23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently filed a complaint related to this ; I should state that this is a follow-up complaint to the complaint # : XXXX The company contacted me and verbally stated that they would be willing to close out the case for ( something around ) {$360.00} and that they would make it so that it didn't show on my credit report, as I suggested as a reasonable solution in my previous complaint. I asked them to send this to me in writing along with the proof of why I owe this money and they agreed. 

The letter I received in the mail from them said they would be willing to close the account for approximately the amount stated above ( {$360.00} ). I don't have that letter with me at the moment, which is why I am estimating. They did not provide any evidence of the amount owed or agree to remove this remark from my credit report as they initially told me. 

So I called in to request that they make the correction and send me the letter with the wording and documentation as previously agreed upon. The representative that spoke with me told me that as a company they do not remove anything from the report so they don't know why the previous representative told me they would. She asked if I would like to pay the amount and close the case, to which I declined until the conditions were met. I told her I would write to the Consumer Financial Credit Bureau again regarding the matter and she suggested an alternative. This was to allow them to perform a case review which would take " up to 5 business days '', and asked me to call back then to see if they could do anything else.

I agreed and called back 5 business days later, just before writing this, and told me that there was nothing noted and to try again tomorrow. 

At this point I have spent more time trying to get to the bottom of this and resolve the amount they claim they I owe them than is worth that hypothetical dollar amount. I say hypothetical because they haven't once provided me any proof that I owe them anything. It was just a number that they presented without any proof. Let me repeat this, there has been no evidence of the amount they say I owe them presented to me, and not only are they insisting that I owe them, but it is showing up as a delinquency in my credit report. 

Since I hadn't previously been too aware of the effects of my credit, I didn't realize how much it had effected me. When I bought my last car, the rep told me that if that hadn't been on my report the interest on that loan might've been close to half of what it was. Meaning this could've cost me hundreds, if not thousands of dollars over the past 3 or so years. 

Upon further inquisition on credit reporting, I was also told that paying the debt just to be done with it ( even if I didn't owe the money ), could change the status and cause it to remain in my credit report for 7 years from the date of the change of status. I don't think it is a fair outcome given the circumstances I have delineated in this and the previous complaint.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX, I sold a XXXX XXXX XXXX. He sent me a payment of {$1100.00} via the app CashApp. The transfer showed successful. After I walked back into my home and opened my phone to transfer the funds to my bank account, CashApp decided to cancel the transaction. Leaving the buyer with my money and laptop, which he happily decided to keep and run away with. I've confirmed with Cashapp that they're the ones who cancelled it. Their reason was to protect me, which they did the exact opposite of. I reached out to them and they recommend me solving this issue " outside of Cashapp ''. I filed a police report and am still fighting with cashapp.
Product: Student loan

I am a class member of the XXXXXXXX XXXX XXXXXXXX lawsuit and received 100 % discharge due to the settlement of the lawsuit. Only part of the loans have been discharged yet when I review my account on Studentaid.gov, it states that my discharge is complete. I have reached out both to my servicer Nelnet ( whose reps are amazing but have access to only a very limited amount of information ), they tell me to reach out to studentaid.gov. When I reach out to studentaid.gov, the reps ( who are almost as good as Nelnet but also have very little access to necessary information ), tell me to reach out to Nelnet. I am getting very frustrated with the fact that neither one has any information, can not tell me what is happening with the discharge of the loans, and keep referring me to the other entity. While I do not want to disparage any of the reps, the handling of this mess is leaving me very bitter as I want an update on what is exactly happening. I am tired of being told to just be patient as my patience has run very thin. I would like the Department of Education to provide the necessary information to Nelnet so that I can ascertain where my loan stands and take necessary steps regarding the suit if needed. I have been calling nearly every week and still have not received my full discharge, my full refund, or any information as to where my account presently stands. I had recently made a complaint to studentaid.gov re their procedure and was bounced back to Nelnet even though the complaint was not about Nelnet
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Product: Credit reporting or other personal consumer reports

Previous COMPLAINT ID XXXX The accounts are inaccurate. However, Equifax received notarized letter and proof of my identity. I have proof of delivery receipt. Five months later, the Credit Bureau has not been able to verify/validate this as my debit. After multiple requests, I have not received credit applications or contracts with my signature. Yet Equifax is continuing to report the below accounts as my debit, furthermore violating the Fair Credit Reporting Act, Section 609 and Fair Debt Collection Practices Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The companies are trying to collect monies from me when I never had any consumer dealings with them. They illegally brought my information in an attempt to add collections fees and charges onto an account that could or could not be mines. The constant harassment is causing my XXXX and XXXX to worsen.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX I have sent several letters for inaccurate and unknown on credit report ( Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days ) - Its been over 60 days and should be deleted promptly. I demand inaccurate accounts be deleted immediately or I will file litigation due to the stress of inaccurate and unknown accounts on report. My information was also compromised by XXXX  data breach and may have landed into the hands of the wrong person.
Product: Credit card or prepaid card

During the pandemic I lost my job and couldnt make the monthly payments on my credit card. I tried to postpone the payments until I got a job again and it was postponed only for a month which wasn't enough time. This cause my credit to lower and thus is now causing even more hardships.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes on XXXX I purchase a car XXXX XXXX XXXX, on XXXX I purchase a house maybe when I move the mail get lost and I did not get my title when I paid so at this time when I want to sell my car I look for the title and I remember that I never got it so immediately I when to motor vehicle on the beginning XX/XX/XXXX so I found out when the agent told me that lien release was never send it to them they provide me the XXXX XXXX so they can faxed to them and get my title but was not provided because when I called the bank told me that my social security is not the same I provide all the papers including the driver license when I purchase the car the bank account with the amount I was paying I email on XX/XX/XXXX and almost every day I call to see if they need some more information or requirements but every day is something new either don't find me neither with the vin # i feel that I paid my car a gost bank really very frustrated situation because my car been paid in full.all I want is my tittle something that I paid for.
Product: Mortgage

After reviewing different lenders to help secure a conventional mortgage loan, I thought it would be great to use Navy Federal Credit Union as they are my main bank. Using the app, I reviewed the mortgage rates, and on the main page of Mortgage Rates states, No matter what your circumstances are, we have the right home loan for you. Need help deciding which loan option works best for you? I knew my credit score needed work but that first statement made me feel like Navy Federal would work with me and help me obtain a loan. I entered my information on Tuesday, XX/XX/XXXX, and paid {$19.00} for them to pull my credit. I submitted my paystubs and other information the next day on Wednesday but the decision had already been made that my loan was denied. I emailed the loan officer associated with my application, asking for them to help me understand why and if there was anything else that can be done to help me achieve getting a conventional loan and get me out of renting? I only get sent a canned response that I should contact the credit bureaus and Ill receive a letter in the mail. None of my questions were answered. I would not have entered my information, paid for my credit report to be pulled, and cause more harm to my already middle ground credit if the statement had been changed to something such as, No matter what your circumstances are, we have the right home loan for you when credit criteria are met. or something along those lines. As it stands now, my credit has been hit, Im out {$20.00}, and no one wants to help me understand or provide some time of information that could help me obtain a mortgage loan.
Product: Debt collection

Sequium Asset Solutions is calling me constantly telling me I owe viasat XXXX for a satellite dish they installed on my roof. After I cancelled their service for not being able to provide me with the service I was paying for I explained to them we were older and not well and could not climb on the roof to take the satlalite they installed down.and told them they were more then welcome to come retrieve it from our roof. 
We constantly are being harassed by phone and mail .by Sequium Asset Solutions LLC XXXX XXXX, XXXX XXXX GA XXXX. XXXX ref XXXX I do not owe them any outstanding money.
Product: Checking or savings account

XX/XX/2022 XXXX were deposited into my account from a fraudalent location later on a check deposited was returned XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXXXXXX XXXX XXXX {$1500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$660.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$350000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$100000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit. I notice that they where inaccurate Accounts on my credit
Product: Credit reporting or other personal consumer reports

Resurgent Receivable LLC Status : Opened Reporting : collection Balance : {$1600.00} open : XXXX, 2023 ( XXXX mos ) ( REMOVE THE CEASE AND DESIST ) In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : RESURGENT RECEIVABLE Opened:XXXX  Balance : XXXX. ILLEGAL INFORMATION 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 usc 1692c/ 15 usc 1692g ( b ) not valid and violating 15 usc 1692 ( 8 ) ( E ).
Product: Debt collection

Received a voicemail on XX/XX/XXXX from a XXXX from number XXXX. She said that her contact number is XXXX ext XXXX. I called back XX/XX/XXXX and was told that I have another debt from my identity theft from XX/XX/XXXX- like the other debts that have come up in Texas. Procollect is the company 's name and their address is XXXX XXXX XXXX XXXX, TX. I let her know that I was disputing the charge because it is not my debt. She told me to file a police report and send it to XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed some inaccurate information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account CHASE CARD Opened Date XX/XX/2015 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

XXXX continues to lie and take responsibility at the same time. I recorded a face to face meeting with XXXX XXXX XXXX  and in this legally acceptable recording, they clearly reject and deny what XXXX continously attempts to project too me through their own responses. Which is blatantly false, filled with lies and misinformation by XXXX. The recording states that XXXX  has provided no such approvals to XXXX XXXX XXXX In fact in this recording they agreed based on their own personal inspections of my multiple issues the following : they agreed the jobs were not done legally or properly thus not a complete or proper job ( s ) were done. Illegal. Out of code issues. etc. No permits. And damages caused by such. No emails that i have sent for months now have been replied to by XXXX, as well as my documented call logs etc ignored. The only time XXXX  has responded too me is through XXXX  or the federal complaint I filed previously, that can be observed through this attached document. XXXX has continuously lost in court in regards to this XXXX and XXXX  contract they approved and accepted. Their denial of any responsibilities and at the same time in these response complaints they also allegedly take responsibility by allegedly making efforts. However in filing responses too my fed complaints they signed off on not lying and being truthful. Clearly they lied about XXXX XXXX XXXX and fixing the multitudes of issues I'm being forced to pay for that were not completed or even done legally.. As can be annotated by the attached letter from XXXX  and my recording of XXXX XXXX XXXX showing XXXX XXXX XXXX  the letter XXXX  wrote previously to my federal complaints. 

I can upload the face to face recording if requested.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, This is an official complaint regarding the handling of my student as a doctoral student. I am at the end of my coursework and working on my project. This has never happened to beforehand, and the person handling my appeal is be negligent. I have sent documentation and also explained my circumstances. She insists on getting a credit report, but there is fraud on it and other incorrect stuff. I start school on XX/XX/28. I am tired of explaining and her denying my school loans because of XXXX collections of accounts that need to be corrected. 



That is incorrect. My stuff is under investigation for fraud. So that is only possible once they are done fixing everything. So, I need to reach out to someone myself. You are holding up the process and making it difficult for me to complete or complete anything. I explained the situation, and you need to be helping. I don't need payment arrangements on balances or information that is correct or fraudulent. Plus, the medical bill is coded wrong and should be covered under my insurance. I called XXXX, and they told me to call XXXX and XXXX, which must be corrected. My charge card from XXXX was just closed because of identity theft. You can not get a credit report when it is under investigation. So, this is my formal complaint to the CFCB and the Federal Trade Commission, and I also forwarded it to XXXX University. 



XXXX XXXX
Product: Credit reporting

I completed annual credit report request form for all XXXX reporting agencies and mailed the form to : XXXX, GA XXXX. I immediately received in the mail my annual reports from XXXX ( XXXX/XXXX/16 ) and XXXX ( XXXX/XXXX/16 ). Experian sent a letter on XXXX XXXX, 2016 stating they needed more information and provided an entire list of verification items required. The letter stated that I could also get a copy of the credit report online. I tried accessing the credit report online from XXXX as instructed but could not obtain the credit report using that method. I then made a copy of my drivers license, provided a copy of a utility bill along with the original form that contained all the info such as name, social security number and other requested info and mailed back all the documentation. I received another letter dated XXXX XXXX, 2016 stating my info was either insufficient or illegible. Neither situation applied. I provided all requested info with clear legible copies Once again, the letter stated I could go online to obtain a copy of my credit report. I then attempted to go back online and was still unable to get the report online. There is no telephone number for Experian or XXXX that allows me to speak with a real person! Experian has made it impossible to receive a free copy of my credit report while XXXX and XXXX simply provided the report based on completion of their form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. EXPERIAN : [ XXXX XXXX XXXX XXXX ] THIS ACCOUNT WAS LISTED ON MY CONSUMER REPORT MULTIPLE TIMES. ONE LISTED FOR {$150.00} WAS REMOVED. THE OTHER LISTING SHOULD BE IMMEDIATELY REMOVED DUE TO REPORTING INCONSISTENT BALANCES ACROSS THE BUREAU. XXXX : [ XXXX XXXX XXXX ] XX/XX/year>. THERE ARE MULTIPLE LISTINGS FOR THIS ACCOUNT ON THE CONSUMER REPORT. THIS IS INJURIOUS TO MY CREDITWORTHINESS AND SHOULD BE DELETED IMMEDIATELY DUE TO INACCURATE AND INCONSISTENT BALANCES ACROSS THE BUREAU. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.