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

They are a predatory lenders who are intentionally reporting erroneous late payments for XXXX and XX/XX/2022. 
1 ) For XXXX, XXXX and XXXX of 2022, I entered into a hardship program with XXXX. My payments were interest payments around {$78.00} agreed upon by the XXXX finance departments. Every conversation is recorded where it was explained to me that once you enter into a hardship plan, your normal payments against the balance are place at the " END OF THE LOAN ''. When I would expect to pay back a larger amount when the loan closes. However, someone at XXXX keeps placing those hardship payment totals back to the FRONT of the loan. And during this hardship time, XXXX can not submit any NEGATIVE reporting to the credit bureaus. This is against their own policy. After 3 months of hardship payments, I resumed my normal payments between $ XXXX per month. I did that. 

2 ) Once in XXXX 0f 2022, my bank ( XXXX ) returned my payment, Once I became aware, I made restitution right away. XXXX went straight away and erroneously reported 60 days late twice and 30 day slate twice. Knowing that until then I had never been late, nor missed a payment. 

3 ) XXXX blocks my payment history from my view online for anything past the most recent 4 months. I can not prove to them their error because I can not review what they're reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I have sent a certified letter to Lexis Nexis pertaining an alleged bankruptcy that they are verifying on my credit report to the credit bureaus. They still haven't replied back its been over 30 days.I have sent this letter multiple times before in the pass with a copy of my id and proof of my address. The company replies back that they can't verify my identity After i have sent the all my proof of my identification. I strongly believe that they are trying to avoid me and my concern about the bankruptcy that they are verifying on my credit report to the credit bureaus. They haven't sent me any documentation of information that used to verify this alleged bankruptcy. If they can't send support verifying documents they have to removed this bankruptcy from my credit report but they won't The company is simply not responding back.
Product: Credit reporting or other personal consumer reports

Unfortunately, my information has appeared in a data breach and I have noticed an account open on my consumer report at this account does not belong to me. I would like for you to be removed immediately. Also per FCRA 605b and 15 usc1681 this company must remove these late payments from my consumer report.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) be removed within four business days as permitted by federal law The previous accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report. credit or insurance to be used primarily for personal, family, or household purposes ; employment purposes ; or any other purpose authorized under Section 604 ( 15 U.S.C. 1681b ).
Product: Credit card or prepaid card

USAA has refused to provide WRITTEN DOCUMENTATION OF MY FRAUD REPORTS OF XXXX & XXXX. 
Two years later still USAA Refuses to provide. WRITTEN documentation of * RESOLVE. COMPLETION OF INVESTIGATIONS. ON ALL THE UNAUTHORUZED TRANSACTIONS I REPORTED. ( ** XX/XX/XXXX THERE ARE {$2.00}, XXXX OTHER FRAUD CREDITS NOT INCLUDED IN THE TOTAL CREDITS FOR XX/XX/XXXX. ALL USAA FRAUD CREDITS ARE INTERNAL HIDDEN FROM CONSUMER. ** ) USAA WAS FINED XXXX   OF DOLLARS XX/XX/XXXX FOR NOT RESOLVING ERRORS ON XXXX MEMBERS some my familys ACCOUNTS that I recommended usaa to ** BY LAW I DEMAND WRITTEN PROOF OF RESOLVE OF FRAUD REPORTED COMPLETION OF INVESTIGATION WITH PROOF I PURCHASED FROM MY IP ADDRESS AND MERCHANTS DOCUMENTION INCLUDED PROOF DELIVERY ACCEPTED & SIGNATURE. XXXX & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sold the store card to XXXX XXXX XXXX XXXX. I called. XXXX XXXX - XXXX is their number I called XXXX XXXX who claimed they had this account and was sold to them. I need XXXX XXXX to comment on this account that it is settled and paid in full. It is not a charge off or collection. Remarks need to say please, or comments settled and paid in full. Thx. XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I went to withdraw the XXXX limit at Bank Of America XXXX the money did not dispense and instead gave me an error saying I would be credited, it's all on video so they can confirm it. I needed the money on Saturday to pay my rent and help my girlfriend with a car she was buying but now it's becoming difficult on me and Bank of America is being no help, I have XXXX $ in my Bank and It still doesn't say anything about credit or my claim being reviewed. I called immediately after the error message on XXXX popped up and they said they could not help but at least start a dispute and nothing would be done until Monday XX/XX/XXXX. Today I checked and still don't have my credit and now I had to borrow money because my Bank doesn't have my money that I never got, I called and connected to a supervisor and he was no help he filed a dispute claim but he said he can't do anything and I would have to wait. This is frustrating as now I have to pay more money than I was originally going to just because of the hardship that Bank of America has caused, they won't do anything to speed up the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and mailed letters to dispute inaccurate information on my report for several months recently and have not received responses from any of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my report is XXXX XXXX ... which is not my account. Never solicited them.
Product: Debt collection

I paid XXXX medical bills on XXXX XXXX XXXX, for XXXX medical services at the XXXX of XXXX XXXX hospital, XXXX, with XXXX XXXX XXXX. The XXXX medical services were on XXXX/XXXX/XXXX and XXXX. The bills were for {$810.00} and {$470.00}. I paid these bills in full via a debit card transaction on XXXX/XXXX/XXXX. This was after I had a conversation with Chase Receivables who informed me that the bills were unpaid - and I promptly paid the bills. Despite this I have continued to receive REPEATED harassing calls from Chase Receivables saying I still owed the money, despite my telling them that I have paid the bills. This is both intolerable and totally unacceptable. I attach a receipt for payment from the hospital and a screen grab of my debit card transaction paying the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX PL XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$720.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My whole identity have been being used for since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was XXXX I got a Car and shorts afterwards the Next year I XXXX because I am an XXXX XXXX XXXX in the XXXX. When I XXXX I didn't have anyway to contact XXXX I tried to. download multiple Texting/calling apps, I tried emailing but to no Avail I could not reach XXXX in America. When I returned I noticed that I had a collection and it was from them It said my account charged off in XXXX when I was XXXX and whenI called and told them my situation they rest assured I was good and that it was okay. They gaslighted me Into believing things until I just paid the car off in one big lumpsum. While I was paying they reported every month CO reseting my date of last activity with them.I tried to ask them to stop since they can not legally do that and they said that they are doing what they are instructed.I didn't argue or fight with them because, I was young and didn't realize how bad that was. Now I recently tried contacting them to no avail to get the to delete the CO month by month and have a more accurate reading and they have not. I Paid the account off in XXXX
Product: Credit reporting, credit repair services, 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, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$750.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Debt collection

Focus receivables management has no right to contact me or my business. I have no debt and they are phishing for personal information they are not allowed to ask for. Social security number. Date of birth. Mothers maiden name.
Product: Consumer Loan

I have a signed and notarized paper on a credit card that was taken out in my name and the debt was drop and was told it would be taken off my credit report to all XXXX credit bureaus and it still remains there, the company said it would send to all XXXX and would be dropped in 30-90 days and that was XX/XX/2011.XXXX never did this for me in the 2 and half years I hired them, please help me with this matter.this is hurting my credit
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effectively measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report I noticed that there are inaccuracy on the late payments, on the month of XXXX XXXX  and XXXX  has no data provided but XXXX has it 30 days late payments which is clearly inaccurate.
Product: Debt collection

I received a phone call on my cell phone at around XXXX XX/XX/2018 from a company who spoofed their number to appear local, but they were not. They left a voicemail claiming to be " Offices of the Northwood Group '' and left a detailed message with my name, number, address, last 4 of my SSN, and a case number. The same call was also made to my brother in Arizona with a message containing the same information and spoofing the number to be local to him. 

They claim I haven't responded to any correspondence with them about a debt with them. I have NEVER received anything from them whatsoever. I had XXXX  them and found out that they are known by a law firm which I have used in the past for another violator of the Fair Debt Collection Act, and won the case. The law firm told me that they were in clear violation of many things by their actions and to contact you because they will NEVER pay out any lawsuits made against them. 

I still have the voicemail on my phone at the moment. 

I want to take whatever action I can against them for the negligence of this company to the fullest extent!!
Product: Bank account or service

I was charged over XXXX in overdraft fees on items that were not considered " insufficient funds ''. For instance, a debit is presented for payment at the bank and on the same day a deposit is also made. This bank " holds '' the deposit to allow the debit to go through first and then charge me {$35.00} per transaction. This is an ongoing, banking business practice used to fleece unwitting patrons such as myself. This common practice with banks is " business as usual '' to extract additional funds from the consumer and cause extreme financial difficulty.
Product: Debt collection

Sunrise Credit Services is harassing me ii have sent letter but they did not desist. 
- 1st Letter XX/XX/2022 Help to mediate and let them stop bordering my life
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report.
Product: Student loan

Consolidated loan from Nelnet, immediately got a text from https : XXXX. Reply STOP to unsubscribe. 

Scam, jail them all.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for their persistent refusal to conduct an investigation into inaccurate items on my credit report despite multiple dispute letters and substantial evidence provided for identity verification. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I diligently mailed dispute letters to TransUnion, explicitly requesting investigations into several inaccuracies on my credit report. These inaccuracies encompass inaccurate items and incorrect account information on my credit report. Furthermore, I disputed incorrect personal information listed on my credit report, including incorrect addresses, and incorrect names. 

In an effort to facilitate the investigation process and ensure accurate identification, I took the necessary steps to include a copy of my photo ID, social security card, and a recent bill displaying my current address with each dispute letter sent to TransUnion. Despite this, TransUnion continuously refused to conduct the investigation, impeding my efforts to rectify the inaccuracies on my credit report. 

I received a response back from TransUnion dated XX/XX/XXXX, and XX/XX/XXXX, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

This ongoing refusal to address my concerns and conduct a proper investigation is not only frustrating but also violates my rights as a consumer under the Fair Credit Reporting Act. The inaccuracies on my credit report have the potential to significantly impact my financial well-being and must be addressed promptly and accurately. 

I demand that the Consumer Financial Protection Bureau intervene in this matter. I am now demanding that Transunion immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 

I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof. I am now demanding TransUnion immediately and permanently remove the disputed items from my credit report
Product: Checking or savings account

on XXXX XX/XX/year> I closed a Certificate Deposit account with a USAA representative via telephone. The closure was in the amount of {$1000.00} that the representative was instructed to transfer to my internal USAA checking account. There was a system glitch or error that occurred that prevented the funds from being transferred. I have called multiple times, and all USAA keeps doing is opening disputes ( we are currently on # XXXX ) with no progress made on locating the funds and returning them to me. USAA is responsible for the Fianacial hardship caused by them losing {$1000.00} of my money and refusing to return it. They were negligent with my funds!
Product: Student loan

On XX/XX/XXXX, I contacted ED financial when I found out about Biden 's Loan Forgiveness. I went to the FSA website that I could request a refund on payments that were made during the payment pause that started in XXXX. During the pause on payments, I paid off fully over {$35000.00} in student loans. After finding out about the forgiveness, I immediate contacted ED Financial about a refund of {$20000.00} due to me being a recipient of the Pell Grant and making under {$120000.00}. These qualifications mean that I am eligible for XXXX loan forgiveness. 

ED Financial is seeming to not know much about the refund and could not give me a time frame the refund would come. There are many other servicers that are giving time frames on refunds and refunds being reflected on their account. The application for forgiveness begins this month in XXXX and I am worried that ED financial will not process my refund in order for me to receive student loan forgiveness. I was told that the loan balance would not be reinstated until the refund was processed which may be after the deadline. The payments and accruing of interest will return in XXXX of XXXX. 

ED financial also told me that they can not provide a confirmation number or email proving that my request was sent to be processed. I do understand the volume of people requesting money back makes the time longer but its very concerning that they can not give me date range for my refund. I fear not getting my refund on time for forgiveness. Other servicers are getting their customers refunds and dates of refunds but ED financial seems to not know a thing. The refund would be a blessing to my family and so many other families during these hard times. I believe that this company, ED Financial does not care to give my refund in a timely manner and this bothers me daily. 

I am writing this complaint after hours discussion with others with this same fear. If I do not get my refund and have loans forgiven, I believe I will be devastated.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I have been going back and forth with all the banks, credit people and all, it started about 2017 less then a year after my XXXX brother died. Once he died some how his ssn ended up on credit report along with all his debts followed by every account of mine is closed, no bank will accept me nor credit card. I have no debit but some how have incurred about 100 inquires that I can account for some but maybe 12 and it continues to get worse. I am unable to verify my identity online, lost a job because I couldn't accept direct deposit. I'm on the brinks, then to top it off I'm ready to loose it. Please help me. I have contacted everyone.
Product: Mortgage

My mortgage payment has been around {$330.00} for years. My XX/XX/year> payment jumped to {$1300.00}. No correspondance, no explanation, nothing. I called shortly after receiving the bill. They said it was a mistake on their part and they would take care of it. Something about a new system being in place, I wasn't the only person having this issue. I was told to continue making normal mortgage payments. So I did. Got my XXXX bill and the " normal '' payment I made the prior month was held in suspense, and now I owed 2 months of mortgage payments. I now owe over {$2300.00}. I called again and they had no record of me calling. Also nobody can tell me why my payment is now over 4x what it was 2 months ago. I also tried to register on their website so see if I could get any more information than what I was being told over the phone and their website doesn't recognize me. Also had my son try who is more computer savvy than I am and he couldn't get it to work either. 
I am XXXX XXXX XXXX on a fixed income, relying on social security. This mortgage payment would make me homeless. I have been in my home for over 30 years now.