23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is for validation of the alleged debt within 30 days. The company Merchants Credit Guide is on my credit report reporting an alleged debt of {$410.00}. The company has not provided me my right to dispute the alleged debt within 30 days and I never gave permission for the company to pull my credit reports. The company is causing injury to my credit report by drop of score and is in violation of the Fair Credit Reporting Act ( FCRA ). Thank you and have a great day.
Product: Vehicle loan or lease

hello, i did a trade in for a used car, but the dealer couldn't sell me the car after the trade in cause of defective airbags issue. I got my car back and didnt do the deal. please delete inquiry and loan from my credit. i never got the car or did the trade in. Thank you!.
Product: Mortgage

I had a VA mortgage with XXXX and decided to refinance my VA loan with New Day USA in XX/XX/XXXX. New Day USA mismanaged the refinance of our mortgage with XXXX. Our property taxes for XXXX were {$2.00}, XXXX. Our proposed property taxes for XXXX are {$2.00}, XXXX. In XX/XX/XXXX New Day USA assessed our property taxes at a little over {$400.00}. This amount was the taxes on the property before a house was built. The correct amount of the property taxes was available to New Day USA through our former mortgage company and also available with the XXXX XXXX XXXX XXXX. As a result New Day USA was not taking out the proper amount to put in our escrow account. The property taxes are due next month in XXXX. Myself and my fiance are on social security and live paycheck to paycheck and do not have any savings to cover the deficit. New Day USA has only {$690.00} in the escrow account so there's a deficit of XXXX, XXXX. New Day USA is making excuses that we had a huge increase on our taxes which is incorrect. There's a potential increase of {$100.00}. So this is clearly a gross mismanagement of our refinance with New Day USA. So a warning to any consumers thinking about doing business with New Day USA I would not!
Product: Vehicle loan or lease

Consistent call 's to employer, family, friends, aquantences asking for information
Product: Student loan

Dispute Past Account Data 30 day late 60 day late 90 day late
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you thatthere is no third party involved in the process. I sent letters to TransUnion Credit Bureau thedate of the last letter was on XX/XX/2021. And now we are in the month of XXXX and still nothing from them. That means TransUnion has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELYFROM MY CREDIT REPORT : XXXX  XXXX XXXXXXXX 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 ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Transunion is reporting inaccurate information on my credit report. I never gave Transunion or anyone authorization to run my credit report. The information theyre reporting is incorrect and invalid.There inquiries are invalidated and inaccurate and needs to be removed from my credit report please. ( XXXX ) XXXX XXXXXX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX ( XXXX ) XXXX  XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX please remove immediately thank you.
Product: Credit reporting or other personal consumer reports

Ive contacted First Federal Credit Control about Account XXXX Ive stated to the company Representative that this account is currently in litigation involved in a Lawsuit which this account is apart of the company representative Who only gave her first name XXXX and Email XXXX stated that she did contact the original debtor during her investigation and stated that it was reported before the litigation but she did acknowledge that it was involved in the courts I then ask her again then if you did verify its in litigation why has it not been resolved No matter when it was first reported when you verified that it was in litigation it was supposed to be removed by Law she then repeated the same answer because it was reported before litigation I then stated that by Federal law that all reporting has to be stopped or removed while it in litigation she then acted like she didnt know that part and refused to assist any further I again stated by law you have to remove this from the credit agencies while its in litigation she then became more rude on the call
Product: Student loan

I have been employed as an XXXX  for a state/local government agency since XXXX of XXXX, and have been in an income-based repayment ( IBR ) plan since that time in an effort to secure Public Service Loan Forgivenes ( PSLF ). My loans are currently serviced through FedLoan and have been since approximately XXXX. 

In XXXX I filed an employment certification form pursuant to that plan, and on XX/XX/XXXX I received the response for a beginning certification date of XX/XX/XXXX through XX/XX/XXXX. I was deemed to have made seven ( 7 ) qualifying payments during that time. On XX/XX/XXXX, I called the servicer and according to my notes taken at the time of the call, I was informed that my payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all counted. I was told that the payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all came through the system as late. She told me that she would be able to likely fix some of those payments. This was apparently done as my estimated eligibility changed from the XX/XX/XXXX to XX/XX/XXXX after subsequent employment certifications. 

In XXXX of XXXX, FedLoan created a PSLF payment tracking system. On it, for the first time, I became aware that my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments were deemed eligible, stating that " Payment is Pending Manual. '' It has been nine years since these payments were made. If these three payments are deemed eligible, I will be eligible for forgiveness in XXXX of XXXX, rather than XXXX of XXXX.
Product: Student loan

Mohela was the previous servicer for my account and it was transferred to XXXX. I do not owe Mohela any money and they are not updating the account. It is showing that I am 60 days late. However, that is not true. They are threatening me with wage garnishements.
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 effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

34 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

Dear sir/madam, as I was going through my credit report on Experian negative report on my credit. The negative report was from XXXX, any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine.. XXXX I Copy this account number from my XXXX credit report. I am requesting that XXXX or any of it affiliates should remove such negative statement from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2019 I have been working with this company to get VALID VERIFICATION OF THIS DEBT! In 2019 I was sent a generic letter printer from the XXXX funding firm with none of the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

As I have explained I had NO knowledge of this account and XXXX funding has NOT BEEN able to provide correct verification I MADE ANY AGREENCE WITH THE FIRSYT DEBTOR.
Product: Credit card or prepaid card

I'm trying to downgrade my capital one spark business card to the capital one spark select card but none of the off shore overseas agents are ever able to help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company transunion requested need they proof of identity and other information that they needed to process my request for identity theft. I have a supplied my police report, affidavit, and my rental lease agreement. Im still having issues with the same accounts are getting reported on my credit report. I am victim of Identity Theft and I take this serious. My personal information was stolen from a data-breach. As a consumer, I will like them to take action on those accounts. I have sent another request they should have received by XX/XX/22 certified mail. I have reached out to XXXX, XXXX XXXX and XXXX XXXX etc etc. they all agreed to stop reporting the accounts. Its been XXXX weeks and I still havent seen any updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent account. I do not have an account with Convergent Outsourcing. They have no authority to collect on this account. This matter has been taken care of with the original creditor. There is no contract open or account assigned to Convergent Outsourcing. This account is reporting fraudulently and needs to be removed from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was not allowed to acquire my free credit report online from any of the 3 credit agencies through XXXX. 

Was not able to dispute items over the phone from any of the 3 credit reporting agencies. They kept shuffling us off to other uninformed agents and we were hung up on continually. They have NO ACCOUNTABILITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information  XXXX/XXXX, XXXX   XXXX, TRANS UNION
Product: Vehicle loan or lease

In XX/XX/XXXX, called and asked for lower payments bc of job loss. Was denied and granted an extension which full payment was due the next week which was a struggle and still is. Company calls everyday threatening to file charges. Very rude and unprofessional conduct.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/2023 I received a credit notification that my credit rating dropped by XXXX points due to a reported late payment on my Credit Card ending in the number XXXX. My account was not late. I confirmed this by calling your customer service department the same day. They reaffirmed that my account was not late was was never late on a payment. A late payment was submitted to my credit report unfairly. 
I kindly request you remove the late payment notification from my account and restore my credit score. I am a good and loyal customer and it is my hope that you will take care of this matter quickly.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$600.00} XXXX - XXXX XXXX XX/XX/XXXX - {$1800.00} XXXX - XXXX - XX/XX/XXXX - {$1500.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

On XX/XX/XXXX at XXXXXXXX, I purchased a XXXX card ( aka Vanilla Visa ) with a balance of {$80.00} from XX/XX/11. I made two purchases on XXXX ( $ XXXX {$30.00} ), after which the card was locked and I was unable to check my balance. Another purchase on XXXX for {$10.00} failed so I called them on XX/XX/XXXX at XXXXXXXX 

The customer service rep took my full information and asked me to verify transactions. I mentioned all three above. He did not feel that this was enough and wanted to send me a replacement. I asked for the card to be unlocked and he refued. 

I asked why the card was locked and he wouldn't tell me. He also wouldn't tell me the remaining balance. At this point I felt uncomfortable and requested a final unlocking of the card which was refused. He then hung up on me.
Product: Mortgage

This is a notice of intent to sue. 

I am in XXXX, Texas and was affected by XXXX XXXX. I requested a deferment from my mortgage company, XXXX XXXX XXXX ). They granted a XXXX XXXX XXXX XXXX XXXX ( which is not what I requested or wanted and is of NO help ). Nevertheless, I was informed that " ... you do not need to make any mortgage payments. '' On the same date, I was sent a XXXX XXXX required courtesy reminder that my payment has not been sent. With all things the same, I have never been sent such a reminder. I am not sure if legal timelines are being followed. Today, XXXX/XXXX/XXXX, I am aware that CM has reported my account to the credit bureaus as delinquent. This has significantly changed my credit score. I KNOW that they have erred and will sue if not corrected immediately! CM has not been good to its customers during this time. I recognize that they have the right to help or not help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a member at Sam 's Club. I applied for a business credit card. I never had given any of my personal information to them on the business credit card application. However, they somehow accessed my personal information without my consent. My application was denied but I never received any letter stating why. I have called and I was told on XX/XX/XXXX the inquire will be removed within 1 week. And still no removal.
Product: Student loan

i was attending XXXX university when I took a loan out for school. when I started the XXXX XXXX   and XXXX XXXX degree I was as least two years in when I tried to do an intern program with a XXXX XXXX office. I was told that I will not be able to do so because I was a XXXX. I called the school and asked why I was told I can take this type of course with a record. I Did you inform the school of this status before the loan was certified or originated they said I should be fine. well it turns out I wasn't fine,. I called the department of education and was told to submit the loan discharge form and on it it asked the reason. I wrote on there because I was a XXXX  and showed them the proof of this. I shouldn't have to pay it back for them telling me I was good when I really wasn't. not for that degree or field. the department of education said it the proof wasn't good enough. then what is?
Product: Credit card or prepaid card

On XX/XX/XXXX I made a {$59.00} purchase at Best Buy on my Best Buy Credit Card. In XXXX I made a {$30.00} payment. In XXXX I made another {$30.00} payment. I thought I had a credit of {$1.00}. XX/XX/XXXX I receive a collections letter from Citi Bank asking me to call. On XX/XX/XXXX, I try to access my online account to see what's going on and I'm locked out of my account. I call. I am transferred and put on hold repeatedly, spending over an hour trying to sort this out. I am told by 5 different people that my last payment incurred an interest charge and a late fee and then repeated late fees for the late fees. All the while, I have no idea. I never received a bill in the mail or via email. They told me I was signed up for online billing ( did not knowingly elect that ) which means, I have to go onto my account to see what is on there. Here 's the catch - if you're late, they lock you out of your online account. So I believe I have paid for my item and in fact, have a credit balance - meanwhile, they are charging me interest and late fees and I have no way to know that because they don't notify you and you can't access your account that they lock you out of. On top of that, why would a consumer even check their account in the first place when they haven't purchased anything with that card and last they knew, had a credit? I have paid them and closed my account effective today XXXX XX/XX/XXXX ). However, I am complaining to you because I want action for corrupt business practices. This process is corrupt and the intent is to fleece consumers. This needs to be stopped. I will never purchase anything from Best Buy again and I will not elect to do any additional business with Citi Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that someone stole my identity and opened many accounts without my permission or authority, no police report or fraud affidavit is possible and no information or document is in my possession. XXXX XXXX, XXXX XXXX are not my accurate names : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These addresses are UNKNOWN to me. I never lived at these addresses : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX Please block and remove these accounts from my credit report on my credit report which are UNKNOWN to me.One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act, please.

A copy of my Utility Bill, Drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by XXXXExperian not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

I was informed today XX/XX/18 that I have had a debt held in colllection for 5 months. Today was the first time I had heard the debt existed. I was also not informed that I had a right to dispute. As a result I have 5 months of bad credit reports. According to the company they had sent letters to me since XXXX. They were using an address from XXXX XXXX, who had the wrong box number. I never received these letters. They also said they attempted to call me in XXXX. I do not answer numbers I do not recognize as I receive a lot of telemarket calls. Today was the first time they left a voicemail. I responded immediately. I find their claim of contact very abusive. 

The debt originated from my old apartment run by XXXX XXXX. I had paid a cleaning fee before moving out of the apartment. They had said that the damage in the apartment required additional money. I requested proof as the pictures I was given looked the same as when I had left indicating that the original cleaning fee I paid had not been used. Additionallly, the water heater exploded months prior due to a contractor used by the apartment when fixing a leak that caused a majority of the damage. I sent them a letter contesting their claim. I never received anything back from them. No email, mail, or phone call. I would like the original claim removed and once again the charges on my credit score resolved.
Product: Consumer Loan

We have been working with Presto Auto Loans of XXXX arizona. We had taken out a loan XX/XX/XXXX for {$5000.00} and now as of XX/XX/XXXX we have still not come to any conclusions or resolutions. Presto Auto Loans has since reported our vehicle as repossessed to the credit companies and we do not know where the vehicle is! They have not cooperated at all with our complaints and desire for an inquiry, we have made countless calls that have fallen on deaf ears. Countless emails have been written to the supposed " vice president '' XXXX XXXX but his replies are of a snarky rhetoric that demands we go to the police as it it now a " police matter '' we also have been told that the car has been reported " stolen ''. Nothing has been done on Presto 's part to help us with the investigation and have been extremely uncooperative.
Product: Debt collection

I contacted Caine and Weiner - XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX to discuss installments to take care of an old and disputed ambulance debt. In setting these up, I happened to ask about a settlement cost. The kid put me on hold to talk with his manager and then returned to tell me that a " settlement '' of the debt could be attained for {$920.00} and change. While this was a hideous amount for me to budget, I agree to use my XXXX XXXX card to do so. I was told the " settlement '' information would get to the credit bureaus in about a month. I checked the bureaus and they show a balance demanded.
Product: Debt collection

There was an issue with amounts owed to the bank and communication - Once there was a communication I paid off the debt. This company wont listen and they wont stop calling.