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

Firstmark is reporting a balance & collection account status every month for an account that has an original delinquency date >7 years old, was included in ch XXXX bankruptcy in XX/XX/XXXX & discharged on XX/XX/XXXX. I have disputed multiple times, and to date the account has been removed from the other bureaus but still remains on XXXX 

Firstmark responded to previous disputes that the original date of delinquency is XXXX because they placed the loan in forbearance from XXXX due to me being in ch XXXX bankruptcy during that time, and that the loan obligation was not discharged through the ch XXXX bankruptcy proceedings because it is a student loan. They kept the reporting the same only removing the CO status from the months that I was in ch XXXX bankruptcy ( XX/XX/XXXX-XX/XX/XXXX ). 

The original date of delinquency is defined by the credit bureaus & FCRA as, '' the date the account first became delinquent and was not brought current.This date is used to determine when the late payment information is deleted from your credit report ''. 
Student loan due dates are determined by a promissory note, and this one states that it becomes due upon my graduation, which was in XXXX. Therefore, the account originally became due in XXXX. This account was never paid or brought current & the lender confirmed that in the previous dispute. From XX/XX/XXXX-XX/XX/XXXX I was in ch XXXX bankruptcy & this account was included. In XX/XX/XXXX I was in Ch XXXX bankruptcy and this account was again included because it was a surviving debt from the last bankruptcy. The problem is the lender re-aged the account to XX/XX/XXXX but also is reporting negative as if it is a new debt. If the lender placed the loan in forbearance from XX/XX/XXXX-XX/XX/XXXX it was at their own option for their own purposes of meeting the requirements of the bankruptcy law, and it has no variance on the original date of delinquency per FCRA definitions for credit reporting purposes. Firstmark is using XXXX as the original date of delinquency when this account became due in XXXX & was never paid or brought current.This is the very definition of illegally re-aging the account to extend the time period that they negatively report to the credit bureau. 

All I want is a clean slate credit-wise, which is what bankruptcy is intended to do, and I have had to file twice in order to get even remotely close to one, all because when I graduated I was unable to land a job that paid little more than minimum wage due to a recession that lasted almost a decade. I am entitled to have this negative information removed from my credit due to its age and I will continue to fight for it, even if it requires me to file suit and sue for damages, which are quite extensive at this point. This account has been negatively affecting my credit since XXXX. 

I do not agree that I owe this debt. No statements in this correspondence are an acknowledgement of any debt. 





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Product: Debt collection

I asked to obtain a copy of the signed lease. The information was used without my knowledge. I was not given proof of the debt to send to an attorney to dispute or find out what steps I could take to remove the debt. I called mutiple days to ask for the information and no one replied.
Product: Credit card or prepaid card

I received the card in early XXXX. I can not use the card to pay bills. I have tried to use the bill pay on their website- I have authorized everything it said I needed, but it keeps taking me back to the general login. 
I tried paying directly with my card online. It was declined multiple times. 
I have spent so much time trying to get my money. 
I have not received any support for my children since XXXX and now I can't get my money off this card. I am extremely frustrated. 
I have called several times and no choice leads me to a human. I called domestic relations and they told me to call the card number. I am afraid I will pass my 6-call limit and start getting charged for calling ( which is absolutely ridiculous )
Product: Debt collection

I have 3 collections reporting on my credit report I dont recall or believe to be fraud XXXX for {$220.00} XXXX for {$340.00} XXXX for {$990.00} I already have tried disputing serval time and called XXXX who sent me to a collector which is Finance System Of Toledo INC I went to hospital they said the medical debt were base out of or from and they said they not aware of or know anything about the alleged debt. I ask that these 3 collections be deleted immediately that cause 3 derogatory marks on my credit report. Next will be legal action
Product: Credit reporting or other personal consumer reports

I did not get a response for the 605 ( b ) Blocking Request for the Fraudulent Accounts on my consumer credit report that was sent to credit bureaus over XXXX MONTHS ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account #, has violated my rights.

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
Product: Mortgage

For over a year now I have been trying to get a refinance with Wells Fargo Home mortgage. Needless to say they played games with me. I got the State of Maine involved, and they are playing games with my representative. They do things like say they do n't have phone numbers, and both times they transposed the area code XXXX instead of XXXX saying that is why they did n't return calls. I can understand it happening to one of us but not both of us, separately? They send us forms, we fill them out and then 2 months later they say it is the wrong form, when its the form they sent us and there is no difference but the date at the bottom. It needs to be filled out again. They recently have raised my payment by {$3.00} and did n't tell me. I think they are supposed to send me a letter with the change I still dont know why. They held it and did n't apply it to the loan, this affects my credit adversely. They transposed my social security number on my loan causing more issues. I fax them paperwork and they lose it. My proponent from the State of Maine is very disgusted with them and has great notes. He has filed another complaint with another organization on my behalf. Its really bad. Currently I am employed by a private college, they have their way of doing things. the YTD earnings is not on my paystub. Wells fargo is being very difficult regarding this. I am NOT going to be able to change the entire university 's pay system to accommodate Wells fargo. I did get the the information in another document and I provided the phone number to the accounting department. Numerously I have submitted paperwork, and they come back wanting paperwork to prove the same thing I just sent them. For example, they asked me for a letter stating that I live on the property, I wrote the letter dated and signed it. I will bet they will reply saying they want more information on this in order to stall. The will only take submissions via Fax, EVERYTHING is very difficult. I get very emotional because this is my home I have raised my children in and where my husband died. They know I have equity and they want me to lose it so they get my equity. This complaint is for a refinance, handling of my payments and hardship refinance. this is the most frustrating process I have ever been through. I am XXXX my husband was in the XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an adequate customer service And unfair practices, Which violates the Customer 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 For these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Help! I have contacted XXXX on XX/XX/2022 in regards to a fraudulent bankruptcy case XXXX that XXXX provided to the consumer reporting agency. The agent stated that they was a dispute in process and to call back on XX/XX/2022 to get the results. I called back XXXX XXXX the agent told me that the Bankruptcy case XXXX has been remove from their database. I was placed on hold after I told them their duties of the law. I was hung up on and this is stressing me out. XXXX continues to break the law. The FCRA 15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. XXXX continues to say that they don't have anything to do with the consumer reporting agencies. 15 U.S.C 1681s-2 ( 2 ) The duty of the furnishers of information is to correct and update information. The FCRA also prohibition reporting information with actual knowledge of errors. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ). LexisNexis is willfully noncomplying with the law.15 U.S.C 1681n ( a ). LexisNexis has a duty to ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I made the payment for my loan, 2 days later I got an email saying my payment was late so I went on and made the payment again. Next day I realize I made XXXX payments, I called lendingusa and asked if they could move the additional payment to the following month 's payment and I was told yes no problem. XX/XX/XXXX I get an email that my payment is late. Today I called lendingusa and I was told my request to move my payment was denied and they applied it toward the principal. I asked to speak with manager XXXX and he told me there is nothing he can do about it and I need to make the XXXX payment. I asked him why was I not contacted and told this so I could have requested a refund and then used it to pay my XXXX bill and I was told that's not there responsibility. How is it not when I was told my payment would be moved to the XXXX payment. But they kept my money and made interest on it and now want me to make another payment. I told them you can refund me my money and I'll pay my XXXX bill with it. Then I was told that will take XXXX weeks and then you will have a late fee.
Product: Debt collection

In XXXX of 2018 I purchased a cell phone and plan from XXXX. I put my account with them on auto pay, primarily because of my health and XXXX XXXX. I explained to the representative that this was the reason and that it was imperative that my service not be interrupted for this reason. 

In the following two consecutive months my phone service was interrupted twice for no apparent reason through this company was paid from the auto-pay I had set up. 

I called them and explained that I could not trust my life to their service and switch to XXXX XXXX. They placed me up for collections, I disputed it and it was taken off my credit report. 

This company Source Receivables Mng., has brought this old debt from XXXX and is trying to collect on a old settled debt. This company sent no letters or information about their intent to collect and therefore has been the cause of thirty plus point loss on my credit report. This was wrong and very damaging to my credit.
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 : Balance : - {$8200.00} Account Name : XXXX : Account Number : XXXX : Balance : - {$2000.00} Account Name XXXX XXXX  : Account Number : XXXX : Balance : - {$1100.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : ( XXXX XXXX Creditor ) : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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: Vehicle loan or lease

This company calls at all hours of the day, switches the phone numbers they are calling from, they call numerous times per day. They are the finance company I bought my car through, theyve threatened if I dont pay now theyre going to report negative to my credit report. My car note is due the XXXX of every month, they get their payment before end of month but they dont stop calling until they do. My household has been income impacted because of COVID they are aware of this, weve asked them to stop calling us because they still get paid every month is just not on the due date. They call my boyfriend all day every day and they call me all day every day. This is harassment at this point I want to file a suit. Theyve called from XXXX, XXXX, XXXX, XXXX, their number is always changing they are located in Florida theyre not even supposed to be calling from a XXXX area code that is XXXX WI.
Product: Vehicle loan or lease

I received to pay off quotes on the XXXX of XXXX which had to be paid off by the end of that day for its to still be valid, and which I did I was misled into overpaying by {$1000.00}. I then have the printout of the payoff quote which clearly says that the Gap refund and service contract refund was not included in my quote are neither of the quotes from XX/XX/XXXX. I then file the complaint with the consumer hero because they took over a month to give me my money back which was just a reversal on the extra payment I made. Then I got something in the mail saying that my title was released electronically and any Gap or service contract refund was not included and I should be expecting a check. Just about one week ago which is about XX/XX/XXXX I received another print out in the mail saying that my account has been credited with my Gap payment and my refund amount service refund which is impossible and not true because I've already was closed out from the first time you sent me a letter saying that my lease my lien was taken off already good because I paid it off. I called them yesterday XX/XX/XXXX and had them sit there and lie to me over and over again about within correct dates and incorrect mouth and we're not did not give me the time to even explain anything to Dad because they were so sure they're right when I have all the documentation and paperwork proving that they are in fact wrong and they are very ignorant and rude people they need to be shut down because of the way they treat others and somebody should sue them and take everything that they have because they don't even deserve bread to eat. They lie they charge interest and get mad when you make payments late which I've never made a late one but yet they can't pay you back on time and they're just liars and they're greedy and they're scandalous and are misleading and they don't do anything they say they're going to do by their own contract and I want my money back now it's kind of sad they thought they were going to get over on me because they made trick me into overpaying for no reason because our system doesn't work correctly well unfortunately it's not going to work because I'm not just going to let them rip me off like everyone else off
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these inquiries which are affecting my credit report XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX I do not recognize this account which appears as a collection on my credit report, please delete : Account name : XXXX XXXX XXXX  Account number : XXXX Balance : {$290.00} Account name : XXXX XXXX XXXXXXXX Account number : XXXX Balance : {$0.00}
Product: Debt collection

hello ordered an XXXX ring returned it 5 days after receiving it was going to use Affirm to pay for it they got reimbursed for the loan 3 weeks after i ordered it but day they didnt get enough says loan was for {$330.00} but XXXX gave them {$310.00} want me to pay the difference the ring price was {$290.00} with tax it was {$310.00} Affirm says its not interest but wont tell me WHY i should pay them {$18.00} returned ring 10 days after receipt they were paid by XXXX im not paying this extra charge if they do this to all customers they are taking LOTS of money off people for no reason! i DONT WANT tjis affecting my credit report and i DONT want them adding late payments ive tried to work this out they insist i give them {$18.00}!
Product: Credit reporting or other personal consumer reports

Experian placed a account on my credit file that doesnt belong to me the creditor doesnt even know who I am but Experian refuses to remove that account
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the unknown inquiry appeared on my credit file. Despite my prior attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. As a result, I am reaching out once again to request your immediate attention to rectify this matter. 

Upon reviewing my account statements, it is evident that several transactions have been made without my authorization or recognition. I have attached documentation supporting my claim, including statements highlighting the fraudulent items and any relevant information I could gather to assist in the investigation. I kindly request that your team take urgent action to investigate and remove these fraudulent items from my account. Additionally, I urge you to implement measures to prevent similar occurrences in the future. Please help remove this inquiry immediately : XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX is reporting two accounts for the same auto loan which is a violation of the FCRA. They have the responsibility of reporting the correct information to the Bureaus. I have sent them letters and they refuse to correct this misinformation which is hurting my credit rating. 

The first alleged account states that it was opened XX/XX/XXXX with no recent balance reported. Status Transferred closed XX/XX/XXXX. 

The second alleged account states that it was opened XX/XX/XXXX with a recent balance reported of {$9200.00}. Status {$8600.00} was Charged off XX/XX/XXXX. 

None of the information reported makes any sense.
Product: Mortgage

Mr. Cooper aka Nationstar Mortgage sold my loan to XXXX but never forwarded my last payment to XXXX causing a default in my mortgage and false negative payment history on my credit report
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> DEPT OF ED XX/XX/year> DEPT OF ED XX/XX/year>
Product: Bank account or service

My checking account has no overdraft protection and I explicitly declined it before. However, I was still charged a {$35.00} overdraft fee by the bank.
Product: Credit card or prepaid card

I have an amazon 5 % card. In XXXX it showed I had XXXX cents in rewards. I log in today and it shows XXXX rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft, This account does not belong to me see attachment ...
Product: Vehicle loan or lease

The information is credit report is inaccurate information. The address is incorrect, the dates are also incorrect. Someone has compromised my ID
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, creditors have violated my right. Under 15 U.S.C section 166B states 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.