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

The unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX  and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly REMOVE OR DELETE this information which can not be verified. 
XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX I was never late on this account, please update this on my report XXXX  - XXXX I was never late on this account, please update this on my report XXXX  - XXXX This Information is Incorrect XXXX  - XXXX This Information is Incorrect XXXX  - XXXX This XXXX is Incorrect XXXX  XXXX XXXX XXXX XXXX This is not mine XXXX  - XXXX This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against XXXX, Equifax, and XXXX for their blatant disregard for the Fair Credit Reporting Act ( FCRA ), specifically their failure to complete their investigations into disputed credit report items within the required XXXX period as mandated by XXXX XXXX XXXXXXXX ( a ) ( XXXX ) ( A ). These credit reporting agencies have demonstrated a clear pattern of noncompliance and negligence, causing undue harm and financial stress to me as a consumer. 

VIOLATIONS BY CREDIT REPORTING AGENCIES : Failure to Investigate Disputes Within XXXX Days : Pursuant to XXXX XXXX XXXXXXXX ( a ) ( XXXX ) ( A ), credit reporting agencies are required to complete their investigations within XXXX  days of receiving a dispute. Despite my timely and detailed submissions, XXXX, Equifax, and XXXX have failed to meet this statutory obligation. 

Failure to Provide Timely Notice of Investigation Results : In accordance with FCRA guidelines, the agencies must provide a response to the consumer with the results of their investigations. I have not received any such correspondence within the legally required timeframe, further compounding their violation of my rights. 

Failure to Ensure Accuracy in Credit Reporting : These agencies failure to comply with FCRA standards has resulted in the continued reporting of erroneous, unverifiable, or incomplete information on my credit report, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Number XXXX XXXX  XXXX XXXX IMPACT OF THESE VIOLATIONS : The continued presence of erroneous and unverifiable information on my credit reports has caused the following damages : Defamation of Creditworthiness : The inaccurate data has impaired my ability to access credit on favorable terms, subjecting me to financial discrimination. 

Emotional Distress : The agencies negligent actions have caused undue stress, frustration, and anxiety. 

Financial Harm : XXXX interest rates and denials of credit applications have resulted directly from their failure to comply with XXXX investigation timelines.
Product: Debt collection

Received a letter in the mail from Midland Credit Management claiming I owed {$5800.00}. The original creditor is listed as " XXXX XXXX XXXX XXXX '' despite the fact that I 've never had an account or any sort of contact with said bank. On top of that, the charge-off date is listed as XX/XX/XXXX even though I did n't have any sort of credit account until XX/XX/XXXX. The claims are completely bogus as far as I know and have no merit to them.
Product: Vehicle loan or lease

My payments are due on the XXXX of each month. I am currently 9 days past due. Money has been tight, so I have been running 10-15 days behind, admittedly. 

I always make my payment every month and will continue to do so. I received a billing statement from Navy Federal today XX/XX/2022. The billing statement envelope window contains my name and address. Right under It also contains a statement thats states : Our records indicate that your consumer loans ( s ) is past due. 

This statement is in the billing statement envelope window, clearly visible for the mail facility, mail carrier and anyone in my residence who retrieves the mail to see. This is a privacy violation. Navy Federal should not be disclosing on my billing statement envelope window the status of my account for anyone to see. 

I feel by Navy Federal disclosing on my billing statement envelope window the status of my account they are intentionally trying to collect on the payment owed by disclosing my account information as a way to shame and let others know my account is past due.

This practice of Navy Federal of disclosing the account status of the account in the billing statement envelope statement window seems like it is illegal to do so under the fair debt collection practices act. In addition, when the statement was processed and mailed I would have been past due by a day or two.
Product: Debt collection

This dept is reporting to my credit report I have no knowledge of this dept I have tried several times to get this issue resolved and they are constantly violating my rights In accordance with the Fair Credit Accordance this accounts has violated my rights 15 U.S.C 1681 section 602 A1 States I have the rights to privacy 15 U.S.C 1861 section 2 1602 A section B a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I deposit my check on XX/XX/2023 and dome of the money supposed to be available on the XXXX and the rest the XXXX, and it wasn't, after they told me on the XXXX, and it haven't happened, it has been 7 business days, and nothing, I haven't be able to paid in full my credit cards, and they have create it interest, they been having my money, my bank is bank of america, and they been holding my {$42000.00}, please help, thanks
Product: Mortgage

From the transactional information from XXXX XXXX and Mr.Cooper, it appears that XXXX XXXX made 2 home insurance payments to 2 separate home insurance companies. One which was made to XXXX, the authorized and known company to provide my home insurance coverage from XX/XX/XXXX - XX/XX/XXXX and another to XXXX Insurance company which was not authorized to provide coverage for the same time period, XX/XX/XXXX - XX/XX/XXXX. Not only was XXXX not authorized to provide coverage, they took it upon themselves to charge 2 - 3 times more the normal cost. Why XXXX XXXX made that payment is unknown to me and they will not explain. I only found this out because the current mortgage company, Mr. Cooper, is now demanding an escrow payment of {$6300.00} and is threatening me for me to make payment or they will take actions to take my house. I don't know exactly what the {$6300.00} is based on but XXXXXXXX XXXX bill for this year 's coverage, XX/XX/XXXX is for a crazy {$5700.00}. I did not authorize or know that XXXX was billing the mortgage companies at ridiculous amounts behind my back and collecting payment on their unauthorized billings. I did find out that Mr. Cooper did pay XXXX this year 's coverage for {$2200.00}. 

The {$6300.00} payment is an erroneous and ridiculous amount of escrow to pay and Mr. Cooper is not willing to assist or cooperate in any manner to address the issue I discovered on their flawed analysis. Someone needs to step in and stop Mr. Cooper from forcing me to pay an escrow amount that is neither valid or legal to charge me. Action is needed immediately to prevent their error from escalating into something worse.
Product: Consumer Loan

I am extremely and severely being harassed by this bank. I had my car towed away 3 times. I feel this is racism. Today XX/XX/2016 my car was towed and I was in shock. I ca n't believe it .Me and my kids are in shock. I looked maybe I 'm made a mistake. I checked my bank account XX/XX/2016 XXXX paid,XX/XX/2016 XXXX paid,XX/XX/2016 XXXX paid,XX/XX/2016 XXXX,XX/XX/2016 XXXX paid. The bank is being paid. The first time my account had a fraud company deducting money out of my account, my checking account took too long to refund my money. They towed my car in 1 day to New Jersey I had to hire an international car service to get my car back. that was when I received my independent foreclosure for {$6000.00}. Anothrer time they took my car in 1 day to 2 hour drive upstate. Every time they tow my car it is 2 or 3 three days from my payday. I get paid {$55000.00} to {$60000.00} a year.I get a raise every year. And every year I can take a pension loan for $ XXXX.There is some extreme jelousy going on. my statement on line has {$2300.00} in tow and repossession fees and it says Recent payment XXXX 0n XX/XX/2016 and payment due XX/XX/2016 XXXX It stays on my credit report. my loan is reducing now down to {$12000.00}. I 'm trying to retire in 2 years and buy a home not be harassed and have my credit ruined by this bank. 2 years ago a female texted me I complained and my car got towed away. it seemed like I 'm begging for my car.I 'm in fear I keep their checks being paid out of my account because the pull 2 times 4 days and 8 days. they are always paid and i 'm charged {$30.00} fees. I fell on XX/XX/2016 I have a few XXXX. My XXXX is on it 's way.i just made payments.My kids and grandkid ca n't get to work or school.I still ca n't believe my car is gone.
Product: Credit card

Commencing on or about XX/XX/year>, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX - XXXX with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent affiliate marketing-learning services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via credit card, in the total amount of XXXX USD utilizing your services. I entered a contract with specific refund criteria. During review in XXXX, they demanded {$XXXX} for ads, contrary to the agreed {$XXXX}. I requested a refund, but they insisted on {$XXXX} spending as per the original contract. Despite spending half with no revenue, they claimed {$XXXX} profit from {$XXXX} spent. They suggested promoting the course for financial concerns, resembling a pyramid scheme. They deny a refund, treating participants more as workers, benefiting from their spending. Despite paying {$XXXX} for XXXX months ' access, I still have full access. Initially asked {$XXXX} for yearly access, now refusing to reimburse my ad account credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a customer of XXXX XXXX with Merrill Lynch XXXX, AZ. He has slandered, lied and sought to incur harm on me and my family by spreading false rumors and advertising news of my bankruptcy by communicating to others locally and out of state thereby causing my son to be evicted as XXXX contacted my sons landlord across state lines to evict him in CA through no default under the lease. Additionally, he caused me, my wife and family great irreparable harm in the business community and socially in XXXX by diminishing my reputation to do business in a community I have lived in for 50 years. He is a criminal seeking to destroy me and my family. 
As an employee of Merrill Lynch, this company has attacked me causing substantial financial damage by ruining my reputation and causing the lost of millions of dollars in revenue which I have enjoyed my entire lifetime. This employee of Merrill Lynch should be fired and fined. 

As a former client, this company has sought to damage me and my family. There must be recourse against them.
Product: Credit reporting or other personal consumer reports

1. Experian is the only credit bureau I authorized to keep my credit report, to this effect I had a personal statemen, which the company removed without consulting me, and which I can not reinstate, because their web site does not permit any other personal statements than the ones they offer, 2, Experian credit report does not list my addresses correctly, I am sick and tired of providing corrections via fax and mail, and they do not permit me to do over the Internet. WHY??? MAKES NO SENSE, as much of what those credit bureaus do, 3. During the month of XXXX, I had THREE unauthorized report inquiries, each of which reduced my credit score by XXXX points, One of them was from XXXX, another from XXXX, and the thirds from the company I have never heard of, The companies, of course, do not reply to the reports of their misdeed. XXXX DOES NOT PERMIT TO FILE THOSE DISPUTES ON LINE, NOR TO CONTACT THEM ONLINE, WHY? TO WASTE AS MUCH OF OUR TIME AS POSSIBLE? 
XXXX, I am XXXX yo and I am sick and tired of the credit cards and Credit Bereaus abuse, I DO NOT HAVE ANY MORE TIME TO WASTE ON MONITORING AND DISPUTING THE IRRESPONSIBLE CREDIT BEREAUS, WHO CAN NOT EVEN KEEP THE SAME CREDIT SCORES FOR ALL OF THEM, They need to multiply their abusive organizations? It is their responsibility to make sure that they reporting the same scores and the same data, AND THEY MUST BE FORBIDDEN FROM SELLING OUR PERSONAL DATA TO WHOEVER THEIR WISH,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 An online inquiry was made to prequalify for a mortgage. This was clearly outlined as a soft pull. USBank made a hard pull that was not authorized. I did have a conversation with a XXXX XXXX to discuss products and I informed him this I was just checking on the possibilities. When he said I would need X amount of money down, I informed him that I did not have it in cash but maybe able to use some resources when Im ready. No documents were exchanged and no further steps were made. We closed the conversation with he would crunch some numbers based on the financial information I provided him. After we hung up, I received alerts from my monitoring bureau an inquiry was made. I immediately sent an email to XXXX disputing approval. I sent him a screenshot of the terms this was a soft pull. He, in turn, sent me a screenshot of boxes someone else checked. After detailed proof that I on the boxes was him and in the boxes it says the borrower ( see document ) gives consent. I never gave consent online or in our conversation. I tried to explain they should write a letter to the credit bureau to remove the hard inquiry. He said he didnt believe they could do this. Our back & forth conversation is documented through emails & pictures. I am asking to have this hard inquiry removed from my report because it was not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern on my XXXX credit profile I did not authorize majr financial XXXX, XXXX XXXX XXXX, XXXX  XXXX, or US SM BUS ADMIN XXXX Authorization to pull my credit profile please remove all inquiries immediately
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 see appropriate redress for these violations.
Product: Credit card or prepaid card

PayPal will not update my available credit, nor make this credit available to me after more than fifteen ( 15 ) days, despite my paying off the credit card in full last month. PayPal has no such waiting period when customers choose to make less than a full payment on an account. This unlawful credit card policy was put into place so as to deter customers from paying the full balance and avoiding the more than thirty ( 30+ ) percent in interest. Please take legal action against PayPal, administratively and/or otherwise, since U.S. law requires that all payments be immediate applied to existing debts, under the common law mailbox rule among other valid sources of law. PayPal already is on notice about the unlawfulness of failing to immediately credit all customer accounts : as evidenced by class actions that customers filed against this company when it colluded with XXXX to improperly withhold moneys that were owed to XXXX sellers that had fully performed under escrow contracts. Thanks.
Product: Checking or savings account

There was a fruad for XXXX $ and bank is not putting it back already 2 weeks the result was that They did jot find enough evidence about it. I am a current XXXX  and i dont know what to do in this situation
Product: Debt collection

On XX/XX/XXXX I sent an letter to A, D, Astra Recovery Service to validate an debt. 

I requested the following : Date the debt was transferred from original creditor to the 3rd party. 
*The current balance they bought the contract for. 
*Copy of the contact I signed with the 3rd party not the creditor. 
*Any fee 's added by the agency Sec.392.303 ( a ) ( 2 ) *Texas Surety Bond information as required by Sec 392.101 As of date XX/XX/XXXX, I was not provide with the above mention. I was provide with the details from the creditor Speedy Cash but I was not provided with any information in reference of A.D. Astra Reovery Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus XXXX, Experian and XXXX stated that my account with XXXX XXXX XXXX account # XXXX has been properly investigated, but with further investigation by my part by obtaining a detailed credit report I have found inaccurate information reported. Collections inaccurate, Account type ( details ) inaccurate, Number of month ( terms ) inaccurate, High credit inaccurate, Payment status inaccurate, Last reported date inaccurate, Comments inaccurate, Date last active inaccurate, and also Last date of payment inaccurate. Also the reporting Originator Creditor name are not matching as well. In review of my consumer credit report I have noticed that there are multiple inaccuracies reported wich are violations of my rights under 15 USC 1681 SEC 602 A, 15 USC 1681 SEC 604 SEC ( 2 ), 15 USC 1681 SEC ( 623 ), 15 USC 1681 SEC 611 ( a ), 15 USC 1681 Sec ( 2 ) ( 8 ) ( e ) 15 USC 1681 ( 5 ) ( a ) 15 USC 1681 604 A. I have never gave permission written nor verbal for any information to be provided from or by any entity for any purposes. Under 15 USC 1681n ( a ) ( 1 ). Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} shall be awarded per violation. I want {$1000.00} per violation for actual and statutory damages as well removal of account from my consumer credit report by all reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from XXXX XXXX XXXX in XX/XX/2022. They used XXXX bank for financing. I returned the car the following day and my deposit was refunded via check on XX/XX/. That car loan of XXXX is still showing on my credit reports as open loan thats financed by XXXX bank which is effecting my income to debt ratio. 

I have disputed this with all 3 credit bureaus. I have reached XXXX XXXX and the dealership for past 7 months but this debt is not being removed from my credit file. Its showing as an open loan. Why is Experian XXXX removing this from my file? I have messaged them multiple times with documentation.
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. 

and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On Friday, XX/XX/XXXX, I received a text message from Revco Solutions Debit Collector regarding an outstanding utility bill from XXXX XXXX. The message indicated that I owed {$200.00} for the final bill at XXXX XXXX XXXX, XXXX, TX. I immediately contacted Revco and was connected with agent XXXX, who explained that XXXX XXXX had forwarded the collection amount of {$200.00} to Revco for the mentioned address. During our conversation, I made it clear to XXXX that the bill in question had been fully settled in XXXX. I emphasized that the attempt to collect this bill was erroneous, as I am diligent in paying my bills on time and have an active service. When I inquired about the source of this information, XXXX informed me that XXXX XXXX had reported the bill for collection to Revco Solutions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, 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