23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan on XX/XX/XXXX with due dates that were supposed to be when I get paid. Advance America tried to withdraw the money on the XXXX but payday was the first. I could have transferred money from another account. I have sent Advance America proof of the change in payday multiple times through their website, the last being XX/XX/XXXX and they have yet to make the change. I noticed the missing payment on Friday and immediately made a payment via debit card on their website. Since then, the company has not left me one voicemail. However, yesterday, they called my mother who called me distressed that a debt collector was calling me. I believe that Advance America had no right to call my mother on a current debt. The payment was made the day after it was missed, it was their fault it was missed because they have not updated the terms. Now my Mother, who has constant XXXX XXXX XXXX and XXXX has called me 5 times about this issue. I believe Advance America has violated FDCPA policies, therefore entitling me to damages for what I have been dealing with as a result of their mistake.
Product: Student loan

On XX/XX/XXXX I sent the student loan payment for certified mail. I noticed that OSLA the student loan administrator didn't make cash the check. Also I received calls on XX/XX/XXXX at XXXX XXXX ( phone XXXX XXXX XXXX XXXX ) asking me to subscribe to automatic loan payment. also OSLA sent it to me two emails on XX/XX/XXXX asking about same questions and let me know I didn't the payment. Tired of that situation on XX/XX/XXXX, I sent to OSLA and email requesting to cash the checking that I can proved was sent it for certified mail, ALSO REQUESTED THAT THEY STOP THE HARRASMENT AGIST ME AND STOP TO PUSHING ME TO DO STUDENT LOAN AUTOMATIC PAYMENTS AND ALSO, REQUESTEM THEM RESPECT MY RIGHTS. 

Concerned with that situation I sent it again for certified mail on XX/XX/XXXX my student loan payment of XX/XX/XXXX, Again in XX/XX/XXXX I noticed that the check was not cashed again for OSLA. Inmediately the same day I sen it to OSLA a new email requesting to make cash the payment and STOP THE HARRASMENT AGAINST ME. 

To prevent problems with next payment of XX/XX/XXXX, I sent it again for certified mail the student loan payment with one month of anticipation. 

OSLA ANSWER MY EMAIL OF XX/XX/XXXX IN A VERY NOT RESPECTFUL WAY : they left message in my box mail ON XX/XX/XXXX, from phone number XXXX XXXX XXXX XXXX at XXXX XXXX  ( inappropriate hour to do that call too ), asking again for a payment that I did in XX/XX/XXXX. In addition OSLA sent it me four emails the on XX/XX/XXXX and XXXX requesting me to do a payment that I did in XX/XX/XXXX for certified mail. 

I am concerned about OSLA RETALIATION, they are not helping me and are affecting intentionally my credit, credit scores and credit in general. 

I REALLY NEEDS YOUT URGENT HELP, OSLA BEHAVE LIKE I DON'T HAVE RIGHTS.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to the courthouse asking them do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on 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 is acquainted or who may have knowledge concerning any 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 or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 or other personal consumer reports

I am writing to address the matter concerning XXXX XXXX and XXXX XXXX. Enclosed, you will find XXXX XXXX 's rebuttal to the judgment submitted by XXXX XXXX. 

It has come to my attention that XXXX XXXX 's actions are not reflected in my credit report. Therefore, I request the dismissal of this correspondence and the case associated with it. 

Attached, please find a copy of my credit report and supporting documents for your reference. We firmly believe that XXXX XXXX XXXX response deserves thorough review and consideration by the relevant authorities. 

We trust that you will carefully examine the details of this case in an impartial manner. Should you require any additional information or clarification, please don't hesitate to contact me. Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

I am filing against Cash app ( Block.Inc ) due to inadequate and unfair practices with violate customer financial protection act ( CFPA ). Specifically cash app failed to take time and effective measures to prevent 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 with error resolution requirements under the electronic find transfer act and regulation E. These actions have caused insignificant inconvenience and financial loss I seek appropriate re-address for these violations.
Product: Debt collection

I first received a phone call from a woman from Credit Collection Bureau of XXXX, ND for a debt that is not listed on my Credit Bureau Report and that of a Medical Bill that I have never heard of. I told her I do not have that particular debt and she said, " Well part of this is paid off ''. I told her to stop calling me ... and I blocked her. I then received a letter with Medical Bills. 

I have been a victim of Identity Theft in the recent past. 



XXXX XXXX XXXX  & XXXX XXXX XX/XX/2021 I am on the Do Not Call Registry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy should not be reported on any of my credit reports 15 U.S.C 1681
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX  XXXX Account XXXX  Date Opened : XX/XX/XXXX Amount : {$5700.00} XXXX XXXX XXXXXXXX Account XXXX  Date Opened : XX/XX/XXXX Amount : {$3600.00} XXXX XXXX XXXX  Account # XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Amount : {$6200.00} Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time that this has happened, Experian deleted a valid credit card account from my report. I disputed Experians reporting incorrect info on my report. I did a 30 day free account, after the 30 days Experian deleted my XXXX card account from my report then used that as leverage to make me pay for there premium service, I did not want that I have a free Experian service through XXXX XXXX, now they have deleted a Excellent stellar as all my accounts are XXXX XXXX XXXX   XXXX  account I called XXXX XXXX and they said no account is great, I don't know what Experian is trying to do but I am going to contact a attorney at this point
Product: Student loan

Heartland ECSI is the servicer for my Perkins Loan. Over the past several months of the pandemic ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ), ECSI has continued to charge interest on this loan in violation of the CARES Act, signed into law in part to halt interest charges on federal student loans. 

I never stopped paying my Perkins loan during the pandemic, in part because ECSI has been difficult to deal with in the past. However, when I reviewed my loan statements in the past few days, I noticed that my payments for XXXX, XXXX, XXXX, and XXXX were being applied to interest first, then principal. The CARES Act was supposed to prevent loan servicers from collecting interest until XX/XX/2020. That is not happening, and I suspect Heartland ECSI is committing this same violation to most, if not all graduates/students who hold Perkins loans. I applied for a forbearance to halt payments so I could have time to research this. Heartland ECSI applied the forbearance for XXXX and XXXX. I am a public servant attorney for a state government, and have worked very long hours during the pandemic ( up to 15 hours per day ) to serve the people of my state. My vision has deteriorated drastically during the pandemic due to these long hours and time spent using computers. I have incurred {$1400.00} in XXXX costs over the past 3 months alone for my eyes. 

ECSI Heartland is the only federal loan servicer that has continued to charge me interest. The interest stopped on my XXXX XXXX loans and my other federal XXXX loans serviced by XXXX. I don't know why my Perkins loan is being charged interest when others are not.
Product: Debt collection

C/O RESURGENT CAPTIAL XXXX XXXX XXXX XXXX, SC XXXX Dispute of Inaccurate Information on Credit Report Dear LVNV FUNDING LLC I am writing to dispute the following inaccurate information on my credit report, in accordance with my rights under 15 U.S. Code 1681i. Please investigate and correct any errors found in my report.

Account Name : LVNV FUNDING LLC Account Number : XXXX Disputed Information : I HAVE DEBT OWED Reason for Dispute : IT IS INACCURATE AND I DID NOT HAVE ACCOUNT WITH COMPANY IM APART OF ID THEFT I respectfully request that you conduct a reasonable investigation into this matter, as required by the Fair Credit Reporting Act. Please remove or correct the inaccurate information from my credit report, or provide me with a detailed explanation of your findings. 

Under the FCRA, I am entitled to receive the results of the investigation within 30 days. Please confirm receipt of this letter and the initiation of the dispute process. 

Thank you for your prompt attention to this matter. Please notify me in writing once the dispute has been resolved. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a Crypto.com Account, with a XXXX card. I was hacked about 6 months ago and the person changed my phone number and email. I'm trying to get my account back. 

I feel as though Crypto.com employees are simply playing a game with me, and it is not funny. for over 5 months, they have made me send copies of my driver 's license, front and back, then a picture of me holding the license to my face, and the first couple were not acceptable so I had to do this 3 times. Then they wanted a piece of paper with the date, words Crypto.com, and some code they give me and I am to hold all of this plus my phone to take the photo but have my elbows in the picture. I don't have 3 arms. We've done about 50 takes of all these things and now they want my phone number. NOW, if the hacker changed my email, he's also going to change the phone number. 

One person said I needed to make a completely NEW email, not the original one that I signed up with, which is illogical, but I did it, and now they want another video of me with another code and looking at my elbows. It's impossible. 

I want my account back. 

XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, CA XXXX XXXX XXXX or XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed some inquiries that I never authorized being reported
Product: Credit card or prepaid card

Barclays abruptly closed my account with balance I have XXXX worth of reward points they refuse to credit to my account
Product: Credit reporting or other personal consumer reports

These late payments don't reflect my usual pattern of paying on time.
Product: Credit reporting or other personal consumer reports

The presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life despite my repeated attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and anxiety while severely impacting my financial stability and everyday wellbeing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

I have attached a consumer report as evidence.
Product: Student loan

For the past two years, I have consistently been given incomplete information about the terms and payment method on a {$4000.00} XXXX loan that I received through a financial aid advisor at the University XXXX XXXX - XXXX in XXXX of XXXX. Due to my loan servicer 's mishandling and the actions of staff at XXXX. XXXX, I have missed two payments, and that has unfairly impacted my credit score. 

When I received the loan, I was never given a hard or digital copy of the terms of it or the name of the company that would be servicing it. I was told I could manage payments on it through the XXXX XXXX XXXX XXXX, which is how I managed my other federal loans. After I received my XXXX XXXX XXXX in XXXX XXXX, I deferred payment on my federal loans as I searched for employment. 

On XXXX XXXX, XXXX I received an email from XXXX XXXX at XXXX. XXXX 's XXXX XXXX XXXX XXXX, XXXX 's XXXX. The email incorrectly referred to me as XXXX XXXX ( that is not my name ) and informed me a payment on my {$4000.00} XXXX loan was past due. At the time, I was under the impression that the loan had been deferred, along with my other federal student loans and I was frustrated that this was the first time I was receiving a notice via email that a payment was due. XXXX XXXX aplogized for mis-naming me, but told me that my loan servicer on the XXXX loan was XXXX XXXX, and that was different than the company that was servicing my other federal loans, which is XXXX. He said I could n't defer payment. I told him I was frustrated that this was never explained to me when I took out the loan, and I would have never missed the payment had I been informed at the outset, or had I properly received a notice - via email or letter - letting me know when a payment would be due. 

I paid the past-due balance immediately and I set up a monthly payment plan. For over a year, I 've made monthly payments on time. On XXXX XXXX, I received a notice that XXXX. was changing its loan servicer from XXXX XXXX to Heartland XXXX, and the notice said I was required to create a new account with Heartland XXXX and set up payments through that company. I followed the directions, but Heartland XXXX has not provided me with regular notices of when a payment is due. As a result, I missed one payment, and that impacted my credit score. Heartland XXXX also charges a debit card processing fee that is 3.95 % of my payment amount, plus {$1.00}, for using a debit card to make one-time payments. I believe that is unfair and violates usury laws. 

I 've been extremely frustrated with the way the loan servicers and XXXX. XXXX have handled this particular loan. Since my other student loans are held by XXXX, I 've seen there are better ways to inform borrowers of the terms of their loans and when payments are due. Their poor business practices have repeatedly caused me unnecessary emotional distress, they have unfairly impacted my XXXX XXXX and they have unfairly charged fees for processing payments. 

I have copies of all of my email communications with XXXX XXXXXXXX, XXXX and Heartland XXXX and can provide them if requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to add a permanent credit freeze on XXXX, 2017 at  XXXX. 
Experian instructed me to pay {$10.00} to remove a temporary credit freeze, and then pay another {$10.00} to add a permanent freeze. I should have only been charged for adding a permanent credit freeze. The online selection for a credit freeze should be a one payment selection.
Product: Checking or savings account

I opened my account online, i deposited my XXXX  XXXX XXXX funds which were sent to me in cashier checks. My TD Bank accepted the checks via mobile app. With everything that is going on with the Corona virus. I am minimizing my outings. I thought everything was fine. Next couple of days I couldn't log into my account via mobile app. I called they stated my account was under investigation. This was a normal procedure due to the amounts of my cashier check. I was told I had to go into a branch and verify myself which i did on Saturday XX/XX/XXXX at XXXX. I was there till XXXX closing time waiting for customer service rep over the phone to talk to the representative at the branch to verify me. I showed my ID and was told my funds in my saving account would still be on hold till XX/XX/2020. Today is XX/XX/2020. I am now locked out of my checking account and told to come into another branch to verify myself. The location that i went to is closed and only doing drive through transactions. I have health issues, I am working from home and home schooling. It took me a whole day to talk to three representatives and nothing for me was done. Due to all that is going on with this Corona virus I am not able to go out risking my health to get access to my funds. My bills are past due because of this.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/20 I sent correspondence to LexisNexis stating that I was a victim of identity theft ( XXXXXXXX XXXX  ) The letter was sent certified mail return receipt with tracking # XXXX, and was in LexisNexis possession as of XX/XX/20 ( XXXX XXXX ). 
The letter explained to LexisNexis that I am a victim of identity theft, and that the inaccurate addresses listed in my consumer report should be blocked pursuant to section 605B of FCRA. 
This letter also contained the following enclosures : Proof of identity, A copy of my relevant sections of LexisNexis report with fraudulent items circled, FTC Identity Theft Reports, Police Reports, Identity Theft Affidavits, Fair Credit Reporting Act Section 605B, A copy of the law : FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), A copy of Businesses Must Provide Victims and Law Enforcement with Transaction Records Relating to Identity Theft, Notice to Furnishers This matter is NOT a dispute under the provisions of FCRA 611, and is a block under the provisions of FCRA 605B As required by FCRA 605B ( 15 U.S.C. 1681c-2 ) LexisNexis is required to block the reporting of any information in my consumer credit file that I have identified as resulting from identity theft, not later than four business days after receiving ( 1 ) appropriate proof of identity, ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Despite the FCRA 's requirement, LexisNexis has failed to block the reporting of fraudulent information and is relying instead on the same verification procedures it uses for common disputes. 
Again, my records indicate that LexisNexis was in receipt of this request on XX/XX/20. The 4-day deadline required by section 605B for blocking the fraudulent information has passed as of XX/XX/20.
Product: Mortgage

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I called in and made my payments to you when I received my statements. I got a confirmation that the payment was received. I never got any phone calls or notices that the payment was not received for any reason. This is inaccurate and not my fault. I need you to immediately remove this false late pay from my credit or I will get an attorney involved.