous behavior going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continue to violate the FCRA with XXXX account XXXX. Date last active has been Re-aged. This account has been Re-aged from XXXX to XXXX. Re-aged account is a very serious violation of the Fair Credit Reporting Act requirements. This account also has multiple inconsistency reported by XXXX. Inconsistent reporting is a violation of the FCRA. I have circled and highlighted the R-aged account and multiple inconsistent reporting by XXXX. This violation Re-aged account and inconsistent reporting by XXXX has injury and harm my ability to obtain financing.
Product: Credit card

Transactions are not moving to balance due giving false impression money is not owed.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I disputed the accuracy of two late payments on this account. The payments were not processed due to a change in their automatic payment system. I have called multiple times as well as disputed these inaccuracies. I have not been able to get this issue resolved with the company.
Product: Debt collection

LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX This company is not allowed to collect debt in the state of Pennsylvania ; according to XXXX XXXX XXXX. 
According to 15 US Code 1692C any false information on my credit report shall be removed.
Product: Checking or savings account

XX/XX/2024 XXXX XXXX closed my account due to overdraft & fees {$530.00} was the amount.
Product: Credit card or prepaid card

I went to XXXX XXXX jail on XX/XX/XXXX I got released on XX/XX/XXXX. On XX/XX/XXXX I call and order me a new card .I ask them for all my transactions from XX/XX/XXXX till XXXX till XX/XX/XXXX. There's a bunch of fraud activities on the card so they open up a fraud claim and send me all my statements and told me just put anything from XXXX of XXXX till XX/XX/XXXX is fraudulent activity. I get the paperwork fill it out and fax it back to them with them stating you will get provisional credit. I don't hear nothing from them or no letter stating what was going on 3 weeks had gone by XXXX called the XXXX number and the lady tolldme they closed out my case I asked her why she said she don't know it just states closed. I told her they don't notify me in any way for them to close this out. Then she stated they deemeded it not fraud I said how is it not fraud I'm glad I can go to the casino and gas station and XXXX XXXX from jail.i never got my provisional credit so now I'm making complaints on them.i need help and don't know what to do .my house was broken into and all my information was taken and used
Product: Credit reporting, credit repair services, or other personal consumer reports

As of Friday morning XXXX XXXX. XXXX so very devastated to the findings on my credit report. Someone has opened fraudulent bank installment loans and accounts without my consent and or permission. Someone obtained three loans total. Two of which from the same content. The first loan was with XXXX XXXX XXXX and was opened on XXXX XXXX. The second loan was also with the same institution XXXX XXXX XXXX and was opened on XXXX XXXX during the Coronavirus pandemic crisis. The third account FRAUDULENT account is with XXXX XXXX, opened on XXXX XXXX. This is so sad that people cant leave peoples personal business alone, and respect their privacy. This is very uneasy for me to get this resolved. This is totally messed up and has tore my credit completely up. This is very depressing knowing that someone has MY! PERSONAL information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion to update my file many times this year to remove the multiple names they have listed for me, just written differently. To remove all unauthorized hard inquires, and any collections they have. I also sent out a letter requesting this information on XX/XX/XXXX and it is now XX/XX/XXXX and Transunion has not responded. According to the FDCPA a creditor has 30 days to respond or everything asked on the letter should be removed. 
I would like them to only have 2 names which one is my maiden name and the other is my name though marriage, there is no need to have 8 different names of the same name just written in different order. 
Please update my name to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX My current and only address need to be showing XXXX XXXX XXXX , XXXX NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with Equifax, XXXX and XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Kentucky Higher Education keeps reporting incorrect dates of reporting with XXXX, XXXX, and XXXX  which the account was opened in 2001. It is currently in dispute with the Dept of Education. I was unaware that I would even have a loans that I would have to repay due to XXXX University 's fraudulent activity. 

I have disputed the dates that Kentucky Higher Education has been reporting these loans incorrectly for many years and I have been disputing with the credit report agencies the last 4 months. This company is also reporting this loan multiple times on my credit reports which if it dispersed on same date should be one loan NOT MULTIPLE LOANS. They continue to report these accounts incorrectly, and are fully aware they are incorrect. Kentucky Higher Education is using fraudulent activity which unlawful per the Fair Credit Reporting Act.
Product: Debt collection

XXXXXXXX XXXX  at XXXX XXXX XXXX XXXX, SCXXXX  has been sending me collection notices in the amount of {$600.00} and the collection has been reported as a past due balance. I am not familiar with this company. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information.
Product: Checking or savings account

Dear Sir/Madam, I am writing to submit a formal complaint against CashApp, a financial service provider, regarding the unauthorized closure of my account and the loss of {$800.00}, which was unjustly removed from my account without any explanation or permission. 

My CashApp account, registered under the username XXXX, was unexpectedly closed on XX/XX/2023, leaving me in distress and financial hardship. The account held a balance of {$800.00}, and I must emphasize that I have always complied with CashApp 's terms of service and all applicable legal regulations, making the closure of my account entirely unwarranted and alarming. 

In an attempt to resolve this matter and retrieve my funds, I have repeatedly tried to contact CashApp 's customer support through various channels. However, all my efforts to communicate with them have been met with complete silence and refusal to address my concerns. Despite my attempts to gain insight into the reasons behind the account closure and the loss of my funds, CashApp has shown a total lack of responsiveness and disregard for its customers. 

The {$800.00} that was removed from my account rightfully belongs to me from selling bitcoin, and I find it unacceptable that CashApp has taken this action without any valid explanation or authorization. This has caused significant financial strain and emotional distress. 

In light of the situation 's severity and CashApp 's refusal to communicate or provide a resolution, I kindly request the Consumer Financial Protection Bureau to intervene on my behalf. I seek the following actions to be taken : Request that CashApp promptly restores the full balance of {$800.00} to my account. 

Ensure that CashApp establishes a transparent and responsive communication process to address customer concerns effectively. 

I believe that the Consumer Financial Protection Bureau plays a vital role in safeguarding consumers ' rights and promoting fair treatment by financial service providers. I trust that your expertise and influence will help rectify this unjust situation and ensure that I receive the resolution I deserve. 

This email serves as an official record of my communication with the Consumer Financial Protection Bureau and my formal complaint against CashApp. I kindly request an acknowledgment of receipt and a commitment to investigating this matter in a timely manner. 

Thank you for your attention to this important issue. I look forward to a swift resolution that upholds consumer rights and holds financial service providers accountable for their actions.