23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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.

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. 

( THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHT TO PRIVACY ) XXXX XXXXXXXX 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

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 XXXXXXXX XXXX  Account Number : XXXX, Court : US BKPT CT GA XXXX Reference Number : XXXX, have 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 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 or 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: Debt collection

My complaint is that this company knowingly continues to provide unfavorable and harsh collection/reporting of my account to the consumer and XXXX major credit bureaus ( XXXX and XXXX Credit Reporting Agencies ) ; therefore, they are continuously violating both the Fair Debt Collection Practices Act ( FDCPA ) and The Fair Credit Reporting by misrepresenting the ( 1 ) amounts owed, ( 2 ) payment made ( 3 ) terms of account ( 4 ) fees ; thus, knowingly and purposefully reporting and providing XXXX incomplete, inaccurate, unreliable and missing information XXXX obsolete and outdated information that should no longer appear XXXX information that possibly reveal medical information XXXX incorrect notation in listing account as open when they are closed or accounts that a do not indicate " closed by me and not the creditors '' XXXX incorrect payment status XXXX more than XXXX delinquent date XXXX wrong notation for closed accounts XXXX failure to correct misrepresentation and accounts that have been remedied XXXX refused to investigate the disputes before continuing to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is volating my consumer rights. Experian responded to my CFPB compliant stating the following 1 of the disputed accounts reflects current/never-late status, and another disputed account displays no late payment history, as indicated by consumer. 2 disputed accounts do not appear on consumer 's report. this was from complaint ID XXXX Experian has stated they are looking into my reports while completely contradicting their own statement. This complaint will show proof that Experian will say and do anything while attempting to confuse and deceive consumers. 

I received a letter dated on XX/XX/2019 that was sent to me as an answer to this very complaint ID listed above. 

In THIS LETTER that I have attached to this complaint is showing accounts that Experian has said previously that was either removed or reporting as no late payments/paying as agreed. 

I sent another letter dispute to Experian and in THIS LETTER, Experian states that they WILL NOT investigate my reports. 

Experian claims that my reports are verified, per the FCRA I have a right to request the details of what Experian found in their investigation Experian WILL NOT provide investigation details, and wants me to conduct my OWN investigation giving Experian information instead of Experian providing me with requesting documents to prove accounts. 

At this point Experian is showing major violations within FCRA guidelines. 

1. Will not conduct a proper investigation.

2. Will not provide proof of any investigation. 
- verified does not show proof. ( Who/what verified? ) 3. Experian said accounts DO NOT appear on my credit report to do an investigation. ( Accounts ARE on reports- their own letter shows these accounts. ) 4. Experian has taken more than 30 even 45 days to conduct an actual investigation Pursuant to Section 611 ( a ) ( 1 ) of the FCRA.

Experian has VIOLATED my rights. I will also be sending this complaint to the Texas State Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX Account XXXX : XXXX, XXXX XXXX FIN Account Number : XXXX, XXXX XXXX FIN XXXX XXXX XXXXXXXX Account Number : XXXX XXXX 

I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.
Product: Vehicle loan or lease

I called Citizen 's Bank on XX/XX/22 and spoke with XXXX. I asked for a payoff amount and was told {$7300.00}. I asked her about the {$6800.00} I saw on the statement and was told it was for the principal only. I paid the {$7300.00} that day. 

On XX/XX/22 I received a statement from Citizen 's showing I have a {$74.00} balance due XX/XX/22. On XX/XX/22 I called and spoke with XXXX about the {$74.00} balance. He said that the previous rep gave me the incorrect payoff amount it should have been {$7300.00} and that's why I got a bill for {$74.00}. I explained that I paid what I was told was due on XX/XX/22. I asked to escalate the matter and was told that I could be on hold for XXXX XXXX XXXX XXXX XXXX XXXX  to speak with a supervisor. He said that it's still my responsibility to pay the {$74.00}. I said I will call back. 

On XX/XX/22 I phoned Citizen 's again and spoke with XXXX. Explained the payoff and balance due. I stated that since the call was recorded is it possible to speak with a supervisor to help resolve this issue. I was placed on hold. XXXX got back online and said that his supervisor listened to the call and determine that {$7300.00} is the correct amount. He said the {$74.00} could be from late fees or something. I asked for the supervisor 's name and was told that he couldn't give out that information. I asked how can I be sure if I'm getting the correct information. I called in only to receive different amounts to pay, being placed on hold and unsure if the recorded call was really reviewed by a supervisor that can not be named. 

I'm receiving different payoff amounts after the fact, the bank can not verify what the {$74.00} is for and my credit report doesn't reflect that this account has been paid in full. Please help me to resolve this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX are not my accounts. Also delete hard inquiries XXXX XXXX and XXXX Credit XXXX.
Product: Credit reporting

I want that charge off amount of {$300.00} to be taken off of my account with XXXX XXXX. I have paid up in full my monies due from the balance due.
Product: Checking or savings account

I began making calls to an LLC called " Certegy '' when after XXXX of doing business and writing checks for purchases in XXXX XXXX XXXX and XXXX, MT ( XXXX - use d to be XXXX XXXX XXXX without a single check writing incident that would have denied me the privilege of using checks as my preferred payment method ; suddenly ( beginning XXXX ) my check writing prompted a Drivers License check which denied me the ability to use my checks for payment. Store management accepted no responsibility for this unexpected denial of services, even though I have been in their store information data base for decades, gave me a lengthy printout, beginning with the phrase " we are sorry '' ... but check with this company called " Certegy '' for the answers you seek regarding your check dilemma. After 5 calls to Certegy between XXXX and XXXX whose content included empty, rehearsed apologies, verbal repetitions of " we're sorry '' but there's nothing we can do for you on our end to resolve your issues. The 3rd call with " XXXX '' gave the hope of resolution No resolution occurred. With each call more personal information was prompted from me ( including my SS # - the last 4 digits will not do - we need all the numbers, contact Drivers License issuer ( had a new license reissued just to be sure, plus additional conversations with the XXXX XXXX  who indicated the problem was not on their end. Certegy reps. used words like " mis keyed '' ( but not on our end ), and if you still have the problem we will " escalate '' our involvement. Never happened. I have case # 's, transaction numbers, names of each representative spoken with, dates, notes taken during calls ( these people, Certegy, offer no e-mail, text, or confirmation of dialogue, and contact in any form ). With each call a new case number is given, and that new contact does not lead to furthering an informed or beneficial outcome for the petitioner. I finally did some on-line research regarding their function and reputation, and with my 5th call asked for my " Consumer Credit Report. '' Haven't received it yet ( XXXX petitioned for it ). Certegy, for myself, is like a shadowy, background menace that hovers in ones life, unknown, but hugely influential. Once encountered for reasons known only to them and their information data base the experience becomes labyrinthine.
Product: Student loan

To whom it may concern, I submitted a request to FedLoan Servicing to update the number of qualifying payments I have made towards my public service forgiveness program. They keep denying my request to update despite me having provided the required information. ( see attached documents which clearly lists my employers name and address, the fact that I am still employed at the organization and the date the document was signed by my HR department ). Additionally, the first letter that I received from FedLoans stated I was only missing the name of the institution. After this information was added and the document was resubmitted suddenly more information was missing from the exact same document I had initially submitted. This does not make sense. I had to file a complaints last year to get my number of qualifying payments updated. This company does not want to provide their customers with something as simple as providing the accurate number of payments an individual has made towards a forgiveness program. 

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

This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX # XXXX, XXXX XXXX XXXX # XXXX, MEADE & ASSC
Product: Credit reporting

I applied for a card with XXXX on a " pre-screened & approved letter ''. I was then told that I was denied due to reports from Experian, and XXXX, XXXX. I tried to contact both of them, both refuse to even respond to me, nor was XXXX. These firms know they have wrong credit information, and Experian did send me one letter stating I had to supply information that XXXX XXXX XXXX gave them, doing so just to update their credit records, and report they did nothing wrong. Their actions have done me a great deal of harm, and stopped me from getting medical equipment needed for my mother in XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Student loan

I have contacted Navient numerous times. I went to XXXX XXXX XXXX XXXX XXXX Indiana. I graduated in XX/XX/2007. My interest rate is now 15.5 %. I filed bankruptcy on this loan. They stopped pursuing collections for over 2 years then came back with capitalized interest from during the bankruptcy process. I have paid over $ XXXX for a loan that started out as $ XXXX. This debt was discharged in bankruptcy.
Product: Mortgage

I was hit hard by COVID, selling assets to bring my loan current in XX/XX/2021. I contacted my servicer Flagstar for options and was told for a loan modification, my loan must be delinquent and to not make my next payment. I did as instructed and re-contacted for a loan modification. I went thru the process and was informed I would receive an overnight package with term options. No formal underwriting was required and Id met the guidelines. I received nothing.I contacted the servicer and have had to repeat the exact same process more than 5 times. 8 months have passed. At last contact the employee stated I was the one causing my loan to be recoded out of loss mitigation process by logging onto the website. Their recording states, IF Im in the loss mitigation process I dont need to do anything. Then I receive a letter saying, we have received your notice that you are resuming your mortgage payments. Employees have assured me, due to my status and COVID requirements, the modification would be 4-6 weeks. Im now at 8 months and recently received a full application for a loan modification to include taxes, financials etc, after being told several times my loan was in underwriting to reduce my loan payment. I believe the delay was intentional to wait out COVID requirements, so they can foreclose. I have a decent amount of equity and homes are selling within a day of hitting the market. Ive stressed my situation repeatedly. Last year, their tone was gracious and helpful. Now, its abrupt, rude, collection calls and Im very afraid I will lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle a fraudulent, incorrect, and unverifiable account that is kept to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

The company name is Cash app there cash out service is by Square Inc. in XXXX XXXX I did my first cash out the amount of {$750.00} linking my bank account from XXXX to the app. Looks like this was successful but never reached my bank account. Tried again in XXXX XXXX for the amount of {$500.00} but never got to my bank account, verify and double check bank account number and routing and contacted Cash app support they opened a case and gave me the transactions numbers to reach out to my bank XXXX for them to open a investigation. On XXXX they couldnt fine any transactions for this numbers, when verifying all information in the Cash app side they linked a random card number to my bank account. Contacted my bank and asked if from my closed cards I have anyone ending in that and they we have no records of a card with that ending numbers for you. With the bank determination I reached out to cash app to escalate the investigation but the result was the same even when I told them theres a problem with a card you linked to my account and is not mine have never been, I never added a card to this app only linked it with my bank account. I have all proof of transactions, messages, emails and letter from cash app, bank and the cash app activity. Cash app refuses to keep looking after their decision and are not willing to give me a trace number of the transactions so my bank can look forward because the transaction numbers are not appearing for them. XXXX said that they are able to find the trace number of 15 digits in the back end but Cash App denied to have access to some that that is not the transaction ID number. How is that after this two transactions they fixed the card number and all cash out went directly to the bank account. They didnt want to admit that they send it to a card they just linked there own, because before this I never used any outside cards or bank accounts to this app, I only used to receive money and used the cash card that they provided to used the money in the app like a debit card.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to all ( 3 ) of these credit reporting agencies who has failed to respect and correct my request to correct and delete inaccurate information from the report they are furnishing.

None of these accounts or creditors has provided with proper disclosure of 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods. Therefore, there should never be any reporting of private information, transactions, or income on consumer reports per 15 U.S Code 1618 ( 2 ) ( i ). This company is reporting is my private business which has no permissible purpose per 15 U.S Code 1681b ( a ) ( 2 ). 

I request that my state ID reflect my only address that's reachable to me per United States Postal Services. 

Furthermore, for the following violations listed below and as a result to not remove inaccurate information. XXXX is in violation of the following : 1. 15 usc 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information 2. 15 usc 1681e ( b ) - Compliance Procedures Maximum Possibility Accuracy 3. 15 usc 1692e - False or Misleading Representation 4. 15 usc 1692c - Identity Theft 5. 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third party 6. 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods 7. 15 usc 1635 - I always have the right to recission 8. 15 usc 1681b - inaccurate false reporting 9. 15 usc 1681e ( b ) - Collection must be 100 % accurate across all ( 3 ) reporting agencies 10. 15 usc 1681b ( a ) ( 2 ) - Permissible purpose of consumer reports PLEASE SEE RECENT DISPUTES AND EXHIBITS WHERE VIOLATIONS AND INACCURUCCIES ARE FOUND.

*THIS IS AN INITIAL CEASE & DESIST ON THE ACCOUNTS THAT'S MENTIONED, COLLECTIONS, CLOSED ACCOUNTS INQURIES. : Delete these ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX keeps reporting on a debt thats 8 yrs old and threatens to take me to court to sue me for that debt. The statue of limitations has passed, I 've disputed the debt, it was removed and then they reported it again and now it 's back on my credit reports.
Product: Vehicle loan or lease

I AM REQUESTING HELP WITH THIS MATTER I HAVE TRIED TO MAKE A COMPAINT WITH THE XXXX ABOUT THIS MATTER. I WAS GIVEN THE COVID 19 RELIEF PROGRAM WERE BMW FINANCIAL SERVICES SAID THEY WOULD DO A DEFERMENT ON MY PAYMENT BECUASE I WAS XXXX XXXX XXXX XXXX AND WAS UNABLE TO WORK AND MY WIFE TOOK XXXX ALSO. I WAS IN CONTACT WITH A REPRESENTATIVE THERE AND SHE TOLD ME TO STAY IN TOUCH AND PAY WHAT I COULD, WHICH I HAD CONTINUOUS COMMUNINCATION WITH THEM AND WAS TOLD THAT REPORTING WOULD BE PUT ON HOLD AND THEY WOULD DEFER MY PAYMENT AND CREDIT REPORTING WOULD RESUME IN XXXX. I MADE A {$2500.00} PAYMENT AND ANOTHER {$1500.00} PAYMENT WHICH WAS SENT BEFORE XXXX. 

ONCE XX/XX/2020 CAME I MADE MY NORMAL PAYMENT AND THEY REPOSSESED MY CAR AND TOLD ME THAT I WOULD HAVE TO PAY {$12000.00} TO RECEIVE THE BMW BACK, THEY NEVER DEFERRED MY PAYMENT THEY DEMANDED THE PAYMENT ALL AT ONE TIME. 

I WOULD LIKE HELP WITH THIS MATTER BECUASE THEY USED FRAUDLENT TACTICS AND LIED AND LED ME TO BELIEVED SOMETHING TOTALLY DIFFERENT. 

REPSPECTFULLY XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I paid a vendor for a service in XXXX of XXXX for my wedding. I used XXXX because thats what he requested but the service wasnt rendered how it was supposed to. He was supposed to refund me and never did and when I reached out to Zelle and my bank XXXX XXXX  they both told me it was a lost because once the money is sent its gone. They failed to do an investigation and the lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.