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

Discover Card reported a 1099 C to the Internal Revenue Service for the whole charged off balance on the account. Discover DID NOT send me a copy of the 1099 C.

Discover card should be reporting closed and a XXXX  balance as a result of issuing the 1099 C.

The 1099 C was issued XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent notice to the US DEPT OF EDUCATION certified mail XXXX. They have signed for and received this notice. I am disappointed in them and their lack of effort to communicate with me. I have discovered that they have been RE-AGING the account ( s ) listed. I presented them with factual disputes of the inaccuracies and incompleteness of the information furnished on my consumer report. In Accordance with the FCRA, which is used to ensure accurate and complete information, I demand that these accounts are deleted and removed. They have reached their statute of limitations. These items were supposed to be removed as of XX/XX/XXXX. I discovered the discrepensices in their data by comparing my XXXX credit report against my XXXX. The US DEPT OF EDUCATION Is furnishing incomplete and inaccurate data and manipulating the information to benefit themselves and damage my character. I have attached the notice that was sent to them and I have included each of the exhibits used to determine why I am disputing this.
Product: Student loan

Since XXXX I have been getting misled by FedLoan Servicing and let it go.XX/XX/XXXX I decided to work on getting issues resolved by calling FedLoan Servicing for help. Each and every time you call, a different customer service rep advises of something different than the last rep. I was told to have my payments reduced and they did. Then I was told to send in claim forms so the XXXX qualifying payments would be adjusted to reflect on account. XX/XX/XXXX I contacted FedLoan again ( they try to wear you out and discourage you from trying to fix it ) and requested an audit. XX/XX/XXXX the letter they sent to me still shows no audit and no accurate count of payments made each and every month. XX/XX/XXXX-XX/XX/XXXX nothing done. After complaining again, XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX an adjustment was made to show " 2 qualifying payments when in fact there were 4 ''. My employer re-faxed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX claim forms because rep XXXX XXXX ID # XXXX stated " noting received since XXXX ''. Today, rep XXXX XXXX ID # XXXX claimed my employer sent all claims for all years XX/XX/XXXX, which is false. FedLoan altered the name of the employer to make it appear I'm not working at the same place although claim forms indicates " Still Employed '' and the Federal EIN # is the same from XXXX and XXXX. FedLoan ( XXXX, XXXX and others ) will tell consumer " claim not received and to resend '' but when you resubmit, claims are rejected because they are all sent at once. Never ending cycle of no assistance and misleading. Also mislead you by telling you what you should pay only to find out that the payment you were told to pay is not a qualifying amount. Each month, your loan balance nor the interest you owe ( outstanding ) changes-even after doing what the rep tells you to do. There is no escalation dept., no audit department, no one in the entire company that customers can speak with for help.
Product: Debt collection

The debt collection agency Cedars Business Services contacted me on XXXX  XX/XX/XXXX about an outstanding debt ( which shouldn't exist in the first place ) and did not tell me how to dispute the debt. Their email is attached. 

It was only because I am familiar with CFPB and federal laws that I was able to send back an email disputing the false debt. Had I not known this I would've not have been able to defend my rights given the debt collector 's false and deceptive tactics. 

According to California law : " Within five days after a debt collector first contacts you, it must send you a written notice, called a " validation notice, '' that tells you ( 1 ) the amount it thinks you owe, ( 2 ) the name of the creditor, and ( 3 ) how to dispute the debt in writing. Don't give a debt collector any personal or financial information until it sends you this validation noticeit may be a scam. '' XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report, and saw an account for DSNB/Macys in the amount of {$270.00}. At the time the account became delinquent, I lost my job and eventually became homeless. I was living from one family member to another for a few years working side gigs. Now that I'm stable and gainfully employed, I'd love to pay the debt in full of {$270.00} to delete the trade line and collection as the account will be seven years old in XX/XX/2020. Its no reason for it to still report, especially after its paid.
Product: Checking or savings account

As of today cash app refused to make payment to a vendor I sent money to and declared unusual activity on my account locking my account freezing my money and will not and refuses to unfreeze it although I verify all information and it is by no means unusual activity on my account. I believe that every once in awhile the corporation freezes multiple accounts so that they can keep the money in the bank so that they can make interest which would accumulate in 24 to 48 hours very extensively!!!!!! They are Crooks! 3 years ago they locked me out of my account for over 2 years saying that I could not gain access to it they still have not refunded my money that was stolen when my identity and my phone was stolen when my daughter and I were trapped in XXXX causing a whirlwind and a landslide of problems in my life that I am still dealing with issues that will never be resolved and heartache between my daughter and I that can never be mended. They have refused to give back the XXXX that I purchased all those years ago that he stole I have provided them with the police reports I have provided them with all of the information that they have needed yet they still refuse to answer me period furthermore they refuse to refund any transaction that has been made by mistake even when it comes to typing in the exact address as it's shown but in small print underneath it's slightly different. Saying that they can not refund the payment period now a bank account that is federally insured by the FDIC must refund a disputed payment yet they refuse over and over and over and over period tonight they have left me in yet another situation that is dangerous by stealing and keeping my money for me on the pretense that there was unusual activity when it is very clear that the only activity that has been on my account for the last year and a half has been this situation exactly. These people get away with this hurting people over and over and over because no one ever does anything about it and because no one thinks they can do anything about it this company cash app owes me thousands of dollars and I am done waiting by the way sides for them to do the right thing. I want my money I want all of the money that was stolen from me I want all of the money that I have asked for a refund for I want all of the money that Encompass the XXXX and the stocks that I bought that were stolen I want it all and furthermore I want the pain and suffering to be compensated for as well because I promise you the pain and the suffering that you have caused me and that you have caused my daughter have been excruciating and so painful that you want to crawl out of your own skin and I have document after document after document to prove this. I have had enough with this company and either they stop doing what they're doing in order to make interest on keeping me people 's money from them and that they stop acknowledging the federal laws of the FDIC in which they are insured of and that they stop lining their XXXX XXXX pockets with our Blood Sweat and Tears period enough is enough
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in months that are reported late to be removed.

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

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


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

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

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Equifax previously removed a fraudulent account from my credit report on XX/XX/year>, following the submission of a police report for identity theft. However, this account was later reappeared on my credit file. I disputed it again, providing all the necessary documentation to support my claim. 

I have spoken with XXXX representatives, providing them with the confirmation number for the previous dispute, yet the fraudulent account remains on my credit profile. Additionally, I have escalated the matter to several supervisors, who have provided false information regarding the previous removal and the details uploaded for its removal. 

If this issue is not promptly resolved, I will be forced to pursue legal action for the wrongful reporting of a fraudulent account on my credit file.
Product: Checking or savings account

I deposited a Retirement plan check from XXXX in the amount of {$3000.00} on Monday, XX/XX/XXXX at the Bank of America branch in XXXX XXXX. The cashier informed me there would be hold on the funds until XX/XX/XXXX at XXXX which was acceptable to me. I received a deposit slip and notice of hold form from the teller verifying the availability of funds on XX/XX/XXXX. After the check was deposited and no longer in my possession, Bank of America showed on the account that the funds would not be available until XX/XX/XXXX. This is going to cause me to receive and eviction notice since my rent will not be paid on-time as well as prevent me from paying for XXXX XXXX and obtaining XXXX as well as being charged late and other fees. If the bank had advised me of the XX/XX/XXXX date I could have made other arrangements. I called Bank of America and I got a lot of XXXX  as they had to wait to receive the funds through the XXXX etc. The length of time for them to clear a check from a financial institution like XXXX seems quite excessive and abusive. The bank should be held to the agreement made at the time the deposit was made and as shown on the hold notice and not be able to change the rules after I am no longer in a position to pursue other options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my XXXX XXXX risk solutions credit report. There was a U.S. Bankruptcy court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) If a credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U.S. Bankruptcy Courts confirmed XXXX XXXX has never validated or verified this public record entry on my credit report, neither will they ever be by them They further stated while they are NOT liable or responsible for any MIUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrect. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

Per the FEDERAL CREDIT REPORTING ACT, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the ORIGNAL signed consumer contract and/or judgment ( s )- all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

I have included my last letter sent to the credit agencies demanding this false inaccurate information be deleted from my consumer credit report and I have yet to hear back from them. I am herby asking that this be handled immedicably.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against IQ INTERNATION DATA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting or other personal consumer reports

COPYRIGHT AND TRADEMARK NOTICE Copyright XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is formal legal/lawful notice of recission, and that you are in breach of Copyright & Trademark. This information is pertinent so please read it carefully and/or have your legal team review it as failure to understand or act is not a remedy or defense. - I have sent Equifax numerous requests to have them VALIDATE the Bankruptcy that is being reported on my consumer credit profile. They come back the same day, almost immediately stating that it has been validated/verified. I have been asking them to VALIDATE who they spoke with and how the account was validated to prove that it belongs to myself. Not only is my consumer profile not reporting correct and accurate information it's in violation of 15 USC 1681c, 15 USC 1681d, 15 USC 1681 e, 15 us code 1681i - The accuracy of my credit profile is the upmost important to myself, and Equifax is refusing to update the information, or provide validation to me in which they feel backs up their complaint that this is accurate reporting. I also have the Trademark and Copyright of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX continued violation in providing inaccurate information associated to my intellectual property and I order you to cease immediately, and update my consumer credit profile accordinly. If you can not provide who you spoke with and the method in which you used to validate this information you must delete it from my consumer credit profile.
Product: Checking or savings account

Trying to use XXXX  with PNC. PNC blocks XXXX  from linking my account. I am now looking at switching to a different bank. Something so simple shouldn't be this hard
Product: Debt collection

I just checked my credit report and I have a derogatory collections mark from this company. Problem is I have never received any letter or communication from this company where it gives me an opportunity to verify this supposed debt. I do not even know what this debt supposedly is. They have not validated any debt ( proving it is still within the statute of limitations, they are bonded to do business in the state of Texas, the amount can be proven and verified ... etc ). This violated FDCPA. Again I was never sent a letter with my rights to dispute the debt.
Product: Debt collection

In XXXX or XX/XX/2024. Someone left me a voicemail saying she was from an attorneys office and to return the call. I called and she informed me of a debt I have with the National Credit System for {$15000.00}. 
I explained to her that I was unemployed due to my XXXX after the major car accident. She told me she would send me information on the debt. I have not received anything from them. 
I would have liked a opportunity to dispute the charges, due to the fact that I was involved in a major car accident and the complex knew I was unable to work and spent all my savings trying to keep up with the rent. I fell behind a couple of months and moved out because I was not able to work and pay for rent. The property complex was aware of this and did not care about the situation I was going through. I have never received any breakdown of the charges and why it went up so much when the rent was only {$2000.00} a month ( I cant remember exactly ). I feel like this is an outrageous and cruel amount of money for someone who is in my situation and no income to resolve this matter.
Product: Debt collection

I am writing to request validation of the debt, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information regarding the alleged debt : 1. The name of the original creditor.

2. The amount of the debt, including a breakdown of all fees, interest, and charges.

3. Proof that you are authorized to collect this debt, either through assignment or ownership.

4. Verification of the debt, including copies of any contracts or documents that show I am legally obligated to pay the debt.

5. A detailed payment history showing how the alleged amount was calculated and whether payments have been applied. 

Until I receive this information, I request that you cease all collection activities related to this debt, including reporting this account to credit bureaus or pursuing legal action.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive, as they did not comply with air 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 address for these violations.
Product: Debt or credit management

I used the credit repair services in the early XXXX not sure of the date and my credit was never fixed for the amount of money that I paid. I am still paying for XXXX XXXX as of this date through my pay roll
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B obliges us to remove any incorrect accounts from my credit report. Please check the documents? Some of the listed accounts have reporting errors, including wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey the company is reporting late payments to my credit report
Product: Debt collection

This was deleted off my report. As of XX/XX/year> I had XXXX collections. Today XX/XX/year> I have XXXX. Caine and weiner reported this like it's something new. I do not know of these people nor the debt they are trying to collect. Deleted previously then re-reported as if it's a new collection. I have a recent complaint on file with cfpb and it was deleted. Now reopen
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me 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 XXXXXX/XX/year>
Product: Mortgage

Taxes not being paid on time through escrow. All my payments are on time. Received a delinquent notice on XX/XX/XXXX for taxes due XX/XX/XXXX and contacted company. Sent a copy to them and said it will be taken care in 5 business days. Received a XXXX delinquent notice and have contacted company every 5 days only to be told to call back in another 5 days. Also promised call back from supervisor but never heard anything.
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the clients right to counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed some errors on my credit report with Equifax and XXXX. I did so via postal-mail in a letter that I mailed to them on XX/XX/XXXX. I was supposed to get a reply within 30 days. To date, I have received no responses.