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

In accordance with the Fair Credit Reporting act XXXX XXXX  Account number XXXX 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 with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX ACCT # XXXX, XXXX AND XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX HAVE ALL VIOLATED MY RIGHTS.

PER 15 USC 1681 SECTION 602A IT CLEARLY STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 IT ALSO CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

Basically, the debt has been paid and they can see that there was an error however the company is making me wait almost a month to clear the error. This is effecting my credit-worthiness for approval on related business.
Product: Debt collection

I have been on a payment plan with XXXX and XXXX for over XXXX yrs. Suddenly, there was an issue w my bank or the payments back in XXXX and XXXX and XXXX stopped taking money for the arrangement. 

Since then, nobody at the debt collector/ law firm, has attempted to contact me to let me know there was an issue on my account to allow me to rectify the issue. 

I suddenly received a letter stating Im being sued for the debt without any prior notice nor notification. I have been calling and calling and calling leaving messages asking for someone to call me back to rectify the issue and nobody has called me back. 

I spoke to someone today who told me dont you notice the extra {$200.00} in your account every month or what?! To which I found quite displeasing and subsequently the gentleman stopped allowing me to speak, kept interrupting me and hung up on me saying he will have his manager call me as he cant do anything. 

How can I be taken to court without notice, without due diligence and without the opportunity to have been put back on the plan or give them the new bank account number that I created to avoid these issues w the bank in the future. 

The firm has a bad reputation for taking people to court and no notice and garnishing wages without due process and this is happening to me and I am asking for help! 

Please let know what else is needed to rectify this issue and ensure that XXXX and XXXX are handled properly because they are violating so many laws!
Product: Debt collection

Chase is illegally and incorrectly reporting cancelled debt ( for XXXX credit accounts XXXX Chase is continuing to report debt cancelled as open account with debt still due to Chase to credit reporting bureaus XXXX XXXX XXXX and telling me this is still legal debt they can report and collect. This is wrongly and adversely affecting my report and score with accounts that are closed reported as open and balances due that are no longer due as the debt was cancelled. 

I defaulted on XXXX Chase charge accounts XX/XX/XXXX, Chase closed the accounts few months after and XX/XX/XXXX issued me XXXX Cancellation of Debt for each of these accounts. And in addition to this even the amounts became income and I paid taxes on it. They can not say they cancelled debt and then still claim it is open account with debt still due and report as current account and balance to credit bureaus. They ca n't have it both ways when they cancel the debt, it is then no longer debt owed, and that puts me in double jeopardy paying twice on same debt. 

I have been trying to deal with the credit bureaus and Chase for about a year now and it 's getting me nowhere they are handling this illegally and need to be stopped, and my credit reports need to be updated to have this taken off it is no longer debt. I have been able to get it taken off the credit bureau reports with explanation as above and submission of the XXXX. But it keeps coming back to the reports as Chase keeps reporting it each month and I have had to go through this process multiple times and need to have it stopped at the source, Chase should not be reporting this. Right now XXXX accounts are still showing as open with balance due on XXXX, best I can tell right now it is not showing on XXXX XXXX and XXXX but I have no way of knowing for sure I can only order report once a year and it could come back at any time on any of the reports as it keeps being re-reported.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report and noticed XXXX fraudulent accounts. Please remove these accounts they are stopping me from obtaining credit.
Product: Payday loan, title loan, or personal loan

I have been on XXXX since XX/XX/XXXX, I needed this loan to keep current with my bills after XXXX. The loan origination date of my loan is XX/XX/XXXX. I called XXXX today to check on on my loan balance and it turns out that after making every payment on time every 2 weeks for nearly a year I owe {$500.00} more than I borrowed. so I pay {$140.00} every 2 weeks, my original loan amount was {$3000.00} and I now owe XXXX this doesn't seem fair and due to my XXXX I am currently unable to work and these payments are strain on my ability to stay current with my other bills. Is there anything I can do about it. 
Please Help
Product: Credit reporting or other personal consumer reports

This company Credence Resource Management LLC has taken old, inaccurate and incorrect information ( {$4100.00} ) and used it to put a derogatory item on my credit report ( XXXX XXXX, XXXX  ). I do not owe this company any monies and have never done any business with this company!! They are in total violation of the current credit reporting legislation. I have been unjustly harmed due to this company 's egregious tactics. Again, this company has no record of me doing any business with them and they should be forced to correct my account with the credit reporting agencies expeditiously in a timely fashion! Thank for your help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( XXXX ). Specifically cashapp 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 resolve requirements under the Electronic Fund Transfer Act ( XXXX ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Student loan

On XX/XX/2023 I was informed MOHELA has placed an Administrative Forbearance on your account. I called on XX/XX/2023 to see why, and was told it was a processing forbearance. I have been on the standard/level repayment plan for over a month at this point and an auto debit under this plan was actually withdrawn on XX/XX/2023. This is the payment plan I requested to be put on after I was denied PSLF eligibility for my current employer. Mohela has no reason to place my account under this administrative forbearance and in doing so, has removed my auto debit and subsequently the 0.25 % interest rate deduction. Meaning I am paying and accruing more interest until this forbearance is lifted from my account, which I was told could take 45 days or longer. This HAS to be illegal placing someone on a forbearance against their will and STILL allowing higher interest rates to accrue. After being escalated to a supervisor, I was told it would be escalated to be removed quicker and still no explanation was provided why the processing/administrative forbearance was placed on my account when I was on the standard plan and did not apply for any other plan. Mohela needs to be investigated for predatory behavior and charging higher interest rates from forced forbearances. Furthermore, if an administrative forbearance was placed on my account on XX/XX/2023 according to the documents attached, HOW and WHY was auto debit still happening on XX/XX/2023? This makes NO SENSE.
Product: Vehicle loan or lease

XXXX XXXX XXXX Its a car Loan that I requested information on two times. I havent received any information. I disputed this a couple times. They picked the car up. I never got information to buy the car back. The loan was sold to gm from another company. I stop receiving information at that time. I requested the physical verification of the original signed consumer contract for the loan. I still havent received it yet. I was thinking section 609 ( a ) ( 1 ) Protecting me. 
The account is GM Financial account number 44406****amount XXXX Dont they have to remove it under FCRA?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because the companies listed have failed to respond to my requests to correctly validate the debts they are alleging belong to me. I sent a letter with documentation proving the debt is mine on XXXX XX/XX/2021 and have not received a response. I am aware that according to Fair Credit Reporting Act Section 611 ( a ), a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has been over 60 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.
Product: Credit reporting or other personal consumer reports

The company for months claimed I owed them {$5400.00} I kept telling them I did not. Months prior I filed an identity theft report with XXXX XXXX XXXX XXXX in XXXX, I told Discover that my information was compromised by someone who claimed to be them. They just kept giving me the runaround This is a conversation between myself and a supervisor wherein they admit to filing fake inaccurate credit reports, I maintained my calm but this thing had been going on for some time and they continued to make errors and promises to correct them but did not. 

XXXX video of Conversation between myself and Discover bank supervisor : XXXX XXXX XXXX I sent the documents required to have the false reports removed from my credit file, but months have passed and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted ChexSystems after being denied a free checking account with XXXX XXXX XXXX. I was told by the employees at ChexSystems they did not have the reason as to why. Upon their request I inquired with them for my report. Nothing show derogatory on the report and there is not explanation as to why XXXX XXXX would make this decision. I then emailed ChexSystems again asking for a more detailed explanation. I made the request over 2 weeks ago. I apologize I do not have the exact date of my second request. The original request was received the end of XXXX. My Consumer ID is XXXX. 

All I'm asking is for an explanation as to why I would be denied a free checking account. I currently bank with XXXX and am in very good standing. 

Thank you for your time with this matter, XXXX XXXX
Product: Debt collection

I paid my lasXXXX XXXX XXXX Bill only to be sent a collection notice from a third party.
Product: Credit reporting

On XXXX/XXXX/2015, I submitted a dispute online with Equifax to update my credit report that I paid an original creditor in full on a collection listing showing on my credit report. I also sent a letter dated XXXX/XXXX/2015 informing them of the same information. I paid the original creditor, XXXX, on XXXX/XXXX/2015, in full in the amount of XXXX, confirmation number of the payment is XXXX. Upon checking status of my dispute on XXXX/XXXX/2015, Equifax has updated the collection listing to show that the collection amount was 'Paid/Closed ' through the collection agency. I did not pay the collection agency, XXXX XXXX XXXX, I paid the original creditor.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX XXXX XXXX : # XXXX XXXX : # XXXX Open XXXX XXXX XXXX  : # XXXX has all 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

XXXX XXXX XXXX XX/XX/year> Still on credit report
Product: Credit card

I have been charged {$1200.00} to get the air conditioning of my car fixed XXXX XXXX  which is the shop that did not fix my AC and they charged me almost {$400.00} dollars gain but still hasn't fixed it When I take the car back to them they said to me it was gon na cost me another {$900.00} to get it fixed.I disputed it at least 4 times with Goldman Sachs they never ruled in my favor while i need the money get get my car fixed. I've been without AC in the heat of Florida for XXXX  months now and they keep charging me more and more money but nothing fix. This is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a social security number that does not belong to me. XXXX
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide valid verification and original signatures. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UD DEPARTMENT OF EDUCATION FOR {$1500.00} Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX 1XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I constantly receive email solicitation from XXXX XXXX to apply for their credit card. I am XXXX frequent flyer and I belong to their mileage club. 

I applied for the credit card and then I get rejected for no reason given. My current FICO score is XXXX. I applied for it twice over a year period or and both times they reject my application. As far as I know, I do not have any bankruptcy or delinquency in my past credit history. I have enclosed the rejection letter to this online complaint. 

It's is bothersome why this is happens to me. I have never had any issues with my credit and or getting other credit cards except from Barclay Bank which XXXX uses. 

Because I am not able to get the credit card and receive the benefits that comes with it, I will continue to have to pay for my check-in in bags each time I fly. To me this seems unfair and discriminatory since I have excellent credit. I would like to know on what grounds Barclay is rejecting my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/XXXX I became a member of XXXX XXXX and on XX/XX/XXXX I noticed there was an unusual debt collection from a non-familiar company called XXXX  XXXX on behalf of XXXX XXXX, I disputed the charge thru XXXX on the same day on XX/XX/XXXX and they completed their investigation on XX/XX/XXXX removing it from my credit report so I thought all was settled since they ruled it a fraudulent charge, then on XXXX of XXXX they send me a letter on the mail from another collection company called ERC on behalf of XXXX XXXX XXXX XXXX and on XX/XX/XXXX I responded to their letter stating that their collection did not belonged to me because I never had any equipment or services installed in my house and the last name on the account is not mine but that was not enough they sent me another letter directly from the XXXX, ID protection team requesting an affidavit for identity theft, a police report and copies of my identification and my signature which I was not too comfortable on doing since I thought they could fake a contract and use my documents but I did it anyways, so I thought that was going to clear everything since they could now see that my last name did not match the one on the account but to my surprise they sent me another letter on XX/XX/XXXX saying that this was the second and final notice to submit my claim of identity theft asking for the same documentation, I decided not to respond to this last letter and instead I decided to report this fraudulent charges to you, please help me in resolving this matter since I am not willing to pay for something I am not responsible for, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

A Creidito shows a hard inquiry, Alliance, CU. I have not filed for credit with above mentioned creditor nor gave permission for credit check. This impacts my credit score. Request this creditor remove themselves from my report.
Product: Credit card or prepaid card

COMENITY CAPITAL BANK OPEN A XXXX XXXX   CARD NO.XXXX. IT WAS REPORTING ALL BUREAUS, BUT NOW ONLY XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.
Product: Credit card or prepaid card

Receive a cordial greeting from me. 

My name is XXXX XXXX and I would like to report to your excellent forum, a particular situation that just happened to me with Citibank Master Card ( Sears ) account with account number ending in XXXX. My last payment to avoid purchase deferred interest charges it was until XX/XX/2020. For reasons beyond my control due to the health emergency that we are going through worldwide, I had the opportunity to complete it until today, XX/XX/2020. When I got access to the account to make the payment of {$32.00} I realized that the charge of {$480.00} for deferred interests had already been applied to me. I request an intervention in this regard because all payments were made on time and I find it totally out of my rights as a consumer. I appreciate in advance the support