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

I currently have several pieces of incorrect information reporting on my credit reports. I would like to have this information corrected and/or deleted so that it can stop negatively affecting my credit score. On my XXXX  report there shows a XXXX XXXX XXXX account which is reporting as a repossession, however, the car was never repossessed. It is also showing that after the alleged repossession the account was then paid on time for six months. However, my XXXX  report is reporting correctly in that it was paid and closed as of XX/XX/2014. This account should be removed from my XXXX  report for this inaccuracy and for the damage they have caused me over the last almost 7 years or even better to correct the account status to reflect paid as agreed and never late. My credit report also shows a collection account for XXXX XXXX. I never opened an account with this company and they have not provided me with any proof that I owe this debt. This account should be completely removed for being invalid. My report also shows an account with XXXX XXXX. I do not owe this account. I have requested documentation from XXXX to validate this debt and although they have sent me letters stating that they have received my request they too have not provided any evidence that I owe the debt. This account should be completely removed for being invalid. And finally XXXX  is reporting a debt from XXXX for {$19000.00}. This account is more than XXXX years old and should also be removed from my credit report for being past the statute of limitations. In addition, TransUnion and XXXX  are reporting inquiries that I never authorized and/or that do not have permissible purpose. I have attempted to contact the corresponding companies, however, they have not taken corrective action on my credit report. I am requesting the bureaus help in having this information removed from my credit report. Lastly, my reports show an address that is associated to a business address not my personal address and I would like to have all references of this address removed from my personal credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/year>, I called XXXX  XXXX  debt protection program and requested that the program cease charging my credit card, and I requested a refund of the monies paid to that program. I stated that I was unaware of the program and that I do not consent for it. I asked what criteria are used to refund a customer their money and I was told that I could not be given that information. However, a review of my account would be performed, and a decision would be made at a later date. I was informed that I would be notified of the decision by mail or email. I promised the representative that I would be filing a complaint because this a predatory practice and that I wanted my money back.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/year> I submitted XXXX or so disputes through CashApp for fraudulent transactions charged by XXXX. I included extensive documentation of my attempts to contact the merchant directly as well as my correspondence with the Wyoming State Attorney General ( where the business is registered ). These transactions were illegal as the company should not have been taking payments from customers within the state of Rhode Island. I had another similar company refund me for all purchases so I know the claim to be legitimate. The Attorny General also agreed and suggested disputing these purchases. CashApp has said the disputes are denied and their canned response says I can ask for documentation at any point. When I ask for documentation I am told the case is closed and no further information can be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I had {$76.00} past due with a XXXX XXXX XXXX card. The reason I was past due was because I did not receive any communication from XXXX XXXX that I was late. 
I sent a letter of goodwill in XX/XX/XXXX that I had not received notice of my late payment because I was living abroad, but in XX/XX/XXXX, XXXX XXXX denied my request to have the late payment removed from my credit reports. I believe I was denied by XXXX XXXX without consideration that I did n't have knowledge of a late payment.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service in unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, cash app failed to take kindly XXXX effective measures to prevent an address from under a 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: Vehicle loan or lease

Unfortunately, this past year I have been going through a lot of medical hardships. On XX/XX/2020 I had to have a medical XXXX, which has pretty much up to the day, gotten worse, when we thought the XXXX was going to fix the problems that I've been having. I had to have XXXX XXXX  XXXX on the XXXX of XXXX, and actually after my procedure I've dealt with more problems in my XXXX   and XXXX XXXX XXXX  and not allowing me to work and have continued medical visits and problems. Therefore I haven't been able to satisfy paying my bill. While I do appreciate Flagship working with me as much as they have, the account as of XX/XX/2020 has reached the point of were the communication between Flagship and I have gone sour and the threat of repossession of the vehicle. Unfortunately I found out on XX/XX/2020 that I have now the diagnosis of XXXX XXXX and now have to see an XXXX  XXXX  to discuss further treatment and options. 

While I understand that Flagship does want payment, I feel forced to give them a date, to try and make a payment, when I can't work, because I fear the constant of them talking about repossession of the vehicle. 

I've even had a couple of their representatives state that and in addition I've had one representative state I've been driving thr vehicle for free to my medical appointments.

I called Flagship as soon as I found out my new diagnosis and told them. I would love to be able to work something out, however due to medical problems and being out of work payment isn't an option on the  account, due to the continued nature of my medical problems. I've even offered to fax over paperwork showing my medical problems and they've said that isn't necessary. 

The last conversation I had today XX/XX/2020 with Flagship was without payment it comes down to them getting ready to repossess the vehicle because the account is behind by four months. I unfortunately can't make payment as I've stated to them due to my inability to work.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and submit a complaint to COMENITY BANK/JARED regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable account. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, COMENITY BANK/JARED will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Debt collection

New collection on my credit XX/XX/2017 for {$530.00}. I am disputing this collection. Never heard from them before, I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 received a call on XX/XX/XXXX at XXXX XXXX from XXXX at Preferred Credit trying to collect on a XXXX that I had paid off in XX/XX/XXXX. I confirmed with them that I had made the payoff payment of {$2000.00} on XX/XX/XXXX but they insisted that though they showed I had made the payment it was showing on their system that it was unpaid. They threatened to have this debt negatively reflect on my credit report even though I informed them it was an error. They checked with the manager and said that someone ran it for an incorrect date, and that my balance should be XXXX out in 7 business days. They gave me a call back number XXXX. I do not want this to be reported as an unpaid debt and adversely affect my credit report since the debt has been paid in full. I'm not sure why they would be calling so late to collect on a debt that has been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had the chance to go over my payment history letter sent from The Department of EducationXXXX on XX/XX/XXXX, and it doesnt show a history of late payments on record. My sole purpose in requesting my payment history on my student loans is because I have 9 late payments on my credit reports from XXXX. All late payments listed on my credit reports are dated as follows : 90 Days Late in XXXX XXXX  90 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XX/XX/XXXX Between XX/XX/XXXX, to XX/XX/XXXX, my student loans were in FORBEARANCE, so I am not understanding why I have late payments shown in XX/XX/XXXX through XX/XX/XXXX on all three of my credit reports. The screenshot attached to this complaint shows that my loans were in FORBEARANCE between XX/XX/XXXX through XX/XX/XXXX. THERE SHOULD NOT BE LATE PAYMENTS LISTED ON MY CREDIT REPORTS DURING THIS TIME PERIOD, THIS IS INACCURATE AND IT NEEDS TO BE UPDATED TO POSITIVE PAYMENTS OR DELETED IMMEDIATELY. 

My credit report also shows 90 days late in XX/XX/XXXX ; however, my loans were in FORBEARANCE from XX/XX/XXXX, through XX/XX/XXXX, as shown in the attachments to this complaint. 

If you are not familiar with the term FORBEARANCE it is an option to delay student loan payments in case you are temporarily unable to make your monthly payments. While in FORBEARANCE, your loans will continue to accrue interest. That interest capitalizes or gets added to your balance when your loans switch out of forbearance and back into your payment plan. 

Attached to this complaint is an XXXX screenshot of the late payments from The Department of EducationXXXX 
This is unacceptable. I have been suffering from this negative payment history for years and each and every time I disputed these negative payments I am told by XXXX, XXXX Equifax, and XXXX that the information is correct, therefore my rights as a litigious consumer have been violated. 

Since I had to do my own investigation and clearly proved that I DO NOT HAVE LATE PAYMENTS, I respectfully ask that ALL LATE PAYMENTS FROM THE DEPARTMENT OF EDUCATIONXXXX EITHER BE UPDATE TO POSITIVE PAYMENT HISTORY OR BE REMOVED FROM ALL 3 ( THREE ) CREDIT BUREAUS IMMEDIATELY. 

I have attached the full payment history email sent to me from THE DEPARTMENT OF EDUCATIONXXXX  within this complaint so you can see for yourself that I NEVER had a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXXXXXXXXXX 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 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: Credit reporting or other personal consumer reports

Hey i looked up my credit report and find fraudulent account on XX/XX/XXXX and sent letter them on XX/XX/XXXX to reinvestigate these account XXXX XXXX XXXXXXXX open date XX/XX/XXXX account number ( XXXX ) XX/XX/XXXX they sent me letter thet their investigation was completed and the account is accurate and complete I looked my report but everything still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modiy that tem or inortation, as appropriate, based on the results or the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
and according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

I see they really did not reinvestigation they said they did something they did not do and I have evidence to prove my case Account name XXXXXXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit report associated with errors, and it seems that the accounts & inquiries are also fraudulent. I am a victim of identity theft and I have been identified for someone else with the same exact name as mine. XXXX XXXX is associated with several people in my state. These accounts we 're once removed and has been place back on my credit report. It is definitely an error on the credit bureau part. This is all the information I can provide at this time. My lawyer will be contacting you in a few days to resolve this matter with my name being misused, placed aside fraudulent error accounts and inquiries. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

There are multiple violations of the FACT, FDCPA, and NFDCS. Has not validated despite multiple requests other than stating that Defendant owes the debt. Refuses to provide any information on account or any type of indication that Defendant opened the account or show any evidence that the account is his. Did not notify Defendant of their right to dispute lawsuit. Did not give a " 30 day '' notice to dispute. Harassment and abuse of constant phone call and mailings despite request for validation and dispute of debt. Threatening that not settling the debt can result in " tax consequences '' and threatening to take money they are not entitled to take. Misleading and false representations ; legal documents are sent in plain envelopes or boxes written in sharpie marker. Legal docs have no dates, no dept # and are not stamped " FILED '' or have clerk names or any identifying stamp on them from the court. This makes docs look " less important '' and " fake ''. Also sending collection notices on legal type paper that resembles a legal document. Envelopes also do not indicate the law firm or from a lawyer. This is an attempt to deceive the Defendant into thinking they are not legal documents and thus, not respond to win a quick judgment. Initial court summons was not served properly. It was left with a child of XXXX years of age at the residence. When the door was answered, the server threw the papers in the door onto the floor and walked off without saying anything. Further demands and threatening behavior. 
This law office is known for these tactics and has multiple offense and rulings against them. They are a collection agency, but pretend they are not. 
Please see case # XXXX in ( Nevada ) XXXX Justice Court.
Product: Checking or savings account

Yes, I think they're looping my account through another account. It's stealing my money. My social security check shows up. But my extra pay from them doesn't show and they won't let me change banks. The actual social security office. I don't have the paperwork when I signed app for the account. I'm trying to figure out what to do I think they're stealing my money
Product: Vehicle loan or lease

During XXXX of 2017, my wife scheduled but failed to hit submit on our auto payment with XXXX XXXX XXXX XXXX Payment was due on XX/XX/17. On or about XX/XX/17, I discovered this oversight and immediately logged on to XXXX 's website and scheduled a payment for the full amount plus late fee. The payment was not posted until XXXX making the XXXX payment 31 days late. I have full records showing all transactions and can show never missing a payment with them and in fact have since closed the account. I have seen on their website where they state that they will show a payment on the day that it is scheduled not on the date that it is posted. Had they shown this date as XX/XX/17 this payment would have been 28 days late instead of 31 days late. 

I am disputing them showing a late payment on my credit report since this payment by their definition XXXX scheduling date vs. posting date ) is not 30 days late. I have full documentation except for the statement from their website. I am unable to show this at this time since the account has been closed. I have disputed this with them on XXXX separate occasions with no results other than " they are required by law '' to report this late payment. 

Your help would be greatly appreciated. 

Thanks.
Product: Vehicle loan or lease

I paid for a repossession fee back in XX/XX/2018. The amount was {$750.00}. 

Immediately after, I was billed for a 2nd repossession fee in the same amount of {$750.00}. This has been on my credit report for 18 months now. 

I have reached out multiple times to the company to resolve the issue. They have already admitted fault, but still refuse to remove the additional fee. They tell me to call another department who was unable to remove it from my account. The latest communication was XX/XX/XXXX where they said they would adjust {$700.00} off my account, which means they are keeping an extra {$48.00} for no reason. 

I am unable to trade in the car or pay off the loan without paying that {$750.00} fee. I am stuck with the car, which I have been planning on trading in for months. I have filed multiple complaints with their customer service department since last XX/XX/XXXX, and nothing has been done. My credit is being affected as well as the freedom to do what I want with the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting removal of the XXXX XXXX XXXX account because the negative listing is inaccurate and has not been verified. I sent the letter on XXXX/XXXX/XXXX and it was sent via the Online Consumer Portal. I received a confirmation notice via email that XXXX XXXX XXXX XXXX received the letter on XXXX/XXXX/XXXX. It is now XXXX XXXX, XXXX and I have not received a response. 

As there has been no communication from Early Warning, I can only conclude that they do not have the information available to prove the negative listing from XXXX XXXX XXXX. Because the negative listing remains in my file, I must also conclude that they are reporting this information in error. Early Warnings failure to respond to my request in a timely manner is a violation of the FCRA, as is the continued listing of inaccurate and unverifiable information in my file. 

Per the FCRA Section 611 ( a ), Early Warning must now delete the unverified listing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has potentially been compromised due to the recent Equifax security breach. I was not informed of this breach by Equifax, and was only able to know of it due to online sources.