23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been trying to fix my credit, I sent out multiple letters to Experian but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). and I just found out about the new lawsuit that CFPB came out with against them " CFPB Sues Experian for Sham Investigations of Credit Report Errors, Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. '' how can I use this to my advantage and can you help me create a complaint so i can file it with the CFPB online. 
I would like to delete inquires, collections, late payments from my credit report ; from Experian, XXXX and XXXX. This hard ship is stopping myself and family to buy a house, car, loan also.

15 USC 1681e ( b ) : This section outlines the " compliance procedures '' that CRAs must follow to ensure the accuracy of consumer reports, including reasonable procedures to verify information and investigate disputes raised by consumers.

15 USC 1681s-2 : This section specifies the responsibilities of " furnishers of information '' ( entities that provide data to CRAs ) when a consumer disputes the accuracy of information in their credit report. It requires them to investigate the dispute and report the results to the CRA.

15 USC 1681i ( 5 ) : This section details the process for handling disputed information within a consumer 's credit report, including the requirement for CRAs to reinvestigate disputed items and provide the consumer with the results of their investigation.

15 USC 1681c ( c ) : This section outlines the specific requirements for information that must be included or excluded from a consumer report, including limitations on how long certain adverse information can be reported DELETE ALL NEGATIVE ITEMS OFF OF MY CREDIT REPORT ; COLLECTIONS, INQUIRES, LATE PAYMEMTS OR CHARGE OFFS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX someone with an intercepted copy of my California  Driver License was able to pay cash at the Federal Bankruptcy Court Clerk window to file three skeleton chapter XXXX cases without ever listing a single creditor. As I was not aware of the filings I never completed the documentation necessary and each was Dismissed and Closed without any creditors even notified. I was having financial difficulties at the time and would have utilized the filings to fix my status but as they were not filed by me I was unaware. 

I disputed this information with the three major Credit Reporting Agencies who of course violated the FCRA by not validating my concerns with the original credit furnisher but rather a third party not involved with this dispute. I was then recently told by law enforcement to file an affidavit with the Federal Trade Commission as a victim of identity theft during this non sensible event. 

XXXX XXXX XXXX XXXX case numbers XXXX, XXXX and XXXX are all completely bogus. No dollar amounts, nobody benefitted and only I have been harmed. I also had a direct conversation with the Clerk of the Court who stated he has never had a Credit Reporting Agency call to validate a case and that his court would never do that with a third party either. Please contact XXXX XXXX at XXXX as the Clerk to verify this info.
Product: Debt collection

Every month they increase the debt by XXXX and report it as increase in debt. Its from XX/XX/2020 I have no idea what its even from of if its mine but its XXXX so idk what the extra charges are except a way to continue reporting me to hurt my credit.
Product: Credit card or prepaid card

I did not get {$25.00} cash back offer promised by Wells Fargo XXXX XXXX, and have called them multiple times during the weeks of XX/XX/XXXX, and kept getting inconsistent even illogic answers.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willing for Miss statement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Product: Debt collection

XXXX paid part of a bill for a medical XXXX fee in XXXX 2012 and failed to automatically pass the remainder on to my supplemental insurance company. I can get little information from XXXX about what happened to the remained as they do n't seem to know and can not get any information. The original lab fee bill to XXXX was in the amount of {$590.00} of which XXXX paid an unknown amount but failed to automatically send the remaining amount of {$200.00} to XXXX XXXX XXXX which has my supplemental insurance. I can get no information from XXXX about my account # so I can get no information there. I need to know how I can get XXXX to send this {$200.00} on to XXXX XXXX XXXX as I have been getting Collection Agency bills for XXXX years. Can you help me. We can not afford to pay this bill which we do not owe. We pay more than {$5000.00} a year for this supplemental insurance. Somebody has messed up on this bill, whether it is XXXX or their vendors.
Product: Debt collection

I have sent Santander Consumer USA a letter disputing things on my transaction with them. They have taken my car im a single father with XXXX XXXX and has put extreme adversity my life in hardship. I am an XXXX XXXX for XXXX XXXX and work hard to keep peoples lights on an it has made it hard to get to work on a daily basis an i know they have violated my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion continue to report me as being late 18 times when I've submitted several times that this account with XXXX was in a hardship forbearance Hardship forbearance or deferred payment make me not liable for making payments during that time. 

During the time of the 18 months my account was in forbearance and not only is the actual late payments wrong but the amount of late payments are wrong - I only make payment once a month - So why do I have three XXXX loans on my credit report and each of them have 6 late payments My credit currently has 18 late payments from one account that I make on monthly payment on per month In addition to this, I was placed in forbearance by XXXX for the duration of those late payments and have submitted over and over again - This issues has not only caused me distress but caused issues with the ability to acquire things financially I've been addressing this issue for years now
Product: Credit card or prepaid card

I purchased two items from amazon.com store-card via Synchrony Bank and returned the items for a refund per their agreement to the terms. 

I submitted the receipt and the items via their return label. The items were charged to my credit account. I sent the receipt that the items were returned and though they " continue '' to state they would refund my purchases since XX/XX/2019 they have refuse to respond and reimburse my account. 

On page 2 of 3 I have highlighted the charges that cleared, their return receipt via USPS with tracking numbers ( verifying they were returned ), per their instructions. To date they have completely avoided my calls, email and requests for refund on three separate occasions. 

Charges was for {$29.00} for one item and {$63.00} for the other. I am requesting they reimburse my amazon account immediately.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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
Product: Student loan

Ive had nothing but problems with pheaa from the beginning. They always made sure I was unable to get ahead of the loan, refused to work with me paying back the loan after I lost my job, and even did an illegal wage detachment against me without notifying me and began this wage garnishment on me just after 2weeks if starting a new job and being without empl Yment for a few months. After losing my job this past XXXX, I contacted them asking them to work with me and they wouldnt budge, I informed the customer service rep that I had no means to keep up with payments and they didnt care, the rep actually stated, well thats why we get people incomes returns. The conversation ended with the rep telling me to inform them when I find a job so they can continue garnishment. After that I never heard anything except getting balance statement with added interest included. The last statement I received was XXXX invoice and it stated that I owed over {$11000.00} and XXXX was projected costs. Turns out I would be filing ladt years and this years income taxesSo I assumed I owed {$9000.00} to pheaa if paid off with with taxes. I was wrong!! Turns out Pheaa quickly learned I was claiming 2 income tax return years, and in midst XXXX, they send me a letter demanding immediate full payment, claiming I was late in repayment ( I wasnt though because theyve made me pay about {$9000.00} in garnishment in a yrs time ). In this letter it said I owed al ost {$120000.00} and payment needed to be made in full. I was supposed to receive {$9700.00} back from XXXX return and {$7000.00} for XXXX return. While my taxes are being processed, I am awarded loan consolidation amongst XXXX to and pheaa both and included all of them in consolidation. I get approved for this but also find out that Not only did PHEAA take my entire {$2000.00} return of {$7000.00} but also took nearly {$3000.00} of my {$2000.00} return. NOT ONLY THIS but THEY ALSO got XXXX to buy my loans from them so all the money that pheaa has taken and robbed from me, A total of over {$20000.00}, but the amt that I had originally owed them ( {$15000.00} ) hasnt changed. I STILL OWE EVERY PENNY as if I never paid a cent to them.
Product: Credit reporting

XXXX is reporting a loan that charged off back in XXXX as 120 days late as of XXXX. That is wrong. If it charged off in XXXX how can they continue to report me and my husbands late in XXXX? XXXX XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold XXXX accountable to the FCRA and make them remove the lates after the account charged off XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix it.
Product: Debt collection

I have to money lion personal loans on my credit report that I did not open or even benefit from in anyway, I called the and the lady on the phone said I had gotten XXXX and never made another payment since the day it was apparently taken out. I had money lion in the pasr when I was XXXX and would never have gone back or even applied for even checked a rate with them since my first money lion account I had was sterrrible full of fees and XXXX XXXX  monthly memberships to use a credit building loan in like XXXX  and would have and did not ever go back to them.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I wanted to withdraw XXXX XXXX XXXX XXXX exchange Binance. I saw that they do not allow withdrawals in USD, so I had to transfer to another XXXXXXXX XXXX which would allow that. I made the transfer from Binance to my other wallet, and was not informed of any fees to do so. To my shock and horror, Binance took a 57 % cut of the transfer made. As this fee was not mentioned, and is horrifically expensive, I do not believe that this could possibly be legal.
Product: Debt collection

XXXX  XXXX  LETTER TO DEBT COLLECTOR XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX RE : XXXX  Block Request Dear Sir or Madam, I am writing to inform you that I am a victim of XXXX XXXX. Due to my involvement in this situation, certain information appearing on my credit report is directly related to actions taken by the XXXX. This letter serves as a formal request to block and remove this information in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). 

Below is a list of accounts and inquiries that are the result of this trafficking and should be blocked immediately. 

Accounts to be Blocked : XXXX XXXX XXXX XXXX  Request for Immediate Action : Pursuant to Section 605C of the FCRA, please block and remove this information from my credit reports within four business days. Additionally, I request written confirmation of all actions taken in response to this request.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX Enclosures : Proof of identity XXXX  documentation ( from a federal, state, local, or tribal governmental entity )
Product: Checking or savings account

Wells Fargo has refused to provide personal checks to consumers.
Product: Credit reporting or other personal consumer reports

" As per the guidance from the Consumer Finance Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which alls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 
Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX picked up the debt ) XXXX. {$7400.00}.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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 and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove : XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX These addresses are Unkown to Ive already included this in my previous Complaint & I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a collection account on my credit report from XXXX XXXX XXXX and is reporting an original amount of {$2600.00} this amount is erroneous the right original amount is {$2600.00}. Attach to this dispute I am sending a letter from the original creditor where it shows the original amount to prove my claim.
Product: Debt collection

Vance and Huffman LLC is reporting on my report in the amount of {$1000.00} I believe. i have never received a dunning letter in regards to the debt or why they are on my report. I have never heard of this company nor have I ever done business with this company before. I would like to know why they are reporting on my report without first notifying me and to provide sufficient legal documentation in regards to this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are incorrectly reporting : Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX The status is incorrect on the following items : XXXX/XXXX  XXXX - Date Opened : XX/XX/XXXX ; I was never late 30, 60, or 90 days late from XX/XX/XXXX - XX/XX/XXXX Credit Central - Date Opened : XX/XX/XXXX & XX/XX/XXXX ; I was never late 30 or  60 days late from XX/XX/XXXX - XX/XX/XXXX Credit Central - Date Opened : XX/XX/XXXX & XX/XX/XXXX ; I was never late 30 or 60 days late from XX/XX/XXXX - XX/XX/XXXX Incorrect Public Record Information : I never filed Chapter XXXX bankruptcy ( XXXX  ) I never authorized the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX - 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX   XXXX  XXXX
Product: Credit card or prepaid card

I am contacting your agency because I need your help in disputing some charges done on my Mastercard XXXX XXXX XXXX XXXX Citibank credit card by a fraudulent company. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a all charges done on my card by a company called XXXX XXXX XXXX charged on XXXX/XXXX/2016 {$3000.00} and the have been charging {$99.00} per month since XXXX last year. I paid them after their persuasive salesperson made me promises of a very profitable online business.. I never made a penny.They kept saying how important their services were and would bring traffic to my website. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with the company and get my refund but they ignored my requests.I know its been a long time but I need your help in trying to contact my bank so they can open an investigation please. Thank you in advance.
Product: Debt collection

I contacted the collection agency to pay off the debt to erase the derogatory mark off my credit report. The collection agency reported that the amount I owed was more than the final statement I received from the original company. I disputed the debt owed with the credit bureau and the results were that the collection agency reported that the balance is being reported correctly when in fact it is more than what I owed the original company.
Product: Mortgage

I attempted to start the loss mitigation process with the help of a housing counselor the beginning of XXXX. I submitted my application on the XXXX with the supporting documents. I soon received a response letter with a list of missing items needed to deem my application as complete on XX/XX/XXXX. They needed me to sign my previous year 's tax returns and resend them, a copy of my W2 for XXXX, to continue sending my bank statements until my file was deemed as complete, and a detailed letter explaining any non-payroll deposits totaling over {$500.00} showing on my bank account, and to keep sending in my current pay stubs until my filed was deemed as complete. I also was given a point of contact with the number and extension to reach her if I had any questions, or concerns with the loss mitigation process. 

After sending in the documentation, I soon received a follow up letter with additional items needed for my application to be deemed complete on XX/XX/XXXX. They needed me hand sign my hardship letter and re send it to them, and to send in the last 3 bank statements for the account showing on my most recent tax return. I had opened the account showing on my return only for tax refund purposes, and for that reason, I didn't have 3 months worth of statements at the time. I called multiple times trying to get a hold of my point of contact but the phone number that i was given didn't let me dial any type of extension. I called on my lunch breaks to try to get a hold of really anyone in the loss mitigation department just to be on hold for 30+ minutes to get sent to a voicemail stating that someone would be in contact within 48 hours. After leaving my information I still received no call backs. I submitted the bank statement I did have, and wrote with the document description that the account was only opened for refund purposes. The documentation for the application was marked as completed by someone, then quickly was marked incomplete again by my point of contact with an additional followup letter that was requesting the 3 months worth of statements again. 
I spent phone call after phone call on hold, trying different numbers founded on the lenders website, and talked to a couple different people who tried to put me in touch with the right person. I was finally able to get a hold of someone in the right department after waiting 45 minutes on hold. I explained my situation and he looked up my account, and told my the best thing to do would be to write a letter explaining the situation and upload it to my portal. 
I wrote the letter and submitted it on XX/XX/XXXX then someone had closed the request for assistance on the XX/XX/XXXX.
Product: Debt collection

I contacted this company when I saw it was on my credit report. The reason I called was because the amount showing owed is twice the amount that was originally owed and left unpaid. I asked to verification of the debt and was given the runaround. Also the debt is showing as recent as last year and this is not accurate either. The original delinquency date for this debt was in XXXX 2013. This company is reporting a date that makes it look like this was as recent as last year which is not correct. I was told someone would call me back with verification information but the only person that called was a collection agent to tell me how much I owed and how did I want to pay. I informed the agent that I was not going to pay anything until a verification of debt was done. He told me that all debts are verified before being handed over to them for collection so he could assure me that the debt was accurate and up to date. I thanked him for his time and ended the call.