23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called AES several times over the course of three weeks this month explaining to them that I want to apply a specific amount of money ( over what my minimum monthly required amount ) to principal on my second loan and second loan only. I have a consolidated loan ( sub and unsub ). I found a letter online with specific language about applying any money over the required minimum. I faxed the letter per their request and was told the next Time I called they would be ready to process my extra payment towards loan sequence XXXX only. I called a few days later and was told my letter was not specific enough. I added verbiage which instructed them that the overage was to pay down/pay off the loan and not to put it in pay ahead status. I called back a few days later and confirmed they had the letter on file and asked if I could now make my extra payment. The customer serve guy confirmed it and said it would go to loan sequence XXXX only. 
Surprise, it did n't : It was split between loan XXXX and XXXX I called yet again and was told I had to have a letter on file ( which I did ) and it needed to contain very specific language ( which it did ) but overage payments can only be sent in by check and must have a copy of that letter ( which they confirmed was sitting in my file ) every single time I made an overage payment. The supervisor said she 'd request the over payment be reapplied as it should have been and surprise it 's still split over big accounts. I ca n't make it any clearer on the phone or in written correspondence that they are not able to decide where my extra money goes. That is my decision. What options do I have in this matter. I plan to be aggressive with my payments over the next 12-16 months in order to lay the loans in full but not if they are taking my money and putting it where it benefits them. Please provide me with options in dealing with this incompetence.
Product: Credit card

I opened a Care Credit account for my XXXX with Synchrony Bank a year ago with 0 % for a year. 
Last week when I was going to pay off the balance, noticed a charged of {$80.00} on the statement, I questioned it and found out it is protection or insurance plan, which was monthly added to my account. 
I never requested and authorized such a insurance and without my permission added to my card. I was charged {$1100.00} for past year of the insurance protection, which are going to pay me back. But this kind of none sense have to stop, I found out by accident about it and XXXX know how many people are being subjected to this kind of fraud and are unaware of it.
Product: Credit reporting or other personal consumer reports

On my XXXX credit report it was multiple inquiries from JPMCP Card Bank that I have no knowledge of. The recently did ( XXXX ) inquiries and I didnt havent authorized anything. I want it the deleted off my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act there a accounts attached that have 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 consent.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I made a purchase from below link using my cashapp card in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After the purchase it said I would receive confirmation via email and never received I contacted XXXX XXXX goods customer service XX/XX/XXXX and was informed there was no order on record. Representative asked me to confirm the merchant name and I told her it was XXXX she informed me I was scammed I disputed the transaction through cashapp once the amount was no longer pending and was denied 3 days later. With no documents to support the denial as they stated the merchant show goods were received - documentation of delivery is impossible
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 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 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 60 days 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, XXXXXXXX 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 8
Product: Credit reporting or other personal consumer reports

Viewed the credit report and it shows that the XX/XX/2023 payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/2023. A payment is {$250.00} was paid on XX/XX/2023, at XXXX XXXX confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/2023, at XXXX XXXX confirmation number XXXX. Called XXXX and spoke to a supervisor at XXXX XXXX, he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. They fixed the problem and reported it current and when I checked it today they changed it back 30 days late when it was not 30 days late. If this error does not get fixed I will get my lawyer involved. On XX/XX/XXXX, it showed correctly on my credit report now in XXXX its showing incorrectly.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Dear Jefferson Capital Systems XXXX, XXXX writing in response to you reporting to XXXX and XXXX XX/XX/year> - amounted {$2100.00} because I do not believe that I owe what you say I owe. 
This is the XXXX  I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2.

If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt. 
Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law. 
XXXX XXXX XXXX, XXXX
Product: Mortgage

Rushmore states that the payoff was good until XX/XX/2018 and had it been received the sale would have been rescinded. They continually skirt these complaints with half answers. THEY PICK AND CHOOSE WHAT THEY WANT TO ANSWER!!! 

THE PAYOFF LETTER WAS MAILED TO ME ON XX/XX/2018 I DID NOT RECEIVE IT UNTIL AFTER THE SALE??? SO PLEASE INSTEAD OF AVOIDING THIS QUESTION TELL ME HOW I WAS TO PAY IT OFF IF I HAD NO FIGURES UNTIL AFTER THE SALE THE FORECLOSURE SALE DEED SAYS {$100.00} IF THE HOUSE WAS NOT SOLD FOR {$100.00} WHY DOES THE DEED SAY {$100.00} RUSHMORE CONTINUALLY IGNORES THE PROOF OF NON SERVICE WITH DOCUMENTED PROOF OF DIFFERENT ADDRESS THEY KEEP ATTACHING PROOF OF SERVICE TO INCORRECT ADDRESS THOSE ARE JUST A FEW OF THE ILLEGAL ACTIONS IN THIS FORECLOSURE CFPB IS SUPPOSED TO PROTECT THE CONSUMERS HOW DOES THAT OCCUR WHEN YOU ALLOW THEM TO JUST SKIRT ANSWERS AND NOT EXPLAIN THE REAL QUESTIONS
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Recently i did an investigation on my credit report and i found several items to be inaccurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX opened on XXXX, an auto loan account opened at XXXX XXXX on XXXX with a balance of ( {$9000.00} ), an auto loan account opened at XXXX XXXX on XXXX XXXX, a personal account opened at XXXX XXXX on XXXX XXXX a personal with XXXX XXXX on XXXX with a balance of ( {$180.00} ). A collections account opened at XXXX XXXX XXXX on XXXX with a balance of ( {$890.00} ) A collection Account opened at XXXX XXXX XXXX on XXXX with a balance of ( {$310.00} ), and a collection account opened at XXXX XXXX XXXX on XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is stating I have a 90 day late payment from XXXX of XXXX. In XXXX of XXXX I filed a deferment. I also informed XXXX that I was XXXX XXXX XXXX and that I wanted to make sure that my account was in good standing before I was going out on XXXX XXXX. XXXX told me I qualified for the income driven program and that I my bank ace a month with be XXXX. I also was informed that I would not have to make another payment until XXXX. I filled and completed the application for the income driven plan and faxed it to the XXXX. Upon checking my credit report I was o formed that I was 90 days late. Every month was on time but XXXX of XXXX. I asked to have it the late payment disputed through XXXX, XXXX, Equifax and XXXX for reporting in correct information. I also reached out to XXXX and XXXX XXXX to have the late payment disputed off my credit report.
Product: Credit reporting or other personal consumer reports

I paid for priority mail to send my letter and complaints to Experian on Friday XX/XX/2025. I received 3 email notifications from them. The first was stating my investigation was complete. Then, that my investigation was open, and about 35 minutes later, that they did not receive copies of my identity which is a flat out LIE. I sent 11 pages to them. This included a 2 pages letter, Original Police Report, FTC Identity Theft Report, California Attorney General Complaint, CFPB complaint, Drivers License, Social Security Card, Internet Bill, and Electric Bill. Experian is knowingly violating the Fair Credit Reporting Act ( FCRA ) 605B by : 1-Refusing to block fraudulent accounts despite receiving a valid FTC Identity Theft Report and police report. 
2-Falsely claiming my request was made in error or was a material misrepresentation. 
Ignoring my legal rights and launching an unauthorized reinvestigation instead of immediately blocking the fraudulent information. 

Experian responded by falsely stating that I did not provide proof of my identity, even though an FTC report and police report legally qualify under FCRA. 

They wrongfully refused my identity theft block request, claiming my request was either made in error or was a misrepresentationwithout any basis. 
Instead of blocking the fraudulent accounts as required by law, Experian illegally reinvestigated them, violating FCRA 605B. 

This situation has been incredibly stressful and overwhelming, causing me anxiety, lack of sleep, and constant worry about my credit, finances, and identity security. 
It has been expensive. I have spent time and money filing reports, mailing disputes, and trying to correct errors that Experian refuses to fix. I have been denied financial opportunities due to Experian wrongfully reporting fraudulent accounts, affecting my ability to obtain credit and financial stability. I continue to receive threatening scam calls from someone claiming to have my personal data, proving that my identity theft situation is ongoing, yet Experian refuses to act.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act Jefferson Capital System, has violated my rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo0 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist 15 USC 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

I submitted a complaint with the CFPB XX/XX/2022. It was for the account # XXXX XXXX is falsely reporting I requested it to be removed.Equifax did remove the account as it should have been. I didn't receive a written or email response from Equifax. I'm requesting to receive investigation results of removal of the falsely reporting account in writing.
Product: Credit reporting or other personal consumer reports

I noticed I was receiving numerous unauthorized inquiries from XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX on my credit report, I have never given these companies authorization to run my credit, and they have been doing it almost monthly since XXXX of 2022, I have reached out to the companies and the credit bureaus about this and have not received any response.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, I sent a certified letter to Lendmark Financial Services, LLC, requesting a settlement of disputed loan balances for two accounts : a XXXX XXXX XXXX loan and a XXXX XXXX XXXX loan. The letter detailed violations of Georgia usury laws and federal fair credit standards, demanding debt dismissal, compensation for financial harm, and proof of a properly recorded XXXX for the XXXX loan. Despite receiving my letter ( tracking receipt attached ), Lendmark has failed to respond. 

Instead, Lendmark continues aggressive collection attempts, including phone calls and credit reporting, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The XXXX loan imposes a 128.3 % interest rate, exceeding legal caps under Georgia law, rendering the loan potentially unenforceable. 

Lendmarks actions have caused financial hardship, as the negative credit reporting has hindered my ability to secure a mortgage. Their lack of response to the settlement demand and continued predatory practices warrant CFPB investigation and enforcement. 

-- - Feel free to adapt this submission further or include specific details of collection attempts if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$360.00}
Product: Credit reporting or other personal consumer reports

I have accounts reporting on my credit due to fraud, I did not open these accounts, I had a nurse taking care of me due to hippa reasons and was tooken advantage of due to her getting a hold of my information, I gave no one permission to open anything in my name and will like them to be removed please
Product: Debt collection

In 2017 I had endured a unavoidable eviction. The apartment complex at that time was called XXXX XXXX XXXX in XXXX Texas. I was only making {$1100.00} dollars per month income and the rent was $ XXXX/mth. They rented to me anyways. On my last 2 months of my lease I became behind on my rent and unavoidable eviction. The courts issued a notice and my final balance was {$1700.00}. This is documented in the XXXX Texas municipal eviction court and through the apartment complex. I delayed in immediate repayment due to unavoidable circumstances ( homelessness ) and was sent to collections through a company called IQDATA. I called them and made payment arrangements and was able to pay {$500.00} of the {$1700.00} amount due by the courts but was cut short of completion because I found additional housing and my rent was {$900.00} per month. I tried for 5 years to start payment to IQData until I noticed that my balance went from {$1400.00} dollars to {$4000.00} because they said I owed them back pay. I tried to repay apartment complex directly but needed the adjustment of the {$400.00} applied to the balance due and IQDATA refused to release the correct payment information to the apartment complex until I paid the full {$4000.00}. I tried legal aid and they said they couldn't help. I have suffered long enough. I need your help. IQData won't work with me at all until the full {$4000.00} is paid. The XXXX XXXX XXXX won't help me either and have hung up in my face about 7 times now because they say I am annoying them and they don't care. My actual amount due is {$1300.00} and XXXX XXXX XXXX still wants the full {$1700.00} and I've already paid {$400.00} of it to IQData and IQData refuses to pay XXXX XXXX the money I paid into my debt and won't call XXXX XXXX XXXX back to confirm until I pay them {$4000.00} in full. I have been abused enough. How can you help me. I have been homeless for 6 years now and I'm seriously considering suicide. Please help me. If you can't help me resolve this situation or have it completely deleted from my file for pain and suffering, don't bother to contact me or call with anymore I'm sorrys or there's nothing you can do. Just don't call and throw out this file. I can't take another NO IM SORRY WE CANT. 

XXXX XXXX XXXX