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

Over the past three years there is a XXXX account that keeps popping up on our ( my spouse and mine ) credit report. After providing documentation it is removed to come back on in six to nine months. We are never alerted to the account getting ready to report, which per the FCRA we should receive a notice within five days of the account to be posted to our reports. Once this account is removed from one report, the status changes on the other bureaus ( changes from Joint to Individual or the last reported date changes but the account number stays the same ) and we have watched this happen not only on this account but on several of the others. This account has been sold three times to other " collection companies '' that are actually part of the same company and still reporting the same account - this is per the XXXX Legal Department who has helped me with this issue.

After consulting with the three Credit Bureaus ( over 15 calls placed to them over the last four days ) we were told the following : 1. We could resubmit the information ( this is after I faxed, emailed and regular mailed the information ) and the bureaus would get back with me.

2. Regardless of the laws passed in the FCRA, I am not able to submit to the three bureaus any account that I have that isn't being reported if that company is not a paid member of any of the bureaus - see the Town of XXXX, XXXX docs below 3. I may submit, in writing, a statement to be added to my report but it will be screened and up to the bureaus to add it to my report and will be removed after 30 days ( it will take approximately 90 days to approve it ).

4. If there is a disputed item, the company has 90 days to review the claim and XXXX will handle the claim, not the company.

5. If it is found that I am in the right, then the credit bureaus have 90 days to remove the account in question.

I have received screen shots, emails and documents from some of the companies that have requested that their accounts be removed or updated on our reports and the bureaus have not completed the requests, or the scores are not updated when the items are updated. Our scores fluctuate around 20 to 60 points per month because of all of this. Since the Credit Bureaus have control over everything dealing with our day to day life, dealing with these bureaus has become quite the experience. We have spoken to people from XXXX ( call centers ) to supposed supervisors to specialty departments with very little solution to our issues. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX Lexis Nexis didn't provide an update on the removal of the bankruptcy on my profile
Product: Debt collection

On XX/XX/XXXX I reviewed my consumer report and noticed adverse items being furnished by LVNV FUNDING LLC for alleged debts in the amounts of {$3800.00} & {$1100.00}. As of XX/XX/XXXX, LVNV FUNDING LLC has been notified at the address specified in Exhibit ( XXXX  ) of ; the misleading and inaccurate information, my right to refuse to pay such alleged debts and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies. LVNV FUNDING LLC never notified me prior to furnishing the alleged debts or ANY correspondence/communication in regards to the alleged debts. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) LVNV FUNDING LLC must cease ANY and ALL collection attempts in regards to the alleged debts mentioned within until LVNV FUNDING LLC sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; Congress finds there is abundant evidence of the use of abusive, deceptive and unfair debt collection practices pursuant to 15 U.S.Code 1692. It has been well over 30 days and LVNV FUNDING LLC has strict liability and must comply with all statutes and regulations set forth. LVNV FUNDING LLC has failed to comply and respond to such notice and correspondence. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, LVNV FUNDING LLC shall be held liable due to Non-compliance. ( 15 usc 1692k ( c ) ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) - Proof of Claim
Product: Debt collection

On XX/XX/XXXX I received a call while at work so I let it go to voicemail. A man indicating he was from FIA card services stated he had " 2 documents '' that would be turned over to the court if I did not call him back within 24 hours and it was in my best interest to call him or there could be negative legal implications. His name was XXXX XXXX and direct phone number XXXX I called him approximately 2 hours after the call. He again stated " he had 2 documents '' but would not tell me what these documents were. He stated I opened a credit card XX/XX/XXXX that I did not pay and was charged off XX/XX/XXXX. I tried to explain to him he had the wrong XXXX XXXX and that I did not open a credit card in XXXX because I was out of the country on my honeymoon during this date. The man on the phone became very aggressive and belligerent stating he was going to send the " 2 documents '' to the county court, although he would not tell me which county. 

I again tried to explain he had the wrong person and he would not listen so I told him to go ahead and send the documents to the court. The bullying and threatening behavior of these people are completely unacceptable!
Product: Credit reporting or other personal consumer reports

In XXXX and XX/XX/year>. I've requested from TransUnion to verify a debt on my credit report. Each time, their request came back as verified. 

In XXXX, I requested this information for the 3rd time. And they have still been unable to verify. In this last request, it asks if I would like an explanation on how they came to the results in which I responded with a letter that I would like to know their method of verification. 

Instead of providing me with a method of verification, I received a letter to my address they have stating to verify my address and identity. 

This is clearly a stall static.
Product: Credit reporting or other personal consumer reports

TRANSUNION is allowing XXXX XXXXXXXX  to fraudulently report INACCURATE information on this FRAUDULENT open XXXX XXXX account I have filed a new report to open an investigation with XXXX Police Department on XXXX back date back to XX/XX/2021 I have also filed a FTC complaint due to XXXX XXXX  fraudulently reporting and destroying my credit and identity and TRANSUNION is allowing them to do it. I have a voice recording of a TRANSUNION Dispute fraud Department Supervisor stating that this is XXXX XXXX reporting this information to them and they cant do anything because they are verifying it is ACCURATE when it is FRAUDULENT and being done to DESTROY my IDENTITY and CREDIT from this CREDITOR my IDENTITY has been STOLEN and FRAUDULENT credit reporting dates opening and closing accounts changing information deleting information putting INACCURATE information and TRANSUNION has dud nothing and will not STOP XXXX XXXX..
Product: Student loan

I originally accepted this loan to pay tuition for summer classes in XXXX. I entered repayment in XXXX, XXXX and have been making regular monthly payments since that time ( with the exception of several months of in-school deferment for my MA program ). After making payments for over 17 years, I currently owe {$6400.00} on this loan and have already paid {$15000.00} in interest. I believe that Navient ( now XXXX ) grossly mismanaged my loan and did not properly apply my payments. It is impossible to believe that one could pay a student loan for nearly two decades and still owe more than the original balance. I've called Navient numerous times for an explanation of how my payments are being applied to the loan and how so much interest has been added to the loan despite my payments. Every single agent and manager with whom I've spoken has given me conflicting or misleading information. I am financially struggling due to this predatory loan with terms and oversight that should have never been permitted in the first place. I would like for the CFPB to conduct a full investigation into Navient 's handling of this loan.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXX and I noticed some things are incomplete and not accurate.. I sent a letter to Trans Union on XX/XX/XXXX and I asked them to investigate the accuracy of my report when i received the results I noticed they didn't fix anything. They are breaking Federal Law according to 15usc 1681 ( 5 ) i
Product: Credit card or prepaid card

Synchrony Bank, which is working with PayPal, is stating that I have a line of credit that I did not ever open. I was first made aware of this line of credit when I got a letter from XXXX saying I had a negative action on my credit rating due to a missed payment. 

I successfully disputed the account with the 3 major credit agencies- XXXX, XXXX XXXX and XXXX XXXX However, PayPal/Synchrony still thinks I owe them money. I do not have access to this line of credit to either use or pay a bill, it is not accessible through my PayPal account and I have no idea how to access it. 

This account was also opened in early 2020 which corresponds to the time where my, as well as many other XXXX XXXX XXXX XXXXXXXX, identity was stolen and false unemployment claims were submitted.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Affairs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX, XXXX XXXX XXXX is a non-profit XXXX ( c ) XXXX that has been serving the community for XXXX years and is currently operating as a combined family service, community action program, and behavioral health organization serving up to XXXX individuals across the lifespan. As of XX/XX/XXXX, XXXX launched as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Our mission is to support individuals and families of all cultural backgrounds in their efforts to meet economic, social and emotional challenges and enhance their well-being. 
XXXX XXXX ( XXXX XX/XX/XXXX ) is currently served in our XXXX XXXX XXXX program, in which he was enrolled on XX/XX/XXXX. He had a prior enrollment XX/XX/XXXX XX/XX/XXXX. XXXX XXXX is being treated for XXXX associated with a history of XXXX including being victimized through XXXX XXXX 
On behalf of XXXX XXXX, I am requesting that XXXXrelated information from his credit report be blocked immediately. This includes all entries associated with the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX signature XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX { XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Emergency Room visit.
XX/XX/XXXX - ER bills my insurance company for XX/XX/XXXX ER visit ( {$590.00} ). Claim processed and paid.
XX/XX/XXXX - ER bills my insurance company AGAIN for same XX/XX/XXXX ER visit ( {$590.00} ). Claim processed but NOT paid while insurance investigates duplicate charge.
XX/XX/XXXX - ER sends the second/duplicate claim to collections in spite of obvious billing error.
XX/XX/XXXX - Discovered duplicate claim/bill went to collections during the process refinancing a loan. Contacted XXXX XXXX XXXX  to resolve. Paid account in full because I could not afford to have a open collection account on my credit report while applying for loan.
XX/XX/XXXX - Discovered the New York Attorney General Settlement/Credit Reporting Agencies Agreement ( see below ) III. AFFIRMATIVE OBLIGATIONS AND PROHIBITIONS A. Data Accuracy and Quality 3. Medical Debt Collections c. The CRAs shall implement a process designed to remove or suppress known medical collections furnished by Collection Furnishers from files within the CRAs respective credit reporting databases when such debt is reported either as having been PAID IN FULL by insurance or as being paid by insurance.
XX/XX/XXXX - Faxed proof/supporting documentation from insurance company to XXXX XXXX XXXX  indicating original bill was PAID IN FULL by insurance and the that the second/duplicate claim was due to a a billing error. In spite of this I was told that it still would not be possible to have the account " deleted. ''
Product: Credit card

I asked wellsfargo to cancel a credit card and pay it in full, they did not process a transaction for paying in full, they only withdrew the minimum. I also asked that they send me paper statements because I have had so much difficulty with the website. They assured me all of my accounts had been transferred to paper. I did not receive any statements in the mail and they continued to charge me interest and fees on an account that should have been closed.
Product: Credit reporting or other personal consumer reports

On XX/XX/ Ive reported the address XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX as a fraud Ive never stayed there Experian investigated this after Ive sent a FTC fraud report and a copy of my Drivers License, and has decided to remove this address and any fraud activities associated with it. On XX/XX/ Ive noticed that address has since been reported back on my credit report. Along with a company called XXXX XXXX XXXX Ive uploaded a copy of the FTC report number and a copy of my drivers license
Product: Debt collection

Subject : Formal Consumer Complaint Against Portfolio Recovery Associates To Whom It May Concern : I am writing to formally submit a complaint regarding Portfolio Recovery Associates for multiple violations of my rights under federal consumer protection laws. Specifically, the agency has violated the following : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide the required validation information about the alleged debt, yet they have placed a collection account on my consumer credit report. This is a direct violation of my rights under the law. 

2. 12 CFR 1006.34 ( c ) ( 4 ) : I have not been provided an opportunity to dispute the alleged debt as required. The agencys failure to give me proper notice of my rights has prevented me from disputing the validity of this account. 

3. False, Misleading, or Deceptive Practices : The agency has engaged in false, misleading, and deceptive practices in their attempt to collect this alleged debt. This is a clear violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

4. 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) : The agency has no legal authority to furnish information about this account to any consumer reporting agency without first providing all disclosures required by law. Their failure to comply with these obligations further demonstrates their disregard for federal regulations. 

I demand the immediate removal of this account from all consumer reporting agencies within 14-30 days, as it is unlawfully reported. If this issue is not resolved promptly, I reserve the right to seek statutory damages of {$1000.00} for these violations. 

Additional Actions : If this issue is not resolved to my satisfaction, I will escalate the matter further through the CFPB website and other regulatory channels.Please delete this account from my credit file immediately and provide written confirmation that no further collection attempts will be made. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for inaccurately reporting multiple accounts on my credit report that were discharged in my XXXX XXXX bankruptcy on XX/XX/year>. Despite submitting disputes and providing my bankruptcy discharge paperwork, these accounts continue to be reported as open, delinquent, or in collections. 

The following accounts remain inaccurately reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$2500.00} ) These accounts should reflect a {$0.00} balance and a status of Discharged in Bankruptcy. The continued misreporting is damaging my credit and violating the Fair Credit Reporting Act ( FCRA ) and Bankruptcy Code.

I have previously submitted disputes to Equifax and have not received a satisfactory resolution. I am requesting CFPB intervention to ensure Equifax corrects my credit report immediately and complies with federal law.
Product: Credit reporting or other personal consumer reports

Greetings sir/madam, In this complaint at hand the term, CREDITORS, Shall include XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 6801 says 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 information ''. CREDITORS are financial institutions by definition under that title. 15 USC 1681a, ( 2 ) Exclusions : ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. 15 USC 1681b Permissible purposes of consumer reports, I the consumer never gave written consent nor instructions to any of the CREDITORS to surrender my nonpublic personal information to any credit agency. Also the CREDITORS never received written instructions containing my consent to furnish anything on my credit report which is a violation of the Fair Credit Reporting Act. 15 USC 1681 section 604 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. CREDITORS never received written consent nor verbal consent to furnish any nonpublic personal information to nonaffiliated third parties which XXXX, EQUIFAX, XXXX, XXXXXXXX XXXX XXXX XXXXetc fall under. Any and all consent to CREDITORS rather it verbal, written, or unwritten is hereby revoked until further notice in writing by the consumer. 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. I am stating I haver never received the option nor giving a way to exercise my right to opt out and hereby now doing so. 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

16 CFR 313.7 ; I hereby opt out the CREDITORS reporting to the ANY nonaffiliate third parties at ANY TIME. The above description is a violation of the Privacy Act of XXXX. Thanks for your time.
Product: Credit reporting

I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information in regards to XXXX hard inquiries to XXXX Experian, and XXXX, that was being reported on my credit report. They received the letters on XX/XX/2017 and they completed the request on XX/XX/2017 & XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have tried contact the creditors for the past 3-6 months. I received no response or there 's nothing they can do. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 3 days after the receipt of my certified letter, one can assume that there was no investigated into the matter. I pan to purchase a home later this year, and having this many Hard Inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for Hard Inquiries that does not belong to me. I did not sign anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit card or prepaid card

I have filed complain number XXXX that was closed without a correct resolution and I do not agree with their " investigation ''. I had no chance to refute their false version and they have not responded correctly to most of my questions. 

I requested it to be reassessed however bank of America remained silent. So I am opening a new complaint. 

- Why haven't I be informed of the potential closure of my account? 
- Why no one contacted me after my requests for negotiation and " promise to pay '' - Why have I filled out my financial information, the website said someone would contact me, and never did? 
- Why a supervisor agreed with me saying " someone dropped the ball '' when talking about my acount being without any support after I stated I was having problems to pay? 
- Why they said they gave a monetary support of {$40.00} ( referring to 2 late fees + interest ) when one late fee is {$39.00} so two late fees would be {$78.00} ( plus said interests ... ) - Why my account was not reinstated upon request since it was canceled without informing me it was on the verge of cancellation? 
- Why no payment plan was offered since I requested it on last complaint? 
- Why it is being reported incorrectly to credit bureaus given all the above said? 
- Why after I requested the contacts of the legal department to pursue legal actions the department has not replied to my email with instructions?