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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have repeatedly requested verification of the amount this debt. They have repeatedly told me that they would get it right in the mail. At one point, we negotiated a settlement on the account, and I asked once again for verification of the debt, prior to sending a check. They never sent me the information. Evidently they are n't able to verify this information. In the beginning, I tried to get them to send a monthly statement of account and they refused. I called and tried to work with them to no avail and I do n't want to end up paying for debt that is not mine.
Product: Student loan

I have student loans with the US DEPT of Education as well as well as the US Dept of Education XXXX. I had these XX/XX/2011. I have paid these religiously and I am current on everything. I had a company contact me called Windham Professionals and demand XXXX. 
They would n't allow payments. they said the only way to avoid fees is to agree to a lump sum payment. The issue was the Dept of education had crossed XXXX addresses when I updated my address. and when I got this notice from Windham It was messed up as well. The lady I spoke with was horrible and she would n't let me speak to anyone other than her. and then her reply was " just do n't pay it! '' Th
Product: Credit reporting or other personal consumer reports

I have made many attempt to resolve the issue with this company. I feel discriminated against. They are refusing to remove the negative reporting they created.
Product: Mortgage

Specialized loan services also known as SLS, I have set up automatic deduction from my checking account to pay them each month. This fall XX/XX/XXXX, is escrow review and new payment schedule. All good there, they deduct at the old amount and then they changed it to the door about and I was okay with that. However, they say they did not get their payment when I did in fact come out of my account to do escrow payment about for the month and to get to do for that to continue on out from here. The bank themselves even emailed the company and facts three types but this has been paid. They say they don't get payment. I called myself I get the same runaround XXXX I don't know what else to do send here to you Maybe my checking balance sheet would you like me to send it here? SLS mortgage has this but they say they don't it's been emailed six times now
Product: Debt collection

Late last year, I received a letter from a collection company called Phoenix Financial stating that I owed {$1200.00} to a company called XXXX XXXX XXXX. Shortly thereafter there appeared entries on my XXXX and XXXX credit reports as well. I contacted the collection agency via is mail in XX/XX/2018 asking for specific information about the alleged debt, as I had never heard of any of the companies involved and in no way felt it could be owed by me, and that if they could not verify the information as requested the were to cease communication and remove the credit reporting entries. To date there has been no further communication from Phoenix, yet they still fraudulently continue to report the account that isnt even mine to the above referenced reporting agencies. I would be happy to provide you with a copy of the letter that I mailed back in XXXX as well. Please have this company stop reporting an account on my reports that doesnt belong to me.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. I understand that you will look into these items for me to ensure they are accurate. Here is the item I am asking you to verify as accurate : Equifax : XXXX XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was on my vacation in XXXX, and XX/XX/XXXX I got a message from Us bank about fraud transaction, I put " no " it no my purchase, call to bank and block my card. But later I saw XXXX transactions on my card. I called US bank again and explained the situation. They assured me that card was blocked and I am not responsible for it and I will get provisional credit. Later XXXX more transactions appeared on my account, I called US bank again and again. XX/XX/XXXX I saw {$210000.00} debt on my account and call USbank again. The representative was rude, do not want to listen me and said the case is close because transactions were before I call. It is nonsense. I call when usbank send me alert, but they dont sent me alerts when someone used my card for huge amount. USbank does not want to speak with me and be fair, and these XXXX transactions not mine for sure. I explain when I saw and used this card and what is not mine. Total ignore and rude attitude and put on my account {$2100.00} that is not mine! Please help me with this situation.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason, I request that all of the attached inaccurate information listed in my credit file be removed immediately. 
XXXX XXXX Balance Owed : {$23000.00} XXXX  XXXX XXXX Balance Owed : {$410.00}
Product: Money transfer, virtual currency, or money service

Three payments in the amounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX total ) were requested from XXXX XXXX XXXX username : XXXX XXXX XXXX The payments were authorized on XXXX XX/XX/2024. At this time, it appears that Venmo misclassified the payments as " XXXX and XXXX '' and placed them on hold. Despite the sender immediately contacting Venmo ( Request # XXXX ) Venmo has repeatedly declined to correct or reverse the transactions citing " For us to move forward and have this issue resolved, we need to speak directly with the recipient. ". XXXX XXXX, the recipient, and here, complainant, has instructed Venmo to process the refund/reclassification pursuant to the sender 's request on XXXX XX/XX/2024 and again on XXXX XX/XX/2024. Venmo has failed to acknowledge those instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX insists on reporting information they know is false despite multiple requests. XXXX XXXX and Equifax report this knowingly false information despite multiple requests. Now Im ready to take legal action against all parties involved as the refusal to correct this literally asinine error has caused and continues to cause me significant harm.
Product: Debt collection

I have received a letter from a Collection Agency called Convergent Outsourcing , Inc attempting to collect a debt which I do not owe or have any knowledge of in the amount of {$1300.00}. The information on this letter is for an account # XXXX for XXXX which I do not recognize. 
I do not have any responsibility for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reviewing my credit report over the past month, which I have hadn't looked over it in the past 8 months. I have noticed discrepancies, unauthorized pulls on my credit report. I have called each company that has pulled report, all 3 credit bureaus and I have tried to file a police report, per what the credit bureaus have told me to do and have not had any help in resolving this issue. I was told last week that I needed to file a complaint with the FTC, per Transunion and XXXX. I was told that this would be the only way I could get help with this issue, which is unfortunate. These companies are supposed to help relieve stress for the consumer, not drag them through hoops and stress. Below are the inquires I am disputing that were unauthorized nor an extension of any credit. I also have complaints about my correct spelling of my name and address on my credit report. On Transunion and XXXX I see many different variations of spellings of my name and many unfamiliar addresses. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient encouraged me to consolidate my loans into one but not interested is high.
Product: Checking or savings account

This is an online money market account AXOS Bank, also operating as XXXX XXXX, sent me a threat lettter, that if there was no activity on my account, they would report it to the government. 

I then attempted to log in. My password did not function. After a long time dealing with their customer service people, they said they would e mail me a password change request. It never came. ( all my other e mails reach me and I had nothing in spam filters ) Finally, I called back to close the account. They said I had to log in to close the account. Again, a long time on hold. I explained I CAN'T LOG IN TO CLOSE THE ACCOUNT because the system won't let me log in. 

I do online banking with other money market places, and no such problem. 

I have attached their little threat letter. 

All I want is to close this account without having to log in to their shabby website, which I can't do. 

Now, they are saying they will send me a message that I have to respond to in order to verify it, so I can close the account. However, to see the message, I have to log in to their website, which has been impossible.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit as a XXXX  XXXXXXXX member and XXXX XXXX. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : Military Star - XXXX XXXX : Military Star - XXXX XXXX : Military Star - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPT. TODAYS DATE : XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam ( if you know the name of the person in charge, the better ), This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX   XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : 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
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : U S DEPT OF EDXXXX XXXX XXXX : {$6200.00} DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPARTMENT OF EDU XXXX Balance XXXX {$6200.00} DEPTEDXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My account with Capital One was never late! I have had exceptional payment History With Capital One and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment.

This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/year> to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Capital One never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule 1002 and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports FRAUDULENT ACCOUNT : Late Payment Capital One - XXXX
Product: Debt collection

LVNV sent me the consumer [ XXXX XXXX ] emails on the following dates XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 about an alleged debt. After looking into the alleged debt in all three ( 3 ) Credit reporting agencies XXXX, XXXX, and XXXX I then moved forward to dispute this alleged debt with LVNV, this is my right as the consumer under the FCRA. 
On XX/XX/2023 I sent LVNV a letter tracking # XXXX XXXX XXXX XXXX XXXX of dispute with a conditional communication via mail correspondence only. 
I did not receive a response from LVNV to the first dispute letter. 
After 30 days I sent LVNV a final letter ( Notice ). The last letter was sent on XX/XX/2023 for the alleged debt. I stated in the final letter that LVNV was being deceptive in sending two ( 2 ) other collection companies to collect on the same alleged debt. I've already reported one of the collection companies for Identity theft with the FTC, CFPB, and XXXX. In this formal complaint I want to do the same for this third party collection company. 
They never responded to any of my letters for the alleged debt. I have the right to dispute a lawful validation of debt pursuant to CFR 1006.34 Notice for validation of debts under the FDCPA. 
Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which LVNV did continue to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 
LVNV is in violation of the following Laws ; 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 
15 U.S. Code 1681 q - Obtaining information under false pretenses. 
18 U.S. Code 1028A - Aggravated identity theft.
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 Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: 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 an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries done by 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  were not authorized..I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report
Product: Debt collection

This is in regards to 2 related issues from the same incident : My Fifth Third ( Secured Credit ) Account ( Ending in XXXX ) was closed due to non-payment of the monthly credit card fee. When I first started the account, I put up {$300.00} as a Security Deposit. The account was maxed out at XXXX before it was closed. The non-payment was the result of my recent income loss. Now that I'm working again, I made an attempt to set up a payment plan to pay off the amount owed in response to a XX/XX/2022 letter I received from the bank. I made the call on XX/XX/2022 : ( XXXX ) but noticed right before making the call that the letter claims I owed a balance of " {$390.00} which includes late charges and/or fees of {$40.00} '' however, this amount is incorrect as it doesn't account for the {$300.00} security deposit that was swallowed by Fifth Third when the account closed. That would mean the true amount owed would be closer to {$93.00}. 

( XXXX ) The second issue was that I was unable to get in contact with the bank in order to pay off this debt. On XX/XX/2022 I attempted to call the number from the letter I received : ( XXXX ) XXXX XXXX whole hours before closing. I got in contact with the collections representative who would ask for my information and then hang up the phone while I was providing this information or right after. I called back 3-4 times reaching different agents and each time they'd hang up the phone before I could verify my account & the amount owed. The fact that this happened across several representatives and in the same manner indicated to me that this wasn't a personal/professional issue with the representative but some sort of policy to disconnect the call. The only reason I could assume it is to stave off the payback of the debt for as long as possible while additional interest fees and late charges can accrue. If so, this is highly unethical. I live in New York currently, and as such, I am unable to walk into a Fifth Third location in order to pay the debt off. I would mail in a check or money order but have not received any steps to do this from Fifth Third.
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, XXXXXXXX XXXX : # XXXX, XXXX : # XXXX show never late, 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 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.