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

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I am contacting you because I received notice that the accounts that I have previously disputed have been verified. I am confused by this matter because these alleged accounts had and continue to have so many inconsistencies and inaccuracies. Please see the screenshots that I have attached that show such blatant inaccuracies. I do not know which of the bureaus are reporting the correct information, but each of you told me that the information has been verified. Under the FCRA any and all information that is being reported to my credit report must be 100 % verifiable and accurate. So now I am asking that your company provides me in detail the steps that were taken to investigate these alleged accounts. Pursuant to 15 USC 1681i, I am granted the right to ask for this information from your company, and your company must comply with my request within 15 days of receiving this letter. If you are unable to provide me with such information I kindly ask that you delete these accounts from my credit report, and provide me with an updated copy of my credit report which reflects these changes. 

Fraudulent Accounts XXXX XXXX XXXX I look forward to your companys prompt response concerning this matter, and thank you in advance for protecting my rights as a consumer under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

trans union, XXXX and XXXX  will not allow me to dispute error on credit file and will not correct error on file. this is an acct that was paid in full on XX/XX/XXXX for car that was paid in full that i have pay off letter and title for car. also i have a complaint file number XXXX in which XXXX  XXXX XXXX states that correction will be made. i sent all info attached to credit reporting agencies and they still refuse to correct this error. the XXXX XXXX XXXX acct number is Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$430.00} plus they continue to drop my credit score with no change on my credit report in retaliation to my dispute of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many many many accounts that are not mine I have not opened these or used or approved these I need help since the bureaus and the furnishers do not answer any of my emails letters or calls. This is identity theft. 

XXXX XXXX BANK USA N - Acct # XXXX Opened XX/XX/XXXX Amt {$330.00} XXXX XXXXXXXX BANK USA N -Acct # XXXX Opened XX/XX/XXXX Amt {$2100.00} XXXX XXXX BANK USA N - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX BANK XXXX XXXX Acct # XXXX Opened XXXX XXXX, XXXX Amt {$3500.00} XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$600.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$3700.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$9600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing this car loan verified but with XXXX it is not on my credit at all.
Product: Credit card or prepaid card

Because I filed a complaint ( XXXX ) regarding my personal loan issues Discover is now retaliating and not allowing me to use my Discover credit card. This is appalling and unacceptable! They worked in competence and when they elected to ignore the problem they created, I filed a complaint. They need to explain why they were not being truthful with your company and the previous complaint should have been resolved long ago. I made my payment on-time and my credit union have provided documentation that I have faxed over to Discover to prove their error. Now, why are they trying to prevent me from using my credit card? That personal loan account is up to date and all payments were made and are made in a timely manner, including my credit card payments. I am seeking a resolution to their bullying, not just any response. They have integrity issues just a response is not sufficient. 

Thank you.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
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 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

XX/XX/21 call XXXX XX/XX/21 call XXXX XX/XX/21 call XXXX to dispute 10 hard inquiries that are inaccurate reported XX/XX/21 XX/XX/21 XX/XX/21 call equifax about 3 hard inquiries that are inaccurate Sent a letter to dispute on XX/XX/21 no response
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I tried to ask for your help however I just got a letter in the mail stating that someone submitted a complaint under my name without identifying themselves.

What Identification documents do you need in order to proceed with the help I am asking about? 

I am attaching the letters I received from ya 'll and hope to get assistance to take a look at my case. 

XXXX XXXX
Product: Vehicle loan or lease

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " XXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account XXXX. {$8500.00} Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to find that XXXX XXXX XXXX has a Debt on my credit report that is erroneous. It states I have a balance of {$3500.00} as of XX/XX/2020. However Prior to my moving out the address in question my account balance was less than ( {$100.00} ) see attached. This is nothing more than predatory debt collector attempting to take advantage of people during the COVID-19 pandemic crisis.
Product: Student loan

RE : XXXX XXXX XXXX : XXXX XXXX. 
XXXX : XXXX Web : XXXX Correspondence Address : XXXX XXXX XXXX. XXXX XXXX XXXX, NE Zip XXXX I took out a student loan through XXXX in XX/XX/XXXX. Approximately 1-2 years ago the loan was transfered to XXXX XXXX. It was a horrible loan because the interest charged was 10.25-11 %. I needed the loan to complete my degree. I had a second loan with another student loan institution for 3 %. 

I decided in XX/XX/XXXX, to consolidate both loans through my credit union for 3 % interest. To complete the application process the credit union had me fill out an application. They also requested payoff letters from both student loan companies to be reviewed. The other instituition provided me with a payoff letter within 3 days. 

In XX/XX/XXXX, I began calling XXXX XXXX to request a payoff letter. Since then I have called their customer service department at least 15 times requesting a payoff letter. The representative ( s ) have been so nice each time when I requested but I never get a payoff letter all 15 times. If I receive anything it is mail saying they received my call or some other junk mail. The last time I called was XX/XX/XXXX, I was so angry I just was beside myself as to why they still have not sent me a payoff letter. I still have not received anything and I am worried my 2nd application with the credit union is going to expire because of no payoff letter from them. 

I have done everything I can -- - please assist me in this matter.
Product: Mortgage

This is a review below that spells out my complaint. Apologies as I was annoyed when I wrote it .... 

Unbelievably bad customer service. I'm a XXXX XXXX and have been around for XXXX XXXX and I thought I'd seen it all. Pennymac provided me with a forbearance on my mortgage for 3 months during Hurricane Ian. My house flooded and I spent {$30000.00} in repair work so it was a relief to be able to hold off on mortgage payments. When I first spoke with a rep about the forbearance it was my understanding that I could repay the missed payments over time. After the 3 months forbearance, I called to find out what my payments would be and the term. Basically what I got was a debt collection spiel and the runaround and someone was supposed to call me back. Never happened so I called again after 3 weeks and same collection spiel and I was told I needed to pay all 3 months back immediately. I asked to pay it over 6 months which would be a payment and a half each month and was told no. WHY ON EARTH WOULD I HAVE A FORBEARANCE IF I HAD TO PAY IT BACK RIGHT AWAY. THAT DOESN'T HELP AT ALL. They finally presented me with a 3 month option which I accepted but still puts me in a tough spot to come up with double payments each month. XXXX heartless! 

I just wanted to pay it back over 6 months. That's all. I've been a customer of theirs for 8 years now.
Product: Debt collection

I am writing to request the method of verification used in connection with the investigation of the dispute I submitted regarding the accuracy of the information on my credit report, as allowed under 15 USC 1681s-2 ( e ).

Pursuant to 15USC 1681s-2 ( e ) ( 7 ), I request that you provide me with a description of the procedures used to verify the accuracy of the disputed information, including the names and address of any third parties involved in this verification process.

I DO NOT WANT ANOTHER BILL OR COMPUTER GENERATED STATEMENT.

I expect your response to this request within 15 days of receiving this letter, as stipulated in the 15 USC 1681s-2 ( e ) ( 8 ). Your timely and detailed response will help me better understand the steps taken to verify this disputed information.

Failure to respond satisfactorily within 15 days of receipt of the letter may result in a small claims action against your company ; seeking {$1000.00} per non-compliance violation, per 15 USC 1681n, civil liability for willful non-compliance.

I reserve the right to pursue legal action under 15 USC 1681n to seek actual damages, statutory damages, and punitive damages, along with attorney fees and cost if necessary.
Product: Mortgage

We settled with SPS Select Portfolio Servicing for a short negotiated payoff and now they are reporting the wrong information to the Credit Bureaus, this need to be changed to Paid on our reports
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 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 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 has violated my rights And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I received a letter from Aspen National Collections and called them at XXXX XXXX on XX/XX/2020 at XXXX. I was told that I was I need to and was transferred to the representative for the account. Once I began to ask him question regarding the validity of the debt he started to raise his voice, and when I asked him why he was yelling he threatened to report the debt to the credit bureau without explaining the content of the debt. I called again and requested to speak to a manager, the person who answered the phone introduced himself as XXXX and informed me that he was a manager/supervisor. I asked him to send me an itemized bill detailing the debt, and told him that he should listen to the call and coach the previous representative as by law collection agency have to behave with business decorum he too started to tell me that I was angry to which I replied and asked him to not categorize how I was feeling. I also called XXXX XXXX XXXX resort at XXXX XXXX to inform them of the threatening behavior of the agency and informed that I will not conduct business with a company that threatened harm to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous inquiries listed on my credit report that I have no knowledge of. These inquiries were not authorized or initiated by me and was a result of fraud or malpractice.
Product: Mortgage

I am behind on my mortgage and I reach out to get help from my morgage company my husband not able to work he hurt and told them this they do not want to help or offer me a loan modification I ask for a forebearance to help me get cought up till my husban can return to work they said I can pay all the bills ( electric, water, my lot payment of {$330.00} and Mortgage at {$810.00} on just my pay and by food and gas. I really need some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft. I have numerous accounts on my credit that wasnt opened by me, please remove these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been reporting on my credit since XX/XX/2019. The amount is XXXX. I have sent several request for validation but they keep sending me a bill but not validating the account. It is affecting my score terribly and I would like for it to either be validated or removed.
Product: Credit reporting or other personal consumer reports

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 Dear Sir, Maam, Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

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

In XX/XX/XXXX, I was XXXX to XXXX, XXXX and forward XXXX to a hostile zone ( orders attached ) during that time XXXX XXXX XXXX reported that I had been late for a {$12.00} dollar credit card bill. I was not aware nor able to know that the bill was past due since I had no form of communication and did not receive a letter. In XXXX, the National Defense Authorization bill included updated language in the FCRA which " extends consumer credit protections to active duty armed and uniformed consumers to dispute adverse actions or inaction on their credit report that occurred while they were in a combat zone, aboard a U.S. vessel, or away from their usual duty stations. I had requested through XXXX XXXX XXXX to remove the item and through Experian and XXXX and XXXX however they said that the bank verified it was valid. the credit bureaus did not take into account the new updated fcra guidance and solely went off of what XXXX XXXX XXXX had reported to them.