23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX and XXXX are reporting in accurate information on my credit report. This is a formal complaint that they are reporting in accurate and incomplete information on my credit report. The notation of the following late payments is in accurate. Please reach out and verify that all for this account is reporting accurately, including everything. Late fees and date and balances whether reported or not. XXXX XXXX XXXX. I respectfully request to be provided with proof of this alleged items specifically not proof that those payments were in fact late by the provisions of the consumer protection laws. I demanded it failed to do so liking proof of these payments being late please update my panel to late and supply a corrected credit profile to the creditors who have requested a copy of my credit report in the last XXXX months. I also request original contract payment history with the original creditor with my signature on it XXXX XXXX XXXX I am also requesting the description of the procedure used to determine the accuracy of this information. I have read that this must be provided within 15 days. Ive also read that under federal law you have 30 days to complete your investigation. XXXX XXXX XXXX XXXX understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter or you must remove the incorrect information. XXXX XXXX. A consumer reporting agency shall block the reporting of any information in the foul of a consumer that the consumer identifies as information that resulted as a large identity theft no later than XXXX business days after the date of receipt. You are in violation of this law because I am a victim of identity theft please delete these items immediately. Please send me an updated copy of my credit report at the above address. I also need any addresses and phone numbers removed off my credit report other than the address and phone number I provided. XXXX XXXX code XXXX in, also known as the Fair Credit Reporting Act Covers civil liability for willful noncompliance with consumer credit reporting agencies. It states that any person who intentionally. fails to comply with a requirement under the sub chapter in relations to a consumer is liable to that consumer. This liability includes actual damages sustained by the customer. Punitive damage as the court XXXX allow. Or cost of the action together with reasonable attorney fees. Last but definitely not least XXXX code XXXX states that we the consumers are the creditors. Thank you so much for your prompt attention time and help in this manner.
Product: Mortgage

Veterans United raised my income {$1000.00} to qualify me for the loan. They had my bank statements, Im a fixed income. It doesnt change. 
Veterans United, Real estate agent, listing agent, appraiser, and title company pushed this loan through with one deed, one parcel. Knowing the VA doesnt back loans with acreage. .76 acres instead of over 8. After closing I was informed it was an honest mistake the seller produced the 2 other deeds. That I was to now come pick them up take to tax assessors office have them now combined and have the property assessed! I didnt sign a contract that stated any of this! 
They learned to bypass the red tape! It should not have ever even got to that point. I didnt qualify for the loan! 
How did I close on my loan with only {$160000.00} homeowners insurance? When my loan is {$260000.00}? This is why the VA doesnt back single family residence with acreage. So, when my home burnt down XX/XX/, 2022 I was under insured. I went off the parcel number I was given the tax assessor when I got my insurance. So, now my home was a total loss but theres still {$98000.00} left on the loan. I asked if it could be modified? Nope because Im not occupying the home. I cant rebuild! I cant take the stress!! And I cant afford this loan because these people were greedy!! Im a XXXX XXXX XXXX XXXX XXXX veteran!! Why did this happen to me? 
XXXX XXXX XXXX XXXX Veterans United home loans XXXXXXXX XXXX Veterans United sold this mess to XXXX XXXX! 
If I were XXXX or the VA Id be upset!!
Product: Debt collection

After looking over my credit reports. I realize that this company American Student Assistance is reporting this debt on my credit report. This debt is defaming my character, ruining my life, ruining my credit profile, they are harrassing me which is a violation according 15 USC 1692 a.b.c.d. I have attached my SSC AND ID
Product: Student loan

I have XXXX loans serviced by ACS Education Services -- a Perkins loan and an institutional loan. I am enrolled in the automatic ACH auto-debit program, a program which, as I understand it, is designed to assist in and ensure the timely collection of monthly payments. ACS has informed me that because I am enrolled in the ACH program, it is unable to generate monthly billing statements for my account -- either to be mailed directly to my billing address or posted on my secure online account -- prior to automatically deducting funds from my account. Such a policy prevents me from maintaining accurate and complete records and otherwise makes it difficult for me to manage my account and get timely information about my loan repayment. If ACS intends to automatically collect money from me each and every month, then at minimum, it should be required to provide me with a monthly billing statement without requiring me to un-enroll from the ACH program ( a program which is mutually beneficial to both the borrower and the loan servicer ). I further note that my other federal loans servicers besides ACS, namely XXXX and XXXX XXXX, are able to provide me with a monthly billing statement ( on their secure online portals ) without requiring me to un-enroll from their automatic debit programs. I am perplexed why ACS is thus unable to do so when other loan servicers do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has failed to respond to the fact that they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I demand DELETION of this derogatory account from my credit file ( s ) with any or all credit agencies ( XXXX, XXXX, XXXX ). As this company has violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now REMOVE the item they are currently reporting. Any other action ( or in-action ) on their behalf will result in a small claims action against their company.
Product: Credit card or prepaid card

I was told that my payment card should have been done in the onboarding process, and it was not. 
Between XX/XX/XXXX XXXX, XXXX, I contacted the area handling the card issuance, and I was told that my information had never been sent to them by Conduent, who referred me to HR. When I asked for HR Contact info for this, My Trainers manager had my trainer tell me that my first paycheck would be a paper check then I would receive the Pay Card the following week. The XXXX XXXX has never shown up at all. Paydays were XX/XX/2022, XX/XX/2022, and XX/XX/2022. 
The XXXX XXXX by Conduent is an outright lie by the company. 
After filing many complaints with Federal Agencies, I finally received paperwork for the cancellation of a check Due XX/XX/2022, and I sent that back as per request. 
It is now XX/XX/2022, and I still have not received my pay card or paycheck due XX/XX/2022. 
If Conduent has no regard for Federal Employment Law, what keeps them from picking and choosing which federal laws to follow and which to ignore in working Fraud and Fraud Prevention on the Government Contracts they have? Such as Reg E or any other Federal Law concerning their Government Contracts?
Product: Checking or savings account

Chime bank tried to close down my account. It says its closed. They still owe me money.
Product: Checking or savings account

I filed a complained with CFPB on XXXX my TD bank about missing fund in the a mount of {$2100.00}. I got a result back that it never happen, but I want them to look back on XX/XX/year>. 
Complained id # XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

XXXX has been pursuing debt collection activity that they alleged was transferred from Bank of America, Loan XXXX. 

The loan XXXX transferred from Bank of America had a zero balance. 

On XXXX XXXX, XXXX, XXXX indicated the loan was past due and in default of {$80000.00}. 


On XXXX XXXX, XXXX, XXXX 's statement indicated the loan is {$100000.00}. 


Here 's a timeline of the controverting issues on the Loan XXXX XXXX is pursuing debt collection activity : 1. On XXXX XXXX, XXXX Defaulted loan in the amount of {$80000.00}, past due since XXXX XXXX 2. On XXXX XXXX, XXXX, XXXX sent me a letter stating they were abandoning the acceleration of the maturity of the indebtedness. 

3. On XXXX XXXX, XXXX, XXXX Mortgage Loan statement indicated there 's a balance past due of {$100000.00}. 

4. On XXXX XXXX, XXXX, XXXX reported the following to XXXX Bal. Due XXXX Amt past due XXXX Actual payment XXXX 5. On XXXX XXXX, XXXX, XXXX Credit Report indicated the following : 1. Account Status Closed 2. Payment Status Foreclosure proceeding started 3. Status update XXXX XXXX, XXXX 4. Past Due amount {$110000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to the Bureau to remove this issue on my credit report since XXXX XXXX, XXXX on several different occasions up until now XXXX XXXX, XXXX. The debt was paid and taken care of. XXXX bank/ Midland finical LLC promised me that account will be removed and deleted from credit reporting in favor to me paying amount. The negative account is affecting my score and causing hardship on my journey to purchasing a new home for my family.
Product: Debt collection

RE : Account # XXXX AND Account # XXXX. According to the documents you provided, these alleged debts have reached the statute of limitations. You did not provide any proof to contradict this statement that these alledged debts have reach the statute of limitations in your response to my CFPB complaint XXXX on XX/XX/2022. If these alledged debts are reported to any credit reporting agency they must be removed immediately. Should you report these alledged time barred debt to any credit reporting agency after today, XX/XX/2022, I will file a lawsuit against you with a consumer protection attorney. Do not attempt to contact me or anyone I know regarding these alledged time barred debts. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted the FTC report to you and you removed the item but its back on my report. Please review your records. # FTC XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have asked for 2 of credit cards that I need removed from my account XXXX and XXXX. They are refusing to remove the cards since there is an open balance. I have asked to revoke ach access and they refuse to do that as well. They continue to attempt charges on my cards. I have emailed several times and they refuse. This has caused extreme stress. I have fraidekdnt charged on those 2 cards and every time this company charged my account it freezes my bank account. Im not sure why they are not revoking access to my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are showing a {$1600.00} balance from XXXX XXXX XXXX owed to XXXX XXXX in the public records section. The filing dates listed on the record vary between bureaus. Equifax lists the filing date as XXXX XXXX, 2014 while XXXX lists the filing date as XXXX XXXX, 2014. <P/>Aside from the varying dates listed, I do not understand why this judgment is showing up in its current state. Under O.C.G.A. 44-7-52., : ( a ) Except as provided in subsection ( c ) of this Code section, in an action for nonpayment of rent, the tenant shall be allowed to tender to the landlord, within seven days of the day the tenant was served with the summons pursuant to Code Section 44-7-51, all rents allegedly owed plus the cost of the dispossessory warrant. *Such a tender shall be a complete defense to the action ; * provided, however, that a landlord is required to accept such a tender from any individual tenant after the issuance of a dispossessory summons only once in any 12 month period. <P/>In this case, my former landlord did file a dispossessory against me, but it never proceeded to eviction. After our court appearance, the landlord and I actually made amends. He would corroborate this information. <P/>My landlord agreed to let me out of my lease, I tendered the outstanding rent + court costs, and even ended up receiving a check *back* from the landlord from the deposit I paid before moving in. I also believe his new tenants moved in the day after I was gone. In fact, a few months later we met again regarding me doing some XXXX and XXXX XXXX work for one of his other companies ( XXXX XXXX XXXX ). <P/>Judging by the appearance of this record on my credit reports, it looks like I skipped out on paying my landlord which is not the case. On the reports, there are XXXX bullets for which nothing is listed. Those are : Date Verified Status Date Satisfied I am sure the bureaus scoring algorithm is proprietary, but my credit scores are not my main concern. Due to the blanks next to the aforementioned bullets, the appearance to potential future *employers*, landlords, creditors, or lenders is that this debt was never paid.
Product: Debt collection

Dear Southwest Credit Systems, I am writing to formally dispute the validity of the debt you are currently attempting to collect, associated with the account [ Account Number ]. I demand proper validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

1. Proof of Debt Ownership : I request conclusive evidence establishing Southwest Credit Systems legal ownership of this debt, including the original contract between myself and the original creditor, not a mere copy. Please provide documentation demonstrating your right to collect on this alleged debt.

2. Consent for Third-Party Disclosure : I have not authorized the original creditor to sell or disclose my personal information to third parties. Clarify the legal basis upon which Southwest Credit Systems obtained this information when acquiring the debt. 
3. Compliance with Georgia State Laws : Furnish documentation proving Southwest Credit Systems legal authority to collect debts in the state of Georgia. Include references to relevant state and federal laws that authorize and regulate such collection activities. 
4. Full Accounting Ledger : Provide a comprehensive accounting ledger illustrating the total amount claimed, delineated by principal, interest, and any legitimate fees. Include details of any payments made on the account.

5. Detailed Payment History : Supply a detailed payment history, specifying the application of payments and any charges incurred. This information is essential for a thorough examination of the alleged debt.

6. Alleged Collections Fees : Challenge the legality of the {$500.00} collections fees purportedly added to the debt. Clarify the basis for these charges and provide documentation supporting their imposition.

Furthermore, I assert my rights under the FDCPA to request that Southwest Credit Systems validate this debt within 30 days from the receipt of this letter. Failure to comply will result in legal action. 

I also demand the immediate removal of this debt from my credit report and an immediate cessation of all debt collection attempts. I want to emphasize that pursuing a remedy through the courts can be a lengthy and expensive process for both parties. It is in our mutual interest to resolve this matter amicably and promptly. 

This correspondence serves as an official notice of my dispute, request for validation, and demand for removal under the FDCPA. I expect your prompt and diligent attention to this matter.
Product: Debt collection

On XX/XX/2019, a " Notice of Delinquent XXXX  Account '' letter was sent to me by Linebarger, Goggan, Blair & Sampson, LLC, claiming that I owe {$79.00} to the New York State XXXX XXXX. On XX/XX/2019, I sent a letter to the above named firm disputing the debt and requesting that they provide me with verification documents. 
I moved out of NY state in XX/XX/XXXX, so I have substantial reason to question the validity of the claim made. 
The firm did not reply to my request for verification. Instead, they send on XX/XX/2019, a " Second Notice ''. Both Federal and State ( NY ) law require that the collection activity stop once a request for verification has been submitted and remain in abeyance until such verification has been provided. This firm has violated those statutes and has not provided any such verification in reply to my request and is continuing the collection process.
Product: Money transfer, virtual currency, or money service

On several occasions CashApp blocked me from accessing funds. I was unable to contact anyone as there was no live chat or phone number to call.

I then was able to reach someone at one point, when my account had been hacked. I had to provide all of my personal information, but the funds i had in my account were already gone and they said there was nothing they could do about that. 

Whom ever hacked my account was able to change not only my log in information, but my phone number, email, and had access to my banking information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I purchased a vehicle from XXXX which was all the way at the time. It was a used XXXX XXXX XXXX financed through XXXX. In XXXX, The vehicle was repossessed. Although I have contacted Equifax and disputed information on the report they are still reporting XXXX in the full balance as if we still have the vehicle. The vehicle was auctioned off in XXXX. The original loan was taken out in XXXX. Even if we had a vehicle why are they keeping an account on there for 11 years. And since they took the vehicle in XXXX ; and of course we were delinquent before then it still should not be reported. I am tired of fighting with Equifax and if this doesnt work I am going to look into hiring an attorney to go after both Equifax and XXXX.
Product: Checking or savings account

on XXXX I notified Robinhood about purchases made to a particular vendor with my digital Master Card issued by XXXX XXXX. I inquired about filing a dispute for purchases not received. I tried to work with the merchant directly and the merchant continued to block me from my purchases. They wanted me to agree to new terms and conditions after the purchase in order to gain access to what I paid for. I provided Robinhood with the communication between myself and the vendor including them acknowledging my XXXX XXXX which had not been used and how they deactivated my account not allowing me access. They did this all because I noticed duplicate charges from them and inquired about them to the merchant. They would not respond and therefore I took recourse in disputing the purchases I made to this merchant as I do not have these purchases that I made. 

On XXXX I received notification from the merchant that they received the chargebacks. 

On XXXX I forward more communication to Robinhood confirming my XXXX XXXX with this merchant and how they had deactivated my account. 

On XXXX I received an automated message from Robinhood " Our processor investigated your claim and did not find sufficient evidence to conclude that an error occurred in your Spending Account because we are not responsible for the delivery, quality, safety, legality, or any other aspect of goods and services that you purchase from others with your Card. '' I feel they are using the term Spending Account to get around doing their job because I used a Master Card to pay this merchant. 

If I do not have access to what I purchased and I have a right to file a dispute based on me not getting my purchases, then why would I be denied and basically told I didn't have a right to dispute getting these purchases in the first place as their reason? 

I do not feel confident that my claim was filed properly or that anyone actually looked at the case. They did file the chargebacks to the merchant as the merchant notified me of such. If the merchant had compelling evidence I have a right to see that evidence and dispute it as I do not have access to these purchases as shown in the documentation I provided to Robinhood.

I have attached the repones I got from Robinhood regarding my dispute. I attached my receipts from the the merchant showing what I purchased. I also have attached proof from the merchant of them deactivating my account and confirming my XXXX XXXX I will not agree to new terms and conditions after a purchase and I question the ethics of a business that would deactivate someones account without any explanation because I inquired about duplicate charges. I bought these coins and I do not have access to these coins or the ability to use what I paid for. At his point due to how the merchant has handled my account I no longer even want them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX XXXX XXXX Services ; XXXX and XXXX XXXX, XX/XX/XXXX, Collections Acct # XXXX XXXX XXXX Equity, XX/XX/XXXX, Paid Closed Acct XXXX XXXX XXXX XXXX Simple, XX/XX/XXXX, Paid Closed Acct # XXXX XXXX XXXXXXXX, XX/XX/XXXX, Paid Closed Acct XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Repossession, {$4400.00} has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Subject : Request to Update Personal Information ASAP Dear Sir/Madam, I am writing to request an update to my personal information in your records. After reviewing my credit report, I found several inaccuracies that need correction. I kindly ask you to update the following information : Name : Current Legal Name : XXXX XXXX XXXX Also Known As ( if applicable ) : None Former Name ( XXXX ) : XXXX XXXX XXXX XXXX of Birth : Correct Date of Birth : XX/XX/year> Current Address ( es ) : Primary Address : XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Current Employer : XXXX XXXX XXXX have enclosed the necessary documents to verify the correct information, including : A copy of my driver 's license ( or passport ) showing my legal name. 
A recent utility bill or bank statement showing my current address. 
A copy of my Social Security card. 

Thank you for your attention to this matter. Should you need further information, please contact me at ( XXXX ) XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have more than one inquiry in my report from load car finacial that I do not know