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

Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX, SD XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reportinng XXXX XXXX and XXXX XXXX XXXX. I need them to validate and verify these accounts. they are fraud. I need to see contracts with my wet signature by law.
Product: Student loan

I have recently began repaying my loan of XXXX ... my interest rate is 6.8+.. every day, i am charged XXXX dollars in interst which exceeds my minimum payment. Every dollar i pay a month, sometimes twice, is paid to interest alone.
Product: Credit reporting or other personal consumer reports

20 complaints marked as duplicate and 20 complaints put right back this predatory company stole NOW almost 20 months of on time never late payments to XXXX and refuse to give them back AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. The following account is not mine XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these items, thereby removing them from my credit report. It is my understanding that you will verify these items with the relevant creditor. Any information that the creditor is unable to verify should be promptly eliminated. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this reinvestigation within 30 days of receiving this letter. 

Kindly provide an updated copy of my credit report to the aforementioned address. According to the legislation, there should be no charge for this updated report. Additionally, I request that you notify any party who has received a copy of my credit report within the past XXXX  months about the corrections made. 

Thank you for your attention and assistance in resolving this matter. 

Yours sincerely, XXXX XXXX
Product: Debt collection

Back in XXXX there was mold all over the walls of my apartment at the XXXX apartment complex. i contacted maintenance on multiple occasions and left messages for the office but no response about the black mold. i emailed them on XX/XX/XXXX about me vacating the premises because i have XXXX and other underlying health conditions and it was affecting my health they came out and just tried to paint over it and they thought i would stay. they told me over the phone that i would not have to pay the debt and they even wrote a letter of recommendation to my current apartment complex where i live now so that i could move in with no problems. now XXXX i have a collection account on all three credit reports for {$2400.00} through Rent Debt automated collections. now XXXX will not answer or return my calls about the debts.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit card or prepaid card

I have been calling ( XXXX ) XXXX to receive my XXXX XXXX Card for Unemployment benefits ( Missouri MO Access Card ) being deposited. I get hung up on after waiting at least 1 hour EVERY TIME. Its is IMPOSSIBLE to get thru. PLEASE HELP ME. I DESPERATLY NEED MY FUNDS. The website mo-access.com does not have a way to put in your SSN.Only thru putting in the card number which is impossible if you don't have the card. Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am natural persone, i am a living human being, i have rights under 15usc 1681. 

XXXX is govern by 15 usc 1681. and they violated my rights numerouse of time. 
i demand the accounts listied below be remove because according to 15 usc 1681 ; I have the right to privacy and i did not gave XXXX written permission to furnish these accounts. 


XXXX .... XXXX name ... .. XXXX XXXX XXXX XXXX ... ... XXXX name ... ..XXXX XXXX XXXX  XXXX XXXX ... . thank you
Product: Credit reporting

An erroneous credit inquiry was associated with my credit report. Because the algorithm that calculates FICO scores relies on the number of inquiries made in the prior 2 years, the erroneous inquiry negatively impacted my FICO score. The inquiry hit my credit report within 3 days of the incident. After faxing the request to remove the erroneous inquiry to Equifax as instructed, I am told it takes 60-90 days for the inquiry to be removed. According to XXXX, whom I worked with on this issue, " That is standard industry practice and there is no alternative. '' In the next 60 days I have to move. The erroneous hit on my credit report and resulting decline in my credit score will cost me money, as the score is used to determine the deposit required on a new apartment. Given the power of the FICO score, it is totally unreasonable for Equifax to take 60-90 days to remove an error when it takes less than a week from an incident for the error to appear. By comparison, it takes only 41 days for Equifax to report its corporate earnings for the entire year to shareholders -- a far more complex task than removing an error from a single individual 's credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report due to a recent identity theft incident. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I have the right to request the blocking of any information resulting from identity theft. 
The following accounts were opened or tampered with fraudulently : Fraudulent Accounts : XXXX XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1900.00} XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$97.00} XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

The app cash app I was unable to talk to a live agent about my money being taken or used I was not able to speak to a live agent
Product: Vehicle loan or lease

On XX/XX/20 I spoke with a person in financing by the name of XXXX regarding my loan concerning the reason why I do not receive statements online or by paper. I was told that this company only service customers online. I also asked XXXX in the finance department, why my finance charge, interest, and breakdown on my loan is not showing online and I only see the payments made but nothing else. XXXX told me they do not give statements. So I explain to her I need a monthly account breakdown each month showing interest and other charges I am being charged each month in order for me to pay my car note each month and a balance break down in black and white on their website or paper statement, but this is important if they are servicing my loan. They must bill me fairly and show what they are billing me in black and white. Or they will give me no choice but to also contact the State Attorney Office also for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX is breaking the law by furnishing inaccurate account. The date opened is wrong. and Date Last Active is wrong. Your company have reinserted same debt from original creditor XXXX. It was deleted by XXXX due to violations and now you have let this agency commit the same action. They have only shown a bill not a contract with a bearing signature. I have attached both credit reports so delete this error.
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 violates the consumer financial protection act ( CFPA ). Specifically, Cash app failed to take timely in effectively measures to prevent Fraud on their platforms Leaving my account vulnerable and unprotected furthermore, Their dispute resolution process was unfair And deceptive they did not comply with errorResolution requirements under the electric fund transfer act ( EFTA ) in regulation, E. these actions has caused significant inconvenience And financial loss and I seek appropriate redress For these violations.
Product: Vehicle loan or lease

Demand Letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Mercedes-Benz Financial Services RE : Demand for Resolution of Unauthorized Securities Trading, Denied Credit, and Unfulfilled Purchase Dear Mercedes-Benz Financial Services , This letter serves as a formal demand for immediate resolution of several concerning issues related to my account and recent experiences with your company.

Unauthorized Securities Trading : I am writing to express my grave concern regarding the possibility of your company trading securities on my behalf without my knowledge or consent. As
a longtime customer with multiple financial agreements through Mercedes-Benz Financial , I have never received any form of compensation for such activities, which I believe is legally required. 
Denied Credit and Unfulfilled Purchase : Furthermore, I am deeply disappointed by the recent denial of credit for a vehicle purchase. Despite being a loyal customer for years, I was denied the opportunity to acquire a car, specifically a XXXX XXXX XXXX which I have expressed significant interest in. This denial, coupled with the alleged statement from a sales representative claiming Mercedes " never wants to do business with me again, '' is not only unprofessional but also raises questions about potential discriminatory practices.

Demand for Immediate Action : I demand immediate action to address these issues : * Full disclosure and compensation for any unauthorized securities trading conducted on my behalf. 
* A thorough investigation into the reason for the credit denial and a reevaluation of my application for the XXXX XXXX XXXX 
* Delivery of the XXXX XXXX XXXX assuming the credit reevaluation is successful. 
* Return of any down payments made for previous denied purchases. 
Threatened Legal Action : Due to the severity of these concerns, I am prepared to rescind all signatures on any financial agreements with Mercedes-Benz Financial and pursue legal action in federal court if these issues are not resolved to my satisfaction within a reasonable timeframe.

I expect a prompt and comprehensive response outlining a clear plan to address my demands. I am available to discuss this matter further at your earliest convenience. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2020, I applied online to Comenity Bank for a {$15000.00} 1-year CD advertised then at an APY of 2.10 %. Days later, I received in the US mail a letter from Comenity dated XX/XX/2020 asking for photocopies of my driver 's license, Social Security card, and a bank statement. I mailed copies of each to Comenity the next day. My correct name, address, DOB, and SSN shown were all consistent and were consistent with what I put on the application. On XX/XX/2020, Comenity emailed me denying my application. I called Comenity customer care ( XXXX ) and asked why. XXXX confirmed that Comenity received what I mailed but refused to supply a reason for the denial. That day, Comenity 's advertised APY for the 1-year CD was 1.60 %. My credit score is excellent. I have never defaulted, filed for bankruptcy, or been denied CDs or credit.
Product: Consumer Loan

On XX/XX/XXXX me and my wife signed a auto loan with Prestige Financial based in XXXX XXXX XXXX XXXX for a vehicle bought from XXXX in XXXX, XXXX. This vehicle was bought with GAP coverage sold to us ( through XXXX XXXX ) that was sold to us and explained that would pay out the difference still lowed if the vehicle was deemed a total loss by insurance and we still owed on the loan. 
On XX/XX/XXXX, the vehicle financed by Prestige Financial was stolen. It was reported to the XXXX Police Department and two days later it was found, the XXXX, XXXX police arrested and charged a man driving our vehicle with vehicle theft under XXXX law. Our insurance provider XXXX deemed this as a loss from auto theft. After much delay through the GAP provider, they denied our claim stating we invited the act of theft in which we did not. 
There is still a balance owed Prestige Finance but due to job loss we are unable to pay anything to Prestige and we currently are still fighting the GAP provider for not paying out the policy for what XXXX Police Department and XXXX deemed as a auto theft. 
Our complaint is that for about a month, many individuals at Prestige are harassing me and my wife on a daily basis through phone calls, messages, texts and being demeaning and rude and not acknowledging that we are unable to make any payments and that we are still actively seeking XXXX XXXX XXXX to pay out as the policy was sold to us. 
Prestige does not need to contact us daily and it is harassing to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, but unfortunately, I didn't get the response I was expecting to get so I'm asking the help of the CFPB for this to be resolved. I am also attaching my ID so this time please continue your investigation for this matter of great importance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX #XXXX XXXX XXXX XXXX XXXX,XXXX   XXXX XXXX, VA XXXX (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX   
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
XXXX XXXX XXXX   #XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX, VA XXXX   (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX  
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX 
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
These items were put on  my credit report an they are not mine.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX XXXX.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate and incomplete reporting on my credit file with TransUnion. There are issues related to medical collections, missing or inconsistent data, and failure to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards.

Specific Items in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX Reported with missing, incomplete, or inconsistent data.

Missing telephone number, activity date, and past due amount.

Inconsistent reporting of derogatory account status, account balance, and payment history.

Issues Identified : Inconsistent Reporting : Data is inconsistently reported across multiple credit bureaus, violating Metro 2 compliance standards.

Unverified Data : Failure to provide substantiated proof of the debt, including an itemized statement for the medical services, violating FCRA and FDCPA requirements.

Missing Data : Key information such as the telephone number, activity date, and past due amount is missing, which impacts the credibility of the reported data. 

Requested Resolution : 1. Immediate removal or correction of the disputed items related to XXXX XXXX XXXX 
2. Provide documentation verifying the accuracy and compliance of the reported data, including evidence of the itemized statement for the medical collection.

3. Provide a full description of the investigation process and the procedure used to forward information to the creditor, as required by FCRA 611 ( a ) ( 7 ).

Impact : These inaccuracies have led to negative impacts on my credit score, resulting in credit denials and higher interest rates.

I request a response within 15 days. If the disputed items are not corrected or the requested information is not provided, I will pursue further action.
Product: Payday loan, title loan, or personal loan

After advising XXXX, of my financial situation when my son went into XXXX XXXX  and asked if I could extend the life of my loan until I went back to work and they advised that I could. Two weeks later they took over {$300.00} out of my account and the following week another payment over {$300.00}. I called and explained the issue and was told it wasn't noted and it wasn't anything they could do. Fast forward a few weeks from that conversation in 2019, they placed me in collection with the incorrect amount.