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 Account XXXX XXXX XXXX # XXXX. {$11000.00}. XX/XX/XXXX XXXX XXXX. # XXXX {$0.00}. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. {$17.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. {$0.00}. XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX. {$2400.00}. XX/XX/XXXX XXXX5 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

I generally let people walk over me you could say I've had some issues with some XXXX sounding Apartments the only apartment that I've ever lived in with a XXXX name because I stay with my sister and my father before that and never rented a place except for a XXXX XXXX which was unsafe and they gave me my lease deposit back without any damages to my rental history long story short there's an XXXX XXXX XXXX I stayed there on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the rest of my life I've lived in XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  back in XXXX my XXXX dropped 40 points it has now dropped another 40 something points in my experience has dropped 40 points so now I have a XXXX XXXX from a XXXX I was going to transfer my debt into a interest-free account due to the improve credit which I had responsibly built up over the last several years to just be destroyed I'd appreciate your understanding and aggressively approaching this manner to fix my life I'm a young man I'm XXXX years old and pressing for time when it comes to being responsible as an adult I need not irresponsible thieves ruining my life thank you so much for all your help I would like my fair credit back in order, at this point I couldn't purchase a candy cane
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against Equifax for reporting inaccurate information on my credit report. They reported that I have a late payment on XXXX XXXX XXXX in XXXX, XXXX when I have paid the account off on XX/XX/XXXX, This is my first step to taking this matter seriously because it seems to be getting ignored again and again.
Product: Debt collection

According to 12 CFR 1006.34 ( b ) ( 5 ), during the validation period, a debt collector can not engage in any collection activities that overshadow or are inconsistent with the disclosure of the consumer 's rights to dispute the debt.
Product: Debt collection

The Company in question is XXXX XXXX XXXXwho garnished {$180.00} from each of my weekly payroll. They claim until the amount of {$3000.00} is paid for judgement against me in XX/XX/XXXX for a debt bought from Santander for a delinquent auto lien on a repossessed vehicle. The garnishment took place on the payroll of XX/XX/XXXX and the XX/XX/XXXX. The problem is this debt was legally settled through another collection agency XXXX XXXX & XXXX on XX/XX/XXXX. I was contacted on XX/XX/XXXX by my parents that XXXX XXXX & XXXX called in reference the delinquent auto account from Santander. The reference number is XXXX and account # XXXX. They advised it was a attempt to collect a debt from Santander and gave me three options to settle. The settlement options I believe were a 12 month payoff of {$5000.00}, a XXXX payoff for 6 months, or to pay off immmediately for {$1000.00}. I agreed to settle for {$1000.00} and under contract they gave me until the XX/XX/XXXX to pay it in full. On the XX/XX/XXXX I noticed I was garnished for {$180.00} by another agency XXXX XXXX XX/XX/XXXXin referecnce the same debt. I was furious and notified XXXX XXXX $ XXXX in referecnce the garnish and they stated that Santander have used another creditor in addition to them. I said that breaches our contracted agreement and asked will this end the garnishment that came after we agreed to settle. I was advised it takes 60 days before it clears through all the credit bureas so I paid {$820.00} which they agreed upon due to the {$180.00} garnishment applied for the same debt. Even after paying I was garnished again on the XX/XX/XXXX so I tracked down the contact for XXXX XXXX XXXX XXXX XXXX and XXXX. He is claiming the two firms do not know each other and he will not accept the letter of settlement I sent him, because he owns the delinquent account bough from Santander. XXXX XXXX XXXX claim the same account and instead of garnishment opted for settlement. Somone is a fraud but both to have claim legal right to the account. I am now being garnished for the settled debt by XXXX XXXX. Now XXXX XXXX is rollingback on the settlement and refunding the money but I am still being garnished by XXXX. I am not at fault here I paid the debt under legal terms. Both claim ownership on their own terms, but stated to be lawful. I am caught in between for a debt contracturally settled. XXXX XXXX and XXXX have grievance against Santander for double selling the debt contract not with me. I did not agree to accept a refund for this legally settled debt, I am no longer liable. I need XXXX to cease garnishment and pursue Santander or XXXX XXXX for settlement. I am not paying twice for the same account and XXXX now is trying to charge me more than what I had already settled for. 

Contacts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Case # XXXX XXXX XXXX XXXX XXXX & XXXX XXXX   ext. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not knowledgeable of any of these inquires and never authorized these companies to pull my credit. On XX/XX/2022 I called XXXX and XXXX in on XX/XX/2022 XXXX directly in received no help. Each company suggested I dispute directly with the companies, or file a complaint with FTC, and or file a police report. I have reached out to these companies by phone and neither one could provide me any information on where the information came from. Please see below inquiry from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

THEY WERE NOT ABLE TO PROVIDE ME WITH THE VALIDATION OF DEBT WITH THE ORIGINAL CONTRACT
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appears on my credit report even after your investigation and reinvestigation. The payment history is INACCURATE, I have contacted XXXXXXXX XXXX  personally and was advised that they did not have any information in regards to the payment history for these accounts, and therefore I am demanding documentation on how your company was able to verify these accounts. If you can not produce this information I DEMAND YOU DELETE THESE ACCOUNTS IMMEDIATELY. Your neglect in properly handling the verification is a violation of my consumer rights. 

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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : GENESIS CRDT XXXX {$5600.00} XX/XX/year> 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX {$5600.00} XX/XX/year> INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Agency did not send written notice of debt Agency made repeated harassing phone calls
Product: Credit reporting or other personal consumer reports

The reporting agency has failed to fulfill it's legal obligation under the FCRA to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against the reporting agency, alleging systemic issues such as failing to forward consumer-provided evidence or denial of validation, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where the reporting agency has neither corrected nor removed the errors and fraudulent activities issued in my name, causing ongoing harm to my credit standing. I am requesting immediate removal of the disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To provide some context, I have thoroughly reviewed my credit report and discovered numerous inquiries and accounts that I did not authorize or have any knowledge of. These items have negatively impacted my creditworthiness and have caused significant distressed inconvenience in my personal and financial life. It is worth noting that these fraudulent entries are clearly not reflective of my credit history and are therefore erroneous AND misleading. Moreover, it is important to note that these inquiries and accounts have bee reported without a permissible purpose. According to the FCRA, credit inquiries AND account reporting must be conducted with a legitimate reason, such as in connection with accredit application or account review initiated by the consumer. In this case, I have neither applied for credit nor requested any account activity that would justify the presence of these items on my credit report. The unlawful reporting of these fraudulent and unauthorized inquiries and accounts not only damages my creditworthiness but also exposes me to potential financial harm. It is imperative that you take immediate action to rectify this situation and remove these inaccurate and unauthorized entries from my credit report. I request that you conduct a thorough investigation into this matter and provide me with a detailed explanation of how such erroneous information was allowed to appear on my credit report. Additionally, I expect a prompt resolution, including the removal of all fraudulent and unauthorized inquiries and accounts, as well as a written confirmation of the correction made. Please be advised that the FCRA provides consumers with certain rights and remedies in cases of inaccurate and unauthorized credit reporting. I am prepared to exercise all available legal options, including filing a complaint with the Consumer Financial Protection Bureau and seeking appropriate legal redress, if necessary, to protect my rights and ensure compliance with the law. I trust that you will treat this matter with the urgency and seriousness it deserves. I expect a prompt response within [ reasonable timeframe, XXXX days ] from the date of receipt of this letter. Failure to address this issue adequately may result in further legal action. I strongly urge you to rectify this violation of my consumer rights promptly and to take all necessary steps to prevent such incidents from occurring in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment information on my XXXX XXXX XXXX  is not being recorded by Equifax as it is on XXXX  and XXXX. I have contacted XXXX XXXX and they have reviewed and confirmed that the information has been given to Equifax since XXXX of 2012 as it was with the other three agencies. I disputed this with Equifax and they are saying XXXX XXXX is not reporting the information. For some reason XXXX XXXX information is accurate at the other two so why would Equifax be any different. I have attached my Equifax and XXXX  payment logs for proof of what I am saying is the case.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( block , inc ) due to fraudulent and unfair practices which violates the consumer financial protection act. 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 resolution requirements under the Electronic Fund Transfer Act and regulation E. These actions has caused significant inconvenience and financial loss even got my account closed and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
Product: Debt collection

Eastline Lending contacted my employer in XX/XX/2022 and sent a wage garnishment for an apparent debt. I contacted this company and was informed it was a mistake and I had no debt with them. Now another company... XXXX XXXX contacted my employer in XX/XX/2022 for Eastline Lending trying to garnish my wages again. My employer has already asked them to cease and decist again. I have also contacted them and nothing can be found.
Product: Credit reporting or other personal consumer reports

I'm filing a formal complaint with your agency for inaccurate or misleading information contained in my credit file. Specifically, I request that you remove the listed inquiry from my credit report. I did not request this inquiry. 
XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like the attached accounts to be reinvestigated before I seek litigation and remedy for the blatant disregard for the FCRA and erroneous reporting that you place onto my accounts. Each account has not been verified, date of last activity are not the same across all 3 credit reporting agencies, accounts are reported charge offs but still showing a balance owed which is definitely wrong because this account has been written off the companies profit and loss statement so as defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. This account clearly wasn't investigated and your company just parroted information from these " creditors '' and slapped in on my consumer report damaging my credit worthiness and character in the eyes of present and future financial institutions. 

I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report and metro 2 compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a home equity loan and was denied. Reasons, serious delinquency, excessive amounts past due on accounts, time since delinquency is to recent or unknown. Further investigation revealed that Citibank had made errors and never closed an account that I was burglarized on. They ran up the fees and closed the account for non payment unbeknownst to me. They gave me a letter stating such mistakes. They will not give me a refinance loan due to there errors. Im stuck paying a high interest mortgage. They claim that I have to fix the errors with the credit bureaus. They caused financial stress and turmoils due to there inaccuracies and failures to remedy it. Furthermore, there banking app has flaws which I brought to there attention. It does not report all scheduled payments. I feel so helpless fighting a big bank. Ive spent 30-40 hours being redirected to a department who cant help me. Im at such a loss how an institution can get away with this. Ive been a customer for 23 years and have had my mortgage with them for 16. I apologize for not keeping a lot of money so I can receive better service, but I figure most cant. I have less then 10 % debt to income ratio, an excellent credit score until I paid off most of my credit cards and my score dropped. Im on a XXXX income from the fdny. They also denied me stating I dont keep a high enough balance. They also state that I have excessive obligations in regards to my income. My financial obligations only account for 25 % of my income. They are also stating that my recent credit score which dropped to XXXX was to low for them. This has to be illegal or some type of financial biast for many different reasons. I doubt a lawyer would represent me because Citibank will just prolong the case. It would not be financially feasible for an attorney to handle it. 
They are also technically financially responsible for any interest rates that I was given because of there inaccuracies. There has to be accountability. I pay my bills on time and work very hard being financially responsible in XXXX. They are burdening my financial load especially through these tough financial times due to the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I opened an unsecured loan with a local financial institution. The loan was paid off XX/XX/XXXX and the credit bureau ( Equifax ), is still reporting the account not paid, and, or still open as of today 's date. I have contacted the financial institution, the representative said the account was reported in XX/XX/XXXX and being paid off and closed, but the credit bureau still has not changed the account status, thus hurting my FICO score. 
I have initiated a complaint with the CFPB to no avail. Something needs to be done cause I am victim of identity theft and I am also a victim of the Equifax Data Breach of XX/XX/XXXX. My  next step is to file a cause of action in the appropriate court ( s ) for relief against " ALL '' " entities '' involved for not doing their jobs in investigating my ligitimate complaint ( s ), filed in accordance with FCRA, and The FTC. I have included screenshots of the item in question from the credit bureau itself. ( See attachments ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXXXXXX XXXX XXXX XXXX Account # : XXXX I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 32 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding unauthorized inquiries on my credit report. I have previously sent a letter to Experian requesting the removal of these unauthorized inquiries, citing violations of the Fair Credit Reporting Act ( FCRA ). I have enclosed a copy of the letter and my FTC report as evidence. Despite my efforts to rectify this issue directly with Experian, I have not received a satisfactory resolution. I am seeking the CFPB 's assistance in ensuring that my consumer rights under the FCRA are upheld and that these unauthorized inquiries are promptly removed from my credit report. 

This paragraph succinctly outlines the issue and your previous efforts to resolve it with the credit reporting agency before seeking the CFPB 's assistance.
Product: Payday loan, title loan, or personal loan

I signed up at Possible Financial Inc for a loan amount of {$250.00} and agreed to finance charge of {$44.00} on XX/XX/XXXX. In the agreement, total amount Id have to pay back will be {$290.00} which says due on XX/XX/XXXX. 

On the website, I was able to change the payment date and divided into 4 payment installments on XXXX {$73.00}, XXXX, XXXX {$73.00}, and XXXX {$73.00}. 

But then on XX/XX/XXXX, Possible Financial withdraw the money from my bank In four transactions {$73.00}, {$73.00}, {$73.00}, {$73.00} ( all at the same time on XX/XX/XXXX ) I dont understand why this happens, I was charged a finance charge outside of the agreement. They responded via email stated that theres nothing they can do if money already withdrawn from my bank. I then sent them the withdrawal proof from my bank and the copy of what the agreement was and I only get a respond back from XXXX to send a feedback about possible finance on XXXX business page. 

At that point I was already going into panic, Im not sure what Im dealing with if this is a scam. Because on their website where I can login to access my account I see even with the four amounts I explained above ( {$73.00}, {$73.00}, XXXX ) it even says XX/XX/XXXX processing until this very minute ( yet all those amounts already withdrawn from my XXXX bank account early XX/XX/XXXX ) and also at the bottom of this statement page it also says Total Remaining Balance {$290.00}