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

I am filing a formal complaint regarding Experians ongoing unfair and inaccurate handling of my credit report, which has caused significant harm to my financial standing and well-being. 

Despite my efforts to fulfill financial obligations, including settling accounts through agreed-upon payments and resolving disputes, Experian has failed to accurately reflect these actions in my credit report and score. Specifically : Unfair Credit Score Impact : After paying off the account with XXXX XXXX XXXX, as documented in the attached materials, my credit score remained unchanged. This is despite a significant reduction in outstanding debt. According to Fair Credit Reporting Act ( FCRA ) guidelines, credit scores must accurately reflect changes in credit behavior. Experian 's failure to adjust my score accordingly is a violation of this principle. 

Incorrect Reporting of XXXX XXXX Account : Experian continues to report incorrect and derogatory information related to XXXX XXXX, despite the fact that this account was fully resolved with the company. XXXX XXXX confirmed that they closed the account, ceased all collection activities, and requested the removal of their tradeline from my credit report. Experians failure to accurately update my credit file is a clear violation of FCRA regulations and has further damaged my creditworthiness. 

Violation of FCRA Requirements : Experians failure to update my credit score and remove resolved accounts undermines its obligation under the FCRA to ensure the accuracy and fairness of credit reports. Descriptors such as Account Paid for Less than Full Balance and the continued presence of resolved accounts imply inaccuracies that misrepresent my financial standing. 

Harmful Misrepresentation : Experians mishandling of my credit report has caused undue harm by misrepresenting my financial behavior, thereby affecting my ability to secure favorable terms for credit, insurance, and other essential financial services. 

Requested Actions : Immediate Correction : I demand an immediate correction to my credit score, reflecting the positive impact of my repayment and debt reduction. 
Removal of Incorrect XXXX XXXX Information : The inaccurate reporting of the resolved XXXX XXXX account must be corrected, and the tradeline should be permanently removed from my credit report. 
Audit of Reporting Practices : Experian must conduct an internal audit to identify and rectify any systemic issues that lead to such inaccuracies. 
Adherence to CFPB and FCRA Regulations : Ensure all actions comply with the Consumer Financial Protection Bureaus ( CFPB ) and Fair Credit Reporting Act ( FCRA ) standards. 
I have attached supporting documentation, including my credit report, payment proof, dispute results, and XXXX XXXX  confirmation of account resolution. I trust Experian to take immediate and corrective actions to ensure the accuracy and fairness of my credit report. 

Thank you for your attention to this matter. I look forward to a prompt and thorough resolution.
Product: Debt collection

Progressive Management System failed to let me know on the first attempt what my " debt '' was about. Second attempt spoke to my son who is the patient involved and was told the wrong amount. On the third attempt I figured out that the two letters where in regards to two accounts that where pending due to insurance verification. Two days prior to the call I placed to question the debt, I had already established a payment plan with the medical company. I had paid partial on both bill. There were no letters of notification that there were going to send them to a collection agency. XXXX., the account representative for Progressive management system, was very rude after I clarified with her that the account in question was already partially paid. She raised her voice and insisted that I was going to get a call for the bills if it was not resolved with the XXXX. I explained to her again that I had a payment plan in system and I had no idea why this was in a collection agency. Again, she raised her voice and became agitated and rude and told me that she was forwarning me that I would pay to them because they had a contract. I explained that this was between them and the medical company because I was n't even aware that this was being sent to a collection agency. She told me to stop having an attitude and that it was n't her fault that I could n't pay my bills and she was only there to help. I felt very unconfortable and threaten because she kept telling me she was forwarning me. I felt like I was going to lose my payment plan already established and be forced to pay the collection agency. Once I hung up, I called the medical services and spoke to the agent I had established the payment call with and said that my case had not been referred to a collection agency and that my payment plan was still in place. I was left confused and threatened by XXXX. from Progressive Management Systems .
Product: Money transfer, virtual currency, or money service

In XXXX my XXXX asked if he could pay his rent using PayPal. To accommodate him I set up a PayPal account and he paid several payments on XX/XX/XXXX. System worked fine. The next month my tenant paid on XX/XX/XXXX. This time the funds were on " hold '' and he has been unable to release the funds. My XXXX says he has done all he can and that Paypal has removed the funds from his account. Paypal doesnt give me the option to speak to anyone, their dispute center says the dispute is with the " sender '' but the sender says they already took his money and he cant do anything else. Paypal is " floating '' the money as they say they will hold it until XX/XX/XXXX. I am put in a particular situation here as technically I have not received the rent therefore I should start legal action against my XXXX. However, my XXXX  says he has done all he can and he cant get a hold of a live person at Paypal either. This is a SCAM. I bet if you investigate Paypal you will find that they are floating customers funds illegally to the tune of millions. I have " submitted '' questions and complaints through there messaging center over five times over the last 11 days. How can this be legal?
Product: Payday loan, title loan, personal loan, or advance loan

I honestly do not see how this company is still up and running I paid this company off early regardless of the fact that they should have marked this account closed a long time ago when I showed them the contract wasn't fulfilled... I still paid it off through my attorney cause the reputation of the company lies. I sent in proof of payment over and over but they still act like they don't know what is going on..my Attorney and I was told they would defer the payments for that month until the payments were received they sent an email saying congratulation paid in full then turned around sent a bill with me owing more then I paid off its crazy. and B4 u ask yes I did send the email to them as well They said we would get back to never did but guess what I got two bills in the mail and one email saying I need to pay them again ..they added interest and more money to a bill which is paid in full and did I mention this case was closed to begin with yes it's a closed account cause i reported not getting full service of what I paid 4... SO NOW I WAIT AS THEY SAID TO DO SENT INFO OVER 5X IM DONE GIVING THEM THE SAME INFO AND NOTHING IS BEING DONE.. THIS COMPANY HAS SO MANY COMPLAINTS ABOUT THE SAME THING WHY R THEY STILL UP AND RUNNING
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 proce 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 XXXX  have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I met with the attorney at a hearing in XXXX county court, She was very helpful and suggested that I contact her firm to arrange a payment plan on a debt that I owe XXXX, I called RAS Lavrar , LLc XXXX XXXX and spoke to XXXX and after answering all the questions multiple times and not getting any results I asked to speak to a super viser, Had to wait in line for a while, ,Finally XXXX XXXX got on the line and asked me the same questions, I told her that I had all ready gave that information to XXXX, but she insisted and said that if I wanted to speak to her I had to answer all the same questions, Again I felt that this is a tactic they use to intimidate you, Now that I had answer the same repeated questions she hung up on me, She call me on my cellular phone just to check if my phone number was ok, She said that we lost connection ( Liar ) and she started to asked me the same questions once again,, i told her that it wa unprofessional to deal with them and I was going to file a complaint, C'mon this people should not be in business pretending that they are going to help you instead they play with your mind, your time, your integrity, " `To a point that you know that they are not going to help you whats so ever " " " " " " " " " SHAME ON RAS LAVVAR LLC XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX Shame on XXXX and XXXX Sincerely a very disappointed client of XXXXt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX ) collection has been paid. The XXXX collection of {$230.00} was placed as a mistake due to an alleged balance after account has been Closed and Paid off in 2021. Matter has been settled with XXXX and balance paid {$60.00} ( confirmation # XXXX ) but XXXX collection is still showing on 3 credit bureaus bringing my credit significantly lower. Urgent! I am in a process of obtaining a Mortgage. This record is a HOLD up for getting the loan. I am asking to delete derogatory information from all Credit reports ASAP. Thank you for understanding and consideration of the seriousness of the situation
Product: Credit reporting

I FILED A DISPUTE WITH EXPERIAN CREDIT BUREAU ABOUT MY COMPLAINT OF XXXX REPORT OF PAYMENTS OF {$120.00} A MONTH WHEN MY PAYMENTS THAT WERE MADE WAS {$170.00} A MONTH SINCE XX/XX/2016 THRU XXXXWITH TWO PAYMENTS MADE XX/XX/2016 OF {$170.00} EACH. THE ENDING BALANCE IS INACCURATE AND THE MONTHLY PAYMENT AMOUNT IS INACCURATE. I HAVE SUBMITTED BANK STATEMENTS TO REFLECT THE ACTUAL PAYMENTS MADE TO XXXX BY BANK DRAFT
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was living at the XXXX XXXX XXXX XXXX XXXX XXXX, to avoid the XXXX of a Social Worker operating an UNLICENCED, but XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My account is again frozen and my bank debit card has been rendered inactive interfering with my setting up my new apartment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

American Express has charged me an annual fee for a XXXX. I had notified the company that I do not want the card if there is going to be an annual fee. American Express charged after assuring me of no Annual fee and without any notice. I did not notice the charges right away because my account is on Auto Pay and American Express never notified me in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and someone obviously used my name because there's information on my credit file that does not belong to me. Please remove the following accounts and block them from my credit file. 

1. XXXX XXXX  2. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has a lot of accounts and personal info that needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX 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 None of the accounts were deleted from my account and are affecting my financial situation.
Product: Credit reporting or other personal consumer reports

I'm a natural person and a consumer as defined by the FCRA 15 USC 1681a ( c ) who resides in XXXX New Jersey. I received my consumer report and noticed accounts on my consumer report that is still inaccurate. I've been disputing the negative, erroneous items for months now and my consumer rights are continuously being violated by this agency. In response to my disputes, this corporation claimed the accounts are verified. The information on these accounts being furnished on my consumer report are in fact inaccurate. Pursuant to 15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency, shall promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. The reporting of these accounts are in violation of 15 USC1681e ( b ) ACCURACY OF REPORT. Please see attached a copy of my consumer report and I circled all the inaccuracies, incorrect and erroneous information for your review. How can you verify inaccurate information? This consumer reporting agency has violated METRO 2 Compliance procedures and format for reporting and disregarding the laws that Congress has put in place for the consumer! I've put this company on notice multiple times and gave them the right to cure. At this point it seems like the only way I can receive remedy for these violations are to pursue legal action.
Product: Checking or savings account

I started a savings account needed to make a transfer from my father 's account to my account upon his death and made a deposit of {$100.00}. The transfer from my fathers account proved problematic due to terms of his will so I wanted my funds back. Multiple attempts to get my funds have been ignored entirely. Other people with similar experiences as USAA have said that USAA sold a portion of their business to XXXX XXXX and many accounts were stolen, lost or not transferred in a seamless manner to the account holder and legal action was needed.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX  - $ XXXX XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX, Account # XXXX, and under the account name XXXX XXXX XXXX, has violated my rights on multiple fronts. FCRA Section 602A mandates that consumer reporting agencies must ensure the accuracy of the information they collect, maintain, and report about consumers. However, XXXX XXXX XXXX has failed to comply with this requirement, resulting in misleading and inaccurate information being furnished to creditors and other entities. 

Moreover, under FCRA Section 605B, consumer reporting agencies are strictly prohibited from including medical information in a consumer 's credit report without the consumer 's consent or unless required by law. Despite this safeguard, XXXX XXXX XXXX has included sensitive medical information in my credit report without any legal basis or my permission. This unauthorized disclosure of medical details not only violates my privacy rights but also undermines the fairness and accuracy of my credit report. 

Additionally, under Section 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors such as XXXX XXXX XXXX must cease collection efforts until they provide verification of the debt upon the consumer 's request. Despite my repeated requests for validation of the debt they claim I owe, XXXX XXXX XXXX has continued aggressive collection actions without providing any satisfactory verification. 

These egregious actions by XXXX XXXX XXXX have caused severe financial distress, damage to my reputation, and emotional turmoil. I demand immediate correction of my credit report to remove all inaccuracies, including the unauthorized medical information, cessation of all collection efforts until proper validation of the debt is provided, and compensation for the damages and emotional distress caused by their unlawful conduct.
Product: Mortgage

I have paid a mortgage off on my home and the Bank refuses and/or failed to cancel the lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( opened XX/XX/XXXX ) {$5900.00} Credence Resource Management ( opened XXXX ) {$1800.00} XXXX XXXX ( opened XX/XX/XXXX ) {$1000.00} In accordance with the Fair Credit Reporting Act XXXX XXXX  has violated my rights. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without written instructions. 
Also please be advised that under Federal Statues, The Fair Reporting Act ( 15 USC 1681 et seg ), my consumer credit statutes, and subtitles D of the ARRA, section 13401. Application of security provisions and penalties to business associates of covered entities and S.E.C. 13407 ( 1 ) BREACH OF SECURITY. 
The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual you may be held liable for the actions of XXXX  XXXX. Please note that these liabilities are under the penalties of the Omnibus Finale Rule effective XX/XX/XXXX, interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XXXX. 
HIPPA and North Carolina 's medical privacy statutes and the penalty provisions of the ARRA section D, privacy provisions of the ( HITECH ) Act as issued XXXX and the Omnibus Finale Rules effective XX/XX/XXXX and the Fact Act Final Rules effective XX/XX/XXXX, are in effect in this situation. 
The privacy act prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.
Product: Debt collection

A company named NATIONAL CREDIT SYSTEM who bought debt and paid it from Original creditor : XXXX XXXX XXXX XXXX  refuses to remove from my credit report this debt I do not owe. I presented police report information showing my ID was stolen, have tried to reach this company and they disconnect the calls. Consistently harassing me for a payment. The collection companies need to be held responsible for their actions of harassing consumers after the have bought debts not knowing full details of what's going on and harassing consumers to pay THEM..even after they have already paid the debts. Only my ID is attached to this account, no where is my social security number attached to this account and I explained this to the person over it. I can never get a call back or anything. PLEASE GET THIS HARASSING COMPANY NATIONAL CREDIT SYSTEM OFF MY CREDIT REPORTS..XXXX XXXX XXXX XXXX XXXXXXXX IS NOT MINE, WHEN A PERSONS IDENTITY IS STOLEN, OF COURSE ONE WILL BE ABLE TO PRESENT AN ID. REMOVE THIS FROM MY CREDIT REPORTS IMMEDIATELY AND THIS COMPANY NEEDS TO BE SHUT DOWN PERMANENTLY!!!! THIS HAS BEEN SO STRESSFUL AND THE HARD INQUIRIES FROM MY REPORTS AS WELL REGARDING RENTAL/TENANT INQUIRIES. I was in a XXXX XXXX for almost 2 years. So this definitey was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with VETERANS UNITED HOME via XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXXETERANS UNITED HOME via XXXX XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Debt collection

I received a letter from the ZuntaFi company about how my student loan servicer has changed to them and not XXXX. I am currently up to date and paying my student loans with XXXX. The account manager XXXX XXXX, stated that I owe {$17000.00} and if I pay {$3500.00} my student loans would be paid in full. I told her that I am paying my student loans with XXXX and have no other federal or private student loans. She insisted that I was wrong and has been sending me letters, emails, and threatening to damage my credit. I have confirmed my student loans with XXXX and the Federal Student Aid ( government ) website. None of this information she has is correct. She mailed me my original promissary notes, that has been refinanced with XXXX. I am still paying them off. I have asked her to stop contacting me and to cease all communication and harassment. I would like to report her ( XXXX XXXX ) and the company ZuntaFi Corp XXXX XXXX XXXX for illegal business practices and scamming. She has sent me a letter stating that she will send the dispute to the credit reporting agencies and may take up to 30 days of longer to update the reports. There address is XXXX XXXX XXXX XXXX XXXX, SD XXXX. Please look into your student loan balances on the Federal Student Aid website to very all student debts owed. If I didn't do this, I would have paid {$3500.00} on a debt that I am still paying on. Please be careful out here.