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

XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XX/XX/XXXX ] Subject : Dispute of Account Closure and Reversals Dear Sir/Madam, I, XXXX XXXX XXXX am writing to bring to your attention a matter of concern regarding my accounts with Chase and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number, not available, open date is XX/XX/XXXX close date XXXX XXXX social on account is XXXX. Account number XXXX ( opened on XX/XX/XXXX ) and account number XXXX ( opened on XX/XX/XXXX ). I have recently discovered that my accounts have been closed due to several reversals through AutoPay. I would like to provide additional information and dispute the closure of my accounts based on the provisions outlined in the Penal Law 15 U.S.C. 1681, Section 6048, Section 2, and Penal Law 15 U.S.C. 1681 ( C ) ( A ) ( 5 ). 

Firstly, I would like to emphasize that I, XXXX XXXX, have always been diligent in making timely payments towards my accounts. However, there were instances where three payments made through AutoPay were reversed. I would like to clarify that these reversals were promptly addressed by making the necessary payments on the following date, which ensured that my payments were ultimately successful.

I strongly believe that the closure of my accounts based on these reversals is unjustified. Penal Law 15 U.S.C. 1681, Section 6048, Section 2, protects consumers rights by ensuring fair and accurate credit reporting practices. Furthermore, Penal Law 15 U.S.C. 1681 ( C ) ( A ) ( 5 ) grants consumers the right to dispute any inaccurate or unfair information present on their credit reports. 

Considering the aforementioned legal provisions and my consistent adherence to timely payments, I, XXXX XXXX, kindly request your immediate attention to rectify this matter. I urge you to thoroughly investigate the circumstances surrounding the reversals and the subsequent closure of my accounts with Chase. I request that you update my credit report accordingly to reflect my accurate and responsible payment history. 

Enclosed with this letter, please find copies of relevant documents supporting my claim, including bank statements and payment records that validate my consistent and timely payments, except for the reversals mentioned. 

I, XXXX XXXX, sincerely hope that you will address this matter promptly and take the necessary steps to correct any inaccuracies in my credit report. I kindly request written confirmation of the actions taken to resolve this dispute. 

Thank you for your time and attention to this matter. I trust that you will handle this dispute with the utmost professionalism and urgency it deserves. 

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

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccuracies with a Equifax concerning my student loans. I consolidated my accounts and the consolidation caused the accounts to be paid in full and closed. I did this to clear up my credit report so that I can purchase a home. My on time payments are missing for a whole year and my missed payments are showing up with which is throwing off the ration, so I consolidated. Every other credit bureau removed the accounts from my credit report and reflect the current consolidated student loans except for Equifax and I would like them to follow suit and delete the inaccurately reported accounts and payment history. The XXXX representative told me that consolidation would resolve this so now I am asking that my Equifax be updated to reflect the changes as well.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

NCB Management Service has yet to validate debt and how i the consumer is obligated to pay this debt. 

Notice to all, I, am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, i would be happy to settle any financial obligation I might lawfully owe as soon as I have received the following documentation from you : The following documents are needed to move forward in these matters XXXX. Validation of the debt ( An audit trail of account in accordance with XXXX ) ; XXXX. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and XXXX State Statues for Lawful Purposes. 


All tax bond receipts XXXX XXXX, XXXX, XXXX The authorization from the XXXX XXXX XXXX to go forward with the above mentioned account number [ 26 U.S.C. 2032A ( e ) 11 ] Employee Affidavit [ Title 5 U.S.C. 3333 ] Registration [ Title 22 U.S.C. 611 and 612 ]
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I asked your department to take action On XXXX   credit reporting agency for Fradudelent activy on One 's credit report. OneMain account XXXX has been closed Since XX/XX/XXXX But XXXX went into my credit file and changed Information on this account and made it as a charge off account. I just find this to be so hard and disturbing knowing that a credit reporting agency could do something like this. the FCRA is for fair credit reporting but this act of fraud that XXXX is committing is unexceptable this is a act of Forgery and something needs to be done about this I caught them red handed for these people are making billions of dollars selling consumer 's information CFPB see File for factual Proof that this tradeline was Tampered with because XXXX acted in a Hurry if you take Note they acted so quickly they forgot to add the payment calendar in Most Fraud situation someone always leave a paper Trail and that exactly what XXXX did. I added OneMain to this as well But I know they had Nothing to do with this! due to the fact the other two agencies this account is reporting correctly.But i do want Onemain to let me  know the status of this account XXXX is reporting as a charge off. It's XXXX Doing I know this for a fact. Onemain I would asked of you to please go in and delete this erroneous account information on XXXX report XXXX has no credibility and or No trust from me! Obemain please let myself and CFPB KNOW HOW THIS ACCOUNT SHOULD BE REPORTING I KNOW IT WAS CLOSED IN XXXX not sure how in the XXXX this account came into Play now it's XXXX Again this is Not Onemains Fault what so ever! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC Bank. I was co-signed on a car loan for a vehicle that was totaled and covered by gap insurance. 
XXXX XXXX of the individual covered paid out in two installments. The first was {$37000.00} and the second was {$820000.00}. The total payout on the claim was {$45000.00}. The second payout of {$820000.00} was released XXXX. 
PNC Bank has reported me for a delinquent balance on a vehicle that was totaled and full covered by insurance including gap insurance which has been paid out to them. 

During the course of the loan, we had continued problems with PNC Bank sending out letters for notice of a late payment stating the payment due date was 10 days prior to the actual due date online. They would also send out late payment notices via mail regarding payments that had already been paid.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE ACCOUNTS AND INQUIRIES FROM MY CREDIT REPORT XXXX/XXXX  Account Number : XXXX hereby demand substantiated proof of this alleged item, including the contract, note, or any other instrument bearing mysignature. Failure to provide such evidence will necessitate the immediate removal of this item from my credit report. Thiserroneous and incomplete information constitutes a grave error in your reporting, and I insist on its removal. Furthermore, XXXX you to promptly furnish an amended credit profile to all creditors who have accessed it within the last six months ( orthe last two years for employment purposes ).

In addition to rectifying this situation, you are required by federal law to complete your re-investigation within thirty ( 30 ) days. I also request that you promptly provide a detailed explanation of the procedure used to verify the accuracy andcompleteness of the information within fifteen ( 15 ) days of concluding your re-investigation.

Please be aware that I am not interested in receiving stall tactics or evasive responses. I am taking this matter seriously andexpect immediate and forthright action on your part. Failure to comply with these demands will result in further legal actionsto rectify this situation.
Product: Payday loan

I am a single mom of XXXX small children. Out of desperation I took out a loan for {$970.00} to catch on bills. I have made XXXX payments of {$340.00}, due every two weeks to pay it back. I knew I was getting close to paying it off so went in the system to check it out. Everything let me to believe the payoff balance was {$1300.00}, this would have been my last payment. What I found has left me speechless. A loan for {$970.00} is showing a payback of {$9400.00} with apr at 868.3411 %. Are you kidding me? Is this even legal? When I called they simply said I could to an early payoff of {$1400.00}, not a problem except I 'm paying {$680.00} every month towards this loan and will never have the money to pay it off. How is this possible? It is robbery! This company is scamming people and making tons of money on doing so. I have no problem paying back a loan but anyone can see this is not acceptable/ethical and they must be stopped. The loan payment documents were not clear or I would have NEVER taken it to begin with, nor would anyone else in their right mind. I have read so many reviews and they are scamming people all over the world. This in hopes that they will be stopped from taking advantage of hard working Americans and hoping that I can find a way to rectify so that no further payments are deducted from my account. Thank you.
Product: Debt collection

Portfolio recovery sued and was granted a judgement without notice to me nor being served before the fact. I was at XXXX time seeking bankruptcy protection. I've been able to avoid it thus far. As of today however they have out of the blue frozen my bank account of which I never received any notice. I pay rent and child support from this account and need it to be unfrozen. I will proceed XXXX bankruptcy if that's my only option but they have been unscrupulous throughout without notice nor follow up
Product: Student loan

My loan Federal loan was transferred from Sallie Mae to Navient in XX/XX/XXXX of XXXX. I applied for federal consolidation in XXXX in order to begin my 120 qualified payments towards my Public Service Loan Forgiveness. Navient mishandled my loan and placed me on a graduated payment plan which was not applicable to the PSLF,  however I was assured that I was on a qualified payment plan. I was paying between $ XXXX {$560.00} a month which was not less than what I would have been paying on income driven repayment. I was told that I was on a qualified plan and after heading out of a temporary forbearance in XXXX, I paid on time payments from then until my loan was transitioned without my prompting from Navient directly to the PSLF  program on XX/XX/XXXX. Now I'm told that by the PSLF supervisor ( Employee XXXX ) that I only have 8 qualified payments. This doesn't make sense because he also stated that Navient has had me on income driven repayment since XX/XX/XXXX which would mean I have far more than 8 qualified payments outside of Navients mishandling of my loan. At this juncture, I should have at minimum 98 qualified payments on my account as of XX/XX/XXXX. In addition to this, Navient reported a default to my loan in XXXX that never occurred. This had a negative impact on my credit report and prevented me not only from borrowing but also from earning competitive interest rates on financial products.
Product: Credit reporting

I have disputed and ask for documents from Experian showing that I actually owe these accounts, dates, signatures whatever that had on file to justify them reporting it on my file and they have failed to do this. I have called, sent letter and no information has been sent and it 's been over 60 days
Product: Credit reporting 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 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: Debt collection

Harrassing me at work, telling my co-workers that I have a legal issue ... ..that I need to call ....
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my twelfth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit card or prepaid card

this is the second time i have applied for credit or credit line increase where i received the following response : " You are participating or have recently participated in a payment relief or deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts or loans. '' this information is inaccurate i have not received any payment deferral in the past, currently or recently. i have asked to be furnished with proof of this assistance and no one has been able to produce anything. american express is stating that they got the information from XXXX. when i contaced XXXX they stated there is nothing stating that on my report. also XXXX  loan was denied for the same reason stating that i had a modification of payment loans issued by a lender. which is also inaccurate. i do not have any deferral loan or credit card payments on any of my accounts.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). 
Specifically, cash app failed to taketimely and effective measures to prevent and address fraud upon their platform, Leaving my account very vulnerable and unprotected. Furthermore, their dispute resolution process was very unfair and deceptive. As they did not comply with error resolution requirements. Under the electronic fund transfer act ( EFTA ). And regulation E these actions have caused significant inconvenience and financial hardship. And I am seeking a redress immediately for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to the massive breach in the personal data of millions of people due to the willful negligence of Equifax. 

I ca n't bring up the dispute with Equifax because if I use their website to find out if I have been affected by the data breach, I am giving up my right to sue. 

Equifax may or may not have lost my credit data, SSN, and other personal information. From what I have heard, the corporation was willfully negligent in the way they stored, processed, and transferred the personal information of millions of people. I have heard several first hand accounts of those working at Equifax to back up my claims. 

I am fearful that my identity will be stolen, my credit score damaged, and my personal information used against me or sold to those who will only use it to harm me. This fear will live with me for the rest of my life as there is no way to recover my information or know who has possession of it now or at any time in the future. 

The top executives at Equifax however have nothing to worry about as they sold off millions of dollars worth of company stock after they were aware of the problem, a month before they informed the public. When they decided to inform the public, it was on the eave of Hurricane Irma causing destruction. This timing of the announcement only goes to further demonstrate the willful negligence of Equifax as is is obvious the company did not want to receive much attention from their announcement.
Product: Payday loan, title loan, personal loan, or advance loan

I don't have dates, but I spoke to XXXX about my loan and they said it was transferee to SST. I have being paying on this loan but interest continue to come out. I asked about this and it said this is the way the loan is set up. I have two other loans like this predator loans. XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have requested for any late payments on this account be removed or reversed. According to 15 USC 1666b - Timing of Payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title. 
The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. 
The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor or services on credit.
Product: Credit reporting or other personal consumer reports

The credit reporting agency furnished debts that are paid and have not been validated or verified and inquiries that have no permissible purpose on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts arent mine. I have no knowledge of them. I was XXXX when accounts were open. I disputed these accounts on my credit reports. Please remove from my report ASAP. Im trying to get on my feet and when I apply for credit these accounts are stopping me. Im trying to take care of my family. Please remove. 
Account numbers are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a Consumer
Product: Credit reporting or other personal consumer reports

-THESE ACCOUNTS IS NOT MINE 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 XXXX XXXX XXXX XXXX