23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Someone used the last four numbers of my social security account to open an account at XXXX XXXX XXXX XXXX somewhere in Texas for {$1800.00}. I am not sure what date it was, but in XXXX XXXX, 2017 Security Credit Services purchased this fraudulent loan, and proceeded to try to collect this bogus account. I tried to talk to them but they wo n't budge.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Specifically Cashapp failed to take timely and effective measures to address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution measures under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress of these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my account reporting on my credit report.
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 U.S.C 1681. 
XXXX # XXXX Months XX/XX/XXXX XX/XX/XXXX XXXX  # XXXX Months XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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, other that 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: Mortgage

SPS Loan Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX This short sale was started XXXX/XXXX/2016 with SPS. SPS has been repeatedly obstructive to the short sale process since the beginning. There have been other issues to which I should have filed a CFPB complaint in XXXX, but did not. However, their obstruction of this short sale has not ceased and I am compelled to file this complaint. 

SPS 's 'new issue ' with this short sale is claiming that they must have an authorization that matches the listing agreement, the addendum, and XXXX TD approval. Requiring an addendum that matches the listing agreement is not only NOT a valid requirement for a short sale, but this has ALREADY been sent to them. It was sent to them on XXXX. We have since confirmed FOUR TIMES with the negotiator that the authorization IS IN FACT in their system. 

SEVEN times we have confirmed with the negotiators at SPS that they have received the addendum. Then we follow-up three days later, and EACH OF THE SEVEN TIMES we are told that the underwriters are STILL missing the addendum. 

SPS claims they will move the XXXX XXXX approval requirement to a prior-to-close condition. I have no faith they will do this without further obstruction. 

SPS will continue to behave in an obstructive and fraudulent manner in this short sale process until someone makes them stop. 
To the CPFB I request that you PLEASE do something about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 or other personal consumer reports

I am trying to buy a house and I realized there were damages on my credit report. According to the 15usc code 1681 there shouldn't be any damages on my report because it is a defamation to my character. On XXXX, I contacted all three bureaus via phone to remove the fraudulent information that is reported on my account including addresses. I asked for a thorough investigation which was not received.
Product: Debt collection

One day out of the blue I got a phone call stating I owed a medical debt in GA. However I live in SC and have medical insurance as well. I requested verification of the debt including purchase agreement and wet signature agreement from original creditor. I never heard back from them and 3 to 4 months later my credit report shows it as a collection. I notified XXXX and they refuse to remove the debt as they have the start date in XXXX, information they gave me over the phone was start date of XXXX ( XXXX I believe ). They called me with 2 months left on the 7 year statute, refused to verify and then reported to credit as if start date was XXXX. I already disputed this same collection from XXXX ( XXXX XXXX XXXX ) who said they would look into it but never responded ( I moved so they may have and I just didn't get it ) however they never added to my credit report so I assumed they dropped it. Apparently they sold it months before collection statute expired illegally without validating the debt. 
XXXX was informed and refused to validate the date to FCRA standards and instead state name and social match and put a statement on my report that " customer disputes ''. I need this report from Credit management Co who bought it from XXXX XXXX response removed from my credit report to comply with FCRA statutes, if they wish to pursue the debt they need to send FULL validation along with purchase agreements from XXXX and new company along with wet signature from original creditor. I don't live in GA so there is no reason for me to have medical debt from that state.
Product: Credit reporting or other personal consumer reports

I already did 5 times dispute the information reported on one of my account and Equifax never send me proof why the are reporting me a late payment on XXXX XXXX account number XXXX on XXXX XXXX i have never been late on that account
Product: Credit reporting or other personal consumer reports

In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681 5 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and the request to is to remove late payments and an account only charge off once not every month thats inaccurate and grounds for deletion in itself per 15 U.S.C 1681e ( b ) Accuracy of report 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. A charge off reporting every month is in direct violation of the F.C.R.A. Either one of two things are happening you moved the account into charged off status and the IRS has XXXX the debt deeming it canceled or forgiven which is also considered income and your falsely saying I owe money on the debt or you havent charged it off and you falsely claiming that its been charged off on my report to tarnish my credit report month after month and dont think for XXXX minute that I wont XXXX you for statutory damages for violating my rights please fix it XXXX XXXX XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/year> and a balance of {$4000.00}.
Product: Credit reporting

Had XXXX old accounts from credit card companies. By statute under FDCPA they are to come off after seven years from date of last payment. Both XXXX and XXXX removed the inaccurate data no problem. Equifax has investigated it for 30 days and reported the same information. I told them last payment on accounts was XXXX 2009 and asked them for proof from the collection companies who bought the debts. Both of them replied the date of last payment was different month. I again stated to Equifax to provide a payment history from date of default showing last payment. Both collections companies have not done this and frankly can not supply this information as requested,. 
If these collection com [ anise can substantiate their position fine, but nether one has the resources of information to back up their claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and Equifax on XX/XX/2018 about some unauthorized inquiries on my credit report that I didn't authorize and asked both credit bureaus to be remove the Inquiries. XXXX refuse to help or remove anything. XXXX told me to contact the creditors and to file a police report and fax a deletion letter from the creditors. I contacted the creditors. I also informed them that the Inquiries were unauthorized and I didn't give any one permission to pull my credit. Equifax let me dispute the unauthorized inquiries and waiting on the results. I a fraud alert on my credit report with Equifax and XXXX. XXXX refuse to put a Fraud alert on my credit report. I've file a police report and faxed the info in to XXXX as well but the credit bureau refuse to help me with unauthorize inquiries. The Inquiries are making my credit reports seem like I'm begging for credit when I'm not. The Inquiries are damaging my credit report.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX  customer service representative.
Product: Debt collection

I keep getting harassed by Ally Financial saying that I owe money for a XXXX XXXXXXXX. Then after I talk to them they call my other and ask for one of my sons. I have asked them to stop and they just keep calling
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting

I have contacted Transunion on several occasions asking for them to validate that XXXX debts are LEGALLY entered on my credit report. I have personally contacted these XXXX companies and asked them to present me with a contract that states that I owe them money or that I am legally obligated to pay them. Per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) this company must be able to present a contract between themselves and me in order for them to report on my credit. They have been able to produce no such agreement. They are illegally listing entries on my credit reports. Transunion is complicit in allowing this. Each time I ask Transunion to validate these debts they simply come back as " verified ''. I am not sure how this is as I have contacted these companies personally on multiple occasions asking for proof that I have an agreement to pay them and they have not been able to offer it. What is the method being used to " verify ''? 

These companies are : 1 ) XXXX XXXX - provided a contract from a third party that I could not verify, however there is no agreement between myself and XXXX XXXX. I do not owe them any monies. 
2 ) XXXX XXXX 3 ) XXXX XXXX Bank It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violations of the FCRA and defamation of character. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2020 XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00}
Product: Vehicle loan or lease

declared bankruptzy XX/XX/2019 cace XXXX united states bankruptzy court district of montana. this loan with gm financial was discharged, their is a XXXX balance on the loan, and i am requesting a loan release
Product: Student loan

Ed Financial is currently servicing my student loan. I've made timely payments for over 10 years and my balance is still increasing. I do not understand why every payment I've made for 10+ years has applied only to interest. I asked Ed Financial for an explanation via a qualified written request and they sent me a payment history. In no way does that explain the lack of posting any payment to principal. When I asked for a verbal explanation, the representative informed me it was completely based on my payment practices. Every payment on my loan has been made timely. I do not understand how paying from the 1-7th of each month can affect my principal allocation. I am never going to pay this loan off if Ed Financial continues to raise my principal balance. I've paid almost XXXX towards these loans in the last 10 years with no crediting to principal.
Product: Debt collection

i gave a vehicle away signed a bill of sale and turned in a release of liability to the XXXX XXXX plus years after i have a report on my trw that i have a XXXX dollar debt for the vehicle after it was impounded.i contacted the reporting persons and was told that because the other party had not followed through i was responsible even though the calif XXXX couldnt find a record of me owning the vehicle.i tried working with this company providing all the info i could for them even though the dmv wasnt able to find my name attached to this vehicle and refused to investagate anything
Product: Checking or savings account

This is a continuation of complaint # XXXX. 

We agreed to settle this complaint for {$3500.00}. Our attorney has been trying to reach The Fifth Third attorney since XX/XX/2019 and still has not heard anything. 

It is bad enough that 5/3 let my XXXX year old mother walk out of their bank with {$54000.00} cash, now they won't even give us the money they said they would give us. 

Again, she came into the bank five times taking anywhere between {$4000.00} and {$21000.00} in CASH each time. They knew something was wrong but did they put a flag on her account - NO. Did they call me the co-owner on the account - NO. 

Financial institutions need to take some responsibility for the negligence they showed in protecting my mother 's money. We need to put more regulations in place.
Product: Student loan

I am writing to express my concern with Nelnet 's handling of my student loan payments on two separate occasions. Despite submitting payments, I have observed a significant issue in the application of these funds to my loan account. This issue, unfortunately, has been seen by many borrowers as reflected in online discourse. 

On XX/XX/XXXX I requested for a payment of {$420.00} to be sent to Nelnet on my behalf from the XXXX portal. The payment was accepted by Nelnet on XX/XX/XXXX but not reflected in my account at all. I called in fall of XXXX about this matter and was told the XX/XX/XXXX payment was actually my XX/XX/XXXX payment, which is not the case per my records. I felt they were trying to rush my off of the line. On XX/XX/XXXX I requested a payment of {$3600.00} to be sent to Nelnet on my behalf from the XXXX portal. The payment was accepted on XX/XX/XXXX and has not been applied to my account. This is a total of {$4000.00} dollars that has been sent and accepted by Nelnet but not reflected in my account as my account accrues interest daily making this an expensive and damaging error. I called on XX/XX/XXXX to inquire about these two payments and was told to wait longer for the XXXX payment but that they would try to find out where the XX/XX/XXXX payment was. I have not heard back from the company yet, but it appears the {$420.00} has been credited to the account, there is still no indication of my {$3600.00} payment reflected in my account. 

This has not only caused unnecessary stress and confusion but has also led to concerns about the accurate reflection of my outstanding balance. I believe that prompt and accurate payment processing is crucial for maintaining a transparent and fair financial relationship. I kindly request an immediate investigation into these issues and a resolution that ensures the timely and accurate application of my payments to avoid any further disruptions in the future.
Product: Credit card or prepaid card

My XXXX XXXX was rejected on XX/XX/XXXX. I tried to log onto my account but access was denied. I called a phone number that was provided and they indicated that the account was locked for suspicious activity but could not tell me any details. The asked for the last four of my SS, my home phone number, my cell phone, my wife 's cell phone, my email, my wife 's email. After getting all of this additional information, which I did not want to provide, they said it was not adequate for them to authenticate who I was. They said they would send documents in the mail that I would have to complete. I called back on XX/XX/XXXX to tell them that I never received the documents and they told me to give it a few more days. I called back today XX/XX/XXXX and they said that they did not send out any documents and that I would have to send them a copy of my utility bill and a copy of a picture ID. I told them I am not comfortable providing this information and they told me there was nothing they could do without this information. 

I am concerned that the personal information that I have already provided will not be adequately safeguarded. 

I talked to someone in customer service who said they would mail me a detail account of what is due so that I could pay it. I am concerned that this will not actually be mailed given my experience so far. I do not want to be in the position of having to pay the balance due on XX/XX/XXXX without seeing details for that balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Cares Act and the Heroes Act, XXXX XXXX XXXX ( Account # XXXX ) has violated my rights, XXXX XXXX XXXX  reported 3 late payments on my Consumer Report ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The reporting of the late payments are damaging and hurting me from purchasing a home for my family. 

Due to the current in place COVID-19 National Emergency, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Cares/Heroes Act, requires creditors to report any account that had a payment accommodation applied to it during the Covered Period as " current '' to the consumer reporting agencies. At the time, I was on an accommodation hardship program with XXXX  XXXX XXXX  starting XXXX of XXXX until XX/XX/XXXX. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX through 120 days from the date the COVID-19 National Emergency is declared over. The National Emergency has not been declared over as of this date.