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

To Whom It May Concern : I AM NOT REQUESTING VALIDATION FROM THE FURNISHER OF THIS INFORMATION. I AM THE ONLY PERSON WHO CAN VALIDATE ANYTHING ON MY CONSUMER REPORT AND CONGRESS STATES MY CREDIT REPORT SHOULD BE EQUITABLE TO ME. After reviewing a copy of my consumer report I noticed late payments posted on my consumer report XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 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. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with correction of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting an account inaccurately to the Consumer Reporting Agencies.
Product: Checking or savings account

XX/XX/2016 The Midwest Bank had made several unapproved withdrawals from my bank account # XXXX XXXX ex XXXX, XX/XX/2016 and transferred it to the Department of Education for a student loan on XX/XX/2016 thru XX/XX/2016, @ {$78.00} per month totaled @ {$390.00} without my approval ;
Product: Mortgage

I had a XXXX loan and it has been passed through hands many times. At this point BSI Financial Services has my paper. There is an agent that has been recently assigned to my case and he sent out an independent contractor to put a padlock on my front door without any due process. I have a tenant in the home and he can not get inside. BSI financial services whom I have been in discussions will not return my calls and I have not been served any documents to substantiate their actions. I was in negotiations with BSI to arrange a cash for keys or a possible restructuring of my loan and they will not return my calls.
Product: Credit reporting or other personal consumer reports

I RECNTLY REVIEWED MY CREDIT REPORT AND NOTICED I HAVE SOME FRAUDULENTS ACCOUNTS. PLEASE REMOVE THESE FRAUDULENTS ACCOUNTS.
Product: Credit reporting, credit repair services, 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 with my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover reported a business account late on my personal credit. I was not aware that any amount of money was owed on this Business credit card. My company is a non profit and My business office closed due to the pandemic! So I never saw any mail regarding this card. I take pride in my credit and have NEVER paid any account late. This particular card was not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I later received notification from Discover by email to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a manager regarding the 30 day late payment. The account closure email is what alerted me. Discover never emailed regarding late or missed payments.
Product: Vehicle loan or lease

I have an issue with the Audi Financial Services. At the end of my lease program, I decided to buy out my vehicle. Maturity date for my lease was XX/XX/XXXX. I overnighted them a certified check in the full residual amount of {$32000.00}. They have received my check on XX/XX/XXXX. Since then, they keep sending me letters that I have never paid off or returned my vehicle and that I will be billed accordingly. I called them on XX/XX/XXXX, spoke with XXXX extension XXXX and was assured they have received my check and it will be applied to my account and I should receive my title shortly. Today, XX/XX/XXXX, I have received another letter in the mail stating that I havent purchased or returned my vehicle yet. I looked up my account online and there is a total due {$620.00}. I keep calling them, they tell me everything will be applied and processed but nothing is being done. They will ruin my credit score. The phone number I am calling them is XXXX.
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 t 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: Credit reporting or other personal consumer reports

I was shocked this morning to find inaccurate accounts on my credit report, and I have no clue why theyre there. I checked my credit report like I always do, but this time, discrepancies appeared out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the inaccurate accounts were still there. Because of this, Im requesting that the documents Ive sent be reviewed thoroughly so I can finally stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed below are fraudulent accounts and does not belong to me. They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX -JEFFERSON CAPITAL SYSTEM # XXXX XXXX XXXX  XXXX  # XXXX
Product: Debt collection

These people have never sent me anything in the mail telling me they are suing me or anything else for that matter. As you know I am a victim of the XXXX XXXX XXXX and my Identity was stolen and accounts were created in my name and other cards I had paid off and closed out I found in XX/XX/23 were delinquent and I had judgements against me. There are ongoing criminal investigations and I question the legality and for sure the ethics of anyone who would sue a victim of a heinous crime like identity theft. These scoundrels are attempting to get a summary judgement on me and I have not even met any of them in court. Last I checked I had the right to face my accuser and due process. This is not my debt and they have yet to even provide me a complete account number.
Product: Money transfer, virtual currency, or money service

XXXX. Lost my information in a data breach and were very uncooperative, denying that they had a data breach after sending them the experian files that notified me. 
-This led to identity theft, causing all of my accounts to be taken over, maxed, closed down, credit history destroyed, my house being listed currently, marriage over, don't have a car any more and cant get financing, all because of gemini and XXXX  XXXX. 

XXXX. Blamed it on me. After depositing {$250.00}, plus XXXX ethereum which never showed up, my account was frozen and has not been unfrozen ever since. They have dodged the issue, and have attempted to tell me that a payment was reversed. They don't accept payments, I would never send a payment to them for anything, and my chase account shows the exact amount that I am saying they stole as being sent to them. 

XXXX. Block me from being able to access it by giving horrible customer service, and making me repeat a XXXX week cycle of verifying myself with pictures, telling them why i'm contacting them, being condescending towards me, until I report them to you, the police, the FBI, SEC, my consumer attorneys in this case, and I think just hope I'll go away. Once i've answered all of their verification questions, someone else takes the email chain with the pictures and all of the things they've asked for XXXX weeks in order to unfreeze my account, where supposedly my XXXX and {$250.00} USD are stored, and acts like it is the first time I've emailed in and says that they are sorry but they can't talk to me unless I verify myself. Constant loop of that which has gone on since 2021. 

XXXX. They've not paid what they owe from their class action settlement. They've gone as far as denying ever being involved with a class action lawsuit, as well as an SEC lawsuit for being an unlicensed securities vendor. They call themselves a " licensed trust company '' like I care at all about their justifications. 

Theft, fraud, racketeering, deception, lible, slander, defamation, identity theft, perjury.
Product: Debt collection

On XX/XX/XXXX I made 3 purchases at Ann Taylor/Comenity Bank, XXXX XXXX XXXX in New York. The total was for XXXX and they were offering a promotional deal if you opened up a Mastercard which I did. In XXXX some time I received an angry call from a woman who left no details but talked about having my attorney contact her. I called her to see what this was about and she wanted my personal information stating that she could not release details without my personal information. I thought it was a scam so I did nothing. I kept getting more calls so decided to investigate further having no idea what this was. I finally got to XXXX XXXX ( XXXX ext. XXXX ) on XX/XX/XXXX who explained that I had not paid my bill for my purchases in XXXX. I apologized to him and informed him that we were transitioning to a new home in a rural area and were having significant difficulty getting our mail delivered/forwarded. We had to involve the XXXX XXXX XXXX as well as the local police for stolen medication from our mail box. I told him I wanted to settle this immediately so he stated that I needed to send a check for XXXX to clear the balance. He stated that in view of my wanting to make good on this debt and given the circumstances with postal issues he could wave some of the late fees. A check ( # XXXX ) was sent to them immediately and cashed on XX/XX/XXXX. The following month I received another bill from them so again called XXXX XXXX on XX/XX/XXXX. He apologized and confirmed that I had sent payment and that it should clear the next billing cycle. Again this month I received a bill for XXXX due XXXX. They refuse to stop billing me and resolve this issue so am asking for your assistance. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

received a copy of my credit report and found the following item ( s ) to be in error, also the below are against to the law FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX were XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXXDEPT OF ED XXXX Balance : {$2400.00} ; XXXX/DEPT OF ED XXXX Balance : {$4000.00} ; XXXXDEPT OF ED XXXX Balance : {$9000.00}
Product: Credit reporting

I have disputed against XXXX XXXX and the dispute came back verified but the late payments dates between Equifax and XXXX is incorrect. I was understanding that if any information was incorrect that it should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Ombudsman letter submitted to Creditor, Experian and XXXX in last XXXX  days. Creditor did not take action to correct tradeline and remove misreprestation from my credit reports.
Product: Debt collection

I spoke with XXXX XXXX on XX/XX/XXXX and was offered a settlement amount of {$330.00} which would settle the account. I paid the {$330.00} on that day. A few weeks ago I received a letter from Midland Credit Management stating that there was a balance of {$240.00} being reported by XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX asking about this. I was initially told that there was no record of the account being settled nor no record of a payment made for {$330.00}. After me being persistant they finally stated that they did see the payment of {$330.00} made on XX/XX/XXXX but that they didn't see where it was noted that it was a settlement. The final rep that I spoke to on that day stated that although what I said made sense that the phone call would have to be pulled in order confirm what was discussed and in order for that to happen I would have to request in writing, to XXXX XXXX, that I would like this call reviewed in order to confirm what was said on that call. I mailed the correspondence that was requested. I was advised today that I would have to have a subpoena to have the called pulled in order to confirm what was told to me. I was also told that I would now have to contact Midland Funding to dispute this info. I am not asking for any phone records for myself. I am only asking that they do what they said they would do internally and pull the call internally to confirm that the account payment was in fact offered as a settlement. I am not asking for them to provide the record to me so I don't understand why a subpoena would be needed.
Product: Debt collection

Tower Loan the memories of this company is vague. However, I recall getting a loan from this company back in XXXX I believe. It was on behalf of merchandise that they financed. Well, I paid my bill and made payments on time. well, one day I received a phone call that the company had terminated a young lady that was employed with the company, but was stealing. She was taken payments from the customers but were n't actually posting the payments to the customer account. I informed the person that I was speaking with that my account was paid in full and that I did n't owe any debt. This is XXXX so since XXXX I do not currently have any receipts to back up anything that I am stating at this point. I do not neglect in paying any of my bills and I never have. This company is constanly pulling a hard inquiry on my credit report without my permission and calling me on my job making threat and calling my home upsetting my mother that is ill. If I owe this debt I would pay it, but I do not owe anything to this company. At XXXX point I made a payment or XXXX until I realizes I am making a payment on a debt that is no longer my debt. I asked for receipt, but was told I could not get XXXX until all payments was paid in full.
Product: Credit reporting or other personal consumer reports

There is incorrect information on my credit report the company says that its not but I have submitted proof that they are doing wrong, I did not state that it was removed the account was closed and on all bureaus it was closed but all of a sudden it is opened again and on the last payments it just states there is no info, on where it says closed it says no info, they are trying to prolong the account to stay on my credit for ever and for statues of limitations it is supposed to come off my credit XX/XX/2025 anyways but they say I have to pay and Its never coming out, their statements are false and now they re opened the account after it being closed it is also not legal, I submitted proof and all they could say is that it does not count what I submit, I already reported this company to the attorney general and here I would submit all the proof. On my XXXX report this account is closed and on my XXXX XXXXXXXX XXXX XXXX it is opened again. And they way Veros Credit LLC is responding is very unprofessional and unethical it is very easy just to say that what I have submitted is not right because it doesnt benifit them
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out account in credit report which does not below to me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX Account # XXXX Date Opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I went to the local XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX where I sent {$200.00} dollars to a friend in XXXX XXXX Name : XXXX XXXX XXXX CODE : XXXX COUNTRY : XXXX XXXX went to the bank in XXXX to receive the money and was told the money was on hold then gave this Error message saying transaction can not be be received at this time have customer contact MoneyGram XXXX ( XXXX XXXX XXXX XXXX Still haven't received the money constantly being told the thing that the money was received but not by whom the money was received.
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to  the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Student loan

On XX/XX/XXXX I lodged a complaint with cfpb about my forced XXXX XXXX loans through navient. In response navient sent me the misconduct application form as I qualified for it. I submitted it with evidence including my letter as a class member of the XXXX XXXX XXXXXXXX lawsuit, lawsuits against the schools both federal and state as well as proof of false graduation rates and employment snd salaries. On the evening of XX/XX/XXXX I recieved emails from navient confirming my application was approve for private loan dismissal. Since I graduated in XXXX I had been forced to make payments on these loans. Even though my evidence proved I was forced to take these loans out and they were forgiven I was denied restitution. This is unacceptable. Navient has put aside millions of dollars to settle private loan forgiveness. There is zero reason for them to deny restitution on school misconduct findings that they themselves approved. 

I am attaching my misconduct decision on the loans and payment history on the forgiven loans showing all the payments I have made since graduating in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report reflected a hard inquiry for XXXX XXXX XXXXXXXX credit card done XX/XX/22. I did report to Experian and they are adding a fraud flag and advised me to create a report here. 

Additionally my XXXX online account was hacked where someone ordered auto shipment of dog treats ( I only have cats ). They have refunded me and de-activated the account while they investigate the fraud. 

I am not sure if both are related but I find it quite coincidental that both happened today. 

XXXX XXXX
Product: Mortgage

I AM SEEKING A LOAN MODIFICATION. I HAVE FAXED FROM MY BRANCH OF THE BANK SEVERAL TIMES INFORMATION THEY HAVE REQUESTED. THE FAXED MATERIAL GOES THROUGH THE PROCESS AND IS ACCEPTED WITH NO PROBLEMS. THE MODIFICATION PROCESS PERSON TELLS ME THAT THEY DID NOT RECEIVE SOME OF THE IMPORTANT INFORMATION THAT WAS FAXED. THIS HAS HAPPENED TO ME SEVERAL TIMES, AND I HAVE FAXED SOME INFORMATION
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX Balance {$0.00} 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

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item reinvestigated. The inaccuracies are injurious to my credit score.

In accordance with the Fair Credit Reporting Act, Public Law 91-506, VI, Section 61, Please provide the names and business addresses of each individual with whom you verified above do that I may follow up. Please send a copy of my updated credit report after your reinvestigation.

Not indicating when/if the account has been sold ( Misrepresentation of the account status ). 

Not reflecting a {$0.00} after transferred/sold/paid ( double jeopardy ) Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Phone Number : XXXX