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

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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 or other personal consumer reports

XXXX  Block Request - ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX ), ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) Dear Sir or Madam : 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 XXXX ACCOUNT # XXXX DATE OPEN XXXX XXXX AMOUNT {$20000.00} ), ( XXXX XXXX XXXX  XXXX ACCOUNT # XXXX DATE OPEN XX/XX/2021 AMOUNT {$10000.00} ), XXXX XXXX XXXX XXXX  XXXX XXXX ACCOUNT # XXXX DATE OPEN XX/XX/2021 AMOUNT {$470.00} ) Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 120 days past due on the US DEPT ED partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing erroneous Information on my credit report since XX/XX/2022. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX Balance Owed : {$24.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$0.00}
Product: Bank account or service

I keep receiving multiple calls on my cell phone and house phone from this number XXXX claiming I wrote a bad check from Wells Fargo in 2006. First of all, if I had written XXXX I would have taken care of it. Second, this is the first I 've heard of it and they said I 've been notified previously through mail. Third, the statute of limitations on bad checks in the state of California is 2 years. My concern is how this company got my information. This is an invasion of privacy. My phone numbers are not publicly listed.
Product: Credit reporting or other personal consumer reports

This account was reported on XXXX in the amount of {$620.00}. I advised that this account was opened under my name fraudulently and I also stated that I may have been XXXX swapped. The company has refused to remove this from my credit report and continues to harass me with phone calls, emails, and text messages to pay a bill that does not belong to me. This was reported under a police report XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX, I spoke with someone from XXXX because a collection appeared on my report for {$310.00} and they stated that the company americollect has the account and Verbally verify the account with no type of info on what the account was all they know it is a medical account I contacted Americollect and they stated it was a medical account from XX/XX/2019 which was from a doctor XXXX they could not give me any information on the account so I proceeded to ask XXXX to investigate this again and all they could say is that they would have to verify that this is my account with no itemized statement or anything pertaining to what it is please help me I dont know what this account is for.
Product: Bank account or service

I decided to invest my money with Raymond James in XXXX, 2015, due to the guarantee of protection that I would be getting with my investment. My financial advisor at Raymond James informed me that he could not provide better returns then what I was seeing on my own but what he could do is promise me protection from any major loss if the market was to go into a tailspin. His investment strategy he was proposing was to set Stop Losses in my plan to make sure I got out of the market at 10 % loss if the market was ever to have a major drop in the market. He could not believe that I had no protection built into my current plan that would protect me from a catastrophic loss and what he could offer me was peace of mind and a guarantee that even in the worst of times I would not suffer more than a 10 % loss due to the protection that he would put in place with his investment strategy. I believe the Stop Loss investment strategy was not properly explained because this strategy did the opposite of protection and caused me to have a major loss. NO RISK was even mentioned. I should have never been promised protection if that was not true. The sales pitch I was given was based 100 % on protection. When the market dropped on XXXX XXXX my account was traded at 40 % below the market in some cases. The value of my account dropped by over XXXX. My advisor said that it was not his fault and this has never happened before. I should have never been sold a guarantee of protection if this was not true. My advisor should not have had me invested in XXXX 's that were not liquid and difficult to find a buyer in a down market. I feel Raymond James and my financial advisor are responsible for my loss by their negligence to understand the inherit risk of an investment plan based on Stop Losses, to properly inform me of the risk involved, to have invested my money in XXXX 's that were not very liquid, and to promise protection from a loss of greater than 10 % and yet I suffered losses of 40 % below the market. The response I 'm getting from Raymond James is not acceptable when they are supposed to stand behind their promise of protection and integrity. They empathize with my situation but say the trades were valid trades even though the orders were filled at prices lower than the sop amount limit was set for.
Product: Checking or savings account

A new account was opened on XX/XX/year> under a promotion for {$300.00}. I completed terms of the promotion but the bank refuses to credit my account the funds. I contacted the bank in an attempt to rectify the problem to no avail.
Product: Mortgage

Negligent negotiator assigned to the account and after a 60 day extension was given on the file, the lender has retracted from their agreement and issued a foreclosure sale date for 30 days demanding we close escrow prior to the foreclosure sale date. Short sale negotiator is asking for documents that have either already been submitted or are ridiculous such as " a list identifying all parties in the transaction '' and XXXX documents when the property is not in a XXXX. We previously had to escalate the file because of this negotiator because she consistently told us the property was just going to foreclose rather than trying to help us. Negotiator 's name is XXXX XXXX.
Product: Debt collection

XXXX XXXX  is calling all day every day, twice every hour on the hour. This is Sunday and I have received calls from XXXX XXXX on. They use an unknown number and they do not leave a message. The only way I knew it was XXXX is because I picked up the phone once and demanded they tell me. First they gave me a fake name.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XX/XX/XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been since XX/XX/2019 requesting to have a mortgage through XXXX  XXXX  XXXX  be reported correctly on my credit bureau. I have disputed this several times with all parties and to date this is still reporting illegally and incorrectly. I'm in a back and forth between Experian and XXXX  about the final status of this mortgage. XXXX   responded to cfpb in writing that they have instructed all credit bureaus of a paid in full on this account and to date it has not reported that way on my credit bureau. I paid a mortgage off in full and its being reported " settlement '' or less than full balance. When I called experian they ask if the sale was a short sale, I told them absolutely not. They said XXXX was still reporting account as a short payoff of!!
Product: Payday loan

On XXXX 2016 I applied for a personal online loan from Northern Plains Funding. Everything was done online and I was not giving a copy of the contract after it was signed. I was given an user I.D . and password that only seem to work to sign the documents but after that it did not allow me to log back in to print out my payment schedule. My payment was to be {$87.00} per month for 27weeks or pay the full principle of the loan which was {$700.00}. However, they are now withdrawing {$210.00} every two wEEKS FROM MY CHECKING ACCOUNT. This needs to stop. I did not agree to this. I 've called to complain and asked for copies of my contract which they have not provided. Please help.
Product: Checking or savings account

Tried to pay money to a secured company via ACH, but said PNC Bank made a change and will not connect to pay.
Product: Student loan

My niece begged me to co-sign a student loan for her saying she would have to drop out of college if I did n't. She knew we had a policy of no co-signing but she cried and promised to pay off the loan as soon as she sold a house she owned. She sold the home got XXXX cash then tells me sorry I had to pay other bills no money left. Yet she went traveling all over the country showing herself spending all kinds of money on XXXX. Is there any way I can get my name off her Wells Fargo student loan. It is now due for payments I get the notices in the mail. But she refuses to speak to me. Is there anything I can do? Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : 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

Fraudulent account abused and opened in my name. The account was removed and put back on my credit report.
Product: Debt collection

Every month XXXX XXXX calls and harassers us and lies to try and get us to make payments stating our payment is late when the payment is not even due, he called about 3 times a day and it very aggressive and nasty. He called and spoke to me and was so nasty i hung up then he called my husband claiming we owe {$700.00} my husband told him we don't owe anything but a couple late fees and our monthly payment which is not even due yet. When my husband caught him in his lie he changed the subject and said he wanted the payment anyway. We explain we caught up on our payments and we were on time he refused to listen and get very angary and aggressive. My husband told him to stop calling us and he said no he would be calling every day 4 times a day. My husband told him if he wanted payment for late fees that is what he should says because customer service told us that the payment of the late fees were put on the back of the loan as long as we kept making our monthly payments.
Product: Credit card or prepaid card

I closed the account via phone call with a live rep on XX/XX/2022. I paid the full balance which took me to zero. Since then the company has continued to charge me some type of fee and it is reflecting on my credit every month. I need it removed.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX I am a natural person and this is me XXXX XXXX  submitting this dispute. This dispute is not being submitted by a third party. 

( XXXX, TransUnion, XXXX ) unlawfully placed Late Payments from creditors on my consumer report. These reportings were not verified as required by law and they are also false. I demand that each late payment reported on my account be changed to ok or paid as agreed. For your Review : Please also see the law below regarding my consumer rights, you are herby put on notice. 

15 U.S. Code 1681 ( a ) - Definitions ; rules of construction | U S Code | | U S Law | LII / Legal Information Institute XXXX 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) -Exclusions- Except as provided ( 3 ) the term consumer report does not include Subject 1681s- 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s- 2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information 1 ) Prohibition ( A ) Reporting Information with actual knowledge or errors XXXX have aided this Unfairness by not verifying the accuracy. 
Again as previously stated that the law states that adding late payments to ones consumer report is against the law under my consumer rights. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The following accounts are showing 30 day late payments. Please update 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
Product: Credit card

I am a resident of Florida, who entered into a credit contract with Synchrony Bank/CareCredit via Life Imaging FLA in connection with services for medical scans. It is our belief that this contract was induced by misleading statements and fraudulent representations made by your business. As such, we are formally demanding the immediate cancellation of the contract and any associated financial obligations. 

Misleading Statements and Fraudulent Representations : Specifically, my client was misled about both the efficacy and necessity of the imaging scan offered by your company. During the initial intake process, my client disclosed a family history of XXXX XXXX, a fact which your representative used to strongly encourage the purchase of the scan. At no point was I informed that the scan does not detect XXXX XXXX. 

Moreover, my client was led to believe that the scan would assess blockages in the XXXX and surrounding XXXX. However, they were not informed that it was, in fact, a calcium scan, which only identifies calcified blockages, providing an incomplete assessment of potential cardiovascular risks. I have an XXXX that has 50 % blockage which was confirmed by an angiogram that this scan did not pick up. 

Furthermore, at no stage was I made aware that the process would involve a credit check, nor was it explained that this check could impact their credit score. 
These material misrepresentations have resulted in significant financial and emotional distress for my client. I would appreciate your prompt attention to this matter and look forward to your response regarding potential remedies. 

I submitted the complaint and request to cancel this contract immediately. I received a letter from the bank they received the complaint and were looking into it. They said the matter would be resolved in 60 days but I have not heard back from them. I am in the meantime receiving bills and late fees on my account.
Product: Credit reporting or other personal consumer reports

I am taking the measures to sue equifax if you do not remove these accounts, inquiries and update my personal information. I provided my identification online through the disputes, ftc reports, statements and everything that they ask for. they have my birthday wrong, my name, addresses that arent mine, employers that arent mine, inquires I didnt authorize and the creditors dont even have records of me or accounts, accounts that dont belong to me, and equifax is the only company that refuses to remove anything and make up excuses in the letters saying to provide things I already provided I have been having issues with equifax for years now and I am fed up with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act my rights have been violated. 

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 I have late payments listed on my credit report from XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to XXXX XXXX XXXX  of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Debt collection

My Barclays credit account was opened on XX/XX/XXXX and was in good standing with my payments until it was closed on XX/XX/XXXX according to my credit reports and reported as Charge off/ Collection.

Due to financial hardship during Covid, I was unable to pay on time but was never notified on what was done to my account ; however I tried my best to pay my due balances with the last payment reported on XX/XX/XXXX. 

I was never contacted by the credit lender or any collection agency to notify me about my account being charge off or send to collection. There were no attempts made to notify me or collect my debt. I only discovered this while in the process of getting a mortgage and was told this account was hindering my approval. 

I have since tried to contact Barclays and was referred to a phone number that supposedly belonged to a collection agency. But the phone number was out of service and somehow transferred my call to a credit repair company called XXXX. I was under the assumption that they were the collection agency and I had given them my personal info including my SSN, Debit Card #, and XXXX in order to settle my account. Thankfully I did my own research and was able to cancel my case with them. 

At this time of filing this complaint, I am still unable to figure out what had happened to my account, who owns my debt, or where to settle my account. I have reached out to Barclays once again, they were able to track my account but still unable to clarify to me where or who to contact in order for me to get this account settled.