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

I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. 

This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files THESE ARE THE FRAUDLANT ACCOUNTS XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX IDENTITY THEFT - I HAVE KNOW KNOWLEDGE OF THIS FRADULANT ACCOUNT.FCRA .-PURSUANT 15 USC 1681 ACCURACY FAIRNESS OF CREDIT REPORT NO PERMISIBLEPURPOSE
Product: Debt collection

Company provided a " Financial Acknowledgement Form '' containing my forged signature. 
Note : Company could not provide a valid explanation for this action. 

In a earlier request, company was requested to provide debt validation documents to verify debt. However, company provided a false document as a replacement for a document that it did not possess. 

Additionally, in an attempt to request an explanation of the forged document, the company justified its answer to the Attorney General 's Office and my self with the explanation, " We do not know how to answer that claim ''.
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 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: Vehicle loan or lease

My XXXX XXXXXXXX XXXX was hit and totaled by a XXXX XXXX insured individual on XXXX XXXX. 
( XXXX ) It took 3 months to get anyone at KiA to give XXXX XXXX the information they needed to payoff the vehicle. 
The sent a Payment of over {$26000.00}, the actual payoff was only a little more than {$22000.00}. I was charged for 2 more months after the accident as well as they received {$4000.00} more that they payoff amount.
Product: Debt collection

The Receivable Management Services reported to the credit bureaus a derogatory collection on my account XX/XX/2019. I did not receive any correspondence by way of mail or a phone call before they reported to the credit bureaus. As soon as I found out about the derogatory reporting to the credit bureaus, I sent a letter XX/XX/2019 to Receivable Management requesting validation of this debt with competent evidence bearing my signature. I received a response letter from them just stating that I had an amount due with no validation of the debt. I again sent another letter XX/XX/2019 requesting any viable evidence bearing my signature showing the account being reported accurately. Again, they sent a copy of the first response with no validation that I owe any debt to Receivable management.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX 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: Debt collection

Receiving collection notices in my name for medical debt incurred by my granddaughter who is XXXX years old and has nor lived with me in over five years. I have told them not to contact me since I have no information about the debt or her whereabouts. I consider this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the newly established policy of the President of the United States, to wit : The debt of these XXXX  veterans will be completely erased,, I hereby respectfully request that Transunion and XXXX erase are references to any and all debts owed to The United States Department of Education, XXXX XXXX, or their assignees/agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I, XXXX XXXX, Consumer and Original Creditor, sent in an affidavit of truth to TRANSUNION regarding incorrect information on my consumer credit report pursuant to 15USC 1681a ( 2 ) which states Exclusions that are not supposed to be reported on my consumer report. I have also called in to Transition to get these things removed and as of today they still remain. The information that is listed on my credit report is an invasion of privacy and it is also causing damage to my reputation as a consumer. I demand that these accounts be removed immediately as they are in direct violation of federal law as TRANSUNION will be held criminally and civilly liable for these violation pursuant to 15USC 1611 and 15USC 1640.
Product: Credit reporting or other personal consumer reports

i recently noticed some inquiries on my credit profile that were never authorized. I demand that the inquiries be removed. I have a statement on my credit that states if anyone is authorizing my credit to call me. I never recieved any phone calls to authorize any of these inquiries. Block the inquiries as they are harming my credit. 

Inquires to remove 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 or other personal consumer reports

My account with BK OF AMER was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


BK OF AMER Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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. XXXX and Equifax must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}
Product: Debt collection

Impolite people calling from something called " Convergant Outsourcing '' looking for someone I do n't know. 

Immediately began to ask me questions about myself after I asked them to NOT call here anymore.
Product: Mortgage

I took steps to try and remove PMI from my PNC Mortgage loan, since value of home is about right. Started the process by inquiring with PNC what the steps are. They stated if the home current value on a current appraisal is 80 % ( exact numbers given ) and there has been an upgrade on the home, then we cant take the PMI off. We paid out of pocket for the appraisal ( to appraisal company hand picked by PNC ) and the value came back a few thousand dollars short. So we PAID into the loan the difference, so we could meet the cost to value requirement. So that issue is resolved. The upgrade issues is complete replacement of the HVAC system. The old HVAC ( house bought two years ago ) was at the end of its life, and needed replacement as evidenced on a home inspection reports used as part of the home purchase. So within the last year we have completely replaced the entire HVAC for the entire home. This is part of the home and hence qualifies as a home upgrade. So now PNC Mortgage reports their " XXXX XXXX '' do not accept the HVAC replacement as an upgrade, also, they have changed the rules ( not noted on original PMI paperwork when home was bought ), now if thy make a new rule that if there is no upgrade of their liking they have decreased the loan to value to 75 % instead of 80 % before the PMI can be removed.
Product: Checking or savings account

I filed a complaint with you all about bbva and then they closed my accounts ... this has to illegal. Can I sue them.
Product: Credit reporting or other personal consumer reports

this is a rental property agreement that i have no knowledge of. this is a result of id theft
Product: Credit reporting, credit repair services, or other personal consumer reports

BK OF AMERXXXX 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX will not provide a report or show my scores. I have sent all the information they need and required to disclose my report. I have tried vigorously for months to try and get my report and scores with no luck. My accounts are not frozen and never I have I frozen them
Product: Student loan

I have loans from 3 different colleges I graduated from while working in XXXX XXXX  for the last 15 years and have applied for low payments and loans forgiveness working in XXXX XXXX XXXX. Each time Ive applied and sent in paperwork they claim nothing is on record and my loans have more than doubled due to interest. There was a time our XXXX  reduced my pay by XXXX one year and then I was laid off for 3 years as an administrator and all I could find was substitute work. Navient still did not reduce my payments, forgive any of my loans and impacted my score.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trident Asset Management, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Account Number : XXXX Cease and Desist Communication and Remove Account from Credit Report Dear Trident Asset Management, This letter serves as a formal request to cease and desist all further communication with me regarding the aforementioned account number. I demand that you immediately halt all phone calls, letters, emails, and any other form of communication. 
Furthermore, I request that you remove the collection account associated with the aforementioned number from my credit report. I believe this collection is in violation of my consumer rights : * Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

* Consumer ( myself ) have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) * Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Please provide written confirmation of my request to cease communication and remove the collection account from my credit report within 30 days of receiving this letter. 
If I do not receive confirmation within the specified timeframe, I will be forced to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone stole and used my credit cards and made fraudulent and unauthorized transactions on all 3 of my credit card accounts. My entire credit limit was used and all the transactions are fraudulent and unauthorized. The following credit card accounts are lost/stolen : XXXX XXXX XXXX credit card account, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card account, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card account, XXXX, the accounts are lost/stolen and all of the charges/transactions are fraudulent and unauthorized.
Product: Debt collection

In XX/XX/XXXX a company name XXXX XXXX XXXX XXXX reported that I took out a loan for XXXX and agreed to pay it back in one month. Well I disputed this item ( s ) per XXXX XXXX XXXX. A creditor has 30 days to reply to a dispute, This company did In 7 days durning the early month of XX/XX/XXXX clearly saying That I took out this loan for XXXX In XX/XX/XXXX & reported as a collection in XX/XX/XXXX. I phoned and also Electronically requested by ( e-mail ) a copy of a signed contract showing my hand signed signature agreeing to pay it back or that I even took out a loan for XXXX. Its reported to the credit bureau ( s ) as the original amount. I have tried very simple efforts to get them to either provide me with this agreement Or delete this from my credit report ( s ), Instead they updated my credit report ( s ) as accurate without providing me with any of the documentation I requested from them.
Product: Mortgage

In an effort to rapidly repay the HELOC, I sent Capital One XXXX several XXXX dollars over and above the monthly interest payment. On XXXX occasions in the last 12 months, Cap One applied the payment to " this '' month 's interest, and to " next '' month 's interest. In XXXX cases, they mistakenly credited my account with a couple dollars less interest and applied the rest to principle, then filed a 30-day late payment notice with the credit bureaus.
Product: Student loan

Because of Covid, payments are not due as in pre Covid. I have been making some payments as my choice but not regularly. Navient continues to charge interest illegally and send me threatening letters as well as impacting my credit. I don't understand how is this possible in light of the Federal Government 's ruling on XXXXXXXX loans. 

To be clear, I only owe a small amount now to Navient but I refuse to be hassled illegally. In comparison, XXXX XXXX, whom I work with on my XXXX XXXX loans has complied with covid rulings completely. As it should. 

Navient needs to be punished for continuing this type of harassment.
Product: Debt collection

I am formally disputing CREDIT COLLECTIONS the illegal re-reporting of a previously deleted collection account on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting inaccurate or unverifiable information. Additionally, re-aging or re-reporting a previously removed collection account is a violation of the FCRA and constitutes unfair and deceptive practices
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax, e-OSCAR, and the Metro 2 reporting systems due to ongoing inaccuracies and inconsistencies in my credit reports. Despite multiple attempts to resolve these issues directly with Equifax, they remain unresolved, causing significant distress and financial harm. 

Nature of the Complaint : XXXX. Inconsistent Credit Reports : - My credit reports differ significantly between Equifax.XXXX, XXXX and Refresh.me. 
- The information reported to XXXX, which aligns with what banks are seeing, does not match what is displayed on EquifaxXXXX. 

XXXX. Specific Discrepancies : - XXXX XXXX ( Account Number : XXXX ) : - This account shows on Refresh.me and should be showing across all versions of my report. 
- All inquiries related to this account should be removed as per my dispute resolution. 
- XXXX XXXX XXXX Collection : - This collection appears on Refresh.me and XXXX but not on EquifaxXXXX. 
- The collection should be removed from all versions of my report as per Equifaxs confirmation of its removal. 

XXXX. Failure to Correct Disputed Items : - I have disputed several items on my credit report with Equifax. 
- Equifax confirmed that these disputed items were removed from my report. 
- However, banks and other financial institutions continue to see these items when they pull my credit report. 

XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : - Under the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of the information they provide ( 15 U.S. Code 1681e ( b ) ). 
- Despite disputes and confirmations of removal, Equifax has failed to ensure that the corrected information is reflected across all reporting platforms, violating their obligations under the FCRA. 
- Case Reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) This case emphasizes the importance of maintaining accurate information in consumer reports and the liability of credit reporting agencies for failing to comply. 

XXXX. Violation of the Fair Debt Collection Practices Act ( FDCPA ) : - Equifax 's failure to properly update and report the accurate status of disputed items may also constitute a violation of the FDCPA, which prohibits the use of false or misleading representations ( 15 U.S. Code 1692e ). 
- Case Reference : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) This case clarifies the application of the FDCPA to misleading representations in debt collection practices, applicable to the inaccuracies reported by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID Theft since XXXX I have been victimized several ( 3 ) times throughout the years. My most recent was in XXXX for credit cards and banking transactions, XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX, Companies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Don't know of them or open accounts ) I have reported and contacted the Bureau by letters and made several attempts to request a further investigation on wrongfully reported, collections, credit cards and defaults on my credit report. I have asked to remove and to provide me with the proper documents to verify the activities of the accounts. I am not accountable for those accounts and need them remove and correct the reporting, also I have asked to remove all the Names on my report that is every single name in my credit report along with the 28 addresses that I have never live in. I have been at my current address for 15 years which is I have creditors, banks, collection agencies. I have done all my due diligence in taken action towards recovery my credit and ensuring that all agencies due there responsibility, and from the way things have gone, It has been the most horrible and stressful task that requires time, and patients and I mean from contacting the FTC, State police, to DMV changing my ID #, to social security for wrong income reporting. Social Security says they can not do anything about it changing my number unless I'm a victim of domestic violence, that's insane! I have been dealing with ID theft for 19 years and it simply does not get any easier, this has caused me hardship, mental stress, and not be able to homeownership, As a consumer and a citizen there has to be more measures for actions and for the reporting companies to make sure when information negative information or any to also have an attached file in ID the individuals that are responsible for opening the accounts, because when the consumer is aware and takes necessary measures to correct the fraud. Reporting agencies make it so hard for us to remove the wrong full actions when if they had a better system I wouldn't have to be going through this fraud. I am so tired off it all and I need help!!!!!!!
Product: Credit reporting or other personal consumer reports

I do not have any current loans with Department XXXX Education/XXXX  XXXX The balance is XXXX. It keeps showing that I owe {$130000.00} on XXXX and Experian. Disputed with them many times but they have not removed XXXX from my credit reports. I even called XXXX using XXXX to verify that I do not have any balance or current student loans with XXXX. The representative sent me a letter to verify that the balance is XXXX.
Product: Checking or savings account

A fee of {$35.00} plus {$2.00} taxes labeled " financial/insurance '' but when I spoke with a " banker '' at Wells Fargo I was told that I would be refunded this amount when it was discovered that I " qualified '' for free checking. It's fraud!