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

There are so many inaccuracies on my credit file Most are with new creditors not original, covered under 609a1a law or older then allowed with student loans. They aren't with original creditor either.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I applied for the PPP SBA loan for my business and the SBA has already done 2 hard inquiries in 2 days with Experian to me along with my husband. My credit score dropped 10 point as a result of this. I would think under the circumstances these hard inquires should be excused and not be reflected in our credit score. This will remain for 2 years. It's not enough that my business is suffering now my credit score it going to tank. 
Someone should do something about this XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX
Product: Debt collection

Zwicker & Associates did not notified me of a pending lawsuit until I was served papers. When I contacted them, I explained that the debt was business debt and not personal debit. The agent refused to listen and started threatening me with more legal action if I did not pay them. The amount they wanted way way out of what I could afford. They told me to quit paying my mortgage and to shut off utilities to give them what they wanted. I gave them money out of fear. I have since lost my house due to their tactics. 

They had no legal grounds to come after me personally for a debt under an LLC. They had no legal grounds to pierce the vale of limited liability. A quick search online will show the amount of complaints and unlawful tactics the firm uses to scare people into giving them money. 

I have also not received any notifications about payments being processed or that the debt is paid off, which it should be. This firm is out of control and using predatory and illegal tactics to scare people into paying them.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because American First Finance ( AFF ) has inaccurately reported information on my credit report for over a year, causing significant harm to my creditworthiness and financial situation. Specifically, AFF has reported multiple " charge-offs '' for the same account ( Account # XXXX ), which I believe is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

Details : I originally had an account with AFF ( Account # XXXX ), which has been reported on my credit report. 

American First Finance has been reporting the account as charged off for over 16 consecutive months. This is inaccurate, as a charge-off should be reported only once, not repeatedly each month. 

The continuous reporting of this account as charged off has significantly damaged my credit score and led to multiple credit denials. 

I sent a notice of dispute to American First Finance regarding the inaccurate reporting of these charge-offs. 

American First Finance responded to my dispute and validated the debt, stating that they are reporting the account correctly. However, I believe they are continuing to report inaccurate information, as the same charge-off is being reported monthly, making it appear as though the account is repeatedly delinquent. 

The prolonged reporting of these inaccuracies has caused emotional distress and financial harm due to my inability to secure 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 XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

After checking a copy of my consumer report, I noticed a clear violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
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. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


THE IRS CLEARLY DEFINES A CHARGE-OFF AS GROSS OR ORDINARY INCOME, DOES NOT GET REPORTED OR FURNISHED ON THE CONSUMER REPORT. INCOME DOES NOT GET REPORTED OR FURNISHED ON A CONSUMER REPORT BY DEFINITION. THE IRS CLEARLY SAYS A CANCELED DEBT OR CHARGE-OFF IS INCOME. THE REPORTING OF THIS ACCOUNT IS INACCURATE. 

IRS INSTRUCTIONS FOR DEBTOR. 

Instructions for XXXX XXXX received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. However, you may not have to include all of the canceled debt in your income.
Product: Mortgage

In XXXX and XXXX, I request for a modification with XXXX XXXX XXXX. I sent all the documents, nothing was done. In XXXX XXXX the customer service representative told me the loan is sold to Bayview Loan Servicing LLC. It took them to XXXX XXXX to respond to my status enquiry. I sent more documents to them for modification, yet no modification was approved. They keep piling interest and fees, inspection fees, and legal fees. In XXXX XXXX, XXXX date of XXXX XXXX, I receive a letter ( attached ) that the note is destroyed and unavailable. On XXXX XXXX, I receive a letter for sale of house on XX/XX/XXXX.
Bayview should drop the sale.
Product: Credit reporting or other personal consumer reports

My account with 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 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 XXXX AND XXXX 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 or other personal consumer reports

I did authorize these companies to run my credit, these were fraudulent. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX has reported me late on my credit report without sending me a notice that a payment was due. I have been on auto pay for the past year and have always made my payments on time. When I called the company I spoke with a Mr. XXXX who advised the bills and notice that my year was coming to an end was sent to the wrong mailing address as well as the incorrect email address. I'm trying to purchase a home and I need the mistake corrected. I 'am current on my payments, and Mr. XXXX has put in a request to have the mistake corrected. I need it updated with all 3 credit agencies ASAP.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and Equifax has unlawfully reinserted a fraudulent account without notifying me, violating FCRA 611 ( a ) ( 5 ) ( B ). 

I provided an FTC Identity Theft Report and supporting documentation equifax deleted the account on XX/XX/year> and notified me by mail of my dispute results and verified that the account for XXXX XXXX XXXX has been investigated and deleted from my credit report ( letter is attached ), yet Equifax reinserted the following fraudulent account without the required written notice : XXXX XXXX XXXX XXXX XXXX ( Account XXXX, {$31000.00} ) FCRA Violations by Equifax : FCRA 611 ( a ) ( 5 ) ( B ) Unlawful Reinsertion Without Notice : Equifax reinserted the XXXX XXXX XXXX XXXX loan without providing the legally required five-day written notice, which must include the furnisher 's name and the consumer 's right to dispute the reinsertion. 

FCRA 605B Failure to Block Fraudulent Accounts Within Four Days : Equifax failed to block this fraudulent auto loan within four ( 4 ) business days, even after I submitted an FTC Identity Theft Report and supporting evidence.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L  Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and noticed accounts I did not recognize or authorize.
Product: Money transfer, virtual currency, or money service

I got my taxes deposited into my Venmo account and I tried to withdrawal some money and they said it was a security breech and locked my card to where I couldnt access that money. I then tried to transfer it to my other bank and they said it was another security breech after the money was taken off my account. They then deactivated my account. I called them and emailed them several times and they said they couldnt help me with it. They money is missing and I have no access to it. There was {$4000.00} left.
Product: Student loan

Aidvantage dba as Maximus Inc.continues to harass me about an alleged student loan debt that I discharged by submitting an IRS Form 1099C on XX/XX/XXXX. Also, I received confirmation from Aidvantage during that time that they received the 1099C form, however instead of processing the form and discharging the student loan debt, Aidvantage disregarded the 1099C and approved the student loan for forbearance, this is clearly fraud. The 1099C form was originally supposed to be received by the CFO of Maximus Inc. In order to be clear with this matter, I will need Aidvantage dba Maximus Inc. CFO to answer the following questions : ( 1 ) According to the alleged loan agreement was Aidvantage involved in the alleged loan to lend their money as adequate consideration to purchase the promissory note from me? YES or NO. ( 2 ) Did Aidvantage involved in the alleged loan follow GAAP? YES or NO. ( 3 ) Was it the intent of the alleged loan agreement that the one who funded the loan is to be repaid the money? YES or NO. ( 4 ) According to the alleged loan agreement was the alleged borrower to provide anything of value that Aidvantage would use to give value to the promissory note in approximately the amount of the alleged loan? YES or NO. ( 5 ) According to the bookkeeping entries of Aidvantage in the alleged loan, did Aidvantage involved in the alleged student loan lend their money as adequate consideration lent to purchase the promissory note from me? YES or NO. ( 6 ) Are the economics of the alleged loan similar to stealing, counterfeiting and swindling against the borrower? YES or NO. ( 7 ) According to the alleged loan agreement was the alleged borrower to lend the borrower 's promissory note to another party such as Aidvantage? YES or NO. If you refuse to answer these questions with detailed specifics answers, I will presume that there is concealment of material facts and that the promissory note has been altered or stolen and that I provided the money that Aidvantage claims was lent to me. If you refuse to answer these questions, then please return a XXXX balance and return the promissory note. Also, Aidvantage dba Maximus Inc. is not the original student loan servicer, XXXX was. I do not have a contract with Aidvantage dba Maximus Inc. I need Aidvantage dba Maximus Inc.to produce a written contract that I signed with their company. Under the Privacy Act of 1974, I never authorized Aidvantage dba Maximus Inc. to share information about me to the credit bureaus. All rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a bill from Comenity Capital BankXXXX XXXX  credit card. Showing an opened credit card for credit limit of {$1500.00} and balance owed of {$1300.00}. I never opened this account nor did I purchase or receive any merchandise from XXXX stores. 
XX/XX/2020 Case # XXXX. I submitted a dispute through my XXXX credit report. I do not know how anyone can open an account with my name. I tried to find a contact number to reach the bank but none was found. I do not even have the complete card number to even talk with the bank. Therefore they want me to provide my social security number and I refused to give it out since this account is fraudulent. 
On XXXX/XXXX/3020 XXXX credit reported that my dispute was closed and complete. They stated that the information was accurate. 
Im unemployed and my husband is a retired XXXX and receiveds XXXX  XXXX  XXXX  income. We live on a fixed income. I do not know how this account was opened and I certainly never purchased {$1300.00} worth of merchandise. I can not afford to pay this bill since it is not mine. I do not know what else to do. I do not want my excellent credit rating to be effected by this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I recently obtained a copy of my credit reports that reflects that as of XX/XX/2020, my COMENITY CAPITAL/XXXX  account is reported as closed. This information is incorrect, and hence has negatively effected my credit score. I did not authorize nor attempt to close this account.
Product: Debt collection

Creditors Collections Service contacted my mother in regards to a debt that I still owed and had no idea that I still owed any amount of money because I hadnt received any paper documentation stating that I still owed {$3500.00} for a combination of medical bills. About 5 or so years ago, my father tried to get the debt settled in order to get it off the books so I could quite worrying about it, but the company refused to settle and came up with different excuses as to why we couldnt get the debt settled so I would stop paying on it. Up until last month, I had been paying $ XXXX/month through my banks online bill pay. Once I stopped paying the company the {$5.00} & decided to put the {$5.00} elsewhere, they started to call and harass my mother about the debt that I, the patient/person who was on the account still owed. I called them back and stated that I had stopped payment due to not receiving any paper documentation in at least 2 plus years stating how much I still owed on the account so I was unaware until Friday, XX/XX/XXXX, that I still owed them the {$3500.00}. They stated that their system wasnt set up to send out bills for any monthly payment under {$25.00}. They asked if I was going to pay the {$25.00} and I flat out told them no. The highest amount that theyll be receiving is {$5.00} a month again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that I XXXX XXXX am submitting this complaint and report of ID theft on my own behalf there is no third party involved in this complaint. The following was not submitted in error. This is not a complaint to open or dispute and of the following accounts listed in this here complaint of any kind. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of. Included you will find FTC identity theft report, Identity theft Affidavit, Police Report, copy of ID, Utility Bill and Social Security Card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already. Transunion does not have any permission or consent from I the consumer to furnish a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX. Furthermore, I want all fraud and security alerts immediately deleted and removed from my credit report. I do not want any fraud or security alerts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a recent review of my credit report, I discovered XXXX  XXXX XXXX reporting the collection account referenced attached. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.