23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Zwicker and Associates issued a lawsuit on behalf of XXXXXXXX XXXX when I defaulted on a loan account. The promissory note signed between XXXX and myself mandates an arbitration clause that reads If either you or we elect arbitration, neither you nor we shall have the right to litigate that claim in court. XXXX is violating this binding promissory agreement by litigating when I have elected arbitration in this case. The attached promissory note also outlines that the arbitration provision survives termination of the loan and any legal proceedings by us to collect a debt owed by you. ( See subsection T of promissory note )
Product: Credit reporting or other personal consumer reports

Ive requested by mail also via telephone company refuses to issue me said document Im being placed on hold then phone disconnects.
Product: Vehicle loan or lease

Due to the XXXX ( XXXX XXXX ) my family and I were displaced and could not make the payments on our vehicles. The stresses of all of this caused my wife to leave me. I am now stuck with two car payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the claim of civil liability for negligence and non-compliance under Code 16810 that has been asserted against me. The claim alleges that I am responsible for credit inquiry 's that I did not authorized, and I believe that this claim is unfounded. 

I respectfully request that this matter be reviewed and resolved based on the following points : Lack of Negligence : Contrary to the allegations made, I have taken all reasonable steps to ensure compliance with applicable laws, regulations, and standards. I have [ describe actions you took to avoid negligence or to comply with requirements ]. The claim of negligence is not supported by the facts or evidence at hand. 
Compliance with Relevant Requirements : I have complied with all relevant provisions as required under [ specific laws, regulations, or agreements ], including [ list any relevant actions, documents, or communications ]. To my knowledge, I have met all obligations and responsibilities that are outlined under Code 16810, and I have documentation to support this.

Absence of Fault or Harm : In relation to the alleged harm or damage, I would like to emphasize that no actual harm has been caused as a direct result of any action or inaction on my part. Additionally, I believe that the claim of negligence does not demonstrate causality between my actions and the alleged consequences. 
Upon review of the claim, I have found several discrepancies that suggest the claim is based on inaccurate or incomplete information. Specifically, improper investigation. Requested proof of how it was validated.
Product: Student loan

My loan is separated into different accounts from there into separate disbursements that have separate rules for interest rate reduction and subsidized/unsubsidized status. For more than one whole year, I have put {$400.00} extra into my payments to ACS for my XXXX student loan. I have explicitly requested ( sometimes on a monthly basis ) that all additional payments be allocated to specific accounts. At first, I requested to allocate them to the loans that did n't qualify for interest rate deduction for auto pay. After discovering the ability to see the different loans on my account ( by accident, as it is not explicitly explained on the website ) I started requesting the amounts over my minimum payment be allocated to loan # 6 because that loan is unsubsidized and has the highest interest rate. I tracked my account balances in a separate XXXX spreadsheet ( attached ) because I have no trust in my loan servicer to follow my instructions. The account balances decreased, not at the rate I thought they should have, but that is not the primary issue here though. Between XXXX XXXX and XXXX XXXX, a time period that included a regular monthly payment, my account balances for my highest interest rate loans, # 5 and # 6 both increased. Loan # 5 increased from {$3500.00} to XXXX. Loan # 6 increased from {$3400.00} to XXXX As I understand it, this occurred during the time that XXXX was selling it 's student loans to XXXX, which makes this an even bigger potential issue than my account alone. I submitted a complaint quickly on XXXX XXXX. I received confirmation of receipt and that I would receive response within a week. As of today, XXXX XXXX I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX was placed on my credit file it was never validated also they put my dispute statement as my personal statements so everyone can view it. The original creditor ( XXXX XXXX XXXX XXXX knows I was living with someone at that address they need to validated it XXXX of 2016 shows this is not my debt it belongs to someone else
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and Fraud and had someone open several accounts using my personal information and then default on those accounts which are reported on my credit reports. I filed a police report, submitted a FTC Fraud Affidavit, and disputed the fraudulent accounts with all three credit reporting agencies on XX/XX/. I included the police report and the fraud affidavit with the disputes which included, two different XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and a collection account from XXXX XXXX  that was attempting to collect a debt from a fraudulent XXXX XXXX. I also sent each of these companies the police report and fraud affidavit letting them know the accounts were a result of identity theft. 

I was under the impression that they had 30 days to respond to my disputes however, neither Trans Union, XXXX or XXXX responded and when I checked my credit report the fraudulent accounts were still reporting. So, on XXXX  I decided to send my disputes again along with the police report and fraud affidavit to all three credit reporting agencies asking them to remove the fraudulent accounts from my credit report because they were hurting my credit and preventing me from being financially stable. 

I did get a response back from Trans Union shortly after asking for more information which I had already provided including my Driver 's License, Social, and Address Verification. I again waited another 45 days and got no responses or confirmation in the mail that the accounts were deleted from the three credit reporting agencies. I checked my credit report and noticed that some of the accounts had been deleted. However, they were deleted from one bureau but not the other two or they were deleted from two bureaus but not one. It made no sense that one bureau would delete an account and the others wouldn't or two bureaus would delete the account but not the third. 

So, on XX/XX/ I decided to dispute the fraudulent accounts that were still reporting asking them how they verified these accounts and to send me documentation they used to verify the accounts which is what I read on they are required to do if requested. Again, I included the police report, the fraud affidavit and all of my verification documents and this time waited 60 days for a response and received nothing. I don't understand how these credit reporting agencies can just ignore you and not respond when you have ID Theft and fraudulent activity which is putting me at risk and causing me financially instability. 

I checked my credit reports, and these fraudulent accounts are still reporting, and I don't know what to do other than ask the CFPB to step in and investigate the credit reporting agencies. They are blatantly violating my rights that are supposed to be protected by Federal Law. I'm not sure how they're allowed to get away with this gross negligence.
Product: Debt collection

My credit report lists accounts I didnt authorize. Request an immediate block and removal.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX
Product: Debt collection

I was contacted by phone today XXXX by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX They said that I owed money to Bank of America and were threatening to sue. They sent me an email of a letter stating that I owed Bank of America {$2300.00}. I do not remember owing Bank of America anything although I had a credit card with them many years ago. I asked them what was the date of the last transaction and they said it was 18 years ago. I told them that I did not remember owing Bank of America anything and anyway, if I did, the statute of limitations would have passed. They said that they had a copy of a Tolling Agreement signed by me recently which waived the statute of limitations. I have never heard of a Tolling agreement and have never signed one. I asked them to provide such a copy of the tolling agreement with my signature on it and they said that they could only show it to me in court. Then they said that they would have me served with a law suit in the next 48 hours.
Product: Vehicle loan or lease

In mid XXXX my car was repossessed by XXXX XXXX. I admit that there were errors on my part and wanted to get my car returned. While speaking with XXXX in the recovery department she stated that 1. XXXX XXXX had received no payments from me in months 2. She would have the repossession and late fees removed 3. That {$1300.00} would bring me completely current to my XXXX payment and allow me to retrieve my vehicle. On the following Monday I sent the required amount by XXXX XXXX to XXXX XXXX and notified them of the transaction. After several emails to swear I would stop payment and multiple calls I received an email stating they made an {$8.00} mistake that must be paid prior to retrieving my car. My fianc and I spoke to a manager XXXX who released my car and confirmed to us both that nothing further was due on my vehicle besides the {$8.00} and the up coming XXXX payment. Since then I have had nothing but nightmares from XXXX XXXX. They have failed to credit my account with payments made, called 20 or more times a day while Im at work, and made repeated threats that they havent received car payments for months. I have started 3 Manager reviews requesting they 1. Review the phone recordings and emails 2. Post payments correctly and 3. Correct my account to show the appropriate amount due and current correct payoff amount. I have had this {$16000.00} loan for 3 years and still owe XXXX and the amount due since XXXX is over {$2000.00} on a monthly payment of {$370.00}. I have not heard a reply by letter, email or call from any request for review. I did receive a voicemail requesting that I return a call to XXXX. When I attempted to call XXXX at the number left a XXXX answered stating they hadnt received a payment for XXXX, XXXX or XXXX. The attached files will show they received payment plus extra. I however have not received correctly posted payments or account corrections based on the original information I received. The last manager I spoke with promised to reply within 24 hours. I have still not heard back from manager XXXX XXXX in over a week. XXXX XXXX did come to my house and leave a threatening letter however but can not reach me to solve their issues.
Product: Credit card

PayPal credit also known as bill me later failed to follow company procedures per their own terms of use when processing XXXX returned items. The failure to promptly apply the credit back to the paypal credit balance, instead of issuing a credit directly back to the PayPal account & removing the transactions that had promotional deferred interest attached they issued a general credit to my regular paypal account past the promotional expiration date. They failed to ever place the amount on hold for investigation as well, after I opened a dispute per the terms of use in XXXX when the transactions and Returned items still had not been refunded. To date i have an accumulated interest amount of XXXX and increasing because of the shear stupidity and inability of any of the customer service representatives to grasp the basic concept of how interest charges accumulated erroneously. They have issued a credit for the deferred interest amount that was initially added to theprincipal balance but that has done nothing to rectify the account errors. My perfect payment history and proper allocation of funds will show the account bearing no interest once the account is audited back dated to XXXX/XXXX/2013 when this entire nightmere began. All phone calls and conversations are documented for my personal references regarding this matter. I record all phone calls with all businesses that I interact with in an unbiased fact of the matter reference without prejudice for my own safety and quality assurance. XXXX amendment grants me the right to bear arms without infringement. The recordings serve as a form of armor to ensure integrity in all of my business dealings.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Re : Old Debt Item Dear Sir or Madam : I am writing to request the information that your company provided to national credit reporting agencies be removed from my credit report. According to the XXXX credit bureau, this account was charged off on XX/XX/XXXX in the amount of {$3500.00}. The initial delinquency dates back several years ago during my XXXX studies. This account became delinquent because of financial hardship that I experienced in the past. In the years past, I have begun to rebuild my credit and established a good payment history with my current creditors. As a show of goodwill, I kindly request that Chase remove this item from my credit history. Please contact the national credit reporting companies to which you provided this information and have these agencies delete the stated collections item, as soon as possible. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Second Round LP in regards to a collection reporting on my XXXX  credit report which I have no idea it was still on there. I was told by the XXXX XXXX agency XXXX XXXX infomed me that this account has been in dispute for over 2 years. He informed me the account was originated XXXX XXXX and XXXX XXXX took over the account which he said the information is reporting wrong address and name. A dispute to this account was on XX/XX/XXXX through XXXX  and did not get a response within 30 days. I m very distress because this account is fraduently reporting on my credit report.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, my student loans were transferred from Nelnet to XXXX XXXX. The change was never notated on my XXXX report. I filed a first dispute with XXXX on XX/XX/XXXX. No change was reported and it still shows that I have the account with Nelnet open. Since the report shows accounts with Nelnet and XXXX being open with a balance, it also shows twice the amount of debt than what I actually have. On XX/XX/XXXX, I called Nelnet on their customer service line and they were unhelpful. They said that there is nothing that can be done on Nelnets end and they advised me to file a dispute with XXXX. I filed a second dispute with XXXX on XX/XX/XXXX and no change was made to my report.
Product: Credit reporting or other personal consumer reports

I applied for a car, I only gave the dealership permission to run my credit once. They ran it over 5 times which resulted in credit damage. According to FCRA 605B, it is illegal to report information on my credit report without my permission. This is a defamation to my character and I would like this removed immediately.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service is an unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial losses, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I attempted to access my CashApp account and was unable to. I used my phone number for the account, it sent me a code and then as a security step it asked for my debit card details. Although the debit card attached to my account was expired, I inputted the details as requested however as it was expired, the app would not accept the expiry date. I contacted customer services who attempted to link the old account with a new account but was told that were unable to grant me access to the funds in my old account for security reasons. They said to protect my current account, ( which is the new account that was set up to recover my old account ) they can not override the decision. Essentially locking me out of my funds in my old account and offering no alternative way of verifying my account. They said no further action can be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

At least 15 different accounts is inaccurate and fraudulent. Also, all three bureaus show different information with confirms my statement under the Fair Credit Reporting Act. I have documentation which lists which account or inquiries are to be removed. I have also sent papers to each of the credit bureaus to have this removed and investigated around XX/XX/2021.
Product: Payday loan, title loan, or personal loan

UNFAIR & BIASED. almost a 4 yr relationship, have my direct deposit setup, all is good. applied for their personal line of credit with XXXX XXXX, no late payments/collections/anything bad on any of my credit files. Declined after 5 days because of XXXX $ account fees charged to my 3yr past closed checking account ( apparently it took them 3 months to close it after i put in the request & they charged XXXX $ /month for the next 3 months for not maintaining minimum balance ), never received any form of communication regarding that, never even mentioned it when i went in to open another checking account few months later, i have a relationship going on with direct deposit setup, even received some pre approved offers. so, i disputed it, took them 7 days to remove it, i called in and asked for review since the initial reason for denial was  no longer valid, after 5 days i received a call saying they can approve it but - 1. i have to provide 47 paystubs from 3 different employers, ( like for a mortgage ) 2. pay off my XXXX ( 8 APR ) XXXX  loan. its like they found no reason to deny thus making it impossible to comply. under fair conditions no lender would ask to pay off a XXXX - 8.0 APR loan & 47 paystubs to approve XXXX - 11.5 % APR loan.
Product: Debt collection

Upon checking my XXXX credit report I noticed that Medical Data systems reinserted an account on my report that was removed in XX/XX/XXXX.  I never received any documentation about this debt. I have never done any business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

The successive, large, and multiple insufficient payments on my card in 2017 were not authorized, not mine, and were not drawn on my bank account. The payments were immediately available for purchase. The payments then bounced, and forced my credit limit to be exceeded. I did not have control of the fraudulent payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018, I received my car insurance renewal from XXXX XXXX in XXXX XXXX, Virginia. For the past three years my car insurance rates have increased, even though a vehicle has been dropped from the policy. Every year the XXXX XXXX XXXX attaches a letter to my policy that is entitled " Credit Adverse Action Notice ( see attachment ). '' I complained to XXXX   last year after receiving the same letter from XXXX XXXX, I never received a response. The insurance company justifies the rate increase each year by stating in the letters that " insurance scoring '' was utilized and that factors in my consumer credit report warranted me not getting the best possible insurance rate. The letter this year justifies the increase by identifying four factors in my credit report that affected my insurance score. The letter goes on to state that two separate credit models were used to determine my insurance score. XXXX  XXXX developed one credit model called " Custom '', TransUnion developed the " CreditVision '' model. My wife and I have have excellent credit, XXXX and XXXX, respectively. According to several of the major consumer credit reporting agencies we have no derogatory marks on our credit reports, but these two models found four negative factors : TransUnion Custom Lack of substantial credit history - XXXX   Recently opened auto loan account or no auto loan on report - TI TransUnion CreditVision Age is XXXX and average number of months trades on file is XXXX Aggregate credit card payment/balance ratio over last 12 months Months since oldest mortgage opened is 49 months or more. Optimu Months since most recent credit card opened is XXXX to XXXX. Optimum None of the above cited factors are contained in any of our consumer credit reports. Additionally, when did insurance companies become experts in the credit industry that they have developed a credit model that they use to increase consumer rates. 

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