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

Ever since the state of Florida went on lockdown from the XXXX Virus, approximately XX/XX/2020, while most consumers may have been focused on their job and finances, I have been focused on addressing the errors on my credit report and trying to improve my credit. I'm aware that the bureaus have 30 days to respond to a complaint. This is required by law. I'm sorry that they may be affected by the pandemic, but this is how the law reads and I'm a consumer that still needs help. I have submitted several disputes since XX/XX/2020 and have received no response through the US Mail. I tried to file a complete through this platform, a while back, but they just told me they are ''still working on my file. '' I'm assuming the XXXX XXXX department is getting overwhelmed with complaints. I have waited patiently the 30 days each time I have submitted disputes with each of the 3 bureaus, but have not received any response, communication of delay, or even explanation as to why they are no longer helping consumers with their credit concerns. I am considering taking further action to get this resolved. I have rights also as an American citizen.
Product: Debt collection

I have a payment arrangement on file with Procollect Inc, however the company refuses to give me a invoice or a receipt to confirm my payments. I received a letter in the mail from ProCollect about debt I owed from an apartment that I moved out of in XXXX 2016. I called ProCollect and spoke to XXXX XXXX XXXX at XXXX XXXX to see what was going on and she explained to me that there was an unpaid balance of {$3000.00} & {$560.00} from this apartment. I told her that I am willing to make a payment arrangement. I made a payment over the phone with my debit card in the amount of {$300.00}. I then asked XXXX XXXX for a invoice or receipt to confirm my payment and payment arrangments. XXXX XXXX raised her voice and told me that unfortuntaley ProCollect dosent not offer any recipts for confirmation of payment until the account balance is paid in full. XXXX XXXX was very rude and disrespectful and she told me to have a nice day and hangs up the phone.
Product: Student loan

My spouse an I have a FFEL Joint Consolidation Loan ( privately owned ) that originated in XXXX  in amount of {$88000.00}. Since XXXX  we have made XXXX payments totaling {$110000.00}. However, as of today XXXX Navient ( servicer ) claims we owe {$120000.00} on this loan. This is outrageous and impossible. For the past 18 years we have made XXXX payments totaling {$110000.00}, yet the loan servicer claims we owe {$120000.00} on this loan?! This loan should be the poster child for student loan abuse. The actions of Navient and the owner of the loan are unfair, deceptive, and unconscionable. The loan should be paid in full at this point. We am asking that Navient and the owner adjust the loan to a XXXX balance. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle a fraudulent, incorrect, and unverifiable account that is kept to be established as correct. Be sure to generate with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

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

On XX/XX/year>, I sent a letter to Equifax and asked them to investigate the accounts on my report to make sure everything was 100 % accurate on my credit report. However, they did not do it because they told me the investigation was complete on XX/XX/year>. 

I looked at my report on XX/XX/year>, and noticed some things were still incomplete and inaccurate. 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 to whom the report relates. 

These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. 

Open dates, dates of last active, dateS of last payment are still not accurate. This is groundS for removal. They violated my rights under 12 U.S.C. 1681 Section 604 A Section 2 : This law clearly states a consumer reporting agency can not furnish an account without my written instructions.

And one more thing according to 15 USC 1681s-2 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. 

Check the attachments below.
Product: Debt collection

THE FCRA DEFINES IDENTITY THEFT AS FRAUD COMMITTED USING IDENTIFYING INFORMATION OF ANOTHER PERSON. INFORMATION OF ANOTHER PERSON WHEN THE ALLEGED ORIGINAL CREDITOR SOLD MY INFORMATION WITHOUT MY EXPRESSED APPROVAL OR KNOWLEDGE THAT'S " A FRAUD '' WHICH MAKES THE WHOLE THING IDENTITY THEFT. 

ORIGINAL CREDITOR : XXXX XXXX SOLD TO : XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report a couple of weeks ago and noticed a collection account named XXXX XXXX XXXX XXXX was added to my credit report. The company states I owe them {$37000.00}. I have no idea where this account appeared from. I have lived in my house, paying my mortgage going on XXXX years now. My apartment before my house was in XXXX and I never missed a payment or was late paying. This account can not belong to me. I have XXXX open accounts ranging from credit cards to auto loans and haven't missed a payment on anything within the last 5 years. This account is fraudulent and the company does not care the debt belongs to me. They call and harass me daily for money and will not remove the account from my credit report. My credit is my lively hood. I went to the police and they have provided me with a police report.
Product: Credit reporting or other personal consumer reports

I am writing to express concerns regarding the verification practices of the XXXX major credit bureaus : XXXX, XXXX, and Experian. I believe that my consumer rights have been violated in the course of my attempts to dispute inaccurate information on my credit report. 

On XX/XX/year>, I sent notarized affidavits to all three credit bureaus requesting that they provide detailed information regarding the verification methods used to substantiate the accounts listed on my credit report. Unfortunately, despite repeated requests, I have yet to receive any substantive evidence to support the accuracy of these accounts. 

I have sent a total of XXXX affidavits to each credit bureau, all of which were sent by certified mail and included a notarized signature. Each affidavit specifically requested proof of verification sent to my address for the disputed accounts. However, the only response I have received is a generic statement affirming the accuracy of the accounts without providing any supporting documentation. 

I believe that the credit bureaus ' failure to provide adequate verification for the disputed accounts constitutes a violation of my consumer rights. I am requesting an investigation into this matter and take appropriate action to hold the credit bureaus accountable for their practices. 


Timeline of Events : XX/XX/year> : Sent initial affidavits to XXXX, XXXX, and Experian. 
XX/XX/year> : Sent second affidavits to Experian and XXXX. 
XX/XX/year> : Sent second affidavit to XXXX. 
XX/XX/year> : Sent third affidavits to all three credit bureaus. 

As of XX/XX/year>, I have yet to receive any substantive response from the credit bureaus regarding my requests for verification. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my XXXX XXXX car account, the entire car actual and monthly payment history is not showing on my Transunion account. This has been an ongoing and over and over event on another credit provider, where the account has been deleted and then various forms or not showing the actual monthly payments that were made
Product: Credit reporting

I have repeatedly filed a dispute investigation with Experian an contacted the accused creditor accounts in my credit file and Experian is not following proper dispute investigation. I do n't believe their even disputing my disputes. Experian feels like the consumer that 's disputing item is a credit repair company but it 's me the consumer. I honestly feel Experian is hurting people credit on purpose to provide identity theft products they sell. Please investigate this company. There destroying American citizens
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to report fraud on my account and figure out how someone was able to get a credit card in my name without me receiving any alerts to verify. Especially because I put a fraud alert on my account back in XX/XX/. The customer service representative named XXXX was snarky with me. Her tone was unsettling and she was short with me. I am left unsatisfied and I am still unsure what will happen next with my credit report due to her lack of information. I asked to speak with her supervisor and she told me they were unavailable. XXXX stated they would call me back, I am still waiting.
Product: Debt collection

My insurance policy ended. I cancelled with the agent and did not renew it. The agent took it upon himself to extend the policy without my consent, now he want monies and is attempting to use a collection agency to collect funds for services that were not authorized or the renewal approved. The collection agency was given specific instructions to verify the debt by producing documents bearing my signature and approval along with other items and has refused to deliver. This in nothing more than " harassment '' and should be dealt with appropriately by your agency.
Product: Debt collection

Procollect Inc has placed a medical collection on my credit report that does not belong to me. The original creditor has contacted them and informed Procollect that the debt does not belong to me and they refuse to have it removed from my credit report. I have also sent debt verification letters and they have not responded, I have disputed this with XXXX, and Procollec has verified it XXXX times even after being contacted from the original creditor informing them that it 's not my debt.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 US Code 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies, Experian, do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 US Code 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

I received my paycheck from XXXX XXXX ( XXXX XXXX ). I deposited mobile to my Chase Bank Account. A few days later accidently grabbed same check ( instead of another check ) and deposited physically at XXXX XXXX. I realized that evening I had made mistake and went to XXXX XXXX next day to cancel deposit. they reversed funds. then a week later Chase Bank reversed funds as well. This check is not in either of my accounts and the funds were not returned to XXXX. I have called so many times to get this corrected. no one can fix this Please help me to get this {$1300.00} back to my employer. call me at XXXX for questions
Product: Credit reporting, credit repair services, or other personal consumer reports

Files on my report were not removed as I was told they would be! Would like assistance please help during rough period!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an error on my credit report involving XXXX XXXX XXXX. The bank has inaccurately reported me as an authorized user on my late grandfathers credit card account, which I have never been added to in any capacity. My grandfather attempted to resolve this matter prior to his passing by contacting XXXX XXXX XXXX to remove my name and correct the error, but his efforts were met with unwarranted obstacles. 

Despite providing all necessary identification, including his Social Security number, drivers license, date of birth, address, and the old credit card number associated with the account, XXXX XXXX  XXXX refused to honor his request. They claimed that he needed to verify a new card they alleged he applied for and received, but my grandfather insisted he never received any such card. Further, the bank would not allow him to file a formal dispute or escalate the issue. 

This situation has caused unnecessary harm to my credit and reflects a failure on the part of XXXX XXXX XXXXXXXX to properly investigate and rectify their reporting error. I kindly ask for your assistance in ensuring this matter is resolved, the inaccurate information is removed from my credit report, and XXXX XXXX XXXX is held accountable for their handling of this issue. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act CBNA XXXX, XXXX XXXX, and Dept of ED/XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

We attempted to set up a payment modification " trial period '' with our Mortgage Co, Ditech. We agreed to pay a set amount by the XXXX of XXXX, XXXX and XXXX of 2018. We paid XXXX 's payment early from our savings account with no problem. We paid through a savings account that we have had for years and had no problem in XXXX. When XXXX and XXXX came along I made arrangements for the payment to come out of my savings account again and in plenty of time. In XXXX I received a letter that Ditech was unable to take our payments out of our " checking account. '' I immediately called Ditech and attempted to correct the problem. They stated that I told them that they needed to take the money out of my checking account. I asked them to please go back and check the recordings of my calls. I waited for a week for the company to get back to me, they did not. I called them one week later and asked what they found out from the recordings. They stated that when they asked if it was checking account I did not correct them, therefore the problem was mine and the modification trial was a fail. We did receive a letter of default on XX/XX/2018. I asked them how to appeal. On XX/XX/2018 we filed a formal appeal letter. We made absolutely no changes to our savings account, and this was the same account that the company had been taking payments from for close to two years. We do not understand how all of the sudden during our " trial '' period we had 2 payment problems that we had not had during the 2 prior years of  payments.
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 an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act And regulation E. these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

I have two complaints to make from XXXX experience. I made a payment online on my credit card from Chase sometime during the week of XXXX XXXX, 2015. The due date for payment was XXXX XXXX, 2015. On XXXX XXXX, 2015, I logged into my account online and noticed the payment did not go through. I checked my bank account, and noticed the funds were not taken to make the payment. As a result on the non-payment, I incurred a {$35.00} late fee. I contacted the credit card company to investigate the issue. After I explained the situation, they asked me to answer some questions in order to gain access to my account online. However, the questions they asked were inappropriate. They asked questions typically associated with verifying information from a credit report. Credit card companies have no business using Information about other credit card accounts or mortgage accounts as security questions for their account. I was not applying for a credit card or home loan. I was investigating a potential mistake that they made. The questions should be more appropriate to the account in question. Since I refused to answer questions I felt were inappropriate, they could not assist me any further in investigating when I was last logged in or if a payment was never confirmed after being entered. The customer service representatives handled the situation as best they could given their policies. However, the policy implemented by Chase of using " credit-report '' style questions to access credit card accounts during customer inquiries is inappropriate. Furthermore, the fact that it impeded an investigation into a potential mistake by the credit card company makes this also an inappropriate policy. Although I do not have any email documentation that shows I scheduled the payment before the due date, I am pretty confident that I logged into their website and made the payment.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Vehicle loan or lease

Volvo is claiming that 3 of the tires on my car at lease turn-in are below tread. This is peculiar and improbable to me for the following reasons : ( 1 ) when dropping off the car no issue was identified ; ( 2 ) I dropped the car off on XX/XX/XXXX and Volvo has tried to charge me for additional months of lease and claimed I had not returned the car in a timely manner ( i.e. Volvo couldn't find the car at their own dealership ). Now that they have located their car, the inspection takes place at XX/XX/XXXX ( over a month later ) and I have no way to validate what wear and tear has occurred over the last month plus. 93 ) Of further concern, the odometer they note in their Lease Termination Inspection Report does not match the amount the dealer noted on XX/XX/XXXX. I have attached both reports. One odometer reading is XXXX and the Inspection Report cites XXXX. ( 3 ) I dropped the car off at the same dealership that has completed all the annual maintenance for the car, and never was low tread identified as an issue ( nor at the last schedule maintenance ) ; ( XXXX ) the XXXX XXXX tires have a 70,000 mile warranty down to tread of 2/32 '' in which there should be a rebate at a minimum. 

This position is very convenient for Volvo to make these claims at the detriment of consumers. I contacted Volvo to better understand and they were completely unhelpful in trying to resolve this matter.