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

Final Warning to all imposters using false statements and identity theft for profit and or gain! 

XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and the CFPB. 

Your lack of response, acquiescence and continued damages to our, character, reputation and credit have created a tort, or torts, against My Human Self. 

NOTICE of the Commercial Lien Process I have implemented. 

A Common Law Commercial Lien is a process that any Human Being can employ in order to obtain lawfulremedy from the actions of another Human Being ( s ) who have or have attempted to or have conspired to- damage said Human in some way. Such wrongs are known as torts and are the subject of Tort Law. This includes harassment, such as threats with menaces, which is considered to be psychological damage, and also defamation of character, which is also considered to damage a reputation. The reason for this is very simple : Since all are equal under the LAW, then each Human Being has a Duty of Care to each other Human Being, such as to make sure that whatever action we take towards each other we have the Common Law behind those actions, and thus can live together in peace. Abrogating said XXXX XXXX XXXX is a CRIMINAL ACT and constitutes a tort against BMO Bank and you, XXXX XXXX XXXX in your personal capacity. 
You had 30 daysto respond with a XXXX XXXX, as of XX/XX/year>, this has not occurred. Identity Theft under Kansas XXXX XXXX is a severity level 5 or 8 nonperson felony. I will also be looking into filing under the False Claims Act for failure to follow throughwith your fiduciary responsibilities to act in my best interest, as noted in past certified mailings.
Product: Debt collection

this account was created as a result of identity theft and was created online without my consent
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 XXXX. 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 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

XXXX XXXX has been reporting incorrect information on my credit reports. I have 2 accounts that were closed. I settled the first one ( XXXX ) back in XX/XX/2023 and they didnt update my credit reports as paid off and had an outstanding balance. I disputed these issues and the amount was changed to {$0.00}. The second one ( XXXX ) I also paid off. They updated the information this XXXX after I paid it off and its still wrong. I dont owe XXXX XXXX anything. Ive been making payments on XXXX since XXXX and paid the rest off in XXXX. There shouldnt be a past due amount of {$810.00} on my account. Both accounts are settled for less than amount. I disputed this second account. XXXX said the information is accurate on my credit report when their payment status, account status and amount are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX loan ID # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX VIA XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  CT XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I couldn't believe it when I saw incorrect accounts on my credit report this morning, and I have no idea where they came from. I check my credit report all the time, and Ive never seen anything like this. I even refreshed the page, hoping it was just a glitch, but the false accounts stayed. Im requesting that the documents Ive submitted be thoroughly examined so I can stop stressing about this issue.
Product: Debt collection

PHOENIX RECOVERY GROUP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX PLACED FOR COLLECTION XX/XX/2019 OF BALANCE XXXX. WAS UPDATED AGAIN ON REPORT ON XX/XX/2019 WITH ORIGINAL AMOUNT BEING XXXX I DISPUTED BALANCE OF NOT OWING ANYTHING. MOVED OUT WHEN LEASE WAS OVER WITH NO BALANCES. OWNER WAS AWARE. COLLECTION COMPANY TOLD ME THAT DEBTOR PRESENTED INFORMATION STATING I OWED BUT NEVER PRESENTED IT TO ME AND TOLD ME THAT I MUST OWE BALANCE. NO LEGITIMATE REASON GIVEN AND NO PAPERWORK TO SUPPORT ARGUMENT ON THE DEBTOR BEHALF
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 All of the above references are fraudulent inquiries. 

Section 605B of the fair credit reporting act requires consumer reporting agencies to block fraudulent information on the consumers credit report if consumer claim it was a result of identity theft create a report of agencies must block information within four days of receiving this information Failure to respond with deletion of the above reference accounts and send out a free copy of my credit report will result in legal action being taken against your company for which I will be seeking 1000 per violation for : Definition of character Neglect enablement of identity fraud Section1681EB of the fair credit reporting act Section 605B of the fair credit reporting act
Product: Checking or savings account

On XX/XX/XXXX my account was with no funds, and my monthly {$2500.00} gym membership was deducted and Bank of the west charge me {$3500.00} overdraft fee that was not authorized. Because when I open this account the XXXX ask me what I would like to do if was no funds. And I opt to don't charge me overdraft and simple decline the transaction. They didn't right and don't honor it. I already tried to solve with the bank but nobody answer me.
Product: Money transfer, virtual currency, or money service

I made a partial payment for materials and labor for remodeling work at my building which is located in XXXX IL. I live in California and the job was supposed to be done in XXXX IL. The contractor told me that he is doing the work and sent me fake photos of material and the job location. The imposter XXXX did not do any of the work. The job was never started and the XXXX took my money and left. I put my savings to fix this property and this person took advantage of me. The transaction has been made on XX/XX/year>, and I have disputed it with the bank in the amount of {$7500.00}. The bank never investigate my dispute and rejected it after a few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm asking you to adjust this suspicious data a number of times. I will file a lawsuit against you because I believe you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my prior COMPLAINT #, and I'm including it once more. Please don't disregard my plea to correct these false entries in my file.

Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This correspondence is in response to my request for a courtesy/good-will credit retraction and the response I received on XXXX XXXX, XXXX. In the letter I was told that such late payments on credit reports could not be removed due to regulations promulgated by the FCRA. Contrary to these assertions, by failing to update previously reported information, FedLoan Servicing Credit is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Here is a link to the FTC advisory opinion I am referring to in the rest of this letter. https :  XXXX The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
FedLoan Servicing Credit representatives told me that because the delinquent payments were accurately reported in XXXX and XXXX of XXXX and that FedLoan Servicing Credit will not update this information. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *
Product: Credit reporting or other personal consumer reports

Despite my previous disputes, the creditor continues to knowingly and willingly report false information, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Here is the breakdown of the discrepancies : Experian : Shows two late payments ; one for 30 days another for 60 days. XXXX : Shows one 30-day late payment. XXXX : Shows two late payments ; one for 30 days another for 60 days. This inconsistent reporting not only demonstrates a lack of compliance but also indicates intentional misconduct. Furthermore, there should not be any late payments associated with this account. The creditors deliberate actions are causing undue harm to my credit profile and financial well-being, as this inaccurate reporting has adversely impacted my credit score and my ability to secure financial opportunities. Under 15 U.S. Code 1681s-2, creditors are obligated to report accurate and consistent information to credit reporting agencies. The continued failure to do so, despite prior disputes, is not only negligent but also a willful violation of federal law. All three credit bureaus are reporting different information and according to 15 U.S. Code 1681e - Compliance procedures, " 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. '' This is a direct violation and furthermore proves that there was no investigation to provide proper verification. The same information should be reported across all three credit reporting agencies.
Product: Credit card

I received a letter from Chase/Amazon regarding some transactions on a credit card. I do not have a credit card through them and never applied for one. Someone else must have gotten a credit card in my name. I called Chase immediately and froze the card and called XXXX and put an alert on my credit for 12 months.
Product: Student loan

I graduated from business school in XXXX XXXX XXXX with XXXX different student loans. On XX/XX/XXXX, I applied for the SAVE program to lower my required interest payments on my student loans, which would help me pay for my recent XXXX XXXX from XXXX XXXX XXXX XXXX. FSA passed on this application to Nelnet on XX/XX/XXXX. Nelnet officially accepted my application on XX/XX/XXXX, and changed both of my XXXX XXXX  loans to the SAVE program, but failed to change my XXXX XXXX  loans to the SAVE program - instead, they were marked " Standard Repayment ''. 

My total loan principal is {$210000.00} and I had no income as of my SAVE program application date. Under the SAVE program, interest above required monthly payments is forgiven. During the period from my application date until XX/XX/XXXX, my monthly loan payment should have been {$0.00}. My interest accrual therefore should have also been {$0.00} according to the SAVE program guidelines.

I called Nelnet 's Customer Service line on XX/XX/XXXX and waited on hold for XXXX hours before the end of business hours required me to hang up. I called again on XX/XX/XXXX in the morning and after over XXXX hours ' wait I was able to speak with a customer service representative. I asked why the SAVE program wasn't applied to XXXX of my loans, how long it would take for the SAVE plan to show up on the other XXXX loans, and whether I needed to take any further action. The representative stated that I did not have to take action, that she flagged my account for action, and that I should check back in within a few weeks for the SAVE program to be fully processed. Weeks passed, then months, and nothing changed.

On XX/XX/XXXX, my annual income changed to {$72000.00} after I was hired for my first job following graduation. Although I'm not required to re-verify my income until XXXX year after my initial SAVE application date, I reapplied for the SAVE program on XX/XX/XXXX in a second attempt to fix the XXXX loans that remain in " Standard Repayment ''. Nelnet received the new application on XX/XX/XXXX. Still, XXXX of my XXXX loans are in Standard Repayment. Now, all XXXX of my loans ' status are marked " XXXX XXXX XXXX ''. 

Throughout the period from XX/XX/XXXX until present day, I have been unable to enter repayment due to a failure of Nelnet to apply the SAVE program to XXXX of my XXXX student loans. I believe that Nelnet is maliciously failing to apply the SAVE program to my account in an attempt to delay the interest forgiveness provided by the SAVE program.

Since interest did not start accruing on my account until XX/XX/XXXX due to the end of the federal pause on interest accrual, this applies to the full interest balance of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

After applying for a loan, Equifax is reporting my address incorrectly ( XXXX XXXX XXXX # XXXX  XXXX MD XXXX ) wrong address, and has an Online Credit Collection Agency for XXXX XXXX ( XXXX ) account on my credit report with a fictitious account number. 

XXXX XXXX is unable to verify or dispute the collection account information. 

Collection information that was reported incorrectly was removed from the report then replaced back on the report with a more recent date of report. 

These issues are causing hardship for me to get housing, a loan, a job or advance credit.
Product: Credit reporting or other personal consumer reports

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I demand that you immediately cease employing stall tactics and take action to remove these inaccuracies from my credit report.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports.

That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you ou have violated my consumer rights as a federally protected consumer.

Your credit reporting agency has been reporting inaccurate and incomplete information to my credit report.

I am distressed that these referenced inaccurate accounts are on my credit profile. I want to emphasize that these inaccuracies have caused damage to my financial well-being. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report. There is not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS.

1 of 7 While these third-party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues.

Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz.

2018 ), they may be liable for false reporting.
Product: Student loan

My husband and I took out  Parent Plus loans for our  XXXX  kids for college totaling {$110000.00}. We consolidated the separate loans into the one hu ge loan amount and the disbursement date w as  X/XX/2008 .  Unfortunately my husband is in the   XXXX   XXXX   and about same time first payments were due is when financial meltdown happened and my husband lost his job.. What was then  XXXX   XXXX   said to  put in forebearance during this time.. We did.. And had to off and on during the next 5 years or so due to difficulty in finding permanent employment in the financial climate at that time.. During this time we had to file for bankruptcy, sell our home after almost incorrectly being foreclosed on. For last several years we have steady employment and every monthly PLUS loan payment paid in full and on time. ( would like to point out during the time of off and on forebearance we Never allowed our loan to go into default ). Very long story made kind of short our loan balance is currently {$160000.00} from what started as {$110000.00}  loan.. Due to capitalized interest our loan balance has   increased over {$50000.00} ... Insane!! We asked Navient several times along the way to possibly reduce at least a portion of the capitalized interest because that just increases the payment therefore increasing the difficulty to pay.. Was only told they do not reduce interest.. Seems as though at most vulnerable time  Navient  has totally robbed us by increasing loan amount and not being willing to work with us at al l .. We take  this debt as well as all debts with seriousness they deserve.. Those were very unfornute terrible financial times and deserve a little more flexibility and options rating than being taken advantage of.. Somehow when speaking to cust rep at  Navient today I was told our loan term had been extended due to forebearance and also 3 years for graduated repayment.. I assumed the 3 year portion was just part of the loan term. So what started as a 25 year term is somehow now 35 years. ( was told five for forebearance and three for the graduated repayment.. Which obviously still does not add up to  10 year increase ) when asked for another number I could call to discuss these questions over inaccuracies I was told there is no number for that, only an address to mail.. I told him it is extremely hard to believe that a company as large as Navient and he is telling me there is no number to discuss discrepancies..
Product: Debt collection

Delamrva, a collection agency is harassing me at work. I did not give them this number to contact me while im at work. I asked them to stop but the calls continue.