23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was reporting information to XXXX, Equifax and XXXX ; who were then reporting false and inaccurate information on my credit report. XXXX was reporting that I had a balance of over {$150000.00} for a used XXXX XXXX XXXX. I have already invested over {$15000.00} into the vehicle with a remaining balance of around {$11000.00} and them reporting that I owe over {$150000.00} has hurt my ability to get other credit lines because of the debt to income ratio. I have tried through the CFPB, also through calls to the company with no avail until last week when I filed a complaint with the attorney general, comptroller and left a review with the XXXX Then when I called XXXX back and told them about my complaints I was forwarded to the correct department finally XXXX XXXX XXXX XXXX XXXX  who esculated my call and since then XXXX has corrected the information on my report. However, today I received a response through the CFPB from XXXX still stating that the infomation is verified through XXXX which is a lie. Misinformation is false or inaccurate informationgetting the facts wrong. Disinformation is false information which is deliberately intended to misleadintentionally misstating the facts. According to FCRA 1681n that is a willful violation on behalf of XXXX and I demand compensation. And if they have corrected the information and aren't publishing their fault on the CFPB by stating that they are sending a letter they are not being fair and are in violation of 16 CFR 433.2 and they are committing language fraud violating 17 CFR 424. I've attached my credit reports from all 3 credit bereaus proving the reporting of wrong information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XX/XX/XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XX/XX/XXXXXX/XX/XXXX 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Money transfer, virtual currency, or money service

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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am refiling this complaint to EQUIFAX, XXXXXXXX XXXX has breached CARES ACT. I was on Forbearance due to Covid 19 however I have signed a PARTIAL CLAIM already and my resumption of payment is from XX/XX/2022 how on earth do I have an overdue of 30 days with my XX/XX/2022 PAYMENT? You have the letter from XXXXXXXX XXXX  confirming the same. 

Please re-open my dispute.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, alXXXX 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 XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charged-off account with XXXX XXXX XXXX XXXX -XXXX  XXXX. They are reporting incorrect information that is affecting my credit score. The account is charged-off ( since XX/XX/2018 ), and the last reported activity happened in XX/XX/2018. However, EVERY month since XX/XX/2018 to present XXXX XXXX reports me as being 90 days late to Equifax. How can they report me 90 days late on an account that is charged off?
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota financial services received refund from service contract cancellation in the amount of {$1600.00} on XX/XX/XXXX. The monthly payment for the car was {$330.00}. TFS applied {$1600.00} towards principal and reported 30d late on XX/XX/XXXX. 

Signed contract does not show terms regarding service contract cancellations. Customer was under informed and had no chance to know that service contract cancellation refund will not be applied towards monthly payment. Please follow signed terms of a contract. 

TFS informed customer that payment will be applied towards principal after 30d late mark was already reported ( as per conversation with TFS representative on XX/XX/XXXX ). There was no information given to customer prior reporting 30d late that a service contract cancellation refund will not be applied towards monthly payment.
Product: Debt collection

In XX/XX/XXXX I had XXXX as a provider for cable/wifi services for a rental location of XXXX XXXX XXXX, XXXX, MI, XXXX. Account XXXX. XXXX. During my service, I opted for automatic payment from my credit card to ensure that all bills were paid on time. In XX/XX/XXXX, I called and formally terminated my service, as my lease was up at this location. I was told my account was paid in full. My last payment posted on XX/XX/XXXX in the amount of {$49.00}. Because of the partial month, I was issued a credit on XX/XX/XXXX in the amount of {$37.00}. 

On XX/XX/XXXX, I had mail forwarded to me by the US Postal Service, from Diversified Consultants, Inc. who informed me that they have been referred by XXXX for collection of {$37.00} debt. XXXX XXXX XXXX XXXX : XXXX. 

I contacted XXXX for the 3rd time since XX/XX/XXXX and spent and hour on a chat session ( chat ID : XXXX ). I was informed that XXXX would be issuing a credit, so that there would be a {$0.00} balance on my account and that the collection effort would be terminated. 

In so much that I have continually attempted to affect a complete closure of this account, I have no faith that this errant debt collection will be terminated. Both companies need to be punished for their failures to appropriately account for my service.
Product: Credit reporting, credit repair services, or other personal consumer reports

i dont know why this is still reporting on my report when I have already toldf Transunion about them violating my rights by keep posting this account like its mine. 
Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account was opened : XX/XX/2017 Account Balance : {$660.00}
Product: Credit reporting

In XX/XX/2009 a IRS tax lien was applied to my property, and has since been paid.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you of the fraudulent accounts and information you are reporting on my Credit File that has damaged my Credit Worthiness. I researched on how to remove the fraudulent items from my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : : XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV, XXXX : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$1300.00} : XXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$1000.00} : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$680.00} : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XX/XX/XXXX Unpaid Balance {$1400.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Unpaid Balance {$970.00} XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Unpaid Balance {$830.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Unpaid Balance {$770.00} XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Unpaid Balance {$740.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted due to fraud, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Santander Bank refutes to let me bank online because it repeatedly and adamantly demands that I give it a cellphone number! I have repeatedly stated to the branch manager, XXXX, New Jersey, that I do NOT have a cellphone and so do not have a cellphone number. I repeatedly stated that I have given the Santander Bank my land telephone number, my Social Security number, my driver 's license number, and my home address!

But still the Santander Bank is not at all satisfied and continues to demand what I do not have!

This is absurd and preposterous and XXXX and XXXX and lacking in all common sense and sound judgment!

In short, the Santander Bank for the reasons given is being totally and completely XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Transworld System , Inc., representing XXXX XXXX XXXX XXXX XXXX ( XXXX ) has been receiving payments on a debt via tax return offset since 2014 ; and receiving monthly payments via garnishment from social security benefits ( 10 %, {$110.00} ), and payroll garnishments. However, monthly statements do not reflect any payments from the above mention streams, and do not reflect a reduction in the debt balance. Where are these payments? When contacted, both entities, each stating, verbally and in writing, that no payments have been received. However, I have received notices from the Department of the Treasury that payment interceptions have been made.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , IncXXXX to XXXX XXXX XXXX XXXX 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 a XXXX Was unfair and deceptive, as they & Ad 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

Just check XXXX XXXX and notice there is a breach on my Credit report concerning XXXX XXXX! I don't have an account with PNB bank in XXXX! This is a fraud account and there was Identity theft in XXXX due to my social security number being compromised for many years! I have fraud alerts on my accounts but somehow this error slipped thru the cracks! I want all the credit companies to be aware which they should have been and remove any negative activity because this is affecting my score! Sincerely, XXXX XXXX XXXX! ****Please remove this name called XXXX XXXX XXXX XXXX my files, this name is being used for Identity theft purposes and is fraudulent. Keep the credit companies and consumer reports aware as well! Thank you!
Product: Student loan

To whom it may concern : 1. NAVIENT continues to charge student loan interest on my federal loans despite the federal government passing the CARES Act that suspends interest on federal loans from XX/XX/XXXX - XX/XX/2020 because of the CORONA VIRUS. 

2. NAVIENT continues to process my monthly student loan payment incorrectly in order to ACCURE INTEREST and LATE FEES. 

Thank You
Product: Checking or savings account

Filed a dispute on the charge against a company that didnt complete work for my home. The company submitted fraudulent documents and I have proof to show that. USAA never attempted to reach out to me during the investigation to verify documents or discuss the investigation. They immediately took the word of the company without even discussing it with their member. Now they have told me they wont do anything about it and it is up to me to deal with it directly with them and in court. USAA has scammed me out of money and is a horrible company to bank with. I would never recommend them to anyone. They have become so horrible and dont do anything to assist their customers. Someone from their member solutions team called me and said their investigations dont need to involve the member and its up to their discretion how they complete their investigation. It makes no sense that they wouldnt reach out to all parties and listen to all involved but thats the kind of company they have become. 

On XX/XX/XXXX I hired XXXX XXXX XXXX XXXX to come out and diagnose and fix my washing machine. XXXX came out and diagnosed the issue as a lid lock issue. I agreed for him to complete the work to fix it. Once he did the work the washing machine still did not work. He told me it must actually be a drain pump issue and that he doesnt have any drain pumps with him and he would have to order it. XXXX never came back out to fix the machine. I have tried to call the company back multiple times and they never responded to me. I was charged {$340.00} for this work that was not completed. I then disputed the charge with USAA. USAA did their investigation and just now in XXXX Im finding out that they have accepted the charge and believe XXXX XXXX XXXX XXXX because they submitted documents to prove it. The documents they submitted however are falsified. They have fake signatures and dates on them as I have a copy of one with different signatures and no dates. XXXX XXXX lied about everything, wont contact me and USAA wont help me. They have told me they believe the other company over me and wouldnt review any documentation I had to submit. They told me I had to go to court or work it out directly with them even though the company does not speak with me. 

The document that is all in black and white showing two signatures show the work was started and completed with the date of XX/XX/26. My receipt is the colored copy with only one signature on the started work line and no date. Neither of these are my signature at all. My signature look nothing like this to start with. And the third document is a screenshot showing I received a copy of this receipt on XXXX. Meaning the dates on their receipt are falsified because how could I receive a copy of the receipt on XXXX with one signature but their copy shows a signature and a date for XX/XX/26.
Product: Mortgage

getting caught up on payments but they needlessly send by unidentifed persons to take pictures and leave finincial information where anyone can access that information
Product: Credit card

My XX/XX/XXXX statement showed interest billed of {$100.00} but my previous statement from XX/XX/XXXX had a statement balance of {$1000.00} and I paid {$800.00}. I should have only been subject to 29.74 % APR on XXXX. In no way could this have added up to {$100.00}. 

Furthermore, my XX/XX/XXXX statement does not include the required Minimum Payment Warning. 

I chatted with support on XX/XX/XXXX and they advised the interest charges were due to trailing interest and they gave me a {$25.00} courtesy credit. I decided to call into support as well and the agent noted that he agreed something was incorrect and that I had no balance subject to trailing interest as previous statements were paid in full. He advised he would open a case but then disconnected the call.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that Ive been victim of Identity Theft and found numerous credit inquiries I have no knowledge of here are the inquiries Ive have found ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us bank XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I mailed off correspondence to Equifax. According to USPS tracking records they received my notice XX/XX/XXXX which they have ignored me and my request again. There is an address on my report that does not belong. When I XXXX  the address they're reporting it shows that it is some random apartment building in XXXX in XXXX XXXX XXXX but on my report there is no apartment number? Also, I have disputed with them in the past about these accounts being erroneous but I received no response! They have not responded to my mails that I have sent certified and are willfully disregarding my rights as a consumer and in doing so breaking the law! This is unacceptable and should not be happening. I have records from every time I have communicated with them and have provided them my actual address to contact me and they have yet to do that. I never gave them my permission to report these accounts so they need to delete them and send me a copy of my updated report, that's what it says on your CFPB.gov website! I'll provide a copy of the letter that I sent them to you and show my demands.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH 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 my 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted disputes with Equifax and XXXX. On XX/XX/XXXX, the accounts was removed from my credit file. On XX/XX/XXXX the same accounts that was removed from my credit file was added back to my credit file with out any notice from Equifax and XXXX.