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

I've contacted Equifax on a number of occasions to dispute the Chapter XXXX on my credit report and I have also explained to them that XXXX and XXXX  do not have a chapter XXXX on my credit report and the representatives and supervisor all say that they are following the law and they can keep an I item on a consumer 's report for 10 years. How does this benefit, Equifax? Why would an agency allow a credit reporting company Equifax to hold consumers hostage? XX/XX/2019 will be 10 years since my Chapter XXXX has been discharged. It is my request that CFPB insure that Equifax removes the item.
Product: Credit card or prepaid card

From XXXX XXXX, I received letters from credit cards companies. These letters were thanking me for applying for a line of credit, but informing me that I was denied. I never applied for any credit cards not ever. I think these scammers have my social security number. I am afraid bc I do not know what else they are doing with my information. 

My Bank account with XXXX XXXX  was compromised a few weeks ago, I caught it in time and I never lost any funds. I closed that account and now I have a new one, hopefully it is secure. 

I am in the process of calling all the companies and I'm considering sending them letters also. It is Discover Card, XXXX, XXXX XXXX, and XXXX XXXX. I will not be surprised if more come in as well. 

My credit is terrible and I've been working hard trying to improve it. Will this situation end up with me having an even lower credit score than I already do? If so, how do I go about rectifying this? 

I would so appreciate any assistance you can provide. Thank you very much. Please feel free to contact me any time. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Kohl 's XXXX is calling my home number under several different numbers and the caller ID indicates it 's either " toll free '', " unknown name '' or " XXXX '' and each number is different. 

They will begin the day at XXXX XXXX. calling from a Kohl 's XXXX number XXXX. Then again on that same number @ XXXX XXXX. Then they call with " toll free call '' @ XXXX XXXX XXXX. " Unknown name '' @ XXXX XXXX calling from XXXX. " Toll free '' @ XXXX XXXX XXXX. " XXXX @ XXXX XXXX. XXXX. XXXX @ XXXX XXXX XXXX. " Toll free " @ XXXX XXXX XXXX. XXXX @ XXXX XXXX. " XXXX @ XXXX XXXX. " Toll-free '' @ XXXX XXXX XXXX. " XXXX @ XXXX XXXX XXXX. " Unknown name '' @ XXXX XXXX. XXXX. 

This has been going on for months. It begins at XXXX XXXX and does n't stop until XXXX XXXX they also use an ID " XXXX XXXX " I get mail correspondence from them. I know I owe them, but to make me get to the point that I do n't answer my own home number to ANYONE is ridiculous. Harassing me is n't going to get this bill paid any quicker. What will eventually happen is that I will get fed up by the constant calling and shut off my home number. Unfortunately, I have a XXXX XXXX XXXX mother that I have to have it for in case of an emergency because I do n't get good signal on my cell. So Kohl 's is pushing me into a corner.
Product: Credit reporting or other personal consumer reports

XXXX is showing that i have a balance with American Express in the amount of {$540.00} These are not charges I made with my American Epress Card but rather with the primary account holder, I am only an authorized user. 

The primary accout holders charges and balances are being reported to the Credit Reporting Agencies by American Express to my credit report and they are not my charges I have not used my American Express card since XXXX XXXX 

I have tried calling XXXX and they refer me to American Express ( Amex ) when I Call Amex they send me to a call center in XXXX, I have a reference number XXXX they say they are following policy and reporting to the Credit Reporting agnency as required By Law ( quote ). I have told them these are not my charges and should not be reported on my credit report. They either do not care or completely unknowledgble of American Laws. 

I have attach my statement showing I have not made any charges with my Amex issued card since XX/XX/.
Product: Money transfer, virtual currency, or money service

I transferred {$2800.00} through XXXX on XX/XX/XXXX and the dollar exchange rate against XXXX was {$1.00} = Rs XXXX. As per them money suppose to available in XXXX on XX/XX/XXXX but amount available in my XXXX bank account in XX/XX/XXXX with the exchange rate {$69.00}. 
When i complain then they told you selected indicative rate while transfer instead of Guaranteed rate ( fixed exchange rate ) but as i transferred several times through the same XXXX and i know very well how to transfer through XXXX. 
Clearly they are cheating to customer.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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: 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 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, I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute letters asking TransUnion to send me written verification from debt collection XXXX XXXX XXXX, I have not received. Also, TransUnion is reporting is collection as an open account which is not under FCRA compliance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent collection item on my credit report from XXXX XXXX XXXX. Despite having submitted a previous dispute regarding this matter, the item remains on my file. I have no knowledge of this debt, and I believe it was opened without my consent. I have reported this issue to my local law enforcement agency and filed an identity theft report with the Federal Trade Commission. Given these circumstances, I request an urgent investigation into this matter and the removal of the fraudulent entry from my credit report. Thank you for your prompt attention to this issue.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX AUXXXX  Account number : XXXX Account name : XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion is reporting unauthorized inquiries REASONS : Please remove any and all unauthorized inquiries from my reports as I have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX Date FiledXXXX Type of Account : Finance, personal Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX Number:XXXX Reason : This is inaccurate Account Name : XXXX XXXX Date Filed:XXXX Type of Account : AUTOMOTIVE Address:XXXX XXXX XXXX, XXXX , pa XXXX Number:XXXX Reason : This is inaccurate Account Name : XXXX XXXX Date Filed:XXXX Type of Account : AUTOMOTIVE AddressXXXX XXXX XXXX, XXXX, pa XXXX Number:XXXX Reason : This is inaccurate Account Name : XXXX XXXX Date Filed:XXXX Type of Account : AUTOMOTIVE Address:XXXX XXXX XXXX XXXX, XXXX, paXXXX Number:XXXX Reason : this is inaccurate Account Name : XXXX XXXX  Date Filed:XXXX Type of Account : automotive AddressXXXX XXXX XXXX, XXXX, paXXXX Number:XXXX Reason : this is inaccurate Account Name : XXXX XXXX Date Filed:XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX Address:XXXX XXXX XXXX, XXXX, paXXXX Number:XXXX Reason : this is  inaccurate Account Name XXXX XXXX XXXX Date Filed:XXXX Type of Account : bank AddressXXXX XXXX XXXX, XXXX, paXXXX Number:XXXX Reason : this is inaccurate
Product: Credit reporting or other personal consumer reports

Santander Bank do not report monthly balance after closing monthly statement immediately to the credit Bureau. They report 60 days after the monthly statement of credit card balance to all credit Bureau. 

At present, Santander Bank reporting credit card balance of statement XXXX XXXX to XXXX XXXX to all credit Bureau. At XXXX credit Bureau credit report showing XXXX XXXX balance as today XX/XX/year>. 
Where Statement for the next month XXXX XXXX to XXXX XXXX already close but Santander Bank wait to REPORT this balance until next year XXXX XXXX to the credit Bureau . I guess bank not following Fair Credit Reporting Act. Santander Bank reporting my credit card balance every month use 60 days back statement balance, not current statement closing balance.so they always reporting after 60 days old balance. 
I like to know what date they will report the balance of my current statement which close on XXXX XXXX for the statement From XXXX XXXX to XXXX XXXX. They still did not report yet even today is XXXX XXXX. Statement for this month is close on XXXX XXXX and its 21 days passed but they do not report to credit Bureau. I believe they are breaking Fair Credit Reporting Act. Not following FECA ACT
Product: Debt collection

CONVERGENT OUTSOURCING HAS BEEN CALLING ME FOR OVER 2 MONTHS TO COLLECT A DEBT ON BEHALF OF XXXX FOR XXXX XXXXXXXX XXXX..OK I SPOKE WITH THEM ON XXXX XXXX2023, EXPLAINING TO THEM I'M HOMELESS, NOT WORKING, IN XXXX..I ASKED FOR A DISCOUNTED PAYMENT TO CLEAR BILL, SO IT CAN BE SETTLED..THEY AGREED TO THE SETTLED AMOUNT OF XXXX THEN I ASKED HOW LONG WOULD IT TAKE FOR IT TO BE REMOVED FROM MY CREDIT REPORT.. CONVERGENT OUTSOURCING TOLD ME IT WAS XXXX TO REPORT TO CREDIT BUREAU TO HAVE IT REMOVED ..OK, I CALLED XXXX ON XX/XX/XXXX XXXX TODAY, 2023, ONLY TO BE TOLD THE BILL ISNT SETTLED, AND I STILL HAVE A BALANCE OF $ XXXXTHE ORIGINAL BILL WAS {$260.00} THEY PLACED INTO COLLECTIONS..I SETTLED WITH THESE LIARS CONVERGENT OUTSOURCING, BY PAYING {$150.00} AS AGREED, NOW THEY ARE SAYING ITS XXXX I NEED TO SPEAK TO ... THIS IS NOT RIGHT..IF THE ACCOUNT WAS SETTLED FOR {$150.00} WITH THE COMPANY XXXX USED FOR COLLECTION, WHT AM I BEING TOLD BY XXXX THAT I STILL OWE THEM A BALANCE, WHEN THE MONEY WAS COLLECTED THROUGH A COLLECTION COMPANY .... XXXX AND THAT COLLECTION COMPANY IS DOING DIRTY TRANSACTIONS WITH CONSUMERS AND DON'T CARE .... CONVERGENT OUTSOURCING ARE LYING TO CONSUMERS THAT THEY ARE SETTLING ACCOUNTS WITH YOU ON BEHALF OF THESE COMPANIES, ONLY TO FIND OUT THEY ARE LYING AND REPORTING FALSE COLLECTION INFORMATION TO THE COMPANIES THEY ARE BUYING THESE ACCOUNTS FROM ... .THEY TOOK MY {$150.00} TO SETTLE XXXX ACCOUNT OF {$260.00}, ONLY TO FIND OUT THE ACCOUNT ISN'T SETTLED WITH XXXX... I HAVE COPY OF RECEIPT FROM BOTH COMPANIES..ITS FUNNY IT DOESN'T SHOW AS A SETTLEMENT ON EITHER XXXX OR CONVERGENT OUTSOURCING EMAIL OF RECEIPT...
Product: Mortgage

Dear Sir/Madam, I am refiling the same complaint that was closed because the same issues continue to happen. My initial mortgage company was XXXX XXXX. Now they sold the mortgage as of XX/XX/year> to Mr. Cooper. My house suffered wind/hail/tornado damage. My insurance company sent {$210000.00} cheque which is now with the mortgage. Insurance Claim Check center handles their loss department. They have horrible processes, difficult to follow, poor customer service and poor response rate and leaves the home owners to pay the bill and then fight to get reimbursed for repair costs that the insurance company has already paid for. During the middle of repairs now the mortgage got sold as described above and now the same insuranceclaimcenter on behalf of Mr. Cooper is wanting to restart the process. This has left me bankrupt as I emptied my savings to pay for repair while the insurnacecliimcenter aka loss dept of Mr. Cooper hangs on to all the money. I am drawing in debt and will default on my cc payments if Mr. Cooper does not release additional funds. I have submitted all documents, all photos of repairs that are or around 50 % complete and have run out of funds to keep repairing. They don't return phone calls, inspections get done but they don't release funds and it is horrible customer service follow through. Please do something to help customers like us who are in financial ruins. Here is the previous complaint filed by me " XXXX ''. Thank you for your kind attention and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my existing Equifax credit report there's currently an account-XXXX XXXX XXXX XXXX XXXX that is approaching the 7 year negative retention threshold. I have contacted Equifax on two different occasions and received contradictive information. The account 's date of first delinquency is XX/XX/2015 that said I would like to request early exclusion from this being negatively reported on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing this complaint because there is a debt collection company by the name of LVNV FUNDING LLC who is reporting an alleged debt without a license to collect in the state of Tennessee. I reside in the state of Tennessee and the require collection companies to have an actual Tennessee business license to collect. This company is also reporting misleading information on my consumer report regarding the alleged debt in question. They are reporting multiple notations of " C '' for Collection every single month. This is misleading and it breaches the law per the FCRA pertaining accuracy and fairness of credit reporting. This is a furnishing error per 15 USC 1681s-2. This company also implicates that communicate could be from an attorney as reported on my XXXX consumer disclosure report. That is also a violation per 15 USC 1692e ( 3 ). This company is ruining my reputation per 15 USC 1692d ( 1 ) because they are using abusive and deceptive means to collect the alleged debt. A violation per 15 USC 1692e ( 10 ). LVNV FUNDING LLC also utilizes a server company called RESURGENT. The use of research is misleading and perceived to be another deceptive way for LVNV FUNDING LLC 's attempt to collect. The FDCPA per Debt Collection Rule requires debt collectors to collect using their true name per 15 USC 1692e ( 14 ). This is a breach of my privacy per the Privacy Act of 1974 5 USC 552a. RESURGENT who is partnered with LVNV FUNDING LLC also uses a cartoon animated logo which is prohibited per FDCPA 15 USC 1692f ( 8 ) when they attempted to collect on behalf of LVNV FUNDING LLC. RESURGENT is also a collection company who is not licensed to collect in the state of Tennessee. These behaviors are illegal and are grounds for legal action per 15 USC 1692K.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying my first home. When I became aware of the Diversified Consultants / XXXX account for {$57.00} I paid it in full. 
Since then I began the mortgage process and was advised that because the account exists, paid or unpaid i wont be able to be approved. It seems that the existence of the account ON THE MORTGAGE side is costing me about 35 points. I contacted Diversified today and spoke to a rep and supervisor both of which told me that there was nothing that they can do, same as they told me before. The supervisor went on to explain that they dont even own the account which really got me to thinking Is it reasonable, that a collection agency, which doesnt even own a debt should keep me from being able to purchase a home for an account that is paid in full
Product: Credit reporting or other personal consumer reports

I am unaware of this debt I didn't have a proper opportunity to dispute this debt. I did not receive proper communication, if in fact you believe you have given me proper notification than please send me the certified receipt with my name and signature on it.
Product: Credit reporting or other personal consumer reports

Thank you for addressing some of the erroneous items in my credit file caused by inaccurate data. However, there are still items that need to be removed. This is a follow-up complaint regarding faulty credit reporting. According to Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days, provided : ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are inaccurate : XXXX : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5700.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> -- -- -- -- -- TransUnion : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5700.00}. This message is being sent certified to protect my rights. My research indicates you often fail to comply with this FCRA statute. If you do not remove these items, I will refer this matter to my attorney. You have four business days to remove the erroneous items from my credit file. I do not consent to XXXX or any automated verification.
Product: Payday loan, title loan, personal loan, or advance loan

While working with the lender I noticed there were additional fee 's I wasn't expecting. I was in a position where I needed to extend my line of credit and took out an additional loan later on. With this, I asked for reductions of the fees and during repayment I was receiving dozens of collection calls on day or or day after due dates. This went from 5 or 6 calls a day once or twice per week to 15-20 calls per day from random numbers. There were calls coming in often times back to back 7-8 times each and multiple time during the day. I cut all contact with the lender after asking that they stop calling me so often. I was told that this was automated and there weren't any settings they had that would stop this. I started blocking numbers at that point considering the calls were coming from XXXX CST to XXXX CST multiple times per day and each day of the week. The FDCPA specifically prohibits the consistent calling of customers. The 777 rule was enacted to prevent this harassing tactic.
Product: Checking or savings account

Navy federal been having my account negative letting all my pending charges pile up. Showing me the incorrect amount of available funds
Product: Debt collection

AES 's automated system does not give you the right amount. I have a recorded on XXXX/XXXX/15 that I notified the supervisor of that and she states they are aware it is incorrect but never said they were going to fix it. I recorded my phone call since I was paying my bill. They do not tell you that the calls may be recorded, I asked someone yesterday if my call was recorded, he said yes but never gave me the disclosure which is required. I want all negative marks removed because the reps also give an amount that is not correct, AES has committed fraud against me. They also tried to force me to get auto debit even though I wrote numerous letters telling them I am not interested. I WILL NEVER DO AUTO DEBIT WITH THIS COMPANY. NCT HAS NOT SUBMITTED PROOF THAT THEY STILL OWN THIS DEBT WHICH IS REQUIREMENT IN ILLINOIS TO COLLECT ON A BILL. AES CLAIMS THEY SENT IT TO ME BUT THEY DID NOT, I WILL KEEP COMPLAINING UNTIL AES IS SHUT DOWN FOR GOOD. I HAVE PAY LOTS OF MONEY TO NCT, THEREFORE I ONLY OWE THEM FOR LOAN # XXXX. NCT HAS NOT MEET THEIR BURDEN OF PROOF, THEY MUST SHOW PROOF THEY OWN MY DEBT AS OF TODAY. NCT SELLS LOAN IN INVESTMENTS, THEREOFRE THEY HAVE NO PROOF WHERE MY LOAN IS. AES IS A LIAR AND ENGAGES IN ILLEGAL BUSINESS PRACTICES. I KNOW WHAT I OWE AND I DO NOT NEED AES TO TELL ME THAT. XXXX XXXX IS STUPID BECAUSE SHE CA N'T READ BECAUSE SHE HAS NEVER FULLY ANSWERED MY COMPLAINTS, ALL OF HER ANSWERS ARE GENERIC. NO ONE FROM AES HAS CALLED ME TO DISCUSS ANYTHING WHICH THEY SHOULD. NCT IS A TRUST NOT A LENDER LIKE AES CLAIMS, I NEVER SIGNED ANY PAPERWORK FOR A LOAN WITH NCT. NCT IS A 3RD PARTY DEBT BUYER AND AES SHOULD NOT TELL PEOPLE THAT NCT IS A LENDER BECAUSE THEY DO NOT LEND MONEY, THEY ONLY PURCHASE STUDENT LOAN DEBT.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following 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
Product: Credit reporting or other personal consumer reports

I was told that I had to file a FTC report the website directs to CFBP was told to file as somthing else under ftc website will not let you copy the report just give you a reference number I have unauthorized inquiries I should have. XXXXXXXX I have attached the FTC REPORT NUMBER WITH THIS CFPB REPORT since website to file report no longer will take report and will not let you make copy of report when done under something else as told to do by Equifax supervisor spoken to under REFERENCE # XXXX