23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

the name of the company id like to complain about is riverwalk financial.I received several misleading phone calls regarding my federal student loans. XXXX is currently the holder of my student loans and they are currrent and in forbearance. I spoke with one creditor who was very crafty with his words and he sent me some documents that i really didn't understand and i sent them back. He told me it was a program for school loan consolidation and i told him i am current and in forbearance. This company is now calling me all hours of the day and demanding payment when i told the person on the other end of the line that i was in forbearance and unable to make payments at this time. Considering my loans are already in forbearance I thought nothing of it and continued on with my life as usual. Since XXXX XXXX i have been receiving harrasing phone calls demanding payment. when i explained that i am in forbearance and do not have to make payments to a XXXX party the gentleman said that he didn't care, if i do not make payments that it will get sent to collections and go against my credit report. i told him what he was doing was not fair and he basically told me there was nothing i could do about it even if my loans were in forbearance i still owe riverwalk financial institution their payment. i received a message on my banking app that my credit score drop from a XXXX to a XXXX overnight. i feel like this is a scam and are trying to make me pay them instead of my loans and i'm not sure where the money is actually going because my federal student loans are current and in forbearance.
Product: Credit card or prepaid card

-Card company closed my card XX/XX/2018. 
-Ive

made automatic payments since. -Im trying to p
ay off this debt via a loan company. 
-Credit card company wont give me my account number so that I can pay my balance. 
-Since account is cancelled I cant get a new card with account number. 
-Credit card statements dont have account number. 
-Online chat wont give it to me. 
-I called and they wont give it to me. 
-I escalated to a supervisor and they still refuse to give me my account number. 
-This account has been closed for almost 4 years ( their doing and nothing related to missed payments or exceeding balance ) so I dont have the card anymore and I dont have any monthly statements with the account number. 
-I need my account number to have this paid by the third party company and this credit card company is refusing to cooperate. 
-Ive been trying for weeks. And my deadline for this loan company is 9 days. 
-If I dont pay this its going to show as late payments and then go to collections. 
-Why am I not entitled to my own account number? Why are they refusing to give me information that will allow me to pay my bill? 
-They have given me zero options except to pay with a bank account online or over the phone which dont work for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

About at least two week ago, Hillcrest Davidson and Associates called me to inform me that they will take legal action if I do not respond in a timely matter. Afterwards, I contacted Hillcrest Davidson and Associates, and I was put in touch with a debt mediator. Her name is XXXX XXXX. Her number is ( XXXX ) XXXX ; ext. XXXX. Ms. XXXX told me that I have an outstanding balance of {$1600.00} dollars. She offered a settlement of {$500.00} dollars. I asked Ms. XXXX if I can send {$500.00} dollars in monthly installments. Ms. XXXX said that I could and asked me how much I can send. I told her that I can send her {$100.00} dollars a month. Ms. XXXX declined. Ms. XXXX want to settle the debt quickly, so Ms. XXXX offered {$250.00} dollars a month. I agreed. The problem is I'm currently unable to pay the first payment of {$250.00} a month because I don't have enough sufficient funds to pay the first payment of {$250.00}. I don't have enough sufficient funds because I was paying my household bills and other expenses to other debt collectors. I don't know what to do.
Product: Credit card

XX/XX/2023 subject to identity theft. 
Personal information only shared with credit card company was used. XXXX employees from credit card company stated that it is an ongoing issue that they think may be internal sourced.

Told to not pay anything until resolved. Told that no interest will be charged and will not affect credit while in dispute.

Required numerous phone calls with request of removal of fraudulent charges as evidenced by attached timeline due to failure of credit card company to remove as requested.

Credit card company continued to fail to remove fraudulent charges. Current charges for charge back of apple cash that was generated by fraudulent charges and never used. Agent for credit card company recognizes this and said should be removed. 
Failure to remove and now receiving numerous phone calls from debt collector. Debt collector saying should have paid fraudulent charges and asked for reimbursement.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXXs required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, TRANSUNION Bureau did not take any action to remove the incorrect information and inquiries listed below : Inquiry : XXXX  Date of inquiry XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute about my credit report inquiry I am writing to report many UNAUTHORIZED credit inquiries on my part. 
On XX/XX/2024 I have a consultation from XXXXXXXX XXXXXXXX On XX/XX/2024 I have a XXXX consultation On XX/XX/2024 I have a query from BARCLAYS BANK DELAWARE I recognize myself as a victim of identity theft and would like it removed from my credit report. 

Please investigate this matter and remove the disputed credit inquiry as soon as possible.
Product: Mortgage

I performed a short sale with Regions Bank in XXXX. The Account should have been closed as per the acceptance terms. Recently we found out that a derogatory payment was reported to the credit bureaus on XXXX, which has affected my credit score. 

No derogatory information should have been reported, because the account was closed in XXXX.
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 the 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 of these violations.
Product: Credit reporting

Credit Reporting Agency : Equifax - Legal Item. This issue is Primarily My Name Being the Same as the Defendants Name on a legal case, Which is the most that Equifax is tieing me with. Had Disputed this case a year ago, Equifax Verified they had no actual Information Connecting Me with the incident. No SS # No Drivers License # Infact the Collections Debt account is not on my Report Either, Just the Judgement Case has been Put on due to My Name being the same. Equifax has refused to remove the Public record.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/24 Dear Credit Bureau, I am writing to bring to your attention certain inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit Terms. 

XXXX XXXX XXXX I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. 
In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. 
Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. 
The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. 
I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. 
Thank you in advance for your immediate attention to this matter. 

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

I filed chapter XXXX bankruptcy on XX/XX/XXXX.XXXX/XXXX was one of the Creditors in the bankruptcy.A few years ago every creditor i filed chapter XXXX bankruptcy against has disappeared on my credit reports except XXXX/XXXX.Currently my credit reports shows Michigan XXXX XXXX under Public Records and XXXX/XXXX under closed accounts.No other creditor i filed bankruptcy against is on my credit reports except XXXX/XXXX.Ive tried disputing on all credit reports and even called XXXX to remove under closed accounts, but for some reason they wont.Currently, My XXXX report shows : Date opened : XX/XX/XXXX Balance:XXXX Pay status : Account included in Bankruptcy, closed account Date Closed:XX/XX/XXXX Date updated:XX/XX/XXXX Last Payment made:XX/XX/XXXX High Balnce:XXXX Credit Limit:XXXX Remarks : Chapter XXXX Bankruptcy ; Acct info disputed by consumer ; closed by credit grantor I have takened all steps to resolve my issue with XXXX/XXXX and cant get them to make corrections.Its like they are punishing me for filing chapter XXXX bankruptcy against them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

The bankruptcy on my credit report is listed as a Chapter XXXX when a Chapter XXXX was filed on that date. I have asked for them to correct it through the investigation process and Experian either reports back to me that the information is " verified '' and/or refuses to investigate it. 

I have attached one of my Chapter XXXX documents that were filed on the date listed on my report as evidence of the type of filing. I have also attached a brief summary of the situation to confirm the resolution I am seeking.
Product: Checking or savings account

On XX/XX/2019 I applied to open a checking and savings account with JP Morgan Chase to which I was approved. I made a deposit to my checking account because disclosure stated I needed to make a deposit within a specified time to which I did. I used my account accordingly and was in the process of setting up my direct deposit with my employer. On XX/XX/2019 my fiance attempted to send money to me via a feature called XXXX however the payment she tried to send did not go through. Upon realizing this I called Chase to find out that my account was in the process of being closed. I asked why this was happening and three different representatives stated that chase chose not to do business with me and this is forever. I can never have a chase account as long as I live. They did not give me a reason or anything, the representatives stated that " it is what it is '' and according to the disclosures chase sent they are able to close an account without reason. MY complaint is that if this was the case why did the compliance allow me to open my account in the first place. I did not overdraft my account nor did I have a chance to even have my direct deposit to be deposited into my account.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX. Account # : XXXX XXXX XXXX XXXX XXXX. Account # : XXXXXXXX XXXX. Account # : XXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX. Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporting act XXXX Account XXXX ( XXXX XXXX ), has violated my rights. 
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. With all do respect i've reported this account twice now please take action you have no idea how bad having this certain account on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to my creditors that are reporting my payments as past due and I have never been late on a payment. I have had issues with these companies reporting incorrect payment status. I gave them the opportunity to fix this but seems like I'm not getting anywhere and I was advised I could reach out to you. These are the accounts reporting inaccurate payment information. 

1. XXXX XXXX Acct # XXXX XXXX XXXX, Equifax, XXXX ) 2. XXXX XXXX XXXX   # XXXX ( XXXX ) 3. XXXX XXXX XXXX Acct # XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested and was granted by XXXX XXXX a payment accommodation ( deferral ) plan on or about XXXX of 2022 in accordance with the Cares Act. My account # is XXXX. Late payments were reported in XXXX and XXXX of 2022. 

On two different occasions XXXX XXXX reported me late to the credit bureaus adversely affecting my credit. XXXX XXXX was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection under the Cares Act regarding credit reporting an scores. 

According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX failed to do that and reported me late severely damaging my credit score, and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Product: Debt collection

I am not aware of this debt nor understand what it is. I was not notified properly nor was this debt properly confirmed to be owned by me. I would like the accuracies to be checked on this account between all XXXX credit bureaus as it's missing or removed on the other ones. 

AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. Here are the accounts, XXXX XXXX XXXX, CB Indigo with one late payment on XX/XX/year>. 
I looked at my XXXX credit report on XX/XX/year> and notice some things are incomplete and also not accurate and according to the Fair Credit Reporting Act. Whenever consumer report agency prepares a consumer report shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 1681 ( E ) ( b ) and according to 15 USC 1681S they are supposed to do this, treatment of an accurate or unverifiable information. Also, XXXX credit reported agency violated rights from the Fair Credit Reporting Act U.S.C. 1681i ( 1 ) ( A ), ( 5 ) ( A ), U.S.C. 1681S ( a ) ( 1 ) ( a ) and ( b ).
Product: Credit reporting or other personal consumer reports

Experian has not updated my credit report in months and I recently filed a dispute to correct some of the information they are reporting. I uploaded documents from XXXX, my student loan servicer and from the Washington State Division of Child Support. 

However, Experian has rejected my documents per an email received a couple of days ago.
Product: Debt collection

XXXX overcharged me {$200.00}. I repeatedly asked them for a complete accounting from day one, about 12 months or so. Eventually I stopped receiving correspondence from XXXX. About XX/XX/2016 I received a dunning letter from XXXX XXXX, Diversified Consultants , Inc, XXXX XXXX XXXX, XXXX, Fl XXXX, demanding the same {$200.00}. 
I responded on XX/XX/2016, certified mail, again advising the charge was an error or submit a complete accounting to me. No response & now I find a negative collection on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking at my credit report I noticed a negative entry that I am not responsible for, and as a result of this I have become a victim of Identity Theft. The account was opened in XXXX of XXXX, and the amount is {$760.00} that I am not responsible for. I have not called the company however I did file a Identity Theft report and a police report and sent all of that information to all three credit bureaus.
Product: Debt collection

XXXX uses deceptive and abusive business practices. Made Phone calls to my work. 
Waited 20 days to Tape a Notice of Commencement of Action Filing papers on my front door with all my information and details displayed for the public and all to see and read. A friend who came to visit read the posted notice and alerted me at work. I immediately left work early to come home and remove the notice from my door. As soon as I came home, my neighbor informed me that he had read the notice and was going to call me. It was embarrassing! I immediately took a picture of the posted notice
Product: Debt collection

Last XXXX  I noticed several weekly payments coming out of my account from Tempoe , LLC. I called them and asked what this was and they couldn't give me any information as I didn't have an account with them. I asked them " why then are you taking out money from my bank account? '' They suggested I call my bank. 

I called my XXXX XXXX  and they started an investigation and issued me a new debit card as that was how the monies were being removed. They reimbursed me all the funds. 

Sometime in XXXX I started receiving phone calls from a company that said they were trying to collect on the debt. I relayed the same info to them as above. They told me that they were emailing me information. I asked what email they were using and it wasn't mine. Something like XXXX???? 

I then called XXXX County Sheriff Office and spoke with a Deputy who said that this was a common ploy and that I should just tell the people who called that it wasn't my debt and hang-up. He also suggested I keep a watch I my credit report. When I looked today, I found a negative report from XXXX XXXX XXXX in the amount of {$1400.00}. I called XXXX and disputed the report. They suggested I file a claim with the FTC.gov which I am doing today. 

Can you please help?
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX , XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.