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

On XX/XX/2017 I mailed a letter to Equifax stating that an inaccurate item being reported was being reported on my credit report by XXXX XXXX XXXX XXXX. The item shows a balance of {$57.00} and an account status of charge off. I enclosed a photocopy of the validation letter that I sent to XXXX XXXX XXXX XXXX at the address on my credit report ( XXXX XXXX, XXXX, MI XXXX ), it was returned to me by the post office.I demanded that they remove the inaccurate information immediately. i even provided them with a copy of my credit report showing the inaccurate item. I received the results of my investigation from Equifax stating that they the creditor has verified to them that the account is being reported accurately, and informed to me that if I was to have any additional questions to please contact : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX MI XXXX which I informed them I tried to do but I was unsuccessful in my attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have a collection from LUNV from a XXXXXXXX XXXX  credit card in the amount {$11000.00}, I did not make this purchase or authorize any person to charge this card. I have disputed, it was taken off of my XXXX account but it was denied by XXXX. This is effecting my credit very badly and I need to get it removed. I really hope you are able to help me do that in the fastest way possible. I thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the far credit reporting act XXXX  account 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, credit repair services, or other personal consumer reports

This complaint is in regards to the fraudulent reporting of LVNV FUNDING LLC on my credit reports. I have contacted this company several times and nothing has been done to remedy the situation. I have attached credit reports which reflect the inaccuracy of their reporting along with the dates and the amount they claimed is owed.
Product: Credit reporting or other personal consumer reports

I was denied an apartment because of my incorrect information on my credit report at equifax. I was not provided an adverse action notice from the rental office until my attorney made a call to find out why denied, I was just told I had committed fraud. I was not provided any time to correct the inaccuracies on my report. Equifaxs records have my ssn attached to someone else who is now deceased. Please let me know if you need additional information.
Product: Checking or savings account

My XXXX  contacted me about unusual activity with my debt card! There was withdrawals of XXXX dollars and XXXX dollars XX/XX/XXXX and XX/XX/XXXX more money taken XXXX dollars again and XXXX dollars again! Chime would not help me!
Product: Student loan

Years ago in XX/XX/XXXX or so, I was attending XXXX University online. Federal loans did not cover my expenses, so they convinced me to take out a private loan. They later told me I needed a cosigner and I asked my mother to co-sign, which she reluctantly did. The original loan was {$20000.00}. In XX/XX/XXXX, I was diagnosed with serious health issues and could no longer work. I went on XXXX in XX/XX/XXXX. My mother passed away in XX/XX/XXXX. I tried to reach an agreement with XXXX XXXX now Navient with absolutely no luck. Now in XX/XX/XXXX, they are sending threatening letters to my mother and I. I told them that my mother passed away, but that did n't seem to matter. Now they have sent this account to collection agency after collection agency. I think there have been at least XXXX this year. I had my federal loans discharged due to total and permanent XXXX in XX/XX/XXXX. Navient flags this account every month and continues to ruin my credit. They now claim the loan is almost {$79000.00}. This will never be able to be paid off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX : XXXX I am writing to request a detailed description of the verification method followed by your agency to verify this account as it doesn't belong to me. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX, credit reporting agencies must provide a detailed description used to verify reporting within XXXX  days. Please Delete this account completely from my profile ASAP. XXXX has already acknowledged the error and has updated my credit report with their bureau. I'm requesting that your bureau do the same thing and update my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Everything has to be 100 % accurate on my report. 
XXXX XXXX # XXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate the last date active is inaccurate and date last report is not accurate.this ground for remove they also violated my rights under 15 u.s.c 1681 section 602 a state I have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish accounts without my writing instructions
Product: Debt collection

CT has been sloe paying ou debt to other creditors and taking a large ut monthly for themselves. For over a year I have complained about the huge monthly pulls and how it was odd such a small portion was going to our debt. At last they were pulling {$850.00} out twice a month with about {$380.00} going to our last creditor. When I spoke with XXXX XXXX he noted we owed CT fee 's and they had a business to maintain and he had overhead as well and CT needed to be paid. We have asked to speak on this, We have had o block access to our bank account so they would stop pulling without persmission. With inflation and business overhead CT makes so that they get paid and dont want to stop. In XX/XX/XXXX XXXX XXXX told us it woudl take 15 months to pay the last creditor to ensure CT gets all it fees. We have spoken to the last creditor made a deal to pay them even less than what CT negoiated with them and they have accepted. XXXX called me XX/XX/XXXX at about XXXX yeling he had overhead adn bills and we ( CT ) is one of our bills that needs to be paid. He would not allow me to speak ot say anything hy he yelled so he was hung up on. We have asked for litigation or a meeting becaue not paying our debts and taking huge monthly fees and leaving the business stuggling is not okay and not one lien has been removed we have had to contact our Secetary of state and then contact each place to remove liens which was somehting CT was supposed to do.
Product: Credit card or prepaid card

I purchased a course from an individual name XXXX XXXX XXXX. He took my credit card information and gave it to some guy name XXXX that was at the 7 day course meet up. Then my card was charge by XXXX and XXXX to XXXX XXXX company.
Product: Vehicle loan or lease

I have told flagship credit acceptance on multiple occasions to not contact me after XXXX XXXX. If I go one day past the due date even though Ive been given a 10 day grace period. I get 7 to 10 calls a day every day until I pay in full. I had some hardships that have set me back and one lady in particular named XXXX I was trying to explain how I was jobless and was just in a car accident and was trying to get back right and she continued to bully me. Nonstop ask your friends for money ask coworkers ask family. Ask the other person on your loan. I had to hang up. They are now harassing me and have been. I can take pictures of my call logs and the amount of times they call me is absolutely ridiculous and outstanding. I want something to be done. I have warned and now I want to sue them for harassment. Honestly dont think the world would like to know how they do business with veterans as well as children of fallen soldiers. XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Finicial 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 Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconveniences and finicial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

The financial institution Bank Of America has repeatedly tried to charge " minimum interest fees '' om my credit accounts AFTER the balance has been paid IN FULL and is XXXX. Criminal greed which WILL NOT BE TOLERATED.
Product: Credit reporting

I submitted an investigation into an account listed on my Equifax report on XXXX/XXXX/2016 regarding a judgement that has been deleted off of my XXXX and XXXX reports already. I went to check the status of it and it had " completion date XXXX/XXXX/2016 '', with no results or contact from Equifax. I called Equifax today XXXX XXXX, 2016, and requested that the item be deleted and they refused. I would like your help in having this removed from my report. They exceeded the investigation time and never contact me with any results.
Product: Checking or savings account

I've attempted to open a checking account with Charles Schwab several times, but the account is closed soon after it's successfully opened for unclear reasons. Despite repeated requests, I've not received an explanation for these closures.
Product: Credit card or prepaid card

ON XX/XX/22 I GOT AN EMAIL STATING THAT MY CREDIT CARD WAS REPORTED LOST AND A CHANGE OF ADDRESS WAS MADE, NEW CREDIT CARD WAS SENT TO THIS NEW XXXX, MY INITIAL CREDIT LIMIT WAS OF {$3000.00} AND EVEN THOUGH I HAD CALLED THE COMPANY AND SAID THAT I DID NOT REQUEST ANY NEW CARDS AND THAT I HAD NOT CHANGED MY ADDRESS AND LOCKED SUCH CARD, THIS OTHER PERSON CALLED UNLOCKED MY CARD REQUESTED A CREDIT INCREASE TO {$7000.00}, REQUESTED A NEW CARD AND EVERYTHING WAS GIVEN TO THIS UNKNOWN PERSON WITH NO QUESTIONS ASKED, PURCAHSES WERE MADE IN CALIFORNIA AND OHIO, I HAVE NEVER BEEN TO EITHER STATE, NOW CARECREDIT IS RULING AGAINTS ME AND CHARGING ME {$11000.00} FOR THINGS I DID NOT PURCHASE, I HAVE ALL MY STATEMENTS, ALL CALL LOGS FOR THE MULTIPLE CALLES THAT WERE MADE TO THIS COMPANY, I HAVE ALREADY OPENED XXXX INVESTIAGTIONS AND THEY STILL RULE AGAINTS ME.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 at XXXX XXXX  I used the XXXX XXXX XXXX to purchase the cryptocurrency STORJ at a rate of {$94.00} for XXXX STORJ. My buy order has been " pending : :ever since meaning I have not received the STORJ nor have I had my money returned. Typically this process takes a few seconds, yet now it's been over a month. My money is essentially just being held hostaXXXX with no word from Binance.US There is no option to cancel and no way to push the order the order through. In the meantime, the price of XXXX has nearly doubled and I've missed several opportunities to turn a profit while my money has been stuck in limbo. 

In the meantime, XXXX has nearly doubled in value and I'm currently missing out on several opportunities because my money is trapped. 

I filed a support ticket through the platform 's web portal approximately XXXX hours after the issue began and was given the ticket number XXXX. I did not hear anything back from the company. I followed up again on XX/XX/XXXX but still nothing. The issue is ongoing.
Product: Credit reporting or other personal consumer reports

XXXX now reporting a known incorrect amount as collection on my equifax. This changed over night and is now put me in jeapordy of obtaining mortgage
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/year> Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Collection Account- Violation of the FCRA and FDCPA Dear Transunion, I am writing to dispute the accuracy of the following account listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 and the Fair Debt Collection Practices Act ( FDCPA_, 15 U.S.C 1692. I believe this account has been reported incorrectly and requests its immediate investigation and removal from my credit file. 

The accounts in dispute is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the FCRA, specifically 15 U.S.C. 1681i, I am requesting that you investigate and verify the accuracy of these accounts. Under this provision, if you are unable to verify the accuracy of the information within 30 days of receiving this letter, you are required to remove this collection account from my credit file. 

Additionally, according to the FDCPA, any debt reported by a collection agency must be reported with complete accuracy. If the collection agency is unable to substantiate the debts in question or if these accounts were reported in error, this constitutes a violation of 15 U.S.C. 1692e, which prohibits the use of any false, deceptive, or misleading representation in connection with the collection of a debt. 

I request that you forward all documentation used in your investigation to me for review. If you can not verify the accuracy of this debt, I demand the collection entry be deleted from my credit report immediately and that you provide written confirmation of the deletion, as per your obligations under 15 U.S.C. 1681i ( a ) ( 5 ).

Thank you for your time and prompt attention to this matter. I look forward to receiving an updated and accurate copy of my credit report following your investigation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit repair XXXX have sent in multiple documents to XXXX, XXXX, and Equifax as they continue to violate my FCRA rights in many ways over the past year! I've gone through CFPB and XXXX XXXX XXXX XXXX. They have refused to remove the fraudulent and inaccurate items off of my credit report. My only other option will be to contact the Attorney General 's office and the CEO of XXXX, XXXX and Equifax about their unethical practices at their companies. 

On XX/XX/2022, there was a CFPB complaint sent in : reference # XXXX This case was closed, with the fraudulent items STILL on my report! And here I am 1 year later, still fighting for my rights. This is my last time doing this and I will sue all XXXX companies. 

Everything that I have ever filed will be attached to this complaint for proof.
Product: Mortgage

I wrote to the CFPB LISTING complaint under XXXX XXXX/XXXX Master Participation Trust Fund and XXXX XXXX replied with written correspond3nce that it was determined after careful evaluation that they are the TRUSTEE for the trust which they failed to specify. They say they only handle issues with the trust and the servicer on the mortgage is the one that has the authority to handle collections, issues of foreclosure, staus of mortgage which according to these fabricated submission of Documents is CALIBER HOME LOANS. Now in XX/XX/XXXX I was served judgement of foreclosure by banks firm XXXX XXXX, XXXX XXXX, for XXXX XXXX as Trustee for XXXX. It is my understanding the servicer is the one with legal authority to collect on said monies they are stating are owed. However in XX/XX/XXXX, I wrote to the XXXX and NYS Attorney General and Caliber spoke to XXXX XXXX XXXX from XXXX and they stated I wasnt even in foreclosure or near that point, so then how am I being served thru the justice system a judgement and complaint foreclosure, and the servicer according to XXXX XXXX is the on, y one with authority to issue such claims. XXXX XXXX respresentimg the trustee or the trust which I can assume is XXXX XXXX. Are they in collaboration with the TRUST then to legally foreclose upon the request of the Trust. They are choosing to file papers illegally listing XXXX AND XXXX on papers without Calibers Knowledge. XXXX XXXX has not been abiding by the laws that are suppose to protect me. They filed In XX/XX/XXXX motions to the judge that their filed papers went unopposed by me the defendant and my attorney and both of us never received any documents. That was a lie and they continue to engage in unethical practices as my attorney filed For Bankruptcy in Federal Court in XX/XX/XXXX/ XX/XX/XXXX and while in Federal Court they filed motions in XX/XX/XXXX ,XX/XX/XXXX ; and in XX/XX/XXXX motions while I was still in Federal COURT and have violated federal that should have kept me protected under Federal Law while in Bankruptcy Court.until we withdrew case in XX/XX/XXXX/XX/XX/XXXX. They filed papers in XX/XX/XXXX which I was never informed about according to the county clerks records and was notified in XX/XX/XXXX for NOTICE OF Sale. XXXX XXXX must prove to me and the courts they have any legal right to proceed and if they do they need to go back to when they illegally motioned the court while I was in Federal cCourt snd Caliber needs to confirm any dealing with there Law Firm and tell them to recuse themselves because of their lack of following Federal Law that protected me under a Bankruptcy Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to place negative, derogative, new and recent payment notifications on this account this account. I have been disputing continuously since XX/XX/XXXX. They have placed charged off new activity in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

How does a charge off account that was sold to a collection agency have late payments, past due amounts and balances and they probably filed an insurance claim for this loss also? 

I contacted this company and they ignore my request and refuse to correct the inaccuracies on my credit reports. 

I filed a dispute with the XXXX, XXXX  and XXXX they have not been any helped. 

I filed a dispute with the CFPB in re of XXXX, XXXX or XXXX   not disputing this account that is not being reported with 100 % accuracy. 

I am requesting that you tell XXXX XXXX to correct the inaccuracies on my account or delete this inaccurate account.
Product: Debt collection

On XX/XX/XXXX I visited my doctor for a routine preventive care checkup. My insurance company, XXXX XXXX ( XXXX ), paid the covered claims for this visit on XX/XX/XXXX. Some charges were beyond XXXX coverage and I paid those in full by check. 

XXXX XXXX, my doctors medical group, began sending me a bill for {$230.00} starting XX/XX/XXXX for a preventive care charge XXXX paid 5 days later on XX/XX/XXXX. I received the bill each month and I returned it along with the Explanation of Benefits from XXXX showing that XXXX had already paid the {$230.00}. 

I called XXXX In XX/XX/XXXX to tell them what was happening. They sent a notice to XXXX XXXX stating they had paid the claim on XX/XX/XXXX. 

The bill kept coming. 

I called XXXX again in XX/XX/XXXX, and they sent a second notice to XXXX XXXX stating they had paid the claim. 

The bill kept coming. 

On XX/XX/XXXX I received a Request for Payment from Mountain Land Collections for this same bill, now at {$290.00}. 

On XX/XX/XXXX I sent a letter and copies of XXXX Proof of Payment to Mountain Land Collections, demonstrating that this bill had already been paid on XX/XX/XXXX. 

Now, Mountain Land Collections attorney, XXXX XXXX of XXXX XXXX, Utah, has called me several times since then. I sent them the same letter and copies of XXXX Proof of Payment. 

On XX/XX/XXXX, I received a Request for Payment from XXXX XXXX in behalf of Mountain Land Collections for this same bill.
Product: Checking or savings account

I filed a dispute on my account for a fraudulent transaction made on my account. My debit card was cancelled & I was issued a new one. Back on XXXX after some back & fort & sending in all my evidence I was send an email stating that Skrill ruled in my favor & that a permanent credit would be placed in my account for the disputed amount immediately. The funds were put into my account but then they immediately were taken back out. Since this time I ave been calling and emailing constantly trying to get a resolution. I needed the money to pay a bill & I ended up with a late fee because of this. Every time I call they say that the issue as been escalated & someone will get back to me within 3 days. After 3 days with no response, I call again & I am told the same again & again. I ask to speak to a supervisor & I am told that one is not available so I say I will wait to speak to a supervisor. I am placed on old for 30 mins or more then I am disconnected from the call. This as happened numerous times. I ave requested to speak to a supervisor & am told one will get back to me daily for 3 weeks now. No one still still will get back to me at all. I was told it is a technical issue and it will be fixed soon & my money will be put back into my account soon but that is what they ave said for 3 weeks now.For me to be unable to access my funds for this amount of time is unacceptable. I now am paying late fees due to my money being taken from me. The amount of time It as taken for me to try to get a resolution and to get my money back is at over 10 hours & it is unreasonable to spend that amount of time with no resolution & no response from this company. I am told every day that the issue was escalated & someone will get back to me but after tryin this for over a month, I obviously need some outside help because they are not resolving the issue or calling me or emailing me back at all.