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

Inquiry : experian XXXX XXXX XX/XX/22 Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX - XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting

I have not approached TransUnion directly because they continuously provide erroneous information. This time XXXX XXXX has provided information regarding my credit utilization and it appears that while XXXX has it right, TransUnion has it wrong ; yet the credit factors come from the same bank. Since my credit utilization as of XX/XX/XXXX ( it 's when the bank reports ) went from XXXX % to XXXX %, Equifax has increased my score by XXXX points. TransUnion on the other hand continues to use the information from XXXX XXXX, and decreased my score by another XXXX points! I have provided screenshots to support my claim. 

I do not believe this is a mistake since I have reported them to you a number of times. I believe this is punitive and I think if they were fined for their behavior, they would be less likely to react to these situations with canned responses.
Product: Debt collection

I had purchased a resale timeshare at XXXX XXXX in XXXX Hawaii from their resale office. I was led to believe that when I was finished with the timeshare or just did not want it anymore that I could resell mine through the same office I purchased it from. In late XXXX I contacted XXXX XXXX in an effort to resell my timeshare. I was told the resell office no longer exists. I then told them they could have it back for free because I was no longer interested in the property. They said no thanks and that if I didn't pay, that they will be turning me over to collections. That they did. The collection company name is Meridian Financial and I guy named XXXX calls me every month.
Product: Credit reporting or other personal consumer reports

MY credit report was pulled by XXXX different creditors and the loan that was previously held with Mechanics Bank keeps showing up as an open account even though my car was refinanced over XXXX years ago and the loan should be closed and not still reporting as an open account.
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 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 XXXX XXXX XXXX XXXX U S DEPT OF ED/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, 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 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 or 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 cashapp ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measure 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 Electric 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: Debt collection

My medical insurance paid the bill, and I was then subsequently billed again for the full amount. My insurance provider then opened an investigation, and it was decided that I did not owe the amount that was billed. I have now been contacted twice by a debt collection agency for this amount, despite sending them a letter asking for proof of the debt upon receipt of the first notice. I have yet to receive proof of the debt.
Product: Student loan

My student loans are more than what they are suppose to be, I have several different loans I do not recall signing for. XXXX was suppose to be XXXX fee and I see a number of loans from them.. XXXX was to be XXXX price and I see several from Iowa and XXXX that I did not sign for. My degree with XXXX is sometime over looked and not considered because of the campus closing, therefore they do not consider the online degree credible. I have no way of knowing what loans I am paying on because I have so many that I do not recall signing for.
Product: Credit reporting or other personal consumer reports

My credit report lists several late payments that are incorrect. These do not reflect my usual on-time payments. Please resolve these issues and update my records.
Product: Student loan

I reached out to XXXX XXXX XXXX after seeing something on XXXX to inquire about my student loans I am repaying. They claimed to be part of the Department of Education and told me they could help to lower my payments by enrolling me in a payment based repayment plan. I ended up qualifying for a {$0.00} payment but I would owe {$39.00} for the service of the program monthly. What I now know is they are charging for a service that is free. They have a company called Equitable Acceptance that charges my account every month. I only became aware of this because when I went to renew this year I was sent to the Department of Education website to basically recertify myself. They do it charge any service fees and can help you do everything. These companies are pretending to help people and even at a low rate, the amount adds up over years and per clients. 
I have tried to resolve this issue using my bank. They have put a stop payment on future debits for the {$39.00}. However, they are not able to reverse XXXX of the charges. I have also changed all of my Department of Education login information so these companies have no access to my things.
Product: Debt collection

I did not receive any written or verbal notification of this collection or what this is for. It just showed up on my credit report. I think I have the right to see what this is about before anything is placed on my credit report
Product: Credit reporting or other personal consumer reports

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 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 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX  These are a series of inquires XXXX have never been authorized by me against men credit after leaving XXXX XXXX and starting my own business I ran across these unauthorized inquires which are causing me hardship due to all of these inquires against me I have filed complaints with all three credit bureaus the above listed inquires were not authorized by me XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputed documents in XXXX, XXXX  and XX/XX/XXXX to all three credit burueas XXXX, XXXX  and Equifax disputing information that is incorrectly being reported on my credit report. The account in particular is XXXX XXXX   acct # XXXX, account opened on XX/XX/XXXX and was closed and charged off in XXXX for XXXX! This account is reporting incorrectly and each month after the account has been closed still reports monthly that the account is passed due! How is this so, when it is closed and charged off since XXXX! The account per my credit report was last updated XX/XX/XXXX yet up until now XX/XX/XXXX it was reported past due and late! This is in direct violation of fcra and I am demanding that this account is removed from my credit report and all points low because of it be restored to my account!
Product: Credit card or prepaid card

I applied for the XXXX card by Capital One since I was lead there by an advertisement stating new cardholders would receive a XXXX $ bonus if they spent XXXX $ within the first three months of opening the card. I clicked apply, still have a picture of the same advertisement, and got a response stating to confirm the terms to my new XXXX card. I proceeded to spend over XXXX $ in the first month alone. Come to find out I did receive the XXXX card, but this was a special XXXX card. The only difference is that there is no signup bonus, the only reason I got the card in the first place. They say the terms I agreed to was a " counteroffer '' with a special XXXX card without this bonus. The advertisement, which is still on their website, was a misleading tactic to get me to go to this company without giving me anything in return. There are hundreds of credit card companies out there, all of which with some signup bonus, and there is no reason they should expect someone applying for this bonus to have any need for the card without it. I feel completely taken advantage of by misleading advertising tactics. After talking to 4 different people and a process of being hung up on and put on hold for a total amount of time of 2 hours, they said they couldn't give me a single reason as to why I did not qualify for the bonus. What is wrong with me that I get the XXXX card, except I don't get the signup bonus, which was the only reason I wanted the card. They said they can not put in a request to review this information.
Product: Credit card or prepaid card

My husband passed away on XX/XX/2020 shortly thereafter his identity was stolen. I started receiving credit card statements with charges in other states than the state I reside in. I have been trying to work with the credit card company for over 1 year without any success. The credit card moved all of the fraudulent charges from my husband 's name to my name and now they are trying to hold me responsible. I am a senior citizen and do not deserve this type of treatment. I have had enough to deal with losing my spouse of 50 plus years. I had the same issue with other credit card companies and the fraud was resolved within 30 days.
Product: Debt collection

The mcm collection calls more than XXXX  times per day. Leaves more than XXXX messages per week and on XX/XX/ left messages back to back all day
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN : XXXX XXXXXXXX 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 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

My student loans were forgiven through XXXX in XXXX and up until recently, my credit report has shown a {$0.00} balance from XXXX ( federal loan servicer ). Its now showing I owe a {$4000.00} balance. 

Ive attempted to access my information with XXXX, however theyre dont even have an account in their system for me ( since its been XXXX years since my loans were forgiven ). The student loans not only should have a XXXX dollar balance, but also should be removed from my credit reports.
Product: Credit reporting or other personal consumer reports

am filing a formal complaint against Equifax Information Services LLC for their violations of the Fair Credit Reporting Act ( FCRA ), specifically their failure to remove fraudulent accounts and unauthorized inquiries from my credit report. Despite notifying Equifax multiple times about identity theft and providing supporting documentation, they have failed to comply with their legal obligations under the FCRA. 

I am a victim of identity theft, and multiple accounts have been fraudulently added to my Equifax credit report. I have never opened these accounts, and they were not authorized by me. Equifax has failed to remove these accounts and unauthorized inquiries despite being notified, in violation of the following FCRA provisions : 15 U.S.C. 1681c-2 : Requires credit reporting agencies to block the reporting of information that the consumer identifies as fraudulent due to identity theft. 
15 U.S.C. 1681i : Requires the credit reporting agency to conduct a reasonable reinvestigation when a dispute is raised regarding the accuracy of information in the consumers file. 
These accounts were added fraudulently, and I demand their removal. Despite providing Equifax with proof of identity theft, including my Identity Theft Report filed with the Federal Trade Commission ( FTC ) and a police report, Equifax has refused to take corrective action. 
Equifaxs failure to block or remove these fraudulent accounts and inquiries from my credit report constitutes a clear violation of their obligations under the FCRA, including : Failure to block fraudulent accounts under 15 U.S.C. 1681c-2. 
Failure to reinvestigate and remove inaccurate information under 15 U.S.C. 1681i.
Product: Debt collection

I am writing to formally file a complaint regarding Fair Collections & Outsourcing ( FCO ) and the way my paid collection account is being reported to the credit bureaus.

I had an outstanding balance with FCO, and I reached an agreement with them to settle the debt. After a week of calling and requesting a settlement letter, I finally received one. I promptly paid the agreed settlement amount. However, despite fulfilling my end of the agreement, the account remains on my credit report. 

I do not believe it is fair for my credit to continue to suffer when the debt has been paid and settled as agreed. I disputed this matter with all three major credit bureaus ( XXXX, XXXX, and XXXX ), but my disputes were denied. 

I am requesting that the CFPB investigate this matter and require Fair Collections & Outsourcing to remove this collection account from my credit report. Since the debt has been settled, it should no longer negatively impact my creditworthiness. 

I appreciate your prompt attention to this matter and look forward to your response. Please let me know if you require any additional information. 

Attached is the letter of PAID IN FULL with the account number.
Product: Debt collection

Hello i believe the Collection service of Nevada has committed a FCRA violation. I reached out to the Collection service of Nevada to see if the debt was accurate or excusable in XXXX and on or around XX/XX/XXXX. I asked rep about options and what my due date really was she responded back with any amount is acceptable and your bills due the XXXX of every month. I mentioned I had already paid on the XXXX of XXXX or the XXXX of XXXX. She responded with thats great and if you want to settle you have to hang up and call me back with an amount.? I also explained to her that the XXXX apartments had a verbal agreement with me to hold off on sending to collections because of financial struggle and they violated and sent it to collections anyways. Two days later the Collections Service of Nevada reported me to the credit burros with inaccurate amounts and also reported that I was late or had a missed payment which was a false claim and a violation! I disputed it and the dispute came back with a correction possibly on amount but the late payment was still reported as accurate. I have all of my payment receipts and all are processed before the XXXX! my credit dropt significantly due to late or past payment on a collection! During a time that I needed to apply for a new product but couldnt because my credit was impacted by the violation of Collection Services of Nevada! Please help
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mXXXX XXXX XXXX  emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to XXXX XXXX XXXX XXXX XXXX. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.