23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. SW Credit Systems L.P has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send statements. Send my actual signature on a contract. As this debt is Not mine. <P/>Sent XXXX, XXXX, and XXXX a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.XXXX, XXXX, and XXXX has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.
Product: Checking or savings account

My {$4900.00} in the CashApp has been stolen by CashApp. I filed a complaint against CashApp with FDIC and yesterday FDIC responded that my {$4900.00} are held by a Financial Institution called Block Inc and that I should approach CFPB to recover my funds from Block Inc. My FDIC Case # is XXXX. My phone # is XXXXSee the attached response from FDIC.
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 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 card or prepaid card

XXXX an e-bill from XXXX XXXX XXXX reflecting a balance of {$31.00} for an auto-refill subscription to be paid by XX/XX/XXXX. 
XXXX Assessed a {$30.00} late fee for failure to make payment by XX/XX/XXXX. 
XXXXReceived an e-bill from XXXX XXXX XXXX reflecting a balance of {$63.00} to be paid by XX/XX/XXXX. 
XXXXContacted company via email regarding missed payment and requested a one-time courtesy waiver of late fees. I was informed that they would remove the late fees assessed which would be reflected in my next statement. I made a payment in the amount of {$31.00}. 
XXXXReceived an e-bill from XXXX XXXX XXXX reflecting a balance of {$73.00} which included the {$30.00} XXXX late fee and a {$40.00} XXXX late fee as well as minimum finance charges. 

I have contacted XXXX XXXX regarding the new unexplained charges but they are unwilling to clear the balance. The most they can do is waive the {$40.00} XXXX late fee. They argue that I had a balance of {$2.00} ( supposedly " valid '' minimum finance charges ) on XX/XX/XXXX which constituted a failure to pay. As a result, they reassessed XXXX and XXXX late fees. If they receive no payment by XX/XX/XXXX they will assess another {$40.00} late fee. 

In sum, I will continue to accumulate late fees, minimum finance charges, and risk potential adverse impact on my credit report because they argue they are owed a {$2.00} finance charge which was assessed a late fee which they were to waive. I paid for my purchase but it is unconscionable that they would continue to assess fees upon fees upon fees over a {$2.00} minimum finance charge which I was unaware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided the Credit Reporting Companies with the proper documentation to remove items from my XXXX, XXXX  and Experian Credit Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have provided them copies of returned mail, that proves that the information that these companies have provided on my report are false information and thus should be removed from my credit report. I have also provided them information that some or all of these accounts are not valid and proof that the companies could not validate the accounts. The companies provide copies of statements which is not validation of the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/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 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

Found and add online for a Prepaid Credit card to assist in building credit. I prepaid XXXX $ to get the card. A week later I received it in the mail. Company name Is XXXX XXXX, and the card is a XXXX XXXX. Soon after I activated my card via the number provided. Ever since, I have attempted near 10 different locations to use the card, and all have been declined. Iv been charged a fee every month for not using the card, and after excessive amounts of attempts to contact personnel, I have gotten no where. All phone numbers provided go to a recorded voice with no voicemail options, Online login is a no go, and my credit is only dropping. I am unsure how to escape this nightmare, and also have noticed the company has horrible reviews online and probably scams many people.
Product: Payday loan, title loan, or personal loan

1.One Main constantly advertised in my XXXX XXXX account. 
2. I finally applied for a loan with One Main several days ago. 
3. I was pre Approved and then Approved for a loan and one main offered me approximately {$8000.00}. 
4. I received info in email stating again that I was approved and which stated I needed to verify XXXX XXXX XXXX. 
5. I received a phone call stating I needed to verify XXXX. 
6. I submitted every piece of verification to them. 
7. I submitted electronic verification of bank accounts by connecting one of my checking accounts. 
8. I was told again that I AM Approved and it would process within the morning. 
9. The next day came and my login dashboard for onemainfinancial.com still said VERIFYING and remains saying VERIFYING til this day and Pending. 
10. I called and inquired as to Why? 
11. I was told the underwriter now would like a copy of a tax return and proof of Direct Deposit or I will not get the loan at all even though Im approved. 
12. I explained I am a XXXX and do not have a tax return for my XXXX position and that I never said I received direct deposit and I do not. 
13. I received a call from the branch or district manager supposedly and discussed XXXX  Discrimination. She assured this is not the case however did nothing to over ride this refusal to give me the CREDIT WHICH I HAVE QUALIFIED AND BEEN APPROVED FOR AND SUBMITTED ALL ADVERTISED VERIFICATION FOR AND BEYOND. 
14. At this point I log in and my status still remains PENDING/REVIEW with one more step which is to finalize loan documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The harassment of a debt not owed by yourself is an emotional form of identity theft in itself, I'm been held to debts inwhich I have no knowledge of. And I surely do not have a contract with the following companies, ( 1 ) XXXX XXXX XXXX for {$210.00}, XX/XX/2018, a date inwhich I was out of town anyways. According to the FCRA, I would had to have an contractual agreement with the creditor in order for me to be an responsible party. Again I have no contractual obligation to the above. As a consumer I'm requesting physical documentation of this debt. And for this one as well, ( 2 ) XXXX XXXX XXXX XXXX, XX/XX/2018. If these requirements are not met then I have no other option but to file a law suit for emotional harrassment. Again no contract with either of the above.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of hard inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told TransUnion to reinvestigate these hard inquiries on XX/XX/2023 : XXXX XXXX XX/XX/2023, XXXX XX/XX/2023 and XXXX XXXX XXXXXX/XX/2023. However, they stated everything was complete and accurate. But TransUnion has not removed these unauthorized inquiries : According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

I mailed out a dispute on XX/XX/2018 via certified mail to LexisNexis disputing a bankruptcy that LexisNexis is reporting. I received a letter back from LexisNexis dated XX/XX/2018 stating that they verified the bankruptcy and that it was reporting accurately on my LexisNexis report. I then mailed out a second certified letter to LexisNexis on XX/XX/2018 requesting the method of verification that was used in order to verify the bankruptcy from the letter I received back from LexisNexis on XX/XX/2018. I then received a reply from LexisNexis dated XX/XX/2018 stating that LexisNexis is unable to determine exactly what I am disputing. So now LexisNexis has failed to address my dispute in my second certified letter sent on XX/XX/2018. According to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) this record must be removed. LexisNexis clearly understood my initial dispute but once they received my second letter requesting their Method of Verification, then they " are unable to determine '' what is being disputed. Either LexisNexis follows the law or, the item is to be deleted from the report because " It is a common maxim that 'ignorance of the law will not excuse any person, either civilly or criminally.? XXXX v. United States, 7 Pet. 404, 411.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.
Product: Credit reporting

XXXX and Equifax both are telling me that I need to furnish proof of my identity in mail in order to view my free annual report. I have gone through this exact process before by both of these bureaus in XXXX 2013 and despite sending them both a driver 's license photo and a piece of government mail with the address on the letter, they still do not recognize me. XXXX had no problems. Obviously the other XXXX bureaus are very mistaken about me. This is leading to tremendous problems and is repeatedly been an issue when attempting to open lines of credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information that XXXX XXXX XXXX have reported to the consumer reporting agencies regarding accounts that have not been verified : Accounts : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX I check my consumer report weekly. It has come to my attention that they have reported these collection account as an open account and are misrepresenting yourselves as the original creditor. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of any debt. The relevant sections state : > " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :...

> ( 2 ) The false representation of > ( A ) the character, amount, or legal status of any debt ; or > ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. '' By reporting this collection account as an open account and misrepresenting yourselves as the original creditor, you are providing false information about the character and legal status of the debt. Additionally, this is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus be accurate and complete.

Further, I previously requested verification of this account by mail, as is my right under the FDCPA. To date, you have failed to verify the accuracy of this account. According to 15 U.S.C. 1692g ( b ) : > " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' Since you have not provided the requested verification, you are required to cease collection activities and correct the erroneous information on my credit report. I demand that you immediately delete this account from my credit report and cease any further misrepresentation of this debt. 

Failure to correct this violation promptly will leave me no choice but to file pursue legal action to enforce my rights under the FDCPA and FCRA. 

Please provide written confirmation within 10 days that the inaccurate information has been deleted from my credit reports. I expect that you will take this matter seriously and address it with the urgency it deserves. 

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

I have been disputing information on my credit report for the past year! My lawful rights have been violated by XXXX, XXXX, And TransUnion. According to the FCRA regulations I am entitled to have true, correct, and complete information on my credit report. I have disputed all inaccurate and wrong information for over a year and the information still remains on my report. This information has kept me from buying a home. I have sent multiple letters to get XXXX  and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$330.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$260.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX, XXXX XXXX XXXX XXXX XXXX {$8000.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$550.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$390.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$56.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$720.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$910.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditors and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$290.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$550.00} I filed an ftc report and spoke with the creditor and they refuse to remove it.
Product: Credit card or prepaid card

Today is XX/XX/2020 
The Federal Reserve cut interest rates to a low of 0.25 ( basis points ) over a month ago!!! 
No credit card ( bank or financial institution : including, VISA, MC, XXXX XXXX, XXXX, XXXX, Discover, XXXX XXXX, XXXX XXXX, XXXX, etc. ) wants to hear, listen, show interest, or negotiate, lowering the already staggering and very high interest rates ; some as high as 27 % to 30 % interest rates on revolving credit cards. 
This is up surd especially when the country is in an economic slowdown, market crash, soon to be a depression. We are currently confronted with a 5.2M unemployment count and only getting higher. Therefore, no jobs, people without incomes, and some even with no food to eat. Federal and State unemployment offices unable to keep up with applications. The IRS also unable to keep up with relief checks, and many businesses playing it by ear in a waiting game to see whether they will ever be able to reopen their businesses.

Many people are overdrawn in banks, unable to pay rents and other basic necessities.

The circumstances are dyer and all the while the richer gets richer and poor gets poorer ....!

CFPB, What can you do to stop the bleeding? How is that one can refinance a mortgage or a car note, apply for a forbearance and even put a stop payment on basic expenses like utilities?

Why is that credit card companies are allowed to continue to accumulate interest on top of interest, collect late fees, and even overdrawn fees? Why are they excluded from helping others, especially when the country is phasing a pandemic? Why are CREDIT CARD companies so special??
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing both a dismissed XXXX  XXXX Bankruptcy and a discharged XXXX  XXXX Bankruptcy. I have disputed these items several times over the last 9 months but the bureaus continue to respond ITEM VERIFIED to the disputes I've submitted. This is extremely confusing to me because the Bankruptcy court respond to my inquiry to them by stating that they do not report or verify any information to or with the credit bureaus. When receiving notification from the credit bureaus that they verified the information electronically via XXXX XXXX I contacted them. They sent me a notice stating that the information was removed and recommended that I contact XXXX, XXXX and TransUnion to inform them. Nevertheless, with the courts stating that they do not provide any information publicly that includes my social security number or other personal information, I don't understand how the bureaus are claiming that they verified the information. This is a direct violation of the FCRA and must be addressed. These inaccurate and unverifiable public records must be removed from my reports immediately as they are extremely damaging to my file and my well being.
Product: Debt collection

Hello i was contacted by this company a few months ago claiming that we owed XXXX XXXX money I informed them that we had insurance and give them the insurance info today XX/XX/20 they contacted me saying that insurance denied because it was too late to claim I asked the gentleman why didn't XXXX claim on time he said he didn't have anything to do with that and that he was a collection agency I then told him that while we don't owe this I am willing to pay them XXXX to close this matter he refused although I told him that's all I have and I asked for verification of the debt to be mailed to me and allow me my due process we don't owe this debt and completely deny it
Product: Credit reporting or other personal consumer reports

I have had several data breaches and call Experian to remove some items as well as old addresses and phone numbers and was told I could not do so I sent letters in the mail for dispute and nothing was removed
Product: Mortgage

I had a loan through Flagstar bank and I tried to do a loan modification XX/XX/XXXX and XX/XX/XXXX. I had a credit score that should have qualified me for loan modifications per government regulations at the time but the Flagstar Rep told me they look at " other things '' too and that I did not qualify. They told me my only avenue for saving my home was to " stop '' making payments on my home and let it fall into foreclosure and I can apply for loan modification that way. I gave them everything they asked for ( bills, bank statements, Profit and Loss statements, tax returns, etc ) It was everything. I was told to fax it to them and I did. Over and over and over again. When I called to check on anything I got a live person XXXX out of every XXXX times I called. I kept getting letters saying we need more information but I would call and they said " no we got everything but send it again with updated versions ''. I must have done this at least 10 times and I never ever got a legitimate answer or resolution. Then the trustee sale happened and I was notified to leave the home immediately. I did everything they asked for over a year sending every last document they asked for several times over and over and never got an answer or resolution from Flagstar. The bank forced me into stop making payments by saying they ca n't do anything until I miss XXXX payments. They did not modify my loan even though at the time my credit score was over the minimum required by the government HARP program. Then they took my home that I had for nearly 20 years. I see they are part of a class action suit how do I become a part of that? What is my best course of action? Appreciate your help.
Product: Student loan

About seven or eight years ago, possibly ten, I asked my lender XXXX XXXX to divide my loans into two groups : co-signed and uncosigned. This way, I could easily ensure that I would always make ( as much as I could ) the payments on the loans cosigned by family members. The grouping stayed the same when the loans became Navient. About a year ago, the website changed and the were no longer group but I kept paying on the ones I had been paying on because they were my cosigned loan. 

Today, when I was checking on remaining balances due to a push from my family to get those specific loans paid of to relieve the stress of the my cosigners, I discovered that one of the loans was not a co-signed loan. This means I 've paid almost 10K dollars over the last eight to ten years I did n't budget on paying for because my lender lied to me in how they grouped the loan.
This fraudulent customer service.