23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I, XXXX XXXX made a complaint about Freedom Debt Relief misleading ( CFPB complaint ID # XXXX ) on XX/XX/XXXX. After that complaint, FDR contacted me to solve issue. FDR stopped drafting out my money and tried paying off to creditors. Then set up my graduation date on XX/XX/XXXX. FDR drafted bi weekly as program deposit since XX/XX/XXXX to XX/XX/XXXX is {$22000.00}. I enrolled in 9 debts amount is {$21000.00}. XXXX over withdrawal amount is {$1000.00}. FDR refunded to me only {$940.00} on XX/XX/XXXX. FDR promised and showed in my client dashboard that XXXX XXXX to date amount is {$4500.00}. FDR paid to all creditors amount is {$16000.00}. 
{$22000.00} - {$940.00} = {$21000.00} {$21000.00} - {$16000.00} = $ XXXX I pay {$21000.00} ( over {$110.00} ) for my total debt {$21000.00} and my question is what's my benefit to enroll in the Freedom Debt Relief program? Where's {$4700.00}? FDR made misleading and lack of negotiation to more interest of debt that I enrolled. 
1 ) If I didn't make first complaint to CFPB, FDR will continue stealing my money and pushing me down to the XXXX. FDR do negotiation for their profit only, not for clients. FDR extend the program period to get more gain. 
2 ) I made payoff amount by borrowing in XX/XX/XXXX to end program to control my financial situation. But FDR didn't stop and I couldn't control my interest payments behind the program. FDR ripped me off, broke family life, mentally, financially, physically and FDR did discrimination to me also. Now my entire life is totally mess up. I had phoned and messaged with FDR many times and begging and request but FDR didn't please to me. FDR has all recorded conversation with me.

3 ) I do truly statement that Freedom Debt ReliefXX/XX/XXXXand I'm a XXXX person. FDR takes clients ' hardship pure white money, tears, blood andXX/XX/XXXX to the clients. 
4 ) I humbly request to CFPB that please publish my statement complaint to the public, everyone to avoid Freedom Debt Relief 's trap and GIVE PUNISHMENT TO FREEDOM DEBT RELIEF. 
Appreciated and sincerely, XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

I filed a dispute back on XX/XX/XXXX and in their paperwork it says in 10 days they'll provide a provisional credit while they're doing their investigation or they'll contact me I've had to call them several times I've explained to them that the reason my questionnaire on the transactions was a few days late was because I was involved in a natural disaster which was a fire here in California and my paperwork was at home and I was evacuated from my house and I was not able to send the paper on time and apparently that doesn't matter it's been XXXX  days since I filed the complaint I haven't heard anything from them every time I call they give me some XXXX  excuses
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing the complaint against XXXX, EXPERIAN and XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. I have not had XXXX response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

There are inquiries that I never authorized reporting on my consumer report. I tried resolving this with the credit reporting agencies, but I have yet to receive the validation I have requested. This is a direct violation of my consumer rights because the inquiries are still reporting on my consumer report.
Product: Debt collection

JH Portfolio Debt Equities has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX and Experian Dear XXXX, I am writing to request that you remove the following information from my credit report due to lack of proof of debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested proof of debt from the creditor and have not received it within the required five days. According to the Fair Credit Reporting Act ( FCRA ), if a creditor does not provide sufficient proof of debt within five days of your request, they are not allowed to continue pursuing you for the debt. That includes listing the debt on your credit report. Therefore, I am requesting that this information be removed from my credit report immediately. 
If this information is not removed from my credit report within 30 days of receipt of this letter, I will be forced to take legal action against you for violating my rights under the FCRA. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

I was a victim of the inquiry issue with Transunion 's credit bureau. I have contacted Transunion and they refuse to remove inquiries after calling their customer service representative. Transunion 's customer service would not remove the negative inquiries reporting on my credit report that should be deleted from my credit report. 
These inquiries include the following : XXXX via XXXX : XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX XXXX via 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

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

15 US C 1681 Section 602 states, I have a right to privacy.

15 US 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 a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account XXXX : XXXX
Product: Debt collection

Got a car with an ex and it didnt work out. Car was repossessed and payments were made until becoming left unpaid.
Product: Credit reporting

I attempted to obtain a credit report from annualcreditreport.com, months ago. Equifax would not mail the request due to some form of problem. I received a response from Equifax dated XX/XX/XXXX. requesting additional identifying documents. I mailed them a copy of a XXXX with my SSN and a copy of a utility bill along with a copy of their request letter. I then received notification dated XX/XX/XXXX. that I must provide additional identifying documents, like the ones I already mailed. Equifax has been provided with the best identifying information I have available and I have not been able to obtain a credit report from them, as required by law. 
I once again attempted to obtain a report from Equifax through annualcreditreport.com today. Once again I am unable to receive any report.
Product: Debt collection

My name is XXXX XXXX, a federal protected consumer me, and I am making this complaint against Gulf Coast XXXX  or committing identity theft. I have never given Gulf Coast XXXX  any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC sub section 1692e ( 12 ).

I have not validated any alleged debt with Gulf Coast XXXX  and my failure to dispute the validity of these alleged debts shall not be construed as a admission of liability. As ofXXXX, I have not received documentary evidence, such as a trilateral contract, giving XXXX XXXX Bank any right to collect on this alleged debt.

I have never received any documentation requesting validation from Gulf Coast XXXX, before they
committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ), which the FTC defines as debt parking. If Gulf Coast XXXX  can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, Prior to furnishing on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until the company can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Gulf Coast XXXX  continue its collection efforts, I will file for litigation for actual damages caused and Gulf Coast XXXX  will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required. Pursuant to rule 1002 original application bearing my signature on it also requesting your Errors and Omissions insurance number be provided to me the consumer.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason at all when I am using it for my business and i make transactions through goods and services. It must be a mistake as i confirmed i am over XXXX as they asked sent the tracking info and invoice and they still closed it without reason. I feel they are not actually checking the info at all as this has happened with many people before. The email linked to my PayPal is XXXX, Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings. 

I sent a disputes letters to the credit bureaus sunch as XXXX, XXXX and Transunion, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Product: Checking or savings account

My card was stolen and multiple transactions were made. I contacted The Branch bank and trust they denied my dispute and i called the merchants some of them sent me signed receipts and some didnt not and advised me to file a chargeback with bank. I have police report and my bank still denied my claims.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a loan from Easy pay finance of XXXX to pay for car repair. I was told that I had 90 days to pay with a XXXX Fee. I never received statements or notifications that my 90 days was and if I didn't pay the balance they would charge me interest from the day of the loan at 199 percent. I had paid them XXXX of the XXXX I checked my credit score to find out that it has gone down because they had charged me another XXXX and my new balance was still the same despite me paying XXXX every 2 weeks for months. That's very deceptive. I was unaware that this would happen or given notification of the date this would take place. Now they have reported to the credit bureau that I am 30 days late. I have tried to settle the account for what I rightfully owe. Because of the deceptive and predatory lending practices they will not budge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous inquiries on my Equifax Consumer report dated XX/XX/XXXX and XX/XX/XXXX from multiple car finance companies. I have contacted Equifax numerous times and informed them that I did not authorize these inquiries. My last point of contact was today XX/XX/XXXX. I spoke to 3 different representatives on different phone calls. I was told to call the car dealership that ran the inquiries. I tried to contact that company which is XXXX XXXX XXXX in XXXX NC but it no longer exists. However I was able to speak to a nice lady that works in the credit department for that company as well as the sister companies which are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. The representative looked into all of their systems and said that she could not find any information on me in order to have the inquiries deleted. She advised me to call Equifax back or to send them a letter disputing the unauthorized inquiries. I called Equifax AGAIN, was unsuccessful. I was told that they could not delete the inquiries and that the car dealerships would need to send a request to delete to Equifax. I 'm stuck in between a rock in a hard place because it seems that I 'm being ran in circles. The confirmation number given to me by Equifax is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XX/XX/2022 in regards to two charge off accounts with a cease and desist letter and have not heard back from XXXX about these two accounts. The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any media. Pursuant to my rights as per 15 USC 1692c ( C ). I am here by providing you formal notice to cease any further communication regarding this account immediately.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, I applied online for a line of credit. pgrade, Inc. immediately denied an extension of my credit. This is XXXX violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.
Product: Credit reporting or other personal consumer reports

I CANT'T SEE MY CREDIT REPORT ONLINE EXPERIAN BLOCK MY ACCOUNT ON PURPOSE THATS A VIOLATION ON MY CONSUMER LAW RIGHTS ON THE UNFAIR ACT AND NO ACCURATE CREDIT REPORT I GOT GOT PROOF OF TWO CREDIT REPORT ON XXXX & XXXX AND I TOOK A SCREEN SHOT OF THE EXPERIAN CREDIT REPORT WAS BLOCK
Product: Student loan

I was sent and received documentation that my loans were completely forgiven XX/XX/XXXX from Mohela. The last time they reported to the credit bureaus was XX/XX/XXXX. I've called multiple times : I called XX/XX/XXXX on hold/call 1 hr 22 min ( XXXX ) XX/XX/XXXX was on hold/on call for 4 hr 1 min XX/XX/XXXX was on hold/on call for 2 hr 3 min XXXX 43 minutes ... ect .... 

on XX/XX/XXXX I was on hold for the regular account specialist for about 45 minutes. She didn't know why it hadn't been reported. She said it should've been. She put me on hold for the credit office. I was on hold for over an hour. Unfortunately I had to hang up. I wasn't expecting to be on hold for 2+ hours. 

on XX/XX/XXXX I was on hold for a regular account specialist for over an hour. ( same thing she didn't know why it hadn't been reported. She said it should've been ) She then placed me on hold again for the credit office 2+ hours. ( almost 3 ) They said the issue had been fixed and I'll see it at the end of the month. I asked if it isn't what will I need to do? She said call back. I asked if there was a direct number? She said no, that I would have to go through the hole. 

XXXX I was on hold for the regular account specialist for about 45 minutes. She again didn't know why it hadn't been reported. She said it should've been. She put me on hold for the credit office. I was on hold for about 30 minutes. XXXX stated that it had been reported to the credit bureau on XXXX as paid in full with {$0.00} balance. 

XX/XX/XXXX It still isnt there.
Product: Credit reporting or other personal consumer reports

This consumer sent a certified mailing to XXXX XXXX XXXX, ( reference XXXX XXXX  XXXX XXXX ) an Affidavit of Notice to Dispute and Demand for validation and proof of claim. There are several violations that they have comitted against me and I never had a contract with them.

Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. ( Please see attachment ) for dispute of this unvalidated debt. These third party companies continue to make false claims against consumers who have never contracted with them. I DO NOT OWE THIS DEBT. I HAVE NEVER SIGNED ANY CONTRACT or HAVE NEVER VERBALLY ACKNOWLEDGED OR CONSENTED into any kind of agreement. They are causing me harm and I would like this to be rectified immediately In the XXXXXXXX XXXX XXXX 

MAXIMS OF LAW 1. TRUTH IS EXPRESSED IN THE FORM OF AN AFFIDAVIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. AN UNREBUTTED AFFIDAVIT STANDS AS TRUTH IN COMMERCE XXXX XXXX XXXX XXXX XXXX XXXX If claims made in your affidavit, if not rebutted, emerge as the truth of the matter. Legal Maxim : He who does not deny, admits.

3. AN UNREBUTTED AFFIDAVIT BECOMES THE JUDGMENT IN COMMERCE XXXX There is nothing left to resolve.
Product: Checking or savings account

I deposited a personal check from a family member on XX/XX/2020 and the finds are now on hold until XX/XX/2020 at the earliest in my Bank of America account. I reached out to Bank of America and they have not responded beyond the notification on the account. I believe it is unreasonable for Bank of America to hold my legal funds hostage for any amount of time, considering that the ACH process happens within 24 hours and funds clear in 48 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed for over 10 years but stills shows on my credit report as active.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell the XXXX credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I RECEIVED A CALL FROM RCB IN XXXX, MN ( XXXX ) XXXX DEBT COLLECTOR FAILED TO IDENTIFY THEMSELVES AND MADE FALSE CLAIMS THEY HAVE COPIES OF MY INFORMATION FROM DIRVERS LICENSES, TO CONTRACTS WITH MY SIGNATURES ETC. THE DEBT COLLECTOR HAS FAILED TO PROVIDE ALL OF THESE DOCUMENTS AND MADE FALSE STATEMENTS OF LEGAL ACTION AND OTHER THINGS. 

THIS COLLECTOR REFUSES TO PROVIDE ANY VALIDATION OF THE DEBT AND REFUSED TO MAKE CONTACT WITH ME TILL 45 DAYS AFTER THE FALSE DEBT WAS PLACED IN THEIR OFFICE AND SAID I HAD TIME TO CALL THEM AND THEY DIDNT HAVE TO PROVIDE ME WITH ANY INFORMATION ON THE ACCOUNT OF VALIDATE ANYTHING AND I HAVE NO RIGHTS TO DISPUTE THE DEBT AT ALL. 

THIS DEBT COLLECTOR IS VIOLATING MULTIPLE DEBT COLLECTION LAWS AND PRACTICES GOVERNED BY THE FEDERAL LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXXXX/XX/2023.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX