23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I was approved for a {$600.00} installment loan. I was to make a total of XXXX payments. The interest rate on this loan is 780 %. In XX/XX/XXXX, I made the XXXX payment and had already payed {$2000.00} at this time. I called their customer service department and the lady I talked to told me if I made 1 more {$410.00} payment then the loan would be considered payed in full. I did not have that payment at the time so I defaulted. I tried calling back 3 months later and I was told that was a one time deal. I have tried working with XXXX or XXXX to put all debt together so I can pay everything off. I find out today ( XX/XX/XXXX ) that Cashlinkusa has sold my debt to a debt collector office called XXXX XXXX. ( XXXX ) XXXX. They informed me that the interest is still being added even though I have not received anything from either company. I was informed that I now owe {$4100.00}. And that's on top of the {$2000.00} I have already payed. So in total, I took out a {$600.00} loan and I am being told I have to pay a total of {$6100.00} back. I have the email from XXXX XXXX showing all this information and the original Loan agreement as well as proof I have already payed {$2000.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XX/XX/year> to be removed. 

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

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


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that a few accounts on my credit file with Experian be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Debt collection

they keep calling me to get debt i do not owe. i couldnt understand the women she was talking too fast but she mentioned that the debt belongs to comcast. i do not owe comcast anything and comcast did not contact me about any debt issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account with XXXX XXXX XXXX with Experian and on XX/XX/XXXX they claimed that the company verified the information to them. I find it funny how they verified the information with Experian when I also directly disputed the information with XXXX XXXX XXXX and did not receive validation fully this alleged collection is reporting inaccurately to my report. I was never given valid validation from Experian about this debt how can Experian verify this debt as accurate with the dates all out of sorts they claim this alleged debt was opened XX/XX/2013 but claim the alleged medical service did not happen til XX/XX/2013. I was never provided from Experian are XXXX XXXX XXXX a copy of the hipaa authorization form are any contracts with my signature bearing responsibility to alleged debt. Experian would not give a explanation of how they verified the alleged debt. By no means is this debt valid are do I have any ties to said alleged debt.
Product: Checking or savings account

I obtained a sample online in which I agreed to have the company mail to me in the amount of {$5.00} -Eye Serum ... w.in 2 weeks later they tried to charge my CC an amount of {$89.00} ... I called my bank and advised I never agreed to such / there was NOTHING on line in which I would agree to such as I NEVER would have purchased same. they provided me temp credit and now I received a response from Bank stating they are reversing that credit onXX/XX/XXXX however failed to provide me ANY documentation ... They are NOT protecting me as their customer and this is NOT acceptable.. I never agreed to such and if the company is stating I signed anything it was NEVER online or via mail so it is FRAUD!!! I HAVE emailed Chase w. no response.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 
XXXX XXXX
Product: Debt collection

Credit Collection Serv. ( Account # XXXX ) has reported a collection account to both XXXX and XXXX without allowing me an opportunity to request validation of this alleged debt, which is a violation of my consumer rights under 15 U.S. Code 1692g. I was never provided proof that this alleged debt belongs to me, the name of the original creditor or that the amount of this alleged debt is correct. I have sent in multiple validation request letters to Credit Collection Serv, and I have yet to be provided with validation of this alleged debt. This alleged debt is unfamiliar and to my knowledge, unvalidated. I have also tried disputing this account with XXXX and XXXX on multiple occasions and each time my dispute results have come back as " Verified ''. This is frustrating to me because my consumer rights are clearly being violated and the collection company has yet to respond to any of my validation requests, but XXXX and XXXX have continued to report this information as accurate on my consumer credit file.
Product: Credit reporting or other personal consumer reports

I have had fraudulent information applied to my account twice now by XXXX startng XX/XX/XXXX up to XX/XX/XXXX. Causing multiple credit score drops, this information was not verified by this agency before applying to my credit report.I contacted my bank and my credit limit was not dropped, also my credit length with multiple companies is not correct also Causing another score drop. This company reports any negative information immediately and does not report any positive info for a month or better. Thus Causing multiple score drops and a yo yo effect to my credit scores..if you use your credit your penalized, if you don't use your credit your penalized. If you don't have 20 accounts opened your penalized, if you pay your total balance monthly your penalized..this is a no win situation and needs to addressed and regulated more.credit history plays a big part of life and living and these companies are playing games with our livlyhood.the cfpb needs do something about it and not ignore these ongoing problems like you have in the past
Product: Mortgage

We finished a chapter XXXX bankruptcy in XXXX 2015. We fell behind in mortgage payments in XXXX because i did not have a job yet. I became employed in XXXX and contacted Shell Point mortgage servicing to start a payment plan to catch up on the past due balance and resume payments. We started discussions with them XXXX XXXX. Our initial phone call we spoke with a loss mitigation rep and talked numbers. We discussed a 12 month repayment plan and the first contact indicated we should be able to start the repayment immediately. They also said there were no fees being added each month. Our rep kept saying it needed to be approved by the investor. We sent our financial documents to them by XXXX XXXX. I have called every week. In XXXX they said we were approved for a loan modification which I said unequivocally several times we DID NOT WANT. We have the funds to catch up on payments. Every call I have asked when we can start repayment. I get a call from our rep XXXX XXXX every 2 weeks. ( I call at least once a week ) we STILL do not have a repayment plan. I believe they are trying to force us into a loan modification now. We want to wait and refinance when our credit is back to normal. We are ready to start paying them the money ... I ca n't figure out WHY they wont start the repayment plan. You would think the " investors '' have a fiduciary duty to their investors. They have to have some motive for delaying our repayment plan. With chapter XXXX we could get up and just leave. But we dont want to- we want to PAY them the amount owed. If our balance gets too large they will deny us any repayment plan or I am sure ask for the complete financial package again to delay further. This is now over 3 months .... all we want is the repayment plan! Now they are piling on fees with no explanation. The rep says there are no fees- but when I pull the loan details they are there clear as day
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see inaccurate accounts listed on my credit report for no apparent reason. I regularly check my report, and this time, it had errors that seemed to come from nowhere. I refreshed my browser, thinking it might fix the issue, but the accounts were still there. Im really disappointed and want to ensure that the documents I sent are thoroughly checked so I can put this behind me once and for all.
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. 


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
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Second Complaint Regarding Inaccurate Information on My Credit Report am writing to file a formal complaint regarding inaccurate information that continues to be reported on my Equifax credit report, despite my prior attempt to resolve the issue Prior CFPB investigation number XXXX. This is my second complaint concerning this matter, and I am seeking your assistance to ensure that my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., are not being violated. 

The specific issue involves charge-off accounts that were included in my bankruptcy and should no longer be reported as active or charged-off. The following accounts are listed incorrectly on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were discharged in bankruptcy, and under the FCRA, they should not be reporting as charge-offs, nor should there be any negative public record or derogatory information associated with them. However, these accounts are still being reported inaccurately on my credit file, which violates FCRA 15 U.S.C. 1681b and 15 U.S.C. 1681e.

To date, Equifax ( the credit reporting agency ) has failed to respond to my initial dispute, and the inaccurate information remains on my report. The failure to take corrective action within the legally required 30-day period is a violation of the FCRA, and this noncompliance is causing me significant financial distress. 

Given that more than 30 days have passed, I am now requesting immediate and decisive action from both Equifax and the above-mentioned creditors. Specifically, I demand that : The inaccurate charge-off statuses be removed from my credit report. 
Accounts included in bankruptcy be properly marked as discharged, with the public record removed if applicable. 
Equifax and the reporting creditors fully investigate and expunge any inaccuracies that remain on my report. 
I receive confirmation that the corrections have been made, and an updated credit report is provided to me. 
I am also seeking monetary relief for the financial and emotional stress caused by these violations of my rights. The continued inaccuracy of my credit report has hindered my ability to secure credit, housing, and other financial opportunities, which is deeply detrimental to my well-being. 

I trust that the CFPB will investigate this matter thoroughly and assist in ensuring that my consumer rights are upheld. Your prompt attention to this serious issue will be greatly appreciated. Please contact me at the information provided above if any additional documentation is required. 

Thank you for your assistance. 

XXXX XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX Certified preowned XX/XX/XXXX After putting {$20000.00} down on the truck and {$24000.00} on XX/XX/XXXX of the same year, there have been some discrepancies oh my statements and no way to get a clear answer from XXXX XXXX licensed to XXXX XXXX by XXXX, now all of a sudden i have to send XXXX XXXX more than what should be sent according to the the Statement, I never got my Veteran discount that was promised to of {$500.00}, That finance deal does not calculate right, Plesse help me CFPB
Product: Debt collection

I dont have internet with XXXX  or XXXX  my ex XXXX  XXXX used my information to obtain internet that he never paid for at XXXX XXXX XXXX XXXX TN
Product: Debt collection

Blatt , Hasenmiller , Leibsker & Moore , LLC has sued me and has been going to court dates without my knowledge of any of it. They are sueing and has threatened myself and my employer ( as of yesterday XXXX/XXXX/XXXX ) for garnishment of wages, all for an old XXXX XXXX XXXX that I did have about 8 years ago that was left with maybe about {$80.00} balance on the card before I closed it. Blatt , Hasenmiller , Leibsker & Moore , LLC is now attempting to garnish my hard earned wages without any of my prior knowledge in the amount of {$2100.00} for the aforementioned old credit card debt. They have not contacted me, and I have not received any mail from this company ever. They called my employer yesterday ( XXXX/XXXX/XXXX ) for an " active employment verification '' and my employer told me that Blatt , Hasenmiller , Leibsker & Moore , LLC had forced them to complete their garnishment report and said that it was court ordered. My employer told me what was going on so I then called the number back that they 'd called from and spoke with a representative of Blatt , Hasenmiller , Leibsker & Moore , LLC, named XXXX. XXXX explained to me that this was from that old credit card from XXXX and that it is too late for me to do anything because they were already in the garnishment process and told me that they were taking 15 % of my wages until they reach a total of the {$2100.00}. He told me that they will not offer me a payment arrangement, or a settlement because they did n't need to as they were already going to just TAKE the full amount. I do not owe these people {$2100.00}, I have never received any communication nor court papers from these people and now Blatt , Hasenmiller , Leibsker & Moore , LLC has said that they have another court date on XXXX/XXXX/XXXX at the XXXX XXXX at XXXX ( which I still would not have known of if I had n't reached out to them ). These people are bullying a law abiding, tax paying single parent like myself and I am sure many others as well. Now I have to take off of work on Tuesday ( losing more money ) to go downtown to see what can be done. Although XXXX told me that nothing can be done and that they are taking everything. How is this possible? They have also had a really negative impact on my credit report in the public records section. The actual credit card is no longer even on my credit. Please Help Me. Thank you.
Product: Debt collection

On Thursday XXXX XXXX, 2014 I received a call on my landline phone from Central Credit XXXX Services on behalf of XXXX XXXX at XXXX. The call originated from telephone number XXXX and was placed to my home phone number XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

American Express keep allowing someone to cancel and send my credit card to another address in another state. I have set up passwords, 4 digits codes, changed my email address like they requested and still they allow someone to send a card to another state. I talk to someone on Monday XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 about this problem and they still allow this to happen. The only answer I get from this company is that they are sorry and they are working on the problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies abused my credit profile without my consent, even making several inquiries about it. bank without any reason or authorization
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 items 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 items 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. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX Balanced Owed : {$0.00XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} 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: 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.

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. 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

XXXX XXXX XXXX on accounts # XXXX and # XXXX are reporting as collections on my credit report. However I never received any kind of notice for these collections nor did I receive my 30 day right to dispute letter. This is a violation of my 30 day right to dispute and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

FAILURE TO PRODUCE ANY VIABLE EVIDENCE REQUESTED IN SUPPORT OF THE ACCURACY OF ALL NEGATIVE ITEMS LISTED ON MY REPORT IN THE APPROPRIATE TIMEFRAME FOR OVER 9 MONTHS, INCLUDING COMPLAINTS SENT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU, AND STILL FAILING TO SHOW ANY TYPE OF PROOF WITH RESPECT TO THE CREDIT REPORTING ACT OR GIVE ANY RESPONSE TO MY CLAIMS, REQUESTS, OR COMPLAINTS- INCLUDING FAILURE TO SUPPLY ANY TYPE OF CREDIT REPORT - INCLUDING LEGAL ACTIONS ALREADY TAKEN - AND FAILURE TO ADHERE TO THE REQUIREMENTS, CLAIMS, AND REGULATIONS REQUIRED BECAUSE OF THE EFFECTS OF COVID-19.