23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I asked experienced depth of verification where the attorney general of Texas to provide me with a contract with my original signature of or XXXX test just say that I'm the XXXX XXXX
Product: Payday loan, title loan, or personal loan

Ace Cash Express has sent my non-payment to an attorney 's office and are trying to make me pay it back right away or they are filing a criminal case with the county I live in for fraud. I never committed check fraud. I gave them my banking information online when I applied and was approved for the loan, I was laid off and did n't have the money in the bank when they went to withdraw the money ( payment amount ), I did n't intentionally not have the money in the bank. I did not write them a bad check at all and I do n't want to have criminal charges filed against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all 3 credit bureaus ( XXXX, Equifax, and XXXX ) telling the, that they were in violations of my rights and that the late payments must be removed asap. But no response nor removal of late payments have been removed. I reached out to all 3 companies on XX/XX/XXXX, XXXX In accordance with the fair Credit Reporting act XXXX  Account # XXXX ( Dated XX/XX/2022 and XX/XX/2022 ), 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 1666B : A Creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : XXXX XXXX Discover Bank Account No : XXXX I have contacted Discover Bank card services several times about the incorrect reporting of the balance they show I owe. 

The outstanding debt has been paid in full, but it is still showing on my credit report with an open balance of {$370.00}. 

I sent a letter to all three credit reporting agencies with proof the debt has been settled through Discover Banks ' third-party collecting agency XXXX XXXX XXXX XXXX but as of my latest credit report, this debt is still listed as owed and does not reflect a XXXX balance. 

I have attached a copy of the communication from XXXX XXXX XXXX showing this debt has been settled.
Product: Student loan

I got a call from Allied Interstate LLC. Asking to get set up on payment plans for my Federal Student Loan. I was told that the payments I made go directly to my Student Loan. I started making payments of $ XXXX per check twice a month. As my pay scale increased over the years so did the amount that was taken out. At the highest I had {$250.00} twice a month taken out. After XXXX years of it coming out of my checking account it came to about $ XXXX {$28000.00}. I have called Allied Interstate company several times and was told that they no longer hold the account, and that they couldnt tell me the total that I had been applied to the Dept of Education. Other times I had called the phone would just ring then end the call. At one point they had a message on it saying if we had an account with them they no longer hold it and we need to contact the Dept of Education. Once I call the Dept of Education they reported to me that I had not paid a cent on the loan. I asked how could that be as I had it taken out of my checking account for XXXX years. I went on to Allied Interstate web page only to find that they are a third party which is what they told me. But I was told it was all being applied to my student loan. My loan was {$41000.00}. I paid it every 2 weeks from my payroll checking account. Dept of Ed informs me that they dont use a third party to collect student loans. This started in XXXX. Please help me get my money back from Allied Interstate Company. Thank You
Product: Credit reporting or other personal consumer reports

I disputed on XX/XX/XXXX to XXXX, XXXX and XXXX. however it's been more than 30 days and the credit bureaus failed to send my investigation back. this is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ). before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The AMERASSIST AR SOLUTION account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Product: Credit reporting or other personal consumer reports

letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to inform the Credit reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed XXXX {$2000.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I disputed the validity of my bankruptcy to XXXX, Equifax, and XXXX. All 3 bureaus in XX/XX/2020 replied that they verified my bankruptcy through a 3rd party vendor XXXX XXXX. I find that hard to believe since a security freeze was placed on my XXXX XXXX file in XX/XX/2020. There is no way the credit bureaus verified my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's credit record obtained directly from a creditor of the consumer or from 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 U.S.C. 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have previously been a victim of Identity Theft. I recently disputed an account that was originally XXXX XXXX XXXX  XXXX XXXX ... .account # XXXX ... ... this account was proven to be fraudulent and has been removed from my CREDIT REPORTS several times and they keep fraudulently putting it back. It has now been purchased by XXXX XXXX XXXX one of the slimiest collection companies/debt collectors around. But this is the SAME ACCOUNT that was proven to be fraud so the XXXX XXXX  purchased a FRAUDULENT debt and has now put in on my CREDIT REPORTS again!!! all the bureaus did was update the account they did not REMOVE IT AND DELETE permanently as it should. I really think it's time to file a LAW SUIT ... ..this grimy collection BUREAUS NEVER do their jobs and protect us the consumers.
Product: Credit card or prepaid card

I received letters dated XX/XX/XXXX from Chase Bank indicating that they have closed all of my credit card accounts because my credit report shows that I have too many new accounts. I then contacted chase over the phone to discuss the matter, and was told that I am considered too risky for the bank therefore they are terminating all of my accounts. If Chase is concerned about credit exposure, the fair course of action could be lowering the credit limit on the accounts rather than shutting them down. It is hard to understand how Chase has arrived at such conclusion as I never had a late payment throughout 8+ years of credit history, being current on my mortgage payment, extremely low debt-to-income ratio, and pay off all my credit cards on a monthly basis. How does having too many credit cards suddenly make a customer too risky when they have demonstrated perfect ability to service their accounts responsibly throughout the years?
Product: Credit reporting or other personal consumer reports

I request the removal of this account from my credit report, as it does not belong to me. Additionally, please investigate and address any remaining errors.
Product: Mortgage

My private property at XXXX XXXX XXXX was locks where changed without my permission, my private personal property where destroyed and stolen. I hold no contract with well fargo as there claims are fictions as a Promissory Note can not be sold or assumed as a Promissory Note in accordance to the 1882 Bills Of Exchange Act, which considered a Promissory Note to be the same as cash, This Debt has been paid in full to XXXX XXXX XXXX XXXX on XX/XX/2020, the debt of Exchange has been signed sealed and delivered, in private to XXXX XXXX XXXX XXXX so what Wells Fargo is doing is fraud against my Estate. It'd also not fair that the cfpb and nysag sits backs and does nothing.
Product: Mortgage

In XXXX Ocwen Loan Servicing used its cozy relationship with failing Homeward Residential and American Home Mortgage to phony up a pretender XXXX beneficiary lawsuit to rip off my home I own free and clear. In XXXX Ocwen Loan Servicing used robo-lawyer " XXXX '' who is scum of the planet, who only followed Ocwen Loan Servicing scumbags mentally sick litigation lawyers instructions, foaming out of the mouth like a bunch of XXXX freaks on steroids, committed XXXX phony lawsuit fraud which has caused me and my family serious harm during the time I was hospitalized with XXXX. Ocwen Loan Servicing / XXXX / American Home Mortgage / Homeward Residential all have slandered my title using fraud. XXXX, I retained another incompetent lawyer who filed lawsuit against Ocwen Loan Servicing. Ocwen Loan Servicing scums offered me a {$660000.00} loan modification in agreement I dismiss the pending action and keep Ocwen 's fraud cover-ups a big hush hush. At that time the trustee sale was already cancelled so I did n't submit and bend over to scum Ocwen demands, I declined the offer. I do n't owe XXXX Ocwen a single penny. XXXX I retained another incompetent lawyer who filed another lawsuit, during pending litigation Ocwen attempted to push through another XXXX fraudulent trustee sale. My incompetent lawyer appeared before the court to stop Ocwen Loan Servicing fraudulent foreclosure and its cozy buddy XXXX fraudulent trustee sale. My motion was denied because my incompetent lawyer did n't follow the rules of the court and did n't serve all the defendants properly. I fired my lawyer, then I was in pro-per repersenting myself with little money left. Ocwen Loan Servicing used my health troubles and having little money left as another weapon to take advantage of me. During the time I was representing myself in pro-per Ocwen Loan Servicing, its cozy buddy Altisource, and its XXXX lawyer " XXXX '' all took advantage of my XXXX and then increased the fraudulent loan modification offer to {$750000.00} with a higher interest rate, then made threats that if I did n't sign the final none negotiable {$750000.00} loan modification offer Ocwen Loan Servicing would instruct its buddy XXXX to proceed with the fraudulent trustee sale and I would of lost my home I own free and clear for years. I have XXXX so hard for me to fight a bunch of XXXX. I was forced to sign the fraudulent {$750000.00} loan modification offer under over the top stress fearing for little son living in the streets while Ocwen XXXX fly around in private jets, probably hanging of with XXXX best friend who owns a island and a private jet? The XXXX all need to be brought down, and they will. Recently, Ocwen Loan Servicing used robo-employee " XXXX '' only following Ocwen XXXX litigation lawyers instruction, she continues to harass me and cover up Ocwen intentional fraud against me. I do not owe Ocwen a single penny. I will be retaining attorney XXXX out of XXXX sometime around XXXX, when my Investigators all complete its final case. You Ocwen XXXX better leave me the XXXX alone!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX
Product: Debt collection

I have a police report as my identity was stolen in XXXX and I was affected by the XXXX XXXX data breach. I have residential leases ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ), evictions in XXXX XXXXXXXX XXXX XXXX credit cards XXXX personal loans, and addresses on my credit report that do not belong to me and were made without my consent. I have collections and debt from XXXX - XXXX from this identify theft situation. I also have a FTC report stating a more detailed version of this incident. I have contacted the agencies involved and disputed items on all 3 main bureaus. Some of the accounts are joint and I know for a fact that they are not involved because their identify was also stolen as well with mine. I do not know the person that broke into my vehicle to gain access to our personal information as several people were affected ( they broke into several cars in the area ) and also my emails, social security number, and personal information were affected and compromised by data breach. Our security cards, driver 's license, my passport, mail, purse, wallet, and personal devices were all stolen in the break in.
Product: Vehicle loan or lease

I bought a vehicle with XXXX XXXX XXXX XXXX and given Predatory Interest and payments on a XXXX XXXX XXXX {$650.00} XXXX XXXX with Flag ship Credit Finance. I work in XXXX  hours reduced one day week. I filed bankruptcy and the trustee dismissed my bankruptcy so that I could be harassed and preyed on my predators because I missed on Meeting of Credtors and not because my bankruptcy was abusive. But because I am a XXXX XXXX. I then began to get harass phone calls and threats from Flagship that the would XXXX XXXX XXXX XXXX XXXX  using XXXX in the XXXX. They called me and I told them I needed a week or so to come up with {$7000.00} and I could pay them {$500.00} because I just got a job. They denied my request and started calling me continuously and never sent me a letter. The judge and Trustee dismissed so that I could be harrassed. They XXXX XXXX XXXX in GA
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out three student loans in XX/XX/XXXX. After being denied a lease at an apartment due to having " 15 negative accounts '' on my credit report. I thought this was odd as I six accounts. XXXX credit reporting company has it correct, however there are three mistakes with my student loans. I took out three loans of XXXX. It seems every time my loan changed hands it created a new account and added another negative account to my report. there are also duplicate listings with the original lender listing the loans as 150+ past due. Also as I defaulted on my three loans after having my taxes taken to pay what it would I entered a loan consolidation. The loan consolidation also appears to have caused this issue but also there are new accounts for each of the account acquired for consolidation as well as the sum total consolidation account. this happened for the original consolidator as well as the current owner of the account.
Product: Credit reporting or other personal consumer reports

I request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 reported in MONTHS REPORTING 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 XXXX  days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  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: Student loan

I am wanting to apply to separate my federal Spousal  consolidation loans. I contacted my servicer requesting a forbearance while we wait for the federal government application process to be completed, but I was told there is no forbearance available. The student aid.gov website says that we should file a complaint with your office in order to obtain the forbearance and notify the government of our intent to separate the spousal consolidation loan. My husband is a XXXX XXXX and would qualify for public service forgiveness, but we can not get that while we have the consolidated spousal loans.
Product: Mortgage

I enrolled in a CARES ACT forbearance plan in XX/XX/2020. In XXXX i asked to be taken off forbearance and given the option to defer payments to the end of the loan. Upon agreeing to tbe deferment my credit score dropped 120 points. I called US Bank, my lender, and submitted requests to fix inaccurate data. 3 weeks later i received a letter stating it was reported properly. I than called all 3 credit bureaus. Each credit bureau, upon hours of digging deep into my credit found US bank did in fact report incorrectly. The supervisor of transunion his self sent my lender a escalated request to fix their reporting errors. US Bank still stated they were reporting correctly. There is no way for me to speak with the lenders credit reporting department as US Bank will not allow it. Today is XX/XX/2020 and my deferment is still not finalized, 2 months after signing the paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX, CA, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$25000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute asking Equifax to provide the method of verification of the Bankruptcy they're reporting in my name. They responded stating they verified the info by contacting XXXX XXXX. However XXXX XXXX said verbally and in my XXXX XXXX report ( Attached, XXXX ) that they do not list a bankruptcy for me. Also I called Equifax and spoke to a representative XXXX who said they received the bankruptcy info from the court house in XXXX, NY. I contacted the court house in XXXX, NY and they said in writing ( attached ) that they do not provide information to Credit Bureau Agencies.