23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX was the discharged amount ; this was discharged in XXXX XXXX sold it to Hayt and Hyat which they filed a petition in XXXX XXXX XXXX on XX/XX/XXXX. I was not notified until XX/XX/XXXX and they did not give me accurate enough time to answer. This charge was charged off my credit a while back. They guy who brought the papers to my doorstep portrayed hisself as someone else and then gave the paperwork to my husband. This particular person I have seen before in my neighborhood did not know who he was until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  obtained this account from XXXX XXXX and it was placed on XXXX  credit file. This account with XXXX XXXX was included in my 2018 bankruptcy so they should no longer bill me or place account in collections as of 2018. Can you please assist in removing both accounts from XXXX XXXX XXXX XXXX as it is against the law to place account that were included in my bankruptcy on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion is still showing my score as XXXX when it should be the same as XXXX  at XXXX. XXXX has allegedly corrected their error and removed the entry from all of the credit bureaus, but the correction still has not been made to tansunion.
Product: Debt collection

Disputed the inaccuracies of Bank of America on my credit report  on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back from company. The FCRA gives the company 30 days to respond. I have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 different dates reported under date of last activity, last verified, date reported, date opened, closed date, high balance and this means that possibly all 3 of the credit reporting agencies are reporting inaccurate information. Where is the inaccurate coming from and why is the information not consistent? Delete for inaccuracy.

Delete accounts immediately due to violating my consumer rights under the Federal Credit Reporting Act law 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I have submitted several disputes for the past year regarding inaccurate information on my credit report and the credit bureaus have failed to conduct a proper investigation to correct the inaccurate information on my credit report. The credit bureaus have violated my consumer rights and have not taken my disputes seriously. 

Every account listed in the attached credit report is inaccurate. DELETE IMMEDIATELY DUE TO INACCURACY. I have attached my credit report from XX/XX/22 with all the inaccuracies highlighted. This complaint serves as my dispute. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 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 Balance : {$430.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance XXXX {$11000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$180.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00}, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2800.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Student loan

My loans were transferred to Mohela along with my IDR plan application XX/XX/XXXX. I started receiving bills from Mohela in XX/XX/XXXX. The injunction filed in XX/XX/XXXX put loans like mine in forbearance while dept of ed and courts litigate. 

Mohela claimed in a phone call in XX/XX/XXXX that they " received my loan paperwork but didnt have a chance to process it, disqualifying me from the forbearance ''. I pointed out that my application had been processed because they were able to determine a monthly fee schedule amount. They offered a 6 month deferment claiming they were backed up in processing applications and that mine would be processed. 

I contacted the dept of education and they confirmed that my application was submitted prior to the injunction and therefore should be processed and I should NOT be accruing interest. 

Every subsequent call with Mohela has either been 4 hour wait times, or they hang up when I explain all this. I have filed with them a complaint and subsequent messages documenting my attempts to contact them. I have only received letters saying my bill is due and interest is accruing. 

Recently the dept of education updated qualifying payments and I have over the XXXX needed for the loan forgiveness with screenshots. I have sent these to Mohela and opened a complaint with dept of education XX/XX/XXXX. Still no response and the dept of ed gave a generic response. 

I cant get ahold of anyone and when I do, they hang up. I cant chase these people down and they are ignoring me and the results of this will ruin me financially and my chances of ever paying this off, buying a house, or gaining financial freedom. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a dispute letter to XXXX asking them to investigate and verify/validate an account thats displayed on my credit report. Its has since been about 2 months and XXXX has yet to respond or even notify me of any investigation results or updates.
Product: Bank account or service

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
BK OF AMER XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

DEAR XXXX : CONSUMER # XXXX /CASE # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This letter si to request the removal of a bankruptcy file from my consumer report I ma attaching copies of al records obtained from the reporting agency and the court. These documents reflect the dismissal of the bankruptcy on question. As you wil see the bankruptcy was ni fact filed and later dismissed because Inever follow up with the process. Ihave been asking for this record to be removed from my credit report for quite some time, but al efforts have been unsuccessful. 
I thank you for your time and consideration. If you have any questions, please do not hesitate on calling XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple requests for investigation into inaccurate reporting to an account listed on my Experian credit file. Experian did not investigate my dispute as promised. Instead, they returned my dispute as " verified '' with nothing being investigated. Experian has also prevented me from disputing this factual inaccurate account online! 

My credit report from Experian reflects a chargeoff for XX/XX/2019 for the account listed below, yet there is no other payment history leading up to this alleged chargeoff. 
There are no reported 30, 60, 90 or 120 day lates leading to the chargeoff that they have inserted into my file. 

I requested several investigations, demanding deletion due to inaccuracy. Experian returned investigations as " verified '' and " updated ''. 

How can a reported chargeoff with no payment history be verified as accurate? I redisputed payment status and Experian again, returned as verified with no proof. ( their " verified '' and " updated '' documents are attached with nothing to support their opinion that the account is verified as accurate ) Furnisher : XXXX XXXX Acct # XXXX... .. ( partial acct # ) Experian has repeatedly violated my rights by not properly investigating my disputes. 

They have stamped my disputes for this account as " verified '' without examining my report to determine its accuracy. Experian has stated that their " role is to review accuracy and completeness of any disputed item '', but they have ignored my disputes and instead, violated my rights. They have not reviewed my account for accuracy or completeness. 

I am demanding an immediate proper resolution.
Product: Checking or savings account

My account was closed due to fraud me and USAA have agreed to not do business anymore they told me they are waiting for my account to fully close I went into my account today after getting a document saying my savings account was closed and preceded to close my check account so my funds can be released once I did that I called in to have my funds released and they told me I would have to wait XXXX again for account to fully close even though I already closed it. Not having my funds in my account has led to my vehicle being repossessed and not being able to pay bills on time this has affected me drastically. All I want as of right now at XXXX on XXXX XXXX is my money in my account them waiting 60 days just to invest the funds in my account my funds even though we agreed to not do business is unethical and therefore them having those funds to invest is breaking our agreement and I plan to seek legal action
Product: Debt collection

They sent me a debt -and I responded within the timeframe requesting verification of debt. They did not provide verification and immediately reported this to credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already complained to Synchrony Bank about the decline in my application for a Lowes Credit Card. In their response Synchrony indicated I was declined due to potential fraud and that no hard inquiry was ever pulled even though I told them XXXX  shows a hard  inquiry. So basically they closed out my complaint and didnt solve my issue. If indeed, they never pulled my credit then why is there a hard inquiry?
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX L Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX 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. The listed above accounts have violated my rights and tarnished my credit history, these fraudulent accounts have been added to my credit report. I tried reaching out to the fraudulent accounts and as a result nothing has been done but they keep reporting negatively.
Product: Money transfer, virtual currency, or money service

Im filing against cash app ( Block INC ) due to inadequate customer service. Cash app failed to take timely and effective measurements to prevent fraud on ther platform which lead my account to be vulnerable and unprotected! These lose have inconvenient me in different ways.
Product: Debt collection

The company had send bills and other documents. I  have request information from regarding Financial Aid that should have cover this balance. The company has closed this debt and did not remove it off my credit reports
Product: Credit reporting or other personal consumer reports

I am filing a complaint against [ Name of Credit Bureau, such as EXPERIAN and the associated information furnisher for inaccurately reporting late payments on my XXXX XXXX XXXX account with account number XXXX. 
This incorrect information in my credit report violates several regulations, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Protection Against Non-Payment of Obligations Act ( PAANL ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ).

1. FCRA : The credit bureau and the information furnisher have failed to ensure the accuracy of the data in my report, and the incorrect information continues to appear despite my request for a manual and thorough verification, as required by the FCRA. The lack of manual investigation, as well as possible reliance on the automated XXXX system, constitutes a violation of 15 U.S.C. 1681i and 1681s-2.

2. TILA : I have not received periodic billing statements within the legal timeframe of 21 days before the payment due date, which has resulted in the incorrect reporting of late payments. I request the provision of records demonstrating compliance with TILA requirements, specifically 15 U.S.C. 1637 ( b ) and 12 CFR 1026.5.

3. UDAAP : The inaccurate information regarding my late payments affects my credit score and may mislead potential creditors. I believe this constitutes a deceptive practice under UDAAP regulations overseen by the CFPB.
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 proce 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 30. financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I got the car in XXXX XXXX my first payment on the car wasn't due until XXXX XXXX I paid {$2200.00} on XXXX XXXX for 5 months. I made a payment on XXXX XXXX of $ XXXX also {$25.00} they rejected the payments again on XXXX XXXX, and added on {$75.00} in rejection fees because of stopped payments that I didn't stop. 

I recently made a payment on XXXX XXXX, in the amount of {$920.00} and a rejection payment of {$25.00} also on XXXX XXXX. I seen in my account that PenFed Credit Union had both payments processing in my bank account transaction. On XXXX XXXX I seen that both amounts in my account that was suppose to been taking out for the two payments I made was took out and the amount was reversed back into my account. I call Penfed because I seen on they site I pay the carnote I had two messages stating that it was stopped payments. I talked to my bank and asked why are payments being stooped from my account if I never called to have any payments stopped and my Bank told me it wasn't coming from they end and to contact Penfed and I ''called, PenFed and 'asked '' why my payments was stopped and they said it could of been me or my bank I told them no that was my first time calling my bank too see why my payments keep getting stopped. I even made the payment on the phone with one of Penfed workers and the amount of {$910.00} and a {$25.00} rejction fee.payment was stopped and they added on a {$75.00} rejection fee. So I made a nother payment on XXXX XXXX in the amount of {$910.00} and a payment of {$25.00} on the same day. I'm waiting to see if they gone to accept my payment or reject it and add on extra fees.and say it wasn't on they end. My Next payment is not due until XX/XX/2022 I tried to pay two months so that would made my next payment would of been XXXX XXXX.
Product: Credit card or prepaid card

The company, Synchrony Bank, has a 23 day billing cycle that creates a " dead week ''. The payments made during that week are applied to the previous month 's balance, but not in time to stop a late fee. The payments made during that week also do not create a credit on the account, therefore it does not count towards reducing the next month 's payment either. Today, when asking about this practice ( XXXX at approximately XXXX XXXX EST, ) a young woman by the name of XXXX was condescending and rude. Asking " Since I can not magically change our billing cycle, is there anything else you need? '' It seems to me that this " dead week '' is a business practice set up to rip people off by creating late fees and balances where none would exist if the overage were applied to the next month.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.