23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian disregards without conscience disputes initiated by its consumers under FCRA. After submitting additional documentation regarding public records several employees specifically " XXXX '' and " XXXX '' under XXXX XXXX negligently handled my dispute. I sent documented proof in support of my claim over a month prior and XXXX specifically stated the information is still located in the mailroom. Furthermore, Sup. XXXX allegedly went to retrieve said documents in a followup phone call only to dismiss the relevance by a reckless " Experian Policy ''. That is, ignore your claim and tell you anything whether you believe it or not. Well, I believe we need to have a sitdown at a proper venue.
Product: Debt collection

Scott & Associates P.C ( Mailing address XXXX XXXX XXXX XXXX TX XXXX. Phone # XXXX ) sent me a letter dated XXXX/2017 letting me know that the law firm was representing XXXX XXXX for a collection of debt in my name for {$3500.00}. The letter said in the second paragraph the the letter was not a threat but will be giving to giving to an attorney for legal action if I do n't call and make arrangements to pay the debt. I called the law firm and talked to a representative and explained to her ( person that I talked to was a lady ) that the debt was not mines and her advised was to pay the debt or there was going to be consequences. I wrote a letter to Scott & Associates requesting in writing a certification of the debt from the original grantor ( XXXX XXXX ). SSN  related to the account. Copies of all original signatures in all transactions transactions made with this credit card. Name in the account. Account number and Telephone # related to the account. At of today I have not received their response. I will sent another letter to them but this time with return received. I read the comment posted about this law firm and they basically that they are bulldogs and ther will go after you. I am very afraid that they they get my personal information, driver license #, and SSN. I  file a complain with TX motor vehicle office, SS administration not give my information to any one unless I authorized. 
Base on the information posted online about these people they would go after you with threatening letter, phone calls, frivolous lawsuits. I am very affraid that to loose my Job because of this. I got a copy of my credit reports and there is no changes. Please make these people cease and desist of frivolous action. 
Scott & associates file number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent transunion a letter asking them to conduct an investigation to verify that the information they are reporting on my reports is 100 % accurate, I received a letter dated XX/XX/XXXX stating that everything was verified accurate. 
On XX/XX/XXXX, I sent a follow up letter to transition pointing out exactly what they are reporting inaccurately on my report- they are reporting a collection account as an open account. I then received a letter dated XX/XX/XXXX with no update stating that the account was verified as accurate. 
On XX/XX/XXXX, I sent a follow up letter to transition pointing out exactly what they are reporting inaccurately on my report- they are reporting a collection account with a past due balance. However, they have not replied to my factual dispute and continue to report this inaccurate account on my report. 

This inaccuracy they continue to report on my reports has prevented me from obtaining credit and is causing me serious pain and suffering. 

I demand that they delete this account from my report immediately.
Product: Credit reporting

I used Transunion to receive a free credit report. At no point was there any indication that I would be charged and I obviously gave them my credit card information in good faith since they needed it for my credit report. I have not received any receipts, emails or further information but finally noticed a charge on my credit card. Apparently they have been billing me {$19.00} per month since 7 days after I got my report. There is no way to cancel the subscription online. They provided no services for that money. They gave me no receipts. Now that I have called, they have allegedly canceled my account. Still, I am out {$100.00} now. I have attached the receipts I just obtained off the website as well as the bottom of my Credit report ( the top is omitted ) which clearly states that I should be charged no more than {$8.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX : illinois collection inc, XXXX XXXX, and the XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 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

I called TD Auto Finance on XX/XX/20 and was offered 2  month extension not due again til XX/XX/20. They have never processed this after repeated phone calls and now received a collections letter?
Product: Mortgage

Caliber home loans sent me a preapproval letter to take out a new 30 year mortgage on my house at a HIGHER interest rate. Because the principal has been paid down, my monthly payment would be about {$70.00} less. They are advertising that I will see an annual SAVINGS of {$740.00} while my new APR is .1 % HIGHER than my current APR. obviously this is not a cheaper way to go, to effectively pay off a lower interest loan by taking out a new higher interest loan. The fact that they mislead customers by telling them they will save money should be illegal. Its outright dishonesty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call XXXX  to dispute my Department of Education loans but won't work. I have also went to dispute on XXXX  and Equifax and their online disputes don't work. These companies do not care about anyone or anything. The department of education doesn't care about anyone or anything. I have been trying to get these marks off my credit report for months and months. They send me replies from 6 different addresses and phone numbers so far so I have no way of getting in touch with anyone and these credit reporting agencies are no help. Please help department of education is the only negative thing on my whole report and I paid them off at the beginning of the pandemic to have it removed from my report. I am attaching 6 different replies to my disputes which they use 6 different phone numbers and addresses.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against cashapp ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection aid act ( cfpa ). specifically, cashapp 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 see appropriate redress for these violations
Product: Student loan

Navient XXXX This companies phone system is purposefully misleading, hangs up on students trying to make payments, and purposely does n't provide a way to get ahold of a representative. I think their practices are designed to mislead and postpone students trying to make payments in order for them to collect late fees. If they secured the right to service these loans then they are obligated to provide a CLEAR way for students to make payments and address issues. They should be penalized for their failure in this area just as ( I 'm sure ) they penalize XXXX students who are trying to pay their loans in good faith, but are unable to due to their policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX Balance {$690.00} XXXX XXXX XXXX XXXX Balance - Inquiries : XXXX XXXX I Inquiry Date XX/XX/XXXX XXXX XXXX I Inquired on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly lates on the XXXX XXXX account number XXXX. ( Please see page 4 of the attached credit report. ) These student loans were deferred and consolidated and therefore should not be reporting on my credit report. I have contacted the ( 3 ) bureaus to remove this item, however I was unsuccessful. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.
Product: Credit card or prepaid card

I applied for the Discover. 
I was approved for Discover. 
Discover card # XXXX. 
I tried to call and get it activated, and sent all the proper documents to Discover, but I have not been permitted to use the card. Please allow me ASAP.
Product: Vehicle loan or lease

I purchased a car in XXXX XXXX XXXX XXXX XXXX XXXX XXXX The loan, with Global Lending Services, matured in XX/XX/XXXX. I was notified prior to maturity that I would have a balloon payment of roughly {$5000.00}. I told them there was no way I could come up with the said figure. I was told that as long as I continued to make the monthly payments at the regular amount minimum of {$360.00}, I would be fine and the loan would " continue '' until paid off. Global Lending Services reported my loan 30 days late every single month, even with continued payments. The car was in an accident and declared a total loss by XXXX XXXX XXXX XXXX XXXX sent loss payee documents and a check made payable for {$3600.00} to Global Lending Services on XX/XX/XXXXXXXX XXXXXXXX shows the check was negotiated on XX/XX/XXXX. Global Lending Services is continuing to call, they have emailed me and told me that the process should take 70 days and that I am still responsible for making payments to the vehicle and that I will continue to, and have been reported late AGAIN. This feels predatory to me, not to mention, there has been no discussion of how my payments will be reimbursed or whether or not the car will continue to accrue interest when I have already signed over the car and it's been declared a total loss. They have already received and negotiated payment from the insurance company. The draft number of the check and the negotiation date have been provided to them. They just fail to post the amount to my loan which delays my ability to purchase a new vehicle.
Product: Credit reporting or other personal consumer reports

In Regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am writing to file a formal complaint against XXXX, collectively referred to as XXXX hereinafter, for major violations of consumer reporting laws as outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other relevant statutes. I have found numerous inaccuracies and unauthorized reporting on my consumer report, which have had a significant impact on my financial well-being. Upon reviewing my consumer report, I have identified several instances where XXXX has reported late payments, amounts, balances, dates, and other personal information without obtaining my explicit consent. These actions are in clear violation of 15 U.S.C. 1681c, which mandates that consumer reporting agencies must ensure the accuracy and relevance of the information they report. Furthermore, XXXX unauthorized disclosure of my personal information to third parties raises concerns under 15 U.S.C. 1681b, which requires that consumer reporting agencies obtain permissible purposes before disclosing consumer information to any third party. Moreover, my rights to privacy are protected under 15 U.S.C. 1681a ( q ), which acknowledges the significance of safeguarding consumer information and ensuring that it is used only for legitimate purposes. The unauthorized dissemination of my personal data by XXXX violates these privacy rights and undermines the principles of data protection enshrined in the law. Additionally, XXXX  reporting of my consumer account as late for reasons not justified by a delay in payment violates the provisions of 15 U.S.C. 1666b. This statute prohibits treating a consumer account as late on an open-end consumer credit plan without reasonable cause. The unauthorized designation of my account as late without valid reasons further compounds the violations committed by XXXX. I kindly request that the following actions be taken : 1. Immediate removal of all inaccurate and unauthorized items from my consumer report, as mandated by 15 U.S.C. 1681i. 2. Cease and desist selling or disclosing any debts, personal information, or other relevant data pertaining to me to any third parties, both in the present and future, in accordance with 15 U.S.C. 1681c. Furthermore, I am aware of the consumer law provisions regarding willful noncompliance ( 15 U.S.C. 1681n ) and civil liability for willful noncompliance ( 15 U.S.C. 1681o ). Given the egregious nature of the violations committed by XXXX, I am prepared to pursue legal action to seek damages for the harm inflicted upon me due to their deliberate noncompliance with consumer reporting laws. I appreciate your attention to this matter and kindly request a prompt investigation into my complaint. If necessary, I am prepared to provide additional documentation and information to support my case. Let this serve as notice to XXXX, XXXX, XXXX, and EQUIFAX that I am prepared to fully exercise my rights and will pursue damages to the full extent of the law. Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

A dispute letter dated XX/XX/year> was sent to the collection agency Caine & Weiner. The amount of {$430.00} is showing on my credit report.
Product: Student loan

XXXX Naviant called multiple members of my wifes family to harrass them about my loans. Gave out info about my debt
Product: Mortgage

PNC BANK HAS STOPPED SENDING ME STATEMENTS EFFECTIVE XX/XX/2018. I DID FILE BANKRUPTCY 7 YEARS AGO BUT NOT ON THEM. SPOKE TO SOMEONE FINALLY YESTERDAY THAT SAID THEY INSTALLED NEW SOFTWARE AND ANYONE IN BANKRUPTCY WILL NOT RECEIVE A STATEMENT. I TOLD THEM I NEVER FILED ON THEM. PNC SAID IT IS NOT LEGAL TO REQUEST PAYMENT ON A DEBIT ... ..ETC. I SAID BUT FOR 7 YEARS THE OLD SOFTWARE SENT ME STATEMENTS???? U TOOK MY MOMEY??? HE HAD NOTHING MORE TO SAY.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, in my case under reference # XXXX and # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent accounts which are being posted to my reports. Here is the list of items per bureau which do not belong to me or were opened without my permission : -- -- -- -- -- -- -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

US BK XXXX is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( US BK XXXX XXXX )
Product: Credit card or prepaid card

I lost my wallet on XX/XX/23. In my wallet I had my Prepaid debit card, Identification, and {$80.00} cash. When I arrived home later that evening. I realized my wallet was missing. I immediately called customer service to block and order a new card.I then became aware of 4 unauthorized charges had taken place while my card was lost. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I last used my card at a XXXX for {$5.00} earlier that same day. That may have been where I lost my card. I followed the customer service representative 's instructions and completed the form that was sent to my email. I did so in a timely fashion. I followed all instructions. I soon received my replacement card and a few days later a credit was put into my account. However, when I attempted to use my new card my card was blocked. I called customer service and was told " I was given provisional credit '' but my case was denied. ''????? what sense does that make? I keep calling and no one can give me a good reason why I can't have. access to my money. I followed the bank instructions by reporting my card lost within 12 hours of losing it. I filed a dispute promptly, and my case has still been denied. Will you please help me get my money back.
Product: Debt collection

Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any  further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Product: Debt collection

ON XX/XX/XXXX at approximately XXXX XXXX  a voice mail message was left on my cell phone voice mail. The caller stated her name was XXXX XXXX and that there was a " complaint notice to your attention ''. The caller did not identify where they were calling from and only left a number of XXXX. The message also stated that on a third " failed '' attempt, they were " required to direct further attempts to your HR or payroll department on file ''. 

I called the number listed above. When I inquired where I was calling, the male who first answered hung up on me. I called again a second time and I was placed on hold for approximately 5 minutes. I hung up and called again. Another female answered the phone and told me that they were just providing me information to schedule me for a " debtor 's examination ''. 

I asked the female to send me a copy of any singed contract that proved that I had any obligation for the debt that they were calling about. She told me that they did not send any type of documentation or contracts. She then said that they would provide the documentation in the " discover package once you go into judgement ''. 

I asked her for an address for me to send correspondence to them. She told me that all they could provide was an email address for me to send any correspondence to. The female also told me that they were not a collection agency but a litigation firm by the name of XXXX. I asked what XXXX stood for and she said " just XXXX ''. 

The female told me that alleged debt was open by me back in XXXX. She stated that the balance was {$6200.00} and it was through GE Capital.
Product: Credit reporting, credit repair services, or other personal consumer reports

Without written permission from me the following companies pull mine credit reports and place hard inquiries on my 3-reporting credit bureau accounts . 
US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - nonspecific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Debt collection

PRA is alleging I owe Them a debt. I have no agreement nor do I have a contract with my consent to have them share my personal consumer information. PRA is causing Injury to my persons and hindering me from my pursuit yo happiness. PRA is in violation of the FDCPA and XXXX. They are also in violation of chapter 41, title 15 of the u.s codes. I demand my protected rights be honored. This company is Infringing on my right to privacy and consent.