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

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$2900.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance XXXX {$4600.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$860.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Debt collection

Problem description : When I logged on to Halsted Financial 's website today ( XX/XX/XXXX ) to follow up on an alleged {$140.00} medical debt from XX/XX/XXXX that I disputed, I was greeted with a screen that had holiday like photos and the slogan " Tis the season for savings '' - and on another screen I was told my account has been approved for 55 % off! And if I made a One time payment of {$64.00} I would receive a savings of {$78.00}. While I disputed the debt and the company had failed to provide the verification the debt was real, my time is more valuable than fighting them -- and I'm in the middle of a refinance of my home so I did not want to risk a dispute over a small amount that could jeapardize tens of thousands of dollars of savings over the life of my home loan. I elected to make the full " one time payment '' of {$64.00} to get their offered savings. But instead of receiving the promised " savings '' of {$78.00}, the company ( in response to an email requesting receipt showing XXXX balance ) emailed me a new bill saying i had indeed authorized a {$64.00} payment - but also listing that the " amount remaining '' on what they now called a " compromise offer '' was {$64.00}. They baited me with " savings '' to get a little money ( i problably should not have paid to begin with as they failed to verify the debt ) and then bait and switched me -- and demanded more money. This is false and deceptive advertising to promise {$78.00} in savings and then to not honor that. I documented the promised " savings '' in photos before i paid because I did not trust them ( and can provide ). I have the written bill they sent in an email, in response to my request for a XXXX  balance / debt release to substantiate everything I'm writing here. I'm sorry to say they have proven truly deceptive and i'm very worried they'll do something to harm my credit wrongfully. I also informed them prior in writing neither their firm Halsted Financial nor their client XXXX XXXX XXXX ( that they said in writing they were acting on behalf of ) had provided properly and as requested : 1 ) A detailed breakdown of what the charges are actually for 2 ) The original creditor account number ( only offering four numbers ). 3 ) The address of the original creditor. Having offered 55 % " savings '' and not honored the savings- I feel it is fraud. They also failed to provide notices to me the fair debt collection practices act appears to require, and have failed to so far provide the address of the original creditor or a statement from that original creditor describing what the bill is actually for. I therefore assume the debt is not valid at all and they are just doing all they can to use the threat of a collection agency to wrangle as much money as they can from me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a hard inquiry on my credit score without giving anyone permission to do so. I never applied for no new credit cards or loans etc. This hard inquiry came from lender Comenity Capital Bank, which is part of Bread Financial. Which is also XXXX XXXX  accounts that are issued by Comenity Captial Bank. I am disputing this because it was a mistake and I would like my credit score to reserve and for the hard inquiry to be taking off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX 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 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: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, In. ) 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 requirements under the Electronic Fund Transfer Act ( EFT ) and Regulation E. These actions have caused significant inconvenience and financial loss, an I seek appropriate redress for these violations.
Product: Debt collection

I did not consent to, benefit from, nor authorize any of the following accounts : Self Financial Inc - Account # 's : XXXX, XXXX, XXXX, XXXX - {$1400.00}
Product: Credit reporting or other personal consumer reports

I am reaching out with serious concern regarding inaccuracies on my credit report. I have repeatedly noticed accounts, transactions, and other items that do not belong to me, which has been extremely frustrating and distressing. This incorrect information is not only misleading but is also affecting my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

North Carolina State Employee 's Credit Union recently started reporting auto loan to XXXX. Disputed missing payment history with XXXX  and North Carolina State Employee 's credit union. North Carolina State Employee 's Credit union has submitted information to XXXX  to update and information has not yet been updated. Seeking assistance so my credit report reflect 's actual and accurate up to date payment history. Actual payment history is attached with my XXXX credit report as an example of what should be reporting to XXXX
Product: Debt collection

NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.Despite my three previous requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re- investigations, you stated that you " verified '' that these items are being " reported correctly ''? You still have not identified WHO in your COMPANY VERIFIED the accuracy of these accounts or HOW they verified them? I've yet to have received a SIGNED contract between me and the alleged company. As previously pointed out to you, Black Law Dictionary, 6th Edition, 1990, defines " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party '' .At this time your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this this they must have 1st hand knowledge of the alleged account ( s ) and all that has transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you can't properly " Verify '' the accuracy of any of the disputed accounts. Please be advised that Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section617 if the UNVERIFIED items listed below are not deleted within 10 days. A copy of this complaint along with the three others will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with the Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all the unverified accounts listed below immediately & provide me with a copy of updated and corrected credit report showing that these items have been deleted
Product: Credit card or prepaid card

I have a UnionPay Platinum card from ICBC which I got so that I could use it when I travel to XXXX. I havent been able to do all the trips I had planned due to covid. I still pay for the annual fee even though I dont use it much, since I want to keep it for when the pandemic is over. In XXXX my statement closed and the annual fee posted, with a due date of XX/XX/XXXX. I have electronic statements but completely missed it. I received a text message that I was late in XX/XX/XXXX I believe, and I immediately logged in and sent payments to cover the annual fee plus a late fee. Thats ok since it was my own fault. 

My issue is that Ive been trying to confirm with the bank that no negative information will be reported to any credit bureaus since the late payment was less than 30 days, and so far nobody understands my question. If somebody can look into it and actually understand my concern that would be great.
Product: Credit card or prepaid card

Hi, my name is XXXX XXXX. I have a capital one platinum card with this company and been with capital one for a year. I had filed XXXX disputes XXXX dated back in XXXX. I was given a credit for {$75.00} I stated the service was not done properly. The acrylic nails were falling off a week later. That dispute was reversed on XX/XX/XXXX. I also seen a charge for {$82.00} that I didn't authorize. Because I specifically told the company dish to not charge my card they stated they dont keep the card on file which they lied because i woke up to a email stating a charge for {$82.00} was charged which that was a few weeks after. So A few days ago i was given a credit and then I get a email stating the charge will be reversed as of XX/XX/XXXX and now this has brought my credit over the limit. I have filed this complaint against capital one because no customer should be responsible for unauthorized charges, and XXXX for not good quality work done by a merchant involving the nail salon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX PARTIAL ACCT # XXXX this collection does not belong to me. I do not have a financial obligation with XXXX funding. 

I HAVE ASKED FOR VERIFICATION FROM THIS COMPANY AND THEY HAVE NOT SENT ME ANY VERIFICATION SHOWING TO ME THAT THIS I MINE. PLEASE HELP ME RESOLVE THIS AS IT IS HURTING MY CREDIT REPORT AND SCORES AND LASO IT DOES NOT BELONG TO ME EQUIFAX I INCORRECTLY REPORITING INFORMATION.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My privacy was breached by Transunion, XXXX, and XXXX. Under the exclusion section # B anything that was extended or authorized from a credit card should be excluded from my consumer report. A credit card was used to open the following accounts : DPT EDXXXX XXXX Transunion Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX Transunion Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX Transunion Account # XXXX, XXXX Account # XXXX XXXX Account XXXX XXXX, Transunion Account # XXXX, XXXX Account # XXXX! XXXX, XXXX Account XXXX XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Transunion Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX 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 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

There are  XXXX  very old  XXXX  accounts that are not supposed to be reporting on my credit. The  XXXX    XXXX   card account has an account number of "  XXXX ****** '' with an open date o f  XX/XX/XXXX . T he   XXXX     XXXX  card account has an account number of "  XXXX  '' with an open date o f   XX/XX/XXXX  .   Years ago, I ran into serious financial hardship and was not able to pay these accounts at the time. I communicated my situation to my creditors and  XXXX  was one of the companies who stated they would request a deletion to the bureaus of the   XXXX   charged off credit cards after I paid. It has been almost six years since I paid these accounts so I do n't understand why the credit bureau is only saying that  XXXX  is verifying the accounts. That is not even my dispute. I know these were previously my accounts. The credit bureau is not processing my dispute properly and this is one of the reasons this process has been delayed for so long. Just to be sure I 'm not being given the runaround, I called   XXXX   a couple of weeks ago and they told me they do n't even have the account in their records anymore! This is a problem because this credit bureau is refusing to honor my creditor 's deletion request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE BANK USA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE BANK USA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and CAPITAL ONE BANK USA with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this erroneous information for months now. Ive been told they there has been multiple investigations and accounts have been verified but all the information tied to these accounts are inaccurate, I've been patient up until this point because now these accounts are actually causing me damage.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and my personal data has been used and purchased through ChexSystems. I am requesting that a reinvestigation be conducted because I have submitted new documents that support my claim
Product: Credit reporting or other personal consumer reports

I thought I had resolved this issue with Upgrade Inc Credit Card XXXX, I had gotten legal assistance to resolve this issue, it was removed then reinserted on my credit reports which has been nightmare and I am trying to get employment, etc. I made the mistake of requesting monetary compensation from them and I told the attorney that represents them that I still want this RESOLVED and REMOVED from all reports. They continue to LIE about the being sold, it was before but the third XXXX XXXX XXXX XXXX released the account back to them and the attorney for Upgrade had me sign an agreement with them to remove the accounts FROM any and ALL credit reports along with any records.
Product: Credit reporting

My credit report shows that I owe XXXX XXXX and this particular debt collection agency is collecting the debt did not notify me of this debt and give me a chance to respond. I was successful in getting this deleted in XXXX out of the XXXX credit reporting agencies, but ca n't get Equifax to budge unless I pursue this further.
Product: Vehicle loan or lease

i paid this vehicle off and I've called and left message messages for XXXX and we paid this vehicle off in XXXX 2020 and it was a big issue prior to this and I just want my title please. 

on XX/XX/XXXX they signed for the title to have it signed because dmv stated they didn't sign it. They received it on XX/XX/XXXX and it just needed to get signed. I've called several times asking for the title and I'm told it's being worked on. 
How long does it take to sign a title and send it back.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX 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.
Product: Debt collection

I sent a certified letter via usps to Huntington National Bank on XX/XX/2023 requesting information about the amount owed, the auction of the vehicle and a written response with the requested information within 30 days. Huntington National Bank has not provided me with anything in writing and it has been beyond the 30 days, which is a consumer violation.
Product: Credit reporting or other personal consumer reports

Hi XXXX, I do not know what is going since my identity was stollen by those fraud people who open this fraud Capital One account without my knowledge. This fraud account balance changed from {$13.00} to {$1100.00} because of all the fraudulent activities. I am not responsible from this account and I shall get this fraud account delete from my credit report since someone else opened this account. I am aware that, as per ( 15 USC 1681 A and 15 USC 1666 B ), you are require to complete this reinvestigation or delete this fraud account within 30 days by law.
Product: Mortgage

I have been trying to do a loan modification on my mortgage and carrington mortgage services llc has not been helpful at all they deny me for missing paperwork and they already have it several times they asked for same document denied my application then told me the next time they have that same paperwork that they said they did not have.The most recent denial was for the reason of me not living in the house under fha guidlines even though they knew that there is water damage to property .There is an open insurance claim that there lost draft department is hounding me for the check yet there loan modification dept uses that against me this has been going on for at least 5 years now the reasons for there denial are unjust they use a little bit of the information they have access to against me and never the information that would clear any issues in my favor.They also change how they can communicate with me to there advantage all the time, one week they can email me the next they are not allowed to email me and the same person will tell you that they never were allowed to contact you through email because of company policy even though there is evidence of emails going back and forth for weeks, then all of a sudden you can email the rep again.They also put house on marshall foreclosure sale list without informing me and said that they did not have to inform me of a sale .They turned my last load modification down on a monday afternoon then tried a marshall sale the following morning.
Product: Student loan

My student loan was converted to FFEL with Aspire Serving, and several years ago I inquired about PSLF and was told the loan was not eligible because it was taken out in the XXXX ; I was not told that I could consolidate to make the loan eligible. I also called sometime within the last two years about refinancing to a lower rate and was told we dont refinance our federal loans. I have been paying this loan for 20 years. I originally borrowed {$20000.00} and my balance is now {$40000.00}. I have worked for 20  years in public service, and if I had ever been given correct information when I asked, or better yet, had my servicer proactively provided information, my loan would have already been forgiven. I only learned this was an option today because I saw a news article on the CFPB report that was published.