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

I have filed a police report and supplied it to XXXX, XXXX, and Experian. I have filed my FTC identity theft report as well. They refuse to remove these accounts that are clearly Fraud!!!. I have asked these companies to validate this debt and they can not!! But when I submit it to the credit bureaus to fix it somehow comes back verified how? This timeshare account which is definitely not a mortgage keeps coming back to me when my ex-husband opened the account, not me. I have shown all 3 credit bureaus to fix this and they will not. The company has already been reported to the FTC for its shady practices but, the credit bureaus won't help me at all. They have reported this on me but not my ex-husband the person who actually open the account. These things clearly violate my rights under the FCRA. I want this gross neglect fixed ASAP. Here are the accounts in question : XXXX FOR XXXX XXXX account XXXX, XXXX XXXX XXXX Original creditors XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I want to add the police arrested the individual who did this to me as well. He was arrested in Colorado while I live in California. He not only had my information making fake driver 's licenses but he also had the information of over 50 people doing the same to them. I have supplied enough proof to show this isn't my information. I have over 100 fraud inquiries as well that they won't remove. 


I would like to add XXXX has already deleted the following account but the other 2 credit bureaus have not : XXXX XXXX XXXXT this company has lied so many times and reported wrong as well. this account actually belongs to my ex-husband as well not me!!!!!! 


My next step will be legal action against the credit bureaus and these credit furnishers if these errors are not fixed within 30 days as per my right under the FCRA 15 U.S. Code 1681o - Civil liability for negligent noncompliance Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Mortgage

I received a letter that I would have a tax shortage in XXXX. The lender indicated I could pay the shortage or have a new monthly payment amount. I returned the letter with the included slip paying the tax shortage to keep my mortgage payment about the same. What the slip said it would be. I include a photo of this document. The company XXXX XXXX decided to take my tax shortage payment and apply it to my principal. I have paid the amount indicated for my mortgage every month since XX/XX/XXXX. However since they applied this to my principal my monthly mortgage increased to cover the tax shortage. I continue to pay what it should be and they refuse to fix the problem they created by applying the tax shortage to the principle. So essentially according to them my payment is approximately {$400.00} short every month I have repeatedly called and explained this to customer service. Each time I call they say they recognize the problem and its being fixed meanwhile they keep dinging my credit score and do not fix there mistake. Managers keep telling me that my credit will be fixed once they fix the problem but they have yet to fix the problem. Each time I call a manager says they will get the problem fixed and return my phone call and they never do and I end up calling again a few days later and explaining the whole situation to several people in customer service before I get to another manager who then repeats the same process and never follows through with it. My credit score has called 120 points because of this mistake by XXXX.
Product: Debt collection

Midland credit management {$2800.00} I'd like to get verification documentation of this debt specifically a written agreement with my signature on it. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
Have been any payments or other reductions since the last billing statement from the original creditor? If so, provide an itemization showing the dates and amount of each of them. 
Have there have been any other changes or adjustments since the last billing statement from the original creditor? If so, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. 

In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 
Details about your authority to collect this debt. 
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

I have asked for this information because I have some questions. It is imperative that I hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. 

Thank you for your cooperation. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XX/XX/2022, I contacted Experian to have incorrect personal information removed. 

I stated that I knew my rights according to the Fair Credit Reporting Act that states I have the right to have incorrect deleted from my credit report. 

The agent I worked with told me that he had deleted all of my disputed incorrect information. Instead, he updated my incorrect names, which was not what was requested or what the said result was. 

Report number- XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX XXXX XXXX To whom this concern is received a car loan and I surrender the car so with that being said they auctioned the car off and left me with a balance but the people they referred me to didn't have the correct information for me. 

XXXX XXXX XXXX XXXX XXXX They was another loan place that turned me down for a car loan and it's XXXX hard hits on equifax it was XXXX ago XXXX ) Student loans are in forgiveness and still showing up on the transunion XXXX ) Child support needs adjustment the information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is giving me a hard time getting my report no live operator or options keeps hanging up or wanting sensitive over and over same questions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account numbers starting in # XXXX Is inaccurately reporting to my credit bureau Dates are wrong an incorrect for starters my credit file is taking a hit up and down daily with this companys issues in accurately reporting XXXX says closed no payments due XXXX XXXX says {$610.00} due this is all over the place and they can not show me any contracts and prove this debt Not In accordance with 15 USC 1681
Product: Credit reporting or other personal consumer reports

Complaint Summary : I am filing this complaint against XXXX XXXX XXXX for failing to remove an inaccurate late payment from my credit report despite providing clear evidence that my account was in good standing. XXXX refusal to correct this error has negatively impacted my credit score, and I am requesting CFPB intervention to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 


-- - Background : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Disputed Late Payment : Reported as 60 days late in XX/XX/XXXX On XX/XX/XXXX, I contacted XXXX regarding an inaccurately reported 60-day late payment from XX/XX/XXXX on my credit report. I provided them with multiple forms of evidence, including : A XXXX-issued confirmation of balance letter ( dated XX/XX/XXXX ), stating that my account is current and has no outstanding balance. 

Screenshots of my TransUnion report showing the incorrect late payment. 

A XXXX   file containing the full email history between myself and XXXX, including all interactions regarding this dispute. 


Despite this, XXXX has failed to correct the inaccurate reporting or provide a valid explanation.
Product: Student loan

I have tried paying my loan but I ca n't and I am two months behind on my loan and I called them to let them know about the payment peaks loan said ca n't you borrow the money from a family member
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX XXXX customer service representative.
Product: Prepaid card

I received an American Express gift card from my employer. Im unable to use to anywhere online or in person. It keeps declining. I have checked the balance and attempted to use it for half the cards value. No luck. I called AMEX and their response was use the physical card or try a different merchant. I tried both but it still keeps declining.
Product: Debt collection

Hospital billed me {$500.00} for a procedure in XXXX. I paid {$300.00} through my insurance to the hospital on XX/XX/XXXX. I paid the remaining {$200.00} through the hospital 's online payment portal on XX/XX/XXXX. In XXXX of this year I noticed that the collection agency had reported the a debt of {$200.00}. I never received a letter from this company stating that they were trying to collect a debt which is illegal under the FDCPA. I've tried contacting the billing department of the hospital as well as the collection agency. The billing department continues to say that it is being investigated. The collection agency has provided no response.
Product: Credit card or prepaid card

Tried to transfer my overpaid balance on XXXX XXXX XXXX XXXX XXXX Mastercard - XXXX to associated bank of america checking account. It's been over 10 days and had several phone calls with customer service, yet as of today ( XX/XX/1994 ) the overpaid balance is still not processed, nor is customer service able to do anything about the pending request.
Product: Credit card or prepaid card

End of XXXX I have made a payment to Barclays XXXX for {$390.00} using my bill pay with an outside bank. Since the payment appeared to meet the deadline I have called Barclays and I was informed that the payment was never received. Subsequently I then paid the whole amount of the statement plus some pending activities over the phone at around {$1200.00}. I was also advised to put a stop payment on the missing check which I did. However the company informed me that the payment was actually processed despite being told that the payment was never received resulting in {$39.00} payment denied charge. On XX/XX/29 I have made 3 phone calls with the following results : Call # 1, the CSR couldn't locate the charge stating that it doesn't exist. When I questioned whether she was properly trained to even look up the account I was put on a very long hold to verify the info and then hang up on. 
Call # 2, I called the call center and after a long hold transferred to the supervisor, XXXX. After the verification, the call was subsequently disconnected by the supervisor without warning or cause. 
Call # 3, I finally called and after undergoing a verification process transferred to the supervisor XXXX. XXXX took many notes on the account and at the end informed that that regardless if there was a " miscommunication or not '' he doesn't have an authority to remove the {$39.00} charge. 

It is obvious that Barclays XXXX is doing business this way to accrue unnecessary fees. Not only after many problems I was finally sent a paper bill which I requested for weeks, and now the company is misleading the consumers on whether the payment has been received on not. The transaction log shows that by the time I was told the payment was not received it actually was received but not processed. That's the reason I opted to pay in full while putting a stop payment on the check that should have been processed to begin with.
Product: Credit reporting or other personal consumer reports

Transunion as of XX/XX/year> continues to list my name incorrectly despite being notified. Transunions response was they sent me a copy a my credit report. I did not request the report and this action has no bearing on the inaccuracy. I would like to know why my name changed in Transunions reporting and why it is not being corrected to my current name. I have not used the surname listed for over 29 years. The sudden change to my personal information is suspicious yet I can not and have not had a response from Transunion explaining why they alone are reporting my name in this way. 
It is unacceptable. The answer provided ( providing a copy of my credit report ) does not help at all.
Product: Payday loan, title loan, personal loan, or advance loan

I spoke with one of the XXXX representative, who gave me permission to pay my monthly bills earlier than the XXXX of each month. I followed her lead and paid my bills for each month earlier which one month I asked, can I pay for it could be for two months payment which she said yes. Afterwards, I started getting phone calls, messages and emails stating Im past due. Which call back and explain the problem confusion when paying my payment Laid up too double payment, with additional charge fees and interest. The manager refused to fix the problem with the split payments for each month. Then told me if I close my account that they stopped the interest fees and I can pay a lower amount. I feel violated because I still would have paid my bill but not the double amount because of their mistake. The company refused to comply with fixing the mistake that their representative made. I hold responsible for their mistake. So now my account is being closed to agree with their terms of XXXX XXXX
Product: Debt collection

Dear LVNV Funding, LLC, I am writing to dispute the validity of the debt you have reported under the account number referenced above. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am formally requesting that you provide full validation of this debt. Until the requested information is provided, I dispute the debt and demand that any negative reporting regarding this account cease immediately.

I require the following documentation to substantiate your claim : 1. The full name and address of the original creditor for whom this debt was allegedly incurred.

2. A detailed breakdown of the amount you claim is owed, including a clear explanation of how it was calculated, itemizing any interest, fees, or additional charges.

3. A complete and accurate copy of the original signed agreement or contract, which demonstrates that I am legally obligated to this debt.

4. The assignment contract or purchase agreement showing the transfer of this debt from the original creditor to LVNV Funding, LLC, establishing your legal right to collect.

In addition, it has come to my attention that your attempts to collect on this debt may have violated my rights under the FDCPA, particularly in regard to unlawful communication practices as outlined in 15 U.S.C. 1692c. As a result of these violations, I am formally requesting that you immediately cease all further communication with me regarding this matter.

If you are unable to provide the requested validation within 30 days or if your communication practices are found to be non-compliant with federal law, I will expect immediate action to remove this collection from all credit reporting agencies. Failure to provide proper validation or continued communication in violation of the law may result in further action on my part, including reporting your companys conduct to the Consumer Financial Protection Bureau ( CFPB ) and taking legal measures to enforce my rights under the FDCPA. 

I trust that you will handle this matter with the seriousness it warrants and look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Student loan

I received student loans with the understanding that my loan would be forgiven after completing 5 consecutive years of XXXX  as a highly qualified XXXX, in a XXXX XXXX XXXX, and in a needed subject area. I have completed these requirements during the last five XXXX   years. Navient fails to recognize my last year of XXXX  stating that the XXXX  in which I XXXX was not a XXXX XXXX XXXX. I have explained to Navient that the XXXX  in which I taught in the XX/XX/XXXX-XX/XX/XXXX XXXX  year was recognized as a XXXX XXXX XXXX when I signed my contract in XX/XX/XXXX. It is my understanding that a 90 day attendance count is used to determine the eligibility of a XXXX  to be considered a XXXX XXXX XXXX for the current XXXX  year. At the 90 day period, the XXXX  where I XXXX  for my fifth consecutive year was not at the XXXX XXXX XXXX level. I attempted to file my request for loan forgiveness with Navient on three separate occasions. The first two times the paper work was rejected due to clerical errors. On my third attempt, Navient informed me that my last year of XXXX did not qualify because the XXXX  was not listed on the Federal list of XXXX XXXX XXXX. I attempted to explain this to Navient loan officials to no avail. The loan is now in forbearance until this matter is settled. I feel that I have complied with the terms of the provisions of loan forgiveness as stated to me when I graduated.
Product: Credit reporting or other personal consumer reports

My accounts 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 XXXX XXXX XXXX. 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 to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I've filed a complaint about similar behaviour previously and they laughably denied that the complaint belongs to them, with no evidence that it doesn't. Literally it does, their name is all over it, they are in bankruptcy. check cfpb case : XXXX. Anyway, they sent me another email today in clear violation of my rights as a creditor of blockfi and in clear violation of XXXX  law, and in total contempt for the cfpb requirement to respond to complaints, and against basic human decency. I have included a screenshot of the inappropriate communication. This is harassment, and I am getting extremely angry just by recalling the events to write this complaint. I was going to include more detail, but I am too angry .... Not worth it. STOP XXXX CONTACTING ME BLOCKFI! AND XXXX PAY ME! ALSO JAIL! BLOCKFI IS A CRIMINAL ENTERPRISE AND ALL THEIR COURT FILINGS ARE FRAUDULENT, AND THEY HAVE BEEN ATTEMPTING TO EXTORT/ COERCE ME AND OTHER CREDITORS INTO SIGNING THINGS. I WILL NOT SIGN ANYTHING. FRAUD! FRAUD! FRAUD!
Product: Money transfer, virtual currency, or money service

Around XXXX XXXX I contacted cash app because my cash app balance was $ XXXX in the negative and my XXXX account was $ XXXX. When I contacted cash app they claimed they tried to investigate but couldnt help me and I would have to contact my bank. I contacted Bank XXXX XXXX and they told me that cash app reversed service large transaction and that I would have to contact Cash app. When I contacted cash app again they gave me the same answer again. The issue was never resolved, my bank account and cash app remained negative until it was closed due to the high negative balance.