23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

KLS FINANCIAL SERVICES was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was portions of what I requested. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law.
Product: Debt collection

Nationstar Mortgage , LLC is a debt collector. Nationstar Mortgage , LLC did not send any notice to my husband or to me regarding the alleged debt. Neither my husband nor I have ever received any communication from Nationstar Mortgage , LLC under the FDCPA section 809. We are disputing the debt in it 's entirety and require a copy of any judgement, as well as a verification of the debt, which would include the name, address and telephone of the original secured lender. My rights as a consumer have been violated and under the Gramm-Leach-Bliley Act, my privacy rights and information have been breached by Nationstar Mortgage , LLC.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


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

I am contacting you because I am concerned about the accuracy and honesty of your company 's data. As per FCRA section 611, we must have accurate records on file with those who rely upon the most, including costumers and potential lenders or employers. 

I would appreciate if you could take care of any names listed incorrectly in your database. My actual name is XXXX XXXX ' XXXX. If you have anything in your system that is different from what I have just mentioned, then delete them immediately. 

I need you to delete any address in your system that varies from XXXX XXXX XXXX, XXXX, Maryland XXXX. It will ensure the database has accurate information about me.
Product: Student loan

I am currently able to get an income driven repayment plan and have applied several times. My application has been denied because it needed more paperwork and after being sent in, they still have not approved me for the income driven repayment. I was bullied into a forbearance, although i could have easily faxed in my paperwork. This has happened several times and when i called them out on it their answer was well thats just how it works.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware after disputing things with the credit bureaus that the information was / is on my credit reports and should be removed especially when the New Credit Act of XXXX states in section 401 that these should be removed when no contract exists. Please assist! Theres also student loan data and inquiries that need corrected! 

XXXX - {$630.00}, no contract XXXX - {$240.00}, no contract 10 Missed student loan data to be reversed per new law DeptedXXXX 10 Missed Students loan data to be reversed Inquiries To Be REMOVED I didnt Authorized by way of contract XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX - no contract XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX  XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX Accounts : XXXX XXXX XXXX 23 late payments - Account number - XXXX Negative data to be reversed *XXXX XXXX  Negative data to be reversed Account XXXX Student Loans : DEPT OF EDUCATION/XXXX {$40000.00} Negative data to be reversed DEPT OF EDUCATION/XXXX {$60000.00} Balance updated XX/XX/XXXX XXXX late payments - negative data to be reversed Collections : {$630.00} - no contract XXXX XXXX XXXX - no contract {$240.00} Dept Of Ed/XXXX  - student loan data to be reversed 10 Missed Dept Of Ed/XXXX  - student loan data to be reversed 10 Missed Collections XXXX - {$630.00} - no contract Inquiries To Be REMOVED I didnt sign agreement XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX  - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX  XXXX , - no contract Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have made consistent current payments to Santander consumer USA on an original open current account with the vehicle still in my possession. The account has not been sold to any debt collection agency however my credit reports are showing the account is charged off and closed. Although the account became delinquent in XXXX due to XXXX and as a result, a change in income, I have since as previously stated overcome the financial/medical hardship and continue to make on time payments that are not being reflected as positive monthly payments but showing a reduction in principle amount on what appears to be a closed account where its giving the impression that the car may not be in my possession or is appearing to be in a repo status. I would like the current status of my account which is open, as seen and confirmed in Santanders system by several representatives to be reflected, as opposed to the delinquent status being reported to the credit bureaus. I do understand that a company has right to charge off an account due to delinquency so I am not requesting necessarily the removal of the charge off just that the current status of account is shown accurately. I have documentation showing history of payments and a hard copy bill statement stating account is current. I have enlisted the help of XXXX law to assist in this matter however I am in dire need to have this expedited and corrected because my credit score is severely being impacted
Product: Debt collection

On XX/XX/2018 A XXXX contacted me from Diversified Consultants Incorporated. I asked XXXX to hold on a second and allow me to start my recorder. XXXX agreed and then began to reintroduce herself as I had asked of her. I explained to XXXX that I wanted this debt validated and wanted her to send proof of such to the address on file. XXXX continue to try and pressure me to make a payment on an account that I had no proof of me owning. When I proceeded to tell XXXX that I wanted that proof mailed out and nothing more, she said she would just keep calling me back. I do not appreciate being harassed by a company calling me from a private number from whom I have no relations with and who has no permission to call my home. I have not gotten anything in writing alerting me of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

For my Wells Fargo credit card, payments were to be split with my domestic partner at the time. I was mislead to think that payments were being made on their behalf, but they were not.
Product: Credit card or prepaid card

Approximately a year to 18 months ago I made a purchase from XXXX and opened a store charge card through Synchrony Bank to finance it . Unfortunately, the product was defective on delivery. One section was manufactured in the wrong fabric color and there were two specific mechanical defects. The merchant was recalcitrant about addressing the situation so I eventually opened a dispute on the payment balance. Extremely gradually over the past year they have reluctantly and slowly addressed these three defects until, finally, today delivering the replacement section in the correct fabric as purchased. 

Unfortunately, 4 times over the past year Synchrony Bank has inappropriately " resolved the dispute in the merchant 's favor '' without any communication to or with me whatsoever. Each time the defects remained unresolved but each time they closed the dispute without any investigation checks with me. The most recent time was 4 weeks ago and after extensive conversations they *promised* me this would not happen again. Of course it did. Again I received nothing from them though I always receive their e-mails seeking payment so we know they can reach me. This time they marked the account delinquent and assessed a late fee. 

They have refused to acknowledge or address their repeated mishandling of this situation and inappropriate adverse actions against me for their failure to communicate with me about whether the dispute could be closed or to notify me they were doing so. They have agreed to remove the late fee but they are refusing to take any steps to remove the adverse notation of delinquency with the credit bureau and they are refusing to account for how they continued to prematurely close the dispute before the deficiencies were resolved. As this has now happened on 4 separate occasions even after the most recent time when they *promised* it would not happen again I am left with no recourse but to file this complaint against them.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( XXXX ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ) specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, they dispute resolution process was deceptive and unfair as they did not comply with error resolutions requirements under the electronic funds transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Student loan

My original student loan was for {$73000.00}. I received a Borrower Defense to Repayment in the amount of {$50000.00} that was applied to my original loan. Nelnet ( the student loan provider ) told me they disbursed for {$55000.00} onXX/XX/22. I wasn't in school in 2022 and never received any loan from them. I have been to contact them to confirm why I still owe & XXXX when $ XXXX was applied to the original outstanding balance.
Product: Checking or savings account

On XX/XX/23 I went to my local branch M & T to get a medallion stamp. The branchs Manager questioned the form when its a Fiscal Form from the Treasury. This particular Branch has been known for discriminatory behavior, Lying to their customers about only notarizing statements because their not familiar with the customer. The unprofessionalism and discrimination will not be tolerated at this Branch. This particular form the manager stated she has to check with her legal team as she can not sign on behalf of the bank when the Bank is the Trustee! It was explained the nature of the form and she shouldnt be questioning me about it when it clearly states the purpose of the form. The last page just asks for a stamp. The manager had no issue with stamping any of my other forms except this one! As the Trustee of said Bank its her duty to fulfill its obligations and leave her personal discretion out of business. The staff at this location displays unprofessional behavior when customers of color enter the branch! Notarys are only to identify the persons signature as well on the Fiscal Forms! Its contents unless otherwise specified the notary shouldnt read due to privacy. These practices will not be tolerated by its customers who is making money for this institution!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist/remove
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION FAILED TO INVESTIGATE MY DISPUTE
Product: Vehicle loan or lease

USAA, ( henceforth known as financial institution, ) issued clear title to the vehicle. 

They then caused my car to be repossessed by sending XXXX XXXX XXXX, claiming to be an Agent, to collect it. This was the subject of a civil action I filed. The court issued a judgment against the party claiming to be an Agent, declaring the vehicle to be wrongfully obtained. Further compounding the wrongful actions, the Financial Institution has sold the stolen property. This can only have happened as the result of further fraudulent action as clear title was issued to me with no lienholder. 

Theyre now reporting debt still owed despite having never proven the debt when requested by counsel and with no accounting of dollar amounts owed or vehicle appraisal.
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and noticed an account that was not reporting accurately. There are XXXX inaccuracies showing on my report that should report as current due to protection under the CARES ACT. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX, through either XX/XX/XXXX ( 120 days after XX/XX/XXXX, when the law was enacted ), or 120 days from the date the XXXX national emergency is declared over. 

According to Sec. 4021 of the CARES ACT If a furnisher of credit information provides an accommodation to a consumer affected by the XXXX outbreak, and the consumer complies with the terms of the accommodation, the creditor generally must report the account as current. 

An " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. 

A modification and agreement with XXXX XXXX XXXX  XXXX was made on XX/XX/XXXX ( attached in documents ) and the account has been current/good standing since XX/XX/XXXX. 

The CARES ACT states If yourloan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. 

I am requesting you investigate the following accounts and the following payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) be updated to CURRENT/PAID ON TIME.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX, XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm seeing this as a trend with Experian over the past XXXX years in dealing with them on numerous credit reporting inconsistencies and errors. They show some thing that the original creditor claims was not reported as such by them. I get a sense that Experian has significant operational issues that are causing these problems and I would not hesitate in saying it is much larger than just me. 

I received a notification from Experian on XX/XX/XXXX that an account had been marked as a Charged-Off account with a balance ( reported that creditor made this change on XX/XX/XXXX ). When I went to the Experian site, the reporting information of that account with Experian indicated the account was charged-off, with an outstanding balance. The problem is that this account had been disputed previously numerous times because of inaccurate information. This account was included in my XXXX XXXX XXXX  which was XXXX in XX/XX/XXXX after being PAID IN FULL. 

Today, XX/XX/XXXX, I contacted the original creditor and discussed this matter in detail. They indicated their information does not match what Experian shows, and they never reported the account to Experian on XX/XX/XXXX XXXX as charged-off with a balance since it was resolved through my XXXX  case by being paid in full. 

I checked with XXXX and XXXX, also, since the creditor indicated they would have reported it the same way with all XXXX  credit bureaus. Neither XXXX or XXXX show any changes to the account since XX/XX/XXXX when my XXXX  was XXXX, and the information they are maintaining is correct and accurate. 

As I indicated, I've seen this before on numerous accounts with Experian as I have been actively monitoring and disputing accounts since XXXX with them. 

Finally, also I was not able to dispute this account online because I had previously disputed it and their system locks you out from online disputes. But they make it impossible to reach anyone by calling them, to file a dispute.
Product: Mortgage

Equifax was hired to confirm a credit card acct. This was required to close. Equifax had entirely wrong information. I had to assist the. confirming correct information. Which XXXX did confirm. They then had to call my XXXX XXXX. When put on hold Equifax agent hung up. After calling them back the new agent stated he had to start all over again even though this was completed. There was no notes in the file. I asked for a manager and he put me on hold but then hung up. I never tried the bank.