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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} 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

There is an account on my credit of the amount {$2000.00} that is duplicated. The original creditor XXXX XXXX XXXX XXXX is listed on there twice for the same debt of the exact same amount, reported from two different debt collection agencies. 
I am prepared to start paying off this debt, but refuse to pay until it is correctly reflected on my credit as one account. I disputed the accounts with XXXX twice and gave information that it is a duplicate and it is very clear just from a quick glance that it is the same debt listed twice. 
XXXX did nothing to remove it and said that it was fairly reported. 
It is listed like this in every credit agency.
Product: Credit reporting or other personal consumer reports

I was offered a payoff amount to settle my debt in full. I was informed that I would receive a credit removal letter. GM Financial failed to pay a warrranty and an insurance amount when my car was totalled. Some procedural mistakes was made and I had to pay the full balance of the car when it was destroyed in an accident a XXXX XXXX XXXX. It was over XXXX. Now they have the nerve to report that I did not pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 2.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 3, The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2020 4.The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 5.The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 5.The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 6.The following account is not mine XXXX XXXX  Account Number : XXXX 7.The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 9.The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 10.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 11.The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020
Product: Debt collection

After receiving numerous calls from Portfolio Recovery regarding account invalid debt, I am hereby providing you notice to cease any further communications regarding this account immediately. The Fair Debt Collection Practices Act specifies that debt collectors are to terminate and cease communication upon receipt of written notice. You call me all day and even during the night to harass me. You call me from several numbers to the point it interferes with my mental health. You leave me threatening voicemails and you make things up. You dont even say your name or introduce yourself. Its to the point where I can not answer regular calls because they block them incoming by calling me from over 30+ numbers. 

This company has inappropriately and repeatedly contacted me : Regarding an unverified debt Regarding a debt that I do not owe Is harassing me by calling me at work and contacting known family members and associates
Product: Debt collection

Two men have repeatedly called my cell phone, XXXX, work, XXXX, my spouse, XXXX, and my mother, XXXX, stating they must serve me with with court papers. The first man would not tell me who the sender was, but was polite. I initially thought it was related to my job, as I am often called to testify and served with subpoenas. Therefore, I confirmed my address and told him I would be home between XXXX and XXXX on XX/XX/XXXX. However, no one arrived. Today, I received numerous calls to my personal cell phone and my business line, which were noted as a " spam risk '' on the display. I repeatedly rejected them, but after 4 attempts I answered. A ruds man yelled at me and announced my social security number and DOB. He stated I should be ashamed that at XXXX years of age he had to " hunt me down ''. He refused to provide any information other than to state he was serving me with legal papers and I hung up. He left threatening messages on my spouse 's voicemail and my cell and business lines, stating he would have the last laugh because he was in charge, not me. In another message he stated he would escort me to work and embarrass me. Yet another message stated he would contact my employer and the last straw was a message on my spouse 's phone stating he will have to serve my " nice looking elderly mother ''. The man left a number to call XXXX and case number XXXX. The number provided is for a business called Central Mediation Services. I do not believe I owe anything to this debt collector.
Product: Credit reporting or other personal consumer reports

I have sent letters to all three credit reporting companies informing them of accounts, address and numbers that's reporting on my credit report wasn't open by me and received letters back as the account verified, my letters was sent XXXX XXXX, and XX/XX/year> to transunion, XXXX, and XXXX. this matter is also stopping me from being able to move and XXXX a job with a new company due to bad credit.
Product: Credit card

I have a macys card which was switched over to XXXX and the XXXX folks confirmed that I did n't receive a statement or notification that a balance was due. While they are reversing the late charges and updating the credit agencies, my credit limits were reduced ( on a citibank card which I learned from trying to balance transfer funds ) which will cause me to incur finance charges that I would otherwise not have to incur. While I am not asking for anything I think it would be beneficial for XXXX and Macy 's to communicate to cardholders when there are charges due on an account. I specifically asked if an email notification or other notification was sent via billpay and they said " No, we apologize and will reverse the late fees and update the XXXX '' While this is a basically 'acceptable ' response it caused me to spend time and effort on something that should not happen. Ideally I want XXXX XXXX dollars so I can retire and educate people on this but I know that 's not realistic!
Product: Credit reporting or other personal consumer reports

I opened an installment agreement with Great American Finance with the understanding this was a 36 month contract with no prepayment penalty. I paid it off in XXXX but they report that the account was late despite paying multiple months at a time. I submitted receipts and bank statements. 

They are violating Texas XXXX, and Im not sure what they feel they are accomplishing reporting false information. 

XXXX and XXXX claimed they investigated the issue but obviously didnt even look at the receipts or contract
Product: Credit reporting or other personal consumer reports

In violation of federal law, the unverified accounts listed below still report to my credit report after numerous written requests. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these accounts, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 


* XXXX XXXX * XXXX XXXX  XXXX
Product: Debt collection

I had a XXXX XXXX XXXX XXXX XXXX account that was charged off. I spoke with XXXX XXXX in XXXX of XXXX and agreed to a settlement of {$770.00} to be paid by XXXX XXXX, XXXX. I was told a letter confirming this settlement agreement would be sent out within 10 business days and I went ahead and paid {$150.00} towards this agreement on or around XXXX XXXX, XXXX. On or around XXXX XXXX, XXXX I contacted XXXX XXXX again to inquire as to where the letter confirming our agreement was and that I was hesitant to make payment to them without confirmation of the agreement. I did not receive a letter. 

On XXXX XXXX, XXXX I contact XXXX XXXX  again and told them I was upset that I did not receive the initial letter and that they had made it frustrating to repay my debt. They offered to settle the account for {$650.00} to be paid by XXXX XXXX, XXXX, an amount that is higher than what I originally had remaining to be paid. I request XXXX XXXX  send me a letter confirming this agreement and again raised concerns about not receiving it the previous time. 

I never received the letter and on XXXX XXXX, XXXX I received a letter dated XXXX/XXXX/XXXX from a XXXX XXXX  indicating they had been hired by XXXX XXXX to collect an outstanding balance of {$870.00}. This initial demand letter I believe violates several portions of the FDCPA as does XXXX XXXX 's misleading actions.
Product: Student loan

I am guaranteed tuition by the v.a but was instructed to take out loans because the va pays after the drop date. I now am stuck with over 100k in loans despite both schools knowing that my tuition was guaranteed and still being instructed by admin to take out loans so I would not be dropped from the roster. now I am unable to get the servicers to put me on an income based repayment plan ; they keep putting me in forbearance despite my repeated request for an income based plan. I am XXXX XXXX XXXX on veterans XXXX. I am a XXXX XXXX XXXX XXXX and unable to understand how this predatory practice was able to go unnoticed by either institution. I am not able to move my family forward due to the overwhelming total that is my student loan.
Product: Student loan

I graduated from XXXX XXXX in XXXX and since then I have worked continuously as an XXXX for the XXXX XXXX XXXX. In XX/XX/XXXX I consolidated of my Federal Student Loans ( about {$130000.00} ) through Direct Loans under the Income Contingent Repayment ( ICR ) program so that I would qualify for the Public Service Loan Forgiveness Program after 10 years of repayment. For the past 6 years I have made all of my payments faithfully. It is my understanding that the Direct Loans program was ceased and all federal student loan servicing was passed to XXXX XXXX, which was then passed to XXXX. During each transition I have continued to pay faithfully. During a routine customer service call recently with XXXX I was informed that my loans were not on the ICR program and that I would not qualify for the Public Service Loan Forgiveness program. I was told that when Direct Loans was ended and the servicing was transferred to XXXX XXXX and then to XXXX, that my loans automatically reverted to a standard repayment program. Which makes no sense at all because XXXX XXXX and XXXX ca n't possibly change the terms of my repayment program unilaterally without any sort of notice to me. You can see in the document I attached from XXXX there are highlighted references to me being an ICR borrower. In order to start to untie this mess I asked for XXXX to produce a copy of the terms of my loan and the Promissory Note from the consolidation in XX/XX/XXXX. ( Which is the promissory note that underpins my obligations. ) Numerous times XXXX customer service reps have claimed that XXXX does not have a copy of the Promissory note or the terms of the loan given in XX/XX/XXXX and that I would need to secure it from the Department of Education. As the servicer of this debt though, XXXX is required to be able to produce proof of the debt they intend to collect, right? Meanwhile the DoE is claiming that they do n't have any copies of the Promissory note  or the terms of the loan from XX/XX/XXXX and that I would need to contact XXXX. So each party is pointing the finger at the other and no one seems to actually know the terms of my debt and repayment. After contacting the XXXX office for client advocacy and trying to make headway with my case there, my loan servicer was suddenly changed again to Fedloan servicing. Then suddenly I received notice that the terms of my repayment had been altered and I was provided with a standard repayment schedule at ~6 % interest. But the notice to me had not indication concerning WHAT had actually changed and what the terms were before the change. In addition Fedloan servicing also seems to have no idea about the fact that I was under an ICR program dating back to XX/XX/XXXX. I really need some help here. Qualifying for this program could means tens of thousands of dollars if not more than one hundred thousand dollars. Please help me to untangle this mess so I can complete my payments and put this debt behind me. Thanks very much in advance for your help.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau TransUnion is not complying with their own policies in a timely manner. I submitted a dispute via mail 30 days ago on XX/XX/2021 to remove negative and inaccurate items on my credit report and i still have not received a response.
Product: Money transfer, virtual currency, or money service

To attach bank account to XXXX, the bank is not allowing me to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Report has two jobs on my report I did n't work at. My father work those jobs. I am too young to work them. There is a XXXX in my name and not in his. We are named the same beside that.The jobs are ... .XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have made numerous requests to have the false information corrected, to no avail. 

Experian Inquiries : 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 Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX I tried to log into my Venmo account to access money that was sent to me and I am not able to log in. I have had this issue several times in the past. It is a system problem that Venmo has and is not working to correct it. Last time it took XXXX days for them to resolve this. I need groceries and I am not able to get the money. You try to call to talk to someone and they keep you on hold for over XXXX minutes. I dont know what else to do. They need someone to make them fix this because they are unwilling to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Milestone credit card/ MasterCard/ GenesisFS Card Services Inc XXXX Bank of XXXX XXXX XXXX XXXX, XXXX, OR XXXX is reporting wrong information to credit bureaus. They have reported that I havent paid in over 30 days in XX/XX/2022. Therefore they have dropped my credit score tremendously for this incorrect info they hav reported. Not only that, but they are reporting information a month and a half later. This was for XXXX reporting and it is about to be XX/XX/2022. This information is incorrect. I made a payment on XXXX XXXX, so how can I be over 30 days passed due? Somebody needs to look into this company. I also have pictures of statements from them. Showing my information... ..My score has dropped XXXX points on XX/XX/XXXX, XXXX of this. When my score was just increased by XXXX points on XX/XX/2022 2022
Product: Debt collection

i did send XXXX notices to this corporation trying to provide remedy and did ask how i am to pay since XXXX XXXX  notes are not considered payment and are only debt notes ; this corporation has added negative statements to the credit report ; this corporation can not provide the original promissory note nor did this corporation fully disclose what the use of the promissory note was and did sell the original and did not include the beneficiary of the Estate in doing so ; attached you will find correspondences i did send to the company
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased an XXXX and was financed with XXXX XXXX XXXX in XX/XX/XXXX in which my first payment was not due until XX/XX/XXXX. Unfortunately, after I purchased the vehicle, the government was shut down and I was on furlough and just last month received my retro pay. Due to this I requested a balloon payment or some sort of assistance in making my first payment as I had no money or means to make it and desperately did not want to miss the payment or have it negatively affect my credit report. 

I was told in early XXXX that they had placed the request and I would be receiving the forms to review, confirm, and sign and since it was shutdown, they would only put one, instead of the two, payments to the rear. After 10 business days, I noticed I had not received the forms and called to inquire, in which time I was advised that they were not sent, as the representative did not send them because although she said the manger had approved it, they did not sign it. They then stated they had put in another request and I would be receiving the forms again in the mail. I waited again and now the due date, which is XX/XX/XXXX was her and I was getting anxious and nervous as I was still without funding and no work. When I called back I was told that I was misinformed the entire time and they had no relief for the shutdown victims unfortunately and that I need to make a payment asap to avoid a negative remark on my credit and have a late fee. Of course, I was very upset and had to scramble to make the full {$740.00} payment and now am at a total financial hardship as to where I could not even make the payment in full on time last months and trying to recover from everything has been challenge and not to mention a total financial hardship. 

I placed a request in two week ago for some assistance again and advised the payment would be late but was there anything they could do because of the circumstances and requested to have a courtesy credit mark removeable, as they reported late, and my credit has gone down an entire 30 points, which is very hurtful to me and my credit. Although the request was placed, again when I call them I get the run around and no word yet if it was or was not approved. 

With all being considered and reviewed, I am desperately requesting that they do a one-time courtesy removal of the negative mark on my credit report ASAP. I want a confirmation of the approval for it too, so I can have to send to the credit bureaus to ensure they remove it in a timely fashion.
Product: Credit reporting or other personal consumer reports

This account was open sometime last year ( 2023 ) around XXXX or XXXX using my identity without my authorization. I only found out about it because I received a bill statement in the mail around XXXX or XXXX. I have been disputing this account from day one with the credit card issuer and the company that sells the purchased item ( XXXX ). The credit card company ( XXXX XXXX ) claims that the account is legitimate and I told them that's impossible because I never requested it. They claimed to have a purchase receipt and delivery ticket. Upon requesting those documents, I discovered that the account was opened online and the alleged delivery ticket was by pure coincidence not signed by anyone or at least not me. The unknown subjects purchased some type of gym equipment that supposably was delivered to my old home address and left outside. When or who would deliver something of so much value outside a house without having someone taking possession of it? Everything was impossible because there are always someone at home since I'm a XXXX veteran who's always home with my wife and in laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open Date XX/XX/2018 Balace {$290.00} XXXX Let a person open a account in my name and sent the credit card to a 8 year old PO Box that shoudive gave them a red flag u don't send a credit card to a PO Box u send a card to a fiscal address, this is wrong that XXXX XXXX system is outdated what is XXXX XXXX I just don't understand I am very upset, I have reported this to all 3 credit agences and the XXXX  and the cfpb.