23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year> Login PIN : XXXX XXXX XXXX XXXX, We're XXXX -- the company hired to collect on your CheckIntoCash Personal Loan balance. This account was originated by CheckIntoCash and the current creditor is XXXX XXXX, XXXX. We're contacting you about your overdue balance of {$1500.00} for the account ending in XXXX. 

We know having debt that's past due is stressful. That's why we want to help you find a payment option you can afford. 

See My Options Check Our FAQs We'll never charge you a fee for using our payment portal. 
You can set up a payment plan or request a reduced balance at any time. 
Manage the process entirely online, no calls required. 
Have questions? Reply to this email or call us at ( XXXX ) XXXX. 

Best, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXXXX/XX/XXXXNY XXXX XXXX is a proud member of the XXXX XXXX XXXXnd an accredited member of XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is in response to my original complaint. I am including as of today current credit report status of this account.
Product: Credit reporting or other personal consumer reports

American Credit Acceptan has illegally reported information to other credit reporters as well. According to 15 U.S. Code 1681a. I did not give written consent or any consent for that matter for it to be reported to all credit bureaus. I did not sign anything knowingly or willing for my personal information to be shared with any credit bureau.This inaccurate report is very much so illegal as stated in the U.S. Code 1681a above. This needs to be resolved immediately or i will be forced to take legal action against these companies. I would kindly appreciate if this could be handled in a timely manner and appreciate your understanding.
Product: Debt collection

As XXXX put a collection on my credit reports on XX/XX/XXXX the debt was signed with speedy cash on XX/XX/XXXX and was due on XXXX XXXX, please look at timing between XX/XX/XXXX and day reported by ad astra on XX/XX/XXXX during covid. Speedy cash any other payday loan companys do not assign a debt to collection for months because they have late pay charges and ACH On bank account which they run through the bank for months before giving up on the debt, I can make speedy cash show there records to prove that in court. but let assume they did after two months, again please look at timing between XXXX of XXXX and XXXX of XXXX when this debt reported to credit bureaus, by law they are responsible to send ar leat one if not three maild notice to consumers and ask for validation of debt which at least a month to respond, first of all the address they had was not an home address it's a church address where I retrieve my mail, you can easily XXXX the address and see it 's XXXX XXXX XXXX, the church office was closed during covid 19 crisis and all mail delivery was suspended and even us postal service was delaying distribution of mail, nobody at that time was collecting debt of referring debt to collection because nation was in crisis and people ordered to stay home, and jobless, and I didn't receive no mail
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the lack of responsibility on the Credit Bureaus ' behalf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? Discontinue the stall tactics and please delete the disputed accounts reporting erroneously on my Credit Report. Upon further review of my Credit File, I immediately noted the following : a ) Charge Off account continue to report on my Credit File still indicating a balance, for all I know, Charge Off accounts report XXXX balance ; and b ) the accounts reported are already deleted from the other Credit Bureau, making me wonder why is it too difficult for the other Credit Bureaus to do the same? Under the Fair Credit Reporting Act, I am submitting this CFPB Complaint requesting that the Credit Bureaus must remove the disputed items completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

This Company did a background check on me and contacted my landlord, my mother and my job telling them they are trying to get a hold regarding this debt, I have no idea what this debt is for because they have not informed me via mail, they just keep calling me. They preformed a background check on me without my consent and bothering innocent people about this " debt ''
Product: Credit reporting or other personal consumer reports

I am writing to dispute the illegal reporting of my student loans, in violation of 15 U.S. Code 1650 ,15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1681B. This matter has come to my attention through a recent review of my credit report, in which I discovered inaccuracies that have adversely affected my credit standing.

According to federal law, creditors must provide accurate and complete information to credit reporting agencies. However, I have reason to believe that your company failed to follow these guidelines when reporting information related to my student loans. The inaccurate reporting has led to negative consequences for me, including damage to my credit score and potential obstacles in obtaining credit in the future.

I kindly request that you investigate this matter further and take the necessary steps to correct the inaccurate reporting of my student loans. I am reporting this violation to the Consumer Financial Protection Bureau ( CFPB ), as it is my right to ensure that my credit information is reported accurately and fairly.

Please provide me with a written response outlining the steps you intend to take to address this dispute within 7 days. Failure to take corrective action in a timely manner will result in further legal action on my part to protect my rights and seek appropriate remedies.

Thank you for your prompt attention to this matter. I look forward to your immediate response. 


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

I signed up for moneylion a long time ago and apparently I signed up for something that is causing my credit score to drop like crazy. I didnt even get a loan and they said I am missing payments on a loan. I tried to contact them to cancel the loan or to cancel the account and they never reached out to me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with trans union on XX/XX/2017 and it is still pending. It is with XXXX XXXXXXXX XXXX. I had sent XXXX XXXX an affidavit of fraud as well back then and they have not gotten back to me as well. I can not file any other disputes at this time because this is taking so long.
Product: Mortgage

I have a a XXXX interest only loan with NationStar. After 10 years the loan converts to a 15 year amortized loan. There are two years left in the interest only period. There are no prepayment penalties. 
I now have funds to pay down the principal by XXXX. I called NationStar and they said I could do that but simply needed to submit a recast request. I did so and received a written reply that a recast was not " available ''. When asked on the phone why not, the agent was unable to answer and unwilling to transfer me to someone who could.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir, I am XXXX years old and a Veteran. For the last several years I have paid ALL of my bills with the Bank 's ( XXXX XXXX XXXX ) " Auto Pay '' system. I have always set the Auto Pay at 2 to 3 times larger than the minimum amount of the bill. Recently I notice that one of my two bank credit cards had 5 fraud charges on it. This card has never been out of my possession. I confronted my Bank and they checked and found that all XXXX charges were frauds. They said they would retrieve my money from 4 of the 5 fraud charges. However, they told me that because I didn't spot them giving my money away for 85 days on the 5th fraud that they would not do anything about it. They said that it was their policy to not do anything about a fraud that was over 85 days old. So I changed Banks to XXXX XXXX XXXX. I paid off the balance on both credit cars from XXXX  XXXX XXXX. 
I tried to get one credit card from the new bank. They turned me down saying that Equifax had told them that I had " Multiple Seriously Delinquent Accounts '' so I contacted Equifax to see this report and got no response in a couple of weeks. So I called them and they sent a report to me in a week but two reports arrived on the same day. In the report was only one company claiming past due payments. ( $ 60+ ). This company was XXXX XXXX. I had canceled their service due to them changing my phone service several times without my approval so I talked to an attorney and he advised me to pay with a check, not a credit card, and to write on the check " Paid in Full '' after their agent at their outlet store told me the total of my bill as I cancel the service.. This $ 60+ bill was put on my account AFTER I had canceled the service and paid it in full. I have sent letters to Equifax about this and they will not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am writing the complaint on my own behalf. I am a consumer who have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) XXXX XXXX has violated my right to privacy by furnishing information about me without any lawful authority. XXXX XXXX is a also in violation of Regulation Z XXXX ( d ) ( 2 ) which states that a creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. XXXX XXXX was sent a billing error notice as well as a billing dispute. A consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. I was not given the chance to opt-out of having this reported information by XXXX XXXX and this is a violation of 15 USC 1681a ( 2 ) ( iii ) and must be removed. A consumer reporting agency needs written instructions by, I the consumer to furnish a consumer report. without written instruction consumer reporting agencies has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumers report. By definition XXXX, equifax, and XXXX has committed identity theft. This is a violation of 15 USC 1681b ( a ) ( 2 ) and the information associated with XXXX XXXX Must be removed. XXXX XXXX was also sent a cease and desist which also stated that they must cease and desist communication through any and all mediums including my consumer report. XXXX XXXX has continued to report on my consumer report as a way to extort me for money 18 usc 894 which says that the collection of extension of credit by extension is a criminal offense and any two or more parties involved with the collection of an extension of credit through extortion are involved in racketeering.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX Balance Owed : {$3000.00} US DEPT ED XXXX Balance Owed : {$2400.00} US DEPT ED XXXX Balance Owed : {$5700.00} USDOE/XXXX  XXXX US DEPT ED XXXX Balance Owed : {$590.00} DP OF EDUC XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$6200.00} XXXX  XXXX XXXX XXXX DP OF EDUC XXXX {$6200.00} DP OF EDUC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Potentially Negative show tooltip button XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXXDispute XXXX XXXXXXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX   XXXX XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXXXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dischargedDispute all ftc violations
Product: Checking or savings account

Venmo has held my money for 3 years now and still won't release it to me or let me transf er it out to my own bank I have reached out to them many times I get the same answer XXXX and it been 3 years please help me get my money
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Pursuant to 18 USC 1341 Frauds and Swindles, Pursuant to 18 USC 894 Collection of extensions of credit by extortionate means. 15 USC 6802, 15 USC 1692 ( F ) And completing a UCC 11 debtors search only to find I have no debt or liens in my name. 
XXXX, Experian and XXXX  Have collected my non public information without my expressed written consent for them to publish, present or post my transactions and experiences such as but not limited to : inaccurate addresses, collections, hard and soft inquiries, inaccurate names and phone numbers and misrepresentation of a credit sale ( XXXX  XXXX XXXX XXXX XXXX ) labeled as an Auto Loan for loan type. The malicious and fraudulent activity has slandered my creditworthiness and deemed me a high risk consumer drastically lowering my score. I have reached out to the XXXX Credit Reporting Agencies and have had little to no success with them adhering to legislation that protects my consumers rights. These are just a few of the violations that have taken place and are still ongoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

We withhold rent because of landlord 's obligation to maintain premises in violation of statute 83.51 of the state of florida and now landlord have a retaliatory conduct S83.64. The images of how the apartment was can be found in the response of XXXX XXXX VS ( names removed ), case number ( number removed ) mailed by the clerk of the court on XX/XX/2018. 

We request a motion for the judge to determine in court how much was going to be paid and cancellation of the contract for health issues related to pests and other aspects that can be read with details and see images in the lawsuit. Cancellation of the contract was requested to be made on XX/XX/2018 in addition to the return of {$2800.00}, in that money that was requested to be refund are payments that Hunter Warfield is trying to charge me in the {$3600.00} that is affecting my credit in XXXX and XXXX. In XXXX   they removed the negative mark after a complaint but I called Hunter Warfield and they refused to remove them from the rest.

The contract is canceled, the judge orders to leave the apartment the day we asked for and never pronounced in favor of the payment of the money that Hunter warfield is trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, consent, inquires. XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX, SYNCHRONY FINANCIAL Inquiry : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

no business.. 
I called several times to ph:XXXX and expected amount inside my checking account XXXX usd, nothing was like deposit since Friday XXXX until today XXXX. Teller said they can not help me, I need to travel to local branch office in XXXX, XXXX-I am in XXXX, XXXX, because I do not know the pin for my d.card:XXXX, exp.XX/XX/XXXX.I can not go walking, without car, and they refused to tell me account number by phone or to inform XXXX XXXX for info for deposit . Always advises : do this, do that, until I received in XXXX XXXX XXXX. The office in XXXX, XXXX is refusing me new opening for checking since XX/XX/XXXX.I always fixed somebody 's mistakes, last negative balance which I paid in XX/XX/XXXX was from Gold 's gym -extra charges from us bank account-4-5 times over the membership money for 2 months paid from my friend. So I fixed it.No wi am circling town-nothing is possible, she said : " go and do it on line '' but -I am answering, I am calling, because I ca n't do it, for exmpl. : if I am in XXXX, I do not need her advise to check something in us bank in XXXX XXXX, she misunderstood, last time before now XXXX. from XXXX answered. Apology! 
I am tired to be returned, to waste time, to loose money walking, no business is possible between us. On line is sounding : 'he never will send you this money, he is without money '' -so it is XXXX refusal and the end-XXXX job. I plainly paid XXXX purchase treadmill since XX/XX/XXXX and 3 weeks I can not receive my money back. The main amount XXXX usd sent from my mom, XXXX, XXXX to see me in XXXX after 14 y. I am in this XXXX XXXX.I lost more than half of the money in fees, charges, refusals, deposits cash-money in advance, holdings, delays, gas, etc. Pls, do not return customers, if possible.
Product: Vehicle loan or lease

This is my second attempt to find fair and just treatment at the end of my lease relationship with Nissan Motor Acceptance Corp. 
Not only have they improperly reported me late to the credit bureaus which dropped my credit score by XXXX points, but they claimed that my relationship with them was resolved when it is clearly not resolved. 
Though my lease with NMAC is now current, that company is still trying to bill me for issues that were caused by them and not me. This is, specifically, their inability to process video tolls in a timely fashion which caused the very small tolls ( under {$5.00} in every case ) to increase to over {$50.00} in every case, due to the penalties that were added to the tolls. These tolls were NEVER sent to me and were always sent to them for payment, as the registered owner of the vehicle,. In addition, they have charged me late payment fees with NO explanation. as I do not believe I incurred any late payment fees even though NMAC claims that I have paid late almost two years ago. 
How much additional proof does the CFPB need before they declare NMAC a predatory lending institution and fine them accordingly? 
If nothing else, please have NMAC send a letter of explanation to the credit bureaus so my FICO score will rebound and have them take the responsibility for the video toll penalties so that I can pay the actual tolls.
Product: Credit reporting, credit repair services, or other personal consumer reports

One debt collection should not exist on my report, Expired time on Bankruptcy not removed.credit reporting agency are fraud in our nation,never give us chance to rebuildwhole report is fraud & mess. So our Watch dog agencies in USAWORKING CLASS HAS NO WAY TO SURVIVE NAY MORE . I was biggest tax payer and destroyed by our fraud Govt as I blew whistle on fraud Wall Street banksters & global corporate crime.XXXX  fraud loot ponzi scheme is now $100 Billion free loot scandal and still going strong with all loot logistic support provided by our proven high Treason XXXX   Regulatory Authorities , CONGRESS/SENATE/PresidentsXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I writing this in request to Bank of America to provide me a XXXX for the following account : XXXX The status of this account is inaccurately reporting on my credit profile and I request that it is deleted. Otherwise I will have no choice, but to file a XXXX and enter litigation.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

This is a continuation to XXXX, to demonstrate that I am STILL unable to access my American Express account . This type of unexplained " technical difficulty '' has never happened with my account until I opened the complaint about the way the Plan It Plan failed to be accounted for in my Adjusted Balance. I have provided another screen recording showing the date on my phone to verify that I am still getting the same error. I do not physically have the card anymore since I closed all my accounts. I scroll up and down on the error screen to see if there is any more information, but it's ambiguous. Again, this type of error has not happened in the 10 years prior as an American Express customer until we began this complaint process regarding the Plan It Plans and Adjusted Balance.