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

on. for 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 ONLINE INFORMATION SERVI : OPENED XXXX XXXX, XXXX OPEN BALANCE {$310.00} ORIGINAL CREDITOR NAME XXXX XXXX XXXX XXXX 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Credit reporting or other personal consumer reports

I need assistance with some negative items currently on my report. I have already provided the three requested documents along with the dispute letters and specified the accounts I would like removed from my report. Could you please help me address these issues.
Product: Credit card

I XXXX XXXX i been a Victim Of Identity Theft Someone Open a Credit Card Account With Bank Of America That I Never Open. I File A Police Report For This Incident. Bank Of America Claim The Account Was Open Since XX/XX/2012 with a Different address i never Lived or never associate. Bank of America Mark this Account on My Credit Report asXXXX Unpaid and i was not aware about the Identity Theft Situation i Have A Lawyer From XXXX XXXX they Tried to Communicate With Bank of America and they Started a Fraud Investigation Bank of America Denied The Investigation And Claim that the Signiture that was used to open the account it match and bank of america claims there was no Fraud there Was Several Item on My Credit Report XXXX Item Was Removed From my Credit Report Except The Bank Of America. I Never Signed Any Documentation To Bank Of America And The Signature is not Mines. Bank of America Does Not want to help With This Situation and they Have Made this Problem for me Really Difficult and They Are not Accepting the Documentation From My Lawyer Neither The Police Report..
Product: Debt collection

Company has the account reported as charged off, I have not received a 1099C I'm looking at Sueing for statuary damages and will be reporting this to the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an alleged bankruptcy as inaccurate with Experian. I reached out to the Original Creditor which is the " US Bankruptcy Court Of XXXX '' and THEY RESPONDED BACK STATING THAT THEY DO NOT VERIFY BANKRUPTCIES WITH ANY CREDIT BUREAUS. 

XXXX was also unable to verify this alleged Bankruptcy so THERE IS NO absolute way that Experian is Verifying this alleged Bankruptcy ... Because these are the two ways That Experian Claimed to have verified the alleged bankruptcy. 

In light of the recent changes to the FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. 

I've attached the Bankruptcy Court Response and XXXX response also stating they couldn't verify the bankruptcy. 

This is a violation of the FCRA Also a violation Of the FDCPA
Product: Credit card or prepaid card

I WAS GOING THRU SOME OF MY OLD STATEMENTS AND FOUND A CHARGE I DID NOT APROVE. SO ON XXXX I CALLED XXXX XXXX  AT XXXX FOR CARD NUMBER ENDING IN XXXX I SPOKE WITH XXXX AND EXPLAINED THAT I FOUND A CHARGE ON MY CREDIT CARD FROM XXXX MERCHANT NAME WAS XXXX XXXX XXXX FOR {$2100.00}. AFTER EXPLAINING THAT I DID NOT GIVE THIS COMPANY MY INFORMATION AND DID NOT DO BUISNESS WITH THEM SHE PUT IN A FRAUD COMPLAINT AND THAT CASE NUMBER IS XXXX. AFTER A FEW WEEKS I GOT A LETTER FROM XXXX  STATING THAT THEY CANT HELP ME CAUSE IT EXCEEDS THE DATE IN MY TERMS AND CONDITIONS! IM SORRY BUT IM SUPPOSED TO BE PROTECTED FROM FRAUD AND HAVE FRAUD INSURANCE THIS IS NOT RIGHT!
Product: Student loan

I am submitting this complaint because XXXX has not corrected my inaccurate payment count for PSLF. 

I graduated from law school in XX/XX/XXXX and began public service employment in XX/XX/XXXX. My 2 Direct Loans that were consolidated on XX/XX/XXXX, with income-based payments beginning in XX/XX/XXXX. All of my employment since XX/XX/XXXX has been PSLF qualifying employment, and I remain in public service. These are the three outstanding issues with my PSLF payment count : First, under ineligible payments, it still shows that 6 of my payments for the subsidized loan - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - and 4 payments for the unsubsidized loan - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - because they were allegedly received " outside the payment window, '' but that does not make sense because my payments have been on auto pay and have always been due the XXXX, which is the date they were paid. 

Second, for both loans, it says " you did not have a bill due for this payment period '' for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I have one consolidated payment for both loans and I made a payment on XX/XX/XXXX and XX/XX/XXXX, which should both count for the XX/XX/XXXX and XX/XX/XXXX payments since they are within 15 days of the payment due date. I am reattaching my student loan history, please see pages 5-6 and page 10. 

Third, I was on income-based zero payments from XXXX as a result of my XXXX service. During those years, my loans were with XXXX XXXX XXXX. None of these payments are accounted for or showing up in my history in any way. I am supposed to receive credit for nearly 2 years of these XXXX payments - I intentionally signed up for income-based payments during these years for PSLF purposes- but they are not being added to my count. 

I have been in public service for over 11 years and have been making following the income-based repayment requirements throughout that time- please help me get the payments credited. Thank you for your assistance.
Product: Debt collection

This is regarding the same alleged debt as the previous reports. I was called by a XXXX XXXX XXXX on XX/XX/XXXX, XXXX, twice on the XXXX, XXXX times on the XXXX and once in the XXXX regarding it. When I talked to them they refused to give any contact information other than their website RCApay.com and their phone numbers were all spoofed so I did not report it at the time. 

After that I was contacted by XXXX XXXX XXXX. Twice on XX/XX/XXXX and once on the XXXX and XXXX. This is the only one that I was able to ever get an actual address for and I sent a dispute letter by registered mail. They never replied. 

With every one of these I have received no mail correspondence in spite of verifying the address and requesting further information regarding this alleged debt. The only thing that I have been able to determine from all of the harassment is that it apparently originated from XXXX they XXXX XXXX XXXX  and went to collections in XXXX. 

Which brings us to the current complaint against XXXX and XXXX, who contacted me on XX/XX/XXXX. They claim to be a law firm that will be pursuing legal action against me. I tried to tell them the same thing that I have told every other one of them. All I want is documentation of the validity of this debt that I do not recognize and I would be willing to discuss paying what I legitimately owe. He immediately resorted to threats of court. 

When I brought up the statute of limitations issue with the entire thing and the illegality of that threat he then lied about the statute of limitations, trying to claim that it is XXXX years in Illinois when it is XXXX for credit cards. Even at XXXX years it would still be well past that from whenever the last payment was made. 

He did nothing but spout off random rubbish, demeaning comments, and threats. Insisting that there was no obligation to even respond to a debt dispute letter because three other companies had the debt previously. He refused to acknowledge the fact that those other companies would not even give me an address.
Product: Credit card

I recently filed for a credit card and was declined unlawfully under the reference number XXXX .According to 15 U.S. Code 1691 : ( a ) It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; because all or part of the applicants income derives from any public assistance program ; or because the applicant has in good faith exercised any right under this chapter ( b ) It shall not constitute discrimination for purposes of this subchapter for a creditor to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination ofcredit-worthiness ; to make an inquiry of the applicants age or of whether the applicants income derives from any public assistance program if such inquiry is for the purpose of determining the amount and probable continuance of income levels, credit history, or other pertinent element of credit-worthiness as provided in regulations of the Bureau ; 15 U.S. Code 1681 ( b ) Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agencybearing upon the consumerscredit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, the user of such information shall, within a reasonable period of time, upon the consumers written request for the reasons for such adverse action received within XXXX days after learning of suchadverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending out disputes to each one of the credit bureaus : XXXX, Equifax, and XXXX  since XXXX and they have yet to respond to any of my disputes or provide any results. I have done my research and they are still supposed to be providing results despite of the pandemic. Legally they have 30 to 45 days to respond so why has it been over 5 months and still no response to any of my disputes? I need erroneous items removed from my credit file and you are required to respond to me.
Product: Credit card or prepaid card

On XX/XX//23 a payment of {$1000.00} was withdrawn from my account. This was meant to be {$100.00}. I contacted Synchrony the following day to request a refund less the XXXX dollars as this was an incorrect overpayment. I was unable to stop payment with my bank as it was already posted once I realized the error. I was on the phone with Synchrony for over an hour speaking to a rep, attempting to get resolution. I was told that the turn around time was XXXX weeks to get my money back and only via physical check. I asked for a supervisor and held in the ensuing hour with no one coming on the line. Ultimately i asked the original rep to process my request. It's now been over XXXX days and I do not see the funds dispersed from my account, which the rep said would occur and would confirm the funds had been distributed. Even if the funds are distributed at this point, they are sent regular mail and I would not receive them within the original timeframe provided. This is the second month in a row a payment issue has occurred, the first i was able to resolve directly with my bank. These are vital funds I need to pay my living expenses, including health insurance and food to feed myself and Young son. Its unacceptable to have no easy route to resolve this without very long hold times and to not receive the funds at all. Secondly, I do not believe using their website on a mobile phone is user friendly and things are not clear enough to avoid an error with payment. I'm no longer confident in using this when making payments with them anymore.
Product: Student loan

Hello my name is XXXX XXXX I am a co-signer for a Sallie Mae XXXX XXXX XXXX I paid it in full and they havent sent my statement that its been paid in full and Ive called 23 times already and requested a statement that this loan is paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to get my name straight on my credit report. XXXX XXXX XXXX is my name please remove any other name from my credit report it is not accurate. I have only one employer XXXX. please remove any other employer from my report they are not accurate. I have a few unverified account I am not sure how they showed up on my report never done business with these companies?? Please forward me the proper verification this is the third time I have complained about this accounts on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : 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 or other personal consumer reports

To Whom It May Concern, On XX/XX/XXXX I mail a certified letters to the credit bureaus requesting that the following inaccurate & fraudulent items be immediately investigated and Deleted in order to show my true credit history. Its been nearly 4 months now, and they still havent remove the inaccurate information or send any verification. 
I demand that the following items be re-verified and deleted from my record. I have attached the FTC report along with my SSI and Driver 's License. 

These items do not belong to me. 

Company Name : XXXX XXXX Date : XX/XX/XXXX ( Charge off ) Address : XXXX XXXX XXXX City : XXXX XXXX XXXX State : UT Zip : XXXX Company Name : DEPT OF ED/XXXX Date : XX/XX/XXXX ( Charge off ) Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX State : XXXX XXXX Company Name : DEPT OF ED/XXXX Date : XX/XX/XXXX ( Charge off ) Address : XXXXXXXX XXXX XXXXXXXX XXXX City : XXXX State : NE Zip:XXXX
Product: Mortgage

On XX/XX/XXXX, I called village capitol about my payment, why it has never cleared. 
The lady on the phone said they never received it. I then explained that my bank sent a check for XXXX dollars to them on the XX/XX/XXXX and it reached XXXX texas on the XXXX. They said that they have had problems with the XXXX mailbox. I asked her why they had not gone to the post office or checked the post office box for the payment, she said she did not know why it had not been picked up or recieved. I then called my bank they said they had sent it, I then looked online account and it showed it had been sent and recieved at XXXX post office. When I called back after XXXX I told them I would stop payment and call them to make the XXXX payment she then replies that there would be a late fee attached I then asked why she said because they never recieved it. I then said you lost my payment why shouold I be charged a late fee for your mistake, she said again that they had to because it was late. I hung up and called them the day before new years eve and made the payment with the late fee.
Product: Credit card or prepaid card

I did not request a debit card from U.S. Bank ReliaCard. I want these mailings to stop. Anyone could have stolen my mail, and used it to commit fraud in my name. I deeply resent these kinds of mailings. Can't you do something to stop them? Please!
Product: Debt collection

They were only trying to get medical information from me that they are not entitled to, they didn't want any information about the other multiple qualifying reasons for the insurance that was being paid for in the event of the listed events, they don't administer the insurance to begin with. They concealed the account number of the original creditors. Any information that I requested they said that I had to contact the original creditors to get. I also have joined a class action lawsuit for harassment by lvnv. The amount they claim is owed is almost 4 times the original debt. The attorney they are claiming to use has called me and been aggressive and demanding. I have told them not to call me and I have nothing to do with them. They have still called. There was no physical court dates in person to appear only a letter for a zoom hearing. My phone has been tampered with and I can't even access information to verify if anything is factual. Phonecalls are being redirected. Websites are also not reputable. Getting. Com where there should be. Government domains multiple addresses. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
After court date I received a document with no signatures at all supposedly mailed from new York? None of this makes sense. I was redirected here to cfpb from the ftc.gov website.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 shalli ) 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : TRANSUNION- 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  EXPERIAN- 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

Equifax has violated the Fair Debt Of Collection Practice I have sent a dispute regarding account XXXX  that was not my debt, I sent Equifax a letter on On XX/XX/2021 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. on XXXX XX/XX/2021 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/2021. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. On XX/XX/XXXX I sent certified letter requesting method of verification. It has been ignored I have not received any letters for investigation. I spokewith XXXX customer service ID XXXX on XXXX XXXX she implied there is no letters the have received and ignored it I have sent it certified US. Mail it will be attached in the documents. It has been 30 days and I have not received any correspondence from Equifax violating FDCP.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed to experian twice they have an address of XXXX XXXX in XXXXXXXX XXXX i never lived at and will not take off also a XXXXXXXX XXXX and XXXX XXXX that is not mine are not mine
Product: Credit reporting or other personal consumer reports

I sent letters to Trans Union requesting that they remove XXXX collections from my Credit Report due to the accounts reporting inaccurately. I also sent letters to the XXXX XXXX Agencies that's reporting the inaccurate accounts. The Debt Collection accounts that I'm referring to are the following accounts : PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only change made after the investigation was a status change from an open collection account to a closed collection account. XXXX XXXX Companies listed about did not satisfy Consumer Credit Laws stated in the letters that I sent to the said companies.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

on XX/XX/21 around XXXX, I was notified I had a questionable charge made on my credit card. It was for nearly {$800.00} to a company I have never heard of or purchased from ( XXXX XXXX ). I immediately filed a claim with my bank ( Bank of America ) and was advised to report it to my local police department as well for good measure. My credit card is now frozen/suspended and I will be receiving a new one in the mail. They directed me to also make this claim and a precaution and way of documenting this incident. As far as I know, my bank is not holding me responsible for the charge and will monitor my account for the time being.