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

My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated. 

Unauthorized Inquiries : 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>
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite the written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX 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 XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

These accounts were charged off on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Since then these accounts have repeatedly been reported as Charge Off every month. This is an update of the payment history. A Charge Off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. One two occasions youve failed to investigate these accounts thoroughly & your gross neglect has violated my rights. Im demanding deletions of the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$560.00}
Product: Debt collection

Suntrust Bank received XXXX from my insurance company in XXXX. They chose to report to my credit agencies that my car was charged off and even went from reporting XXXX to uping it to XXXX as if I had never paid a dime on the car. They just updated my credit and released my debt in XXXX which caused me extreme hardships and interest rates. now it shows a XXXX balance on the car but they still are reporting charge offs on the payment history when they had been paid years in advance.
Product: Mortgage

My mortgage was sold fr om   XXXX   XXXX   ( which I 've never had any problems with ) to   Freedom Mortga ge.  XXXX  notified me of the service transfer on   XX/XX/XXXX ,   indicating that the payment switch will occur betwee n  X/XX/17  and   XXXX  . However, FM did not contact, notify, or inform me of how to pay  until  XX/XX/XXXX   - over two fu ll weeks after the service change.  <P/> I understand that no late payments can be charged within 60 days of the service transfer, but it is also my understanding that FM had the obligation to notify me of the transfer " no less than 15 days *before* the effective date of transfer ''.  <P/> I am concerned about having FM service my mortgage given their infamous customer service, accounting practices, lack of professional standards, etc..
Product: Payday loan, title loan, or personal loan

Sometimes, last year I called UPLIFT INC to inquire about a balance. They lady I spoke with said to me the account is no longer with them. Its not reporting negative on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX, Transunion and XXXX reported and unauthorized inquiry on my credit report, ( XXXX XXXX ). 

According to : 15 USC 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. witch they did not do.
Product: Debt collection

I was making payments to this third party company for my visa credit card balance and they called me to demand that I give them my bank information so my payment would be taken out automatically. When I refused to give them the information they became hostile and threatened to take legal action. When I asked for a supervisor I was disconnected. I called many times and they hung up on me repeatedly. I have seen many complaints against this company and a pending lawsuit. I do n't even know if they own the debt. When I request information they hang up on me. They continue to call daily after XXXX.
Product: Mortgage

I want to report an illegal practice by Fay Servicing XXXX XXXX XXXX XXXX Texas XXXX. For the last several months Fay Servicing has been claiming that I did not make payments in XX/XX/XXXX and in XX/XX/XXXX. I have provided them with bank statements and cleared checks but no one is talking to us or taking care of the issue. I have engaged a Hud certified housing counselor and legal aid but so far they have not been able to help due to Fay Servicing not responding. Even their own records show that I paid the mortgage in the months they claim. I am really frustrated as it seems there is nothing anyone can do and Fay Servicing is doing whatever they want without rules. Back in XXXX, they sent us an Intent to foreclose even though we were current by the bank records. Now they have stopped excepting our payment based on that false and unsubstantiated claim of default. To date, they have not been able to provide documentation that proves the claim. Even their own loan payment web site contradicts their claims but no one is taking care or wants to resolve the problem. It seems that they want to foreclose our house at whatever cost, whatever way. This is a disgrace as I am a military veteran and even though we are paying our mortgage, my spouse and I may become homeless and watch these people steal the house illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are still violating my consumer rights I asked you to investigate an account on my consumer file XXXX XXXX isn't accurate information. Also, you didnt do a proper investigation, infact you verified this account on XX/XX/XXXX  ( SEE EXHIBITS ). Delete this account because of failure to report notice of dispute. DELETE THIS ACCOUNT from file XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company several of times about accounts with  XXXX   XXXX . The account is showing wrong information such as incorrect name and dates of birth. These accounts and past the  seven year  mark and some I have no knowledge of. My report is also stating that these are closed accounts. These accounts should be removed from my credit report because it is causing me financial hardships.
Product: Credit reporting or other personal consumer reports

Hard inquiry is only valid with an open end credit having being denied for an extension of credit and still having a hard inquiry violation of my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, 2022. I have contacted all the creditors on the distribution list I have provided about opting out, and having my information furnished on my credit report. Since learning about the XXXX XXXX breach, I've noticed the inaccuracies being reported on my credit report and I have reached out to all of these creditors by mail requesting to opt out, I am even in a law suit over the XXXX information being reported. These inaccuracies are hindering me from XXXX XXXX XXXX XXXX XXXX causing me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These false reporting have cost me many business deals one that would have worth close to a XXXX dollars, credit cards being closed and/or reduced to XXXX XXXX. I went from $ XXXX balance now it's at {$800.00}, my lively hood has been uprooted and now I'm losing my house. Because I can not get any loans or credit to help support my household and family.
Product: Credit card or prepaid card

I was purchasing a timeshare but due to a tragic death of my husband and myself being unable to use it because I was XXXX XXXX XXXX XXXX XXXX XXXXXXXX  I was forced to sell the timeshare. 
After the sale, the timeshare company billed for the monthly charge and maintenance fees. I notified XXXX of the mistake and notified the credit card company, Barclays, of this as well. XXXX said they would notify the credit card company and after I notified Barclays the error was to be adjusted. Barclays never made the adjustments and added late charges and fees and sending a bill each month. I, and family members have made multiple calls to Barclays to get this resolved and have been told it is a XXXX balance and late fees are reversed but they continue to bill each month with a credit and additional fees. 
They have reported my account to the credit burials and have ruined my excellent credit. And they canceled the card, not that I used it.
Product: Debt collection

I made the settlement payment to this company in return to have all information removed off my credit regarding this debt from the reporting agencies. This company has not kept their promise and had failed to delete any and all information from my consumer report, I have disputed this matter.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. 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. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters to XXXX  and Experian requesting that they properly verify and conduct a reasonable investigation of a collection account on my report. They have stated that it was verified, but I have not received anything that proves the account is mine or that it is complete and accurate. I also requested validation from the collection agency ( XXXX XXXX ), they failed to properly validate the debt. 
I sent the same request to XXXX and they removed it because they could not properly verify the debt. I am requesting that the information be removed per the Fair Credit Reporting Act. If this is not removed I will pursue litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I got rejected for a loan with Marcus  by Goldman Sachs Bank USA. One of the stated reasons is that there is a series delinquency on my report, however I have checked my credit report and there is no delinquent information. I'd like all parties involved to manually review my credit report and figure out the source of the issue.
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 cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. these actions have cause significant inconvenience and financial loss, and i seek appropriate redress for these violations.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take action and effectively help to prevent any type of fraudulent actions on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with any types of error under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions caused significant inconvenience and financial loss, and I seek appropriate reassurance for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries on credit report XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Accelerated Receivables Management Inc. from XXXX Florida licensed in Texas Registration No. XXXX. Texas XXXX XXXX. XXXX trying to collect from XXXX XXXX XXXX XXXX That filed Chapter XXXX Bankruptcy in XXXX and the company was purchased by XXXX XXXX XXXX XXXX XXXX XXXX and the Department of Justice filed a lawsuit for fraud for overcharging and kickbacks to physicians. First the letter was sent to me by the collection agency then when I disputed the bill I received a letter with an attorney letterhead collecting the same debt same address but saying the Insurance Company sent me the money and did not send it to XXXX XXXX XXXX, first I have the office visit from XXXX/XXXX/XXXX and there were XXXX tests ordered not XXXX and why would not just say they were licensed in XXXX why did they get licensed in XXXX XXXX XXXX filed a Cease and Desist order for Accelerated Receivables Management Inc., not to be collecting from clients that they had no clue that they even owed the alleged debts and sending letters to patients. I have all the documents but they have not provided me a signature that shows I signed to have XXXX lab tests drawn and they were supposed too send my labs to XXXX XXXX not XXXX XXXX XXXX. Make it clear they filed Chapter XXXX Bankruptcy Not me. Thanks XXXX XXXX
Product: Debt collection

I contacted Genesis Financial for the debt owed on my XXXX Indigo account back in XXXX of 2021. At this time, it was reporting negatively on my credit report but had not yet shown up as collections on my credit report. Genesis Financial were not willing to negotiate the debt at all and had informed me that it had been sent to collections, XXXX to be exact. I contacted this company by calling XXXX and set up arrangements for a settlement to be paid in full on XX/XX/XXXX. I explained that I was getting ready to purchase a home and it was important to me to get things cleared up quickly and before any collections hit my credit report. The lady I spoke with assured me that they would contact the credit reporting agencies within two weeks of receipt of payment to report the debt as paid, settled in full. They drafted {$510.00} from my checking account on XX/XX/2021 and I received a confirmation letter shortly after confirming the debt had been paid. 
Today, XX/XX/2021, I checked my credit report as I WAS supposed to be applying for a home loan next month and XXXX showed up on my credit report as owing a balance of {$330.00} on an original balance of {$840.00} to Genesis Financial. I called the company to see what happened and they stated that there was a mix up in communication and the settlement was never reported to anyone, and not only that, but on XX/XX/2021 XXXX reported this debt that had been paid, as collections to the credit reporting agencies. Over 45 days AFTER the debt had been paid, they reported as collections, even though it had been paid. I am very upset and asked the person I spoke with at XXXX, since they knew it had been paid in XXXX and then still reported in XXXX if they could correct their error and contact the credit reporting agencies and have the collections account removed. They said they would not and was adamant that the information currently being reported was correct. I have PROOF this account was paid and have a letter from XXXX confirming receipt of payment and settlement of debt and they STILL WOULDN'T do anything to remove the account. 
I would like this debt to be completely removed from all three credit bureau accounts, as well as the original creditor to be reflected accurately, as it still shows that it's in derogatory status and unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

unlocking my credit removing all statements on my freeze and fraud alerts Experian has failed to honor my request
Product: Mortgage

USBank gave out our personal mortgage information and tax form to an unauthorized individual which contained our name, address, social security number, account number, account balance, and account payments. This incident happened approximately on XX/XX/year>. This breach of personal information has been acknowledged by a letter from USBank, Office of the President, on XX/XX/year>, signed by XXXX, USBank, Customer Assurance Deposit Complaint Advocacy , Office of the President. They have not offered any resolution as of this date, and refuse to give us any additional information regarding the matter without a subpoena. They have only offered fraud alert protection which is insufficient with the type of information disclosed. They are aware of the individuals who gave and received our private information but refuse to share that information with us. I would like to know what type of credentials this unauthorized person showed to the banker, XXXX XXXX, in order to access our personal information. This is a matter of urgent concern as this individual now has our social security number and other vital information. We have spoken with Branch Manager, XXXX XXXX XXXX and XXXX, District Manager XXXX and no one will disclose information other than to acknowledge that the breach did occur. This breach is in direct violation of the Privacy Act.
Product: Debt collection

Subject : Formal Complaint and Dispute Regarding Loan Servicer Misconduct Dear Consumer Financial Protection Bureau, I am writing to formally dispute actions taken by XXXX XXXX XXXX XXXX XXXX  by XXXX XXXX XXXX, a loan servicing company responsible for managing my account. Specifically, I believe XXXX XXXX XXXX XXXX serviced by XXXX XXXX XXXX has acted improperly by notifying debt collectors about alleged non-payment of my debt without just cause or proper documentation. 

The details of the situation are as follows : Account Information : Loan Servicer : XXXX XXXX XXXX XXXX serviced by XXXX XXXX XXXX. 
Account Number : # XXXX Loan Type : personal loan Issue Description : On [ XX/XX/year> ], I received communication indicating that XXXX XXXX XXXX XXXX serviced by XXXX XXXX XXXX XXXX reported my account as delinquent to [ FMA Alliance ], despite my payments being ( current/in dispute/subject to other circumstances, such as a forbearance or modification agreement ). I believe this is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws such as 15 usc 1692c ( c ).
Product: Debt collection

ARl resources INC collected {$610.00} from me which was an ID theft. Please stop charge me for the {$610.00}.
Product: Student loan

I have private student loans from XXXX different schools. I have tried to make payment arrangements on these loans, but the lenders are not willing to work out or offer an affordable or reasonable loan repayment plan. I receive letters and numerous phone calls with the same end result.
Product: Debt collection

MY NAME IS XXXX XXXX. REFERENCE NO. ON THE LETTER XXXX YOU HAVE CALLED ME NUMEROUS TIMES AND I HAVE TRIED TO RESOLVE THE MATTER TO NO AVAIL. AS THIS IS A COMPENSATION CASE AND I HAVE CONTACTED THE HOSPITAL AND WAS INSTRUCTED TO CONTACT MY COMPANY. 

I CURRENTLY HAVE AN OPEN CASE-THE FOLLOWING WAS PROVIDED XXXX XXXX XXXX FUND CASE # XXXX CONTACT PER SON IS XXXX  AT XXXX YOU ARE VERY UNPROFESSIONAL AND CONTINUE TO HANG UP THE PHONE. I HAVE DONE YOUR JOB AND WOULD LIKE FOR YOU TO STOP CALLING ME IMMEDIATELY AND CONTACT THE NUMBER AND THE PERSON ABOVE.
Product: Credit card or prepaid card

purchased a {$100.00} VISA GIFT CARD on XX/XX/2019 at XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX CA XXXX ( XXXX ) XXXX. When my son tried to use the card, it failed between XX/XX/XXXX and XX/XX/XXXX for an online media purchase form our home in XXXX CA XXXX the card failed. I checked via the automatic phone number on the card, and the card balance showed {$0.00}. On the VISA CARD web page, I found that the same time i purchased the card, the card was shown to be activated at a different store in a different town. The card was activated, then the entire balance withdrawn, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. I reported this to XXXX   XXXX. and to XXXX. The stores directed me to file a theft report with the local law enforcement. The local law enforcement offices could not take a report for this as this was theft via media. VISA does not have a consumer line for GIFT CARDS and are unresponsive. 

CFPB referred my case to BLACKHAWK NETWORK. BLACKHAWK NETWORK did not issue me a refund. They added another {$100.00} to the Gift Card, which as I have reported, is being used by thieves. I can not use the Gift Card. The company has just handed another {$100.00} to whoever stole access to the Gift Card. 

Please refer to CFPB case # XXXX. All attachments are relevant as this is the same case. My complaint hasn't been resolved. Also, as I reported, there was no means to communicate with BLACKHAWK NETWORK as the Gift Card access site s for VISA.