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

I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX XXXX I am including it again.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 CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance XXXX XXXX ; XXXX XXXXXXXX Balance : XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX, XXXX on X/XX/2017 and XX/XX/XXXX in regards to the negative information reported on my credit reports. Upon reviewing a copy of my credit reports I see various entries listing inaccurate Account Status ( Closed ), Payment status [ Debt included in or discharged through bankruptcy chapter XXXX,XXXX, or XXXX ] and balance. I 've asked the 3 credit bureaus to validate this information with Fedloan Servicing and provide me with documentation associated with this account. I requested that the data be immediately deleted from my credit files that are maintained under my Social Security Number. I specifically stated that I do not consent to XXXX or any other means of automated verification to all 3 credit bureaus. Which they have ignored.
Product: Debt collection

XXXX XXXX continues to say I owe them from over 2 years ago and they have been sending my info to various collection agencies and i have disputed them. When I pulled up my credit report I saw I had a collection agency, Credit Management LP, stating I owe collections on behalf of XXXX XXXX. 
I disputed this and it was removed from my credit report ; however it is now back and being reported to all three credit agencies. I contacted them on their website on XX/XX/2023 to dispute the debt and I asked to verify this debt and amount and asked them for an invoice statement from XXXX communication or a bill from XXXX showing the amount I owe and for what? Was it for their equipment? Or their internet/tv services? Etc. ( I have not used XXXX XXXX for years and do not recall owing them any money. And I have contacted XXXX about this ; however they state they cant see what I owe the money for because its been years and my account is locked and I need to call the collection agency, which makes no sense to me. ) Credit Management LP sent me a letter dated XX/XX/2023 stating they previously validated this with XXXX XXXX and their records, so I am responsible for the amount reference. They stated that since I did not provide any new evidence, they consider this outstanding balance valid and owing. In their letter, they also said they now consider this a frivolous dispute, and will not respond further, unless new information is provided. However they never provided me any information that I requested regarding a bill or statement that shows the amount that I owe from XXXX XXXX. I receive another letter from Credit Management LP dated XX/XX/2023 stating I owe them {$500.00} for XXXX XXXX but theyve also added on their own charges which they stated as fees of {$120.00}. The federal debt collections practice acts prevents them from being able to charge me fees, which they did in this case. 
They have not provided me any documentation that I asked for which is against my rights based on the federal debt collection practices act, and they have also added a fee, which is also against the protection act. This has not only caused me anxiety and stress, but due to my credit score being affected by this debt collector reporting this to all three credit agencies, now it has also affected my ability to get a car loan. 
They have blatantly said they will not respond to me any further without new information, violated my rights and the law by adding a fee, and have violated my right of requesting proof, like a bill or statement from XXXX XXXX by not furnishing any of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  for the past several months has not been posting my payments with my Capital One Credit Card. My payment history with my Capital One Credit card is always XXXX or XXXX months behind which is affecting my credit score. This is XX/XX/2021 and I don't see my payments for XXXX, XXXX, and XX/XX/2021 posted on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit bureau has One ( 1 ) open account being reported with inaccurate balance. The balance should be XXXX notXXXX. XXXX credit bureau has refuse to correct the inaccurate information they are reporting. Enclose you will find documents to support my claim. The document clearly states the 1open account but wrong balance.
Product: Debt collection

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX.
Product: Student loan

On XX/XX/XXXX I spoke with XXXX who helps with making loan decisions such as forbearance loans, payment plans and etc. I was trying to express to him the issues I was having since the pandemic and how I can't get a job but he put me on MUTE. After about 10 mins, he never returned so instead of hanging up on me I figured out that he wanted me to hang up. 

so I hung up and called back and spoke with another person and I forgot their name but it was unsuccessful. 

I been having a hard time getting a job since the pandemic started. Any opportunities I received were gone due to the pandemic. I can't speak for anyone else I can only speak for myself. 

I offered to show proof that I am actively looking and to give them proof of all of the decline emails that I receive weekly and that didn't matter. 

I told them I can pay {$50.00} a month and they refused that as well. They said that's too low, If I known they were going to be like this - I would have never borrowed from them in the first place. 

They told me that I exhausted all of my options and that they need at least 6 months of payments for me to be eligible for anything that they offer. That makes absolutely no sense at all! How am I going to pay if I do not have a job. I already told them that I do not have anyone to borrow from. 

This company acts like they didn't know we were just in a pandemic. The reason why I can't get a job because I do not have recent experience. These companies want you to have recent experience but how could we? We were in a pandemic for 2 years!!! Everyone was scared to catch Covid! No one wanted to hire new people. Every company you was going to hire me decided to just promote within because its safer than bringing in a new employee. I have proof of that too. But they don't care I don't come from a privileged family - I don't have the option to borrow and pay someone back. And they are aware of this. They know that I can't make payments right now but they do not care. 

I was trying to work with them, come to some resolution but they refuse to help me. I am hoping to get assistance with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violated my Privacy Rights as a Veteran without my permission. Also spoke about my personal identity when there are laws against not protecting my name, address, and reporting false errors hurting my good name and FCRA. 
Equifax was hacked several years ago and just violated a few of my Privacy rights without even contacting me. 
Equifax had a chance to prove to me why they kept unknown collection accounts in my credit report. The last four years Equifax hasn't responded five times to my disputes. I mailed another dispute a week ago to Equifax I decided to file this complaint because they won't report my findings of errors as a Veteran. 
This has hurt my borrowing other monies and lost out on homes because I didn't meet score requirements because Equifax refused to remove errors while violating my Privacy Rights, electronic communications, non disclosure statues, user authentication rights, OMB Guidance on Computer Cookies, and Government Paper Work Elimination Act as a VA Privacy Policy and it's hurt me as a Veteran and consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau last XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$290.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00}
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA XXXX, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX  business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed seeing no change was made to correct the erroneous reporting done by the following accounts on my Credit File. Again, I was a victim of identity theft. I have been sending dispute letters to the Credit Bureaus requesting that they delete the disputed items from my Credit File. The letter I sent last XX/XX/XXXX was my third request already to block or remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any account not later than 4 business days after the XX/XX/XXXX. Ive already included this report in a previous complaints & I am including it again. Also, the information that some Credit Bureau provided on account is UNKNOWN to me and REMOVED from other bureaus and I have doubts in the accuracy they report on my Credit file. I need the following accounts removed now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This complaint is to notify the Credit Bureaus that if they do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit reporting agencies accountable for their willful noncompliance. This will be my FINAL WARNING. Please BLOCK AND REMOVED the ACCOUNTS resulting from the identity theft.
Product: Credit card or prepaid card

On XX/XX/2019 I checked my credit report to come to find that I had a hard inquiry from a card that I never applied for, I called them and was directed to an automated messaging system where I put my social security number in and it pulled up an account saying that I had a credit of a certain amount of money the next day I called the company and got someone on the phone where I was told that there was no account under my social security number but it's showing on my credit report as well as when I got through the automated messaging system! I have called the company told them the problem and they told me there wasn't anything they could do about it! The hard inquiry was from XX/XX/2019, from synchrony Bank / airlines
Product: Vehicle loan or lease

I applied for a loan with chase bank and was denied an extension of my crredit when I already provided my ssn which was ran and used but no loan was given to me for the use of my trust. I received no benefits for the use of my information and was denied an extension of my credit to purchase an vehicle. Im askin that I be given the full {$10000.00} that I requested as my extension/ loan thank you.
Product: Credit reporting or other personal consumer reports

Letter to Capital XXXX XXXX XXXX ( XXXX XXXX ) XXXX ole XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Re : Account Number [ XXXX ] Request for Pay-for-Delete & Goodwill Adjustment under FCRA To Whom It May Concern, I hope this letter finds you well. I am writing to respectfully request a pay-for-delete arrangement or a goodwill adjustment for the late payments that have been reported on my credit file in connection with the above-referenced account. Due to temporary financial difficulties, I was unable to meet my payment obligations during the relevant period. However, I am now in a position to resolve this matter fully.

In accordance with Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I recognize your obligation to report accurate information to the credit bureaus. Nevertheless, the law also allows creditors the discretion to update or remove negative reporting, even if the information was accurate at the time it was reported. As such, I kindly request that you consider removing the late payments from my credit report as a goodwill adjustment, given my history as a loyal customer and my current willingness to pay the balance in full or agree to a payment plan.

Furthermore, Section 623 ( a ) ( 7 ) of the FCRA outlines your ability to notify the consumer ( myself ) if negative credit information is being reported. However, nothing in the statute prohibits your ability to assist a customer by removing such information as a measure of goodwill. This is particularly relevant in cases where the customer is working in good faith to resolve the balance.

As an expression of my commitment to resolving this matter, I am prepared to pay the balance in full or negotiate a mutually beneficial payment plan. In exchange, I request that you remove the late payments from my credit report with the credit bureaus ( XXXX, XXXX, and XXXX ). This would not only help improve my credit standing but also demonstrate XXXX XXXX  or Bridgecrests dedication to positive customer relationships. 

I believe that this arrangement is in both our best interests, and I look forward to your favorable response. Please let me know how we can proceed to resolve this matter efficiently. 

Thank you for your time and consideration.
Product: Debt collection

This company has been continually calling my house and I do not owe any money to them. Someone will call now and just breathe or not say anything on the phone. I told them two years ago to stop calling. I had a XXXX and my medical bills were paid through insurance, so I want the daily calls to stop. They have called everyday for two years. The company 's name is receivable solutions.
Product: Checking or savings account

- In the first semester of 2024 ( around XXXX ), I tried logging into my Marcus account and got a message that my account was temporarily locked out. It still pops this message if try logging in. 
- I called them and they said they had closed my account. They did not provide any explanation as to why they did this and said this was foreseen in the contract. 
- I then demanded my money back. I have over XXXX XXXX dollars deposited into their savings accounts. 
- The attendant first said I would have to wait for the next seven working days at home for a check to be sent. I work, and that was a totally unreasonable ask. Still, I asked the front desk of my building to keep an eye on it. 
- No check ever came. I called several times and in every one of them, they failed to provide me with date to when they would send my money back. 
- I am still waiting on my money and if I call, they will not solve my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : 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: Mortgage

On XX/XX/2022, I called to pay the escrow shortage on my account with Loancare, the loan servicer for XXXX mortgage company. I spoke with XXXX about my efforts to make the payment online last year at the end of XXXX. The website froze repeatedly and I input the information probably XXXX times. The company TOOK {$30.00} from our overage for what they called insufficient funds. I learned that the system deleted a number from the checking account. Many customers reported the malfunction and they eventually admitted a system error. The {$30.00} fee was waved for everyone except me. They had taken my money and my many calls & online complaint was ignored. I was told that they can't give any money back, once they have it. I was told that they can't correct it or credit my account. I just read RESPA, Section 6 which states that a mortgage service is responsible for correcting any errors. This company has made me resentful of their lack of integrity and decency. They owe me {$30.00}.
Product: Money transfer, virtual currency, or money service

Binance.us arbitrarily deactivated my account and I am not sure if any funds remain in it -- I have a times had six figure balances there, so I need to get it to verify the value of my account and get any remaining funds out. Second, I need my transaction data so I can do my taxes. This company is a fraud, others have had this happen to and there is no one to contact. They are ripping off consumers. Please help, I only need access to verify my funds are cleared out and to get my transactions for taxes. Thanks, XXXX XXXX XXXX is the email chain with Binance, I have tried before and they just go silent and never respond ( note newest message on top, original message at end ) I wrote : XXXX XXXX, 2022, XXXX PDT Filing a complaint against Binance.us with the Consumer Financial Protection Bureau ( CFPB ). I expect a response to this matter and to gain access to my account to get transaction data and verify no remaining funds. Binance.us is committing financial fraud. 

No Response from Binance I wrote : XXXX XXXX, 2022, XXXX PDT I need my transaction data, where do I get it. And how do I verify that there are no longer any holdings in my account and that Binance.us isn't just stealing my funds? 
Please advise. XXXX XXXX XXXX No Response from Binance I wrote : XXXX XXXX XXXX XXXX PDT I do not understand. I have no ability to get into my account to even check for account balances or to get my transaction data to complete my Federal and State Income taxes. You are not abiding by the law, I have rights, you have obligations. I will seek remedies and turn your over to the SEC, and the DOJ if this is not immediately resolved. XXXX XXXX Binance wrote : # #- Please type your reply above this line - # # Upon completing a review of your Binance.US account, we regret to inform you that we will no longer allow you to use Binance.USs services. 
We have closed your account due to a violation of our Terms of Use ( https : //www.binance.us/en/terms-of-use ). Our decision was based on numerous factors, including but not limited to our commitment to abiding by all Federal and State laws and regulations, as well as adherence to our own policies and procedures. Unfortunately, we can not elaborate on why we have made this decision. 

Please note you have XXXX hours to withdrawal any account balance remaining on your account. Thank you for your understanding. 
This email is a service from Binance.US. Delivered by XXXX XXXX XXXX ] I wrote : XXXX XXXX XXXX  XXXX PDT I have been locked out of my account for some time now and put in other requests to restore my credentials. I have need to trade and also need access to my transaction data for taxes. Please advise asap, I need to do my taxes. I can be reached at XXXX or XXXX. Thanks, XXXX XXXX
Product: Debt collection

Company called " Portfolio Recovery '' is calling my cell phone, but will not say who they are calling for. When I ask for the name of who they are calling they will not answer me. I have requested that they send me by mail a letter explaining this " debt '' that I am totally unaware of, and the woman gets short and says she wo n't work with me unless I give her my name. I feel she should know who she is speaking to before I release any info over a cell.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items as detailed below that are currently reporting on my consumer report that is a result of identity theft. I have never given written consent nor written instructions for the identified transactions to be reported on my consumer report. Pursuant to 15 U.S.C 1681b this company does not have a permissible purpose to report this information. I am asserting that I believed this company obtained my personal nonpublic information by way of aggravated identity theft and in accordance with 15 U.S.C. 1681c-2 they must block the reporting information that is identified as a result of identity theft no later than 4 business days after the date of receipt.

My demand to block this information is not being made in error nor is this demand being made on the basis of misrepresentation of fact. The transactions are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In addition, I demand the following inquiries be blocked and deleted as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX is also reporting addresses that I have never lived at and phone numbers that I have never had. There are also inaccurate spellings of my name that are not accurate. XXXX is required to report accurate and complete information and the below information is not 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  PLEASE SEE ATTACHMENT FOR IDENTITY THEFT REPORT AND IDENTITY THEFT AFFIDAVIT.
Product: Debt collection

An XXXX XXXX XXXX  account was opened in my name that was not opened by me. It was then sold to a credit collection agency
Product: Debt collection

The Law Office of Burr and Reid XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX have committed several of the above listed violations in the attempt to collect a debt. Continuous threatening letters were sent, some with false court papers attached. They threatened to send me to jail, garnish my wages, sue me and contacted old employers.