23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Kings Credit Services send a collection latters to my soon to be ex husband with his name using false pretense. my ex calls the company to dispute the charges they gave him out all my info and continued to call him everyday threaten him by telling him they will mark he 's credit if he does n't pay my medial bill. ..ex calls me and says will sew me if company marks his credit and continues to call him. I call company and requested they only call me they refuse to do so. I explain the only reason I stop making payments was because I lost my job and told them im not refusing to speek with them I tried to negotiate and settle the account and they refuse to they said they can only take full amount no payment options. ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure if I checked the right boxes for the previous questions on the form. It's difficult to assess because I've contacted credit reporting agencies like XXXX and they won't answer my questions, and XXXX who terminated my account in XXXX and couldn't provide any information about their actions against me. So I really have little to go on in identifying actually what is causing my issues. 

I will say that I have a judgement debt for funds a collection company was unable to collect from me. The company I recall that filed the suit in Nebraska was XXXX in XXXX. It was in regards to a year of unpaid rent for a lease as a retail store called XXXX XXXX in XXXX. XXXX terminated my account exactly 7 years after the judgement was established ( XXXX ). 

However there is no evidence that I can find that this ever happened. I mean shouldn't information show up in credit reports, background reports or any others that show negative information in my history? It's like instead of reporting this information, someone has targeted me in a way that this information won't show up, and seemingly indirectly which makes it much more difficult to remove or even identify.
Product: Credit reporting or other personal consumer reports

After submitting a complaint on Experian on XX/XX/year>. Experian updated their website without a proper investigation that the items that I requested to be removed from my credit report was accurate and that each item will remain on the credit report. Update was submitted on XX/XX/XXXXXXXX XXXX XXXX XXXX on Experian website. Experian has 10 days to have my credit report update correctly and verified documents from each source. If Experian can not provide me with the information that I have requested to be investigated and removed. I will presume legal action with demand of monetary form Experian.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block inc ). Due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they didnt comply with error resolutions requirements under the ( efta ) and regulations e. These actions have cost me inconveniences and financial loss. I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

From my knowledge there was a payday loan given in my name. However, I did not apply for this loan. I am a victim of identity theft. This was done sometime in XXXX of 2015. 

I am now being served and received documents of garnishment of my wages of {$5000.00}. Everyone I speak with is very rude and I dont know how to truly rectify this. I have contacted the fbi as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative marks on my credit report related to several accounts. The accounts in question are : XXXX XXXX XXXX XXXXXXXX late payment account XXXX XXXX XXXX late payment account XXXX XXXX charge off account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX collection account I am disputing these negative marks because they are inaccurate and do not reflect the true nature of my creditworthiness. Firstly, I would like to point out that I have been a responsible borrower and have always made payments on time. However, due to unforeseen circumstances such as a sudden medical emergency in my family and loss of job, I had faced financial difficulties and was unable to make timely payments. 

Regarding the charge off account with XXXX, I believe that there has been some mistake or error on the part of the bank. I had made all my payments on time, and I was not notified of any issues or non-payments prior to the account being charged off. Furthermore, I have not received any communication or correspondence from XXXX regarding the matter. 

Regarding the collection account with XXXX XXXXXXXX, I am not aware of any outstanding debt with XXXX XXXX XXXXXXXX XXXX. I have never received any notice or demand for payment, nor have I been contacted by any representatives from the company. 

In light of these discrepancies, I would like to request an investigation into these negative marks on my credit report. I am willing to cooperate with any investigation or provide any additional information or documentation required to clear my name. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

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

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my disputeof items in my credit report. As of todays date, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

For your sake, I would not take anymore action against my credit. I told you that I was contacting the Attorney General 's office. You should have just communicated with me instead of just closing my account. I have no reason to rush to your sense of urgency and unfair interest raising. I would caution no further action so that you will have less liability from them. You will hear from me once I've heard from them. NOTHING OVER {$2500.00} WILL EVER BE PAID. HEADS UP! I've been ready to pay my bill monthly since XXXX. You made it impossible for me to pay it. No one has confirmed or denied that Servicing Solutions is real or not. I'm still getting emails labeled spam, dangerous suspicious in my XXXX. I will not rush this. If you had waited or communicated, the credit card would be paid off by now. It makes no sense for me to pay extra because of your impatience.
Product: Credit reporting or other personal consumer reports

In 2020, my debit card and cellphone were stolen and the suspect attempted to make fraudulent transactions and perform an account takeover which prompted XXXX XXXX XXXX XXXX to close my account. I realized I was not able to log in the app one morning and when I called into customer care, the representative asked me what my last transaction was. When I confirmed the last one I remember, she said that it was incorrect and that my account will be closed and Ill never be able to join XXXX again. I never got a chance to even see what the suspect had done to my account except one email about a suspicious check on XX/XX/year> which I contacted them immediately after seeing it. All of my other emails from XXXX have never been anything about suspicious activity or mishandling my account like they claim. None of my statements were questionable and I had a remarkable standing. They refuse to complete a thorough investigation or inform me of what happened with my account. XXXX did nothing to protect me or secure my account upon me reaching out to them.
Product: Credit reporting

I submitted an FTC Affidavit with report number, an FTC Complaint number to TransUnion and the Reporting Agency has failed to properly investigate fraudulent accounts on my credit file. I have submitted the same information to substantiate my claim of ID Theft numerous times to no avail. The following account ( s ) are not my mine and were opened without my consent, knowledge, authorization and were opened under fraudulently ; XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 


Per my rights as a victim of ID Theft I demand that these accounts be properly investigated and removed from my credit profile. The FCRA ensures that TransUnion reports 100 % accurate information. I also would like to see any consumer contracts and/or information contained in my credit file submitted as verification by the above referenced debt collectors and/or creditors per section 609 ( a ) ( 1 ) ( A ).
Product: Vehicle loan or lease

Around the XXXX to XXXX I have called to try to pay off my auto loan but they will not accept payment. I created an online account to pay it off and still can not pay it off. I mailed a check out to pay it off on XXXX but they are saying they have not received it but yet another check mailed at the same time has posted.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX  XXXX ) XXXX Balance : {$4100.00} ; XXXX XXXX XXXXXXXX XXXX  XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9700.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX  ) XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 ; XXXXXXXX XXXX  Inquired on XXXXXXXX XXXX XXXX ; XXXXXXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXX Inquired on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

LVNV funding LLC Re Account ID : XXXX Misuse of information
Product: Credit reporting or other personal consumer reports

Please Delete the fraudulent inquiries from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA continues to report a closed tradeline past the FCRA reporting period. I've asked XXXX, XXXX and XXXX to remove this tradeline and have not been successful. The tradeline contains several 30, 60 day late payments and still negatively impacts my ability to get a good loan rate. This tradeline was with my ex and needs to be removed as it was opened/closed in late 2010.
Product: Mortgage

I contacted CFPB regarding this company on XX/XX/XXXX & XX/XX/XXXX to no correction of the issues.

I have submitted a short sale offer back in XX/XX/XXXX. 
I have sent every document requested within 2 days of the request.

Although they state I am assigned a Customer Resolution Person to oversee my application for the short sale this is a great thought but not at all real.

Each time I call I'm assisted by a new representative because the assigned person is on another call.

I've called to follow up on the status of the short sale offer since  XXXX a least 40 times. And each time the new representative offers to help. They are not familiar with the file and start reading and requesting documents already submitted. This went on for over 7 months until I was finally told in mid XX/XX/XXXXthat all was received and sent to the investor for acceptance or decline. I have called every week and at times twice a week and told by a different representative the investor has not yet responded. I received a letter XX/XX/XXXX stating they have withdrawn my application because of a lack of 3 documents they claim had expired yet all were sent over 5 months ago. In addition the person advised they can not complete the file to send to the investor till these docs are updated. I couldn't believe my ears. They've told me 2 months earlier that all was received and waiting for the investor 's response.

I have never dealt with a company so inept in their operations. I don't understand how they are allowed by agencies such as yours to operate in this fashion. They are hindering my credit score by these delays. Not to mention they are costing the investor monthly additional
association fees & a new current real estate tax bill that would have been avoided had they been working properly. If this agency is in place to regulate and protect the public why haven't they thoroughly investigated the practices of this firm. I received the responses from SLS for my previous two complaints which they state erroneous information as to their contacting me. I wish that someone from the agency would contact me and they could listen in and and see what they ask me for and I can give the time and date of my submission of
their previous request and you would see how poorly they operate. Another disturbing issue is that when asked to speak to a supervisor it's always told they will call you back. When called back basically the supervisor proceeds to read the previously requested documents only for me to advise when they were submitted and to then be told they will personally expedite, which holds as much validity as the statement that the world is flat. People should not be serviced in the fashion that Specialized Loan Servicing operates.
How many complaints does a Federal Agency required to receive before they attempt to correct a business that is affecting so many.

In researching I've seen hundreds of complaints filed against this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax to correct my legal name. I even submitted my state issued XXXX XXXX with my legal name and date of birth and current address. Despite that I receive notice that it was corrected but the incorrect still appears. Also with Equifax my credit report states " Report Blocked for Promotional Purposes. '' I have called them XXXX times and spoke with someone who verified it has been removed but need to wait over XXXX hours. It has been XXXX days or XXXX hours since last telephone call and the message still appears.
Product: Checking or savings account

XXXX - XXXX. My bank takes out from an account that has no money in it then proceed to charge the bank fees. This happens every other week. Either they take money not authorized or from an account that has no money. Or an account that belongs to my daughter SSI XXXX  benefits. Most of they charges that put me in debt are the bank charges. Wells Fargo. And when I go to close out the accounts I can't for some reason or another. And it takes an average of 45 minutes to get a person to talk to
Product: Debt collection

Around XXXX I purchased a timeshare at XXXX XXXX XXXX XXXX XXXX XXXX owned/managed by XXXX XXXX. In or around XXXX I was in financial ruins and unable to pay maintenance fees for this timeshare. Sometime following that I do not have any idea exactly, approx XXXX, I received notice of default on my timeshare and it would be reacquired if I did not pay the past due maintenance fees. That was the last time I had any contact regarding this matter. In XXXX this year I received a letter demanding {$2800.00} for unpaid maintenance fees from XXXX XXXX. I immediately called on XX/XX/XXXX at XXXX XXXX  and spoke to person there and explained my position on the claim fees due. He did confirm where he saw that there was some docs related to XXXX reacquiring my timeshare week. I was told the company had been taken over and records were incomplete, they would have someone call me. Never happened then I receive notice from a collection agency Meridian Financial demanding payment. I contacted the collection and again explained I was under the impression I was not the owner anymore and have not been for years. Then around the second of XXXX it was reported as not one balance but as 6 different entries with the same dates. I also informed collection agency I had retained an attorney to dispute and gave them his name and phone number
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$46.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX  XXXX Balance : {$180.00}