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

I made a settlement agreement with the original creditor. I sent a copy of the agreement and proof the payment to XXXX to update my credit report. They updated my report initially and then changed it back to show me owing the balance the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is relatively simple. I have a few student loans on my credit that are not valid. First there is a loan on my credit that shows a balance of {$63000.00}. This loan is from XXXX University and is a federal student loan. Recently, on XX/XX/22, a new law agreement settlement came into play under Sweet v. Cardona. The Department of Education identified as having evidence of misleading job prospects, employment opportunities, and even how much students would earn after graduating. Former students of those schools who applied for debt relief are entitled to full loan forgiveness under the settlement, including reimbursement of payments they have already made to their lender. The XXXX XXXX. This CASE PRECEDANT, exclaims that I am eligible for full student loan forgiveness for the schools i went to, both XXXX University and XXXX XXXX. I have disputed this information numerous times and any denial is a direct violation of law. Stop playing with me, or you will get sued. I am not liable for the {$63000.00} federal student loan XXXX XXXX University ) on my credit from the Dept of EDUXXXX nor am i responsible for the {$3100.00} US Dept of EDUXXXX XXXX XXXX XXXX XXXX ), as expressively stated in the case precedent. The proof can be found here XXXX XXXX XXXXXXXX % XXXX % XXXX % XXXX % XXXX UNDER THIS SETTLEMENT I AM FULLY ENTITLED TO THE ENTIRE LOAN BEING RELIEFED AND ANY PAYMENTS MADE ON THE LOAN ARE DUE BACK TO ME. THIS IS THE LAW, YOU MUST ABIDE, THERE IS NO LAW OR SETTLEMENT STATING OTHERWISE. I WILL UNDER NO CIRCUMSTANCE TAKE NO FOR AN ANSWER. YOU WILL ABIDE BY THE LAW OR I WILL FORCE YOU TO BY MEANS OF A LAWSUIT. 

I AM NOT RESPONSIBLE FOR ANY STUDENT LOAN DEBT. THE LAW FORGIVES THIS. 

I DO NOT OWE ANY OTHER THE DEPARTMENT OF EDU LOANS ON MY CREDIT, ALL LOANS HAVE BEEN FULLY FORGIVEN AS THE SCHOOLS HAVE BEEN FOUND TO BE FRAUDS. THE MULTI XXXX DOLLAR SETTLEMENT IN SWEET V. CARDONA ALSO BACKS MY CLAIM. THERE IS XXXX REASON TO DENY THIS CLAIM. CONTINUED DENIALS WILL RESULT IN AN IMMEDIATE LAWSUIT.
Product: Credit reporting or other personal consumer reports

Company hasn't told me how the process works and has not removed the information reporting incorrectly which is against my Consumer Rights and grounds for relief through due process. Items are unverified and no one has told me step by step the process for verification.
Product: Credit reporting or other personal consumer reports

They have incorrect information on my credit report that needs to be taken off
Product: Checking or savings account

I deposited a check via XXXX  on XX/XX/XXXX. Shortly afterward, I received a letter from the bank requesting a XXXX extension to verify the checks authenticity. Following that, I received a second letter requesting an additional 5-day extension.

Since then, I have contacted the bank weekly to inquire about the status of the hold. Each time, I have been informed that the bank is still waiting for the check to clear. The check in question is issued by the U.S. Treasury and is related to the XXXXXXXX XXXX XXXX settlement. 

To date, I have not received any funds from this deposit. I would appreciate any assistance in resolving this matter as promptly as possible.
Product: Credit reporting or other personal consumer reports

According with the law FCRA section 605B is illegal to report anything on my credit report with out my permission please remove this negative item thank you self lender report late payments on the account # SELF XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

I 'm reporting on ATG Credit. This firm claims to be collecting on a medical debt. They claim it was with XXXX XXXX XXXX. I asked for verification because I never heard of them. They said that was my responsibility. I also explained if I did owe this debt I had just lost everything, First my health, XXXX. My home was lost due to my health ... They said and I quote " I do n't care about you just if your going to pay your bill ''. Then he added " I will write you refuse to pay your bill down on the comments ''. I said please do n't I do n't refuse I just want verification that I actually owe it. Then he hung up on me. I called back to try to work something out and they said " you went to this hospital and they gave you care to feel better, why wo n't you pay your bill? '' I responded that I 'm now XXXX and finding it difficult to make ends meet. He said " I pay my bills why do n't you pay yours? ". I was literally in tears now. I was never given any proof or a right to dispute notice or anything. I 'm sick, and doing the best I can despite my situation, how dare these dirt bags make such comments!
Product: Credit card or prepaid card

I received a email from Bank of America asking how I would rate my recent call experience with XXXX XXXX This occurred on XXXX XX/XX/2022. I did not call Bank of America on XXXX XX/XX/2022 so I was confused on why i got this email form Bank of America. On XXXX XXXX I contacted Bank of America on XXXX XXXX after my card had been declined at several establishments. I checked my phone and found a voice mail from Bank of America to call because there may have been fraud on my credit card account. I also logged into my Bank of American online account and saw there was a message to call regarding my credit card. I called Bank of America on XXXX XX/XX/2022 and validated that a charge on my card listed as an ACH Payment refund had increased the balance on my credit card by {$1100.00}. I have since contacted Bank of America by phone another time and actually went into their office on XXXX XX/XX/2022 in an effort to resolve this issue and get it investigated properly. My concern is that someone called into Bank of America on XXXX XX/XX/2022 pretending to be me and I am not sure what information was passed on to them by Bank of American personnel. I am concerned about identify theft and future issues with my Bank of America accounts.
Product: Credit reporting or other personal consumer reports

I did not authorize these hard inquires. These Hard Inquires are unauthorized. Please remove them from my credit report.
Product: Debt collection

Pursuant to USC 8, I owe no debt. I do not have a contract with Halsted financial. This company is violating my consumer right to privacy. I have never had an XXXX XXXX. This company claimed I made a XXXX dollar payment out of my checking account on XXXX/XXXX/2023. I have only made a XXXX payment to my XXXX XXXX account. See attached. It also has the name XXXX on the email and text message which I am not. This company keeps sending me threatening emails and text messages while I am work. I work XXXX jobs and am gone from XXXX XXXX  to XXXX every night 6 days a week. This is harassment to the highest degree.
Product: Credit card or prepaid card

Payment for the credit card was sent via bank pill pay on XX/XX/2023, for payment due XX/XX/2023. After checking account, they charged a late fee on XX/XX/2023, but processed the payment on the following day. Contact was made to First Progress on the following dates : XX/XX/2023 ( no response ), XX/XX/2023 ( spoke to representative about a late payment fee that was put into my account. Another in which had been applied, totally {$60.00}. I requested that both be excused due to late processing from them and perfect payment history. ) XX/XX/2023, I received a letter stating that they could not process my request at the time. 
I called again XX/XX/2023, and spoke with XXXX. He suggested that I write a letter and fax it to correspondence, in which it stated all personal grievances. The fax was sent the same day. There was no response to fax. 
Contact was made again on XX/XX/2023. The representative said the matter had not been reviewed and I needed to further wait. The representative also suggested that I send another fax requesting a Goodwill Deletion for the late remarks and a credit for fees. The fax was sent again. 
There was no response for the next following weeks. I called again on XX/XX/2023. The representative said that there were no updates on the account. She suggested that I just pay the late fees, in which I declined. I requested for someone to contact me. 
No letters were received by me nor was there any calls. 
I called again on XX/XX/2023. By this time the account had reached {$110.00} in late fees and had been reported to the credit bureaus as a delinquent account. The represented suggested that I pay the fees and that they might reimburse me after a solution has been made. I declined once again, due to the uncertainty that a solution will be made as well as the possibility of being reimbursed. He suggested that I send another fax to request a Goodwill Deletion for the reports to my profile as well as state my complaints. I sent the fax XX/XX/2023.
Product: Debt collection

there was a debt placed on my credit report that they are unable to show I actually owe I requested documents that I had signed to receive service and equipment. I had spoke with a rep from the collection agency that refused to give me info on the company desiring collection and could not provide any documentation of debt owed. 
I contacted XXXX and spoke to XXXX who then transferred my to XXXX id # XXXX on XX/XX/2017 at XXXX hrs that refused to provide documentation of the debt she then transferred me to rep XXXX # XXXX at XXXX hrs. this rep attempted to find documentation of services but was unable. she stated that she would send it to investigation on their end. I then repeated that I need documents that show my signature that I received equipment and or services.
Product: Credit reporting or other personal consumer reports

My account with XXXX TRANSUNION 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 21 days before the payment due date. 


XXXX TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Checking or savings account

Every month for a year the company called pdf simple took out XXXX since XXXX XXXX XXXX. My bank refused to give me my money back from multiple transactions I did not make. I tried calling the company that it was taken out of and they said they could not help because someone used my debit card to make it even tho I reported that card stolen a while ago and it still being taken out of
Product: Credit card or prepaid card

Paid credit card payment 3 weeks before due date, XX/XX/XXXX. I noticed it never got credited. Due date was XX/XX/XXXX. I called and spoke to several different people at XXXX, several different days. Finally spoke with a manager, XXXX who found that they posted it to my PayPal MasterCard instead of my XXXX MasterCard. XXXX said give it 48 hours to be moved. As of today, XX/XX/XXXX, it stil hasn't posted. Yesterday, XX/XX/XXXX, I called again to synchrony Bank and spoke with XXXX in customer service, who told me it wasn't posted. I asked for another manager & spoke with XXXX who said he read all of the notes, which he said were MANY. Puzzles me because how hard is it to move a payment? XXXX-advised he read the notes on my account state it went to corporate office but not why. They had charged me a late fee but XXXX reversed it. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XXXX spending an extensive amount of time only to be told excuses although XXXX indicated last week she saw the proof of ei sent 2 weeks ago. So, I ask you whats the problem? What does their corporate office need to be involved for?
Product: Debt collection

I have received a letter from a collection agency regarding my XXXX XXXX XXXX contract from XXXX. They want {$740.00} for remainder of the security contract. I have sold my home in XXXX XXXX and moved to XXXX XXXX XXXX in XXXX, OR. At the time of my move I notified XXXX that I would not need the security service here and to cancel my contract. I am XXXX XXXX XXXX, in declining health due to 2 recent XXXX surgeries. I am not a wealthy person and need what little money I have to take care of my rent, health issues, and obligations in my XXXX location. I have written several letters to them and their answer is that I signed the contract and I owe them. Am I to pay them for services that I can not use?
Product: Credit reporting or other personal consumer reports

In order to REMIND Equifax and XXXX Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Equifax and XXXX BUREAU MUST DO THEIR JOB PROPERLY and immediately remove of these fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This company called my family members phone and then accused them of being me after they were told it was not. Told them to just go the their website and take care of things
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report two erroneous bankruptcy accounts on my report. I have disputed it several times and asked for their method of verification, which they failed to respond too. According to their report, the information was provided by the XXXX XXXX. However, I contacted the XXXX and received a letter stating that the XXXX does not report bankruptcies to the bureaus, nor due they assist with disputes. Per the FCRA, all entries on a person 's credit report must be 100 % accurate, complete and VERIFIABLE. Since the accounts can not be verified by the method contained in the report, it must be DELETED!
Product: Credit card or prepaid card

Its Netspend by XXXX, my card and phone were stolen and I lost {$2300.00} out of my account i followed the steps filed a police report canceled my card and provided all requested documentation for my claim and not even 8 days I received a denial letter they hadnt even received my police report over the mail yet. Iam covered by the guidelines of the fdic and Netspend is refusing to help
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against Transunion, XXXX  and XXXX Credit reporting agencies, I have been communicating with them via fax, mail, phone call for the past months ( since XX/XX/2019 ) to have my credit report corrected and delete what was not supposed to be my account since I was a victim of identity theft. I submitted to them a copy of the police report and all the attachments, XXXX  has not deleted the information that needs to be corrected inspite of my repeated request of investigations and update of my credit report. I am an XXXX  XXXX or XXXX XXXX and I have been having difficulty getting a business loan or any personal loans especially with this COVID 19 pandemic which I need to get a business loan and can't get any approval from anyone because XXXX  is not giving me the right information on my credit profile. Transunion is saying that I currently have no positive score or credit established to give me a score. I am XXXX fico score with Transunion. XXXX  at one time last year reported me as DECEASED and after I called and send them letter for months is the only time they corrected it. Some creditors have told me that they already sent a deletion of the negative information due to identity theft but Transunion and XXXX  is not doing what they are suppose to be doing. I have established 4 years of car loan with XXXX, I have XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX  which I have almost 2 years now with a good payment history and yet Transunion is saying I don't have a positive credit history. Please help me with this problem as I have been dealing with them for a year and one time used a credit repair agency to help me I have paid almost XXXX to help me but the credit reporting agencies have not done anything to resolve the problem. Aside from these 3 credit bureaus, the creditors that I want to file a complain is XXXX XXXX, XXXX XXXX, and the XXXX XXXX XXXX. Thank you so much for your attention regarding this request. I am hoping to hear from you and your assistance with this matter is highly appreciated. Be blessed!
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after their investigation. I would like this item immediately re-investigated, this is being shown as XX/XX/XXXX or XX/XX/XXXX. These inaccuracies are highly injurious to my credit score. The information of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX never occured. This company has continued to violated my rights in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

I deposited {$10000.00} in cash to my personal checking account. Chase Bank put an indefinite hold on my money and are refusing to close my account and give my money back. 
I have been given no reason except for investigation purposes. It has now been 3 months that I have been trying to get my money out to pay mortgage and car payments. 
They refuse to give me what is legally mine. 
They refuse to give me a reason. I already went above the branch and have contacted executive offices and they are giving me the same excuses. Do NOT trust Chase! They will steal whats rightfully yours!
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX sent a medical debt that had been paid to CMRE Financial Services prematurely. The payment had been made and no further contact was necessary but the debt was still in a status that would continue to attempt collection. XXXX XXXX XXXX and CMRE financial services violated the Fair Debt Collection Practices Act by sending a medical bill to collections before the 180 day minimum and proceeded to send out collections notices even though the debt was paid.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the following information on my credit report : Incorrect Address 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 I have never lived at any of these addresses, worked for any of these employers, or used any XXXX XXXX phone numbers. I believe that this information was mistakenly placed on my credit report. I have attached documentation supporting my dispute, including a recent piece of mail that proves I dont live at any of those addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a complaint against Experian because I noticed several unauthorized inquiries on my credit report. I also DEMANDED that Experian investigate and show proof of verification. On Today, I received a response from Experian claiming those inquiries were verified, but I wasnt send proof of how they were verified. Im aware of my rights and according to FCRA, inaccurate and unauthorized information should NOT be on my credit report. Experian must show me proof of what they used to verify these inquiries or REMOVE them immediately. I have rights to be allowed to see the proof of verification and if there isnt any then these inquiries should be REMOVED. You must be able to prove that these inquiries are valid. I feel as though my rights have been violated because there are inquiries on my credit that simply does not belong to me therefore, they should be REMOVED. I have a fraud alert on my credit report, so I shouldve been contacted about these inquiries but I wasnt. The inquiries needed to be removed are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I am writing in regards to my Bank of America account, I have made all my payments on time upon making my last payment which bought my account down to XXXX. I was then billed for interest which I was under the impression that my account was a XXXX balance and therefore didn't even check on my account. When I was put on notice that the account is past due I paid it right away.