23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This account showed up on my credit report without my knowledge of this company and amount due to XXXX. This has been resolved as I have worked with credit company, XXXX. XXXX did the research and reached out to the company and was able to resolve the issue. XXXX removed this debt from my credit report. It was n't until I went to purchase a home that I found out about this debt that was resubmitted by another company again after I was told it was resolved and removed and the debt was no longer due. It is frustrating that the resolved debt is back on my credit report. I have never received any communication from XXXX or lvnv funding regarding this debt before it was resolved. Now that it is bank on my credit report I still have not had any communication on this, probably it was n't supposed to be on my credit report anyway and I did n't owe XXXX anything.
Product: Credit reporting

In XXXX 2015 I requested my annual free credit reports, sent in a copy of my driver 's license and social security card but have only received a copy of my credit report from Equifax last week. I sent XXXX emails but have not received credit reports from XXXX and XXXX. 
Equifax continues to add several addresses that are incorrect ( lived at the same address for the past 26 years ) to my report, account numbers and year acct open have been changed and information over nine years remain on my report. This is the same complaint I filed against all three bureaus but still experiencing the same problems today.
Product: Debt collection

I contacted RGS regarding an item on my credit bureau. I advised them I did not believe the item was not mine. RGS never disputed the account and then tried to use deleting the tradeline as a ne gotiation tactic to get me to release any legal claims against them.     The attached documentation will clearly show that  RGS  is not disputing, disputed accounts resulting in unfair reporting to credit bureaus and additionally has created an un-fair collection practice for which the least sophisticated debtor would have to use " Magic words '' in order to have their account disputed. They are friverously disregarding FDCPA and FCRA in conjunction with their attorney  XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reported items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient-XXXX XXXXXXXX violated their lending practices and I would like to add my name to the pending law suit that has been established. I was told by my school XXXX University, which I attend the XXXX XXXX, to utilize XXXX which is now known as Navient. The school not only misadvise me as well as other students to take other classes that I and other student did not need to take which caused additional finances. During my studies, there where an advisor by the name of XXXX who had misadvise me and other students wrongfully which caused an extra money from the student loans awarded. Nevertheless ; I graduated in 2012 as a XXXX XXXX with a XXXX and due to the predatory lending and other unethical practice from XXXX XXXX, high interest, loan information changes and transfers which has been a disservices has yet to receive my degree from the school 's financial aid department. The school has had a hold on my degree for 5 years 3 months now. The unfair and predatory lending has also tarnish my credit report. After reviewing my credit report once again, the loans has been transferred to other companies, the status is unknown, missing and inaccurate reporting. Please help me and others remedy this solution so I am able to restore my credit and get my degree. I had to pay money directly to the financial office in Florida, I hope that I can get a full refund on money the excessive money that I had to spend out due to miss advisement, bad behavioral and illegal violations of the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a debt validation letter more than 30 days ago asking for the credit bureaus to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. 

I disputed the accounts information as being inaccurate, and these agencies responded by stating they were able to verify this debt. But how is that possible? I have contacted the creditors myself, and they only sent portions of the information requested- this is against 15 U.S Code 1692b ( 5 ) for sending insufficient validation documents showing only symbols and stuff. Also Under 15 U.S Code Section 1681n Civil Liability for willful noncompliance and 15 U.S Code 1681o Civil liability for negligent noncompliance The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove these accounts
Product: Credit reporting or other personal consumer reports

I am disputing an inaccurate XXXX late payment reported by XXXX XXXX XXXX on my credit report for XX/XX/2023. XXXX has confirmed that this was a system error and provided me with a letter stating that they corrected the error and notified the credit bureaus. However, my credit reports remain unchanged, and this inaccuracy has negatively affected my ability to secure a home loan. 
Please find the attached evidence : XXXX. XXXX letter. 
XXXX Credit report showing the error.
Product: Bank account or service

I believe that Executives and Branch representatives at Branch Bank and Trust XXXX XXXX XXXX misled me into opening business accounts with account service fee structure.that they then immediately changed in order to charge more fees. Account executives knew the changes were occurring at the end of 2016 but did not properly notify account holders. Statement " notices '' were inadequate considering most customers do not access statements in online banking web sites and instead look at screen transactions. Proper disclosures were NOT made for online customers and I believe the bank is guilty of violation of UDAP, since they misled me personally into a price structure that they knew would change to the very one that I had rejected with another bank. When I called my " personal banker '' to question the fees in XXXX she said that the fees were overdraft fees ( which was incorrect ). Since she misrepresented the fee this caused another month 's worth of Service fees to be charged to all of my accounts. She did not disclose the new fee structure when I complained and said that she could not waive fees ; that the " corporation office '' was free to change fees without notice. It is hard to believe that BB & T executives did not know that they would catch many unsuspecting business account owners by surprise and create a big spike in their fee revenue for the year! I believe that banks in general, and BB & T in particular, create artificially low " come on '' fee structures to get customers to change banks, then change the terms without proper notice. Since it takes so long ( 4-6 months ) to change business bank accounts banks should be required to give PROPER legal notice AND sufficient time period for customers to change banks before they levy fees. They should also be required to disclose new " substantial '' fee changes and increases in multiple forms ( customer email and online banking notices and/or emails ). I believe this is a well designed plan to rip off consumers and small business owners and implore you to open a class action complaint and fines against this flagrant violator.
Product: Checking or savings account

Ever since I opened an account with Wells Fargo I have had several claims of fraudulent on my debit card and reimbursed the transactions. Just recently several fees were affected to my debit card. And everytime Wells Fargo admits to false added fees to the debit card and immediately credit my card back this is several fees that have already been made and Charged.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX  # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Please see the attached letter for info request for all monthly mortgage statements you have on file for me at my residence at XXXX XXXX XXXX, XXXX XXXX Tx XXXX for the dates of XX/XX/2018 through current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian REFUSES TO REMOVE 3 old outdated collection accounts. Date of first DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX XXXX {$1300.00} XX/XX/2016 and XX/XX/2016 {$780.00} XXXX and XX/XX/2016 {$410.00} XXXX  XXXX.
Product: Debt collection

The following items are not mine! never had any business with these companies. I 'am a victim of identity theft. My identity was stolen, and these accounts were created. My identity was in the XXXX, XXXX security breach i demand immediate removal of these accounts and permanently block all attempts from ever reporting again. Federal law says you have 4 days to remove these items immediately. Violation of 15 usc 1681 e I'am prepared to take this matter further to arbitration if not removed immediately. the following fraud affidavit has been attached see in attachments. The following companies need to be notified of these accounts being fraudulent Experian, XXXX and XXXX.
Product: Debt collection

Took a collateral loan using my car as collateral from one main financial before finding out about their bad practices of making people choose add-ons, and those add-ons that are supposed to help you in case of financial stress do not help you I became financially distraught in XXXX struggling to pay them back I asked them if theres anything I can do possibly come to a settlement amount they told me they could do a lien release and If I pay that that would also settle the loan, it was {$1400.00}. I accepted that outcome and asked if they could take that amount in installments monthly I was told no and that I would have to pay that amount in 24 hours. That is very XXXX disgusting and aggressive action taken as if someone can come up with {$1400.00} and 24 hours. I told him I would not be able to do that in 24 hours, I told him I am without the car because the garage damage the cars engine and it was sitting in my yard. I told him they can come get the car and use it as collateral two weeks after telling them that the car is gone fast-forward to XXXX and they are now trying to sue me for {$4900.00} they didnt contact me about being sued or attempting to sue me. I just received the letter in the mail after calling them to try to resolve the problem I was spoken to in a demeanor that I found disgusting and unprofessional I tried my best to come to a conclusion with the person that I was speaking with about the manner and I was told I would have to pay {$4900.00} and they couldnt come to any other settlement so when I proceeded to tell that person that I can not pay that even more so in installments because I pay so much out of the check that I get now I will not be able to afford it it will put me in more of a financial burden. XXXX willing to settle at a lesser amount. Thats possibly closer to what I have left, but this is an outrageous amount. They proceeded to tell me that they would see me Well, youre just gon na have to wait for a court date. This was disgusting demeanor, especially after trying to settle the situation and then is now later on that again. I found out about their disgusting bad male practices of doing what they did to clients that borrowed money from them I work hours. I do not make that much money and I do my best to keep my household in my family Fed and the lights on in my home taking on anything else would just be too much of a financial burden and would destroy what I have entirely
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
Product: Checking or savings account

Background : USAA closed my Checking and Savings account which I directly deposit money to from my place of employment after they stated I did not respond to an email from them requesting a copy of my Identity. I receive thousands of email spam and did not see such an email with the distinction of an this important message. Additionally, I have the USAA mobile App and there was no indication that I needed to send this information or else my account would be closed. I do not believe email is a safe communication vector since I have been in several email Data Breaches reference : XXXX and search for my email : XXXX Just as concerning is that USAA stated that they mailed me a check with the balance of my account. If they can not verify my identity how do they know they are sending my funds to the right address? I have not received this check and I am out of money to life on. 

This was beyond troubling and perplexing to me since I provided my Driver 's License and a copy of my DD214 to them upon opening an account. XXXX XXXX from the MOET team ( Member Oversight Excellence Team ) stated that due to U.S. Patriot Act and the Bank Secrecy laws they had to ask for ID. Additionally XXXX XXXX. stated that USAA is now becoming a larger financial institution. I was told that I am on a XXXX XXXX feed where they could not verify my identity ; I purposely advised XXXX XXXX and the Credit Bureaus XXXX of 2018 that they were not allowed to share my information at Random to protect my Identity so that I would not be a victim of fraud and now I am a victim of a Bank misinterpreting the Fraud law which applies to new accounts not existing accounts. 

How can USAA accuse their own customer of not being who they are after I have been with them for several years? As a Consumer of their financial product and services I believe my rights have been violated since Fraud only applies to new accounts and closing my existing checking account is unacceptable and violates Customer Trust. 

I was told to fax my identity information to a fax number to get a new account associated with my member number ; but it will take 10 days to update in there system which indicates there is a back log and group of others that have been wrongly affected by their mindless new process. I also am not within the payroll limits to stop my next check from going to USAA and will have to wait for their mindless process to pay me back my money that is still set up to go to them for one more payroll cycle. 

I am a Veteran, a member of the XXXX XXXX XXXX ( with background check ), I am a XXXX XXXX XXXXXXXX/XXXX XXXX, pursing my XXXX in XXXX XXXX and handle Identity and Access Management architectures to improve the Customer Experience and it is never recommended to close an existing, established Customer 's Account ; especially within a 10 day request window. 

Moreover, my wedding is in two days and I have no money to prepare myself, get gas for my car, pay for the food and this was a Crushing experience for me. 

XXXX XXXX, XXXX. 
( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

As per XXXX a XXXX XXXX XXXX servicer the XXXX  loan was forgiven on XX/XX/XXXX. But did not get reported to the credit bureaus until XX/XX/XXXX. Someone needs to pay me {$1000.00} per month from each credit bureaus. Not reporting on time correct information. This has caused emotional stress and embarrassment. Per the United States code 15 USC 1681.
Product: Payday loan, title loan, or personal loan

I got this pay day loan 2 years ago.I don't remember the exact amount of the loan. He said its {$970.00}! I started paying it back on my own, then I started paying it back through this company called XXXX XXXX XXXX! Then all in a sudden they stopped paying ACE ; with no notifications to me. Than XXXX XXXX Investigative Officer of ACE started contacting me by email ONLY! No phone number. & demanding that I pay {$200.00} bi weekly on a prepaid debit card! I put the money on a XXXX card so that I'll be able to track it! Now I get emails stating that I have to purchase a XXXX XXXX  card INSTEAD! Keeps harassing me telling me that if I don't get this payment that ALL my wages will be garnished! I'm starting to think that this may be a Scam because of his PERSISTENCE!!! & truthfully I think I already paid off this debt! I NEED some help! I don't know if this is REAL or not! Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

onXXXX i sent letters to XXXX XXXX and equifax disputing some fraudulent accounts and billing errors on my report, i asked them to verify these fraudulent accounts and billing errors on my report. 
Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX XXXX and equifax are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that XXXX XXXX and equifax post on a credit report. Otherwise anyone paying for XXXX, XXXX and equifax reporting services could send in a fraudulent account. Also under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, XXXX and equifax any written consent to report anything on my consumer reports no consent is FRAUD .I demanded to see verifiable proof with my signature on a contract and written consent I gave XXXX, XXXX and equifax to report these account listed below on my consumer report. 
XXXX, XXXX and equifax did not send me proof with my signature or verify the accounts and billing errors listed below in 30 days. since they didnt XXXX XXXX  and equifax must delete The following accounts and incorrect billing errors on my report 1.XXXX XXXX Account Number : # # # # # # XXXX Also XXXX XXXX XXXX arent licensed as a collection agency in the state of XXXX XXXX so they have no right to report on my report or try to collect debt. Cease and desist. 

2.XXXX XXXX  Account Number XXXX XXXX I did not give permissible purpose to this creditor I never had was late on XXXX XXXX or XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 at XXXX XXXX, I received an email from PayPal informing that a unrecognizable device logged into my business account, I immediately changes password as well as attempted to contact PayPal. IN response to what have been ongoing unauthorized activity in addition to unauthorized access into my paypal I was informed of the immediate cancelation of my account and that the balance that I have accrued will be held for 180 days before I am given instructions which further complicated the recouping of my funds. In addition there are monies owed to me from customers who will only be able to pay the debt via PayPal due to the service PayPal advertised as a sure way to receive payment. This is unethical business practice in relation to activity caused by fraudulent activity in which Pay pal was previously notified and provided the necessary reports provided to me by the federal trade commission.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to In adequate 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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulations E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous.The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item asunverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on mycredit report. XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$15000.00}