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

This is my 15th endeavor to tell you 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU HAVE THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER REPORT. 

XXXX. ) XXXX 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 Pursuant to the FCRA & the FDCPA I respectfully request for full accounting to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately, I WILL FILE FOR LITIGATION.
Product: Checking or savings account

I had a us bank account a few years ago. I am XXXX and need to locate any statements between XXXX XXXX XXXX. I tried calling in but it wasnt much help. I had a few accounts. One personal and one was under my business name, XXXX XXXX XXXX 

I need these statements to help support some medical expenses at the time. Thanks.
Product: Student loan

My loans are currently under forbearance due to the SAVE litigation. On XX/XX/year>, I submitted an application to switch my loans into an IBR plan in an effort to move my loans toward being able to count toward PSLF again. Per the FSAs guidance on https : //studentaid.gov/announcements-events/save-court-actions, my loans should be placed into a processing forbearance for at least 60 days while my application is processed. However, MOHELA has incorrectly informed me and other borrowers that they are forbidden by the FSA from processing IBR applications for persons currently under a general forbearance due to the SAVE litigation, and are further prohibited by the FSA from placing such applicants into a processing forbearance ( I have personally talked to 3 separate customer service agents within the past 10 days, one of whom was an advanced agent, who stated this ). In addition to the guidance on the FSA website that is in direct contradiction of this claim, the IBR plan was not included in the SAVE litigation and, therefore, is an eligible plan to move to.
Product: Student loan

I filed my XXXX plan since XXXX and my IDR application has been pending with Nelnet all this time. I kept receiving emails that 'Your application is in line for processing and we apologize for the delay! ' After my IDR application not being processed after 5 months, i called on XXXX and was told by the NELNET rep that I needed to submit my husband 's W-2 form and a self declaration letter that I have no income. I did this the very same day! Now today, XXXX, Nelnet has CLOSED my IDR application and LIED and said i did not send to them the requested informatoon in time. Nelnet is an outright flatout LIE!! They were the ones who had my application sitting in the que for 5 months, NOT ME!
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Product: Debt collection

Quickclick loans in XXXX, Ga is reporting a negative account on my XXXX credit report that I have no knowledge of. I have sent in a notarized affidavit and a detailed police report stating that I have no knowledge of this account. I spoke with XXXX and XXXX in the fraud department and they informed me that they will not remove this negative item off the credit report unless a conviction was made of the person I believe who was using my identity. XXXX informed me if I followed through with trying to get the item removed they would investigate me and I would be charged with a felony. XXXX informed me that her and XXXX looked things over and they will not have the item removed. I have been trying to get this resolved for over 6 months now. They both were extremly rude to me.
Product: Mortgage

Did a refinance with XXXXXXXX XXXX XXXX XXXX held the mortgage on the property but the refinance loan never got paid off which made customer go into foreclosure. Customer had to pay out of pocket {$10000.00} to pull house out of foreclosure. Customer contacted Mr. Cooper Mr. Coopers manager said it would be resolved, was never resolved due to the foreclosure. Customers credit has been damaged and customer had to pay XXXX fees as well as pay an additional {$10000.00} to get property out a foreclosuref When if the refinance wouldve been paid off customer wouldve never had to pay anything. Customer contacted Mr. Cooper  to inform him what was going on Mr. Cooper  contact the title company went rounds for almost a year and problem never got resolved talked to multiple managers managers told customer it would be resolved and it never got resolved. Were just companies and Title Company is putting the problem on customer when customer did everything that she needed to do to resolve the issue so customer feels that one of the company should take responsibility of the problem customer we shouldnt have to pay {$10000.00} additional to have her refinance close the year later after closing day while paying the mortgage with
Product: Debt collection

Calling everyday concerning the debt. Dates XXXX. The amount owe is XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to notify me of the reinvestigation of my dispute of an account by the name of Citibank. I never received any written notice of reinvestigation. That is another violation as stated in 15 u.s code 1681i ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency
Product: Credit reporting or other personal consumer reports

While I was in college, there was a data breach at our admissions office. I was later informed that I have had my personal data used. I was informed to start pulling my credit report for issues. I waited for a while and noticed XXXX accounts I did not apply for. I filed a incident report and submitted it to the credit bureaus and lenders. But still have not helped me resolve the issue. I need help to remove these items. Please see the following : XXXX XXXX XXXX balance : {$00.00} opened : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX balance : {$110.00} oened : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( {$400.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX ( {$540.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX XXXX {$530.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX Years of late Payments after account was closed- this is a violation delete this account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Years of late Payments after account was closed- this is a violation delete this account XXXX XXXX XXXX all 3 credit company show inaccurate payment status please remove you cant report different information for the same account XXXX XXXX XXXX all 3 credit report showe different balance and payment status please remove and was never late you cant report different information for the same account XXXX XXXX XXXX XXXX was paid on time please remove this account XXXX XXXX XXXX please remove this account all 3 report show inaccuracy please remove this account it is illegal to report same account with different payment status
Product: Credit reporting or other personal consumer reports

On Wed, XXXXXXXX XXXX, I received my credit report from experian and I wanted to update the file but couldnt get pass their protected bots and was continually hung up on not being able to update my records! My thing is what is the point of having companies report Fake News for the corporations to pump fake like their using a credit score to BORROW our credit that we the people extend. 2nd Most of the companies that they have reporting on my account are Banks and they are the Borrower per 12 USC 1431.

The whole system is Fraud and Deprivation of Rights Under color Law is the Conspiracy of Fraud that I am alleging.
Product: Credit card or prepaid card

Capital one closed my account without reaching out to me or contacting me because as stated by their supervisor on my call my " auto pay stopped going through. '' I owed {$25.00} when this happened and had {$400.00} in cash back rewards built up. Without contacting me at all capital one took it upon themselves to close my account and also report the debt to my credit report. My credit score has taken a substantial hit from this. My business and way of making a living is now seriously threatened because my business depends on me having great credit and being able to borrow money.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX - Date opened XX/XX/XXXX - BALANCE {$480.00} XXXXXXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - BALANCE {$160.00} XXXXXXXX XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - BALANCE {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$390.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$500.00}
Product: Vehicle loan or lease

I have called every month for assistance since XX/XX/XXXX. I lost hours and other financial incomes during COVID19. I asked for assistance multiple times. Every month the denied assistance and Repossessed my vehicle XX/XX/XXXX.
Product: Debt collection

I have as ked Stevens Business Service multip le times to stop calling and they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX as I noticed a few inquiries on my report I didnt inquire about they did not want to help nor resolve the problem. The person was very rude. Needs to be resolved and then reprimanded.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported. Account Name : XXXX XXXX Account number : XXXX You have this account balance as {$1400.00} but the current account balance is {$3.00} We are at the end of XXXX and on the XXXX of XXXX you undated my credit report showing am owing {$1400.00} which is not correct,. you had a correct report and then updated it to false report. 
Also I earlier filed a complain about you assigning XXXX incorrect addresses to me which i have never lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

I, XXXX XXXX has made several attempts to resolve the issue by priority mail and certified mail. Please see attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted several disputes regarding the account XXXX XXXX XXXX, account number XXXX, with XXXX XXXX XXXX XXXX & EQUIFAX XXXX Ive submitted in detail how those late payments violate my rights as a consumer, according the FCRA. Yet, each time a dispute is opened, directly with the credit agencies, it takes them less than 3 days to do an investigation. NOT only that, but the information being reported isnt accurate. They have late payments reported different for each CRA. Attached below. I would like written documentation, PROOF, on how these investigations took place, and were reported updated. These late payments need to be reversed immediately. If no WRITTEN PROOF, on how the investigation took place, and each CRA verified that information, within the next 30 days, these payments need to be reversed. They violate 15 U.S. Code 6802 section ( b ) OPT OUT 15 U.S. Code 1681 ( d ) Consumer Report 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

The following company refused to provide me information pertaining to a debt in which I paid off. Upon completion of payoff, they refused to send me a " Paid In Full '' letter by mail and did not provide me any information or notification about their practices as to how I could request a copy of the debt or billing statement showing it was at a XXXX balance. When I attempted to call the agents and managers they played games, told me I had to send a request by email only and upon doing do said they responded stating they wouldn't send me the information to the email I submitted the request from. When I called to complain about the process the reps taunted me over the phone, used inappropriate responses and pretended they were going to hang up on me. It was extremely inappropriate and unprofessional.
Product: Debt collection

Synter Resource Group, LLC keeps calling XXXX XXXX XXXX XXXXXXXX XXXX XXXX to collect a freight bill that belongs to one of the mall merchants. We have explained to them numerous times on the phone and via email that they have the right property wrong address. The Management Office does not accept deliveries for any merchants and is not responsible for this bill. The bill belongs to XXXX XXXX  which had a seasonal store in the mall during the holidays. We have provided Synter the contact information of XXXX XXXX in order to pirsue collection of this debt and asked they cease and desist contacting this Mall Office regarding this debt- which they have ignored and is the reason we are now filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX I have been trying to submit a dispute for a number of days since my credit score was dropped XXXX points on XX/XX/XXXX FOR PAYING OFF A CONSUMER LOAN IN FULL AND ALMOST {$4000.00} IN CREDIT CARDS WHICH IS INEXCUSABLE CONSIDERING THE 5 PLUS POINTS ON THE PREVIOUS DAT FOR A {$470.00}, PAYDOWN OF ONE OF THE REMAING CARDS IN THE {$4000.00} paid en total.. FROM XX/XX/XXXX on the system will not recognize a valid log in and immediately blocks me for XXXX hours when I have attempted to LOG IN THE FIRST TIME.This pattern has occurred on every attempt : XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. XXXX.It represents a willfull and intentional action to block my right of dispute under the FAIR CREDIT REPORTING ACT HERE IS THE SECOND VIOLATION OF MY RIGHTS- I have tried the telephone dispute and have encountered the same blockage. I go through XXXX minutes of useless recorded banter attempting to divert me back to the web site that is blocking me-And finally hear that I can not be helped at this time. I have called 2-3 times a business day during the listed hours. SO-I CAN NOT EVEN DISPUTE OR GET ANY ANSWER AS TO WHY THESE HYPOCRITES VIOLATE THE VERY BASIS FOR THIER POMPOUS CLAIMS ABOUT HOW PAYING ON TIME : AND LOWERING DEBT RATIOS IMPROVE A PERSONS CREDIT SCORE. THE REASONS THEY GAVE AFTER ALL THOSE PAYDOWNS AND PAYOFF WERE : TOO MUCH REVOLVING DEBT : AND PERSONAL LOANS ( S ) I ONLY HAVE ONE PERSONAL LOAN ETC
Product: Payday loan, title loan, or personal loan

Military service member. Have a flex loan from advance financial, have had for more than a year. Paying a 279.5 % interest rate. Looking for relief under the MLA guideline for military lending which states a maximum of 36 %.
Product: Credit reporting or other personal consumer reports

I was approved for a loan modification and on their trial payment period for 3 months but on my credit report, it's showing I've been delinquent for 120 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Advanced Collection Bureau, specficially its representative XXXX XXXX at XXXX, is attempting to collect a debt which they claim I owe. The alleged creditor is XXXX XXXX XXXX 

First : Rather than contacting me directly, Mr. XXXX contacted my former employer ( XXXX XXXX XXXX ) and my " in case of emergency contact '', XXXX XXXX. He has left numerous messages on their voice mails about me. 

Ms. XXXX told me about this on XX/XX/XXXX and I immediately called Mr. XXXX. When asked why he's calling other people, he laughed. Then he went into a tirade telling me I'm obligated to pay. I hung up on him. 

On XX/XX/XXXX, he phoned the XXXX  residence. At no time after that XX/XX/XXXX call has he phoned me on my cell. I've tried calling him and there is no answer. 
Apparently, he works by attempting to embarass/humiliate people. I will not tolerate this and have no hesitancy in filing a complaint in Federal Court re these tactics. 

Second : I've never received a debt validation letter from Advanced Collection Bureau.
Product: Mortgage

I recieved a letter XX/XX/XXXX from LoanCare stating they have fixed my problem after I sent in all the correct documentation to you and to them SEVERAL times to them and now when I call to make my payment ... I am not able to do so on their website, no one answers the phone and unless you chose to take a survey the call is dropped. I have been trying to reach them to make my latest payment for this month since XX/XX/XXXX. I have not heard anything back and I tried, phone email and their portal. I got through to someone this morning and made a payment and was told that I am still missing several payments which is NOT TRUE as per my bankstatements and what was worked out hence the XX/XX/XXXX letter. this company is HORRIBLE!!!! I NEED HELP AND I AM GETTING NONE AND THEY ARE TRYING TO TAKE MONEY I DONT HAVE AND I DONT OWE.
Product: Credit reporting

As of Tuesday, XXXX XXXX, 2017, EQUIFAX is still knowingly and illegally reporting a debt of {$430.00} to XXXX for XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate he Consumer Financial Protection Act CFPA ). Specifically, Cash App failed to take imely and effective measures to prevent and iddress 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised! It has been brought to my attention that you are not REMOVING items even when theyre sent with an FTC report # XXXX. Again, Im sending over FTC Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an erroneous credit report entry, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please note that you have 4 business days to remove the reporting of any inquiries in my credit file that resulted from an erroneous credit report entry. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.