23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

SST states they purchased a loan ( s ) from XXXX XXXX XX/XX/year>. I requested paperwork showing the purchase and new loan documents with SST. I have responded to emails and text message from SST since XX/XX/year> requesting the paperwork for the loan ( s ). To date they have refused to send me anything except statements asking for money. They are stating " for my privacy they can not send send that info through email '' So I requested they mail it to me ( they have my address on the statements they send me ) but they won't even acknowledge that, they just repeat themselves saying for my protection they can't send the info through email. The website shows nothing under documents. They have reported me as late to the Credit Reporting Agency on loan ( s ) that they refuse to provide paperwork on. I even sent them a official letter stating it was the law for them to provide me with the paperwork. Their response was " for my privacy they can't send the info through email ''. So I give up. But this needs to be removed from my Credit Reporting since there is no proof that the loans exist. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update these items and correct the negative information you reported in my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Amerifinancial has two collection accounts one for XXXX and one for XXXX. At the time of service I had insurance and contacted them. When my insurance company XXXX  reached out they told them they only saw the XXXX when I disputed with the CB they come back accurate. The XXXX has been removed from my XXXX  but not my XXXX  .. it appears to not be reporting correctly at all. I'd like this information to match across all reports. Per HIPAA and them not being about to provide information anything from them should be removed
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience ond financial loss, and I seek appropriate redress for these actions.
Product: Student loan

I obtained several private student loans through National Collegiate and Trust between XXXX and XXXX to pay for expenses while I was going to college. Due to a death in the family and several financially difficult situations, I used the available deferment on my loans so they would not default. I graduated in late XXXX and, after moving to a new job in XXXX, was finally able to pay the full amounts due each month. I have paid my loans on time for since XX/XX/XXXX and am now more financially stable than my aging mother who is the co-signer on one of my loans. As this loan also affects my mother 's credit, I called the loan servicing company recently and requested to have my mother released as co-signer. I was told by AES ( the loan servicing company ) that because I used forbearance/deferment in the past, my mother is never eligible to be released as the co-signer. I was never told this would be a consequence when I was given the option of deferment and find National Collegiate and Trust 's policies to be unfair and unclear. Furthermore, they advised that my loans are not eligible for an interest rate reduction ( they are currently at 7.38 % and 8.0 % ), even with an auto-pay option. I can not refinance my loans because of my debt-to-income ratio, despite the fact that I have good credit and make {$61000.00} annually. My complaint is to dispute their unfair consumer practices. Deferment should not bar any future consideration of a co-signer release and if it does, this should be clearly disclosed to the consumer before they enter deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit account is showing 30-60 days delinquent which is not true. I had credit protection and have filed a claim with them on several occasion. Their incorrect reporting is both negligent and fraudulent. I am pursuing civil litigation on this matter.
Product: Consumer Loan

I had an auto loan with Wells Fargo that has always been paid in a timely manner. In XXXX of 2016, I traded in the car that was financed with Wells Fargo on a new vehicle. That transaction paid off the Wells Fargo loan. Nevertheless, since that time, Wells Fargo has reported to the credit bureaus that this account has been paid late. I have called Wells Fargo to correct my credit report to update the pay history on my credit report, but they have not done it. I have also disputed the delinquencies with XXXX, XXXX, and XXXX, but Wells Fargo is verifying the delinquencies. There is no way that I could have paid a loan late that has been closed since XXXX 2016.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Second Dispute of Inaccurate Late Payment Reporting for XXXX XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my credit report associated with the following account : Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$24000.00} Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Closed Account Description : Auto Loan Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed Payment Status : Current Last Payment : XX/XX/XXXX Discrepancy Details : The late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrect. According to my records and verified payment history, I made all payments on time during this period. These inaccuracies negatively impact my credit report and do not reflect my financial responsibility.

Evidence Provided : To support this dispute, I have attached the following documentation : Screenshots of payment records from my online account showing that payments were made on time for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Copies of my previous dispute correspondence, demonstrating that this issue has been raised before but has yet to be resolved.

Other relevant documents, such as account statements and communication with the creditor, confirming the accounts good standing during the disputed months.

Legal Reference : As per the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate information. Additionally, section 15 USC 1666 ( b ) outlines the requirement for accurate and timely reporting of payments.

Request for Investigation and Update : I kindly request that you : Investigate this account and update the payment history to reflect " Paid As Agreed Never Late '' for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Provide a detailed description of the investigation process, including procedures and evidence used to verify the accuracy of the reported late payments.

Timeline for Response : In accordance with the FCRA, I expect a written response to this dispute within 30 days. If verifiable proof of late payments can not be provided, I request that the inaccuracies be corrected immediately.

Thank you for your prompt attention to this matter. I look forward to receiving your response and resolution. Please contact me directly if additional documentation is required. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

EXPERIAN DOES NOT SEEM TO PARTICIPATE WITH XXXX I HAVE ATTEMPTED TO REQUEST MY CREDIT REPORT FROM ALL XXXX BURAUS. EXPERIAN IS THE ONLY ONE THAT GAVE ME " UNABLE TO GRANT YOUR REQUEST '' MESSAGE. SAME THING HAPPENED WITH MY FRIENDS. 
WE WERE NEVER ABLE TO PULL OUR EXPERIAN REPORT FROM XXXX ALSO, THEY HAVE BLOCKED THEIR PHONE LINES WITH NO AVAIL TO REACH A LIVE PERSON THIS HAS BEEN GOING ONE FOR 38 DAYS NOW AND HAVE BLOCKED ON LINE ACCESS TO MY OWN FILE THROUGH XXXX OR XXXX THIS HAPPENED BEFORE AND SEEMS TO BE THE STALL TACTICS USED BY EXPERIAN. UNFAIR TO ALL CONSUMERS AND NOT A RIGHT WAY TO CONDUCT BUSINESS ON THE NATIONAL LEVEL!!!
Product: Debt collection

The following accounts do not belong to me. I would like them removed and I want a 7 year fraud alert placed on my credit report. I have attached my etc report below. 
XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I received a XXXX from IRS that a third party ( company : BLOCK , INC F/K/A SQUARE INC ) reported that I received {$100000.00} that was not included when filing the XXXX Income Tax Return. I did not receive or transact that amount with this company. I believe that I am victim of Identity theft or fraudulent activity from this company. After researching, I found out that they own Cash app in which I have a personal account. Even then, I dont have that transaction and I only have {$20.00} on that account. I contacted Cash app and Block Inc many many times via phone and email but they are not helpful. On a phone conversation Cash app also verified that theres no information or transaction amounting to {$100000.00} found on my account. I had an appointment with IRS assistance center and reported this incident as well. Also filed a report to FTC and police report.
Product: Debt collection

Recently received repayment information on this loan through CFPB and after reviewing such information, I noticed a few things that do n't sit right. Understandably, the company will charge a fee to collect and there will be interest to pay. However, ECMC has added there fees to my balance more than once. Looking at the paperwork shows that ECMC has tried to add collection fees 9 times ( XX/XX/XXXX {$5200.00}, XX/XX/XXXX {$5300.00}, XX/XX/XXXX {$4300.00}, XX/XX/XXXX {$4400.00}, XX/XX/XXXX {$3300.00}, XX/XX/XXXX {$3400.00} and XX/XX/XXXX {$2300.00}, XX/XX/XXXX {$2200.00} and XX/XX/XXXX {$1100.00} ) and removed them 8 times ( XX/XX/XXXX {$5200.00}, XX/XX/XXXX {$5300.00}, XX/XX/XXXX {$4300.00}, XX/XX/XXXX {$4400.00}, XX/XX/XXXX {$3300.00}, XX/XX/XXXX {$3400.00}, XX/XX/XXXX {$2200.00} and XX/XX/XXXX {$1900.00} ) while collecting additional collection fees monthly. If a collection fee is added in XX/XX/XXXX it 's removed in XX/XX/XXXX, if it 's added in XX/XX/XXXX it 's removed in XX/XX/XXXX except for the last collection/reduction fees which were in XX/XX/XXXX. ECMC is collecting additional interest on the added fees while they are posted but not making the corrections to said fees. So my balance should be around {$3000.00} ( minus the added interest from added collection fees ) plus the correct interest without the added fees to my balance and lets not forget ECMC additional collection cost of {$1000.00}. So I 'm guessing my balance should be anywhere around {$4000.00} ( includes collection cost ) plus interest which would include the most recent payment of about {$190.00} in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

my account was reported incorrectly this vehicle was a piece of junk and never ran I lemon lawed it and they Tok forever to pay off the car when it was surrendered
Product: Credit card

Citibank reported information and accurate on my credit report, causing me a financial hardship after the investigation proven that I was a victim. They still verifying the debt as current after I notified them. They literally kept the debt validation with the credit rules and I sent letters that they sent me and the credit bill still reporting that Citibank is verifying the debt accurate. And after the statue of liberation, they passed the statue and they still trying to collect
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of an unauthorized credit inquiry that appeared on my credit report. I am disputing the reporting from XXXX XXXX XXXX, XXXX, XXXX and XXXX. Upon reviewing my credit history, I discovered the presence of a hard inquiries dated XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX that I did not authorize or initiate. I am also disputing unauthorized credit inquiries from XXXX XXXX XXXX dated XX/XX/XXXX and One Main Financial XXXX dated XX/XX/XXXX. 
Per 15 U.S Code 1681 ( b ) Permissible purposes of consumer reports, Except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. A consumer shall notify a consumer reporting agency through the notification system maintained by the agency under paragraph or by submitting to the agency a signed notice of election form issued by the agency. 
Upon receipt of notification of the election of a consumer under through the notification system maintained by the agency, a consumer reporting agency shall inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency and provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established at the time the consumer provides notification through the system.

The inclusion of this inquiry has raised significant concerns as it has adversely impacted my credit score and financial standing. I have attached supporting documentation, including copies of my credit report highlighting the unauthorized inquiry, as well as evidence of my non-engagement with the aforementioned creditor during the stated timeframe. 
Per the FCRA as a federally protected consumer, I am have opted out of all authorization that I, the consumer, may have given you. Per 15 U.S. Code 6802 all written, unwritten, verbal or non-verbal authorization has been opted out of effectively immediately and indefinitely. 
I have urged XXXX XXXXXXXX XXXX XXXX XXXX XXXX One Main Financial XXXX, XXXX, XXXX, and XXXX to conduct a thorough investigation into this matter and promptly remove the disputed inquiry from my credit report. Given the potential implications on my creditworthiness and financial well-being, I requested that this issue be addressed within 30 days to ensure the accuracy and fairness of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, as of XX/XX/XXXX the CRAs have not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine INQUIRIES XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} not mine XXXX XXXX {$110.00} not mine XXXX XXXX {$350.00} not mine
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please provide me with a copy of any contract I signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) I request the following information. 

XXXX. Proof that the original creditor securitized the debt. 

XXXX. Documentation showing that the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

This debt was charged off in XXXX and it then reappeared on my credit report in XXXX and XXXX. 

Please cease and desist from collecting on this debt until you have provided validation of debt. 
Additionally I request that you do not access my credit report or report anything to my credit bureaus. 

I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This was in my bankruptcy filled in XX/XX/year> and they keep putting this on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Started a car loan application in XXXX XXXX After one month decided not to proceed. In XXXX XXXX my credit was re-pulled twice with XXXX XXXX XXXX XXXX. I wrote XXXX XXXX in XXXX via certified letter to ask if they could please remove both inquiries as they were not authorized. I recieved a letter back from XXXX XXXX that both inquiries would be removed in 30 days. It is now XXXX XXXX and both inquiries remain on my credit report. I attempted to contact XXXX XXXX by phone on XXXX and left a voicemail, but have not heard back. I have tried to reach Equifax on multiple occasions and it is near impossible to speak to a person.
Product: Checking or savings account

I need to dispute 2 transactions made with my debit card ending in XXXX, I tried to reach the bank by phone but all the times the waiting time was crazy long, I dont have time to waste on that. And they dont provide any other options to report this charge back request. 

Transaction 1 : XXXX posted on XX/XX/2022, Is a XXXX  XXXX XXXX, I should received the item on XX/XX/2022, the seller never sent the item Transaction 2 : XXXX posted on XX/XX/2022, Is a XXXX XXXX XXXX  XXXX, I should received the item on XX/XX/2022, the seller never sent the item I tried to reach the merchant several times but they never answered.
Product: Credit card

I applied for a visa using a third part service. The visa company did not comply with its own rules as stated on its website and issued a visa that was not for the dates needed. I disputed charge but Chase credit card said the company said its website says there are no refunds. Assuming this is true, it should n't apply when it is the company that did not follow its OWN rules and I was not at fault in any way. As a result Chase declined the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX  # : XXXX, XXXX, Account Name XXXX XXXX XXXX XXXX # : XXXX, XXXX, Account Name : XXXX XXXX # : XXXX, XXXX, Account Name : XXXX XXXX XXXX : XXXX, Account Name : XXXX # : XXXX, Have 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. 

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 or other personal consumer reports

I am writing to formally dispute an inaccurate address appearing on my credit reports. Despite reaching out multiple times to the credit reporting agencies to have this corrected, the issue remains unresolved.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain and report accurate information. Additionally, under 15 U.S.C. 1681i ( a ), I am entitled to a proper reinvestigation when disputing any inaccuracies. My repeated attempts to address this matter have not resulted in a solution, which violates the FCRAs mandate to ensure maximum possible accuracy.

An incorrect address on my credit report can negatively impact my financial opportunities and raises concerns about the integrity of the information being reported. I am requesting that the Consumer Financial Protection Bureau intervene to ensure the credit reporting agencies comply with federal law and correct this inaccuracy promptly.

For your reference, I have attached supporting documentation, including copies of correspondence with the credit bureaus and identification verifying my correct address. 

Thank you for addressing this matter swiftly. Please contact me if additional information or documentation is needed.