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

Fir one pentagon federal credit union has reported a charge off that not only is inaccurate reporting but also I was told and stop by the repo company they ordered a repo even when I believe u advised them where the car was and also I phoned them they never pick up the car claiming that insurance company has it and now they state that they are waiting for the mechanic shop to send final bill well neither is nit true at all also pentagon never pick it up also tge amounts are wrong the company never pick up the vehicle for resell and there exist no charge off nor repossession if so why am I being ask for money from the mechanic shop when pentagon already advised me that they would pick it up .....
Product: Debt collection

Called credit bureau and asked for verified proof debt was mine. Several calls and emails they refuse to give me the information but stated they did verify debt. Contacted the company the debt is through, Affirm. Called 4 times, I was hung up on every time. The 5th call I finally spoke to someone who said that they dont have to send me anything and that they will be sending me to collections. After repeated attempts, I have still received nothing from either the credit bureaus or Affirm. Now I have been sent to collections, a company called XXXX. Spoke to them and told them they can not collect until I get proof the debt is mine. Just received a bill with no proof. It states I have until XXXX XXXX to request proof of debt or I assume the debt is mine. Again, I have asked several times and they are still showing late payments on my credit and still have not sent me any proof of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXXXXXX
Product: Debt collection

RTR is claiming I owe them XXXX on a second mortgage but the date of first delinquency is XX/XX/XXXX, which is beyond Illinois 5 year SOL. They are also reporting this information to XXXX, including a continual late every month for the last 6 years, an overdue balance and current amount due. This particular loan was secured by property which was foreclosed on by XXXX XXXX. RTR was never listed among the plaintiffs ( as XXXX was ). This foreclosure occurred in XX/XX/XXXX. RTR has NEVER verified any document which states how, why or where they have a valid claim to a 2nd mortgage. They were not on any court documents provided by the county and plaintiffs. It is as if they just " leached '' onto a distressed property in hopes of lining their pockets. 

In addition, it is my understanding that this account should have been legally charged off after 180 days, which further validates RTR 's negative motives in this situation. A legitimate lien holder would follow proper legal laws. I have the original mortgage, deed, warranty and court filings ( much to much to download ) which have zero reference to these people. 

Attempts to contact RTR have ended with an automated voice system hanging up on me.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

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

I have disputed XXXX XXXX  XXXX XXXXXXXX XXXX reporting on all 3 of the major bureaus ' reports, on multiple occasions. Go XXXX XXXX XXXX is reporting different open dates, close dates, high credit amounts, dates last active, and dates of last payment on the 3 bureaus ( XXXX, Equifax, XXXX ) .
Product: Checking or savings account

This company send me a courtesy check saying that I will be reimbursed for losses because of bank of America actions they withheld over thousands of my edd money and made uneceasry charges on my account. I logged in I sent screenshots of all the things requested it's been months I still have not been reimbursed or my case hasent even been seen by them when I track the progress. Now I'm reading there was a deadline witch I made and still no compensation. I also have had this account closed now and bofa still hasnt sent me the money left on account.
Product: Credit reporting or other personal consumer reports

On XXXX I reviewed my credit report and I noticed that despite my ongoing efforts and several certified submitted disputes that the credit bureaus XXXX and Equifax has continuously disregarded my disputes and failed to properly investigate which would have governed them to fix the issues as well they never notified me. XXXX and Equifax has violated my consumer rights and the following FCRA provisions. 15USC 1681 ( a ), 15USC 1681a ( 6 ) ( B ), 15USC 1681b ( 5 ) .Attached you will see the credit report that was sent to support my dispute and the items errors were highlighted and to no avail they still failed to comply with my request for removal. I feel that this has been intentional and has caused me significant hardship financially and emotionally and constitutes non compliance with federal law. Im seeking monetary compensation of {$1000.00} per violation accordance with my rights under the FCRA for their extreme negligence in investigating theses disputes in regards to my consumer report which reflects inaccurate /wrong Personal information, accounts and the reinsertion of previously removed information. Also note that I have all receipts for each certified letter that has been sent dating back over a year ago and will submit them in legal proceedings.
Product: Credit reporting or other personal consumer reports

Although I appreciate your efforts to correct certain errors in my credit reports, one account still has to be fixed. The XXXX and TransUnion Credit Bureaus are required to verify this account ( A ) by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This disputed account has to be corrected. 
XXXX XXXX XXXX XXXX : {$0.00}.
Product: Student loan

I renegotiated my student loan with Wells Fargo. The original terms of the loan was to pay XXXX XXXX dollars a month for fifteen years. The new terms was to pay them XXXX XXXX monthly for a shorter period of time. When i requested a im school deferment i was told to send in the paperwork. I then received a letter months later stating paperwork with a bill. I called and they verbally notified me that my loan was charged off three years ago without my knowledge. I had been calling in phone payments every month consistently. I have no idea where that money has gone since the bank is refusing any access to my payment records account history etc. i am attending an accredited program at this time for a higher education.
Product: Checking or savings account

I was contacted on XX/XX/XXXX by who I thought was Wells Fargo because that is what the caller ID said. So, I answered it, they had asked me about fraud on my account and I told them that I did not authorize these transactions, such as Wells Fargo has done in the past. Thinking that I had stopped these fraudulent charges little did I know this was a call from the people that were committing the fraud. I was under the assumption that I would get information sent to me from Wells Fargo, they said it would take some time because they were trying to catch the person that was committing fraud on my account. I did not receive any information from Wells Fargo, so I contacted Wells Fargo on XX/XX/XXXX and they had said they had no claim on this account. They told me that I needed to restart the claim. I received a letter from Wells Fargo, dated XX/XX/XXXX stating " As a courtesy, we initiated one or more wire recalls on your behalf to attempt recovery of the funds from the banks that received the two ( 2 ) wire transfers for {$3300.00} an {$21000.00}. Unfortunately, the beneficiary banks responded that there were no funds available to return. As a result, we are unable to reimburse you and have closed your claim ''. So, I had to find a Wells Fargo branch that had a Bank Manager, I went in and met with the Bank Manager XX/XX/XXXX and tried to get this resolved. The manager and I spent 3 hours trying to resolve this issue, the fraud department at Wells Fargo was not cooperative with the Bank Manager and told her that it was my fault. The Bank Manager told me she was going to do a rebuttal on my behalf. I am supposed to hear back from Wells Fargo, I am concerned that it could be another fraud person that contacts me. Obviously, there was a breach in Wells Fargo security.
Product: Debt collection

This company has called me every month since XXXX to collect on my mothers debt. 
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 

They continue to harass me to the point I have blocked their number, and they still call me.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX {$150.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding the inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Unfortunately, I have not received any response from Equifax regarding this matter. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to resolve this issue. 
I would like to bring to your attention the following incorrect information on my credit report, along with the requested corrections : ( Account with Late Payment Account Number : XXXX Company Name : XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$370.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that Equifax removes the late payment from my credit report. ) ( Account Not Mine Account Number : XXXX Company Name : XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX Issue : This account does not belong to me, and I request that Equifax removes it from my credit report. ) ( Account Not Mine Account Number : XXXX Company Name : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} Issue : This account is not mine, and I request that Equifax removes it from my credit report. )
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. 


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 has violated my rights. Or list of inquiries 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a dispute letter on XXXX for the negative marks on my account for the amount of {$280000.00} from XXXX XXXX. They came back and said that didn't have sufficient information to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I had my loans covered by navient and i was pushed to have my loans placed into deferment for long periods of time. This significantly increased the value of the loan to Navient
Product: Debt collection

National Credit Systems ( " NCS '' ) sent me a letter stating that I owe XXXX dollars for Carpet damage and cleaning for " XXXXXXXX XXXX ''. This charge is from XXXXXXXX XXXX where I terminated my lease paying all outstanging rents. They are stating that these charges are cleaning and carpet replacement. 

I took pictures of all the rooms before I vacated the apartment, and I can say for sure there was only regular usage wear and tears/Stains and nothing else.. I also see that XXXX has charged XXXX Dollars as cleaning fee and remaing for carpet replacement. I left the place as clean as possible, cleaning it very thoroughly and then vacuuming every room. 

I updated all the pictures of the rooms to National Credit Systems " NCS '' and also uploaded a statement disputing the charges. They said they are starting a investigation and they did not provide any updates. And instead of negotiating on the disputed amount, They directly reported to credit reporting agency thus drastically negetavely impacting my credid score.
Product: Credit reporting or other personal consumer reports

Please erase these inquiries. I have no knowledge of them, and the company did it without my authorization.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX violated my hardship agreement. The agreement was for monthly payments in the amount of {$410.00}. 
In the last 2 months I had a total of {$1400.00} withdrawn from my checking account. ( {$410.00} XXXX + {$630.00} auto pay ). They are claiming that my auto pay was not cancelled in time however, they revoked my ability to cancel my auto pay. 
I requested to have the unapproved auto pay payment ( {$630.00} ) returned to me as my account is in good standing but they refused/rejected the request.
Product: Debt collection

Prestige Financial is set up on auto draft. Every month on the XXXX, they debit {$440.00} from my account. On Friday ( XX/XX/XXXX ) they attempted to take the regular payment, but there were no funds available. They sent me a text on XX/XX/XXXX at XXXX XXXX  CST telling me the payment did not go through. I texted them back on yesterday morning, XX/XX/XXXX saying thanks for letting me know and I will make the payment on Friday ( XX/XX/XXXX ). No response from Prestige. Today, XX/XX/XXXX, they tried to run the payment again and it did not go through, as I knew it wouldn't. This is why I specifically said Friday in my text back to them. Their attempt to charge this amount again resulted in 2 overdraft fees on my account. 1 for Prestige ( {$30.00} ) and 1 for XXXX ( {$40.00} ) because of a {$10.00} charge that couldn't clear because of the overdraft from Prestige. 

I asked if I could pay them the monthly {$440.00} minus the {$30.00} ( although I should have asked for {$70.00} for both fees ) and was told that the person can't authorize that. I was also told that the draft is automatic and once it returns it automatically resubmits. I then asked for the terms of that in writing. I was told ( via text ) that they don't have any official documentation that they can send me regarding that. 

This is illegal and I would like to have all my fees refunded to me promptly.
Product: Debt collection

I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Additionally, this was a business account from the looks of it and this company has found my personal social and put it on my credit report which is a violation Pursuant to 15 U.S.C. 16921692P. This is a fraudulent account.
Product: Credit reporting or other personal consumer reports

I previously disputed an unrecognized XXXX account on my TransUnion credit report, and after an investigation, TransUnion deleted the account from my file. However, I recently received a letter stating that the account has been reinserted after " verification. '' This reinsertion violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ) because TransUnion failed to notify me in writing at least five business days before reinserting the account, which is required by law. TransUnion also reinserted a previously deleted account without my knowledge or consent, damaging my credit unlawfully. 

Since TransUnion has already violated the FCRA, the account must be deleted immediately and can not be re-investigated. 

I am requesting that the CFPB require TransUnion to permanently delete this account from my credit report because it was unlawfully reinserted. TransUnion must also confirm in writing that the account has been removed and that no further reinsertion will take place. Additionally, I request that the CFPB investigate TransUnions compliance practices to prevent future FCRA violations. 

If this matter is not resolved, I will pursue further complaints with the Federal Trade Commission, my state Attorney General, and legal action for damages due to TransUnion 's noncompliance with the FCRA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my Transunion credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am saying that I am 100 percent sure if they are wrong. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Name : XXXX XXXX XXXX Account Number : XXXX I have a late payment listed in XX/XX/2021 Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. 

Account name : XXXX. XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please reinvestigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address which is XXXX XXXX XXXX XXXX MI XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my report XX/XX/XXXX noticed there are several items on my report that are being illegally reported. There are inaccuracies and inconsistencies in the reporting status listed on the accounts shown. Based on FCRA 611 ( 5 ) ( ii ) I sent in a dispute showing the inaccurate information and requested it to be deleted. I received resulted from XXXX that showed to accounts " updated '' Once I looked at the updated copy of my report I noticed that nothing about the accounts in question were in fact updated. However, I notice a late payment that I asked to be reversed had changed months originally it was reporting late in XX/XX/XXXX it now shows XX/XX/XXXX I spoke with a CRS at XXXX and she stated the XXXX XXXX verified there were No late payments XX/XX/XXXX based on the FCRA 611 ( a ) ( 1 ) ( a ) I sent in a reinvestigation letter and on XX/XX/XXXX I received results saying the account 'updated '' after reviewing the updated credit report there were no changes. 

This is a complete violation of the Fair Credit Reporting Action FCRA 611 ( a ) ( 1 ) ( a ) and FCRA 611 ( 5 ) ( ii ) and I would like this information removed from my credit report ASAP
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  has failed to properly investigate a dispute I sent last month, my dispute was closed out with a general response but did not notify credit reporting agencies of dispute nor did they check the inconsistencies across all three credit reporting agencies that was spoke of in the dispute, According to the FCRA, XXXX should have did a proper investigation of dispute to check for any computation errors and or review credit reporting for the consumer accountXXXX XXXX  failed to do any of these things and the credit reporting is still inconsistent. I am demanding this CC account be removed and {$1000.00} in damages for willful non compliance of the FCRA that ultimately damages my consumer report. Im looking to hear from you soon.