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

To whom it may concern, I am writing to request information about the account XXXX XXXX XXXX  on my credit reports EQUIFAX as well as XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.
Product: Debt collection

Also improper contact and sharing of my information to an unauthorized person not on my account. False statement of what they are calling in reference to. I receive harassing phone calls constantly from Mariner Finance. Now there is a lady from the headquarter office name XXXX who 's calling me harrasing me about a payment i was told to make that i made to keep them from coming to seize my car. Two weeks later i get a threatening call yhat they are going to make decesion on XXXX/XXXX/2016 of what they are going to do saying that i did not make a payment that i did make two weeks ago. XXXX # is XXXX the local office # is XXXX where i also receive threatening and harassing calls from.When XXXX called on XXXX/XXXX/2016 my friend who had my phone answers and told her i was not available and she would take a message ... XXXX went n about the reason of her call and about a payment i made and so and on which should not have been discussed with this party regarding my account my friend told XXXX she has nothing to do with that she just can take a # XXXX went on still discussing the reason she was calling which was none of my riends business she also made the comment that it not that person she can relay the message of what she is calling about in such words. When i did try to call her she was yelling at me in the phone because i told her she was a liar. Therefore i hung up in her face being that im not a child and she will not yell at me. The people at the local branch have even went as far as calling me from a *private call* in reference to this matter.
Product: Mortgage

Spoke with Chase Escalations they denied modification because they used the wrong amount for my Social Security income. They used amount of XXXX instead of the correct amount which is {$840.00}. Balance on the mortgage is {$20000.00}. 
request mortgage be redone over XXXX years. I XXXX XXXX XXXX XXXX don't want to lose my home. Please help Chase is not wanting to help me with my mortgage. 
They have been very unwilling to assist.
Product: Vehicle loan or lease

I have an auto loan with Exeter Finance. My payment is up to date, however, there is a woman who calls multiple times a day for myself and my cosigner. She will not tell us her name, only that she is with Exeter. I called today and asked to speak with a supervisor but was denied, and the rep XXXX said he would notate the issues in my account. He also noted that he saw a full payment made on XX/XX/year>, and my next payment was not due until today XXXX. So it is not yet late, and I received numerous calls about this payment. My co signer has also received numerous calls. The lady even mentioned that there is a daily late fee of {$10.00} and some change which is not the case and is not listed in my paperwork for the loan. I requested that we have this lady ( since XXXX could see who has called but also would not give me her name ) blocked from calling our account again, and I was told that any of their reps can call me at any time and there is no limit on how many times they can call. This is bordering on harassment at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Too many HARD INQUIRIES is unnecessary and unauthorized. they Have a negative effect on my credit score. All my current creditors rate me better than agreed. But excessive inquiries by past credit companies and insurance companies are killing my credit score. I  have no power over them to require removal of these.I need your help!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the results of your recent investigation concerning my credit report. I believe that the findings do not accurately represent my financial history, and I am requesting proof of your investigation/immediate removal of these fraudulent accounts from my credit profile. Ive provided the necessary documentation.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/2024 I transferred money from my personal account with Bank of America into my auto loan with Bank of America in the amount of {$2000.00}. My account balance was {$11000.00}. The payment rejected on the following day, XX/XX/2024. I proceeded to try and make the transfer again on XX/XX/2024 in the amount of {$2000.00}. My account balance has not changed from the amount stated above. Again the payment was rejected. This caused me to contact Bank of America due to the fact that my payment was due on XX/XX/2024. This was my second time trying to contact someone. The lady on the phone told me that my account was in a collection status, which was shocking to me because my payment was due that day. When I told her that my payments were rejecting and I had the funds in my account, she told me to wait a few days. Two to three days to be exact and call back. Because I didnt want to leave anything to chance, I tried to make the payment again on XX/XX/2024. This time the payment was accepted. I didnt think anymore about it. No harm, no foul is what I was thinking. However, that wasnt the case. On XXXX the XXXX, I started receiving alerts on my credit that Bank of America had updated my account to 30 days late. This totally took me by surprise because I had been calling them and making payments that werent being accepted. So again, I called Bank of America on XX/XX/2024 only to be transferred there and four times and being placed on hold for over a hour with no resolution. What they did is against the law. You can not report an account 30 days late when a payment has been made. According to the fair credit reporting act, it is unlawful to report fraudulent information to the credit bureau. I would like this late to be removed from my credit profile immediately.
Product: Debt collection

I used XXXX XXXX for a Lot that I had with my friend in the Florida keys. We paid XXXX XXXX for 3 years and XXXX never installed anything but we never stopped paying. When we got ready to sell the lot we receive a bill of {$110.00} dollars. We placed our concern with XXXX but they did not waive the bill. Bill was paid XX/XX/2018 with confirmation number XXXX and XXXX XXXX was the representative that helped me. This is abusive action and my credit has been suffering because they placed an account in collection for {$110.00} dollars.
Product: Debt collection

Reviewing my credit file, I noticed this collection from Midland Credit Management. Submitted complaint with debt verification request to the XXXX XXXX XXXXXXXX at Midland Credit Management ( MCM ). Never responded. 

XX/XX/year> Account XXXX XXXX whom it XXXX concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed XXXX of bill showing last default date XXXX that the debt is valid and collectible and within the statute of limitations for this state XXXX that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX  XXXX XXXX. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX XXXX-XXXX XXXX ACCOUNT INFORMATION IS INCORRECT. ACCORDING TO MY TRANSUNION CREDIT REPORT THIS ACCOUNT HASNT BEEN UPDATED SINCE XXXX OF XXXX. PLEASE UPDATE THIS ACCOUNT WITH THE CURRENT BALANCE INFORMATION. 

I HAVE ATTACHED A PRINT OUT OF MY TRANSUNION REPORT DATED XX/XX/2021 WHICH CLEARLY SHOWS THE LAST REPORTING DATE WAS XX/XX/2021.
Product: Debt collection

I have paid my debt in full ( XXXX XXXX : XXXX XXXX XXXXXXXX ) and have attached the Satisfaction of Judgment to this email. However, Slovin & Associates is attempting to collect on this debt again - the original principal sum. I request your assistance in stopping this harassment and fraud. This is an official complaint against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), Slovin & Associates Co., and XXXX XXXX XXXX XXXX for violating the XXXX Consumer Sales Practices Act. Furthermore, Slovin & Associates may be in violation of the Federal Fair Debt Collection Practices. 
I am requesting your Office to investigate this matter. Given that the Satisfaction of Judgment 's postmark date was XX/XX/XXXX, and they filed a motion with XXXX XXXX XXXX XXXX XXXX days later, it appears that Slovin & Associates is attempting to collect a debt that has been fully paid. 
Please investigate the actions of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), Slovin & Associates Co., and XXXX XXXX XXXX XXXX for their potentially unethical and predatory practices.
Product: Debt collection

XXXX XXXX has sent a collection agency to retrieve XXXX dollars not owed. I stopped doing business with them XXXX of XXXX  and switched to XXXX. mystatement via email from XXXX  XX/XX/2022 was XXXX yet they claim I owe XXXX dollar all of a sudden. this is hurting my credit score and I don't owe them.
Product: Debt collection

I received unwanted debt collection calls ( robocalls- ( XXXX ) XXXX ) from Citi in the first week of XX/XX/2019. 

Transcript : Hello this is Citibank calling with important account information on your Citi Bank Card but I'm going to read it is by no you open a minute to XXXX read and if this is XXXX XXXX   XXXX press one should you be disconnected at any time during this call we can be reached toll free XXXX if not Frist to please make your selection now I'm sorry I did not understand that response please try again but I'm going to read it is by no you open a minute to XXXX XXXX and if this is XXXX XXXX  XXXX Press one if not Frist to please make your selection now I'm sorry I did not understand that response please try again but I got. 
( https : XXXX ) On XX/XX/2019, I spoke to a Citi credit card customer service agent. He confirmed that Citi sent out automated calls to remind customers ' of payments. 

I have not given Citi permission to call, and I have asked to be removed from your list. TCPA law prohibits telemarketers, banks, debt collectors and other companies from using robocalls to call you on your cell phone. Companies that violate the TCPA can face lawsuits and other penalties. Violations of the TCPA include : Robocalls to cellphones Telemarketers and solicitors can not call your cell phone using automated pre-recorded messages or robocalls. 

I'm sending this letter to stop receiving future robocalls from Citi.
Product: Student loan

I paid {$10000.00} to my student loans ( serviced by Mohela ) and the money was taken out of my account of XX/XX/24. The following day I was made aware that my account transitioned ( I was able to make payments up until this point and was trying to finish paying the loan so I would not have to deal with the new system ). 

After a few days of the payment not posting ( as it had in the past ), I called Mohela and customer service stated that it would take 30 business days to post. My account continued to display over $ XXXX is debt owed and autopay was continuing to take money out of my account. I was told I could stop auto pay and then I would just have a penalty on my account but would not get sent to collections for 90 days. As I did not wish to have my credit affected I continued to keep on autopay with the thought that it would be resolved within the 30 days. 

30 days later, my account continued to display over $ XXXX in loans owed. I called and they told me it would take 60 days to post ( they escalated my situation ) and offered to stop auto pay telling me that they would just send me to collections but it would be cleared once my payment processed. Again I refused as I did not want my credit affected. 

Another 30 days passed, my loans continued to display $ XXXX in debt and I was told 90 business days until it would clear. 

After 90 business days I was told that it should just take a few more days, I spoke with a supervisor ( XXXX XXXX who said she had to reboot my account and it would clear in 10 business days. 

10 business days later I reached back out as my account continued to have a balance. I called the extension for XXXX, was sent to voicemail, and my message was not returned. 

I called the following day and was directed to XXXX ( a resolution supervisor ), XXXX was very helpful and assured me that it would be taken care of in XXXX business days. She gave me her extension to call back if it was not resolved. 

On XX/XX/24 I called and asked to be transferred to XXXX to help me with this issue and Mohela stated it was against policy to transfer to an extension. The representative I talked to was unhelpful giving me the option to either stop auto-debit or put the account in forbearance. 

I have made over 13 calls in the past 5 months to resolve this issue. They continue to take money out of my account ( I have been told that once this issue is resolved it will take another 90 business days to get my overpaid money back ), for a loan that is non-existent. My student loans should be cleared and my account closed at this point but the accounting team refuses to update my account despite it being escalated over 3 times now. 

I have have attached a log of my posted student loan payments and well as the numerous calls that I have made over the past 5 months.
Product: Vehicle loan or lease

XXXX XXXX XXXX purchased XXXX we encountered lots of fees and hidden fees with Wells Fargo.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX are reporting fraudulent accounts on my credit file which are not supposed to be there. I never had any dealings with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON OR ABOUT XX/XX/2023 MY EXPERIAN CREDIT FILE HAS STOPPED UPDATING ANYTIME THERE IS A CHANGE TO MY CREDIT FILE. IT SEEMS TO BE UPDATING ONCE A WEEK AND NOT ALIGNING UP CORRECTLY WITH EXPERIAN CUSTOMER SERVICE. FOR EXAMPLE, ONLINE WEBSITE SAYS I HAVE 3 INQUIRES, BUT IF I USE A 3RD PARTY THAT PULLS EXPERIAN, I HAVE 1 INQUIRY AND I WAS TOLD BY EXPERIAN THAT THERE IS A DATA QUALITY ISSUE AND THEY ARE REFUSING TO FIX IT. EXPERIAN CUSTOMER CARE KEEPS TRANSFERRING FROM FRAUD, TO DISPUTES, TO MEMBERSHIP SERVICES OVER AND OVER AGAIN. THE CUSTOMER SERVICE REPS DO NOT LISTEN TO ANYTHING I TELL THEM, THEY INTERUPT ME AND IGNORE EVERYTHING I SAY JUST TO GET OFF THE PHONE. TOTALLY UNACCEPTABLE. THIS IS THE ERROR MESSAGE I GET : Hmm, we're having trouble showing you today 's report. Something went wrong, but we're working hard to fix it. Check back later. ITS BEEN GOING ON NOW FOR 3 WEEKS. I WANT IT FIXED
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION 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. TRANSUNION Never Sent the periodic statem
ent 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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against XXXX XXXX Student Loan Issues Dear CFPB Representative XXXX I am filing a formal complaint against XXXX XXXX XXXX my student loan servicer, regarding issues with my loan account [ Loan Account Number ]. 

Details of the Complaint I have experienced the following problems with XXXX XXXX : Incorrect loan balance, failure to process income-driven repayment ( IDR ) requests, misapplied payments, unauthorized fees, poor customer service, inaccurate reporting to credit bureaus, delays in Public Service Loan Forgiveness ( PSLF ).

They have failed to retrieve information that was given.

It has caused financial hardship, credit damage, denied loan forgiveness.
Product: Credit reporting or other personal consumer reports

I gave Experian copies of my FTC reports and supplemental police reports for the following accounts that were opened without my knowledge and due to my data being exposed in a data breach. They put the accounts back on my credit report which has caused me financial hardship. 
XXXX XXXX  personal loan {$6500.00} XXXX XXXX  for {$1400.00} Department of education student loans for {$20000.00} I have attempted many times to dispute these fraudulent accounts with Experian for over a year. This has caused me much stress and high interest for everything. Including homelessness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified this company numerous times in regards to this debt through fax and mail, and I have yet to receive a response in regards to the validation of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to. promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Money transfer, virtual currency, or money service

I have been an active user of Cash App for over 5 years and was not informed of and/or notified by this company of any potential threat of my personal and financial information as I should have been with the recent Class Action filing and judgement.

It was recently ruled that " Block employed weak security protocols for Cash App and put its users at risk '' and my personal information has been compromised. 

I have every right to be compensated for potential loss and future losses. 

XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX XXXX regarding the inaccurate reporting of a paid-off account on my credit report. I fully paid off my account with XXXX XXXX XXXX, yet they have failed to update my credit report to reflect the correct status. 

I have made efforts with customer service to have this issue resolved, but I have had no luck. I am requesting that XXXX XXXX XXXX be required to promptly update the account status on my credit report to accurately reflect that it has been paid in full. I also request that the CFPB assist in ensuring compliance with the Fair Credit Reporting Act ( FCRA ) to prevent further harm to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 
XXXX  acct # XXXX 15 U.S.C. section 602 A. States I have the right to privacy.

15 U.S.C. section 604 A. Section 2. It also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other advise item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( i ). A person shall not furnish information relating to any consumer if- the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate.