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

In XXXX of XXXX I filed a dispute with XXXX  in regards to a collection account being reported on my credit report i received a response in late XX/XX/XXXX that the account had been VERIFIED as belonging to me and would continue to be reported on my XXXX  credit file. I since a 2nd dispute notification to XXXX  in XXXX of this year XXXX, I received a response from XXXX  dated XX/XX/XXXX that stated " The disputed item is not currently reporting on the XXXX  credit file '' which was FALSE and I suspected that so I pulled my report via my personal XXXX  account and sure enough the collection account was still being reported on my XXXX  credit file as of XX/XX/XXXX. In XXXX of this year I filed two separate disputes with XXXX  because I have yet to be provided with detailed VERIFICATION that this account belongs to me nor is by dispute even being investigated. I received two separate responses from XXXX  none that provided Verification of the account belonging to me. In XXXX of this year I contacted the debt collector and the company responded that the debt was SOLD to them in XXXX to XXXX but provided NO information that VERIFIED I owed Portfolio Recovery Associates {$940.00},
Product: Credit reporting, credit repair services, 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. ( XXXX XXXX XXXX  XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy. 

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written 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 other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 USC 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: Checking or savings account

I was emailed to see if I wanted to do a painting project and we accepted it. The scammer sent us a check for XXXX and we were told by the bank customer service rep that the check had cleared the scammer wanted us to cash a check and then send the money out to pay for vendors for paint and materials. 
The check was fraudulent and the money was already sent to the scammer of {$3900.00} and the check Was sent back as fraudulent and Im out the {$3900.00}. Im trying to receive my money back because I had no idea that this person was a scammer and took all my money. Please help Im devastated that my money was stolen from a scammer, and the bank is not giving my money back. Please help. 

XXXX XXXX XXXX oh my God
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 listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed some complaints, my information has been leaked to the dark web here a day ago I just hired and attorney to sue XXXX for damaging my credit and hurting me financially I have accounts I no my credit that does not belong to me and are fraud Im disputing these accounts as follows XXXX XXXX car loan, XXXX XXXX credit card. XXXX  XXXX credit card and XXXX XXXXl credit card and XXXX XXXX credit card.. I want these accounts removed off my credit I have filed a ftc identity theft report about these accounts, I also filed with the attorney generals office here in XXXX to help with the situation, I do have a lawyer taking this case to sue XXXX, my information has been exposed and has been used, so I want these accounts removed with no excuses because I have been treated rudely by people at XXXX, understand this has caused a lot of problems for me so please know I am providing evidence
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a credit report that OneMain Financial had accessed my credit report without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported all of these inquiries to the following Credit Reporting Agencies, Transunion XXXX  and submitted info related to fraud on my account with the illegal use of my Social Security No., and asked that all of the hard inquiries be removed from my credit report, as these are impacting my credit score, and are being illegally reported on my credit report.

However these Credit reporting bureaus have  refused, and completely refused to remove these erroneous inquiries from my report. 

The following inquiries are on my report and these reporting agencies refuse to take them off. 

XXXX - XX/XX/XXXX MAB RETAIL - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX OFFLEASE ONLY - XX/XX/XXXX OFFLEASE ONLY - XX/XX/XXXX OFFLEASE ONLY - XX/XX/XXXX OFFLEASE ONLY - XX/XX/XXXX CAR FINANCE - XX/XX/XXXX CAR FINANCE - XX/XX/XXXX INFORMATIVE - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my credit report and I contacted Equifax in order to resolve these issues. They have down right failed to comply with FTC Regulations and refused to fix this issue. This is a clear violation of my consumer rights.
Product: Checking or savings account

On XX/XX/year> I took my Cash App card to the ATM they use, XXXX XXXX to withdraw {$800.00} The money did not dispense but my account was charged. I was in contact with the XXXX XXXX manager and she told me she had the ATM balanced and there was an overage of {$800.00} so she can confirm my money didn't suspense. I have filed a complaint with CashApp. Today marks the 10th buisness day, and I have not received an update or a provisional credit which is required under Reg E that they give me one if the investigation is still ongoing.
Product: Debt collection

This debt was a {$200.00} overdraft from Best Bank in Georgia from XXXX, which has gone out of business. I am in the process of fixing my credit myself and undisputed alot of old items on my credit report. These people called my mother, niece, my brother, and my sister in-law, and told them different things like there is a warrant for my arrest, and told my niece I am involved in a domestic abuse situation. They gave them a case number to give to me. When I called they threatened me again with a warrant and told me if I didn't pay there's a chance they can arrest me. Since XXXX I have gone thru XXXX XXXX and for them to call my whole family and get everyone upset thinking that I committed a crime is horrible and it gave me anxiety. Now they are calling my job.
Product: Student loan

With the increasing awareness on tactics of predatory student loans I believe there is cause for a investigation in the student loan company ECSI. 

At XXXX XXXX XXXX ( Tuesday ) I was unable to reach ECSI to pay my loan. Their web help line was unavailable and their phone lines indicated there was a 20min wait time. After leaving a message to be called back, my number was never returned. I 've attempted to contact ECSI many times in the past with similar problems. 

Considering my significant balance with ECSI of {$53000.00}, my monthly interest accrual is approximately {$210.00} per day, so around {$7.00} per day. 
Delays in the ability to conduct payments or discuss account problems causes undue financial burdens on the customer. 
Moreover, when trying to give a one time payment on my account, I am unable to pay the same day or day after and only have the option of paying on specified days put forth by the loan company, the soonest date being XXXX XXXX, 2017. By delaying my payment of {$25000.00} until the XXXX, I continue to accrue a higher debt load as the loan balance is higher over further increasing the amount of interest owed. Also, as I 'm unable to put in a one time payment, I need to set the auto payment to {$25000.00}, have the payment go through on XXXX XXXX and then login again and switch the auto payments back to the monthly amount. NO OTHER STUDENT LOAN COMPANY makes their customers do this. This also sets people up for failure. Moreover, their website is down frequently and is very difficult to navigate making mistakes more likely. 

After finally getting through to a customer service representative, he confirmed that yes, there was not way to electronically put in my payment sooner than XXXX XXXX. He also said they were updating their website and he would send me the link to the new one but he never sent it. I asked why I was n't able to access this when I searched for their site online. 

Please please look into this company. I had loans with XXXX and this company is going the same thing! Sincerely, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern about the disputed accounts on my credit report. I have raised issues regarding inaccuracies multiple times and have consistently requested thorough investigations. Unfortunately, I have yet to receive any resolution or corrective action. 

These erroneous accounts are significantly damaging my credit file and affecting my ability to lead a normal life. The negative impact of these inaccuracies has created considerable hardships for me, and I am reaching out for your assistance in resolving this situation as quickly as possible. 

I kindly request a comprehensive investigation into each of the disputed accounts. It is essential that steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. 

I urge you to prioritize this matter and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX  IN 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 15 U.S.C 1681 section 602 A. states I have 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

This company Midland Credit has posted a debt collection to my credit report. This debt doesnt belong to me and I sent written communication via certified mail requesting proof of this debt on XX/XX/year>. The amount is {$720.00}. The account number is XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I live on XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. However, I lived in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, where I had a XXXX XXXX XXXX  XXXX  car, which I left there before moving to XXXX   XXXX. 

On XX/XX/XXXX, I transferred an amount of US dollar {$330.00} via Cash App to a friend, XXXX XXXX, who lives on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX to pay for the car 's annual tax. 

Just after the transaction, XXXX realized that his cell phone dis-functioned to pick up the money. Then I chose to cancel the transaction and return the money back to my account. 

On XX/XX/XXXX, I called Cash App customer services to cancel the transaction and transfer the money back into my account, unfortunately, it never happened as expected.The representative I spoke to via telephone number XXXX XXXX XXXX XXXX, The representative deliberately, gave me wrong directions to purportedly transfer {$330.00} back to my account. 

As soon as I finished talking to customer services, I checked my bank account for any credit, instead, I realized the debits of total {$2600.00} total in four different transactions of {$110.00} ; {$100.00} ; {$1200.00} ; and {$1200.00} the same day ( XX/XX/XXXX ) I tried to call Cash App customer services many times to get the money back, but they asked me to pay {$500.00} to get the {$2600.00} back, or buy a XXXX XXXX card, then send the number on it. The also asked me to go to the closest XXXX XXXX or XXXX XXXX store to ask for the transaction. They finally started hanging the phone up on me.Actually, they have closed my Cash App account ; I have no one else to ask help from, other than Consumer Financial Protection Bureau.
Product: Credit card or prepaid card

I have been a longstanding customer with this company. I contacted capital one via online dispute and requested that late payments be removed from my credit file. I explained to them that I had some financial hardships, including loss of employment, and unfortunately was unable to make the payment on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Capital one has been unwilling to help me resolve this matter in any way.
Product: Debt collection

This said collector was suppose to have removed my account from all 3 credit reporting agencies and still have not done so.
Product: Vehicle loan or lease

XX/XX/2023 santandander usa keeps calling me at all times of the night, XXXX they will threaten me even though i do payment plans the next agent who calls does not honor it, they tell me that if i do not make a payment they will garnish my checks XX/XX/2023 they called my place of work told my boss that they want to pull from my paycheck XXXX spoke with agent XXXX XXXX  explained my situation. 
homeless an living in car that everytime i get money I put it on my account. 
she offered to do a payment plan. 
i paid, but still keep getting calls at all hours and at work, they call 5 to 6 times a day, not including my work calls
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/CBNA XXXX I was NEVER LATE on this account. CBNA is reporting multiple inaccuracies on my credit file. I've contacted the credit several times and have yet to receive a response or explanation. 

I have attached my bank statement from XX/XX/2018 through XX/XX/2018. Correct the errors immediately or delete this account off my credit file! 

I've contacted the credit several times and have yet to receive a response or explanation..
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE AUTO FINANCE THEIR IS NO WAY POSSIBLE I WAS LATE THE DAYS YOU WERE REPORTING - THIS CAR WAS TRADED IN AT THE DEALERSHIP. THIS IS NOT OUR FAULT YOU HAD NOT BEEN PAID BY THE DEALERSHIP FOR THIS CAR. PLEASE SEE DOCUMENTATION TO SUPPORT MY CLAIM. PLEASE CHECK YOUR RECORDS. I AM GIVING YOU 30 DAYS TO FIX THIS AND IF NOT I WILL HAVE TO PROCEED WITH LEGAL ACTION AGAINST YOUR COMPANY AND THE DEALERSHIP.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Experian XXXX, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to Experian XXXX, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 2. Lack of Detailed Verifica
tion Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit reporting

After reading the FTC website and filing an identity theft affidavit I then mailed my dispute to XXXX and Transunion notifying them that accounts were open in my name without my permission. 

I disputed the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX BANK XXXX, XXXX XXXX
Product: Mortgage

On XX/XX/year>, I tried to make my {$4500.00} payment online due that day, but I could not because the payment amount listed online was nearly {$300.00} more ( {$4700.00} ). I called the mortgage company on XXXX when I discovered this discrepancy, and they said that it would be fixed by XXXX. On XXXX, I went to make my payment online and found that it had not been fixed at all. I called the company again on XX/XX/year> and the CSR indicated he could put a complaint in and that it should be resolved in three business days. So I am still waiting to make a correct payment amount because they will not accept any payment amount less than what their ( XXXX ) system shows. I just want to make my payment! For the correct amount!
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and  they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, Experian, and XXXX XXXX to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : US DEPARTMENT OF EDUCATION opened XXXX Account # XXXX highest balance of {$2000.00} new balance of {$3000.00}, US DEPARTMENT OF EDUCATION opened XXXX Account # XXXX highest balance of {$1100.00} new balance of {$1400.00}, and XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account # XXXX Balance {$11000.00}. There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$3100.00} ; XXXX XXXX  XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$620.00}
Product: Credit card or prepaid card

The problem is, Bank of America withdrew from my Savings account, rather than my Checking account, like they had been. 

On XX/XX/2019 I used BOA 's Bill Pay software to withdraw from my account labeled ESL. Their software correctly withdrew from my ESL Checking account. 
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I continued using their software to withdraw from my ESL checking account. 
On XX/XX/XXXX, after making no changes, BOA 's software decided to withdraw from my ESL Savings account. 
I had the cash in my Checking account, but not in my savings account. 
Because of BOA 's random decision to withdraw from Savings, the withdrawal failed. And, BOA charged me {$25.00} for their software mistake, and my ESL bank charged me {$74.00} ( two NSF fee 's )
Product: Debt collection

Capital one is reporting that my account is closed and is charged off on my consumer report but is still messaging me to pay that amount thats old to bring my account for present