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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXXear old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the address you have on file for me. The address you have listedXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, is incorrect. My correct address is [ Your Correct Address ]. I am writing to request that you update your records to reflect my correct address. 

I have confirmed my correct address with my local post office and on my official documents. I have also included proof of my correct address with this letter. I request that you update your records as soon as possible to ensure that all future correspondence is sent to my correct address. 

Please confirm in writing when my address has been updated in your records. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

Contacted by voicemail only ( dialed directly into the voicemail on my cell phone to leave message ) two times with messages threatening legal action if I did not call their client. These messages were from " XXXX with XXXX XXXX XXXX '' and directed me to contact her " client '' at XXXX " regarding case # XXXX. When I called the number a very gruff man answered and identified the business as XXXX and XXXX. After I gave him the case number he transferred me to the " litigation department ''. A woman answered and said this is concerning " a Walmart credit card that you didn't pay ''. She said with fees the balance is " about {$2500.00} '' but that I could settle with a {$1000.00} payment now. Otherwise I will be sued and they will garnish my paycheck. She then threatened to contact my employer and have 25 % of my pay garnished. This is for a debt that was charged off by the original creditor in XXXX, 2013, no payment arrangement has ever been made on this account and it is well beyond the statutory four year Statute of Limitations. When I refused to pay and hung up, the company called my ex-wife on her cell phone and similarly threatened her, they then called my current wife on her cell phone and similarly threatened her. this behavior is harassing and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

FILED FTC REPORT WITH COMPANIES AND THE CREDIT REPORTING AGENCIES THEY CLOSED THE ACCOUNTS BUT DID NOT REMOVE FROM CREDIT REPORTS THE ACCOUNTS ARE / US BKPT CT IL XXXX REFERENCE # XXXX US BKPT CT IL XXXX REFERENCE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have contacted Barclays Aviator Business numerous times and to date I keep being told that the miles will reflect on next billing statement. I am now approaching my fourth billing statement and no rewards yet. I email customer service via the website ( account portal ) and its a complete waist of time they are not helpful or resourceful. I call customer service and they only tell me " next statement '' and giving me the run around. I have met all the requirements needed to earn the XXXX bonus XXXX miles and in addition opened an employee account for an additional XXXX miles and also met the requirements. Barclays Aviator Business owes me XXXX miles. I just can't understand why they take so long to post or process these miles per the terms and conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts blow has violated my federally protected consumer rights to privacy confidentiality under 15 USC1681. 
XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXXXXXX - XXXX, XXXX XXXXXXXX XXXX - XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXXXXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX US Dept Of ED XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX - XXXX, - XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX 15 U.S.C. 1681 Section 604 A Section. States i have the right to privacy.

15 U.S.C. 1681 Section 604 A 2 : It also states a consumer reporting agency can not furnish a account with0ut my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any following items of information Any other adverse items of information other than records of convictions of crime which antedates the the report by more than seven years.

15U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to that the information is inaccurate.
Product: Mortgage

On XX/XX/year> I sent XXXX XXXX XXXX a QWR request per respa which I have attached. XXXX XXXX XXXX  was my servicer before they transferred the servicing rights to XXXX XXXX. They haven't acknowledged my request for information within XXXX business days. They received the XXXX on XX/XX/year>. I need the information requested and have attached the letter I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a XXXX  account with sources receivable management in XXXX, they have not reported my accounts since XX/XX/2020. Called four times still no response as to when they are going to report accurately.
Product: Debt collection

I am submitting this formal complaint against Resurgent Capital Services, LP ( Resurgent ) concerning the handling of the alleged debt associated with account number XXXX. Despite documentation and an active fraud investigation by XXXX XXXX  along with the fraudulent judgement that was dismissed due to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX failure to be present in court.Resurgent Capital Services, LP has engaged in what I allege to be improper and unlawful debt collection and credit reporting practices. Below, I outline 20 alleged violations under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Gramm-Leach-Bliley Act ( GLBA ), each supported by case law. This letter serves as a formal demand for corrective action and statutory compensation as prescribed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get help i sent all the document need and they has not remove the wrong information they keep tell the updated the info but thats not helping me
Product: Money transfer, virtual currency, or money service

I noticed a {$100.00} credit to my XXXX account # XXXX on XX/XX/21, a transfer from my account at Wells Fargo # XXXX. The only problem is that I was unaware of having this Wells Fargo account until I saw the XXXX transaction, which I did not affect. My legitimate account Wells Fargo is # XXXX, which is also connected to my XXXX account
Product: Student loan

MOHELA does not respond to phone calls, portal messages, and sent me 4 letters stating I do not qualify for PSLF because my government and nonprofit employers are really FOR PROFIT employers which is false. I'm VERY close to forgiveness so I guess they really want me to file a lawsuit. MOHELA must fix these issues and illegal practices immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , Inc ) due to an adequate 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, this 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 card

Fortiva makes it as hard as possible to make a payment. The payment page on their website doesn't work and the payment portion of their app doesn't work, I have tried both at least 10 times. On XX/XX/XXXX, I called to make a payment and asked the agent to set my account to autopay, he confirmed he did. He didn't set it to autopay though he lied and then I was late with my next payment because I thought it was set to autopay and they tried to charge me a late fee.
Product: Payday loan, title loan, or personal loan

Goodleap worked with XXXX XXXX XXXX to sell me a solar panel system for my house in XXXX of XXXX. The promises made to me during the sales pitch was that the solar panel system would pay for itself within 8-10 years. After one year, the calculation of payback is at least 25-30 years and my system is currently not producing power. I am now paying back a loan to Goodleap and paying full electricity bills- completely going against the reason that I purchased the system in the first place. XXXX XXXX has closed down as of the end of XX/XX/XXXX. I have no recourse to get resolution for the false promises made by XXXX XXXX and Goodleap.
Product: Mortgage

In XX/XX/2019 I made a mortgage payment to XXXX XXXX Loans. I did not realize that XXXX XXXX Loans was the new servicer. XXXX XXXX Loans did not forward my payment to XXXX XXXX Loans until XX/XX/2019. By that time my loan was sold to XXXX. XXXX began servicing the loan on XX/XX/2019. I have reached out to all three companies repeatedly for several months ( via phone and email ) and provided proof of payment but no one has been able to get my payment recorded properly. I am XXXX XXXX military ( XXXX XXXX ) and currently on temporary duty assignment away from home. I should not have to continue to reach out to these companies with no resolution. I would like my credit report fixed and any late fees/interest credited to my loan. I believe all three companies are in violation of RESPA and FCRA.
Product: Mortgage

Lost my job due to Covid. Applied for forbearance under the Cares Act. The mortgage companys website states that one can apply for streamline refinance while under the forbearance plan if the loan is FHA or VA. Nowhere on the website states that one has to be off of the forbearance plan and have had made 3 on time payments to be able to refinance. I am including screen shots of Freedom Mortgages website that says if you are thinking of refinancing while under forbearance ... but when I called them to do this, they tell me no, you have to be off of forbearance. One of the main reasons I went under forbearance was to be able to refinance WHILE under the plan and be able to lower my monthly payments. After all, forbearance is to suspend payments you can not make and does not make sense to have to get off of the plan, have to had made 3 on time payments to THEN apply to lower your monthly payments?
Product: Student loan

My student loan provider, Aidvantage, is not letting me pay my loan in full. They keep claiming they can't find my bank account or that the bank account doesn't exist. 

The bank says nothing was sent. 

I've tried paying my remaining loan ( in full ) several times now.
Product: Debt collection

XXXX with the assistance of a Kream and Kream has attempted to collect on a debt that they have failed to validate with leaves me to believe that Im a victim of identity theft. After a number of days in court I have requested kream and kream to provide me with original documents they have failed in every attempt. They have provided me with a fraud affidavit that I dont feel comfortable giving them any of my personal information
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date, they have not responded. The following are the details of the inaccurate information and the required corrections : The following account is not mine : Creditor : US DEPT ED Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1400.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$3800.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXt : {$30000.00} Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed two hard inquiries that do not belong to me. I contacted all three credit bureaus and put an investigation, which resolved nothing. 

The hard inquiries in question are : XXXX XXXXXXXX XXXX XXXX I also tried to get it removed by contacting the actual companies who did this inquiries and was told to dispute it with my credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX. 

Account Name : SXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my XXXX XXXX, Experian and XXXX   credit report are all fraudulent accounts and credit inquiries, and are not my accounts or credit inquiries : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX XXXX, {$430.00}, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX. I been receiving harassing, threatening and annoying phone calls of abusive and profane language, threats of legal action, arrest, jail, prison, harm, violence and death, from XXXX XXXX XXXX and XXXX XXXX XXXX Call Center Representatives and Debt Collectors, which is an egregious, illegal and a violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Product: Credit card

I paid a payment using a check to the bank that services the credit card account that I have. The amount processed, XXXX to the credit card account and to my checking account was the same amount, but was different than what I thought I had written on the check. Despite letters by postal mail and numerous phone calls with the credit card servicing bank, I was not able to get copy of the check. My own bank, from which the check was cashed, does not have the copy, as it was processed as electronic debit. I would like to see a copy of the check, but credit card servicing bank absolutely will not provide that. I paid interest charge due to different in amount that was paid. Thank you. Credit card servicing bank was PNC Bank. The last phone call to customer service had rep state that PNC could not provide check image, even though previous customer service rep stated that they could and it would be mailed within XXXX month of my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have capital one credit card. At the beginning of the pandemic I was laid off from my job and became homeless and lost my phone. During this time I fell behind on my credit card payments. I eventually regained my phone and a place to live. I spoke with capital one over the phone and explained my situation and what happened due to the pandemic. They explained what they could do with extending payments and forbearance and so forth. The agent advised me that if I could come up with a minimum payment of {$25.00} that capital one would remove the late payments from my credit report. I paid the money, however they have reneged on the agreement. I spoke with an agent yesterday and he expressed concern but said he couldn't do anything. He suggested I contact you guys. 

I wa a victim of circumstance during pandemic, I caught up the payments and haven't fell behind since. This isn't right, they lied to me and are impacting my credit score greatly. I am unable to buy home due to this. Please make them make it right. Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I asked for a dispute on XXXX for XXXX XXXX XXXX of Deed about a tax lien placed on my credit report. I called the number listed and it was the wrong number, I found the XXXX XXXX XXXX of Deed office and they did not have a tax lien against me. I gave that information to Experian and they refuse to remove the item, nor did they follow up on the information. I again am trying to dispute this item and they refuse my dispute. The same information was given to XXXX and XXXX and they verified and remove the line item on my credit report.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed that XXXX inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a letter and I told credit bureaus to investigate every piece of information on the accounts that I have listed below. 
According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge of concerning such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. 
They stated that my account was verified but how is this possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX