23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Greetings Again This Company is reporting FRAUDULENT Inaccurate information on my Credit Report. I have REQUESTED that, They PROVIDE the PURCHASE AGREEMENT to Show Full Ownership of this so called Account, and also Other documents. They FAILED TO SEND THEM.

So I may REVIEW like the FCRA laws and policies state. I need to SEE if this is Actually an Account that Belongs to me.
Product: Debt collection

There are  XXXX  different cases that I am reporting on but involving the same company. The first case is regarding a charge that I received from  XXXX  stating that they did not feel as though a  XXXX    XXXX   was necessary so they would not cover the expense. The test was required by my doctor so I filed an appeal for  2 di fferent bills that they ended up sending me to the collection agency for. I told the collection agency that I had filed an appeal but I still received the notice that you will find attached.       The second case is regarding my medical coverage from my previous employer. I was wrongfully terminated on   XX/XX/XXXX   which was when my medical coverage also ended. I had gone to  XXXX  to get my prescription thinking that I was covered until   XXXX   which is what is noted on both termination documents attached. I had called  XXXX  who confirmed that it ended on   XX/XX/XXXX   and there was nothing that they could do so I had to pay out of pocket and was also charged for a visit that occurred within that timeframe. I was also sent to collection services because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to the Bureau to remove this issue on my credit report since XX/XX/XXXX on several different occasions up until now XX/XX/XXXX. The debt was paid and taken care of. XXXX XXXX/ XXXX XXXX XXXX promised me that account will be removed and deleted from credit reporting in favor to me paying amount. The negative account is affecting my score and causing hardship on my journey to purchasing a new home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is in direct violation of multiple FCRA Laws while reporting/furnishing incorrect and inaccurate data to my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. a 5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s 2 A 1. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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

Repeatedly I have received phone calls from Portfolio Recovery. I answered one of the calls, and called independently, to tell them I have not debt, have a perfect credit rating, and they must be mistaken. They told me they will take me off the list of theirs. I still get the phone calls, once or twice a day. I have not owed anyone any money, have no debt and this is maddening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Debt collection

I never opened an account with this company. I have my ID theft affidavit from the FTC attached to this message
Product: Debt collection

Portfolio Recovery Associates are in the business of buying debt from companies and use their wrongful practices to hurt consumers. They have an account from XXXX XXXX, another crooked company that I awe them {$450.00} Portfolio Recovery has charged me {$2700.00} on this account for what? that is the wrong amount, their fees, attorneys fees, administrative fees. This is an outrageous amount of money that was not owe. As a consumer, I believe on working with them and satisfy the debt, but not with this type of abuse. I need to get the original amount owe to XXXX, without all those staggering fees, I ask kindly to the CFPB to look in to this matter, this is an abuse by these companies.
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 a account without my written permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately : Original Creditor : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I signed up with XXXX and was put on a payment plan through Monterey Financial. On the XX/XX/XXXX I called XXXX and asked if I could pay in full. They took the payment and told me to disregard communication from Monterey Financial. On the XX/XX/XXXX Monterey Financial called me. I explained to them that I paid in full and I need them to remove the late  payment that is now on my credit. They were abusive and rude and I asked if I could prove this. I emailed them my receipts and contacted XXXX. XXXX informed me they would take care of the mishap on the following Monday, XX/XX/XXXX. Monterey Financial called me on Monday, XX/XX/XXXX and said i need to email the receipts again. I informed them that I spoke with XXXX and they will be following up with them later that day, and any information they need they can get from XXXX. They were even more abusive and rude to me. I asked them not to call me ever again. They called again, later that day. XXXX informed me later that day that everything has been cleared up. I informed them I need the late payment taken off of my record and they said that should be fixed when Monterey Financial finishes processing. I received another call from Monterey Financial on Tuesday, XX/XX/XXXX. I am tired of being harassed for payments i don't owe. Please make them stop.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your bureau and company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 6 letter and dispute I have sent to the creditors along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this credit bureau and credit companies are violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 6th notice to the bureau and the creditor companies notifying them that these listed accounts are fraud. My information isnt protected and this credit bureau or creditors are not honoring my identity theft claim. My 7th notice of litigation will be a lawsuit suing this credit bureau and all these creditors, these companies and credit bureau did not honor my rights or acknowledge my supporting documents regarding identity theft. All these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from creditors, and assisting to furnish wrong and fraudulent accounts. I demand all accounts and inquiries be removed as soon as possible.

PLEASE REMOVE ALL FRAUDULENT UNAUTHORIZED ACCOUNTS OFF MY CREDIT REPORT. 
Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed.

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm.

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 I requested that XXXXXXXX XXXX cease and desist collections due to the fact that this account under nys law is past the statue of limitations which was XXXXyears and now that the new law have passed its XXXXyrs in XXXXXXXX im still recieving harassings calls in regards to this account instead of ceasing collection activative on my report they updated on the report as a late payment and this account is over the statue of limitation
Product: Credit reporting or other personal consumer reports

I have inquires on my report that I do not recognize and did not get my consent for this.. I would would like for all inquiries to be removed from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to make a complaint on SYNCB/WALMART with an address of XXXX. XXXX XXXX XXXX Florida XXXX and an alleged balance of {$0.00}. This account violates K.S.A. 60-512 ( 1 ) and FCRA Section 605 XXXX c ) Re-aging the account. They have already sold this account to a debt collector and are failing to report it accurately. This account needs deleted under title 15 u.s.c. 1681 ( i ) and they have violated the FCRA and FDCPA according to the following codes. Kansas only allows five years to report for a written contract and this account was closed on XX/XX/XXXX and this account should have been DELETED on XX/XX/XXXX. 
1. FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by reporting negative information and this is a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX XXXX, NO. XXXX, XXXX XXXX. XXXX XXXX. 
Please investigate Syncb/wal-mart why they are reporting negative information with a balance after fiver years which is inaccurate and unverifiable information and needs to be deleted under title 15 u.s.c. 1681 ( i ). There are also now monetary damages issues concerning the negative reporting and the violations and fines of the FCRA and FDCPA which total {$1000.00} plus the extent of damages incurred by the wronged party as deemed by the courts for number 2.
Product: Debt collection

A collections from AFNI, Inc. showed up on my XXXX credit report this morning dropping my score XXXX points. I am currently in the process of buying a house and this will cause delays as well as other issues. I called AFNI and they could not tell me what this debt was for other than I had paid off a collections to them in 2013. I was then told a supervisor would be in contact with me shortly to address this issue. No contact as of yet ... .. I feel as though I may need an attorney as this seems to be a reoccurring issue with this company..
Product: Payday loan, title loan, or personal loan

I had a lone from TitleMax which is paid off about a month ago and asking them to send me my title in the mail and they agreed its been another month l have not got my title back l tried to call them several days and telling me that it takes three weeks now I have been told for the third time another three weeks so Im helpless to get my title since then they are not answering my phone call or telling me what to do to get my title back. 
Please..l believe I can get help from you to solve this problem
Product: Student loan

I received a letter from the Department of Education on XXXX stating that the DOE is discharging my federal student loans from XXXX XXXX XXXX XXXXXXXX XXXX due to findings of school misconduct. I called Navient on XXXX and explained the findings and I told the rep my student loans should be discharged and refunded. I was then told by XXXX, the representative at Navient, that she would put a core code on my account and an application would be sent out. XXXX explained that this application would determine school misconduct and if I were eligible. While I didn't agree with the fact that I had to fill out an application to determine eligibility because based on the findings I am eligible, I agreed to receiving the application. XXXX confirmed my mailing address, then I had asked about the refund process and she said there may be information about a refund in the packet but she wasn't sure. 

On XXXX I called Navient to check the ETA of the application since I had not received anything in my mail yet. I was told by the representative, XXXX, that the code wasn't placed on my account and that the XXXX department would determine if I was eligible or not and if I were, then Navient would send the application out, which seems like another eligibility process. So essentially Navient is telling me that I need to be approved twice to get my loans discharged and refunded? I told XXXX that the woman I spoke with on XXXX, XXXX, told me she put the code on my account, so for the last week I was under the impression that it was already being sent out. I told him that I was eligible based on the findings and that these loans are predatory loans and said that Navient just needs to discharge my loans and give me a full refund. He then said that he would place the code on my account today and I said I'd check back in a few days on the XXXX. I don't trust that XXXX put the code on my account based on all my other experiences with Navient. 

These Navient private loans are predatory. The company ( back then known as Sallie Mae ) clearly had a relationship with the XXXX XXXX and contributed to/conducted unethical tactics, preying on vulnerable low income individuals such as myself.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I'm writing this with a heavy heart and a sense of frustration, having recently discovered multiple inaccuracies in my credit report. I carefully reviewed my report, a copy of which I recently obtained, and it was disturbing to discover that it was riddled with errors.

It's like reading a book about your life and discovering parts you don't remember living. It's unsettling and, to be honest, annoying to have your financial narrative misrepresented. It's like having a blemish on an otherwise flawless record that shouldn't be there.

The uneasiness I feel knowing there are erroneous facts on my credit report is difficult to put into words. It's not a pleasant sensation ; it's a little uncomfortable and, to be honest, more than a little frustrating. Every mistake, no matter how little, adds to the discomfort.

Although I am not a legal expert, I am aware that conflicts like mine are normally investigated and resolved within a fair time frame - approximately 30 days or so. As a result, I'm praying against hope that this will also be the case in my instance.

Finally, I'd want to convey my appreciation in expectation of your swift action on this situation. It is my honest desire that these inaccuracies, which appear on my financial record, will be addressed and repaired as soon as possible. I eagerly await your response at your earliest leisure. 

Thank you for your consideration and patience in this critical subject.
Product: Credit reporting, credit repair services, or other personal consumer reports

Caine & Weiner, amount {$300.00} This company removed this item off my credit report due to the fact that it didnt have the proper information to verify. Then put it back on my credit report, which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint about EQUIFAX. 

On the evening of X/X/2017, I found out that I was a victim in the recent Equifax credit bureau security breach. I have spent a long time getting my credit score, financial health and report to acceptable levels and now that am a victim of this breach, I worry constantly about my identity being stolen and all my hard work to be compromised. To be proactive, I have placed freezes on all my credit bureaus as well as placed a 90 day fraud alert on all my accounts. I believe Equifax should have notified me sooner of these issues, rather than try and cover their tails and I find it unfair that I have to go through all these measures due to their poor monitoring of their website. Their only remedy is to give 1 year of free credit monitoring, but the information that was stolen from their servers could affect me for life. Its not like I can change my SSN or DL number, or better yet my mothers maiden name. Now it feels like I will have to always be concerned about my identity being stolen, more so that ever now.
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 inconvenienc Sand financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have submitted multiple requests to remove the incorrect account reporting on my XXXX XXXX XXXX, the last attempt was under claim # XXXX in XXXX, I disputed this information more than 2 times. Bank of America has upheld the decision meaning they are allowing someone else to use my SSN which is clearly a violation of my rights. The person on that account : Bank of America Seems to have a similar name but that is not my name. 

I even tried to reach out to Bank of America and they also failed to do anything. I spoke with a representative from their fraud department named XXXX on XXXX. 

Please help me
Product: Checking or savings account

I have a Wells Fargo account that among other services, promises free notary service. I recently sold a property and had documents that needed to be notarized. One Wells Fargo branch told me over the phone they could not do it. Another made an appointment for me but when I arrived, told me they would not notarize a real estate document. Nowhere on their website or anywhere does do they specify inclusions from the promise of free notary service. Since the transaction was to close within 24 hours and it was late in the afternoon, I had to go to a XXXX store and pay {$190.00} to get my documents notarized. I felt this was outrageous conduct by Wells Fargo, particularly at a time I was depositing {$600000.00} into my account. I want the notary fee refunded by Wells Fargo. Thank you.
Product: Checking or savings account

I noticed a fraudelent {$9.00} charge on my checking last month. I reported it and Truist bank closed my debit card and said they would send me another card. They have never sent it and I went into one of the local locations two weeks ago and asked for a temporary and the banking person was so rude and claimed they don't do this any longer. I need my debit card. i have been with BBT for many years but Truist is just not ethical at all
Product: Debt collection

I contacted company XX/XX/20 and advised the debt was not mine. The car belonged to someone else that used my name.
Product: Money transfer, virtual currency, or money service

I don't know why PayPal stole my money PayPal - negative {$1400.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$1400.00} XX/XX/XXXX Transfer Paid with PayPal XXXX XXXX balance {$1400.00} Transaction ID XXXX Seller info PayPal Note {$1400.00} USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; Law Enforcement Seizure