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

i noticed that XXXX XXXX  is claiming that i owe {$360.00} on my credit report. There is no way my account could have been negative because i did not have overdraft. Also i was never contacted about this with the chance to dispute.
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 proces 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

MARLETTE FUNDING accessed and obtain a copy of my XXXX consumer report without my written authorization. I never gave authorization for this company to obtain a copy of my consumer report. I also sent a notice of dispute for unauthorized credit inquiry by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX DISCOVER BANKXXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 finish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account underman open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I have made multi call to Citifinanical to remove a Lien-holder from my vehicle. I have never taken a loan out on my car, they do not have anything in their computer base states that I have a loan with them! no record of anything except for my Vin #. The company have transfer me over to many department, finally the Lien department still no records on file, but they will not release my vehicle until I have evidence that it pay in full!. I explain to them I have no document for this issues and I have never taken any loan out. I purchase my care in the year 2004, XXXX XXXX XXXX was my lien-holder, I am the only one who own this vehicle when I purchase it. so I went to the D.M.V and they gave me the the paper work that was requested from CitiFinancial. I need help to correct this issues. Attach with this request is my DMV paper work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received an email from Experian stating my credit score had changed. I logged into Experians home page and noticed my credit score had dropped 22 points and when I checked the credit report against the credit reports I had already downloaded I noticed there werent any changes such as inquiries ( They were exactly the same ). I called Experian to find out how could my credit score have dropped 22 points when there werent any new information or inquiries provided to them? I was first told by the agent that I was right that nothing had changed but Experian wasnt in charge of my credit score dropping and that they only go off information provided to them. I was then told I would have to hire a financial professional. 
This argument didnt make sense at all and asked to speak with a Supervisor ( XXXX ), XXXX stated the same XXXX argument and when I asked her If there wasnt any new information that would impact my credit that wasnt already there but Experian dropped my score how could you say that Experian is only going off information provided? XXXX wasnt able to intelligently give me a plausible reason but continued to spout that I had to hire a financial professional so I hung because they knew their argument didnt make sense and I wasnt getting anywhere. 

Experian Membership ID # XXXX
Product: Mortgage

I have made multiple attempts since XX/XX/XXXX to cancel XXXX  on my mortgage with this company to no avail. They asked me to order an appraisal on my home, which I did, but the XXXX sent by Dovenmuehle Mortgage severely lowballed my home to make it difficult to cancel the {$220.00} XXXX  fees I pay extra each month on top of my principal, interest and taxes. I am struggling and barely making ends meet just to pay my mortgage because of this extra fee. I fear my home may go into foreclosure. This company is making it extra difficult to cancel XXXX. They keep moving the goalpost each time I satisfy one of their requirements. My home is worth more than what their XXXX suggested. I have had my home appraised by other financial institutions for a higher value ( significantly higher ). The exact same homes, a couple of doors away from my home have recently sold for way higher than their XXXX suggested. Please help me, I can't fight this company. I fear losing my home. This company mistreats its customer just for their benefit. I have provided everything proof of home value they asked for, and I have met and exceeded every requirement to cancel XXXX, but yet they still will not give my application fair consideration. This company has a track record of doing this to its customers. They have horrible reviews and similar bad complaints online. Please help me, I don't want to lose my home. 

Below I have attached the appraisal that Dovenmuehle Mortgage did on XX/XX/XXXX, alongside copies of very close and similar comparables which they failed to consider in their appraisal. I have also attached a copy of a recent appraisal of my home by another financial institution. 

Thank you
Product: Vehicle loan or lease

I made payments to Truist bank on my truck monthly without incident. Then, there was an unfortunate accident in XX/XX/XXXX that totaled my truck. My insurance company XXXX promptly processed my claim and paid off the loan XX/XX/XXXX. I continued getting billed by Truist bank in XXXX and XXXX so I called and was told the payment wasn't received. The insurance company sent an invoice in response showing the payment cleared. Truist requested a photo of the endorsed check. XXXX provided a photo of the check matching the invoice endorsed and date stamped by Truist Bank XX/XX/XXXX. Truist assured me they would look into getting it fixed. In XXXX my husband was diagnosed with XXXX XXXX XXXX. He needed XXXX to be followed by XXXX My other vehicle is older and has had some mechanical problems that were also expensive on top of medical bills. I hoped the issue would be resolved so I could try to purchase a new vehicle. The XXXX XXXX who was qualified to do the XXXX was a XXXX XXXX drive from our home. It would be better to have a new, more reliable vehicle. My van broke down twice during this time. I continued being billed by Truist in XXXX and XXXX. They sent my account to collections and reported on my credit. I tried again to call and email Truist bank about the problem. They assured me it would be taken care of and give them another month. XXXX and then XXXX I was billed. My credit score was taking a nose dive. In XXXX, I reported to the credit agencies about the problem. The manager of the collections department at Truist Bank " reached out '' to let me know they " found '' the check. He confessed they put it into the wrong account of someone with my same first and last name. He promised that they would be getting the money into the correct account and it would be back dated to XX/XX/XXXX as paid. After that, I tried reporting to the credit agencies again but it is now XXXX and the problem is still not resolved. I do not understand how this isn't fixed yet. XXXX requested the payoff amount from Truist bank in late XX/XX/XXXX and paid that amount in full XX/XX/XXXX. Truist acknowledged their mistake since XX/XX/XXXX but it is now XX/XX/XXXX and I am still getting bills and late notices. My credit score has been ruined. I can not get a new vehicle to take my husband to his XXXX Everyday when we make the drive I pray we will not break down again. Please do something to stop this and prevent it from ever happening again to anyone!
Product: Debt collection

On XX/XX/2021 I sent a letter to OAC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Student loan

Requested and paid for 3 month foreberence to be made current at end of said foreberence. I was charged {$150.00} immediately on the phone - payment went through - agent heard and understood my inability to pay and that the {$150.00} was justified I suppose to get a piece of reprieve from outrageous calls to me and more my grandma ( co signer ) I have recording of call when other agent investigated the issue when I was asked for payment six weeks  after foreberence in place. I was dooped and it 's admitted in conversation and we can retrieve the records from recorded phone call if needed. I was denied any form of a transcript. Please help me get treated with some decency. Thank you for your time.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, and 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 an 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: 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  XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( c ). ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any 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.

15 U.S.C 6802. I did not receive the required opt-out notice at the time the account was created and now being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$59.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$76.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$680.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : ) XXXX Balance : {$84.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th attempt to dispute the information in my credit file which is resulted from an identity theft. Again, Im sending over an Identity Theft Report # XXXX XXXX and XXXX. Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) Credit Bureaus are required to block any information in my file that resulted from an identity theft, not later than 4 business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report. Please block these unknown items from my file XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$340.00} ; US DEPT ED XXXX Balance Owed XXXX {$57000.00} ; US DEPT ED XXXX Balance Owed : {$71000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$430.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union is not and has never reported my mortgage account to the three credit bureaus, since XX/XX/year>. 

I have reached out to them on several occasions to try to get this resolved, and they keep telling me to " dispute '' this matter, but you can only dispute something that exists. My mortgage account with Navy Federal Credit Union does not exist, according to my credit report, so there is no way I can dispute their not-reporting. 

Their lack of reporting is fraudulent.
Product: Credit card or prepaid card

Ordered merchandise in XX/XX/XXXX from XXXX XXXX, which was charged to XXXX XXXX account serviced by Comenity Bank. Statement showing initial purchase was never received. The first statement I received showed a late fee and interest. Company was asked to waive late fee and interest since first statement after purchase was never received. Company refused. I paid IN FULL for merchandise purchased in XX/XX/XXXX AND merchandise that was ordered in XX/XX/XXXX or XX/XX/XXXX that had not been billed, yet. This left a balance that was around {$28.00} of late fee and interest. I requested orally and in writing that my account be closed so as to not accrue additional late fees and interest. My request was ignored and XXXX XXXX/Comenity Bank kept my account open to be able to continue to add a late fee and interest every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a companion to CFPB Complaint # : XXXX. 

Experian continues to fictitiously " investigate '' by comparing data with the source who provided it. They continue to update my credit report with " Account information disputed by consumer ( meets requirements of the FCRA ) '' when, in fact, their investigation does NOT satisfy the requirements of FCRA. 

They have NOT contacted anyone at the respective companies. They have NOT viewed any documentation that proves account ownership. 

As CFPB may be aware, any company can furnish data to Experian. Provided the company meets the requirements to report data, they only need to submit the data in Metro-2 compliant format irrespective of its accuracy. 

Just because the data furnisher and Experian have matching information, it does NOT mean it belongs to me or is factually correct. The investigation process is NOT accurate in e-Oscar ; I have demanded and demanded physical verification of account ownership ; instead, I get new disputes opened up, and get letters saying they will not re-investigate. 

The letter I am attaching to this complaint will be sent to relevant government organizations. 

I respectfully ask that the CFPB conduct an independent investigation into the dispute process utilized by Experian as continuing to reduce my complaint to an e-Oscar code, sending it to the data furnisher and receiving a 'verified ' label in return is NOT a fair or equitable means of verifying account ownership. To date, they have NOT provided points of contact or documentation they viewed to make the determination that their continued reporting of the items attached meets FCRA standards. 

In fact, Experian offers companies two methods of viewing and scoring data from potentially erroneous or outdated sources : XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account - XXXX XXXX, Account Number XXXX ** Dear Equifax Dispute Department , This letter is to formally dispute the fraudulent account appearing on my Equifax credit report, attributed to XXXX  XXXX XXXX account number XXXX. I assert that I did not openn this account, nor have I authorized anyone to do so on my behalf. This account is fraudulent and is negatively impacting my credit score. I have previiously attempted to resolve this matter directly with XXXX XXXX, but they have failed to acknowledge my dispute or cease reporting this inaccurate information to your agency. I have also filed an Identity Theft Report with the Federal Trade Commission ( FTC ) on XX/XX/year>XXXX  and have included a copy of the reprtr with this letter. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I request that Equifax conduct a thorough investigation into this matter and permanently delete this fraudulent account from my credit report. 

Attached are copies of the following documents as evidence supporting my claim : Copy of my FTC Identity Theft Report Correspondence with XXXX XXXX I expect a response to this dispute within 30 days, as rquired by the FCRA. Please provide written confirmation that the fraudulent account has been deleted from my Equifax credit report. Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received information and credit hit for a collection from XXXX XXXX stating I have a balance of {$3800.00} with XXXX XXXX XXXX for account # XXXX. My account with XXXX XXXX XXXX was paid in full and closed in XXXX after vehicle was totaled out. Insurance AND GAP benefits paid amount on payoff quote submitted from XXXX XXXX XXXX. Recently even received a notice of a XXXX credit from XXXX XXXX XXXX. I do not owe any money to this company, and it was impossible to be late in XXXX as that car does not exist and I was not financed through them at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX, Experian, and XXXX  in regards to inaccurate reporting that I've noticed on my credit report and they have failed to meet the request of deleting the inaccurate information from my credit report. I need this account DELETED immediately from my report I do not who these are affecting my entire life.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX2017 XXXX erroneously reported to XXXX that they had closed my XXXX XXXX account ( ending in XXXX ) and opened a new account XXXX XXXX ( ending in XXXX ). 

This was not supposed to be reported like this and this adversely affected my credit score. 

I have communicated this to XXXX via 1 ) email 2 ) US mail 3 ) certified mail 4 ) phone and 5 ) fax I have credit alerts showing this reporting. I have sent this documentation to XXXX also through the above-listed methods. 

XXXX  refuses to correct this error. 

I have also filed a dispute with XXXX. 

XXXX XXXX XXXX
Product: Debt collection

The two companies that are involved are XXXX XXXX XXXX, representing XXXX XXXX, which took place on XX/XX/XXXX,  where they are claiming that I owe them {$25.00} for medical services rendered on their behalf. The other company is XXXX XXXX XXXX, who are representing XXXX XXXX XXXX XXXX. Claiming that I have an open, owed account in the amount of {$2100.00} for medical procedures which apparently began on XX/XX/XXXX, for medical procedures provided me. Both are claiming that these are individual accounts that I am responsible for. However, I never received any treatments from either facility without first full approval from XXXX ( state funded medical care. ) Any time I needed any procedures performed, XXXX had to be first notified for approval especially considering my physical and financial situation and no medical procedures were performed or given without their written guarantee of payment for each and every medical procedure. I also had to have prior authorization from my XXXX XXXX XXXX as well as my XXXX to be certain that no treatments would interfere with medications being taken at that time, prescribed by them both, as I am under both their care for serious deteriorating conditions. I had n't even any idea that XXXX XXXX was claiming that I owed for medical procedures as I was never contacted. Not by mail or by phone. I do n't even remember the year that I was called by XXXX XXXX XXXX XXXX, whether it was XX/XX/XXXX or XX/XX/XXXX. The only time I had ever been  contacted was by phone when we discussed that XXXX had pre-approved any and all procedures that I had received. Since I never heard back from them I assumed that the matter was cleared up. It was n't until I checked my credit on XXXX, in XX/XX/XXXX that I even knew there was an open account with a collection agency in my name. <P/>1st collection agency info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX 2nd collection agency info : Works and Lentz XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX