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

" Your agency is in violation! 
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. 
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. 
Delete this at once! '' XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ), XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ), XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor claims they have verified these late payments on my XXXX account, when I have never been late! I have reached out numerous times telling them to stop freaking reportin these late payments on a consumer transaction! I know my rights as a consumer, involved in a consumer transaction that included a finance charge. Under 15 usc 1605 a finance charge is the sum of all charges for a transaction, so how in the XXXX do I have late payments when the finance charge included a sum of ALL charges for a consumer transaction? Congress defines a credit card under 15 usc 1602 ( I ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purposed of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. In this consumer transaction the credit card that was used was my Social security and this is the credit card that I have been freaking using to enter any consumer transaction. Since credit was extended by me as the freaking original creditor this transaction should not have been reported as late, pursuant to 15 usc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. As I stated BEOFRE, my credit card in this consumer transaction was my Social security card. Therefore this XXXX creditor is violating my rights as Federally Protected consumer, and I want this taken off my XXXX report immediately and updated to paid as agreed! These alleged late payments are bringing down my reputation, with misleading information on my XXXX consumer report and is a violation pursuant to 15 usc 1692e ( 7 ), as they claim I made alleged late payments which has damaged my reputation and caused me unnecessary stress as result of their actions!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below have 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 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Grain has been reporting incorrectly to XXXX & XXXX for MONTHS! And this is messing up my credit profile. They originally had fixed this issue, but now they are reporting it as a charge off AGAIN! I have attached all my billing statements directly from grain to show that this account is active and not charged off and I have been making on time payments multiple times. I am interested in seeking legal help in this matter if it is not resolved. I would prefer the credit bureaus delete grain off my credit profile completely since the reporting has been an utter mess. The account has been paid and current for over a year. Please help me in getting this matter fixed. If you need every credit statement I have I can also send that over.

PLEASE HELP! The account is NOT charged off!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts so many times and I do not understand how the consumer reporting agencies continue to violate the FCRA by reporting inaccurate information. 
XXXX and XXXX are both reporting the XXXX XXXX account # XXXX. XXXX is reporting a high credit of {$0.00} and this is absolutely wrong. XXXX is also missing the account type detail and according to the FCRA I have the right to a complete consumer report and this is a violation of that. XXXX and XXXX are also reporting a different date last active and date of last payment. XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. This is inaccurate. The date of last payment XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Both are wrong. Now the consumer reporting agencies claimed that this information was verified by the creditor. But why would the creditor give each consumer reporting agency different information. They are using XXXX to verify this information and clearly XXXX isnt a reliable source. I have given the consumer reporting agencies enough time to fix their mistakes but they ignored me so I am demanding this account be deleted asap. 
XXXX and XXXX are both reporting the XXXX XXXX account # XXXX. XXXX has never updated this account to reflect that it was disputed by the consumer and this is a violation of the FCRA since I have disputed this account several times already. This alone is grounds for deletion. The high credit is reporting {$450.00} with XXXX and this is inaccurate. XXXX is reporting an account detail lease and XXXX is reporting auto loan and this is inaccurate. According to the FCRA, everything reporting on the consumer report must be 100 % accurate and this account is not. XXXX is reporting a date last active as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX and they are wrong. The date of last payment with XXXX is reporting as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. I am demanding this account be deleted due to numerous violations of the FCRA. 

XXXX is reporting on Transunion and XXXX and after numerous dispute letters I have sent. I know by law these accounts should be reflecting that I have disputed them and they are not. Since this is a violation the FCRA I am demanding this account deleted from my consumer reports asap. 

XXXX is reporting on Transunion and XXXX and after numerous dispute letters I have sent. I know by law these accounts should be reflecting that I have disputed them and they are not. Since this is a violation the FCRA I am demanding this account deleted from my consumer reports asap. XXXX is also reporting credit limit of {$0.00} and this is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this single account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX BALANCE : {$230.00}
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXXXXXX Balance : {$1700.00}
Product: Debt collection

Im receiving multiple calls every single day. More than 7 calls within a 7 day time frame. Including back to back calls where they hang up and call right back.
Product: Debt collection

In XXXX of XXXX, my employer began garnishing my wages. I then learned thru phone calls that this garnishment was for XXXX XXXX XXXX XXXX XXXXXXXX XXXX fines that went as far back as XXXX. As I did further research I found out that some of the fines that were included in their petition were incorrect. I talked with the the Court and they have yet to offer me any remedies. The company is called Collection Bureau of Kansas out of XXXX, Ks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX account XXXX In accordance with the Fair Credit Reporting act 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 15 U.S.C 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: Debt collection

Debt I have no knowledge of never had an account with astound ever
Product: Credit card or prepaid card

I am the owner of a Bank of America Credit Card. I noticed in my statements that the Bank Of America added an {$1.00} fee to my statements. 
My card has a zero % interest rate. 
I called the bank on XX/XX/2020 at XXXX XXXX and asked about the {$1.00} fee. 
The banker responded that the fee was an interest. 
I asked the banker, to show me, on the statement where it says, i have to pay any interests if my interest rate is {$0.00} ( zero ). 
She referred me to the first paragraph of the statement where the word interest not fee is being used. 
in that statement it states that if I have a balance on my credit card that interest might be charged, it does not say that a fee might be charged. 
According to the Bank Of America representative there is no difference between an interest and a fee. 
On one hand, the statement says that i have a zero percent interest on the other i am being charged a {$1.00} fee because of interest. 
The Bank is intentionally misleading consumers by confusing the terms : fee and interest. It is also confusing consumers by not disclosing that so called " fee '' to consumers when they apply for credit cards. 
Bank of America is doing false and misleading advertisement. How can they advertise the credit card as a 0 % percent credit card when in fact they are charging interest by calling it a fee?
Product: Debt collection

I received a Notice of Writ on Garnishment & a Continuing Writ of Garnishment Against Salary or Wages. The final judgment against me was obtained on XXXX XXXX, 2004. I am in Florida and the Statute of Limitations is 7 years. To protect myself I am filing a Head of Household Claim of Exemption & Request for Hearing in XXXX XXXX Court today. I have done research on the Plaintiff, Asset Acceptance and have found many complaints and class action lawsuits against them for illegal and unethical practices. I am very concerned about this as I am supporting a XXXX child on less than {$500.00} a week net and my employer has begun withholding 25 % of my net pay until the hearing is held and my exemption is ruled on. This company at one time froze a bank account that received direct deposit for child support and my minor child 's XXXX, while I was unemployed and a student, which is illegal!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Company failed to investigate a late payment reporting inaccurately on my credit report I open the investigation they close it the next day as accurate Ive included a letter from the creditor and they still refuse to remove the late payment
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 Act ( CFPA ). Specifically, Cash App failed to take timely effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process 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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Incorrect names. I requested it to be removed but still wasn't removed As Per : 15 USC 1681b- remove all address and phone number, and email-XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau several times regarding these unauthorized hard inquiries that are not mine.It has been well over 60 days and I have no received any response via phone or thru the mail. The customer service would not help in removing any of the negative inquiries reporting to my credit report. 

XXXX  XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX. 
XXXX Inquiry : XX/XX/XXXX.

XXXX Inquiry : XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been contacted by Capio Partners via mail and telephone regarding medical debt that I have no knowledge of. On XX/XX/2023, I requested verification of the debt to include, but not limited to the original contract giving rise to the debt and other documents to support the debt as I have never received a bill regarding this alleged debt. Capio Partners has failed to provide me with the original contract or services rendered that resulted in this debt. Instead, they have provided me with a simple statement of the debt with no letterhead or records from the original creditor.
Product: Credit reporting or other personal consumer reports

The following accounts have been removed under the Debt Bondage Repair Act due to XXXX Please follow suit and remove accounts as well so that my consumer reports are reporting accurate information across all 3 major consumer reports. Please see attachments for proof. 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
Product: Mortgage

When discussing the original loan estimate with XXXX XXXX XXXX # XXXX. She noted that in order to obtain my business, Quicken Loans would be offering {$3500.00} in lender credits, as well as Quicken covering the lender 's title insurance for my loan ( see email attached noting what Quicken would cover ). Multiple times during the call, I noted that it was {$3500.00} in lender credits AND Quicken covering the title full well knowing that a portion of title would be paid by the seller ( {$1000.00} as stated in our purchase agreement ). I signed the estimate disclosure which broke out the {$3500.00} in lender credits as well as {$910.00} in " Lender Title Insurance Adjust '' ( see attachment sent directly from Quicken ). I was under the impression that Quicken would be covering the roughly {$4400.00} in total closing costs per our discussion and the items signed. When I received my first closing disclosure, it was riddled with errors with Quicken trying to pass off seller paid closing costs as lender credits ( see attached ). It took numerous phone calls over a 3 day period to finally get any resolution. At that time my loan was ready to go and I received my final closing disclosure. As my current closing disclosure stands, when looking at total lender credits it totals {$3500.00} which incorrectly includes some title credits I thought were going to be in addition to the {$3500.00} I was receiving. Quicken is reporting the total seller paid title costs ( {$1000.00} ) as buyer paid ( {$910.00} included in section C. and {$160.00} included in section H. ) and then adjusting them out of the final cost to close ( which I should correctly not be paying ). The problem lies in that I was told per my estimate I would be getting {$3500.00} AND Quicken would cover lender title costs, currently in my closing disclosure it shows {$520.00} and {$570.00} in title lender credits, which is being incorrectly added into my lender credit total as those should be separate to lender credits. I spoke with XXXX 's boss, XXXX XXXX XXXX # XXXX, he stated that the {$910.00} in " Lender Title Insurance Adjust '' was always just Quicken backing out the seller paid portion of title which was not directly addressed to me when I signed for the original estiamte. The email, as well as the signed estimate disclosure mislead me to believe that I was in for a larger amount of closing cost covered that was actually given. I am due to close on in 1 business days and therefore do not have the time to discuss further and can not pull the loan now as it will jeopardize the purchase of the house.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from the advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1001.142 ( b ) ( 7 ). I kindly request that you block this information from my consumer report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all the listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts within 4 days :
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is reporting the below referenced accounts on my credit report as a collection account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed these items with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 U.S.C 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed accounts : XXXX XXXX XXXX XXXXXXXX XXXX Open Date [ XX/XX/year> ] XXXX. XXXX XXXX  XXXX Open Date [ XX/XX/year> ]
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

TD Visa Credit Card was MISSING -- so i did not make any of the charges currently on the card. I have already reported the card missing many months ago, and so these UNauthorized charges should NOT be on my account still! Moreover, I was told upon reporting this that " Visa 's Zero Liability Policy guarantees that customers would not be held responsible for unauthorized charges made with the account ''. So the fact that this still has not yet been fixed is a breach on policy.
Product: Debt collection

MIDLAND FUNDING LLC has threaten to take legal action against me and when I told them should I get my lawyer involve they back out and told me no sir it's not necessary. The told my that the collection account was in a legal status in my local area. It was very abusive and I felt scared for my life.
Product: Mortgage

I was making payments until XX/XX/XXXX when I lost my job due to covid I have since found a job as of XXXX XX/XX/XXXX select portfolios serving has put a sale date on my home I've been trying to work with them however all I'm getting is they want to sell my house they sent me paperwork with an rma in there then I send it in and they return paper saying there is no rma fir this loan