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

This debt collector ( cavalry portfolio service ) and experian is in violation of 15 usc 1681 section 602 A, states i have the right to privacy.also section 604 A, also states consumer reporting agency ( experian ) can not furnish my credit report without my written instructions.gave no such instructions to experian are XXXX XXXX XXXX.also in violation of 15 usc 1692 c and b.i gave no prior Consent to experian are XXXX XXXX service to furnish my personal information to anyone.also on XXXX experian dispute department would. not let me fill dispute on this matter, saying dispute was already submitted.i dont recalled doing so was not me!!!!!
Product: Credit card or prepaid card

Hello Respected Sir/Mam, This complaint is against Comenity bank XXXX credit card. The bank offered me a balance transfer offer and I tried to use it. The bank promised that the funds will be available to use within 30 days from the request. I never received the funds and it is been more than 30 days. I called bank and asked to track the check they sent and confirm when/how the check was cashed? They don't have any details on check being cashed ever. Now they started charging me for the monthly payment for the amount of balance transfer which I never received. I called the bank multiple times but they are not helping to resolve this issue. Requesting your help to resolve this matter. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX, Experian and XXXX credit reports, I have identified some inaccurate late payments that needs reporting and correction through your company. Please see attachments below.
Product: Debt collection

Per request of XXXX XXXX ext XXXX, we have faxed proof that this payment was paid multiple times. XXXX a manager at Central Credit Services is saying that they ca n't find proof in their financial records that they received this payment contrary to our bank records showing proof of payment to " CENTRAL CREDIT SERVICES. '' Central Credit Services responded to my complaint saying we must call XXXX directly with a banker on the line to verify with an authorization code. We 've attempted to call on 5 various occasions and left multiple messages. We have documentation of phone calls as well as first party witness verification that messages were left. XXXX has failed to return any of the calls.
Product: Student loan

Hello, Currently, Transworld Collections sent a notice of SSI offset to an old address, however they had my current address, as I have received the current invoices. Because of this, they were able to convince the DOE that I did not respond, therefore DOE allowed the offset. 
Previously, I hired a student loan specialist, XXXX from XXXX, in XX/XX/XXXX. We spoke with Transworld on many occasions, to no avail. Additionally, explaining that I would be retiring on XX/XX/XXXX. They were uncooperative and gave us the runaround ( the complexities of which I will not go into here ). 
According to the info I have read on the DOE website, these people are suppose to work with student loans for rehab purposes. They were already receiving XXXX {$400.00}. per month and to rehab they insisted on an additional XXXX This was not affordable. I am retired now and on Social Security of $ XXXX month. Nor was it in compliance with - " The law has always said that borrowers only have to pay reasonable and affordable amounts. '' IE : New Rules for Loan Rehab-XX/XX/XXXX. 
They would not budge. 
A real mess that could have been avoided if they had adhered to the laws enacted by DOE. Then we sent XXXX pages of past efforts to rectify the situation to the Ombudsman 's office of DOE. No conflict of interest there ... Transworld was hired by the DOE. 
Also, I explained the predicament to a representative of the DOE-Ombudsman office, XXXX, she told us to call Transworld and renegotiate? My student loan specialist and I had done so in preceding months which we explained in the cover letter to the Ombudsman 's office when we sent the pages. 
At this point, I am hoping that your office will negotiate a minimal payoff or to rectify their use of false pretense to offset {$150.00} from my SSI. According to Social Security, collections agencies are entitled to 15 % of any monies from SSI over {$750.00}. per month, which would be {$39.00}. not {$150.00}. 
Please help me, I am running out of options ... as all the lawyers I have contacted will not take the case, saying that it is a matter for a negotiator. If I had the money I would sue DOE and Transworld. 
I have been honest and cooperative in the face of their manipulations and high-handedness ; however it is obvious that a more legal stance is necessary. 
Thank you.
Product: Credit reporting or other personal consumer reports

XXXX. Checked Experian credit report and found company reporting {$670.00}. Delinquency/ write off. Have no idea who company is or what {$670.00}. Write off is for, Thanks
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

I am now typing this for the 7th time, Equifax tells me to contact the company that has the inquiry on my report which I have stated in my last multiple complaints. I contact equifax again and am told told to create a ftc report which I have done a number of times as you can see on my file. I just spoke with equifax on Friday the XXXX th of XX/XX/year> and was told again to create yet another ftc report and I will be submiTting that now as well AGAINNNNNNNNN
Product: Bank account or service

I went to Wells Fargo on XXXX XXXX, 2016 at the XXXX location in XXXX, AL. I used the ATM to make a deposit. I had XXXX check and {$900.00} in cash. I inserted the items for deposit and the ATM stated it would send my cash back after I got a receipt only showing my check for {$500.00}. I did n't receive credit for {$1400.00}. My cash was n't credited. 
I called inside of the branch and the CSR told me he could see my full deposit of {$1400.00}. I told him I do n't have a receipt showing this amount. He told me to come inside. I did. 
The lady, XXXX XXXX, assisting me pulled up my deposit information and she said she could see the full {$1400.00}. I told her my receipt which is time stamped XXXX is only showing {$500.00}. She said well there is nothing we can do. She said you will have credit at midnight. I told her I want proof. She was impatient and had a bad attitude at this point because I told her I wanted her name since she said I would have credit. She said well whatever and signed my receipt. This whole time there are other workers saying they ca n't wait for these XXXX hours to pass so they can get off. 
I checked my account and I did not receive credit for my full deposit. I had to drive XXXX hours to this location only to be presented with the same people there from the previous day. The male worker sitting next to XXXX said here he comes. She just looked up with an attitude. 
I told her I do n't have credit for my full deposit. She said well your deposit was done after XXXX. I told her no, it was XXXX. She said well it takes longer to process. And now my funds are still not showing. I went to the ATM to get same day credit because my deposit was done before XXXX. I was well within this time. 
My money got jammed in the machine. She said I ca n't get money out of the ATM to give to you. I asked her what was I supposed to do. I was told now to wait until Tuesday. It was cash and I was within the cutoff time frame. 
This has put a hardship on me. The CSRs at this location were no help and acted as if I was an inconvenience to them. I have bills that are due but am going to have to incur late fees on payments because no one showed enough concern to at least consider it an emergency and get my money back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to them last XX/XX/2022 and until now I didn't receive any response, it is over 45 days so now this is a violation of 15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.
Product: Debt collection

I called LVNV funding c/o Resurgent Capital to get information about this debt. I request the original signed contract and pymt history. They never provided me with any of the information. This debt should have never been sent to them. I am currently paying my debt with XXXX XXXX XXXX the original company. I have 5 more pymts til this acct being paid off as agreed.
Product: Mortgage

My husband and I applied for a modification with Wells Fargo. We began making trial payments in XXXX XXXX. Each month, I would overnight a check from my personal checking account ( signature required at delivery ), to the lawyer representing the bank. The amount was deducted within a few days after the check was received by the bank 's lawyer. We were in the trial modification for 6 months when we found out that the modification was approved. My lawyer, my husband, and myself filled out the appropriate forms and attached the binding check. The check that was sent was to be applied to the XXXX XXXX, XXXX payment. I sent all papers and the check via XXXX the same day. The XXXX XXXX, XXXX payment was not deposited or credited to mortgage loan. I sent XXXX XXXX, XXXX payment the following month, and it was credited to the mortgage loan. Every month, the payment was credited to the loan, EXCEPT XXXX XXXX 's payment. I verified this by monitoring which personal checks were being debited from my personal checking account. My lawyer contacted the bank 's lawyer multiple times to question the missing check, but they did not give us an answer. Every month I would receive a notice form Wells Fargo saying that I was delinquent ONE payment. Finally, when the trial payments were finished and the modification was final, I pushed to have the bank lawyer find out where that XXXX XXXX payment was. I was concerned that the check was lost and this would affect my credit, and interest on the missing payment. The activity report that I am attaching to this complaint clearly shows a consistent pattern that each month the payment was deposited to the mortgage account on the XXXX, except for XXXX XXXX. But in XXXX XXXX, 6 months after the check was sent to the bank lawyer, a second payment is credited to the mortgage account in the amount of the XXXX/XXXX/XXXX payment. I verified that it was the missing check. When this was brought to their attention, they agreed to take off the late fees for the months that the mortgage account was behind, even though I made EVERY payment that was asked of me through the entire process. But there are still fees that are assessed to my loan/escrow account and my credit was affected for those 6 months of which I paid on time. If needed, I can supply each month 's check ( copy ), USPS receipt for each check that was sent ( that required a signature upon delivery ), proof of date that each check was deposited, and proof of when each check was deducted from my personal checking account. The XXXX/XXXX/XXXX check was not deposited until 6 months after it was sent.
Product: Credit reporting

BK discharge of 2014 should have removed all items discharged. My mortgage and XXXX odd credit cards are still showing on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I try 4 times to dispute same account and credit bureaus didn't show me any evidence the i get that account or that account is my. thank you
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 Account XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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

OPENED TWO ACCOUNTS FRAUDULENTLY XXXX AND XXXX XXXX REMOVED CREDIT CARDS THESE ACCOUNTS FROM MY CREDIT REPORT THANKS
Product: Credit reporting or other personal consumer reports

Since I have not received response from all 3 credit bureaus, and my credit file indicated that the investigation was complete and reporting was accurate I have exercised my right under FCRA Section 611, part B, subsection ( iii ) and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) and have requested proof of the procedure of dispute. It's been more than 30 days since the last dispute and none of the credit bureaus have notified me of anything. They have also not provided me with an updated and accurate credit report. Please see attached letters that I have sent to the bureaus. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/2024 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : { Discover credit card } Acct # : XXXX In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 
Thank you, XXXX
Product: Debt collection

First of all, all, of my information was apart of the XXXX data breach in which I had. Submit it to this company. Explain in my situation over the phone. And in writing an addition I have filed a dispute. Does echo facts experience and XXXX, I received nothing but pushback from all XXXX credit bureaus to no avail. Also I haven't received no respond from XXXX XXXX  company XXXX XXXX whatsoever .... In addition I am a victim of identity theft as well.
Product: Credit reporting or other personal consumer reports

In the past my identity was stolen and several accounts were created in my name. I disputed this information with XXXX XXXX and Equifax and submitted proper documentation and the accounts were blocked and deleted. Within the past few months one of those accounts were reinserted on my credit report. In XXXX of XXXX I disputed this fraudulent information again and was advised that it will be removed and there system had been experiencing some issues. At one point my complete file was blank. I proceeded to wait for this update but it was complete. I submitted a complaint with CFPB XX/XX/XXXXXXXX  and the company finally responded after 5 months. Even after that complaint and documentation submitted this company has closed the dispute and refused to block and delete the fraudulent account. As a direct result of these actions, my credit report has been severely damaged, making it incredibly difficult for me to obtain credit, secure housing, or even find stable employment. The inaccurate and incomplete information on my credit report has caused financial distress and has significantly hindered my ability to maintain stable living and employment conditions. These actions by XXXX are causing ongoing damage to my livelihood, which has already been affected by identity theft. Under FCRA 605 b mandates that any information reported on a credit report that has been identified as fraudulent due to identity theft must be blocked upon receipt of a consumer 's identity theft report. Violations of FCRA sections 611,609,623, and 605 b are being committed
Product: Credit reporting or other personal consumer reports

My account with these following companies were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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.

These companies 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: Student loan

My student loan reportings negatively affect me because it looks as if I've defaulted on several accounts, when there was only ONE, and that ONE is paid in full. I've satisfied the debt, I'm experiencing the following : - Loan appears multiple times, although only one loan was secured - Some of the student loans report as " Open '' although the balance is " {$0.00} '' and should be " Closed '' - Many payments are incorrectly reporting as current lates The following companies are involved : - XXXX  XXXX XXXX ( Listed 4 times ) - XXXX XXXX XXXX XXXX ( Listed 2 times ) - XXXX XXXX XXXX XXXX XXXX ( Listed 2 times ) - XXXX ( Listed one time ) I'd like to buy a home and secure business lines of credit to grow my business, and I can not as a result of these reportings.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE 3 MAIN CREDIT REPORTING AGENCIES ARE STILL FALSIFYING FALSE INFORMATION ON MY CREDIT REPORT. I HAVE S
EVERAL ACCOUNTS THAT NEEDS TO BE REMOVE FROM THEIR DATA BASE FROM MY CONSUMER REPORTS.
Product: Checking or savings account

XXXX XXXX XXXX This case should not have been closed because the issue has not been resolved. 

After reading the " companies '' response, information that I provided was taken out of context and out of order. Claim amounts were incorrect, there was not XXXX claim for a lump sum as the company referred to in their response. The only correct information in their response was the account numbers and check amounts issued when they closed our accounts in XX/XX/year> ( without our knowledge ) when this XXXX XXXX XXXX  began. 

I have since tried unsuccessfully to reach out to the management office and the number routes me to a general recording suggesting I call the number referred to on my statements which is completely worthless since I no longer have open accounts or receive statements. 

I am once again requesting assistance with my original case/claim to try and resolve this blatant XXXX XXXX XXXX I want our money returned. The evidence is very clear as to when and where funds were stolen and where the funds were transferred to. 

I have a case number with the management office within Chase but have no way to enter it over the phone. My intention is to respond via email again, however, they claim they did not receive the requested information I originally provided in attachments. My concern grows as now I have no way of knowing where the information I've provided has gone or whose possession its in. 

Please review this issue and provide me with the necessary steps I need to take in order to resolve this case. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

I've received XXXX letters from the " collectors ''. I threw the last one out because I thought it was fraudulent. I just got another today, with date of notice XX/XX/year>. This is the letter as it reads : " Dear : XXXX XXXX XXXX Our company, Credit Bureau Systems , Inc. represents your creditor ( s ) as collection agents in connection with the Balance Due listed above. Please contact us at your convenience to discuss your account ( s ). When calling, please have your account number ready so that we may best assist you. 

Thank you for your cooperation. '' There's a phone number, address to mail payment to, and an email address to reach out to them " XXXX ''. Above it lists a balance of {$280.00} but has no description of where the debt is from.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.