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

On or about the XX/XX/2022 ; I contacted XXXX and advised them that I was going to pay off the security system which I had purchased from XXXX. XXXX 's method of my paying in order to install the system directly was through using retain credit from XXXX. I applied while the XXXX sales person was at my house per his instruction. The {$4000.00} sale of the system was approved by XXXX. They subsequently sent me a card with the name XXXX retail credit on it and a number. There is no credit card information on the card. That is, with the exception that the funding is secured by the XXXX XXXX XXXX. It goes on to say " for participating locations only. '' There is no expiration date or security code on the card. 

I contacted the vendor XX/XX/2022 and advised them that, I had sent them a check for {$4000.00} via priority mail. I also told XXXX that I'd checked my Equifax credit report and that they miscategorized my credit to the credit bureaus, wherein, they listed they had provided me with a {$4000.00} credit card limit and I had used all of that limit to make a purchase. This dropped my credit score XXXX points, because XXXX told the credit bureau ( Equifax ), that I had a credit card with revolving credit. That statement was and is a lie, because that account was only opened for the purchase and installation of a new home security system. 

When in fact, the installment agreement has me paying {$66.00} approximately per month with no interest every month until the account was paid off. 

XXXX has no intention of following the law. They said as much by saying that no matter what I said, they were going to take 60 to 90 days to complete an investigation. Further, that they view my account as a revolving credit card account no matter what the card says or does not say. Most likely my credit report will not be corrected to show the account is an installment account. It will continue to show as though it is a credit card. 

This is wrong and I totally disagree. I say they are breaking the law and trampling my rights as this is what big business does on a regular basis, because they keep getting away with it breaking the laws in the US.
Product: Debt collection

I sent a dispute on XX/XX/2018 asking FirstSource Advantage LLC to validate debt of {$230.00} I was looking to get full accounting of the alleged debt. I received a print out of an account summary from XXXX XXXX XXXX  and without any of the other information requested from my debt validation letter. Under the Fair Credit Reporting Act I have the right to demand they disclose all the documentation requested from my original letter that was sent on XX/XX/2018. I do not have a contract with FirstSource Advantage LLC. Please send bonding agent for FirstSource Advantage LLC. in case if legal action  becomes necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 alleged fraud or extortion. 



XXXX XXXX XXXX  Date Filed/Reported : XX/XX/2017 Reference # : XXXX ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Product: Debt collection

I am submitting this complaint regarding the ongoing lack of communication from XXXX XXXX, XXXX concerning a debt of {$4100.00}. On multiple occasions, my attorney and I have made extensive efforts to reach XXXX XXXX to discuss a settlement of this debt, yet we have received no response to date. 

To provide context, I was served a summons from Portfolio Recovery Associates, with XXXX XXXX acting as their legal representative, for this debt. After multiple unsuccessful attempts at service, I retained legal representation, and on XX/XX/year>, we successfully quashed the service of process in court. Since then, my attorney and I have attempted to contact XXXX XXXX numerous times via phone calls, emails, and mailed correspondence in order to negotiate a settlement. 

Unfortunately, despite our clear willingness to resolve the matter, XXXX XXXX has not responded to any of our outreach efforts. The only instances in which we have received any form of acknowledgment from Portfolio Recovery Associates or XXXX XXXX have been when I escalated the matter through credit bureaus or by submitting formal complaints. This lack of response has caused significant delays in addressing this matter. 

I am submitting this complaint in the hopes of facilitating direct communication with a representative from XXXX XXXX, XXXX to expedite a settlement process. I respectfully request prompt assistance in this matter. 

Thank you for your attention to this issue.
Product: Mortgage

Ive been in my home 11 years. Never had a struggle paying my mortgage. Then life and COVID happened. So with that. I called my mortgage company ( PENNYMAC ) and asked for a forbearance and they denied it because Im not current. I felt like that was wrong because yes I know its a business, but I felt like they couldve worked with me
Product: Credit reporting or other personal consumer reports

Prohibition on Inclusion of Adverse Information in Consumer Reporting 15 U.S. Code 1681c-3
Product: Debt collection

I am a victim of identity theft. I have been trying to contact XXXX XXXX for a very long time now. Their representatives were being very rude and threatening. I tried to contact them to send them my FTC Identity Theft Affidavit, my police report information, as well as documentation proofing I have been living in XXXX for the last 10 years and not an address in XXXX. They denied me the opportunity and kept giving me the runaround. I don't understand why XXXX XXXX is refusing to acknowledge my Identity Theft problem. and trying to sue me and collect on a debt that is not mine. I am submitting this complaint due to the lack of response, communication, and investigation into my original dispute for a debt that does belong to me. This unfair practices by a debt collection company with no concern for the integrity of a customer.
Product: Debt collection

I receive a letter from Enhanced Recovery Corp. It said that I owed them {$89.00}. I told the representatvive that it was not my debt. They assured me that collection tactics would stop and that this collection would be reoved from my credit bureau. Tney have not complied and have continued to try to collect the debt. They have not removed this from my credit bureau reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against the XXXX credit bureaus for having my bankruptcy on my reports. XXXX, Equifax, and XXXX all have my bankruptcy listed on my report yet the courthouse in which I filed does not report to the credit bureaus. If the courthouse does not report bankruptcies to the credit bureaus, where would the credit bureaus get this information from.
Product: Debt collection

Dates from which the debs run are dates the third party collection agency purchased the debts and NOT the dates the debts became delinquent. when I contacted them they would only say " no comment ''. These erroneous dates are nearly TWO years after the original delinquencies occurred. The original creditors refused to negotiate terms for payment with me. 

The collections agency is Midland Funding LLC on two debts, one from " XXXX ''. and XXXX from " XXXX '' on both XXXX and XXXX.
Product: Debt collection

upon request of docs, i was told i was speaking to an attorneythey also have reported the same information in duplicate as to affect my scores
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations. Cash App failed me as a customer/client of their company.
Product: Credit card or prepaid card

The XXXX Visa Card ( offered through Barclay 's ) for the past 2 yrs has had a 4-3-2-1 rewards category scheme with a cash back option. People have been approved for credit cards, agreeing to these terms and conditions literally up to this morning ( XX/XX/2019 ). For them to unilaterally and forcefully change the entire rewards system ( for many people less than 6M after signing up ) so that 1. the rewards categories change and 2. ( most importantly ) that there  is no longer a cash back option with no opt-out of the changes is preposterously criminal to the people that signed up for the old terms and conditions. People sign up for credit cards and agreements with the expectation that the conditions they sign up for will be respected. A company is entitled to change their conditions, but should do so for future customers and not the ones that signed up under the old conditions ( or offer an opt-out of the new changes ). For them to then change those conditions for some people less than a day after being approved is a stark abuse of power. Especially, considering the opposing consumer side is powerless to disagree because there is no opt-out option, and if the consumer were to cancel the card, their credit score will suffer causing reverberating effects. A rewards system is an integral part of the critical decision to open a credit card account ( which can have drastic effects on a consumer 's life ), and should not be subject to whimsical unilateral changes whenever a company wants. The  implications of such are obvious, enabling companies to impose drastic financial burdens on their consumers without consumer input.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE 3 DIFFERENT ACCOUNTS THAT IM NOT AWARE OF. IM A VICTIM OF IDENTITY THEFT. I HAVE ALREADY REPORTED TO POLICE, IVE CONTACT MY BANK SO THAT ACCOUNTS COULD BE CLOSED AND IVE UPDATED INFORMATION FOR PAYROLL WITH MY JOB. THERE ARE TWO ACCOUNTS FOR XXXX AND ONE WITH XXXX XXXX
Product: Money transfer, virtual currency, or money service

My check was wrongfully bounced and I have a 6 month old and a XXXX XXXX XXXX who need things taken care off and yet every week I have an issue getting my full check if not that recently they flat out bounced my prepaid payroll check for no reason I am ready to press legal action against the company as a whole cause they basically told me my kids are gon na starve
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Credit reporting, credit repair services, or other personal consumer reports

I plead " NO CONTEST '' and the disposition says " GUILTY '' and I want it changed to " NO CONTEST '' like it says in the actual original record. 

Here is the link : XXXX : XXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  " Guilty Due to No Contest Plea '' is what is says but I plead NO CONTEST because they did not allow me to take my case to trial or have legal representation. 

If you would like to further discuss the matters please contact me at XXXX. 

1. I was forced to choose between legal representation or no trial. 
2. My Attorney tried to quit XXXX month before trial you can see I was going. 
3. Judge would not allow me to fire my attorney before he wanted to quit.

4. I could not afford a private attorney.

5. All last minute.

6. I could not have a new attorney assigned to me until the old one was off my case.

7. This was not an armed robbery by definition.

8. This was an inside job.

9. Injustice happened to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute due to the fact I have never lived in any other state besides California, yet, on my credit report shows an account with XXXX out of Georgia. I can prove through utility bills and rental lease that I was not in Georgia at the time of said account was being used in my name. The company did nothing to further investigate my claim, but decided it was an accurate account.
Product: Mortgage

My mortgage is serviced by XXXX XXXX Loan Care. I have repeatedly asked to receive mortgage statements before the first of the month to ensure my payment is received in time. XXXX XXXX Loan Care LLC has routinely sent out my monthly statements delayed so that there is no possible way to submit a payment by mail with enough time to avoid a late fee. I have repeatedly requested via email and by talking to customer service directly over the phone and have asked to have statements mailed out earlier. To date they have failed to honor this request and continue to assess late fees. I need help getting this remedied. XXXX XXXX should not be allowed to remain in business.
Product: Debt collection

continued claim XXXX pursaunt to 15usc1692g ( XXXX ) - dispute debt & 15usc1681i-procedure in case of dispute accuracy- I the consumer am aware that all collection must stop an be deleted from my consumer report while debt is in validation. HOWEVER THIS ACCOUNT CREDENCE RESOURCE MANAGEMENT LLC IS STILL ON MY CONSUMER REPORT WHILE THE ALLEGED DEBT IS IN VALIDATION. WHICH IS A VIOLATION OF THE XXXX AND THE XXXX  THE REPORTING AGENCIES ARE ALSO STILL REPORTING IT ON MY CONSUMER. 

ACCOUNT- CREDENCE RESOURCE MANAGEMENT # XXXX
Product: Mortgage

USSA states that a double payment was made to XXXX XXXX XXXX company causing an escrow shortage. I need proof of double payment, a voided check, receipt or a copy of electronic transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter on XX/XX/2022 to experian/XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving text alerts from TrustedID regarding the Equifax breach. It says they detected activity that I need to check on. My userid and password are not recognized. When I click Forget Password, it tells me I will receive an email on how to reset my password but the email never comes. It says to call XXXX Monday - Sunday XXXX XXXX but that number has a weird busy signal, like it is not working.
Product: Mortgage

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the validity of debt on some accounts, and I 've disputed numerous erroneous names and addresses listed on my credit report, all of which are affecting my credit score. XXXX XXXX and XXXX have failed to remove the erroneous information or provide to me the proper evidence of the disputed accounts validity that they received from the creditor which caused the agencies to update my reports to show that the debts were validated per FCRA. The accounts in question were reported by LVNV FUNDING, INC. One is for {$390.00} with original creditor listed as XXXX XXXX The other one reported by LVNV FUNDING, INC. is for {$4300.00} with original creditor listed as XXXX XXXX. I never received any form of documentation from the original creditor or LVNV FUNDING, INC. to provide competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. However, for the account with an amount of {$390.00}, I did receive a letter ( over a month after my original dispute was submitted to Credit Bureaus ) with an account summary report from XXXX XXXX to XXXX XXXX, in my maiden name of XXXX XXXX, which I have not gone by in almost XXXX  years, but the summary report is not proper documentation proving the debt is valid and is also not competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. This letter and statement are attached. I have never had a signed contract, or any type of contract with LVNV FUNDING, INC. I have never done business with LVNV FUNDING, INC.
Product: Money transfer, virtual currency, or money service

XXXX I sent urgent money to XXXX. It was left pending for over XXXX hours with no explanation apart from the report .saying it is being processed There is no option to reverse money after the 30 minutes window has expired
Product: Mortgage

I refinanced my home with XXXXXXXX XXXX XXXX, utilizing the HARP program to reduce the interest rate on my mortgage. Even before my first and only ) payment to XXXX XXXX XXXX, the loan was sold to XXXX XXXX. I have paid my monthly payment utilizing their online payment service ( at : XXXX  ), on the first of every month. On XX/XX/2018, I was unable to connect to their webpage, to make my online payment, and finally made my payment over the phone. In late XX/XX/2018, I was notified by mail that my loan was sold to Specialized Loan Servicing, LLC ( SLS ). The problem of not being able to submit my loan payment online occurred again on XX/XX/2018. I made the payment over the phone again, and registered on the new website ( XXXX XXXX XXXX ), as directed by their customer service department , who assured me that this would solve the reoccurring problem. On XX/XX/2018, I experienced the same problem of not being able connect to their website to make my payment. Because it is Sunday, there is no customer support to process my payment. Unless their website magically starts working today, I will have to pay on XX/XX/2018, and pay 30 years interest on the one day late payment resulting from their incompetence ( or unethical practices ). I have read MANY posts, by customers complaining about the unethical practices associated with misapplication of principal payments, where a customer paid monies in excess to be applied to their principal balance on the the transaction date, to reduce their payoff amount/term, by avoiding compounded interest on the principal payment amount for the remaining term of the loan. I have read about unethical foreclosure practices, and poor or incompetent customer service practices as well. I have paid {$45.00} in excess of my minimum payment ( to principal ), on time, every month. And fully expect that this money is being immediately applied to my principal balance, and it is reducing my principal balance, and loan term in accordance with ethical finance practices, according to the good faith expectations of myself, and all applicable regulatory agencies. I have extremely low confidence in this, based on the number of complaints I see online, and my personal experience over the last few months.
Product: Debt collection

Ive sent in a certified notarized letter to Navy Federal. Its an important legal document Affidavit along with other legal documents attached. Navy Federal has committed several violations under the FDCPA, TILA, FCRA, and many more which theyve violated my rights as a consumer. This is not an attempt to collect a debt.

15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S. Code 1692d - Harassment or abuse 15 U.S. Code 1692b. Acquisition of location information 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692f. Unfair practices 15 U.S. Code 1692b. Acquisition of location information ( 4 ) not communicate by post card ( 5 ) no language or symbols on any envelope
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX 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

I was never notified of this alleged debt, this collection agency I C SYSTEM INC Original Creditor XXXX XXXX XXXX Date Opened XX/XX/2021 is illegally reporting an unsubstantiated debt and never provided proper notice before reporting