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

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days, so those accounts should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Product: Payday loan, title loan, or personal loan

They mailed me a predatory loan in XX/XX/2021 before XXXX now they are continually harassing me by showing up to my residence invading my privacy, coming on my property and being unprofessional and even cursing towards me. 
The very first time they came in XXXX I told them to not come to my home again but since then they have came back to my house 5 to 6 times. Twice they came and my son ( which is a minor ) answered the door and they even had the audacity to hand him documentation of the loan and did not ask for a parent. I told them to leave my property or I will call the cops and I was cursed at after I told them that. They have been causing my distress on my mental health and hostility not to mention doing this infront of my XXXX minor kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also, Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX  you cause me.

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so dont want any automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID
Product: Credit reporting or other personal consumer reports

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( XXXX ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the Metro 2 Data Field Formatted Reporting Standards, as per CDIA guidelines!

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to.

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX
Product: Mortgage

Reverse Mortgage on my property was scammed by a criminal posing as an FBI agent. 
The amount that was due in XXXX was taken away by telling me that I had won an award that taxes had to b paid to agents of the FBI. The mortgage company should never have released the funds because the safe guards were not observed.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I went to the website for XXXX XXXX XXXX and wanted to purchase a treadmill. The site said that I could prequalify for 0 % interest payments on one of their treadmills. The site said - it will not hurt your credit to prequalify. I went along with it and the site told me I was qualified. At Checkout, the rates changed from 0 % APR to 15.9 % APR. By this point they had subsequently done a hard pull on my credit so I completed the checkout, but it felt like I was baited and switched and feel like the company should honor their initial offer of 0 % interest on the equipment. Nowhere did it state this rate may change later in the process.
Product: Consumer Loan

Hello, I applied for a Pre-Approved Auto Loan through GM Financial only. The GM Financial application was sent to a XXXX Dealership. My authorization of the GM Financial application was to only allow GM Financial to use my information and run my credit. However, the chevrolet dealership was able to use my information from the GM Financial application to run my credit at multiple lenders. I never once gave approval for GM Financial to openly allow my information to be passed onto other lenders. The dealership took it upon themselves use my GM Financial application and send it to other lenders. I feel as though GM Financial and myself had a contract between only us. The information I provided on their application was strictly to be used for a loan through them not another lender. The lack of protection of my credit information by GM Financial is carless on their part. Additionally, the dealership is at fault as well. However, that is a separate issue. The key issue here is GM Financial falsely advertised that my personal information would only be used for a loan through GM Financial. However, the lack of control and security of their handling of my GM Financial application allowed the dealership to run my credit through other dealership without ever making a new application. 

The dealership information is below as well : XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX Work : XXXX EXT : XXXX Cell : XXXX Fax : XXXX
Product: Credit reporting or other personal consumer reports

My account with ( DEPTEDXXXX, US DEPT ED, 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.

( DEPTEDNELNET, US DEPT ED, SELF/LEAD ) 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: Money transfer, virtual currency, or money service

i have XXXX in cashapp XXXX they will not let me cash this money out withdraw the money or transfer this money I have validated myself multiple times on this account and they still wont give me access to my money. i have called multiple times To get multiple responses, one they can't withdraw the money out of XXXX The second one, there's nobody to do it. Third, they won't give me any way of contacting the XXXX people. They just keep giving me their email. But I don't get any email back from XXXX on cash app in order to cash this money back out to another account so i can close the account out.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$35.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My first interaction with my loan servicer was a phone call in regards to a drop in my credit score due to a missed payment ( which was my very first payment ). I was in school less than half time as I was unaware my repayment period had begun. I had no knowledge of the repayment period and was not contacted by Navient. My phone number has been the same for 12 years but I did not receive a phone call in regards to repayment. They did not have my current mailing address on file, which I had explained to the representative on the phone I had moved recently. I was told nothing could be done. Another issue I have experienced is the understanding of repayment. My loan servicer placed me on a repayment that was extremely high. I explained that the payments were too high for me to afford, as I now incur a very high-interest rate because of this discrepancy on my credit. 

I sent in a letter requesting this discrepancy be removed since I had no knowledge of repayment ( sent on XX/XX/XXXX ). My contact information had not been updated, phone number nor address. I had not received any contact back in the 30 days that they have received the letter nor their decision in the matter. 

I was told by the first representative that my loans would be in forbearance until XXXX so I could submit the application for income-driven repayment. I uploaded proof of income as well as Income-driven repayment application ( I completed on XX/XX/XXXX ). I called back a second time on XX/XX/XXXX to affirm my documents have been received. I then again was assured that my repayment period was in XXXX. I received email " snapshots of my monthly statement '' stating that my repayment was XX/XX/XXXX. On XX/XX/XXXX I see my credit has dropped XXXX points due to a remark " Payment deferment '' being removed from my credit report. I called Navient ( on XX/XX/XXXX ) to find out why forbearance has been removed from my account when I was told by two representatives XXXX would be repayment period would begin. The representative hung up after I claimed I was misinformed twice by two different representatives. I called back and was told that there was no evidence as to my repayment beginning in XXXX. I was told that the repayment period was actually in XXXX and that is all they could provide. I was never told/emailed any due date regarding XXXX. I proceeded to ask for the call recordings as I feel my loan servicer is being deceitful and unclear regarding due dates. 

I feel that I am being misled, misinformed, and taken advantage of by my loan servicer. I now incur very high-interest rates due to the missed payments from Navient. I wish to have clarity and transparency into the repayment period. 

I will attach the emails received from Navient stating my repayment due date was in XXXX. I will also attach evidence from my Navient account stating my due date is XX/XX/XXXX.
Product: Student loan

I had been struggling for years to pay my bills let alone pay on my student loans. I was threatened by PHEAA, in XXXX, PA that I needed to contact them to make arrangements or they would start garnishing my wages. They also added some kind of collection fee. The original amount I owed them was around {$33000.00}. Now with their crazy fees they say I owe {$85000.00}? This is like owing money to a loan shark. I called them in XX/XX/2019 and entered into an income based repayment agreement for {$140.00} a month. They said my provider would be a company by the name of XXXX XXXX. To this day I have never heard from them. I called in XXXX to PHEAA and a rude male asked why I was calling him. I said to make a payment. He said he would take it this time but I need to go thru XXXX XXXX. I told him I never heard from them. He said not his problem that I needed to find them. In XXXX, I was on short term XXXX from my employer and was incapacitated for 5 months with no one to handle my affairs. I'm glad just to be alive at this point in time. PHEAA never notified me of anything and started garnishing my wages. When I became able to return to work I realized what was going on with the garnishment, which is against the code of ethics at the bank I work for. My employer told me to take care of it. I called PHEAA in early XXXX and spoke to a XXXX, who said I couldn't reinstate the original agreement to repay. Didn't care at all that I experienced a very serious medical condition. I think this is unfair and not my fault I fell ill. I asked for his manager to call me and never received a return call. I then called exactly 1 week after and spoke to a XXXX. Said again I can't go back to the original agreement and said basically being sick or incapacitated is no excuse. They said I could pay {$250.00} a month for 3 month then would have to apply for a consolidation loan. That's the best he could do. If I could give back my degree, which had done nothing to make me more successful in life. Only to put me in this problematic situation with PHEAA I would do it in a heartbeat. I just want to be treated fairly and most importantly like a human being
Product: Credit reporting

This account is closed on XXXX 2008 but on my credit report still show a late payment. the account is closed more than 7 years. please removed this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX a collections account that appeared on my Experian credit report as XXXX XXXX XXXX was removed from my report following a investigation at my ( the consumer ) request and has now in XX/XX/XXXX has been refurbished back to my credit report without my consent.
Product: Credit card or prepaid card

DECLINING TRANSACTION FOR A LIMITED EDITION HAND BAG WHEN THE AVAILABLE CREDIT IS THERE AND I CALLED CUSTOMER SERVICE AND THEY CAN CARELESS! IM OFFENDED BY THIS TYPE OF HARRASMENT
Product: Checking or savings account

My wife and myself were out of town during XXXX XXXX weekend from XX/XX/24 - XX/XX/24. We were notified on one occasion, from Regions, on XX/XX/24 regarding one transaction that looked suspicious and asked if my wife was making this purchase? She advised no, she wasn't. They said that they will stop the charges against her debit card, close it and reissue. The following day, XX/XX/24, on our return trip home, we called the bank auto line to check on our account and at which time discovered that our account had been hacked which caused the account to go into overdrawn status. We were advised to go to local branch and submit a fraud claim in which we did. As of today, XX/XX/24 we have been dealing with this trying to recovery our funds without any success. We have filed now XXXX claims, gotten a police report and still nothing has been resolved. I truly feel that there hasn't been an actual investigation done on this case. I feel that the fraud dept. has made a blanket decision based on a select few transactions that were authorized and have come to the conclusion that all were authorized. This is so ridiculous because these were transactions that were made in XXXX different states other than where we live. My wife and I have spent numerous hours being the PI in this. We have called or researched each and every business that was listed on our claim to verify where they are located. These range from XXXX XXXX XXXX XXXX etc. Their were a total of approx. XXXX transactions totaling approx. {$2700.00} - {$3000.00}
Product: Debt collection

This isnt the correct dates, this company is changing the original debt date and placing it on my credit.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, my sister XXXX used myinformation to open accounts that i wasnt aware of. i have doen evrything that the bureaus have requested that i do and the items are still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and Inquiries that appear on my Experian Credit Report are either reported in error or are a mistake in identity. Please mail to me the proper contracts with my signature that authorizes these accounts to be reported on my report. XXXX XXXX, {$2000.00}, Opened XXXX XXXX, XXXX. XXXX XXXX XXXX, {$5000.00}, Opened on XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX, {$2700.00}, Opened on XXXX XXXX, XXXX. XXXX XXXX XXXX, {$1500.00}. XXXX XXXX  XXXX/XXXX  XXXX, {$1600.00}, Opened on XX/XX/XXXX. XXXX/XXXX, {$5200.00}, Opened on XXXX XXXX, XXXX. Please remove the following name from my credit file, it is not my name nor alias - XXXX XXXX.
Product: Debt collection

I sent Credence a letter disputing an account that they placed on my credit without sending me any collection notice prior to putting it on my credit report. 

On my credit report it shows XXXX  being the original creditor,. I am a current customer of XXXX  and my account is active and in good standing, so I called them in XXXX 2022- and they stated my account was in good standing. They said they did not have any account of mine sent to collections. 

I have reported Identity theft ( fraud ) to Credence  regarding this and I also sent in the fraud paperwork. They have yet to remove this account. 

This account needs to be removed immediately, Ive placed fraud alerts on all three credit bureaus as well. 

Ive included my letter to credence  and their response, as well as a copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraudulent account by the name of XXXX XXXX  account number ending XXXX and I never received a response from Equifax or it didnt get removed I never applied for this credit card and I send in some documents and never got a response at all its been a month ...
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a payment to you on the date i was supposed to send it. and the mail got lost somehow i am not sure how the mail got lost but i have proof of the money order i sent you as i am attaching it to this complaint i was i great costumer from Toyota i dont think that i deserve this 30 day late payment to ruin my credit for something that is a mail problem i spoke to one of your representatives and they told me that they would take care of it but it still shows up on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

PROOF OF CLAIM : Pursuant to The Federal Tort Claims Act, I am stating my proof of claim. I have been wrongfully injured due to the, negligent or wrongful acts and omissions of the agents of XXXX XXXX XXXX XXXX XXXX. SUCH AS EMOTIONAL DISTRESS, DEFAMATION, WILLFUL AND ILLICT FRAUD, PROPERTY LOSS AND DAMAGE CAUSED BY SUCH ACTS MENTIONED. I HAVE DISPUTED THIS CLAIM THROUH EQUIfax as they have removed the Duplicate account XXXX XXXX XXXX has furnished and under false pretenses according to 15 US CODE 1681 ( Q ), 15 USC 6809 ( 4 ) ,15 US CODE 6803,28 U.S.C. 2671-2680, 15 US CODE 1602 ( F )