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

XXXX XXXX is reporting derogatory on my credit report, for a zero  balance account dated back in XXXX, refusing to remove via giving the run around on the proper channels to take to have it removed. 

Great Lakes sent loans into default after allegedly not being able to reach me on several occasions, I was not made aware of these finding until enrolling in college XXXX, After being notified of these findings, I immediately contact Great Lakes with concern, was under the impression the loans were in forbearance, but the rep told me something different, was told The time my loans were in forbearance was XXXX for 30days, which would have been unreasonable for me to do,, since I had fallen on Hardship for since XXXX. 
I Explained to the Rep if that was true why am I now being sent to the default statues 1yr and 4-5months later? when the allotted time after a missed payment or no further action to put the loans in any type of repayment plan is 270days. 
I Take Full Responsibility of the debt I myself agreed to and since being notified of the default findings I have worked with the Dept. Of Education and is now currently on a Rehabilitation Program. 
upon pulling my Credit Report I also found that the derogatory remarks are reporting on my credit, now I am aware that govt loan can be collected forever but after 7 years the negative remarks suppose to be removed, to my finding the delinquency dates of these loan are very inaccurate and untrue, and have requested on multiple occasions of payment history and source of payments for the accounts and this issue has not been resolved
Product: Vehicle loan or lease

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account number : XXXX, opened date : XX/XX/XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with ( company name ) for many years. 
During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
UnfortunatelyXXXX XXXX XXXX XXXX, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XXXX XXXX, XXXX I entered into a real estate installment contract with The XXXX XXXX for the purchase of a mobile home. The amount financed was XXXX and the interest was@9.50 % totaling a finance charge of XXXX for a contract total of XXXX. At some point in XXXX XXXX sold This contract to Green Tree Servicing. I received notice of this via a monthly statement from GT. I continued payments never missing one payment and incurring a late charge. On XXXX/XXXX/XXXX I received a notice from GT That my loan was seriously delinquent and I phoned GT and spoke to a XXXX XXXX who reviewed my account and informed me that my loan was, in fact, paid in full. She further stated that there was an error in the interest calculations. I made a total of XXXX payments totaling XXXX against a contract total of XXXX resulting in an over payment of XXXX. I therefore cancelled my last payment of XXXX and expected this matter to be taken care of. In XXXX of XXXX I spoke to a manager named XXXX XXXX who informed me that the error was recognized and would be corrected and written off. I heard nothing more from them until I received a letter from them dated XXXX/XXXX/XXXX stating that I owed them XXXX. I contacted the number on the letter and was informed that my account had been turned over for collection. They would not listen or accept any information to the contrary and wanted their payment. I refused to pay a debt that I did not owe. I called for XXXX XXXX, XXXX XXXX and a lady named XXXX and was unable to get in touch with anyone. Next I started receiving a multitude of calls from various collection agencies and explained to each of them that I did not owe this " debt '' finally the calls stopped. Today I received a letter from GT That showed a new creditor XXXX. and that it was an attempt to collect a debt. This is the operable straw that broke the camels back. Enough is Enough.I do not owe these people any money! If I had any inkling or could be shown any documentation that I did I would have paid them a long long time ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 249 THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. I ALSO FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm talking to XXXX XXXX from Experian asking him to dispute a closed account from XXXX XXXX XXXX # XXXX and he is refusing.
Product: Credit card or prepaid card

Today at XXXX I received a text from Fifth Third : A charged of {$600.00} posted to your card on XX/XX/XXXX if you do not recognize this click XXXX XXXX XXXX to stop payment. 

I do not have any banking/financial relationship with Fifth Third. Fifth Third moved into the area and took over the XXXX XXXXXXXX XXXX back in XXXX or XXXX. I did bank with XXXX XXXX and closed my checking and savings shortly after Firth Third took over and began offering a different type of customer service. 

I clicked on the link but stopped the spin/search it was doing. Blocked the number and came to this site. I then sent a text to XXXX with a screen shot of the Fifth Third communication. My service provided received the text and they'll take it from there. 

I received a text last week from Fifth Third on XX/XX/XXXX they were cancelling or stopping the debit card ; I deleted the text and blocked the number because it was weird considering I do not have a debit card or any card with Fifth Third and shouldn't receive a text from them at all. I mentioned to the teller at my credit union how odd I thought the text was. ( I happened to be at the credit union when the text came through ). Thank you for your attention and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent charge-off account from XXXX XXXX ( opened in XXXX ) that is still reporting on my credit report on Equifax. The dispute was submitted to remove the C/O account and it was removed in XX/XX/XXXX. However, I received a letter that it was re-inserted back to the credit report and now it's reporting on Equifax again. This reporting is showing on my credit report and it is causing me severe personal and personal reputation and financial issues. 
The charge-off accounts ( XXXX XXXX ) need to be removed again. 

Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I requested from XXXX XXXX XXXX cash app XXXX XXXXXXXX to return my money back due to a scam, saying he needed money for his father medical assistance, I sent him {$200.00} and than he text back saying that that his father needed more money because he needed to pay more medication that his father needed and the hospital he was in, didn't cover them, and that his father was very sick, I sent him another {$300.00}. XXXX XXXX XXXX stated that they will return the money once his father was out of the hospital, that his father bank accounts were frozen due to legal problems with his mother in law and that he would return the money on XXXX the XXXX XXXX, that was the date his father bank accounts would be available. Up to now he has not returned the money and I have requested to return it several times through cash app, and he has declined my request. I have already reported it to cash app and nothing has been done.
Product: Payday loan, title loan, or personal loan

Last week ( XXXX/XXXX/2020 ) Advance Financial took my regular payment plus an additional {$18.00} then tried to charge me {$18.00} more. I went on my account and unauthorized the automatic payments. Yesterday ( XX/XX/2020 ) they attempted to charge me {$17.00} twice ( {$34.00} total ) but not getting anything because I'm poor. This morning, they proceeded to take my last {$10.00} then tried charging an additional {$7.00}.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has changed the follower amount they say I owe numerous amounts of time. I will attach a statement below. The company has reported incorrect amounts and yet every time Ive disputed the validity of the dollar amount the account had been verified and updated to a different amount. Enough is enough. Under federal law anything reporting inaccurately should be investigated thoroughly and deleted if inaccurate. This company has been caught trying to hold an incorrect debt on my report. Another thing, all three bureaus are reporting my high credit balances differently, the payment histories are all wrong.
Product: Credit card or prepaid card

I did not pay my 1 % financial responsibility by XX/XX/2018. I did it by mistake trying to avoid the previous problem reported to you, when they tried to penalize me for " paying early '' claiming it was a double payment ... Nevertheless, now the ignorant, no only has made erroneous claims that I have been paying late, but they have rounded up my balance due, pilfering or embezzling {$0.00} from me. This is absolutely egregious. If they have any authority to do " cash rounding '' - a phrase I found via XXXX. If they do, then they are likely generating millions by robbing millions of people across the country and State of Michigan of our personal property : quarters, dimes, nickels and pennies every month. Just imagine what they are doing to grandmothers, and single mothers who just are too occupied to pay the attention necessary to identify these unscrupulous activities. I paid their late fee. I paid their interest rate. I will tentatively pay their claim for {$0.00} so as to not subject my account to another late fee, but I request that you demand that they return my {$0.00}, and persecute them on my/our behalf with respect to principles under the ( 1 ) Michigan 's Scanner Law - The Shopping Reform and Modernization Act, Truth in Lending Act, Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act, and the like.
Product: Credit reporting or other personal consumer reports

XXXX XXXX case # XXXX account # XXXX XXXX  XXXX This company did not stop collection during a dispute XXXX they also still havent sent a validation of debt. This account is destroying my credit and is fraudulent. 

If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Mortgage

Rushmore Servicing- I have been requesting to close our account since XXXX. I have called and no one could seem to answer my questions or would send me to the wrong contacts. Finally, at the end of XXXX, I received a payoff request from the company ( which there was no money owed ), but they requested {$61.00}. I filled out the requested forms, got the cashier 's check, and overnighted the documents. When I looked online, Rushmore Services applied my {$61.00} to a principal payment that is not needed. They never closed the account. I have tried to contact them by phone and after all the automated prompts, I finally get to a spot where they are going to send me to a service representative and then told they can not take my call and there is no way to leave a message. I tried to email the company again and they told me I had to call. I just want to close my account which I owe nothing on and haven't owed anything on it.
Product: Credit reporting or other personal consumer reports

While checking my personal credit report, which I acquired from XXXX, Equifax. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/year>, and XXXX XXXX XXXX on XX/XX/year>. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity.
Product: Credit reporting or other personal consumer reports

Numerous dispute filings with Equifax to remove paid debt from newrly 7 years ago ( XXXX XXXX  ) the creditor has no ability to locate this record amd has indicated that they would remove the reporting if the Bureau asked through a dispute. Equifax does not investigate properly at all, and still maintains the record. XXXX and XXXX removed the file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I followed all the instructions from Equifax and contacted the company, their response was yes payments were received and the account has been sold, so although paid the other company now has the account. I asked if XXXX knows that its paid in full why wont they reports the account as paid?. Infield a complaint also with the FTC They gave me information on fraud Response to your complaint Ref No. XXXX. 
Thank you for contacting the Federal Trade Commission. We have reviewed your complaint and have determined that the following information may assist you.

10 Ways to Avoid Fraud - http : //www.consumer.ftc.gov/articles/0060-10-ways-avoid-fraud The Florida Consumer Collection Practices laws, 559.55 to 559.785. 
This indicates to me there is some fraudulent activity from XXXX and Equifax. I have submitted the documentation that account is paid and it still stands on my credit as a refusal to pay and preventing me from increasing my credit score to purchase a home. The account is paid and to be advised to contact the reporting agency is crazy and also illegal.Florida has enacted additional laws that supplement the FDCPA, and may provide you with even greater protection than the FDCPA if you live in this state. Florida 's Consumer Collection Practices Act ( FCCPA ) protects you from abusive debt collection practices. Like the FDCPA, the Florida CCPA covers debt collectors. 

I have a private cause of action a creditor or debt collector has harmed me and are in violation of the FCCPA. This means that I can file a lawsuit in Florida against the collector or creditor. I may be awarded : actual damages statutory damages not to exceed {$1000.00} possible punitive damages ( at the judge 's discretion ), and attorneys fees and court cost I will move forward and also file a complaint with Florida 's Office of Financial Regulation. 

A debt collector ( but not a creditor ) uses abusive or deceptive collection behavior, I know I may also be able to sue under the federal FDCPA. For more information, visit  XXXX 's Illegal Debt Collection Practices The FCCPA requires all debt collectors, including those located out-of-state, to be registered with the State of Florida. Only debt collectors are required to register. Those who are exempt from registration include : original creditors attorneys banks and other financial institutions, and real estate and insurance professionals. 

Remedies for Failing To Register An unregistered debt collector may be subject to administration fines of up to {$10000.00}, plus attorney 's fees and cost.
Product: Debt collection

I was a resident at The XXXX XXXX  in XXXX, TX from XXXX XXXX of XXXX. When moving out of this complex, I was told that there were no charges that needed to be paid before moving out by the property manager. In XXXX of XXXX, I received an email from The XXXX XXXX  stating that I had a balance of {$690.00} that needed to be paid, which included false charges as in rent and late charges. I then proceeded to contact the apartments, but never got a response. I also contacted XXXX XXXX, which is the property group that owns The XXXX XXXX and I never got a response from them either. A couple months later in XXXX, I receive a notification from XXXX XXXX stating that there is a collection on my credit report for {$690.00} by ProCollect agency from The XXXX XXXX  ( XXXX XXXX ). I was not able to take care of this collection at the time because of a family loss. At the end of XXXX, I drove to the XXXX XXXX corporate office in XXXX and demanded to speak with a regional manager because of the collection taking a toll on my livelihood and after multiple attempts of contact with no response. Later that day, I received an email from XXXX XXXX, who is a regional manager for XXXX XXXX. In this email was a re-finalized statement with all charges dropped because of them being false. I have disputed the collection with all credit bureaus, including ( XXXX, XXXX, XXXX, ProCollect Agency, etc. ) and only XXXX has disputed this collection off of my credit report. I have tried countless times to remove this collection from my account and nothing is working. It has been months and I absolutely can not keep living with false charges on my account with no one wanting to help me.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.