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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

The account listed below should not show a late payment. I called multiple times to make my payment and was told I could not make my payment while my account was under review for an extension. After I was approved and made my payment, they reported it late and refuse to remove it when it was their system that would not allow me to make the payment early. XXXX XXXX  has already been involved in a CFPB complaint in XXXX  and was required to pay a penalty of {$200000.00} and {$34000.00} in restitution to all the consumers affected. This is clearly a pattern for BSI to take advantage of consumers.
Product: Debt collection

This collection is from a company called XXXX. I canceled the XXXX XXXX XXXX XXXX when I sold the property attached to it in XXXX. When I called, the representative made me aware that everything was good and that the current owner had taken over the system. Some time passes, and I review my credit port and find the XXXX account was sent to collections. I called XXXX and spoke to a representative and was told that something went wrong with my cancellation while they were going through some company change over. The representative told me I was responsible for the equipment. I complained and requested a supervisor who repeated that same story. I, at that time, told XXXX I should not be accountable for their employee errors and I would never pay for something I was not responsible for, and they needed to check their recordings. This was back in XXXX to XXXX. Now, fast forward to XXXX, I get a text from a debt collector that they have bought the debt, and I need to settle it before a specific date. I never received any documentation. I assume they plan on suing me to recoup more money from me. This is a false debt that I should not have to pay. XXXX failed to execute their cancelation practices correctly and then put the blame and the obligation on me when I did what I was supposed to do. I called and canceled the service, and the new owner took over the service. Why am I being harassed by this collection company?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I filed a CFPB complaint # XXXX, In pure regards to the validity of a unverified debt XXXX XXXX XXXX stated that I owe. 

On my credit monitoring service today on XX/XX/19 I received a notification that there was a decrease in a collection account that I supposedly paid XXXX XXXX XXXX at lease {$1.00}. I have never contacted this collection agency directly outside of this platform " CFPB '' to address my concerns. 

This company has reported to XXXX  according to my monitoring service that I personally made a payment towards this account which never happened. 

Therefore, I'm asking for XXXX XXXX XXXX to provide proof of payment and method of payment made by me as reported to XXXX.
Product: Prepaid card

From XX/XX/XXXX until XX/XX/XXXX or XXXX XXXX  they were unauthorized transactions on my unemployment card with Bank of America this is the third time I filed a complaint with you guys and the first time the claim was resolved in my favor this was a year ago but there were two other claims that were included and they keep denying it but they're all from the same situation and their ruling contradicts the ruling in the claim that was approved in claim XXXX was approved in my favor after supporting documents were submitted but the same supporting documents are in cohesion with the other dispute that they keep denying I keep asking the bank how can claim XXXX be approved but claims XXXX and claim XXXX be denied when they have ATM footage showing the same perpetrator making unauthorized transaction at an ATM this is been going on for 2 years now and the precipice of the claim is because in the claim that was approved Bank of America sent me ATM footage from the dates of said claim and also the dates in claim XXXX which totally contradicts their ruling on initial claim I did not make these transactions I've sent supporting documents to the point there are no more supporting documents I've sent police reports I've sent court dispositions I've sent statements I've seen jail arrest records all documents which were used in claim XXXX which was approved. But are deamed not valid in these other two claims that include the same perpetrator that happened at the same time .I 'm requesting for arbitration or some type of court hearing with the bank because the claim department would not resolve this in my favor no matter what I do so that's why I'm asking you guys to either help me hold the accountable or point me in the right direction of how I can get this in front of a judge or somebody so it can be litigated in the proper way because if it's up to them I would never recover my money the claim in question are # XXXX XXXX and claim XXXX if possible can you all request the ATM footage from claim XXXX XXXX and compare with the ATM footage from claim ending in XXXX you will see that it's the same person but yet it's still I'm being told that they have authorization but when they made more transaction they didn't have authorization it totally contradicts everything and it's not right and they've made numerous mistakes because the claim that was approved was due to them putting money on a card that was compromised already and all of this is documented but yet instead they refuse to repay me my money could you guys please help me
Product: Payday loan, title loan, or personal loan

I work as an XXXX XXXX XXXX XXXX for my daugther, who was in the Intensive care unit at XXXX XXXX XXXX in XXXX XXXX in XX/XX/XXXX. When my daughter is hospitalized I do not get paid. After being in the hospital for a month I signed an Opp loan for {$2600.00}. From XX/XX/XXXX to XX/XX/XXXX I have paid them over {$3600.00}. Today they tell me that I owe them {$2800.00}. I just made a payment for {$210.00} That I am placing a Stop payment on. I was never told the INTEREST RATE OF 160 % THAT IS ACTUALLY OVER 430 % APR.
Product: Money transfer, virtual currency, or money service

I received a 1099-K from Block Inc for {$28000.00} for money I did not earn or have anything to do with. I tried calling Block Inc ( CashApp ) several times to get help to address this and the company was very unhelpful. I do not use CashApp for business and I have not used the personal app since XXXX I attempted to request verification of the document but they told me they were unable to verify it or amend it. It appears that someone has fraudulently used my information, including my SSN, to process financial transactions. As I was not able to verify the veracity of the form that was sent to me, I am moving forward as though the document is authentic and represents fraudulent behavior. I hold Block , Inc responsible for weak security and allowing this to happen.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. 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. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

XXXX of XXXX, I contacted Transworld services to work out an agreement, and a monthly payment plan. My intention to set up a payment plan was to ensure that my security clearance would not be revoked, and that I could gain employment with the Department of Defense upon evidence of this agreement with Transworld Collection agency. 
When I explained my intention to a the Transworld representative, to have my clearance approved for an excellent job opportunity I was in route to gain, the representative became erratic and annoyed. Specifically, after I answered her question " How much do you plan to make at the new job? ". After answering her questions and attempting to retrieve proof of agreement, she rudely refused to work with me. I also requested to speak with her manager, and again she refused in a a short and aggressive tone. After being refused, and talked over, to move forward with any request for assistance, I ended the conversation and called my Federal employer. This act from the Transworld representative cost me employment with a good paying job, and an opportunity to pay off debt I intended to respectfully pay. I haven't heard from or attempted to call them since. To this day, I have continued my pursuit to employment, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX, XXXX. I finally gained partial employment with the XXXX XXXX. I received an opportunity to attend military training and get paid full-time for XXXX  months. During this time, Transworld has collected over {$7400.00}, sometimes about half my pay and more. This debt was calculated as fully paid on my Leave and Earning Statements ( LES ), unfortunately Transworld Collection Agency started a new debt and intends to collect another more than {$1400.00} ( as stated by the representative XXXX ) without notice, under the same debt name. This appeared as a random additional debt owed to the same Debtor. They have not provided any documentation, or notice, or proof displaying an accurate calculation for their debt collection actions. They have forced automatic deductions, to deduct more than 50 % of my paycheck at times. I find it disturbing that this is legal, especially when forced upon military personal. I will be pursing further legal council with my military legal advisors ( XXXX ) once I arrive to my new duty station. 

XX/XX/XXXX. I called today to get an explanation, and I received no accurate information as to how my debt is calculated. The representative continued to say " your LES will not reflect the correct amount due ''. If this is true, why and how am I paying debts that have no accurate reflection of the final due amount and how can the government keep track of this. The representative also did not provide a total amount due, and therefore left me to believe that they can charge anything to my XXXX paycheck without an accurate reflection of how much I owe. Please assist.
Product: Vehicle loan or lease

NMAC still continues to violate my federal rights. They are still contacting me after receiving my cease and desist. They are still collecting payments after not validating this debt. They have still yet to send me an audit trail that I have requested. They are still negatively reporting to consumer reporting agencies after I provided written instructions not to. They threatened to steal my car again.
Product: Vehicle loan or lease

In late XXXX I paid {$500.00} down on a XXXX XXXX XXXX. Payments of {$400.00} a month was fine but literally days after driving to car off the lot ( XXXX XXXX XXXX XXXX XXXX in XXXX Ky ) I noticed abnormalities while shifting. I purchased the extended warranty from the dealership and was told it would be taken care of. After sitting hours at the dealership I was told it was normal in those types of cars and that it wasnt nothing to worry about. Fast forward to early XXXX the transmission was completely not shifting right at all. I called Arivo Acceptance and informed them of the issues I was having. Asked them about making payment arrangements due to having to pay extra to get he car diagnosed and serviced. I was told by Arivo that I could take the car back to where I purchased it and that Arivo could finance me another vehicle with no issues if I didnt want to do that then they would finance me the extra funds to get the transmission replaced but I would need to provide quotes. All of which was a lie. The transmission went completely out of the car after numerous attempts to get Arivo to hold up their end. Ended up losing my job due to the transmission being out and being a single mom of XXXX kids. I found myself in a pickle. I had no choice but to stop paying on the loan and had to save for another vehicle asap or else I would have lost everything. After all, Arivo assured me they would help me fix it since I reported an issue literally days after buying the car. Fast forward to XXXX of XXXX, the car ultimately was reposessed. Apparently after paying on the car for 3 years did nothing. I owe just us much now as I did when I bought the car. I received my deficiency balance. It doesnt appear that Ive made any payments ( according to the paper ) thought I know darn well I have. Not to mention them charging an upsurd fee for repossession, cleaning ( the car wasnt dirty ), auction fees, etc. this was the first and last time I will ever finance another vehicle and I am XXXX XXXX XXXX now. Not to mention Arivo contacted people I wasnt even directly associated with ( not sure how they got their number ) and was asking questions about me! HOW EMBARRASING! I thought they would contact my contacts provided which would have been fine. But for them to contact people unrelated to me is just ridiculous. The balance they sent a letter to me about says I owe them much more then what their app is reflecting. Probably close to XXXX more than what I actually owe.
Product: Debt collection

This letter is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. 
I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. I'm sure we both understand that most disputes are often conducted using software, such as e-Oscar, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 enforceable by FACTA 312 which affords me the right to request that you as the information furnisher conduct a reasonable investigation of the information being reported to the credit bureaus. bureaus.

Ruit If you're unable to perform a reasonable investigation, or you're unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. Furthermore, per FCRA Mandates, it is required that this misinformation be forevermore blocked from re-reporting attempts, now or in the future by your company and/or any entity. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information reporting XXXX ) being fully accurate and complete then please send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 
Also, will you send me a copy of the 1099 that was issued. 

Thank you, XXXX XXXX
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 XXXX out of XXXX 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. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XXXX XXXX ( operated by XXXX XXXX XXXX closed my checking account without prior notice on XX/XX/year>. They will not tell me why. I have been told that a check with the closing balance of {$9900.00} was mailed on XX/XX/XXXX or XX/XX/XXXX. I have been given both dates by bank representatives. I was told it would arrive in 5-7 business days. Accounting for the XXXX XXXX holiday, today is day XXXX if it was mailed on XX/XX/XXXX. I have called multiple times to get more information on the whereabouts of the check and to ask to have the check overnighted to the address on file ( I even told them I would pay for the shipping costs ). Each time I am told to " wait another day or two '' or that they can issue a new check after a " 1-2 business day review to see if the check has been cashed '' but that it will take " another 5-7 business days '' for a new check to arrive. I am not interested in going through this process again. I am traveling abroad and this checking account is the only access to funds that I have. To say this has been an inconvenience is a gross understatement. I have begun to question if the check was ever mailed at all. Given that the amount of the check is a significant amount of money I feel I should be offered a better option to receive it. I would like to be able to track the envelope and, at this point, want the check overnighted to me. I have attached a screenshot to show that I have reached out to the bank multiple times to get this resolved. 

In addition to the account closure, I disputed two transactions that I made on the beach in XXXX on XX/XX/year> ( posted XX/XX/year> ) that resulted in be being charged {$280.00} and {$960.00}. These transactions were for XXXX drinks from a roaming beach vendor. The bank denied these disputes and I requested a report showing what steps were taken to come to this conclusion as well as proof that I authorized the transactions. I never received this information. All I received was the original message that the claim had been denied. That message said that the merchant was contacted by phone and provided proof that I authorized this transaction. I want to know what that proof is because in XXXX all XXXX debit cards are ran as " XXXX '' so no pin is required. I also did not sign any receipt for this purchase. Since the purchase was made from a beach vendor without a storefront ( that I know of ) I am very curious how the bank contacted this person and what proof was given to show these amounts are correct.
Product: Credit reporting

I learned of an inaccurate account when I checked my credit report. I called Equifax to ask about it, they directed me to the data furnisher, " XXXX XXXX XXXX XXXX ''. I contacted them by mail ( see attached letter ), and asked them to provide me with further documentation, per Section 623 ( a ) of the FRCA. They failed to respond in any way. I received no letter, nothing. It 's now been 2 months. I disputed the item with Equifax but they have not removed the account from my credit report. They are supposed to do so within five days of learning that there is an erroneous, unverified account. Please help me to get them to do what they are required, by law, to do!
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, any incorrect accounts must be removed from my credit report. Could you verify the documents? Some accounts have inaccurate information regarding the amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to this taking 3+ years of my life to try to correct the mistakes that these credit report companies have done, I am not going to list the multiple calls & multiple letters ( the letters included copies of their reports & each companies letter every time I sent them ) to correct the problems with them all. Now, the only credit report company I still have problems with is Equifax. They still have 6 companies that they still are refusing to remove from my credit report, companies that are 10 or more years closed & that I have sent letters from those companies stating the accounts were closed. Equifax also will not give any information on me to any company that requests a credit report on me, they say they can't find me. Enough is enough, this needs to be fixed ASAP.

Kudo 's goes to XXXX for quickly removing all of the incorrect or outdated info from my credit report. The XXXX  & XXXX  companies did remove the incorrect & outdated info in a timely manner. I just want my life back & not have to deal with any more. Please help me!!!!!
Product: Credit reporting or other personal consumer reports

On or About XX/XX/2023 I filed a complaint # XXXX XXXX attached. Equifax responded " Company responded on XX/XX/2023 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : NON REPORTING DISPUTES Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. '' Unfortunately, the " NON REPORTING DISPUTES Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. '' is still reporting on my Equifax credit file.