23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have reached out to the following accounts below and talked to them about the issue with my account as reported by the EXPERIAN. They have advised me that they will remove the late status on my account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Writing a letter to remove incorrect address and employment.
Product: Money transfer, virtual currency, or money service

PAYPAL Purchase : # XXXX Date : XX/XX/2019 SELLER : XXXX XXXX XXXX XXXX Requesting refund because the seller is defrauding people is the first problem and the second problem is getting through to Paypal. 

Everytime I call Paypal the phone just rings for a minute then hangs up. Something for their online chat. They chat for a minute then it drops. I tried to file online but since the transaction went through paypal on the sellers end it does not show up in my account. I had problems with signing into Paypal. 

They need to know that these people are defrauding others. 

I purchase a course for XXXX XXXX XXXX XXXX from XXXX XXXX of XXXX XXXX  XXXX XXXX. To get the course you had to purchase their materials at {$490.00}. 

They send you a complementary certification to attend with the materials. Now I am being told that I must pay for the 2-day event. Its a very clever scam that they are doing as you will see from the attached documents I am demanding a full refund. I am not paying more then what the purchased price. I also feel misled and feel that the trust has been broken. I have attached everything needed to review. 

XXXX XXXX is not responding to my emails They have an obligation to me since I purchase their product. I am attaching screen shots of the issue with this report
Product: Debt collection

I sent a request on XX/XX/XXXX advising that we were recovering from XXXX. They responded to me advising to pay whenever I am able to. From there I continued to be bombarded with emails and text messages. On XX/XX/XXXX I responded to one of their emails requesting they stop contacting me. They emailed twice on XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX. I sent a Cease and Desist request on XX/XX/XXXX and again received another email on XX/XX/XXXX, where I resent a Cease and Desist request. I received several more emails on XX/XX/XXXX, another email on XX/XX/XXXX, and another email on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitting complaint as I am potentially affected by the Equifax hack.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate complaint.

Subject : Formal Complaint Regarding Inaccurate Reporting of Accounts in Violation of 15 U.S.C. 1681c Dear CFPB Team, I am writing to formally submit a complaint regarding Experian 's inaccurate reporting of two accounts on my credit report. Despite my efforts to resolve these issues, Experian continues to list these accounts as potentially negative, contrary to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c. 

Details of the Inaccuracies The accounts in question are as follows : XXXX XXXXXXXX XXXX XXXX XXXX  ) Account Number Ending : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX  XXXX Account Number Ending : XXXX Background and Current Status These accounts are currently under negotiation with XXXX XXXX, and I have been actively paying into a structured payment program since XX/XX/year>. Both XXXX and XXXX have reviewed and removed the inaccurate entries from my credit report. However, despite my good-faith compliance and regular payments under the renegotiation terms, Experian has not taken similar corrective actions. 

Nature of the Violation Under the FCRA, specifically 15 U.S.C. 1681c ( a ) ( 5 ), credit reporting agencies are obligated to ensure the accuracy and completeness of reported information. Information that is outdated, inaccurate, or unverifiable must be removed or corrected. Given the renegotiation with XXXX XXXX and my active participation in the payment program, Experians reporting of these accounts as potentially negative is incorrect. 

Previous Attempts to Resolve I have reached out to Experian directly to dispute this reporting, providing full details of my renegotiation status and payment history through XXXX XXXX. However, Experian has not taken any steps to update the report accurately, leaving these accounts marked negatively in my credit profile.
Product: Debt collection

CFPB Complaint Against Resurgent Receivables LLC Complaint Title : Failure to Validate Debt & Illegal Credit Reporting Company Name : Resurgent Receivables LLC Issue : Debt collection, Improper use of credit reporting, Failure to Validate Debt Description : I am submitting this complaint against Resurgent Receivables LLC for violating the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX, acting as a collection agent for Resurgent, failed to provide debt validation despite multiple written requests.

Under 15 U.S.C. 1692g, debt collectors must provide full validation before continuing collection activities. 
Resurgent is currently reporting this account on XXXX without validating the debt, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits inaccurate or unverifiable credit reporting. 
XXXX failed to provide the required Forward Flow Agreement, Bill of Sale, and complete chain of ownership documentation. 
Resurgent Receivables LLC has no proof that it legally owns this debt or has the right to collect on it. 
XXXXXXXX XXXX XXXX  XXXX. sold this debt, but XXXX has not provided any evidence proving lawful transfer or assignment. 
XXXX is reporting this as a Factoring Company Account, which is inaccurate and misleading.

Attachments : Debt Validation Request Letter to Resurgent Receivables LLC Previous correspondence with XXXX XXXX Firm requesting XXXX XXXX credit report XXXX XXXX XXXX Illinois debt collection license search ( showing no active license for XXXX XXXX Firm )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given false information about being able to qualify for a credit card. My information was also used without my consent
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 seek appropriate redress for these violations.

Many times a scam transaction was either processed or denied for insufficient funds. I contacted the company by their customer service number to try to fix this issue but now seeing there was never really an agent to help I am disheartened. I was never able to get the money stolen back and was denied help, costing me hundreds. {$88.00} started charging every month since XX/XX/year>. I reached out to XXXX who then told me to reach out to the company which was no help. I was told the company can not ensure my funds are safe against fraud because they are not a real bank. I was unable to use this platform due to the scam and uncertainty about my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is reporting incorrectly by XXXX, XXXX and Equifax. Previously, account reported account status of derogatory with payment status of collection charge of with a balance of {$1200.00}. Recording a date of last payment of XX/XX/XXXX by Equifax while XXXX and XXXX XXXX reported no data for date of last payment. payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by Equifax while XXXX reported eight consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX and again XXXX XXXX is not reporting any data whatsoever. Information reported on payment history and date of the last payment for Equifax makes no sense as dates do not match and for this reason I had previously disputed account asking to delete immediately as account is a mistake itself. Instead investigation results came back still incorrectly account is now reporting account status of being closed with a payment status of charge off With a balance of {$1200.00}. Recording a date of less active of XX/XX/XXXX by XXXX XXXX and Equifax while XXXX is reporting a date of last active as XX/XX/XXXX. Data that was being recorded on date of last payment by Equifax has now been deleted giving nothing to show where on payment history Equifax has deleted all payment history replacing it with consecutive charge off as if it was some sort of payment method. Account is now being reported as closed and no payment should be reported on payment history on a dead account. There is no way that all three bureaus can be right if information is coming from the same furniture data. Account is a total mistake itself.
Product: Debt collection

I recently had debt to settle had no problems with that. I been trying to restore my history so if I owe I was pay. But XXXX capital management had a representative call my phone. When I ask for verification of the debt thats where it got out of hand. I was told they he was a lawyer which is a lie and that he did n't need to send me any info about the debt at all. Which scared me I recently had my bank info stolen. So i was a little unsure about just giving out my info. I wanted some simple paperwork to prove this person is legit. He got highly upset and ask if I had a lawyer because if not I will need one. I think it was a scar tactic. My I repeat he said he was with a law firm and not a collector. And that I wanted simple paperwork to be mail to me that is all. But no he hung up in my face. That after me threaten me to get a lawyer. I had no problems paying. I did a little resource may I add they called from a local number so I was scar at that. I try to google the number no businesses came up at all. I got even more scared. I thought somebody was trying to get into my bank info again. So I called the same number from another phone. It sent me to a operator. She told me it was alliant and they was trying to collect a debt. She ask who I was talk to. I could n't remember his name. She went me or I ask to be sent to a different person. I also google they and found a New York address and phone number. I called and got in touch with somebody. I told me it was alliant and ask for my name and that they was contacted to collect on a debt. I and to do all of that to verify the source was right. When the person who contacted me could have told me this. So I spoke to a rep. He insured that they are a debt collector and not a lawyer office. I told him that another rep said he was a lawyer. I guess he thought I was lying or he was trying to cover for his co-worker. I came to a settlement. I had no problem in doing so. I issue is the first rep misrepresented himself. I guess trying to scar me into paying. He was aggressive and hot tempted. And not willing to listen to he and trying to degrade me over the phone. I want the taped conversation of the first rep so I can pursue legal matters. He did n't have to lie about who he was I was at work and could n't talk I got confused and scared. I just had my bank info hacked. And some random number called and say do you have a lawyer well get one. If you do n't pay you need a lawyer. Like I was supposed to say well here is all my bank info. All I wanted was some simple paperwork. Or somebody that had a nicer and more calm attitude so we could resolve the issue. He stated I do n't need to give you any info at all I am a lawyer. I called the local non-emergency number because I was scared. I thought somebody was trying to steal my info. I did n't know what to do.
Product: Credit card or prepaid card

Contacted the company on several occasions company did not respond back told me I had to send in a letter to the CEO twice regarding the initial letter and then letting them know that I did n't receive a response 2 weeks after the initial letter was sent out XXXX XXXX 2017 and I sent out another letter 2 weeks after then I received a letter stating that they would not do a courtesy removal
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on numerous occasions to dispute the false negative 60 day late payment on my credit report from XXXX. Only to be told it was accurate when it couldn't possibly be. The months before and after the month started to be 60 days late are both on time. Aside from that, I never have had to make a payment and was in school. I have mo idea what happened to cause this. I believe that they misallocated payments or messed up with a deferment/forbearance somewhere and they refuse to take responsibility. And fix it. Please help. My credit is suffering from this. Also the loan on there is from 2005 and has been transferred twice now, I would like it taken off completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer with Navy Federal since 2007 and overall has been a decent bank. I just recently had a credit card reported as 31 days past due on my credit report and this was not accurate. It is fraudulent the payment was 29 days past due on XX/XX/XXXX when I made my payment at XXXX. I selected my payment date of XX/XX/XXXX and went about my business. A couple days later I go online to make schedule another payment on a different account and see that my payment shows 31 days late.

I called the 1800 and they tell me I did not make the cut off. Any other bank that has a cut off time clearly displays the policy on the payments page. I searched high and low for this policy and could not find anything. I eventually find something that contradicts what they told me. A cutoff of XXXX   eastern time. My payment was made before that.

I then called the customer service number with the information I found. I asked the customer service representative ( XXXX  ) if she could show me where to find the XXXX eastern time cutoff notice and she looked for about 15 min even asking 2 supervisors for assistance and could not give me an answer. Instead she berated me about having past due accounts. I have 0 other late payments in my credit history, and I get one from NFCU for an on-time payment. I was shocked to see this as I have been past due for a while, but I am very cautious about paying anything beyond the 30 day mark. I was also shocked at how unwilling they were to help. As soon as I question the policy the agent became very defensive and then came the aggressive tone and I am frustrated about the whole situation. I want this fixed I did make my payment at the 29 day mark and the late mark should be corrected. If they did this to me I cant imagine how many other service members are out there not knowing that this is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent out dispute letters regarding accounts on XXXX XXXX, XXXX to fix the inaccurate information on my credit report. 

1. Late payments were added to one of the closed accounts which the account was closed on XX/XX/XXXX. 

2. The Date of Last Activity on all 3 credit bureaus are reported differently on a closed account. 
XXXX reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX 3. The Date of Last Activity on all 3 credit bureaus are reported differently on a closed account. 
XXXX  reports : XX/XX/XXXX XXXX reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX 4. The Date of Last Activity of the account is reported differently. 
XXXX reports : XX/XX/XXXX XXXX reports : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This complaint is being filed against XXXX, XXXX, and Equifax for their failure to verify and correct inaccurate information related to a late payment reported on my XXXX account ( account number : XXXX ) **. This inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, and I request immediate removal of this information from my credit report.

Violations of Rights : 1. Inability to Verify Information : The credit reporting agencies have failed to verify the accuracy of the late payment reported for XX/XX/year>. Under 15 U.S.C. 1681i, credit bureaus are required to conduct a proper investigation and either verify the accuracy of the information or remove it from the credit report. In this case, despite my requests, they have not provided any proof that the information is correct, violating my rights under the FCRA. 
2. Inconsistent Reporting : Furthermore, I have noticed inconsistencies in how the late payment is being reported : XXXX : Reporting a 30-day late payment for XX/XX/year>. 
XXXX : Reporting a 30-day late payment for XX/XX/year>. 
Equifax : Reporting a 60-day late payment for XX/XX/year>. 
These inconsistencies highlight the lack of accuracy in the reporting of my credit information. Under 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the maximum possible accuracy in credit reports, and the continued reporting of conflicting information clearly violates this requirement. 

Action Requested : I am formally requesting the following actions : 1. Immediate removal of the inaccurate late payment from my credit report with all three credit reporting agencies ( XXXX, XXXX, and Equifax ). 
2. Verification and documentation of how each agency attempted to verify the late payment information. I request proof of any investigation conducted and communications with XXXX. 
3. Correction of any negative impact this false information has had on my credit score and profile. 

Supporting Documentation : I have attached the following documents in support of my complaint : Credit reports from all three agencies ( XXXX, XXXX, and Equifax ) showing the inconsistent late payment reporting. 
Proof of payment for the disputed late payment, made on XX/XX/year>, which proves that the payment was made on time. 
Previous dispute letters and any responses received ( or lack thereof ) from the credit reporting agencies and XXXX. 

Conclusion : The failure of these credit bureaus to verify the accuracy of the information or to remove the false late payment from my report is a clear violation of my rights under the FCRA. I expect immediate action to be taken to correct these errors, including the removal of the false late payment and the restoration of my credit to its proper status.
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 XX/XX/2023, ) 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

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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Debt collection

JH Portfolio Debt Equities for amount of {$2100.00}. I have filed a report for fraud and JH Portfolio Debt Equities is still harassing me by reporting this fraudulent account to XXXX credit report agency
Product: Debt collection

I have filed 2 complaints against this company they was never even reporting this debt to major credit bureaus until I recently filed 2 CFPB complaints this company is trying everything they can to hurt my credit and in retaliation of my recent complaints they report the XXXX XXXX XXXX then it was taken off my credit report and put back on in violation of the F.C.R.A this company is also being reported for investigation by the Missouri Attorney Generals office for retaliation against me i dispute this debt it's taken off my report then Mid America Accounts Control Bureau vindictive conduct against me is pure retaliation and needs to be investigated