23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This company AAFES has charged an obscene amount of interest on my card that I have not used in over 6 years. When I got out of service I owed roughly {$7000.00} and had to default on the card due to a pending divorce and returning back to college full time. Today they said on the phone I owe over {$11000.00} which isn't true. The card has been in collections ever since 2016 and I have paid this company the last 5 years over {$4000.00}. The total amount owed is not {$11000.00} ( The math on what I paid so far makes no sense. ) and they have refused multiple offers by me to settle this debt. I am prepared to take legal action if a fair and forgiving solution can not be obtained. I am trying to purchase a home and my lenders will not move forward with me until this is settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Referring to the following : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem This case has been open with Transunion for a month now, and I lack their response to get the credit report they used in my credit denial to XXXX  on XX/XX/2022. 

The bureau is attempting to force me to pay for my information ; they did not pay me for it, so I don't feel this is a justifiable trade per the Fair Credit Reporting Act. 

Your agency has been ineffective in forcing the Credit Reporting Agency to stand behind its obligations to me as a consumer to have this " Complete Report '' delivered so I can go about my business of correcting the errors they have in my file. 

I would appreciate your follow-through on this issue to have them do the right thing and deliver the report to me at no charge. It's my information, for God 's sake. 

Thank You XXXX XXXX
Product: Consumer Loan

In XXXX XXXX I called my Vehicle loan department to ask if they Allow me too Take the Vehicle out of Country? I advised them I was a XXXX Veteran Moving too the XXXX XXXX, I was told over the Phone by the Rep she would have to request for it and I should be notified. In XX/XX/XXXX I called again and they said the same thing? I called back XX/XX/XXXX and the Rep that took the call Advised me I could not take the Vehicle out of Country, I told the Rep Fine I am doing a voluntary surrender Please come get the car I am Leaving in XX/XX/XXXX she said Ok! 
In XX/XX/XXXX I called Again because I seen it still open on my credit report the lady said I had too fill out forms to turn the car Back In I told the Lady I was XXXX XXXX I was not flying all the way back to the United States to Fill out a Form to do voluntary surrender if that was the cause why I was not informed when I called in XX/XX/XXXX and XX/XX/XXXX?. The Vehicle sat in the Apartment complex for 6 Months the Finance Company to even tried to get the car I voluntary surrender because I was not allowed by the Contract to take it out of the Country! I called again in XXXX XXXX From XXXX XXXX to see if they got the car Yet? I was told no and asked me for a number to get in contact with me I gave them my Cell Number here in the XXXX XXXX. Like 2 Days Latter I had an Investigator call me asking me where the Vehicle was and he Was Hired by Exeter to get the car back! I asked him why they did not get it back in XXXX when I did I voluntary surrender! He did not know and asked me for my Help! I told him my Wife also tried to turn it in and was told I had to fill out paper work Too before they could take the Car Back. I told XXXX the Investigator that I would personal go back to Texas and See if I could help find the Vehicle and at this point I did not Know because my and my wife was going through a rough time and I had not spoken to her for 3 or 4 Months at this point. I told him I looked at my Credit report and did not like the Fact that they put Missing Payments and add more to the Payoff! He said he understands and I bought a ticket to Texas trying to find the Vehicle I called all over and no one had it towed I final got ahold of my wife and she told me she droped it off at XXXX in XXXX! She did not tell me which one since we have been fightting I Called XXXX the Invesitagtor right away to let him know of the Information I had and what I was doing to try and find out what Dealer at Car Max she droped it off at? I left Texas on XX/XX/XXXX. and Still very upset they I the Consumer had too spend all my savings to go back to the States in order to help this company that did not care about this in XXXX XXXX and who has Put missing Payments on my credit report add more money too pay off is Crazy!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed at protecting my credit information from hackers. They have offered free credit monitoring for a year as compensation. Too little, too late ... my information has been compromised and the repercussions can potentially last for many years. They failed to do their job and have offered no reasonable solution to the massive problem they helped create.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX, has violated my rights US DEPARTMENT OF EDUCATIONXXXX XXXX XXXX, has violated my rights US DEPARTMENT OF EDUCATIONXXXX XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX  xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights 15 U.S.C . 1681 section 602 A, states I have a right to pricacy.

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Unique Management Services XXXX XXXX XXXX XXXX XXXX, IN XXXX Dear Unique Management Services, I am writing to dispute the validity of the alleged debt associated with account numbers XXXX XXXXXXXX and XXXX XXXX, which your agency claims I owe in the amount of {$63.00}. This dispute is in accordance with the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ]. 

I received your communication dated XX/XX/year>, regarding this matter, which I received on XX/XX/year>. This delay in communication violates the FDCPA 's provision regarding timely notification of debt validation [ 15 U.S.C. 1692g ]. Therefore, I demand immediate verification of this debt. 

Furthermore, I must emphasize that I do not own property in XXXX XXXX XXXX, as your agency claims. This inaccurate assertion raises serious concerns about the accuracy and validity of your collection efforts. I hereby request verification of the debt, including an original signed document demonstrating my obligation to repay. 

In accordance with the FCRA and FDCPA, I request the following : 1. Verification of Debt : Please provide detailed verification of the alleged debt, including the original signed agreement, itemized statements, and any other documentation proving my liability [ 15 U.S.C. 1692g ].

2. Accuracy of Information : Ensure that all information provided regarding the alleged debt, including the purported ownership of property, is accurate and substantiated by verifiable evidence [ 15 U.S.C. 1681s-2 ].

3. Timely Notification : Adhere to the FDCPA 's requirement for timely notification of debt validation, as any delay beyond the stipulated timeframe is considered a violation [ 15 U.S.C. 1692g ].

Failure to comply with these requests within the specified timeframe will result in further action to protect my rights under the FDCPA and FCRA. Any continued attempts to collect this debt without proper verification will be considered a violation of federal law. 

I expect your prompt attention to this matter and a timely response in compliance with the applicable statutes. Please provide all requested documentation and cease all collection activities until the validity of the debt is verified. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I opened up my XXXX XXXXXXXX XXXX XXXX XXXX in XXXX of XXXX. I maintained an exceptional payment history never missing a payment, including during the coronavirus COVID pandemic. In XX/XX/XXXX I paid down the complete balance of my XXXX XXXX XXXX XXXX XXXX to zero balance. Subsequently, I was told by XXXX XXXX XXXX that my account was closed. It should be noted that at this time I had no lates reported to the credit bureaus as I vigorously maintained an excellent credit history. 

I was Saddened that XXXX XXXX  XXXX unilaterally closed my account, but I was relieved that the balance had been paid in full. When I inquired as to why my account was closed I was told that it was their decision and I was welcome to reapply for credit. 

It is very important to note that since the card was closed I no longer received notifications, alerts or had access to login after they unilaterally closed my account. On XX/XX/XXXX I get an alert from a credit bureau saying I was past due on my XXXX XXXX XXXX XXXX XXXX, and that my credit score has dropped by XXXX points. This is especially disheartening because I am in the process of purchasing my first home. 

As soon as I received the information from the credit bureau, I called XXXX XXXX XXXX XXXX and was informed that despite I paid the balance to zero and despite the account was closed there was accrued interest of {$XXXX} due XXXX XXXX. They agreed that there was no way for me to be informed about the amount due. I further questioned why interest was due when I timely paid the balance in full. 

In addition, they told me that no attempt to alert me. Instead, they just reported incorrectly to credit bureaus. They agreed this was in error but now are refusing to remove the derogatory item from my credit report. I am not at serious risk of losing my home because of XXXX XXXX XXXX XXXX incorrect and inaccurate reporting to report to credit agencies. 

I feel this is a gross abuse of the credit laws and gross negligence on the part of XXXX XXXX XXXX XXXX. I am turning to the Consumer Financial Protection Bureau to report this abuse. I pray that CFPB will be able to assist in this matter and do whatever can be done to prevent future consumers from suffering the same abuse as I have. 

It should be noted that in good faith I have worked long and hard with XXXX XXXX XXXX XXXX  and feel I have been treated rudely and they have taken no accountability. I was told that XXXX XXXX XXXX XXXX would escalate this matter, but I am out of time on my new home acquisition and may need to cancel my home search due to their gross negligence and abuse. 

The company has already agreed they mad a mistake I have attached their response Thank you for your help and consideration. 

Desired Outcome/Settlement Desired Settlement : Correction to a credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion multiple times to notify them they are reporting inaccurate items on my consumer report. In addition, I have advised them I have NEVER given any written consent to them or any other agency or third party agency to report any items on my consumer report. I also provided them the FCRA laws that they are violating and advised that they are directly violating my rights. 

NO CONSENT IS IDENTITY THEFT! 

ACCOUNT NAME : XXXX XXXX XXXX/XXXX DATE OPENED : XX/XX/2020 REASON : UNAUTHORIZED
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these itesm? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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

I submitted a dispute on XX/XX/XXXX to Experian regarding a trade line that was discharged in bankruptcy but still shows as active and delinquent on my credit report. The creditor makes regular status updates to the account stating it is delinquent and it shows on my credit applications. The investigation was completed XX/XX/XXXX and Experian states that the entry was accurate and they refuse to take another investigation or fix the item. I submitted additional disputes on XX/XX/XXXX with Experian as there are more accounts discharged in bankruptcy that still have an open/active status.
Product: Debt collection

I received a letter late XX/XX/XXXX from XXXX XXXX XXXX XXXX stating they were collecting a debt on behalf of my previous employer, XXXX XXXX, in the amount of {$1100.00}. 
My employment with XXXX was terminated XX/XX/XXXX. XXXX stated I had 30 days to contest the validity of the amount or they would proceed with claim. I contacted them as requested on XX/XX/XXXX @ XXXX am XXXX to notify them that claim was invalid. I was transferred to the gentleman who sent the initial letter, XXXX XXXX, who for XXXX minutes proceeded to talk over me & berate me. When I finally was able to speak, I stated that debt was not valid and to send me a detailed audit providing proof otherwise and gracefully ended call. Over 90 days later, I still haven't received the information I requested, but received another letter early XXXX that was identical to the initial letter sent in XX/XX/XXXX. I wrote a letter, again disputing the allegations, and mailed it to their XXXX XXXX XXXX XX/XX/XXXX. XXXX days later another letter from their office was received stating I was given ample time to settle the debt and if I didn't make arrangements, they would file a judgment. I have done everything right and I need this stopped. They failed to hold up their end by never providing proof, when I exited my job I turned in all property, completed exited interview and left on good terms no debt was ever disclosed as being owed until now. Please help me get to the bottom of this and make these people stop harassing me.
Product: Debt collection

GENESIS Credit Manag {$17000.00} is reporting inaccurate information. The debt is completely WRONG! I even sent proof of my lease, to this credit management company and was told this would be removed. Which is STILL on my report! XXXX XXXX XXXX is committing fraud! Even tried to get a rental assistance funding in my name as well. For not wanting to renew my lease another year, which i got a lawyer involved in. PLEASE DELETE FROM MY CREDIT REPORT!
Product: Debt collection

Delaware Solutions, XXXX XXXX is contacting my place of employment, my relatives and stating there is a federal case against me regarding me being a " habitual offender '' of a debt case, is sharing the last digits of my ss # to my employer and relatives. They have left messages threatening to send me a summons to appear in court where I will be required to pay and if not, they will put me in jail for the maximum sentence for fraud. 
They will not send any information regarding the debt over but claim I owe over {$2000.00} in bank fees and for the original debt. They are claiming it is a payday loan which I have not taken out. I tried to explain that my identity was stolen a few years ago and since then I have been getting these calls. She claimed that if I do not pay, I will be arrested.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc ). do to inadequate customer service and unfair practices. Which violate the consumer financial protection act ( CFPA ). Specifically. Cash app failed to take timely and effective measures to prevent 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 ( EFTA ) and registration E. These actions have caused significant inconvenience and financial loss, and I seek appropriate Redress for these violations
Product: Credit reporting or other personal consumer reports

I am submitting this report because Comenity/XXXX  XXXX is inaccurately reporting historical account information to XXXX and XXXX. Specifically, they are incorrectly stating that my last payment was made on XX/XX/year>. However, I made two additional payments after that date : XX/XX/year> Payment of {$30.00} XX/XX/year> Payment of {$30.00} ( which was later reversed due to my bankruptcy filing on XX/XX/year> ) Additionally, Comenity/XXXX  XXXX is incorrectly reporting my date of first delinquency as XX/XX/year>. This is inaccurate because I made a payment on XX/XX/year>, which means my account should not have been considered delinquent as of XX/XX/XXXX. My monthly payments were due on the XXXX of each month, therefore the date of first delinquency should have been XX/XX/year>. 

These errors are significantly impacting my credit score. I am requesting that Comenity/XXXX  XXXX update my account history to accurately reflect my last payments and the correct date of first delinquency. 

Thank you for your time and assistance in resolving
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am writing this letter to request for a dispute to be opened for the following inquires be removed as the inquiries dont belong to me. I did not apply for any of the following inquires which means they are all fraudulent and are errors on my credit report that needs to be removed. I tried disputing this with Transunion and they declined to assist me with this issue. My understanding about Transunion reporting information is that everything reporting should be factual and true, but the information in the letter is not factual and Transunion does not have proof or any form of evidence. I am requesting the following information be removed from my credit report. I am a victim of Identity theft and the police report is attached with the letter listing all the inquires that don't belong to me. I submitted this complaint before and Transunion claimed that this is a credit repair company helping me, but this is self ( XXXX XXXX ).  See letter.
Product: Debt collection

The company Pinnacle Recovery , Inc. was given a Reference # XXXX and was asked to provide proof of debt and their right to collect from XXXX XXXX. They sent a package back with an " alleged '' original agreement that stated that I owed {$21000.00} and they wish to settle it for {$5000.00}. XXXX is paid monthly by autopay. This collection efforts has damage my credit report. Sending me a package, which I received just yesterday with a letter they said was authorization from XXXX XXXX without their letter head or authorization to collect a debt not due them.
Product: Credit reporting or other personal consumer reports

I went to check my checking account balance and saw this company took {$290.00} out of my checking account using my debit card. I did not take a loan out with this company and want this removed from my credit report and reported as a scam company XXXX  re : Westlake Portfolio Management XXXX. This info was taking from my XXXX Banking Account. I did not take a loan out with this company at all. They used my cell phone but not my email address. Please stop these people from going into my personal checking accounts etc as I did not sign anything for {$5100.00}. My credit is not good for that kind of loan. I would not take out, anyway. I need you to contact these people and stop them from using my personal information. XXXX
Product: Mortgage

PNC mortgage forced escrow due to malfunction on my insurance companies side and they mailing out saying all the companies accounts we delinquent due to glitch. Well they reinstated them. My mortgage company " did not '' reinstate my insurance. They continued to escrow and not apply my mortgage. All though one i called they said they had received my policy hence the forced escrow should have stopped. I have emails and fax confirmations for 4 months now that I have sent the info needed. The collections dept ca n't call the escrow dept because they have different work hours. If they are to provide a service to collect then they need to have all dept open at the convenience of the customer to resolve any issues at hand and not have gaps in time and systems info communicating to all dept related to an account not just tid bits related only to that department. They returned my money reported it as not paid. Now reporting that to the credit bureau affecting my credit history. An email and I would have sent payment asap to avoid credit reporting issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : 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.