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

I asked the 3 major credit bureaus to do a thorough investigation of all the information on my credit report for completeness, accuracy and inconsistency ; I also asked to provide proof of accuracy for such and copy of an updated report within 30 days of receiving my request. 

XXXX and XXXX, provided a copy of my report past the 30 days and stated that everything was accurate. I did a through research myself after receiving the reports and still found improper, inaccurate and missing information in my credit reports. Experian has still not responded to my request or sent an updated credit report, I also did a through research myself and still found improper, inaccurate and missing information in my credit report past 30 days of my request. 

None of the 3 credit bureaus provided documentation with proof of these changes within 30 days and my credit bureaus are is still reporting inaccurate, inconsistent and missing information. 

As per 15 U.S.C 1681i ( a ) ( 1 ) - Procedure in case of disputed accuracy, my rights have been violated. 

In accordance with the Fair Credit Reporting, the following accounts have violated my rights among other inaccurate information such as name and address update. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request to please follow up with the credit bureaus about this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Resurgent Capital Services has again given another generic response. The are providing their statement of balance with no attached proof, documentation, nothing of original or accurate with this account they are reporting on my credit report inaccurate. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA They havent provided anything that FCRA requires per Section 611 ( 5 ) ( a ) of FCRA ; Section 609 ( a ) ( l ) ( a ) & Section 611 ( a ) ( l ) ( a ) of the LAWS that protect me.
Product: Credit reporting or other personal consumer reports

In XXXX of 2022 I pulled my Equifax credit report from Equifax and said no score and looked at my credit report and it had no accounts and another social security number on it and address and my old address. I disputed the information and sent my DL, social security number, XXXX, birth certificate, tax returns, utility bills and more to prove my social and address. The dispute came back asking me for proof of XXXX and XXXX which o already sent. I disputed again with sending all the same info and still came back again asking for proof. I just sent in again by uploading to their system of disputes and mailing the information but they will not update it. I would love to use another social security number and clear my credit but at this point it is showing XXXX XXXX XXXX XXXX with no credit. I would rather have my bad credit back then to not be able to confirmed my identity anywhere. Even going into places and showing proof of my identity because they cant verify with the credit reporting agencies XXXX cant get anything. I need this resolved ASAP! They said that they fixed it but when I apply for credit it is showing that there is no information on my credit report so they can't verify my identity which is a problem when applying for credit or a apartment or home or car loan. I don't understand why it is so hard to get my social back on my credit report and keep it there. I pull XXXX XXXX  and it shows a score but always says it is not updated because it can't pull my score so this is how I know they won't leave my social on there. If that is the case I need the XXXX to issue me a new social and transfer all of my credit information over to that number to fix this issue since EQUIFAX won't!
Product: Checking or savings account

Called Capital one bank in early XX/XX/2023 and requested the release of the funds in checking AND savings. Total {$1600.00} Was told that it was under investigation for " fraud '' and would take 90 days for the investigation. Called XX/XX/XXXX ( 90 days ) to request status of the refund and was told " 7-10 business days '' to release the money. Called again on XX/XX/XXXX and was told, again, " 7-10 business days to close the account and release the funds ''. Capital One Bank has been holding MY money for over 5 months. I want the money refunded.
Product: Debt collection

XXXX Equipment return amount owed to XXXX. Debt collection Enhanced Recovery Company XXXX XXXX XXXX XXXX FL XXXX Attempt an amount of {$280.00} under XXXX debt through XXXX  reports, XXXX XXXX XXXX Returned Equipment And Correct Balance is XXXX owed. Debt is inaccurate documentation provided
Product: Credit card

On XX/XX/year> I recieved a call from American Express Company to inform me that my account was under financial review and then they proceeded to ask questions about my annual income, place of work, tenure, and whether I own assets. I provided all the information they asked, but then they informed that my account was chosen by a system whose algorithm determined I needed to submmit proof of my income to reevaluate my credit limit spend. They requested my employeer 's two last payment records as well as a copy of the last two bank staments from the bank account I have been using to pay the credit card balance. I was not happy at all with the unexpected request and was even suspicious the call was a fraud attemp. After talking to a supervisor I was informed I had no choice, but other to provide the required information otherwise my account was going to be put on temporary hold, and that I have a deadline to submit the information. After the call, I logged into my account online, and in effect, American Express placed my account on temporary hold, which prevented me to use it at all. The worst was the fact that I had a number of autopay debit charges set up to pay for various bills and services that will be affected due to the temporary hold. That was extremely frustarting, and I called the customer service number which was redirecting my calls to the fiancial review department, so I have to explain my self a number of times to so many representatives that what they were doing was not ok and really affected me in a great deal. All the answers I got were the same, that I had no choice but submit the information requested, and then they would proceed with a determination. I felt I was under cohersion to proceed in a way It was not justified. I have been a customer for over 13 years and had never miss a payment. After several calls, I have to explain myseld to a number of people just to proceed with a cancellation of the service. When I requested a refund for the annual memembership fee that I paid a few months ago for services they just cancelled without any reason, previous advice or jsutification, the anwer was always to get me back to the finanacial team to pressure me to submit the bank and pay stubs receipts. I felt all that was so unjustiefied and unnecessary. I am determined to cancel the credit card account, but the American Express Company declined my request to get credit for the annual membership fee I had already pay for services I was denied for. For this reason I am requesting you can intercede on my behalf to avoid this type of cuatomer abuse happens to others. Thanks,
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Transunion, XXXX, and XXXX a dispute about some inquiries that I never authorized and are currently reflecting on my report. I have no business with these companies and have not applied for any credit with them. They have yet to process my request and have ignored it. I also sent them letters disputing other information and was ignored
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. Specifically, cash app failed 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 funds transfer act and regulation e. These action s have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I understand FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Would you kindly review the documents? Several of the listed accounts are incorrect, and it's causing me some unease.
Product: Checking or savings account

I had no access to my account, I was unable to transfer funds between savings and checking. My deposits still have not posted, forcing me to take out a predatory loan to keep my rent check from bouncing. I called in and no one was able to assist. This has caused me financial harm.
Product: Credit reporting

This Fraud address was asked to be removed and I did submit proof and a credit report also My DL, ID, Passport proving I was living out of the country and bills. Please have them to remove it. I have asked 4 times by mail over the last 6 months. 
XXXX XXXX Il has never been my Address
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I'm unaware of this debt. I didn't have the opportunity to dispute this information. If in fact you belive you gave me proper notification then please send me the certified reciept with my name on it with my signitaure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 I mailed in an FTC report to all 3 bureaus. There were accounts listed on there as a result of identity theft. Pursuant to 15 USC 1681c-2 this information should have been blocked by XX/XX/21. I also see that my information was disclosed to a 3rd party. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a consumer report pursuant 15 USC 1681a ( 2 ) ( B ). The bureaus are in violation of the FCRA. I am being contacted by collectors and the debts have nothing to do with me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT FOR THE 4th NOW TIME ON BEHALF OF MYSELF. 

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of and obviously did not obtain credit for. The bureaus did not delete the inquiries nor have they EVER responded within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is now XX/XX/XXXX and I still have absolutely nothing, after SEVEN MONTHS of disputing! No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and concern regarding the repeated inaccuracies present in my credit report. This is now the multiple time I am contacting your bureau to dispute the erroneous student loan accounts that have been inaccurately attributed to my credit file. Despite my previous dispute letters and the submission of all necessary documentation, including proof of my non-involvement with these accounts, these inaccuracies persist on my credit report. This continuous oversight not only affects my financial standing but also raises serious concerns regarding the efficacy of your bureau 's investigation and verification processes. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a thorough and timely investigation of disputed information, ensuring that any unverifiable or inaccurate data is corrected or removed from the consumer 's credit report. The continued presence of these erroneous student loan accounts on my credit report suggests a clear deviation from these mandated procedures. I demand an immediate and comprehensive reinvestigation of these disputed accounts. Your bureau must review the verification process employed and provide a detailed explanation of the methodologies and communications used to substantiate the accuracy of these accounts. If the accounts can not be verified as accurate, they must be expunged from my credit report without further delay. 

XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have requested XXXX and Navent to reduce my student loan payment but this company refused, I have filed several time ( papers ) and submit them to NAVENT and XXXX, certified, but the refuse to process! They will wait several months and delay payments. But refuses to process my paper work to reduce paper due to XXXX.
Product: Debt collection

Ocwen has made an attempt to call me around XXXX, Saturday, XX/XX/2018 - this is in regards to collect a debt. Any information will be obtained and used for that personal business matter - however, if I remember correctly, we are on a balloon plan with them, so with that being said, this $ XXXX amount of debt owed, does NOT have to be paid, until the balloon payment plan that we are on, is settled and paid off. They call me once every month to remind me that the amount of the $ XXXX debt is owed, yet, we are in the mist, of trying to keep other bills current, and paid. But also last time I checked, we are current with the mortgage payments, so why are they still harassing / bugging for $ XXXX worth of late / misc. charges?
Product: Credit card

On at least XXXX occasions I have recieved prank phone calls from this company. By prank call I mean calling and hanging up when I answered. When I called back they did not care that employees were doing the illeagal activity of prank calling. Turns out they are calling about a XXXX XXXX  payment I made on XXXX. They said it was returned my finial institute says and proven differently. So I asked for proof for avant. They typed and email with amounts with XXXX payments that were never even made or attempted to be made. And my XXXX XXXX XXXX payments they have been paid on. By typing dishonest numbers in an email and typing some code next is not proof I could type the same fraudulent info if I want too. Proof would show my account number and where a rep from bank return bank a legal paper trail l. Not some dishonest steps typing. Sorry that I had to go through this with avant XXXX. This way again. But they are showing they still have customer service avaible still 6 months later.
Product: Vehicle loan or lease

On XX/XX/2023 I went to the dealer to trade in the car. The dealer said they would pay for the car, so the debt is gone, but the bank keeps calling, charging and threatening that my credit will be ruined.
Product: Debt collection

Fair Collections and Out is attempting to collect XXXX from me from XXXX XXXX XXXX, a place I have never lived. I have disputed this to no avail, asking what method of verification was used to identify my original signature and a signed lease in my name. No written notification or bill was sent to the address in which I live before placing said debt against my credit.
Product: Mortgage

I have applied and been accepted for modifying my mortgage. Mr. Cooper/Nationstar says I am accepted but the payments are nearly {$7000.00} a month. They use their own insurance which is over {$1500.00} per month. They want me to make 3 payments at nearly {$7000.00} and they will look at modifying the loan, it isn't guaranteed. So they are asking for this outrageous payment for 3 months, then they could say I am not approved for the modification. They are purposely making this undoable so they get your home. This is not right. I also have a confidential tolling agreement which Mr. Cooper/Nationstar violated and did not follow. The violation of this agreement should make the foreclosure void. 

XXXX XXXX LOAN NUMBER XXXX
Product: Credit reporting or other personal consumer reports

There are fraudulent accounts opened by someone else being reported on my credit reports by XXXX XXXX via the following agencies : XXXX XXXX XXXX XXXX XXXX XXXX, ChexSystems, XXXX, XXXX and XXXX, amongst others known and/or unknown at this time. The following accounts erroneously being reported by XXXX XXXX are not mine and are either the result of an error or identity theft being perpetuated by an unknown individual who has had physical possession of my identity documents since XX/XX/XXXX : XXXX XXXX Acct. # : XXXX XXXX XXXX Acct. # : XXXX XXXX Credit Card Acct. # : XXXX Additionally, these fraudulent accounts are being reported as well, which were not opened by me : XXXX XXXX XXXX Acct. # : XXXX XXXX XXXX XXXX Acct. # : XXXX XXXX XXXX  Acct. # : XXXX XXXX XXXX Acct. # : XXXX XXXX XXXX Acct. # : XXXX Additionally, the following seven inquiries are fraudulent and were not initiated by any action on my part : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. This is willful disregard of the FCRA.
Product: Debt collection

CBSA 's response to my attempts to get information about a debt being reported to credit agencies. CBSA 's response to compliant # XXXX, was not sufficient. The response was : DUPLICATE COMPLAINTS XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX DEBT VALIDATED XX/XX/XXXX WITH ITEMIZED STATEMENT SHOWING ALL PAYMENTS. 

CBSA has failed to provide answers to the following : 1. What is the total amount of said debt?

2. What payments have been applied to said debt? ( itemized invoice has changed after attempting to get answers ).

3. Why has the nature of the debt changed from services for appearances to cost of paperwork during dispute process?

4. Why is the itemized invoice provided to CFPB different than the invoice provided in XX/XX/XXXX? 
5. Why have the payments amounts changed and payment dates chaged? These do not match payments cleared through my bank?

6. Please provide a contract/agreement signed by me which validates this debt? 


Previous complaint numbers are as follows : XXXX XXXX XXXX It appears this debt has been altered on the invoice as a means to justify a debt not owed after attempts to understand how this debt is being invoiced. 

The invoice received by The Federal Trade Commission in XX/XX/XXXX, is not the same invoice I attempted to get answers to in XXXX XXXX. Again, XXXX XXXX has altered the invoice in an attempt to make it appear this debt is actually due by changing dates of payments, adding collections charges, as well as when payments were received which do not match my bank records and/or checks cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was not paid late. Account never hit payment of 30 days late. Customer was in ICU with XXXX and no one at the creditor would talk with anyone but him to take the payment. Payment was made but applied to different account by mistake and they would not work with or correct the issue till they talk to the customer who was fighting for is life
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last 60 days I've been garnished by this XXXX XXXX of s total sum amount of $XXXX, every single month since I've had this loan they've been adding $XXXX every single month to the balance since the date of voluntary repossession of XXXX17. Now they are garnishing me again knowing I am a single mother also XXXX XXXX of XXXX XXXX children and I have left emails but the company manager is so unprofessional he just forwards my email rather than giving me an immediate response. I have had this same balance for three years and they are the most fraudulent sub prime lender out here. Ive paid over $XXXX XXXX  for a $XXXX   loan and why does my balance still reflect $XXXX? Where I started? XXXX XXXX are not following correct practices have never showed me no evidence of the repo sale nor a detailed billing of my entire account I requested since I first had this loan. They are a joke to consumers ripping off subprime consumers. I have other coworkers who are also with credit concepts who have showed me evidence of their wrongdoings and we are all going to take this to Attorney general.