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

Date:XXXX  The Credit bereaus stated Account Name & Account XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting or other personal consumer reports

this account is closed with a XXXX balance I had to file for bankruptcy because Toyota kept harassing me over the phone and sending people to my house Toyota keeps ignoring my request and keeps hanging the phone on me all of this has caused me emotional stress and XXXX  issues
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX - {$6700.00} XXXX  - XXXX - {$0.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I periodically get alerts from XXXX and they were sending me alerts that there were inquiries on my report that I did not authorize. I did contact the creditors to find out if they extended credit to someone in order to determine if this was a case of identify theft and there wasn't any credit extended. I am not sure how my information was shared but I do want the inquiries removed. I have already contacted XXXX in order to have them removed from their file. 

I am seeking to have the following credit inquiries removed from my credit report. 

TransUnion : 1. XXXX XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX, DE XXXX 2. XXXX XXXX   XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX. XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : 1. XXXX XXXX    XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX N.. 
XXXX XXXX, MN XXXX XXXX. XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX, DE XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX. XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Debt collection

Received a phone call at XXXX claiming that this XXXX XXXX was trying to reach out about a lawsuit that was attached to the social security number and that action needed to be taken asap. I googled the phone number that was on Caller ID and it is not registered to the place XXXX was claiming she was calling from. XXXX claimed she was calling from GLC Associates but when I searched the company their website said they were a work safety consulting company. I searched the XXXX number and a GCL Financial Group came up with a lot of consumer complaints. I also searched the XXXX for GLC Financial groups where consumers complained of this company being a scam and taking money.
Product: Student loan

On XXXX XXXX a payment of {$XXXX} was made to MOHELA through my XXXX pay at XXXX XXXX. This payment was not applied to my student loan. Dialog and communication with XXXX XXXX indicated that the money was sent to and received by MOHELA. That fund was never returned to my account and MOHELA has my account in past due. I uploaded communication from XXXX XXXX  to say MOHELA had received the payment. Repeated and numerous calls with extremely long wait times are proving futile in resolving this issue. At times representatves answer the phone place you on hold and never return to conclude the conversation. I am requesting that thorough investigation be doe in regards to the missing funds which was never applied to the account nor returned to my bank account.
Product: Debt collection

XXXX XXXX of XXXX, TN has been trying to collect a debt from me owed to them by my worker 's compensation claim insurance for an ambulance service that was on XX/XX/2019. I have been contacted by XXXX XXXX and various collection agencies to try and collect this debt from me. Over the last few years, I've provided written letters, workers compensation medical claims info and verbal phone calls to inform these companies that the debt is owed by worker 's compensation claim and NOT by me as an individual. I have also asked them to cease and desist in contacting me, however, they continue to bounce this debt request around to different companies to get around having to abide by the cease and desist request. 
At this point, I need them to contact the worker 's compensation provider directly ( XXXX ) to file claim and remove me from all communications harassing me and continuing to bounce this around to other companies, requiring me to provide documentation each time that has been provided already. Please help make it stop.
Product: Checking or savings account

On XX/XX/year>, I filed a dispute with my bank SoFi on a {$700.00} transaction to XXXX from XX/XX/year> for non-receipt of items paid for. I paid for tickets and never received them for the event. I filed the dispute with SoFi on the date listed above and have followed up multiple times for an update. Each time, it has taken days to get a response and I still have no resolution on my claim- it is now 131 days since I filed the dispute and Im still out {$700.00}. SoFi has dragged their feet with excuses throughout this process and this needs to be resolved.
Product: Prepaid card

XXXX  days ago my social security was started. XXXX direct, comerica bank is the company which social security uses to handle the pay cards. 
They never verified my address and sent the first card to a XXXX XXXXXXXX XXXX address i do not live at. We discovered the address discreppency they nulled the first card and expidited a card to me charging # XXXX. 
I recieved the card and tried to activate it. They required me to send copies of my id to them and was told a security code would be sent to me. This was never sent.
Product: Consumer Loan

miss lead by sells rep during time of purchased vehicle in which ; car was never inspected/ warranty as stated claim by sell rep ; car will not past state inspection for past XXXX, inoperable/ unsafe to drive, excessive cost of repairs $ XXXX, predatory lending with excessive interest rate XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I was living in XXXX XXXX XXXX and I had to leave because I couldn't afford it anymore at the time because of work issues. When I left I cleaned up the apartment and left in good terms with them other then that i was behind 3 months of rent, which with the late fees came to around XXXX XXXX it is in collection right now with hunter Warfield for around XXXX XXXX. It's unfair for them to add that much it.
Product: Payday loan, title loan, or personal loan

Citizens One billed me for a loan to pay for an XXXX XXXX all access purchased at XXXX. I never purchased an XXXX XXXX at XXXX and never applied for a loan to pay for the nonexistent XXXX XXXX. The most recent statement asserts a balance of {$870.00}. The last four digits of the bogus account number is XXXX. I do not know the account number. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. 
The first bill from Citizens One was dated XX/XX/2021, and the transaction date was XX/XX/2021. My first attempt to correct the problem was a telephone call that was transferred to 5 people before it was dropped by the 6th person who I was referred to. The toll free number was XXXX. Thereafter, I was referred to the fraud department at XXXX. Subsequently, I submitted my dispute in writing as directed to Citizens, XXXX XXXX XXXX, XXXX, Nebraska XXXX. A certified letter was sent on XX/XX/2021 and was delivered to XXXX on XX/XX/2021. There has been no response from Citizens One to date. A second statement from Citizens One dated XX/XX/2021 arrived on XX/XX/2021. The billing address is Citizens One, XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX. A letter was sent denying the claim which has now grown to {$870.00}. A copy of the XX/XX/2021 letter was enclosed. Thereafter, a second certified letter was sent to Citizens One at two addresses : Disputes Department at XXXX XXXX  XXXX, XXXX, XXXX XXXX and Account Services at XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX. This mailing included the XX/XX/XXXX letter and a new one dated XX/XX/2021. In the second certified letter I asked for relevant documentation in order to file a police report. Citizens One has not responded or acknowledged receipt of my correspondence. They proceed to treat this as a normal loan thereby ratifying the original theft and fraud. At present it appears that Citizens One is trying to profit from a crime. All credit reporting agencies have been notified.
Product: Credit card or prepaid card

hello, the following cc company ( NAVY FEDERAL CREDIT UNION ) are reporting the wrong information on my credit report. I have never been late or missed a payment, yet they have me showing 30 day late. the problem I have is that the last report date and active date and payments dates are all inaccurate. each of the 3 cb are showing something different. they only report what they are giving. so with that being said whos to say the information that im 30 days late isn't an error on the creditors end. I would like them to fully investigate the problem and make the correct changes to there error.
Product: Student loan

My father applied for a Navient loan in XXXX. He asked me to co-sign since his credit was destroyed by his lack of employment following XXXX XXXX XXXX I agreed to co-sign following the stipulation that I am removed from the account within XXXX year of payment. Fast forward to XXXX, I asked to be removed from the account due to the fact that I was purchasing a home and it was factored in the debt-to-income ratio. He was unable to do so because the account did not have XXXX consecutive months of on-time payments. We are now in XXXX and I applied for another mortgage. In addition, paid {$180.00} per month over the years to be eligible for removal from the account. Navient denied the request because the payments were not coming from his account. 

I am an XXXX XXXX member with a XXXX XXXX. I explained that I can not stop making the payments, and just solely leave it up to him since I am on the account. I must maintain my XXXX and career outlook by ensuring the payments are made. The account has had on-time payments since XX/XX/XXXX. This is well over the one-year requirement for a co-signer to be removed from the account. However, now Navient is stating that he has to make payments on his own without my assistance. I can not risk this due to my career and XXXX XXXX Navient should reconsider this policy. Especially for individuals in the service. Or, make this abundantly clear at the beginning of the cosigning process. I feel as if I am stuck in this financial situation until the loan is paid off or I am retired from service.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$25.00} XXXX XXXX XXXXXXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$330.00} XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
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. 
XXXX 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 30. % K financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 1 employer that is incorrect and 2 previous adresses that are incorrect that need to be deleted. Several inquiries that I did not authorize that need to be deleted. I also have several accounts that are not mine and one that I was never late on and one account i want to validate
Product: Credit card or prepaid card

XX/XX/23 was 2 hours late chargedXXXX late fee by Revvi I called to get the late fee took off said no ask speak to supervisor said no too
Product: Credit card

XXXX of XXXX I made a purchase that was to be XXXX interest for XXXX months. XXXX I received a notice that I was being charged interest and they will stop charging me interest now. No interest was refunded back to me and when I spoke to someone they said I will be refunded and credited in XXXX. this is a problem for me I have made large payments to get balance gone and I knew something wasn't right. For them to not even attempt to refund me shows fraudulence. I know how banking works. They use our money to continue to make money. So basically you had me paying you well over for a year and than want to continue to use my money until XXXX. It do not take that long to do a refund and a credit for buy inconvenience, I have never paid late and this is beyond just returning my money to me. This is fraud activity and this bank is not to be trusted
Product: Credit reporting or other personal consumer reports

I have disputed my late payments ON XXXX, XXXX, and EXPERIAN regarding the accounts XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX on the date ( XX/XX/year> ). I requested the purchase agreement, bank transactions and proof that I was late with these creditors. The creditor never sent proof that I was late but sent somehow came back verified. The creditor has illegally reported my accounts as late. Please remove this error and any negative information on these accounts immediately. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( 15 USC 1681 ( section 604 A section 2 ) it also states a consumer reporting agency can not furnish an account without my written consent instructions under. 15 USC 1666B states 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 information in section 1637b has been sent. It establishes reasonable procedures to ensure that periodic statements are delivered to the consumer at least 21 days before the payment due date. I would like to request proof that this information was mailed or delivered 21 days before the due date.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 XXXXXXXX
Product: Debt collection

On or around XX/XX/XXXX I received a letter from " The Best Service Company '' attempting to collect on purported monies owed by their client " XXXX XXXX XXXX XXXX  ''. Subsequently upon receiving this notice I immediately contacted their company and requested pursuant to the Fair Debit Collection Act to provide me proof of validation. 

Subsequently on XX/XX/XXXX I received a package sent to an address I have not been associated with for well over five years and forwarded to my new place of residency. Included in that package was an application for membership with an address I have not lived at for almost 15 years but dated XX/XX/XXXX. Secondly the application provided my mothers maiden name as " XXXX '' which was never a name my mother has been associated with. 

Lastly, in a further review with our attorney we noticed a secondary signature of a persona I don't know or have ever been associated with me. In addition and according tot he review of the application it indicates a copy of a valid identification was provided which I previous requested but they have failed to adhere to this request. 

In closing, it was very clearly stipulated that this account was opened fraudulently and the original creditor was issued a police report. I requested copies of a valid identification due to the incorrect and fraudulent information included in the documents which to date has not been provided. In addition the signatures provided were clearly fraudulent and they have failed to provide accurate information. Instead their organization has acted like the judge and jury with fraudulent and frivolous information and they have failed to adhere to the requested documentation and properly communicate with the client prior to collecting on a well documented identity theft materials provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax database was breach and the courts have ordered them to settle. My personal information was apart of the XXXX millions of people impacted. I discovered the information on XX/XX/XXXX and went to Equifax website and found out that I am a victim of identity theft and a cyber crime due to my personal information was stolen from the computers of Equifax. I have started the process to protect my information by filing identity theft report, police report and have paid for classes to help educate me on the law and the processes of claim. After going over bank statements and credit reports there are discrepancies I am investigating. It has been a overwhelming process and a very scary scenario. I fear that cyber criminals will continue to use my information, therefore I will be negatively affected.
Product: Student loan

I have attempted multiple times to receive information on income driven repayment plans and the Public Service Loan Forgiveness program and it takes months for responses. I am passed around from person to person and continue to receive conflicting information. Information posted on the FedLoan, XXXX, and Department of Education websites also provides conflicting information. I was also falsely kept in deferment after attempting to apply for an income driven repayment plan which potentially decreased my time in qualifying repayment. I was told I couldnt even apply until 4 years after my graduation. I have worked for over 10 years in public service for a qualifying employer as a school counselor and made my payments which should result in forgiveness. However each time I apply or ask what I need to do, I am given new unpublished reasons for why I dont qualify. The PSLF program is a sham that keeps individuals who have worked years in public service and have based major life decisions on from receiving the forgiveness they have earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just released from XXXX  XX/XX/2019, after 10 yrs. Upon checking my credit I discovered accounts on my report that obviously couldn't been me, nor do I have any knowledge of these accounts. So I was instructed to reach out to all three major credit bureaus and notify them of this. I'm asking that these accounts be blocked from my credit file. Account 1, XXXX XXXX {$950.00} Account 2, XXXX XXXX XXXX  {$750.00} Account 3, XXXX XXXX  {$550.00} Account 4, XXXX   XXXX {$690.00} Account 5, XXXX XXXX   {$270.00} Account 6, XXXX XXXX XXXX XXXX {$1500.00} Account 7, XXXX XXXX {$460.00}
Product: Credit card or prepaid card

my last dispute it was with chase credit card. now they close my credit card, cause i haven't be available to pay cause the pandemia. so they just close that account they put it as charge off on my credit. now is affecting me .is not my fault everybody is having hard financial issues.
Product: Debt collection

On XX/XX/XXXX I received a text message. It said " Attention ( My name ) We recently notified you by mail that a lawsuit was to be filed against you regarding your past due account with Check N Go. A case management conference was recently held due to the impact of covid 19. As a result, we are extending you the option to settle your unpaid balance of {$490.00}, out of court for a onetime payment of {$240.00}. This payment will close ( dismiss ) the case against you and your account will be paid in full with a XXXX balance. This payment must be made no later then Monday XX/XX/XXXX. The payment can be made by calling XXXX or online at ( website ) File number # # # # # # #. '' Although there was no company name I did research the number and it came back to the XXXX XXXX XXXX. 

I have disputed this alleged debt in pervious years because it is not mine and other collection agencies have used this same tactic and even broken some of the laws set out by the FTC and the CFPB. This is not my debt yet, when I file a complaint they continue to sell to the next collection agency. I have been told by Check N Go that this debt was from XXXX and the total amount due is {$390.00}. I have never accepted responsibility for this debt. I believe this is past the statue of limitations and they are illegally trying to collect.