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

On or about XXXX XX/XX/XXXX, I received through mail a letter from Resurgent Capital Services on behalf of LVNV Funding LLC dated XXXX XX/XX/XXXX. The letter stated that they were attempted to collect a debt I originally owed XXXX XXXX XXXX XXXX. I sent a debt validation letter back to Resurgent Capital Services on XXXX XX/XX/XXXX. I never received a response but on XXXX XX/XX/XXXX, I received an email alert from XXXX notifying me that LVNV Funding reported the account as a collection. They never responded to my debt validation request and in their letter to me dated XXXX XX/XX/XXXX, they listed how to dispute and also gave me a suspense date of XXXX XX/XX/XXXX. They didn't give me 30 days to dispute per law although I responded immediately but they also ignored their own suspense because the collection was reporting at least 3-4 days prior to their suspense of XXXX XXXX. This company clearly disregards consumer laws as well as their own internal rules. I deny owing Resurgent Capital Services/LVNV Funding LLC and I also reported the original debt that I had with XXXX XXXX XXXX XXXX as gross income on my XXXX tax return per IRS guidance XXXX
Product: Debt collection

I spoke directly to the company management and this debt was cleared and no longer owed. The company management agreed to remove the debt and remove the information from my account and credit report!
Product: Checking or savings account

My account was XXXX  and my funds werent spent out of my account after disputing and emailing of my necessary documents to the company a partial payment of XXXX was released and shortly after my account was frozen Ive been trying to contact the company I've been Adamantly working the phone and e-mail attempting to gain access to my funds at credit karma. It's been XXXX hours now. I have heaps of case numbers, tons of promises from their reps that the escalated dept. will email me within hours, sometimes they promise minutes, l 've been promised my account to be unlocked twice just 'as soon as this call ends Ive never received a email saying my account was being frozen please assist I have a XXXX year old to provide for and im currently with food, gas and necessities because my funds are being held this absurd
Product: Prepaid card

Received a Netspend prepaid payroll debit card I did not request.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

XXXX XXXX XXXX XXXXXXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. 

Confirmation that you have initiated an investigation into these accounts. 
Copies of all documents and evidence related to these accounts, including the application and any supporting documentation. A written statement confirming the removal of these accounts from my credit report upon the completion of your investigation. I understand that this is a serious matter, and I urge you to act promptly to rectify this situation. Failure to cooperate in resolving this matter may result in further legal action to protect my rights and creditworthiness.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 XXXX XXXXays before the payment due date. 


XXXX EXPERIAN 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 XXXX 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! 


Update the late payments from my consumer reports
Product: Credit card

I am experiencing unresolved issues with my Apple Credit Card ( issued by Goldman Sachs ) related to unexplained interest charges, unfulfilled refund promises, and problematic customer service practices. After encountering multiple unexplained interest charges and a {$9.00} surplus in my balance, I contacted Apple Credit Card
Support on XX/XX/year>. Following a long and frustrating process, speaking with multiple agents as some would just leave the " chat '' unexpectedly, I was promised a {$25.00} waiver to address prior unrefunded interest charges and the unexplained surplus, in addition to a refund of the most recent interest charge ( {$0.00} ). While the {$0.00} refund was processed, I never received the promised {$25.00} waiver or the refund for the {$9.00} balance surplus. 

I escalated the matter to a supervisor named XXXX, who opened a ticket ( Ticket ID : XXXX ) and assured me that the issue would be resolved. However, on XX/XX/year>, I received a voicemail asking me to call back. 

The voicemail was not a genuine attempt to contact me ; it was a direct-to-voicemail call using a practice designed to bypass my phone ringing. When I returned the call immediately after receiving the voicemail, I was told the ticket had been closed because they " attempted to contact me. '' Closing my ticket under these circumstances is both misleading and unacceptable. 

Impact of the Issue : - I have not received the promised refunds, including the {$25.00} courtesy waiver and {$9.00} surplus refund. 
- The voicemail bypass tactic wasted my time and denied me a fair opportunity to resolve my issue. 
- The experience has caused significant frustration and eroded my trust in XXXX XXXX XXXX ability to act in good faith. 
Relevant Information : - Ticket ID : XXXX - Contact Information : XXXX XXXX - XXXX XXXX - Attachments : Screenshots of interest charges, voicemail transcript, and ticket records I respectfully request the CFPB to investigate this matter, particularly Goldman Sachs ' not respecting their commitments and dishonest customer service practices. 

Thank you for your attention. 

Sincerely, XXXX XXXX
Product: Student loan

On Saturday, XX/XX/XXXX, I spoke with XXXX XXXX regarding a settlement on my loan. That day we agreed that I would pay {$14000.00} on Tuesday, XX/XX/XXXX. Moments later, the settlement offer was sent to me via XXXX XXXX. I did not sign because the address that was listed on the contract was incorrect. When I asked them to send a new copy, XXXX, promised that I would receive the new copy the morning of the XXXX. 

Today is now the XXXX and the company has refused to send me a new settlement letter. I have called 6 times today, starting from XXXX - XXXX EST. Each time a representative has told me the document would be sent shortly and it is never sent to me. 

The reason for my complaint is that each day that passes, without the payment being made, I will incur more interest/late fee charges. A rep from the company told me that I would pay without receiving the settlement letter. However I refuse to make a payment until I have the document and have signed it. 

All I would like to do is pay my settlement loan and be done with it and for whatever reason they are holding me hostage.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A debt through bay area credit service came up on XXXX XXXX for me, so I called them and paid the debt off in 2 payments. The payments were taken by XXXX XXXX, 1st payment was on XXXX for {$450.00}, the 2nd payment to pay it off was on XX/XX/11 for {$280.00}. They had my address incorrect in their system, so I gave them my correct address when i scheduled the payments. About a week after the account was paid in full I called and spoke with XXXX XXXX and asked him to delete the debt from my report because I never received notice of the debt to begin with and wouldv'e paid it from the beginning to avoid it getting reported if I knewabout it. I was told that it is company policy to not delete debts from credit reports, even if the address was incorrect.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected. Their actions were also unfair and deceptive, they did not meet the resolution requirements for the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As a result ive suffered from financial loss and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved in XX/XX/XXXX and canceled my XXXX  service to the old address, returned the equipment and paid the amount due after we had moved into the new house. I do not have their service at my new residence so have not had business with XXXX since. 

In XX/XX/XXXX I had XXXX XXXX XXXX place a collections account of {$150.00} on my account from XXXX. I received a call from a collections agent and asked for information of what this balance was for and never heard back. I tried to dispute this with Equifax on XXXX of XXXX and again in XXXX of XXXX which it was not removed. I have spent many hours on the phone with representatives from XXXX trying to figure out what these charges were for and why I never heard about them until there was a collections account on my credit report. I have never received a breakdown of what they were charging me {$150.00} for, over 3 years since I had XXXX  service. 

In XX/XX/XXXX I spoke with someone in XXXX collection department over the phone who suggested I go to one of the XXXX retail locations because they can access account information he could not. I went to the XXXX Michigan location and spoke with an associate that said because the account is so old she could not see what the charges were for but assured me it happens all the time. She offered the number to the collections department that I had just spoke to that instructed me they could not get the information. Her other option was to pay the {$150.00} to XXXX at that location and promised that the collections account would be removed from my credit report. At this point I can only assume it was a bogus charge but I paid XXXX just to be done. 

XXXX XXXX placed the account as paid although there was no payment to XXXX. I was assured that XXXX was instructong the collections agency to remove the account. Neither XXXX  or XXXX  could show me where the charge was coming from and what it was for. I agreed to pay XXXX their bogus charge that they could not prove for them to have XXXX XXXX remove the bogus account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person
Product: Mortgage

About XX/XX/XXXX me and my family had a letter in our mail box that was supposed to be signed for the letter stated they where representing Navy Federal Credit Union as well as a letter signed by a county representative and we're notifying us the date our home was being actioned off due to lack of payment since XX/XX/XXXX. I was unaware of any late payments other then one a year or so earlier that XXXX XXXX XXXX payed after NFCU froze our accounts months after they paid a class act lawsuit that the CFPB antiated for doing so then did it to us months after and froze and withdrew, VA compensation, Social Security compensation, DFAS combat special compensation, and reposed one of our vehicles because of one late payment with all my school supplies for a course I was taking payed for by my GI Bill. They have destroyed our credit and finances soon to be homeless created XXXX XXXX  diagnosis in our children worsening my wife 's and mine and causing more Medical diagnosis they have took everything from us without legal reasoning. So I would guess just assets alone they have and are stealing alone {$350000.00} if I had to guess the consumption of my family 's life in all along with this snowballed effect and health issues I can't really put an amount they are destroying our lives!!!! So my best guess what ever this CREDIT UNION ownes legally not stolen from others, I believe they are with Billions we want it as well as fellow Veterans paid as well we are not the only ones the VA home loan office told us this is becoming a trend with them and Navy Federal Credit Union this last 6 months this was told to us in XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan servicer is XXXX XXXX Borrower Services. They have reported that my account is in deferment, which is because all federal loans are due to the pandemic. This has caused my credit score to drop to the point that I can not purchase a home anytime soon. I was told that deferment does not impact your credit score.
Product: Credit reporting or other personal consumer reports

I have repeatedly submitted complaints and disputes about the inaccurate and fraudulent information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX Balance {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INFORMATION I HAVE LISTED BELOW ARE INACCURATE AND UNKNOWN/ IDENTITY THEFT..I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES OR LIVED AT THOSE ADRESS EVEN MY NAME WAS LISTED 3 DIFFERENT WAYS ON THE REPORT THATS LINKED TO UNKNOWN/FRAUD ACCOUNTS XXXX  and XXXX XXXX THESE ARE INACCURATE SPELLING OF MY NAME THESE ADDRESSES ARE EVEN INACCURATE OR UNKNOWN I HAVE LISTED THEM I NEED THESE REMOVED BECAUXE THEY ARE LINKED TO UNKNOWN ACCOUNTS XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX HARD INQUIRIES -NEVER DID BUSINESS NOR RAN CREDIT WITH THESE COMPAINES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CHRYSLERCAPITAL XXXX XXXX RETURNED THE VECHILE AND THEY SOLD THE VECHILE NEVER SENT THE UPDATED PAYMENT AFTER THE VECHILE WAS SOLD THEY NEVER SENT ME THE REMAINING BALANCE AMOUNT AND NOW THEY ARE REPORTING INACCURATE INFORMATION ON MY REPORT FOR YEARS AFTER THE CAR IS SOLD AND THEY WANT ME TOMSTILL PAY THE FULL AMOUNT WHICH IS FRAUD XXXX XXXX XXXX # XXXXNEVER DID BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX XXXX XXXX # XXXX NEVER DONE BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX  AND XXXX WITHHELD MY CREDIT REPORT YET ARE REPORTING TO XXXX XXXX AND OTHER COMPAINES INACCURATE INFORMATION.
Product: Checking or savings account

I lost my debit card and someone used it to make a {$660.00} purchase. I was sent a text message asking if I authorized the purchased, and I immediately responded saying no. I said no several times. The charge still somehow went through and it was approved. I called customer service immediately to deactivate the card, and file a dispute. They denied the dispute, giving me no valid reasoning at all. I even went to the store where the purchase was made, and there was no signature used and no account name was given. I did not make this purchase at all. Capital One is refusing to help me with this transaction.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX Bank before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX Bank to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX Bank business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.