23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I went to the bankruptcy court and asked do the report bankruptcies to the credit bureaus and they gave me a signed letter stating They do not report to any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX Accurate. 

Ive written the credit bureau plenty of time about the inaccuracy in XXXX, XXXX, XXXX, XXXX, Ive even showed that XXXX deleted the bankruptcy on XX/XX/XXXX, which XXXX and XXXX claims how they validated the bankruptcy info They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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

XX/XX/2021 Contacted Amsher Collection Serv XXXX Acct Mgr XXXX XXXX, notified him XXXX made a mistake this was never in collection and I paid {$100.00} off last year and closed this account. I asked him to remove this Fraudulent reporting from all 3 of the XXXX XXXX XXXX, he refused, and admitted they are representing XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX who is also collecting this fraudulent debit. I ran my 3 credit reports 6 months ago and thus was not on my credit report. Just this last week, it is now on all 3 Credit Bureaus being reported from the year XXXX, XXXX, XXXX, and XXXX - HOW CAN THIS BE! I sent XXXX  an email regarding all this a week ago and they have never replied, but yet my membership with XXXX  notified me just recent if all this " 7 '' times that it was reported against my Account and Social Security Number. I made a total of 4 calls this morning, all calls to XXXX  were recorded and the 1 call to the XXXX XXXX XXXX XXXX XXXX was also recorded, the female named XXXX from this Law Office was Argumentive and sarcastic polietly and refused to remove this fraudulent account. 

I Notified both Amsher Collection Services and XXXX XXXX XXXX XXXX  XXXX XXXX today that this account was paid off a year ago, and it's on my credit card and never in collections, and requested they remove their fraudulent reporting from all 3 XXXX XXXX XXXX from my Social Security, because the are reporting fraudulently and ruining my credit score that is affecting my credit/ FICO score to obtain Credit. They BOTH REFUSED TO ASSIST ME. 

( I also requested they put all my conversations and the info I'm supplying to them today in the notes of my account for future reference ).
Product: Mortgage

Every month I sent extra money to be apply to the principal amount but instead the company chooses to pay themselves up to 5 months ahead of scheduled and every single month i have to make a call to reverse the payments meanwhile I'm getting charge interest on a larger principal amount. in other words, they are charging me interest on my own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed in XXXX that my credit report contains late payments reported on XXXX and XX/XX/2016 for my Navient student loan accounts. At the time, I have attended XXXX   XXXX College ( now XXXX XXXX  University ) in the Spring of XX/XX/2016and XXXX XXXX University in the summer and fall of XX/XX/2016. As a student attending classes at least half-time during those period, my account should not have entered payment at that stage. However, even after contacting Navient regarding this issue, as well as sending their credit bureau management team relevant documents showing that I was a student at the time, I have not gotten a single response from Navient team.
Product: Credit reporting or other personal consumer reports

My name and address is incorrect on my credit report I can send you my drivers license to confirm my address
Product: Debt collection

I had XXXX collection on my credit report. It was from XXXX / First National Collection Bureau at http : //www.fncbinc.com/. A former roommate rang up pay-per-views on my account, I did n't agree to them and closed my account. 

Here 's the thing, the account was closed in XX/XX/XXXX or XX/XX/XXXX. It 's XX/XX/XXXX, it should have been off my report. 

However, according to the credit bureaus, it was opened for collection all the way into XXXX! I disputed this online, and lost somehow because they " proved '' it was sent to collections only in XX/XX/XXXX. 

Is n't that illegal to forge the date that something was stopped being paid on? Or hold on to collections and report them later? 

Not only that, the other day, I called First National, and paid it ( I should probably back charge it ). So after calling them and paying them over the phone, the charge on my card came up as XXXX! How weird is this?! Is XXXX playing a game where they own the collection agency and fudging dates? It seems so! 

Dispute numbers I entered - XXXX of them is correct, but only had 30 days after dispute back in XX/XX/XXXX to view the results. There was another dispute that I won I had in my email with the dispute number with XXXX still.
Product: Payday loan, title loan, or personal loan

Vehicle was repossessed by the company in XXXX of 2021
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 for these violations.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
1. XXXX  Date of inquiry : XX/XX/XXXXXXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Mortgage

this is my second complaint two money orders are missing XXXX for {$220.00} and XXXX for {$250.00} they were never posted to my account but were cashed first one on XXXX and the second one on XXXX by shellpoint this makes exactly 7 of my money orders that are missing from my account and i am being penalized with {$10.00} for late fees XXXX XXXX XXXX  XXXX  XXXX mo # XXXX for XXXX and XXXX mo # XXXX for {$220.00} thanks XXXX l XXXX
Product: Credit reporting or other personal consumer reports

LETTER OF INTENT TO SUE XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Effective Date : XX/XX/2023 RE : Notice of Intent to File Lawsuit To whom it concerns, This letter of intent to sue shall serve as formal notice that XXXX XXXX XXXX intends to commence a lawsuit against you due to the following : 1. Unauthorized use of personal information 15 U.S. Code 1681b.

2. Redundant inaccurate reporting, after numerous certified mail disputes 15 U.S. Code 1681n - Civil liability for willful noncompliance/ U.S. Code 1681s-2 ( b ) Reporting information after notice and confirmation of errors 3. There are multiple references of dated, late and missed payments which are a part of transaction history the listing of such is illegal see 15 U.S. Code 1681 ( A ). 4. Inaccurate, unfair and Noncompliant reporting has ruined my image during background checks for security clearances, and the option to rent. Ive personally missed 3 job opportunities over 80,000 each due to negative credit shown on my consumer report. Ive also had to consult with the XXXXXXXX XXXX department of the Veteran Affair for psychological damage after unemployment and financial hardship. 
. 
I. The Plaintiff. XXXX XXXX XXXX XXXX. The Defendant. XXXX XXXX. Settlement Demand. 
XXXX Data breach Settlement Claim Number : XXXX As a result of your actions, the Plaintiff seeks relief in the form of a payment in the amount of XXXX XXXX XXXX XXXX ( {$220000.00} ) for psychological, financial, reputational damage. 
This offer to cure and/or settle this matter outside of court and avoid a lawsuit is valid for 30 days from the Effective Date.

V. Governing Law. This Letter of Intent shall be governed under the laws of the State of North Carolina.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing in regards to the late payments on my credit report for all missed payment from the Nelnet accounts &   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .  <P/> I understand how important it is to make timely payments, and that failure to do so created an inconvenience. However, I missed my payment because of the hardship of my parents passing away, but I have consolidated my loan with  XXXX   XXXX   XXXX  to ensure my financial responsibility moving forward.  <P/> As a courtesy, I am requesting that you send a letter to  XXXX  and   XXXX   in goodwill adjustment and remove the late payments from credit reports because of the following : I have owed Nelnet sinc e  XX/XX/XXXX  and that  has been 7 years of missed payments and can be removed according to the law under the Fair Credit Act.   The credit reports state X unknown since   XX/XX/XXXX  b ut the truth is they were all missed payments. When I ask they state that X means not reported but it is reported and it states unknown and that is not good because that makes my credit report look bad too. That needs to be removed because not true. They know and it is not unknown and by law I can have it verified and they just dont want to remove it, but by law it has be removed after 7 years.   OK on the credit report mean what? I never paid for those months so where is the proof?   Missed payments? I never made payments at all. The balance remained the same until I consolidated to  XXXX  balances. In actuality I still never paid anything and still on  XXXX  a month plan due to financial difficulties. If they stated missed payments then that means I paid some payments, but I never paid anything.      42 loans Nelnet on my credit report and I only had 18 loa ns before the consolidation last summer. I was told that when I consolidated the loans that all the loans that were paid off would not be listed in their entirety, but very sad to see they doubled and tripled loans that made my credit situation worse than it was and it was uncalled for and they can be removed.  <P/> I have consolidated all my loans   XX/XX/XXXX   with  Nelnet  and recently  XXXX   XXXX   XXXX  has my loans. The only people that should be on my credit report should be  XXXX   XXXX   XXXX  and not Nelnet because of all the manipulation of records and I ask that you send a letter to the credit bureaus in good will and thank you in advance. This will help to help improve my credit worthiness and give me renewed confidence.  <P/> Thanks in advance.
Product: Debt collection

On XX/XX/2021 I sent a letter to ABILITY RECOVERY SERVICES. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle on XX/XX/XXXX and requested to be financed through XXXX XXXX. Because they financed my previous vehicle that was totaled on XX/XX/XXXX. I have received multiple notices from financial institutions that were not authorized to access my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am completely dissatisfied with these companies called XXXX XXXX XXXX XXXX and Experian. I have contacted them several times requesting they be removed from my credit report! They have yet to send me any validation as to how this account is mine! I have sent them proof of the police report attached from XXXX that states my property, identification, and social security information was stolen! They have been reporting on my credit report since XXXX or prior. I have been trying to get them removed for years! This is unacceptable and needs to be rectified ASAP. The most recent letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Not including the amount of times I have called them personally!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was 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 me 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. 


XXXX 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

XXXX XXXX XXXXXXXXXXXX  Balance {$0.00} GOLDEN 1 CU XXXX  Balance {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Student loan

I have a federal student loan being serviced by Navient and my account has been " disabled. '' It says to contact them for support but they don't have a support option for the time that I am able to contact them ( after XXXX PST ). I am unable to make a payment on my loan ( Which I already don't want to do ) and it is incredibly frustrating to be denied the ability to pay someone while being held responsible for paying them back.
Product: Debt collection

The previous resident must have had a loan with Westlake Financial Services ( I was getting her previous mail ). I guess she has stopped paying her debt to them and I assume they used public records to pull the phone number that is tied to the residence however that number is mine and now I'm getting phone calls for this debt. I have told them numerous times this is the wrong number and they will not stop calling me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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: Vehicle loan or lease

I have contacted GM Financial for the 3 month in a row to ask if I could pay my payment by the XXXX of the month. It is due on the XXXX. This makes it 30 days late or more. They have agreed and state that my account would not be reported 30 days late to credit bureaus because of COVID-19 and I would be protected under the CARES ACT. I have to call in each month or file a complaint because they do not keep their word. This is impacting me trying to get a equity loan because my score keeps decreasing. It is very stressful that I have to go back and forth with this company. I have done what I was asked to do to make arrangements. I used the messenger on the GM Financial App and sent a message. I just want to not be stressed out by this and having to be stressed with COVID related health problems also.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XX/XX/XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$310.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$61.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX  Date of request XX/XX/XXXX ; THE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX ; XXXX Requested On XX/XX/XXXX ; XXXX XXXX XXXX  Requested XXXX XX/XX/XXXX
Product: Debt collection

Received email stating I had authorized a payment for a {$560.00} purchase I did not make. I called to dispute charge. They then said they needed to get into my computer to assist with refund/credit procedures. Once in my computer, he started the process for the refund. He had me complete a {$20.00} refund request to test that the connection was correct. That {$20.00} test immediately became {$2000.00}, which I believe he changed while in my computer remotely as I was not able to change or correct. So he demanded I obtain {$2000.00} worth of gift cards and take photos of the gift cards ( serial codes ) and send to him via text. He was then to refund the {$560.00} but claimed he could only send me {$2700.00} ( minimum amount his business account could give ), I would then have to get more gift cards to cover the difference between {$2700.00} & {$560.00}. He threatened me with putting my bank account on hold unless I did what he said. 
I sent him {$2000.00} of XXXX and XXXX gift cards, withholding the rest. He locked my computer and demanded {$500.00} to unlock. 

Email below : From : XXXX XXXX XXXX Date : XX/XX/2023 at XXXX XXXX EDT To : XXXX Subject : Thankyou for your order. XXXX XXXX We are thrilled to confirm the order you recently placed with us. Rest assured, our dedicated team is already hard at work, meticulously preparing your order to ensure it is delivered promptly and meets your expectations. As per the estimated delivery date mentioned in the order details, you can expect to receive your items on time. We take immense pride in providing exceptional customer service. If you have any additional requirements or questions about your order, or if you need to modify anything, please don't hesitate to reach out to us. Our friendly support team is always here and ready to go the extra mile for our valued customers like you. XXXX XXXX You authorized a payment of {$560.00} to Coinbase, Inc He said his name was XXXX XXXX, representing XXXX XXXX 
Phone number : XXXX
Product: Student loan

I failed to be informed by Navient that my income based repayment was up for renewal last year. This resulted in my bank account being deducted a payment nearly {$800.00} more than my previous payments. When trying to resolve this, it took a few months and documentation provided by Navient is unclear and now states I was in forbearance twice. 

After realizing I failed to resubmit my application for income based repayment, I called Navient and explained I could not afford the payment and they suggested I go into forbearance for a short amount of time until the whole thing gets fixed and I will receive a refund from the DOE after I submit my application. This was their suggestion to which I thought was fine. I am now learning that since I went into forbearance, the unpaid interest on my account was capitalized causing my principal amount to to increase almost {$4500.00}. 

They failed to provide me with other solutions and support and I was not aware I would be adding almost {$4500.00} more to my principal amount. 

This seemingly harmless act of forbearance has added years to my repayment and more interest in their pockets.