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

Hello, you're currently violating my rights under the law. The IRS describes a charge off as gross or ordinary income and you're currently reporting charge off 's on my credit. Now tell me are all this accounts reporting as debt? This is not accurate of fair information that you're reporting on my credit. Here 's one violation, 15 USC 1681 talks about accuracy and fairness of reporting. Second violation, 15 USC 6801 protects my information of non public personal information and also violation of 15 USC 6802 obligation to respect of disclosure and all this company 's did not provide me this information. They also, never never sent me a 1099 cancellation of debt form. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You have violated me. I need this charge off be deleted. I demand that this charge off be deleted from my credit.
Product: Credit reporting or other personal consumer reports

XXXX failured to properly investigate disputes and reinsert inaccurate or unverifiable information onto my credit report, which violates the Fair Credit Reporting Act ( FCRA ). This issue has caused undue harm to my financial well-being and creditworthiness. 
Despite my repeated efforts to dispute the following inaccurate or unverifiable accounts, XXXX has failed to conduct a reasonable investigation and has improperly reinserted negative information into my credit report : The following accounts have been presented on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> and have not been properly verified or provided proof as requested so deletion is required XXXX XXXX XXXX I previously disputed this account stating : " I previously disputed this account stating : " % { previous_reason } '' I don't agree with the results of your investigation. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX XXXX I previously disputed this account stating : " I previously disputed this account stating : " % { previous_reason } '' I don't agree with the results of your investigation. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I previously disputed this account stating : " I previously disputed this account stating : " % { previous_reason } '' I don't agree with the results of your investigation. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Credit card

On XX/XX/year> at XXXXXXXX XXXX I was charged interest in the amount of {$38.00}. My bank account linked to this credit card, recently experienced a fraudulent transaction and was closed under the direction of my bank. 

I communicated this to Apple Card and was told that my auto payment of {$1600.00} was successfully accepted ( e.g., before the bank account was closed ) and that my monthly balance was paid in full. ( I have a chat transcript of this conversation that I can provide to you if needed. ). The agent further told me that since the monthly balance was paid in full, " you will not accrue interest charges. '' Obviously, this was not the case since, I was charged {$38.00} in interest. I have a perfect track record of paying my credit card on time, and obviously if Apple Card would have told me that my bank rejected my auto payment, I would have paid the balance using an alternative method.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

The items listed are wholly inaccurate and incomplete, revealing a significant error in their reporting. I kindly request the removal of this misleading information and urge you to ensure the provision of an amended credit profile to all creditors who have received a copy within the last six months, or the last two years for employment-related purposes. 

1. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

1. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

1. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IDENTITY THEFT 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : TD BANK USAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please promptly remove this data within XXXX business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!
Product: Money transfer, virtual currency, or money service

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

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

On XX/XX/XXXX an old close, settled and removed Capital One account was Re-inserted on my XXXX  Credit Report. That account was on XX/XX/XXXX and Capital One had sold the account to a collection company without report that to the credit bureaus which illegal by the FCRA and the FDCPA. Fast forward XX/XX/XXXX when i contacted Capital one concerning that account they had told that they wasn't holding the account anymore and had referred me to a collection company named XXXX XXXX XXXX. On XX/XX/XXXX i had got in touch with the collection company " XXXX XXXX XXXX '' and they had offered me settlement deal for an amount less than the charge-off amount. The original charge off amount was {$210.00} and the collection company had accepted {$89.00} from me in exchange to settle the account and remove the account from all the credit. As a pay for deletion settlement After i had received my confirmation letter from the collection company in about 2 weeks after my payment i notified XXXX  about the settlement via a dispute. On XX/XX/XXXX that Capital One account was removed from my XXXX  credit file On XXXX XXXX without my consent, my knowledge, my agreement nor my signature that same old closed, settled, and removed account was illegally and unlawfully reported and RE-INSERETED on my XXXX  credit report with inaccurate address, inaccurate status date, inaccurate payment status, inaccurate past due amount, and inaccurate balance. Due to the Re-insertion of this inaccurate account on my credit report Capital One has violate my RIGHTS, DEFAMATE MY CHARACTER in the eyes of other lenders and financial institution and also has damaged my credit because my credit score had drop drastically by XXXX point. and now my credit score went from VERY GOO to FAIR.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX are attempting to collect a debt on behalf of Speedy Cash. XXXX XXXX XXXX XXXX XXXX and Speedy Cash is reporting incorrect information to XXXX. On my report XXXX XXXX XXXX is listing the date the account opened as XX/XX/XXXX which is not correct. When I requested the debt to be verified they forwarded documentation from Speedy Cash with the date listed as opened on XX/XX/XXXX and that it has been in collections since XX/XX/XXXX, but been past due since XX/XX/XXXX. 
There's XXXX conflicting dates on the documentation forwarded to me in their attempt to verify this debt. By law they are required to report accurate information and that's not being done.
Product: Payday loan, title loan, or personal loan

Payoff.com has adversely impacted my personal credit through predatory credit lending practices. I applied for a credit card consolidation loan and was given a rate of 9.99 % APR. A few days later, I was told that my application was completed and that I just needed to accept the loan. There was no mention of my rate increasing in their communications with me however when I looked at the fine print, my APR had increased to 11.99 %. When I brought this to the attention of their customer support, I was told that is a normal occurrence and credit rates are complex calculations. I did not accept the loan for a week to reevaluate my options given the change in rate. When I went back to their website, my APR had increased another 2 % to 13.99 %. Both of these increases had occurred in less than 2 weeks. I asked customer support why my rate increased and was told a very similar answer. I authorized Payoff.com to perform a hard inquiry because of false information that they provided me with. This has lowered my credit score and made it more expensive to attain the loan I am seeking. They claim to help people get out of debt but I am now in a worse situation because of false information that they provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

WELLS FARGO DEALER S Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly attempted to dispute items with Experian that do not belong to me : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Experian often ignores the dispute, not responding waiting the required 30 days. 
Other times, they are unable to verify the items, yet fail to delete them. 

These items do not belong to me. The FCRA requires removal if they are not mine and can not be verified. XXXX  has failed to provide any documentation of these items, has failed to verify them, had failed to respond to me, and has violated the FCRA on many occasions. 

They are required by law to delete these items immediately, since they have failed to do so within the timeframe prescribed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account number : XXXX Account Name : XXXX XXXX : Account number : XXXX Account Name : XXXX XXXX  XXXX XXXX : Account number : XXXX Account Name : XXXX XXXX : Account number : XXXX Account Name : XXXX FCU : Account XXXX : XXXX Account Name : XXXX XXXX : Account number : XXXX Account Name : XXXX : Account number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I had a hotel booking and I used capital one spark credit card. I have not recd the money yet. I have a proof from the merchant that they refunded it on XXXX XXXX Need to get the refunded money asap I failed to get any responsible person from capital one. Calls are getting disconnected all the time
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reported to all 3 bureaus and all said closed account, now they updated to charge off/collection except XXXX. How is there a balance on an account that was reported closed. Now its saying charge off/collection on 2 reporting agencies. ( transunion and XXXX ) after transunion deleted it first! Account was reported closed XX/XX/2021
Product: Debt collection

The original creditor was XXXX XXXX. I paid over {$300.00} in XXXX to transfer the phone over to XXXX. The rep from XXXX  advised that she would not provide the unlock code until i paid off the device. Now XXXX  is has sent I.C. Systems, INC after me trying to collect on the same amount i paid to switch over. I.C. Systems, INC has failed to notify me in writing in regards to the alledged debt. However, they have placed the account in collections on my consumer report.
Product: Debt collection

AWA Collections, of XXXX, has acquired a debt of {$640.00}, plus {$32.00} in interest, from XXXX XXXX. This is a debt XXXX alleges I owe after renting a car last XXXX in XXXX. 
I attempted repeatedly to inform XXXX, and then AWA Collections, that I have already paid part of the fee and the rest is being charged in error due to mistakes by XXXX. Specifically, the company shows me renting a car different than the XXXX I actually rented and returning it three days later than I actually returned it. I provided documentation showing both errors by XXXX, but to no avail. AWA Collections was similarly disinterested in the truth when contacted by mail. 
I have already rightly been charged, and paid, {$380.00} for the car rental. I should not have to pay the remaining debt charge of {$260.00}, much less the combined amount ( plus interest ) that AWA Collections is seeking. 
I appreciate any assistance the Bureau of Consumer Finance can provide, and am glad to submit supporting documentation upon request.
Product: Credit reporting or other personal consumer reports

I DID NOT INQUIRY IN THESE ACCOUNTS BELOW, THIS IS IDENTITY THEFT. AND MUST BE REMOVED FROM MY CREDIT REPORT ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I had got behind on my bi weekly car payments of {$230.00} on my XXXX XXXX. I was only about 2 weeks behind on my payment and repossession was threatened when I only owed about {$500.00} to catch up to my normal payments. They refused to work with me and came and repossessed my car the same day. Imagine keeping up with {$230.00} of biweekly payments as a XXXX XXXX who still has other fees including a XXXX  monthly insurance. It seemed easy at first and I was really desperate for a car at the time. Fast forward XXXX of XXXX, my credit has a XXXX loan stuck on it. I no longer own the car or plan on getting it back. Im only XXXX years old and now live on my own with more bills and expenses, while still attending XXXX  to be a XXXX.
Product: Mortgage

I advised my mortgage company PHH mortgage that I was having some issues with payment due to issues with Covid. They offered for me to put payments on hold for 3 months. I get a call XX/XX/XXXX and it the mortgage company telling me they have a offer to put my 5 payment to the back of the loan. I accept. I asked pertinent questions is they anything else I need to do. They say no. The payment will go to the back of loan. I get a letter today indicating otherwise. I call today and they tell me they made a mistake. The investor XXXX XXXX XXXX they throw rocks and hide and do deceptive things ). They want me to remodify I do not need to I am at 2 percent. I am angry and upset that they conned me. I have been in my house for 15 years they are trying to take my house. XXXX XXXX has been doing this to people of XXXX for years. They are not to be trusted. Please help. This is a bait and switch situation. XXXX XXXX is taking advantage of people.
Product: Student loan

This is the latest email I sent FedLoan Servicing, which I believe details the issue : I just received the results of my PSLF progress and it is NOT correct. I have spent 15 years in non profit public service. And while I have had periods of deferments, I have had periods where I was making IBR payments. Also, the current deferments because of COVID are also supposed to count towards payments. My results say that I have only made ONE eligible payment. With the waiver/application I submitted several months ago I re certified my employment with all three of my eligible employers, which include SERVICE ACCESS AND MANAGEMENT ( non profit ), XXXX XXXX ( government ) and DEPARTMENT OF CORRECTIONS ( government ). Your chat lines are never available, I have made numerous attempts to speak to someone before and through this process and it has proven to be impossible to reach someone.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student record and personal privacy. 
Under the following legal protections, my information should have been safeguarded : Family Educational Right and Privacy FERPA ) : Ensure the confidentiality of student record and probits the unauthorized disclosure of personal information. 
Higher Education Act ( HEA ) Establishes the responsibility of educational institutions and loans servicers to protect student data. 
Privacy Act of 1974 : Prohibits the unauthorized sharing of personal information held by federal agencies. 
Breach of Contract : The unauthorized sharing of student loan borrowers personal and financial information with third parties, including XXXX XXXX, constitutes a violation of the contractual obligations to protect borrower data. 
Given the severity of this data breach and failure to uphold federal protection, I formally requested the immediate discharge and cancellation of my student loan debt in full. Complete removal of all advantage related entries from all three of my credit reports. 
Please provide written confirmation of receipt of this dispute, as well as information regarding the next step in the resolution process. 
I appreciate your prompt attention to this matter and look forward to your response.