23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit report every year. Each year I have had fraudulent activities and I have been submitting a police report, highlighting the items that do not belong to me, requesting all personal identifiers, addresses, and company information that does not belong to me be removed. I have made all of the necessary changes in that each credit bureau gets the proof of what they need. I dispute the items, the items are removed, and a debt collector purchases " my so-called debt '' and it is again put back on my credit report. I have called each agency including XXXX about suppressing my information and without my written consent should not allow these data furnishers to add information or not to provide incorrect information to my credit report. XXXX, Equifax, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I was fully aware of being a victim of identity theft around XXXX of 2022 an until today i am having issues with reporting agencies removing this accounts from my credit report. I can never verify my identity any where. I am not able to do anything when it comes to credit. i have sent certified mail 3 times within the last years verifying my identify and other documentations.
Product: Credit card

Bank of America sent me a pre-approved credit card offer. I contacted them and told them I did not want the card with a limit less than {$10000.00}. The rep stated that they could not guarantee that so I declined the offer. Later that day received an email stating I was approved for a {$6000.00} credit line. I emailed them and told them I declined there offer for anything less than XXXX. They asked for a bunch of personal information " To process and increase credit line '' I declined and told them to close the account and remove the unauthorized inquiry from my credit reports. They refused.
Product: Debt collection

A property management company where I currently reside decided to offer me a lease renewal after my initial lease was up. 

Prior to signing the renewal I asked to speak with management as Im currently missing {$11000.00} identifiable directly to the property management company ( XXXX XXXX XXXX XXXX and where funds were deducted out of my company account held with ( PayPal ). 

PayPal statements show the funds have been processed and as I present this information to XXXX  XXXX XXXX they state the documents are not actual bank statements even though they are my companys merchant account statements. 

After mentioning the matter to XXXX  XXXX XXXX they are now not allowing me to renew my lease even though I would like to pay funds and sign as originally offered. 

PayPal statements show funds paid to XXXX XXXX XXXX as processed multiple times where XXXX  XXXX XXXX says they havent received any additional payments even though knowing about this situation since XX/XX/2018. 

I had management call me threatening to take me to court and that my credit would be ruined if I didnt comply along with the threats of suing me for slander after bringing up this complaint prior to signing my renewal. 

I need help resolving this matter with PayPal as my company is missing approx XXXX and PayPal has not been helpful in resolving the matter after months of recorded conversations.
Product: Credit reporting or other personal consumer reports

In accordance to Fair Credit Reporting Act, this debt collection agency, XXXX XXXX XXXX, also XXXX XXXX XXXX has violated my rights under 15USC1681-SECTION 602 which states that I have the right to privacy. Under 15USC1681-604A SECTION 2, it states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B it also states a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

This debt is inaccurate, and reporting this information on my credit is a direct violation of the law. I request it be removed from any credit bureau it is being reported on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$72000.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$1300.00XXXX XXXX XXXX XXXX XXXX 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 trying to place a credit freeze for heightened security as recommended by XXXX, I got on to the Transunion site and with a very perky " Tell us about yourself! '' in bold fonts and colors, I filled out the form as it prompted, " Do you want your credit score and credit report? '' As I did want it and not realizing that I needed to go to CFPB for this information, I filled in the forms, not noting the separate boxes to the side. The top separate box had a sample credit score and was clearly an ad for their services and a lower box ( that my eyes skipped over because this was an ad, right? ) with a font that was a third the size of the " tell us about yourself! '' says " you have chosen credit monitoring for XXXX mo. '' I completed the form on three pages. # 2 was create your account, # 3 was verify your identity. At no point did it prompt me ( as all other business sites do ) to agree that I was paying for this service. 
My fault not to realize that if they were asking for credit card info it was for payment and not for a verification of which card I was creating the credit on! I don't think I am XXXX  as I have an advanced degree ( That's my excuse anyway. ) This looks like a misleading way to process a charge. It felt as if it was meant to confuse. They nicely refunded the monthly recurring charge but " nothing could be done '' about the credit report charge as I had already received it. This is a tainted business practice and it felt underhanded. To add insult to injury, My practice of living debt free, paying the mortgage in full, cash for the new car and prompt credit card payments each month for 30 yrs. got me a rather low score of XXXX!
Product: Checking or savings account

I was charged overdraft fees numerous times over months. I tried to resolve it but no luck. My bank is Navy Federal Credit Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act XXXX  account ( s ), XXXX XXXX XXXX {$8200.00} # XXXX XXXX  XXXXXXXX XXXX {$960.00} # XXXX Dept of education XXXX XXXX Department of education {$90000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} # XXXX XXXX XXXX XXXXXXXX XXXX  {$870.00} # XXXX XXXX XXXX  XXXXXXXX XXXXXXXX XXXX {$1800.00} # XXXX XXXX # XXXX {$260.00}, have violated my rights. 
( 15 USC 1681 section 602A. ) States I have the right to privacy. 15 USC 1681 section 604a also States a consumer reporting agency can not furnish my account information without my written instructions.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed several inquiries that I did not authorize. On my Equifax report I see 2 inquiries from XXXX XXXX and 1 from XXXX XXXX  on On XXXX. On my XXXX report I see there is an inquiry from XXXX XXXX XXXX on XXXX that I did not authorize
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Ive gone ahead and Disputed 3 times with american express serve 4 transactions made in XXXX. Ive even summit ed a police report. They have denied my claim all 3 times and with the last claim denial they close my account stating that I was in violation of member agreement 15 D.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item 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 you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Pathways charged off an accounts that wad already paid in full prior to reporting charge off. Experian refused to remove the charge off and " investigated '' 3 times all within 30 days. The charge of was filed that day after full payment wad made. But experian refuses to remove it.
Product: Credit card or prepaid card

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX- XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I dont have any acknowledgment about this best egg loan account of company showing on my report
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, an Agent for XXXX  XXXX XXXX XXXX, and XXXX XXXX XXXX in fact, for ANY and ALL derivatives thereof, for the surname/given name. I have been APPOINTED and ACCEPT being the XXXX, both public and private, for all matters proceeding, and I, hereby, claim that I will autograph for my given name, XXXX XXXX XXXX, and as the XXXX XXXX XXXX in fact. 

XXXX finds there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.Code 1681 ( b ) The Consumers right to privacy 15 U.S.Code 1681 ( a ) ( 4 ) Upon reviewing my consumer credit report, I have noticed several inaccuracies. You have a DUTY pursuant to Fair Credit Reporting Act to report ONLY accurate and fair information. In accordance with the Fair Credit Reporting Act, XXXX, has violated my rights. 

I have a right to privacy. 15 U.S.Code 1681 section 604A Section 2 : states a consumer reporting agency can not furnish an account without my written consent and instructions. I AM DEMANDING SUCH PROOF for the following accounts : XXXX ACCOUNT # XXXX AMOUNT {$840.00} DATE XX/XX/year> XXXX XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT {$1400.00} DATE XX/XX/year> XXXX XXXX XXXX XXXX  # XXXX AMOUNT {$6500.00} DATE XX/XX/year> XXXX XXXX XXXX XXXX # XXXX AMOUNT {$430.00} DATE XX/XX/year> The consumer credit report, pursuant to U.S.Code 15 1681 ( a ) ( XXXX ) exclusions-except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to Section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; late payment entries identified on the consumer report are a VIOLATION OF MY RIGHTS AS A CONSUMER. 

You are in non compliance of the Fair Credit Reporting Act by reporting this inaccurate and false information. It is causing me SEVERE harm. My report should be updated to reflect MY correct and accurate information. 

Thank you for your prompt attention to this SERIOUS manner. Please feel free to contact me with any further questions. 

Sincerely, XXXX XXXX XXXX XXXX living man )
Product: Mortgage

I have been working with SPS since XXXX of 2016 my file for modification was denied in XXXX I have submitted the additional income that was not calculated in the application and to today every time I call each representative is telling me something different.
Product: Debt collection

Fox collections is reporting a collection on my reports but has never verified after countless request.
Product: Debt collection

I am disputing this d ebt collection fr om Toyota Finance Corp for t he following reasons : On   XXXX   2013 I lost my job,  I fell behind in my payments and notified  toyota that I could no longer pay the agreed upon pa yments. I asked if we could work something out and get into a program, I wanted to pay as much as I could until I got another job. I ended up owing them 3 months of payments about 1200.00. They refused to negotiate with me and repossed the car. They added on  XXXX  for the repossession and then started adding on additional chargesto sell the car and transport it to another state. I have no record of these charges. The  XXXX  I owed them became {$4700.00}, they kept adding on charges and interest. I could have had the car almost paid off by now. This was unnecessary on their part, they have ruined my credit f or four y ears and I have tried to come to an arrangement with them. They treated me completely unfairly. They want {$4700.00}, for a car they took from me when I only owed around {$1200.00} originally. That is completely unfair, they have the car and they unjustly charged me. I just want to settle this dispute so it can be removed from my credit rating.
Product: Vehicle loan or lease

XXXX XXXXXXXX is a notice of fault and opportunity to cure. Your company selling a debt after you collect the tax loss from IRS is questionable. Your company has not sent me a 1099c and have not yet validated the debt nor shown how your company provided the alleged loan. Where did the alleged loan originate from? I request a audit of the debt. I now have a claim against your company for violations and injury to my person and property in the total of {$60000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I'm providing you a courtesy. This can be settled in court if you want to have it so. I will have to report fraud to IRS if this continues. Or remove your negative remark on all reporting agencies including but not limited to XXXX and XXXX. I don't consent to fraud and your company violating my rights. Please remove all negative remarks immediately within the four day allotment and settled my claims of injury immediately. Thanks.
Product: Money transfer, virtual currency, or money service

XX/XX/22 dispute case XXXX over charged theft XXXX. Owner said refund for emergency leave from XXXX XXXX Amount of XXXX was never paid customer service did not want to take alter information for dispute case, alter information for investigation po box XXXX XXXX XXXX MO XXXX XXXX XXXX emergency number for dispute case also @ XXXX withdrawal XXXX. Never show on XXXX XXXX XXXX, XXXX had to use my bank statement to verify.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Attention : Experian XXXX Department LETTER OF INTENT TO SUE I am writing to file a formal complaint regarding my recent experience with a representative from Experian 's fraud department. On XX/XX/year>, I called to check the status of my dispute and spoke with a representative named XXXX. 

During our conversation, I inquired about the investigation process for my dispute. XXXX informed me that Experian does not conduct an investigation and only passes the information to the furnisher for them to investigate. He stated that Experian does not verify the information after it has been investigated by the furnisher. 

This information is concerning and contradicts my understanding of Experian 's obligations under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, Experian is required to conduct a reasonable reinvestigation of disputed information to determine whether the information is inaccurate or incomplete. This process should include verifying the accuracy of the information reported by the furnisher. 

I am particularly concerned about the inaccurate information that is still being reported on my credit report, which has not been investigated by Experian based on what XXXX stated. Specifically, the accounts with XXXX XXXX XXXX, account number # # XXXX, and XXXX XXXX XXXX  XXXX, account number # # XXXX, are still reporting inaccurate late payments and inaccurate loan terms, which have caused me to be denied for loans. 

If these inaccurate accounts are not investigated and removed from my credit report within XXXX  days, I will proceed with filing a lawsuit against Experian. XXXX will be called as a witness to confirm that Experian does not conduct investigations, and phone record conversations will be requested by the court to prove my case. 

Additionally, please be aware that a complaint has also been filed with the Attorney General, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). 

It is important to note that Experian has faced lawsuits for similar issues in the past. For example, in the case of XXXX XXXX Experian XXXX XXXX XXXX XXXX, the court found that Experian 's procedures did not meet the FCRA requirements. Furthermore, Experian agreed to a {$22.00} XXXX class-action settlement for failing to properly verify information before reporting it to third parties. 

A copy of this complaint has also been mailed to Experian by certified mail for legal purposes. I would also like to note that I called Experian on the following dates : XX/XX/year>, XX/XX/year>, and XX/XX/year>, to discuss the status of my dispute, and both times I spoke to XXXX. 

I am requesting a thorough review of this matter and immediate clarification on Experian 's dispute investigation procedures. It is crucial for consumers to have accurate and reliable information regarding the handling of their disputes. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX fraud on reporting along with attorneys General Child support fraud
Product: Debt collection

I received a letter dated XX/XX/19 from Access Receivables about collection. I was out of town when the letter was received but on XX/XX/XXXX wrote a letter to the company requesting validation of the debt. I have continued to get daily phone calls and messages- many while I am working. I called them back today and reiterated that I have requested validation and will not talk to them - not to call me - while I have not received validation. The rep began to argue with me that they will not send me a personal letter and how else are they supposed to contact me. I reminded her it is my legal right to request validation in writing and they are disturbing my ability to work. She STILL did not say they would not call or that they would send me a letter ( as I understand is required ) and raised her voice so I terminated the call
Product: Checking or savings account

PNC does not allow 3rd oarty access to my account which XXXX have given permission to..like trade and investment apps.
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.

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. please help me.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Banana Republic ( BR ) to dispute charges to my credit card, as a person called and stated they needed to help me resolve fraudulent charges. A caller had me download an app and was able to access my phone to make charges from my credit card. After an hour, I contacted XXXX and XXXX  as well as BR about the charges. XXXX  has removed the charges as they found I was not responsible, XXXX XXXX the cards that were purchased so no purchases could be made. I have contacted BR multiple time and am currently in a second dispute. On XX/XX/XXXX I contacted XXXX out of the XXXX  XXXX office ; she stated I will receive a email in a few days, and looks as if charges will be removed. On XX/XX/XXXX I contacted customer services ; XXXX stated her needed to redispute, as there was no record of the dispute. XX/XX/XXXX, I spoke with XXXX, who sent a request to dispute Dept regarding the status. On XX/XX/XXXX, XXXX stated he need to make the dispute 2 separate charges because it was initially done as one charge. On XX/XX/XXXX, XXXX needed proof of charges made to bank account ; I sent proof. I received 4 letters since asking for examples of proof of payment that charges were made on a different card. I have stated to 3 separate people that they were not made on a different card, but that XXXX  and XXXX are the XXXX companies that resolved the dispute and XXXX made the cards purchased unusable. On XX/XX/XXXX, XXXX asked me to dispute again. On XX/XX/XXXX I contacted BR to make sure they received my fax. On XX/XX/XXXX I contacted BR because I was receiving notices to pay my bill, was is when I found out that I had to re-dispute the charges again.