23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian ask for {$1.00} to check your credit report, but they keep your credit card on file and bill you {$21.00} two weeks after. 
Spoke with their representative XXXX and supervisor XXXX in XXXX and they said that when you approved the conditions they charge you montly! 
Please help,
Product: Credit reporting, credit repair services, or other personal consumer reports

To who it may be concerned, This collection/charge off is a result from a not-at-fault total loss to the vehicle. The remaining balance that was owed after the car was paid off by the insurance company was for the extended warranty ( document 3 ) ( that the finance company obviously cancelled after the total loss and wanted a refund for from the dealership ) which was supposed to be paid by the XXXX dealership to their financial service. They refused for months to pay it so thats why this account went into the negative. From no fault of my own. I complained and complained for months that they needed to take care of this because it was hurting my credit report. Finally after months of getting in contact with them they finally paid it off. So this account is settled, they received payment and have admitted on multiple occasions that this was in no wrong going of my own and they have said for years now they would take this off my credit report but it is still there. I dont understand why my credit report says " charged off '' when they got paid. Included are proof that the vehicle was in fact in a total loss, also included is proof that the amount owed on the car ( minus what I owed on my previous trade which was paid by GAP insurance ) was paid in full. Also included ( document 3 ) is a letter from the creditor to the dealership requesting a refund for the extended warranty ( which is the amount that got charged off ). So you can probably see my frustration as it looks very much like the dealership didnt want to pay it back to the creditor which is a division to their own company! Also included is the GAP insurance claim which paid off the balance owed after the settlement. Please help me resolve this issue I have been trying to get this resolved with XXXX XXXX XXXX XXXX for three years now with no luck. I have opened disputes with all three credit reporting agencys but nothing seems to be happening. Thank you for your time and any help you can give me. It is very appreciated. 

Thank you, XXXX XXXX
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 XXXX XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

There was a collection account showed up on my XXXX  credit report. I called the debt collector to tell them it is not my account and I never used those services. The representative asked me for my address, but I refused to give my address, as I have been a victim of identity theft before. The representative started using abusive language and threatened to report the debt to all three credit bureaus to damage my credit. I hung up the call as she started becoming more abusive. I have not used those services, and I can prove that that is not my debt, but I did not want to give out my personal information to that collection agency.
Product: Payday loan, title loan, or personal loan

I received a loan from speedy cash on XXXXXXXX and XXXXXXXX XXXX XXXX TN my line of credit was XXXX dollars give or take some. I was faithful in making payments until my medical alert dog got deadly sick. For which the cost was extremely expensive for someone like me because I live on social security. I am XXXX. I went to the company to notify them of my inability to pay I explained to them the situation regarding my medical alert dog and asked to negotiate but I was refused. Instead of stopping the pile of interest rates taxes and fees once they knew I couldn't pay they claimed that I agreed to acquire insane amounts of interest taxes and fees as well as the amount I owed them. When I informed speedy cash of inability to pay I only owed {$610.00} they then sold my information leaving me now owing {$1100.00}. I did not agree to in any way to allow unfair amounts of interest taxes and fees to build up as speedy cash claims. Medical alert dog 's are federally protected through the Ada and Dept of Justice I have federal obligation to maintain my XXXX XXXX animals safety, wellbeing, and health inCluding nutrition, exercise, protection, AND ALL MEDICAL NEEDS. I will be including a signed document from my XXXX assigning my dog to service. As well as a photo of said XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of accounts and inquiries related to my credit report as I have become a victim of a data breach, as described under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ).

The following inquiries appear on my credit report and were not authorized by me : Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus reporting XXXX XXXX XXXX FOR {$880.00}. I sent my first dispute letter to all 3 credit bureaus on XX/XX/2020, the 2nd letter on XX/XX/2020, XXXX letter XX/XX/2020 and 4th letter sent on XX/XX/2020. Each letter sent was certified mail with affidavits attaches each time. I was challenging the validity of account for a XXXX XXXX account. I started with the credit bureaus ask them to validate the information and every time they stated correct but never provided any information just would update the remarks on credit report as meets standards. I also reached out to the collection company filing a debt verification on XX/XX/2020 and asked them to verify the debt but after 30 days no response from XXXX XXXX. Attached you will tracking information of letter being sent certified to XXXX XXXX  with return receipt. while looking at my accounts I noticed that the " Dates Open : varied on credit report and " Dates last active '' also vary on my credit report. I believe I have exhausted all my resources and have not received a sufficient response from collection agency or credit bureaus. At any point during my request has anyone provided any information or updated me properly on what was found so I could understand why this account is valid. At this point I'm trying to purchase a home and improve my credit situation but as I reach out to the credit bureaus I have receive no assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I checked my 3 credit reports and saw a bad remark that is on my report and is NOT mine. It says {$1100.00} XXXX XXXX XXXX. XXXX XXXX. Never had I ever signed up for XXXX XXXX  and I have 0 negative remarks on my credit. So far this has showed up on my equifax and XXXX report and I demand they remove it. This is damaging my credit report! This just showed on my report this month and I have NO idea why this is on my credit reports.
Product: Debt collection

XXXX XXXX XXXX XXXX  {$240.00}. This account has caused me financial ruin. I have asked this account to be removed. XXXX XXXX XXXX  said this will be removed. which didn't happen they have only closed the account. because it was open in error
Product: Debt collection

The following company never proved their methods of verification through several stages of written credit disputes : SELF / XXXX XXXX The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I pulled my credit report, going over, I found out multiple accounts that did not belong to me, knowing this I started to do my own research to know how to remove the accounts that did not belong to me. on XX/XX/XXXX, I started disputing the incorrect information using different types of letters. After been disputing wrong information on my credit report for about a year, the accounts that were not mine were removed from my credit report, but, no too long ago I received a collection letter from XXXX XXXX XXXX trying to collect on Behalf of XXXX, one of the accounts that were included on my identity theft package, after disputing the account via CFPB, they removed the account, unfortunately, just a few days ago, after checking my credit report, I found out that a new collection ( XXXX  XXXX ) came up collecting on the same account. 

Attached is my Affidavit of Identity theft package for your reference.
Product: Credit card

I was using insurance and credit cards from USAA ( parent company ). I had a break in happen and lost a piece of fine-art worth {$150000.00} retail. Insurance company said it was only worth {$500.00}, credit card company tried to get me to keep paying them, turning the situation into slavery/indentured servitude ( illegal, abolished in XXXX - XXXX amendment of the constitution ). Now they are damaging my credit rating even though they owe me for my insurance with them.
Product: Debt collection

Nationwide debt management solutions has been repeatedly calling my job several times a day sometimes not identifying themselves. They have also contacted my brother also not identifying themselves, he said that they were rude and threatened him. I have contacted them once and told them I do not owe the debt they claim I owe and they still repeatedly call my job several times a day.
Product: Vehicle loan or lease

I was told in XXXX that XXXX XXXX XXXX was going to be remove. 
Now I'm looking and I call and spoke to a XXXX he stated that my copy wasn't matching with his. And i should forward the original copy. again, I have call numerous times and still they give me the same round around.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXXXXXX
Product: Mortgage

OCWEN is in the process of foreclosing on my home. OCWEN claims that I 'm thirty + payments behind, which is not so. If true, why wait so long to notify me? 
I submitted a " Complete '' Loan Modification Package XXXX, XXXX 2015. OCWEN waited until the end of XXXX 2015 to contact me stating the package was incomplete " UNTRUE ''. 
I 'm in the process of submitting yet another Loan Modification Package to OCWEN. 
When I pull up my account on the OCWEN web site it states Current Balance = {$0.00} Amount Past Due = {$0.00} Amount-Status = CURRENT. I have made copies of these statements. I do n't understand how OCWEN can get away with this malpractice? 
OCWEN hired a law firm in the XXXX 2015 claiming I had not been making my mortgage payments. It 's a good thing I had the proof that these payments had in fact been made. Not a single word back, until the Letter-Of-Demand, & Foreclosure Notice. 
Before OCWEN claimed amount due was {$160000.00}. As of yesterdays letter Ocwen states the amount due is {$270000.00}. How can this be?? 
Every time I turn around the amount they claim I owe is different. From last month to this month the amount has gone up well over {$10000.00}. How can this be?
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding my persistent and unsuccessful attempts to have late open accounts corrected on my credit report with Credit Bureaus. These inaccuracies have had a significant adverse impact on my financial well-being and creditworthiness. 

I first noticed these discrepancies on my credit report dated, and since then, I have made multiple attempts to have these inaccuracies corrected. I have communicated with your agency on the following dates : I was assured that the necessary actions would be taken to rectify these inaccuracies. However, despite my best efforts, the late open accounts remain uncorrected. 

To support my complaint, I have attached copies of the following documents : Copies of my credit reports, clearly highlighting the late open accounts. 
Any correspondence exchanged with your agency, including reference numbers or case IDs. 
Any other relevant documentation, such as dispute letters or proof of accurate account opening dates, if applicable. 
I insist on a thorough and immediate investigation into these inaccuracies and request that your agency takes prompt action to correct my credit report. These inaccuracies have had a direct and detrimental impact on my ability to secure credit, employment, and other financial opportunities. 

Furthermore, I kindly request a written confirmation of the actions taken to resolve this matter and regular updates on the progress of the investigation. Kindly assist me to correct the following accounts in my credit report : DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$5100.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$4500.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$2200.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$4900.00}.
Product: Vehicle loan or lease

Date XXXX Purchase for XXXX was told I was buying it for XXXX Tried to contact them but no one in finance department would return a call or connect to the persons solve my issue My name was forged on a different contract other than the one I signed Capital one ( finance trough ) XXXX  XXXX in XXXX XXXX Was that the finance manager who handled my transaction no longer works there
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 take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process XXXX 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

This company Checkr, by way of fraud, stole my information and sold it to an employer without my consent or knowledge. They then admitted to the fraud by sending me a mailed/emailed copy of them furnishing my information. 

This has prevented me employment for the past 3 years.
Product: Debt collection

1. Received a letter from XXXX, XXXX stating that I owe a XXXX debt. Letter came on XX/XX/2022. 
2. Called company right away and they said I did owe the debt and they would not explain any of it to me. Also, I asked for proof of the debt and was told that was in the letter ( it is not ). 
3. Told company that I NEVER had a Pay in 4 account EVER. They stated that I was still responsible for the {$620.00}.
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 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have been in the financial industry for over 14 years. Understanding the dynamic of how our DATA is used has been on my mind for years. Particularly during incidents where companies have data breaches. For extra security, on XX/XX/year> I opted for a PERMANENT OPT-OUT ELECTION FORM. Recently my husband applied for a VA XXXX loan and the amount of marketing and solicitation calls was beyond overwhelming for myself personally. How could all these people have my information if I opted out. In trying to figure out how my information was distributed, I received from my current lender XXXX, resulted in me understanding my information was still being sold by the credit reporting agencies. This is very disheartening because many companies have global means to distribute my information without me having any recourse. 

Additionally, I would like to file a complaint against XXXX but am limited to XXXX companies via this software. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of the West has made it harder for me to obtain loans and get help in this hard time reporting false information to XXXX, and XXXX XXXX causing damage to my credit score making it even harder to provide for my family it's been very stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to update/correct my following personal information below on file with the way you are reporting it. 

Incorrect Name : XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

Incorrect Address : ( These addresses are incorrect and are not an accurate address for me. Delete these addresses for violating the FCRA. ) XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXY XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PR XXXX
Product: Checking or savings account

Someone fraudulently accessed our XXXX account and sent themselves XXXX in illegal wire transfers. We dutifully reported this to our bank who closed the case, and claimed that it was a legitimate transaction authorized by us. They are now actively participating in defrauding us of our own money and refuse to assist.
Product: Payday loan, title loan, or personal loan

I contacted MoneyLion several times to cancel my paid membership and was told I can't because I still have an active loan that is pending collections. I told them the debt owed was included in my Chap XXXX bankruptcy filed on XX/XX/20 and discharged XX/XX/20 and I could provide documentation to prove it. They said the bankruptcy hasn't gone through on their end and I have to wait until that happens before I can cancel the membership. They continue to charge me a weekly fee for a service I am not using. The debt is being reported as included in my bankruptcy and showing a XXXX balance on my credit report.