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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$45000.00} XXXX  XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$45000.00} XXXX XXXX XXXX Balance : {$67000.00} STAR XXXX XXXX XXXX Balance : {$32000.00} XXXXC XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I've made mutual agreements for late payments with my creditors for XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX The late payments were removed, but data furnishers went back and reinserted late payments onto my report without notice, after dispute was already closed. the back and forth games are destroying me mentally please help. 

I called original creditor who gave me a hard time and would not honor their word or our agreement, also I called bureaus to see why late payments were being put back on my consumer report, no clear answer was given, XXXX XXXX said they'd give me a pass on my late payment. 

this has caused traumatic amounts of sleepless night and mantel anguish I've complained over and over again Ive sent 10-20 letters for months to get rid of these false late payments I am desperate and begging for help to once and for all get rid of these detrimental marks to my report.
Product: Debt collection

On XX/XX/22, I mailed a letter drafted from my Financial Advisor to CCS Collections. I did not hear back from them. Over a month later, XX/XX/22, I called them back. They stated that they have not received my letter and that they are " behind. '' After explaining the contents of the letter and my intentions to resolve the debt in full, they stated that they would not be able to help me resolve the debt showing on my account under the conditions the letter articulates. I asked them to put their refusal to accept the conditions in writing. They stated that they will not put anything in writing. I re-submitted the letter to their website correspondence. While on the phone with CCS Collections, I asked them to make note that a call back will not work for me, I will need their response in writing. They stated that they " will make note but will not be writing back, [ they ] prefer to call. '' I asked what happens if I can not answer the phone when they do call. They gave me an unclear answer which deduced to them just not making any further attempts to communicate.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I XXXX XXXX XXXX XXXX ; t understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- PERSONAL ACCOUNTS 11. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

13. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review and investigate the fallowing errors, inconsistency inaccurate and omission I was able to find in my credit report According to the FCRA you must have maximum possible accuracy when reporting and sharing my personal credit history As shown below is clear and apparent that this not meet the standard required by the FCRA not your own industries and accepted standard The data of last delinquency is required to be showing on this report please delete this account as it is a violation of the FCRA The Docket Number Field is inconsistent as although this is just XXXX account credit bureau are showing different numbers.XXXX shows the Docket number as XXXX XXXX shows XXXX and Experian shows XXXX As I can not validate the Docket number and there are another discrepancies on this account I can not be sure that I looking at XXXX or multiple accounts The fallowing fields are inconsistently between the 3 Credits Bureau
Product: Credit reporting or other personal consumer reports

I am trying to create an online account with Experian so that I can have access to my credit report online. When ever I try to access my credit report on line through the Experian website it is saying that I need to be verified before I can gain access to my credit report online via the experian website. I need access to my credit report via the Experian website so I have submitted the following documents so as to prove my identity and my address. Kindly see files attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, account XXXX, I.C system inc, has violated my rights. 15 U.S.C section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish an account without my written Instructions
Product: Student loan

Nelnet services the bulk of my federal student loans. This company has been allocating my loans in ways contrary to what is listed in my monthly statements and payment schedule for the entire time I've had the loans. When I contacted them, which I have to do every month because the auto payments just happened to be allocated towards my lowest interest loans to have it adjusted to match what is in my payment schedule, they tell me that they have to put in a special payment request to do so, and often, this payment request is not honored and I have to contact them through their chat service to make an additional request to have it fixed. I repeatedly asked for proof that such request was being made and to understand why the payments weren't being allocated as suggested in the monthly statement or payment schedule, both of which are available in my portal, but they said that such requests were not accessible to me and they couldn't share any internal information. This was and is a huge burden to me to attempt to have my loans allocated towards the higher interest groups, or at the very least in the sums as stated in my original payment schedule or even the monthly statements. I repeatedly asked that my loans did not get " advanced due dates '' and almost always clicked the box to not advance due date ( once I figured out what that did ) when I made additional payments, yet, the loans still get out of sync. The secretive and nontransparent loan allocation process is always in Nelnets favor and to my financial detriment. Furthermore, the auto amount withdrawn monthly seems to be reduced at random times without my consent to push out the time frame I'm paying my loans and thus interest to them. I did not consent to this and again, is a non transparent action Nelnet takes that is in their favor and to my disadvantage. I feel like I have no control and that they are not accountable. I've paid on time always and I'm very attentive, which only means I see the re-allocations and have to spend much more of my time than I would like attempting to have it resolved. The lack of transparency and sneaky re-allocation drives me crazy. I don't see why this company should be allowed to profit when taking advantage of student loans in this way. I have documentation of some of my chats to prove that I repeatedly requested the allocations to be fixed because the portal overwrites whatever they've previously done. Again, no transparency.
Product: Credit reporting or other personal consumer reports

After mailing Transunion a dispute letter asking them to investigate accounts and information that's being reporting inaccurately and unlawfully, they have yet to respond to me with any updates about an investigation nor did they fix any of the errors. I am aware that it is their duty to be compliant with the laws that they agreed to in which they failed to do what's fair and equitable for me as a consumer. The information listed in my dispute letter can not legally be verified inn where there is no signed contracts, agreements, or receipts between me and the creditors reporting the alleged debt. How can they report any account if by law there must be proper verification? How can I owe a debt without a proper agreement or contract set in place? By them reporting these accounts without my consent to share my personal information, there creditors listed in my dispute is in violation of violation my right of privacy. I mailed them a letter asking them to cease all communications with me in which they are legally supposed to stop contacting me which means stop reporting this account through any medium. Violations committed by Transunion and the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Product: Debt collection

Community Bank is calling me 3-7 times every day. 

XX/XX/2024 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is only two days of calls for example.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX, XXXX XXXXXXXX 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: Debt collection

Midland Credit Management repeatedly calls me. Has for more than a year. I have no outstanding debt verified by recent credit report. I have a credit score around XXXX. They constantly change the number they are calling as so blocking them does no good. This company is a nuisance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX  {$240.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$240.00} {$240.00} Payment Info Original loan amount {$240.00} Balance {$240.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX XXXX  {$490.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$490.00} {$490.00} Payment Info Original loan amount {$490.00} Balance {$490.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX {$1600.00} Balance updated XX/XX/XXXX all ftc violations
Product: Credit reporting or other personal consumer reports

My information was exposed in the database. 15 USC 1681.
Product: Credit card

On XXXX XXXX, 2016 a letter ( see Chase Notification ) was sent to Chase which Chase received on XXXX XXXX, 2016 ( see Chase return receipt ). 
On XXXX XXXX, 2016 Chase posted a letter claiming that a benefit was received from those charges ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 ) Chase violated 15 U.S. Code 1666 by I. Exceeding 90 days allowed to resolve billing errors ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 and Chase Notification )
Product: Bank account or service

I would like to be removed from XXXX. Based on my research XXXX is to prevent fraud I am not a fraudster and no company has the right to represent me as a Fraudster because that is slander. My previous financial institution ( WellsFargo ) reported my account due to their banking error. WellsFargo is extremely unorganized and unprofessional with a horrible reputation and very questionable standards of integrity. 


I spoke to several representatives on the phone and they stated that the bank reported my account to the XXXX company because it was over drawn. My account became over drawn because of their bank app & website and text command providing inaccurate available account balance results. This is a common practice for WellsFargo I have spoke with several people who have actually closed their accounts with WellsFargo because of this negligent, inaccurate available account balance result that you get when you use the banks tools that are provided by the bank to get account information. 


The representatives that I have spoke with told me that its not a banking error for displaying inaccurate information it 's something that just happens they do n't know why but it is n't their fault they told me that it was at the fault of the merchants and my fault and in their personal opinion its not a banking error. When I asked them how could I have know this they told it was a opinion of " bankers ''. I told them that reporting my account to XXXX effects me and ca n't be based on someone 's opinion they told me that they ca n't provide anything in writing its just something that everyone should know. Well everyone is n't trained to be a banker for WellsFargo. This is something that I just do n't understand. 


I want WellsFargo to remove the report from XXXX completely I want to removed from XXXX. Because its negligent of WellsFargo to report something like this and I have paid them the amount that was over drawn and I am not a theft or a fraudster it was a misunderstanding and it has a negative impact on my business dealings. They stated that XXXX is n't a credit reporting agency however it impacts me still because financial institutions and employers check XXXX and all financial institutions and employers are n't willing to do the research and inquiry about what happened.
Product: Credit reporting or other personal consumer reports

Requesting documents. 1099 OID form and the original charging instrument these documents will show I'm not involved in a contract with this company or they are not the issuer of funds and this must removed
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 practice, which violate the Consumer Financial Protection Act. Specially, Cash App failed to take timely and effective measures to prevent and address fraud or platform, leaving my account vulnerable and unprotected.
Product: Credit card or prepaid card

Today, XX/XX/23 at approximately XXXX MST, I called Citi bank XXXX negotiate a settlement payoff on my account ( a closed account that was originally through a XXXX XXXX where I obtained car services. One day the dealer told me they no longer offer credit through that creditor and so the account was automatically closed leaving me with a balance due and no available credit opportunities ). The balance due is currently {$650.00} and they refused to negotiate a settlement amount with me. They said the only option was to continue with payments to avoid fees. The call is on a recorded line and should be referenced. My intention was to avoid bankruptcy, maintain/improve my credit, and to be able to pay the debt I owe to the creditor. I mentioned that we have a recent financial hardship and that due to flooding in the home, our tenants moved out and we have been struggling to pay all of our bills since the flood damage and loss of renter income. 
I asked the Citi associate if there was any other options that Citi could offer. I mentioned that I had other Citi accounts and that this one seemed like the one that I could try to pay off first to be able to get some momentum to pay off the other larger accounts. I asked for a final settlement payment of {$400.00} but was met with near silence regarding my proposal. I asked if there was another department that could help me if it was not within her authority to negotiate and she said there was no other department that could help me. 
As a consumer trying to pay off my debt vs. file for bankruptcy or be forced to use a debt consolidation company, who negotiates with creditors on borrowers behalf, I feel as though Citi was not willing to work with me, nor did they offer any viable solutions. The associate simply said that I wouldnt get fees if I paid my bill on time. Thats obvious and almost ridiculous to say as a solution. She also said that if I make my payment on time and even pay a bit more that it wouldnt be that long before I pay off the debt. After paying {$81.00} by XX/XX/23 then may minimum payment is $ XXXX which means it would take me an additional 21 months at a minimum payment to pay the debt. Citi is more comfortable with me paying $ XXXX for nearly two years vs. negotiating with me on a final payout which would allow me to pay off my other Citi accounts better ( bring them current and make consistent payments ). 
This is not very motivating for me to NOT use a debt relief company or file for bankruptcy. How can debt consolidation companies settle on consumers behalf but the consumer can not successfully achieve similar outcomes on their own?
Product: Debt collection

I called Convergent formerly XXXX XXXX due to them.still reporting an active account in dispute even though the dispute has been resolved. I have been trying to get a mortgage in which you can not have active disputes in some cases. I received confirmation from all 3 credit bureaus that the dispute had been resolved on their end. However when my credit pulled the dispute is still.reporting on there. The credit bureaus sent me a copy of my report showing me that it was resolved on their end and that I would need to contact the collections agency directly and request for them to remove that statement from my report since the dispute had been completed. Convergent told me that they were not going to remove that statement until I satisfied my debt with them and they the active dispute would remain on my credit. I let them know that I would be contacting the cfpb about this and he stated that he would have to do more research but he wasn't going to provide me with any more information on the account. They started all calls are recorded so they should have the phone call available for review as well.