23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was on a court virtual zoom call with the county regarding a case for my son. My son received a message via zoom stating it was the XXXX Attorney office asking to communicate with regards to a deal that was reached in the case. This person then called my sons phone and stated that in order for the offer to be reached and the case thrown out, we needed to send {$500.00} immediately via zelle. I stated to the individual that the clerks office typically does not ask for XXXX payments and told him I do not have {$500.00}. The individual that replied stated that before he get off the phone, I must make a deposit atleast half of the amount and that he would call me back to set up the final payment and have the case immediately dropped. This person also told me that I would receive the bond money in the same account within 24 hours if I have {$1000.00} in the account. At that point I realized it was a scam. I reached out to bank immediately and they said they could not do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received and investigation results. 

The inquiry was not authorized XXXX XXXX via XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Creditor : XXXX XXXX XXXX Account # : XXXX Late Payment Date : XXXX XXXX I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

Creditor : XXXX XXXX Account # : XXXX Late Payment Date : XXXX XXXX I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

Creditor : XXXX XXXX Account # : XXXX Late Payment Date : XXXX I was not a total of 60 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Please remove it from my credit report. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX BANK Account Number : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( Bank ) : XX/XX/XXXX XXXX XXXX  ( Finance ) : XX/XX/XXXX XXXX XXXX  ( Finance ) : XX/XX/XXXX XXXX  XXXX ( Bank ) : XXXX XXXX, XXXX XXXX XXXX ( Finance ) : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Bank ) : XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) : XX/XX/XXXX XXXX XXXX  ( Finance XXXX : XX/XX/XXXX XXXX XXXX ( Miscellaneous ) : XX/XX/XXXX XXXX XXXX ( Bank ) : XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) : XXXX XXXX, XXXX I sent certified letters to TransUnion multiple times even called in to verify. TransUnion still hasnt removed the inaccurate information from my report this includes mostly hard inquiries and one collection. 

XXXX XXXX XXXX for {$220.00} must be removed with all unauthorized hard inquiries. 

Instead of removing the inaccurate data. TransUnion made an excise that I was not the individual mailing in certified letters and that they needed to verify me. This is unacceptable update my report.
Product: Credit reporting or other personal consumer reports

These accounts are fraudulent due to identity theft XXXX XXXX opened XX/XX/XXXX balance {$1400.00} XXXX opened XX/XX/XXXX balance {$1000.00} XXXX XXXX XXXX opened XX/XX/XXXX balance {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter/debt validation letter to Cascade Capital Funding , LLC to validate this debt. I asked for documents/contracts bearing my signature, and dates of services. In correspondence, they corresponded with a letter including my medical records, directly violating HIPPA. After the complaint was submitted, the Company, Cascade Capital Funding LLC corresponded by pointing fingers at who released my medical records to them, a third party. When, in this same case, the same letter, from Cascade Capital Funding, had my medical records inside. The letter sent to me did not have documents bearing my signature that I gave the authorization to release my medical records to third-party contractors. This is the first, failure to validate, and it is a direct violation of HIPPA. In conclusion, this HAS to come off of my medical records, immediately. All parties involved has to delete this from my credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially disputed inaccurate information with the credit bureaus and XXXX assuming they reached out to XXXX XXXX XXXX about the information I provided. Theyre violating my FCRA rights by continuing to update inaccurate information. Theyre reporting XXXX repossessions and also have different balances on credit reports. XXXX also have a repossession for the month of XXXX and a payment was made for that month. They also failed to report my last payment in XX/XX/2022 but reported the repossession and repossessed my vehicle within a week after I paid them. Theyve also reported an auto loan on my credit report which is inaccurate. Proof that its a retail loan will be uploaded.
Product: Debt collection

XXXX XXXX XXXX XXXX BACK IN 2008 I TOOK OUT A LINE OF CREDIT FOR I AM GETTING GARNISHMENT FROM TROY CAPITAL FOR A DEBT BACK IN 2008 AND i CAN NOT VERIFY THAT THE DEBT IS MINE
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and my grievance is with the following : XXXX  credit reporting agency, XXXX XXXX is the representative from XXXX moreover they've move my credit file to some department they reference as their Special Services Department, XXXX XXXX  Representative XXXX XXXX has been extremely rude, furthermore he has been exhausting and very difficult to deal with ; I've complained about the unauthorized hard credit inquiries listed on my credit report, XXXX XXXX has refuse to take my dispute for the hard inquires, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX The next issue is Prosper Marketplace LLC, They've have reported a settled account using totally different verbiage than originally agreed to ; they agreed prior to the me paying, that they'd add the following statement to my credit report '' Prosper shall consider the Borrower 's account to be settled, and shall notify the credit reporting agencies that it reports to that Borrower 's has been settled in full. They've reported something completely different '' Legally paid in full for less than the balance and caused my credit score to drop more than XXXX points, this has adversely effected my credit standing, for the next 7 years. They should immediately correct the language, more Prosper Loans also stated that this would not negatively impact my credit report, they've made false promises to get me to pay in advance. the original loan was for {$15000.00} and they collected initially {$500.00} for themselves, I've paid out over {$20000.00} on this loan, do to Covid 19 they offered a settlement directly, moreover more importantly, they said it would not impact my credit reporting, as long as I paid the agreed amount with in a certain time period.
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 customer financial protection Act ( CFPA ). Specifically, cash app failed to take timely an 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 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: Debt collection

I originally contacted XXXX XXXX to settle the debt and they said to go in when on the phone when I did sthey recanted and sent it to a collection agency that never sent me anything, I did have medical insurance that should have been billed and they never did. Now I have a debt of almost {$6000.00} that they expect me to pay. I have disputed this and requested that they send me something in writing of that account through the credit bureua and all I got from the credit bureu was that its valid with no proof the individual at the credit agency said we dont contact them just run it through an electronic system.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX I do not have a contact with NISSAN-INFINITI XXXX  , they did not provide me with the original contract as I requested.
Product: Debt collection

I recently obtained a copy of my credit report and noticed a collection account from Diversified Recovery Service and I have no idea what it is.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. $ 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl.

2. Provide me with all documentation used to verify the accuracy of the disputed Information 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XX/XX/year> Subject : Formal Complaint Against Experian Regarding Unresolved Credit Report Disputes To Whom It May Concern, I am writing to file a formal complaint against Experian regarding the unresolved issues on my credit report. For several months, I have attempted to address these issues by contacting Experian, but to no avail. Despite numerous attempts, I have been unable to speak with a live representative and have only encountered automated systems that do not provide a resolution to my concerns. 

My attempts to communicate with Experian have been met with frustration, as the automated system repeatedly indicates that I can not speak with a live person and instead suggests sending a link, email, or text. This lack of accessibility to a live representative is unacceptable, especially considering the importance of resolving discrepancies on my credit report. 

Due to Experian 's failure to provide adequate customer service and address my concerns, I request that all disputes on my credit report be removed effective immediately. It is unreasonable to expect me to resolve these issues without the ability to speak with a live representative. 

Furthermore, I would like to express my dissatisfaction with the disparity in customer service between Experian and other credit bureaus such as XXXX and XXXX, with whom I have been able to communicate effectively. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that my voice is heard. Additionally, I intend to file another complaint against Experian if this issue is not resolved promptly. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ]
Product: Debt collection

I am an elderly person who was talked into buying a vacation package worth XXXX XXXX dollars with a monthly payment of XXXX XXXX and XXXX XXXX  a month. I am on a fixed income of XXXX XXXX dollars a month. XXXX XXXX  XXXXXXXX XXXX XXXX have not responded to my daughters complaint in which she told them that I am not financially able to pay for the vacation package plus their vacation packages aren't worth buying into because they are just as expensive as any other vacation packages, offers and going direct. It is not money savings and I can not afford to pay and I requested my money back and was told that it was final but I could get financed and I can not afford that either. I do not want to be in collection nor have this on my credit report as negative. I called them a few days after I was talked into buying this vacation package and asked to cancel it and was told that they would send my request to upper management and I still have not heard back from anyone. I am requesting them to cancel the contract.
Product: Mortgage

I previously was under gov't assistance due to covid. Then I was started on a 90-day trial. I continued making payments, until I called to do so this month. The rep. claimed a paper was sent to me and that I never signed it, so, due to this, I am default on my loan.

They refused to take my payment. For all the nonsense I have been through, I sure would have signed a paper if I had received one to sign. I had a problem earlier this year regarding an insurance check. They kept claiming I never " sent the paper back to them '' so they wouldn't release a check to me for repairs. 

Due to an error, I'm supposed to go through the modification process again. Never received a voicemail, or a letter in the mail regarding this issue. 

I'm very irritated to say the least. My mortgage rate is please going to stay @ 1-2 %, I shouldn't be penalized because of their errors. 

Thank you for your help! 

XXXX XXXX XXXX
Product: Debt collection

I am disputing XXXX collection accounts being reported by Southwest Credit Systems LP on my credit report. The details of these accounts are as follows : XXXX. {$270.00} Opened XX/XX/XXXX XXXX. {$440.00} Opened XX/XX/XXXX XXXX. {$670.00} Opened XX/XX/XXXX I have not received proper validation of these debts as required under the Fair Debt Collection Practices Act ( FDCPA ), nor have I been provided sufficient documentation proving that Southwest Credit Systems LP has the legal authority to collect or report these accounts. Under the Fair Credit Reporting Act ( FCRA ), any information reported to credit bureaus must be accurate, verifiable, and complete. 

To resolve this issue, I request the following actions : XXXX. Immediate removal of these accounts from my credit report if Southwest Credit Systems LP can not provide proper validation. 
XXXX. Full documentation verifying the legitimacy of these debts, including original creditor details and proof of ownership by Southwest Credit Systems LP. 
XXXX. A written response confirming the outcome of this dispute and detailing any corrective actions taken. 

This inaccurate reporting is negatively impacting my credit profile, and I expect prompt action to rectify the situation. Please confirm receipt of this dispute and provide an update on the resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act my right has been violated with the following accounts below. 

1. Account : XXXX  XXXX XXXX Account Number : XXXX 2. Account : XXXX XXXX  Account Number : 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 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Mortgage

I tried to pay over the phone and via the website and it won't let me. They said they would only take XXXX XXXX payments. I want to pay and I can't and get charged additional fees they refuse to waive. This seems like a scheme to get people not to pay so they can then charge more late fees.
Product: Debt collection

SCA Collections, this company has XXXX accounts on my credit report and I have no responsibilities to this company. I do not have an account with this company and without any notice, this company placed negative marks on my credit report. I do not know this company and never had any business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Financial. They inquired my credit report on XX/XX/2022. They did this without my authorization. I sent a letter on XX/XX/2022 asking for proof of my consent or have the inquiry removed. They falsely claim that they obtained my consent through a third party called XXXX XXXX. I have never requested credit from neither of them. They also said they are not going to seek removal of the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account XXXX XXXX balance {$810.00} Open- XX/XX/XXXX XXXX Account Number- XXXX balance {$520.00} Open- XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$100.00} Open- XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$8200.00} XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 card or prepaid card

Under the law 15 U.S. Code 1666b.Timing of payments ( 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. I hadn't been able to see any statements until recently which means i wasn't aware that there were late payments that XXXX  XXXX XXXX was reporting. The late payment being reported in my credit reports are therefor inaccurate and should be updated to current as soon as possible.
Product: Credit reporting or other personal consumer reports

Re : XXXX XXXX XXXX XXXX account XXXX listed incorrectly on Credit Reports : XX/XX/XXXX XXXX Report Number XXXX, Consumers XXXX XXXX XXXX account number XXXX, XX/XX/XXXX TransUnion report XXXX, XXXX  XXXX XXXX XXXX account number XXXX, XX/XX/XXXX XXXX Report Number XXXX, XXXX  XXXX XXXX XXXX account number XXXX. My name is XXXX XXXX, XXXX, and I am a 100 % service connected XXXX veteran. I had to declare bankruptcy XXXX ( XXXX ) years ago, which was finalized on XX/XX/XXXX. My bankruptcy was filed on XX/XX/XXXX, but I did NOT discharge my XXXX XXXX XXXX XXXX car loan and I continue to pay the loan as initially agreed with the original XXXX agreement. I have never been late. I contacted the Credit Union by phone and letter several times but this loan still shows up on my Credit Reports as being XXXX in the bankruptcy and a XXXX balance, which it was not. I spoke to the Credit Union and forwarded letters and legal documents explaining I wanted to continue to pay the loan as agreed. For Instance, on the Bankruptcy official form XXXX, I clearly check Retain the property and ( explain ) : and then wrote continue to pay the existing loan. And for Did you claim the property as exempt on Schedule C? I checked YES. XXXX  in bankruptcy with XXXX balance, this is incorrect! For XXXX XXXX XXXX account number XXXX, the XXXX XXXX should read reaffirmed, open, never been late and paid as agreed, or similar language. Because this XXXX  XXXX bankruptcy debt is covered by a valid reaffirmation agreement and was NOT XXXX.