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

Pursuant to 15 U.S. Code 1666b - Timing of payments each person reporting LATE on any of my accounts on my consumer credit reports are in violation! Experian, XXXX, XXXX, you all have failed to comply with Federal and State Law. All my accounts needs to be updated as PAID ON TIME. Pursuant to 1681 ( a ) ( 4 ) unfair reporting of information before consulting with ME. I have disputed these items at first, and you verified them without consulting with me. They ( Experian, XXXX, and XXXX do not even have proof that the alleged transaction took place & they we're impartial in their actions because they furnished unverified information based off of one sided information ( from the corporation alone ) and by the way they ( Experian, XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnk ) held a conversation without my knowledge about me & my private business & communicated unverified data that's definitely an infringement on my right to privacy & they weren't there to witness that transaction so the information they have is here say it NOT factual information.

Pursuant to 1681 a ( d ) ( 2 ) ( a ) ( i ) you are in my personal business and that is a violation.

There should NOT be ANY LATE payments on my account for any reason. This is a demand, I am not asking nor am I telling you to Investigate because it is clear and evident you are not to be trusted. So you listen to me and comply with my demands. You have to correct your errors right now! CFPB or FTC forward my demands to the following persons mentioned, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all have violated section 15U.S.C 1666B timing of payments. ALL PERSONS THAT VIOLATED WILL BE ATTACHED.
Product: Student loan

I have received a notice from Sallie Mae to call them about a loan. I called Sally May and XX/XX/2017 the representative I talked with had told me that we could pay a one lump sum of {$6700.00} to pay the loan off and we would be saving money on the interest. I had asked the representative if it was OK if I got back in touch with her to talk with my husband to see if we could get a loan to pay this amount and save a little money on the interest she said that was fine. I then called back on XX/XX/2017 and talked with the representative to see if we were still eligible to pay the lump sum of {$6700.00} to the Department of Education and save on interest. The representative told me that was fine she had to go over other details if we want to do payments like XXXX dollars a month I told her no we would do the lump sum payment of {$6700.00} she said that was fine so we made the payment department of education student loan deposited it. I was told that the loan is paid off and we save some money on interest. Never heard any more correspondence to this. Until my husband received a credit report and this was on there {$780.00} interest not paid regarding this loan that we did pay off. So now my husbands credit is bad. I had called to find out what was going on and they sent it to the XXXX for collections which was very unfair on the dates I spoke of XX/XX/2017 and XX/XX/2017 these messages were recorded by this organization federal loans they could go and listen to the recording. I was told by XXXX that the representative never signed off on it and now I am up to almost {$900.00} in interest if I didnt do the one lump sum and just pay the XXXX Id be paying less now theyre getting more money out of me which is not my fault or my husbands fault I sent to other children to college never had a problem theyre almost done or they are done with their bills are ready and now I am having problems with my last son this is not fair we got a loan out for the amount of {$6700.00} I have the check that the Department of Education deposited we were Told that the loan was paid in full we owe nothing now after so many months I am sent to collections agency for something that is of not my doing. I need someone to please help me with this situation Ive had hardship financial problems and I just cant afford to give money when I did nothing wrong I paid the debt and now they are trying to tell me I have to pay them more. I was told by Department of Education and by XXXX that the representative that took the payment never signed off so thats why it went into collections for the interest how is this my fault it is all on recording I paid in full if you listen to the recording you will hear that we paid for it all and fall could somebody please help me with this situation. Sincerely XXXX XXXX my email is XXXX my phone number is XXXX I would appreciate if somebody could help me with this situation thank you so much.
Product: Mortgage

My wife and I paid-off a residential loan with Fifth Third Bank and I have requested a copy of the reconveyance but they said they won't provide one. They refused and said they will only provide an unrecorded letter. If they don't record a reconveyance the loan will remain on my credit report. I will attach their letter and my notes with bank employees.
Product: Credit card or prepaid card

On XX/XX/2018 I bought a mattress for {$600.00} from XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX XXXX, NY XXXX  ). It was sold by XXXX and her Manager XXXX.

I was offered to have the mattress financed over 12 months at 0 % interest, which I accepted. I was not given more details and was led to believe I was just enrolling in the financing.

Today, XX/XX/XXXX, I opened mail, and received a credit card I NEVER APPLIED FOR. The issuing bank is XXXX XXXX ( XXXX XXXX XXXX XXXX, FL XXXX ) ( XXXX ). I called the bank to inform them that I never signed up the credit card and to ask which other products they had issued under my name without my permission. They are unable to tell me how many products I have.

When I asked why the issued me a credit card, they said it was XXXX XXXX XXXX fault for not informing me of the deal terms. I then asked to have proof of my signature allowing the issuing bank to create a credit card for me. They placed me on hold and said they will mail it to me within 40 days. 40 days. 40.

I am trying to avoid this affect my credit score and to have it canceled. I would also like to know how many products they issued under my name.
Product: Bank account or service

Pay Pal claims to have sent me an email stating I was violating their terms. I never received the email from them. I purchased My Cash Cards to load on the debit and pay bills and send money to my son to pay rent. They have denied me access to my debit card and when I spoke to a supervisor they said they are holding my money, over {$2000.00} for six months! I was given XXXX email addresses and have sent XXXX emails and I have not even received an email reply, How can a company be allowed, legally, to hold a clients money for six months once that company decides they do n't want you as a client. This is something that congress should investigate
Product: Credit reporting or other personal consumer reports

Hello, In XX/XX/XXXX, I applied for a personal loan and was notified by the lender on XX/XX/XXXXXXXX XXXX  that I was unable to be approved due " Serious delinquency on credit bureau ''. I proceeded to pulling my credit reports from the various major bureaus. I was shocked to find that there was charge off for {$17000.00} with Capital One. This account is showing as have been opened on XX/XX/XXXX, with an address of XXXX XXXX XXXX, XXXX, MI, XXXX, an email of XXXX, and a phone number of XXXX. None of this information belongs to me. I contacted Capital One immediately and after being provided some account details, I was provided with a number that I could call to discuss the matter and was transferred over to another line, which seemed to be the collection agency or law office handling the delinquency. I left a message on a random extension with my concern and was never called back. 

I filed a dispute with XXXX and on XX/XX/XXXX, I received the following : " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account XXXX XXXX XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACCOUNT HISTORY. If you have additional questions about this item please contact : CAPITAL ONE BANK USA NA, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX '' I contacted Capital One on 3 separate occasions, each time providing more details and have the following response letters : Case Number : XXXX dated XX/XX/XXXX Case Number : XXXX dated XX/XX/XXXX Case Number : XXXX dated XX/XX/XXXX All response letters contained the same identical message : " Dear XXXX XXXX XXXX Thanks for contacting Capital One about possible fraud on your credit card account. We've finished our investigation of your fraud claim. Our research found no signs of fraud. As a result, we haven't made any adjustments on your account. '' Appended to the bottom of those response letters was number XXXXXXXX XXXX XXXX to call for any questions. I have called this number several times and left several voicemails. No one has returned my call from the possible collection agency or law firm.

Identitytheft.gov website was utilized for my 3rd communication with Capital One where I notified Capital One that I was a victim of Identity Theft, attached a copy of FTC Identity Theft Report, and requested the following XXXX XXXX  Close the unauthorized account - Remove any charges on the unauthorized account, and - Take steps to remove information about this account from my credit files
Product: Credit reporting or other personal consumer reports

****To begin, I would like to ensure you have and ONLY hold on to present, TRUE, CORRECT, COMPLETE, and MANDATED recorded To the degree that FCRA regulations, any and all others that could or should be reported now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul permanently and immediately any and all of these aforenoted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious be it indubitable or unknown! Again, I DO NOT AUTHORIZE you to misreport any mis-information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles. 
( a ) I do NOT have any OTHER NAMES or aliases and I do NOT have ambition for any OTHER NAMES or aliases to be retained or recited, if ANY edit out NOW or produce PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ). 
( b ) I do NOT have any OTHER existent addresses and I do NOT covet any OTHER ADDRESSES to be retained or made known, if ANY annul NOW or produce PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ). 
( c ) I do NOT have any OTHER SSNs and I do NOT have wish for any OTHER SSNs to be retained or expressed, if ANY omit NOW or product PROOF of your legitimate AUTHORITY to cling to much less report without infringing my consumer right ( s ).. 
( d ) I do NOT have any OTHER Dates of Birth and I do NOT have compliant-like salacity of or for any OTHER Dates of Birth to be retained or rumored, if ANY expunge NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ). 
( e ) I do NOT have any telephone numbers and I do NOT yearn for any telephone numbers to b e retained or described, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ). 
( f ) I do NOT have any employers and I do NOT long for any employers to be retained or believed, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ). 
Page 1 of 6 -XXXX XXXX ( XXXX  ) I do NOT have any spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or communicated, if A N Y REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to sustain much less report without infringing my consumer right ( s ).
Product: Debt collection

Early XXXX I drove from XXXX, Alabama and visited the office of XXXX XXXX XXXX in XXXX Alabama. During the visit I requested a series of lab panels. I received the results of the panels but there were no results provided for a cholesterol panel that I had requested. I spoke with Dr. XXXX XXXX regarding the missing cholesterol panel and he responded that no cholesterol panel had been performed. Approximately two months after the visit I received a bill from XXXX XXXX XXXX for the cholesterol panel. I called the doctor 's office to discuss the matter and was told that the person who had been doing the billing was no longer performing the services. I was also told that an error had occurred and that the cholesterol panel had been done. I told the doctor that I had never received the results of the cholesterol panel and that I had found a new family care doctor to provide the needed lab work. Dr. XXXX became angry and demanded that I come to XXXX for the results. I spoke to the doctor office 's new billing manager to try to get the matter resolved on several occasions. She explained to me that the billing manager had been fired due to administrative problems specific to billing and they were having to write off a lot of accounts I also learned that there was a connection between the entity performing the billing and the collections agency, Holloway Credit Solutions at XXXX XXXX XXXX XXXX Alabama XXXX ( XXXX ) XXXX. In XX/XX/XXXX Holloway Credit Solutions submitted account number XXXX to the three credit reporting bureaus as an unpaid balance of {$40.00} related to the cholesterol panel that I never received. I filed disputes with each credit reporting agency. This item has been removed by all agencies except XXXX. I have contacted Holloway Credit Solutions and XXXX  to have this item removed because the services were never provided and are believed to be part of a scam. Also, I never received the services. Due to the numerous complaints filed regarding the billing the doctor cancelled his membership with the better business bureau.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my express my concerns regarding Cash App handling process of disputes. Particularly in light of. The recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Cash App numerous times. And reporting disc my financial institution failed to investigate my adequately. They informed me. That recovering loss funds was. Impossible and that tracking these. Transactions were unfeasible. The CFPB findings Indicate That Cash App has not only Neglected to protect consumers but has also allow repeat offenders to exploit the system leaving users, vulnerable of scam. This lack of trans and accountability is unacceptable and raises serious about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because there is a collection reporting on my credit report that is not a valid collection. I have disputed this account with the credit bureaus and I have sent them a debt validation request. Their responses were not adequate. I do not believe that these debts are valid. I am requesting that they submit requests to remove this collection account from my credit report as I do not owe any monies.
Product: Credit card

In XX/XX/XXXX my payment increased from XXXX XXXX XXXX XXXX XXXX which I discovered by looking at my bank statement. I have been paying monthly for XXXX years. I had contacted the company in XXXX or XX/XX/XXXX to find out how many payments I had left and to ask why it increased and I think they said my last payment was in XXXX or XXXX. I did not receive any email statements until I tried to create a klarna account in XXXX to get my transaction history record. No record of my billing history existed and they said my account is tied XXXX an email address I used when I made the computer purchase when I was at college and it doesn't exist anymore and they can not fix it. I received a payment notice for {$2.00} in XX/XX/XXXX which I thought was my last payment Because they would not tell me how much I owed when I contacted them again and they have no record of the purchase I made XXXX years ago I put a stop payment on it twice in XX/XX/XXXX and XX/XX/XXXX and they sent me a late payment notice with a payment stub in it for {$12.00} so I paid it in XX/XX/XXXX. I just had to have everything in my house turned off because both my parents died and i was living off their life insurance money and i have to figure out how to pay taxes XXXX XXXX, XXXX on the house they left me or I will be homeless. The company has no phone number and the only contact is an artificial intelligence engine on klarnaXXXX which does nothing after hours of typing into it except tell you it understands your feelings.
Product: Consumer Loan

I called Paypal Credit earlier today, XX/XX/XXXX, to accept a settlement amount of XXXX which is supposed to be accepted by XX/XX/XXXX. The rep in collections, XXXX, first stated the amount is due in full and then stated an amount of XXXX over 6 months. I have a payment scheduled in the amount of XXXX for XX/XX/XXXX, I explained to him that I do not have XXXX to pay a month. If I did, my account would not have become delinquent. As you can see, Paypal Credit and their reps are asinine to say the least, they also tend to lie. Previously, one rep lied about a cease and desist on the account, there was never one placed as numerous other reps spoken to subsequently did not mention it and were willing to discuss account with me. In closing, please advise Paypal Credit I accept settlement amount of XXXX as there is several fraudulent orders to XXXX which runs into the thousands. However, I do not have full amount up front and can not afford XXXX a month.
Product: Debt collection

I received a letter from a 3rd party offering legal services for a debt collection filed against me by LVNV Funding LLC on XX/XX/21. A docket sheet was included in this letter and when I searched the docket number I can see that there is a legitimate civil complaint filed against me and they are claiming I owe {$830.00}. This is scheduled to go to court on XX/XX/21 in Pennsylvania where I no longer even live. I have no debt showing on my credit report, have never been contacted by a company or collection agency regarding debt, and would not even have known about this civil complaint if it were not for the 3rd party ( XXXX XXXX XXXX ) sending the letter and offering legal services. I have tried to contact LVNV regarding this matter and have not been able to get any information about what debt they are claiming I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am part of a consumer credit transactions this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged due to Title 15 USC. 
BUREAU-1692a ( 1 ), 1681A ( 1 ) -4/ ( B ) COMMUNICATION-1692A ( 2 ) CREDITOR-1692A ( 4 ) Charge off/Repo DEBT AND DEBT COLLECTOR 1692A ( 5 ) Collections/Student loans CONSUMER-1692A ( 3 ) LATE PAYMENTS-1666B ( A ) INQUIRY-1681B ( 2 ) /3A ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. 

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Product: Mortgage

I purchased my home in XX/XX/2017. At that time I paid the property taxes in closing. In XXXX, Ditech paid those taxes again by their own error. XXXX XXXX immediately refunded the payment to Ditech. Since then, Ditech has continued to charge me for the payment they made in error to XXXX XXXX. The refund was not credited to my escrow account and Ditech has increased my monthly payments by nearly {$500.00} to cover the " shortage '' in escrow due to their error. I've contacted the company numerous time. My emails go unanswered. My phone calls are redirected repeatedly or I get hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX XXXX Account name : XXXX -Account name : XXXXXXXX XXXX  Account name XXXX XXXX XXXX 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 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 or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


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/year>
Product: Debt collection

I was never notified of this debt at all from Jefferson Capital. They are legally obligated to notice me of a debt before placing it on my credit report. It needs to be removed.

They are also not allowed to collect in the State of South Carolina. They have no collections license in SC. 

I am requesting them to Cease and Desist any collection efforts directed towards me physically and through reporting to my credit profile reports. I do not have a a contract with them. Nor do they have permissible purpose to report this collection on my credit report.