23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I have a secured line of credit with Regions Bank and they are incorrectly reporting to my credit that I have a past due balance of {$31.00}. The account number is : " XXXX ''. I paid this account off months ago in person at my local Regions Bank and to this date, they have not updated my account to show it is paid in full. They have been reporting that I have been 30 days past due since XX/XX/XXXX and this is devastating my credit report. I brought this to the attention of a branch manager at my local Regions and he told me my account is paid in full so I do n't understand what is happening! The branch manager 's  name is XXXX XXXX XXXX, his phone number is XXXX and his email is : XXXX. I need this to be resolved as soon as possible because late payments are being added to my credit and I have already been told numerous times that there is no balance on my account. I am including a screenshot from a recent report which shows how Regions is incorrectly reporting that I am late on my credit. I am trying to build good credit history and mistakes like this are setting me backwards!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2023 I was trying to remove the fraud alert from Equifax, after calling 3 times and providing the copy of my DL and SSN by Fax they still saying that there are nothing on my credit. After reading dozens of reviews about Equifax and people with the same issue I decided to file a complaint in order to get my credit lock from Equifax. They are hurting my credit score and also blocking me to apply for a new var loan. 
Please I need resolved as soon as possible. 
Thank you for your help.
Product: Student loan

Upon checking my credit score I noticed a school loan appeared on my report from a company named Loan to Learn ; However this is not my account I did not co- sign for this and garnishments are being taken out of my paycheck. There 's been a 20 % garnishment that has been taken out of my paycheck each month for the past year, not even a 15 % garnishment which is the legal amount for Florida. I have tried to contact this company several times and now the company is no longer in service. Several complaints have been brought up against this company for fraud and I 'm afraid I am a victim in this matter. I have also contacted the HR department for my company and they do n't even have any information about what the garnishment is for and where the money is going to. My next step will be to contact the IRS, Credit Bureaus and a lawyer.
Product: Credit reporting or other personal consumer reports

I contacted Penfed credit union on both XXXX and XXXX to remove incorrect information from my report showing that my accounts were in collectoins/chargeoff. They assigned the following case # XXXX and never returned my calls or Emails. 
These accounts were included in a XXXX  XXXX Bankruptcy that I filled in XX/XX/year>. 
I have disputed these also with all three-credit bureaus. Each time they still come back with the same incorrect information showing collection's/chargeoff. 

In closing, could you please help to have this incorrect information corrected. 
Thank you for your time and trouble. 













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Product: Credit reporting or other personal consumer reports

I have been having a problem with fraud and I have reached out to the credit bureaus for a resolution and I havent received one. I provided everything they asked from me and I havent received a response.
Product: Credit reporting or other personal consumer reports

There are billing mistakes on my credit report, including incorrect late payments. Please revise and reflect accurate records.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I went to a website to get all three of my annual free reports from Transunion, XXXX and XXXX. This is the website : https : //www.annualcreditreport.com/index.action. 

After successfully inputting my personal information into the website 's portal, the Transunion prompt was the first to begin and it ask me some other personal information. 

Transunion prompted me to verify my identity with a text message and code so I did. I received the code and entered it into the website. After pressing continue a message reported that it was unable to complete my request. I have attached this error message. Because Transunion was the first report, after the error message there wasn't any way for me to continue on to the other reports that I could see. 

This activity has seriously impacted my ability to monitor my reports for fraud and the accuracy of the information contained within them within a reasonable amount of time and further without having to wait weeks and sometimes even months to receive a paper copy of the report.
Product: Mortgage

Back in XXXX of this year, Seterus XXXX opted me into a coupon program and stopped providing me with online statements. I had been paying on their website at the time and was retrieving my statements online. I did not ask to be opted into the " coupon '' program. I called in XXXX to have this resolved and was told that they were sorry. Then they opted me out of the coupon program and said I should be able to view my statements online. Subsequently I stopped receiving statements of any kind. I no longer received the paper statements by mail and was still unable to view statements online. On XXXX XXXX I called again and was told they found the problem and my XXXX statement would be available. I called on XXXX XXXX and was told that the statement had n't been issued yet and to call back in a few days. I called on XXXX XXXX and was promised a call back. I never received a call back. I called in again on XXXX XXXX and was told they had reached out and to check back in XXXX. I have asked to speak with a manager on multiple occasions and they have refused. To make a long story short, I 'm extremely frustrated. Calls to Seterus are getting me nowhere. I have spoken with XXXX at ext. XXXX and XXXX at ext. XXXX among others. I believe if I 'm paying them they have to provide me with a statement but they are unable or unwilling to provide this statement.
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 violates the consumer financial protection act ( CFPA ). Specifically, Cash App failed to 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 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

n accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Your reporting inaccurate information on my credit report, this is the second time im mailing you this account is in violation of my right s ACC- XXXX XXXX # XXXX, i did not open this account or have ties to it as transunion failed repeatedly in doing an accurate investigation and removing this account from my report, because this account was removed from my report and was put back as charge off i have evidence showing the account got removed then put back on my report this is against the law and my rights i've sent in proof showing my State ID with my information on it and other proof as you requested but you still refuse to delete the account off my report, you are furnishing outdated and irrelevant account ( CHARGE OFF/ CLOSED ACCOUNT ) on my report on the promise that the credit report is supposed to be accurate 15 US C 1681 b, speaks on the relevancy of the consumer report and the obligation you have to report accurate information, which means your in violation of reporting accuracy and fairness of my credit report you must delete this account. You have damaged my reputation my character and my mode of living, this information needs to be deleted
Product: Credit reporting

I have XXXX hard inquiries on my credit report that were not mine. I have previously called the companies and also contacted the credit bureaus. I have had no response and the negative information is still on my report. With both false inquiries, incorrect addresses were used, too. The inquiries I am speaking of is the XXXX and XXXX inquiries. I need to have these removed as my credit is negatively impacted by these errors/identity theft usages.
Product: Debt collection

I DO NOT OWE ANY DEBT. I HAVE NO CONTRACT WITH THIS DEBT COLLECTOR. 

PLEASE HAVE THEM PROVIDE EACH AND REQUESTED DOCUMENT IN MY DEBT VALIDATION LETTER. 


ALSO THEY ARE TO SWEAR UNDER PENALTY OF PERJURY THEY WERE PRESENT DURING THE DEBT. 

AT THIS TIME OF DISPUTE THEY ARE TO CEASE ANY REPORTING TO ANY CREDIT REPORTING AGENCY. 

THEY ALSO ARE REPORTING INACCURATELY ON MY CREDIT REPORT WHICH HAS CAUSED ME MENTAL ANGUISH AND AFFECTING MY LIVELIHOOD.
Product: Credit reporting or other personal consumer reports

I was a consumer with Lexington law firm back in XXXX  dealt with them 6 months and I felt like all they did was take my money and didnt do there job
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit reporting agencies randomly started showing a XXXX XXXX XXXX account that was closed 4 years ago as current and missed payments and have tanked my XXXX XXXX. I keep reporting it and they approve the removal but it keeps showing back up a couple days later. This puts people 's livelihood in danger and is putting me an incredible financial hardship. Please investigate TransUnion and Equifax and figure out why they are doing it. I am not the only person I know dealing with inaccurate information that they refuse to address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX, has violated my rights. 

XXXX. XXXX, XXXX XXXX, has violated my rights. 

XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

My employer received an wage assignment via fax on XX/XX/22 that they were to start garnishing my wages within 10 days to pay off {$690.00}. I was notified by my employer and sent a copy of the notice on XX/XX/22 that they would start garnishing up to 15 % of my wages beginning on my XX/XX/22 check. The wage assignment faxed to my employer did NOT have my correct work location but had one that is closest to my home. I contacted XXXX XXXX who was the company who sent the wage assignment and asked why I hadn't received anything via USPS prior to the wage assignment being sent to my employer and that I want something in writing via USPS and verification I owe this debt. They stated they sent it via email prior to the wage assignment which I never received. I asked if they had a judgement and they stated they didn't need one. On my XX/XX/XXXX check, an additional {$200.00} of wages exceeding the amount they stated I owed had been garnished from my check and have not been returned to me. The final amount should have been {$55.00}. I have contacted the company several times and was told they would refund the {$200.00} to my employer which has not yet been received. I made my final attempt to collect my refund on XX/XX/22 and was told they process refunds on the XXXX and XXXX of the month which was never disclosed in any previous conversation when I asked about the overpayments and when/how they would be returned to me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered multiple inaccuracies that are negatively impacting my credit profile. These errors include unauthorized credit inquiries, an incorrect derogatory account. These inaccuracies are misleading and must be corrected immediately to ensure my credit report accurately reflects my financial history. 
Under the FCRA, credit bureaus must complete an investigation within 30 days. I demand written confirmation that these items have been removed or corrected. Failure to comply with federal law will result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals Office.
Product: Mortgage

My Loan has been closed with Dovenmuehle Mortgage for over 2 years. I received a letter from California State Controller XXXX XXXX advising me that I had a credit balance with their company for {$1400.00}. The letter advised me to contact their customer service to retrieve the funds owed to me. 

Starting in early XXXX of 2022 I begin to contact them. From the start I was given wrong information and transferred to various departments. Initially I was told a check was being mailed and nothing else had to be done. After waiting a few weeks, I called back in and they told me I had to email them the letter from XXXX XXXX, Which I immediately did. I waited a few weeks and called back and they said they did not receive it, So the rep on the phone had me send it to her directly when we were on the phone. She confirmed receipt back in XXXX and said the check would be sent out within a week. 

I called to check on it last week and they said they no record of my request. 

I have made over XXXX calls now and spent over XXXX hours on the phone with this company trying to collect money that is owed to me.
Product: Credit card or prepaid card

Received two letters with action from Chase Credit Services on XX/XX/2023 and XX/XX/2023, saying to protect my personal information. It said the Chase staffs are concerned someone may be using my personal information fraudulently and declined an application because of this. It said that identity theft happens when a criminal gets my personal information and tries to steal money from my accounts, open new credit cards, apply for loans, rent apartments, and commit other crimes all using my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion on three occasions about reporting inaccurate information on my credit report. I Furthermore have requested them to send me verification of the Debts and sign documents stating that these accounts do belong to me .During their investigation, they stated that they verified the accounts from a third party reporting agency .In particular reporting on my credit report is a { Bankruptcy } that I am trying to verify legally and look over the documents. 
The Federal Court stated to me, " that they do not sale or send information to third party companies such as the credit bureaus '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX XXXXXXXX XXXX # XXXX To Whom it XXXX Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Debt collection

On XX/XX/XXXX I received several calls from two different XXXX XXXX. The first was from Midland, formerly XXXXXXXX XXXX. I told XXXXXXXX XXXX XXXXhe first time they called I could not receive calls at work that the numbers they had listed was for work purposes only. I asked them to remove the number, it wasn't even to my area. I received a call from a gentleman on the XXXX  weeks later. I answered the phone with the with our company name as required. He asked for me and said who he was with. I told him to removed the number this was a number he shouldn't ever call. At this time I was surrounded by team members. He said he will remove the number but since I was on the phone he wouldn't take long. He began telling me this was in reference to a legal matter. I tied stopping him without alerting the team members around me what the call was about but he continued on for several minutes and I eventually said please remove my number and hung up. I went to lunch and when I returned a Manager in another department asked me if I received my phone call it seemed important when I returned to my area my coworker was on the phone telling someone I was at lunch. When she sat down she told me I had several calls from an attorney in refence to a legal matter. When I looked on the caller ID there was another call from Midland and a call from XXXX XXXX XXXX XXXX She told me they keep calling and I better go handle it. I had to leave work early and I was so embarrassed, I still am. I called XXXX XXXX and at she said she never said that and later in the call she denied even calling but the number is in the caller ID. By the end she said it must have been the legal department. When I called Midland they sent me from person to person and refused to even take a complaint just saying sorry for the inconvenience. They even attempted to discuss the debt rather than give a supervisor. Finally I got someone who said she was a supervisor and claimed she took a complaint but I don't think she did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one has retaliated against me again. This time using various " capital one " entities to drop my credit rating XXXX points to XXXX. Previously XXXX has been debited illegally and left as negative for the refund and subsequent false debits. XXXX
Product: Debt collection

I XXXX XXXX XXXX dispute and require immediate removal of the collection item entered on my XXXX Credit Report by Credence Resource Management , LLC. 
At no time have I given prior consent expressly to the debt collector Credence Resource Management , LLC to communicate with any third party regarding this debt, and a third party includes communicating with any credit reporting agency or service. 
Specifically, 15 U.S. Code 1692c ( b ) - Communication in connection with debt collection prohibits any third-party debt collector from communicating with anyone other than the debtor or the debtors attorney or any court of competent jurisdiction. 
Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
Therefore, because the applicable statutory provisions requiring obtaining consent from the debtor to communicate with any third party were not followed, the debt collection of Credence Resource Management , LLC must be permanently deleted from the credit profile
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 the FTC report. Since it is a necessity by regulation XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX