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

I have disputed this falsely reported XXXX loan many times with Experian. They only ask the lender if the information is correct and immediately take their response at face value. They have reported the loan with XXXX XXXX XXXX as open, as active, as closed and back again. I have repeatedly informed them of the VIN number of the vehicle being in someone else 's name for the past XXXX  years. XXXX did investigate the account and removed it. Experian wants to sell me their XXXX tool for {$250.00} per year that gives me the ability to monitor my accounts and for lack of better words be taken more seriously. They gave me listed as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and others and refuse to remove the names I have never gone by. They report me as retired and will not recognize that I am employed and have been for over XXXX  years. They show addresses that they refer are addresses I have given to creditors that were false. The truth if they would allow me to dispute is there are addresses on the list that either were work addresses or mailing addresses but they infer that I use them as physical addresses which is untrue. They have locked me out of being able to dispute anything online anymore because of complaining on them. Yet if I pay them XXXX a year I can do that. I feel they only want to get money from those of us that have problems with their credit report and if we don't pay they don't put any effort into correcting errors. This credit bureau alone has caused me to be denied loans, credit cards etc because as some of the lenders report to me they feel I am giving them false information due to the Experian report. XXXX mailing address in particular which was a XXXX mailbox that I used when my physical address mailbox was being replaced, they said that I was using the address of a XXXX  business falsely as my address. The company they refer to is the address of a XXXX XXXX and the XXXX  business had used my box before I got it. This is how careless and vengeful this reporting agency is UNLESS I want to pay them {$250.00} per year. I am asking that they be forced into following the lead of XXXX and remove the XXXX XXXX account and the false names and addresses that they have alleged are mine and allow me to dispute online like the rest of the country. They should be fined and have to pay damages to people like me
Product: Prepaid card

I am unable to access my account due to RUSH CARD TECHNOLOGY TRANSITION and i also have kids that have to eat and no one from RUSH CARD CAN ANSWER THEIR PHONE AND NOONE FROM RUSH CARD WANTS TO TAKE RESPONSIBILITY FOR THE UNNEED TECHNOLOGY TRANSITION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX The credit bureaus was properly investigated but how that possible when open and end date, account information, address, amount is inaccurate and late date reporting is no accurate This is grounds for removal they have also violate me under XXXX XXXX XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy.

According to 15 USC 1681 Section 604A Section 2 No financial institution is supposed to share my information to a third party. I did not give written permission to have the accounts added to my credit report.

According to 15 USC 1666b ( A ) ( 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.

I wrote a letter asking for the payment history to be corrected. XXXX XXXX  refused to correct the payment history please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc claim with the police report XXXX and XXXX  took is off but of course Equifax didn't b/c of their breach
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my XXXX credit report, I noticed that Rocket Mortgage made a credit inquiry on XX/XX/2021 without my explicit or written consent. During the month of XXXX, I was curious about the mortgage rate and did some research online. I found their website via XXXX and filled out the online form since the site indicated that they need to collect some basic information before they show me the generic rate. During completion of the form, I never gave them explicit permission to run my credit. Nor their online form clearly disclosed that they will run my credit. Upon, filling up the form, they didnt show me any rates, instead, quite a few lenders called me trying to sell me a mortgage loan. I was very clear about the fact that I am just trying to get an idea about the current rate and not willing to start an application or run my credit, rather, I just want a quote for consideration. Yet they ran my credit without my explicit permission, which greatly impacted my XXXX XXXX and ability to secure future loans at favorable rates.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 USC 1681b and 15 USC 1681c, I did not authorize the release of my personal information to the entities in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I believe is a violation of my consumer privacy rights. Additionally, there are unauthorized inquiries on my credit report 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/XXXX that I did not initiate, indicating potential identity theft. Pursuant to the applicable legal statues, I do not owe any debts to these entities and request the immediate removal of the disputed items to correct my credit report. Please address this matter promptly and confirm the removal of the inaccurate entries.
Product: Checking or savings account

So I had money in checking account for what ever items I was purchasing, it gets taken out but left in pending mode. After a couple of days later the bank ends up stating Im overdrawn by that same amount of purchase. I have called multiple times that the mo et was taken out that same day of purchase. So why em I being charged again several of days later. They are stealing right from under me and I cant do anything. Went to the office and called to dispute but every time I do that they deny me a return. Also when I call they end up doing something in there system to make it look like there isnt anything wrong
Product: Student loan

Despite attempts to request copies of loan documents evidencing the students loans that ECMC has said have not been paid, ECMC has refused to provide copies. Instead, printouts of what was supposed to have been outstanding was sent to my attention. When I insisted that copies of the actual documents be made available to me in preparation for a hearing to determine whether my wages should be garnished, ECMC apparently forwarded documents to the Department of Education ( what documents, if any, that were sent by ECMC to the Department of Education were not made available to me ), who made a determination that no hearing was necessary. The letter from the Department of Education is attached. The Department of Education letter does not reflect the supporting documentation that was submitted to ECMC. I would have certainly provided the Department of Education with the supporting information and documentation, if provided with the opportunity to do so. 



All of my documentation regarding repayments and in preparation for the requested hearing was forwarded to ECMC as was requested by ECMC. My wages had been garnished for over 7 years, and as a result over {$50000.00} had been repaid. My request was for documentation reflecting the exact amount that was owed. Instead, ECMC became incensed that the request was made, refused to provide any documents showing an outstanding balance other than a computer print-out ( schedule of payments ), and refused to consider the request made by me for relief under 34 C.F.R. Section 682.410 ( b ) ( 9 ) ( ii ) ( E ) ( garnishment of wages would cause undue hardship - documents were sent to ECMC supporting the undue hardship, but there is no verification that those documents were delivered by ECMC for review ). Monthly payment obligations were also sent to ECMC in anticipation of a hearing. There is no evidence that those documents were reviewed or considered.

Student loan documents may refer to specific rights, deferments, relief related to periods of unemployment, family tragedy or reduction in debt obligation due to employment at a non-profit. I have been deprived of the opportunity to review those documents and verify the outstanding balance of any loans that may be outstanding. Instead, ECMC has acted punitively as a result of my request that they provide the proper paperwork that shows the amounts owed and its authority to collect the outstanding debt. Such requests for documentation and verification are minimal and owed to every borrower. ECMC has insisted that I verify the loans in which they have no documentation, and enter into a payment agreement in order to prevent garnishment of my wages. While I am willing to pay, and have been paying for over 7 years, I can not verify and confirm a loan obligation where no documents have been provided by the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to XX/XX/2020 my payments have been 100 % on time and at least XXXX days early! 
XX/XX/2020 - I logged onto my PennyMac Loan Service XXXX app to make my normal payment as I have done previously. ( since I've lived in this house ) I realized once I tried to make my payment the APP was malfunctioning. 
I called the number that was listed and spoke with a rep on the phone that stated that they were in-fact having issues with the app so she would help me over the phone. 
I nicely agreed and went on to proceed to try to make my payment over the phone ( which I already don't like doing, because of the scams ) She then stopped me and said " Oh, you know you've already paid for this month '' I stated that that info was inaccurate because I pay around the same time every month. She continued to state that I was already paid for the month & if I paid again it would be for the following month. My finances move a lot so I stated I did not want to pay for the following month only this month. 
I was already frustrated so I told her never mind, I was just calling to make this months payment, not to be in all this confusion. 
Long story short I ended up missing a payment because ( 1 ) the app was malfunctioning which is what caused all this ( 2 ) the rep on the phone told me I did not need to pay for this month ( knowing I didn't know proper loan terms, which were explained to me 2 months later ) I have had my same job during the entire pandemic so my income has not changed and the money was there ( once I saw the missed payment, I paid for XXXX & XXXX the same day ) I called back once I saw all this to speak with PennyMac credit reporting side, and they stated they don't do courtsey late payment removals. I then explained that if the app was working I would have made my payments as normal.. 
ALSO if the rep just would have reviewed my account or just let me PAY like I was calling to do ALL this could have been avoided! 

This has also kept me from refinancing my home!
Product: Credit reporting

I am writing about Equifax. I disputed a loan from XXXX a few years ago. The account was removed from my credit file. Recently I discovered that Equifax had put the XXXX account back on my credit report. This is not right. I did my due diligence in providing documentation to have this account removed. My student loans were discharged after my XXXX. This issue is causing problems getting into a home, and other issues. I can not wait for this to fall off after 10 years. I may not even be alive. I will again provide the documentation about this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my consumer report which caused XXXX XXXXXXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct and I did not give the credit reporting agencies written consent for these accounts to report to my consumer report pursuant 15 USC 1681b. Without my consent this is reporting fraudulently. The credit reporting agencies is committing FRAUD!!! Please remove these fraud accounts and fraud inquiries from my consumer report!
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.

Someone also to {$2500.00} USD from my cash app through bitcoin and Block, Inc. ( Cash App ) said there was nothing that they could do about it.

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 card or prepaid card

Same complaint as # XXXX Comenity Bank has yet to actually resolve this case. 

XXXX Bank sold my credit card account to Comenity BAnk in XX/XX/XXXX. I made a payment of {$920.00} to XXXX on XX/XX/XXXX. That amount was trasnferred to Comenity per XXXX and Comenity claims to have credited to an account in the name of XXXX XXXX account number ending in XXXX. That is not me, I do not know who that person is and I would like my money refunded immediately. I have provided everything in writing to Comenity bank multiple times as well as to XXXX Bank.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. This account : XXXX XXXX XXXX XXXX {$220.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

No Contracts Made with XXXX XXXX XXXX The Account attached to this dispute violates my rights. 

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

( Inaccurate Address )
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 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

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : U S DEPT OF EDXXXX Account : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, Account : XXXX U S DEPT OF ED/XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX, Account : XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had stopped using this XXXX XXXX  XXXX account completely. The only reason I have kept it is because it is one of my older accounts. I thought I had removed the autopay for the car insurance which is usually paid bi-annually from this card. I never received any correspondence that this account was in jeopardy. I was however, receiving numerous SPAM calls from representatives claiming to be from XXXX XXXX XXXX. There was a clear language barrier from the people making these calls so I am not sure from where the calls were coming from. I didnt think there was any reason for concern so I didnt follow up with XXXX XXXX XXXX to inquire as to whether my credit card account was in jeopardy. I did not know there was a late reporting on this card until I obtained a recent copy of my credit report. I tried contacting XXXX XXXX  XXXX to explain the circumstances of the situation but I was never able to reach a supervisor to assist me. At the time this card was opened my credit limit was {$15000.00} and was then reduced to {$500.00}. I thought this was suspicious as well. I have tried numerous times and have asked XXXX  XXXX XXXX to remove this late since clearly it is reporting in error however, I have not been successful. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this but have not been successful.
Product: Debt collection

I received a phone call on XX/XX/2022 at XXXX am EST by this third party debt collection company. The representative I spoke to ( XXXX XXXX stated that the company was a third party agency and the purpose of the phone call was to collect a debt. She stated the debt was owed to a loan company. The alleged amount owed was {$2100.00}. I asked her to give me the name of the loan company and the alleged account number. I also asked her when this loan company originally contacted them to collect this alleged debt. The representative stated the debt was passed off to them on XX/XX/2022. 

I then received a letter/statement from this third party debt collection company stating the alleged amount owed, which was {$2100.00} to the loan company. The letter/statement also advised that I should respond to them no later than XX/XX/2022. 

I sent a letter of debt validation via certified letter on XX/XX/2022 to the debt collection company. I gave 30 days notice for the company to respond and provide me with the information that I requested ( validation of the debts they say I owe, a true bill and not a statement, and a completed government employee questionnaire ). 

I then received another letter from the debt collection company dated XX/XX/2022, which stated that they had received my letter for " debt verification '' and that I should be advised that they had been in contact with their client, the loan company, and that the loan company provided them with my alleged information and the alleged amount owed. They did NOT provide me with a TRUE BILL or VALIDATION of this alleged debt. Again, they stated this was " debt verification. '' The debt collection company has failed to provide me with validated debt that they claim I owe them. The company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00}
Product: Debt collection

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX VERMONT XXXX XXXX, WASHINGTON, DISTRICT OF XXXX, XXXX To : The Office of Registered Agent for XXXX XXXX XXXX XXXX. 


From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. 





By : XXXX XXXX XXXX