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

I've been disputing against this reporting agency since XXXX There have been over 100 violations from them since that time. 

Deletion is admittance of guilt and I've invoiced them for $ XXXX and they still haven't fully rectified the problems that I've reported to them, or complied with my demands. 

Most of my exhibits will be attached to this complaint. 

The certified mail receipt of the invoice will also be attached. 

I do plan to take them to federal court if they do not pay the invoice. 

I've not been able to buy a house because of the 34 derogatory marks from student loan accounts that were reported incorrectly, and updated illegally. 

They denied over 30 of my requests to validate certain debts between the years of XXXX and XXXX. 

They've never interviewd my friends and family for validation, and have caused me financial misery for a bit under a decade. 

I've slept in my car for months at a time due to their mis reporting, and blatant disregard for the law. 

Here is a list of some of the violations that I've cited to them. 

15 U.S. Code 1692j ( a ) Furnishing certain deceptive forms Under 15 U.S. Code 1692k Civil liability I Demand XXXX dollars for each violation as you have caused severe damage to my character.

Pursuant 15 USC 1602 ( p ) The term unauthorized use 15 U.S. Code? 1692g-Validation of debts Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report United States Code Law 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) In general subject to subsection ( c ) I never gave consent to have these items reporting. These items are false and misleading 15 U.S.C 1681a ( b ) - " Any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Anything authorized from my credit card should be excluded from my consumer report. I want everything listed below deleted from my credit report.

According to 15 USC 1605 ( a ) any transaction that requires my social does in fact involve a finance charge, which is illegal because selling credit is against the LAW. You have violated my right to recission by not disclosing that information to me pursuant 15 USC 1635 ( a ). 15 USC 1635 ( b ) 15 U.S.C. 1692g, 15 U.S.C. 1695, FCRA, FDCPA 15 U.S.C. 1692g ( B ) 12 USC 1431 15 USC 1681a 2B From XXXX - XXXX 84 Incorrect pieces of information were deleted, not including the dozens of hard inquiry listings, wrong names, wrong addresses, wrong jobs, wrong phone numbers, inaccurate accounts and more. 
I have exhibits for each and every one of those deletions, disputed receipts and all will be sent to the CFPB. If this demand is not fulfilled. 
I will take this to federal court and sue for damagaes for that enitre 8 year period. '' There's a XXXX XXXX credit card date opened XX/XX/XXXX, with a balance of XXXX out of XXXX, all three reporting agencies are reporting that without my written consent as well. I would like that to be deleted.
Product: Payday loan, title loan, personal loan, or advance loan

UCFS has repeatedly claimed I am paying late and charged me late fees. Then they report this to my credit report. I dispute it with XXXX, and they say it is verified. I finally figured out that UCFS is changing my due date every month. So when I think it is due on a certain date and pay it, they roll the due date back so the payment is late. Also they do not apply the payment to the due date. They report receiving it several days after the due date even though I pay directly on the web site with a debit card and the money is immediately removed from my account. I have tried repeatedly to contact them by phone, by email, and by message on my account portal. They erase the messages on the account portal and do not respond. This is either total incompetence or intentional abuse because I disputed it with XXXX. I want all the late fees reimbursed and I want UCFS fined for malicious acts against me as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB # XXXX because Equifax 's website is unavailable, and you ca n't speak to someone on the phone. I just received an email from CFPB saying the company has responded and the complaint is closed. Nothing could be further from the truth. We have heard nothing from Equifax, still ca n't speak to someone there and have had no communication from Equifax. 

How can this be? What good is making a complaint if this is how CFPB handles it? 
WE are both very displeased and I 'm now making a complaint against CFPB
Product: Credit card or prepaid card

bought a laptop at  XXXX  for {$430.00} on   XX/XX/XXXX    .   returned it on XX/XX/XXXX   .   a week later funds have not been returned to my account.   was told can take  two  weeks to get my account credited.   who is holding my money?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I opened a ticket with the Coinbase.com the online exchange for Cryptocurrency trading as I was unable to log in to my account using my computer while I had the App on my phone working due to the facial recognition to log in to the account active. 

However, the activity I needed to do required me to log into the account and check the details. Coinbase automated responses directed me to follow on screen instructions that kept me going in circles without success. I opened additional tickets after waiting for 24 hours when coinbase did not respond with the account password reset instructions nor ability to reach a human being who can help address the issue. This continued day after day each each time I send an email receive an automated email sending the exact same information that will not resolve the issue. Eventually on XX/XX/XXXX I received an email telling me that an account specialist is looking into my issue and it will be resolved in 3 to 5 working days. 
Since, then I have heard nothing more from Coinbase to all my follow up emails. As a result on XX/XX/XXXX when Bitcoin price reached its XXXX at {$41000.00} I could not sell any of my bitcoins. All my efforts to contact Coindesk have ended in sheer frustration as there is no way to reach any one at the company. No one responds to the emails and I find my self held hostage and unable to access my money that they have locked up in the wallet and I do not know if they will ever give me access to my account. I believe they are not acting in the best interest of their customers but, are only thinking about how to make more money by using locked money in my account. 

I have record of all my emails sent to Coinbase available to support above claims and I need your assistance to resolve this issue ASAP. 

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

NATIONAL RECOVERY AGEN ( Original Creditor : XXXX ) on XX/XX/2023 I legally requested for this company to verify that a debt that they claim that I owe is 100 % accurate, and i will pay in full. If not 100 % accurate i requested for the debt to be removed and Permanently Deleted from my credit reports if not verified to being 100 % accurate. It is now 5 months later and i am receiving several stall tactics as to why it has not been removed from my credit file. I am demanding that this account be removed immediately as it has not been verified as to being 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 payment was made to XXXX XXXX at a branch for the month of XXXX then days later exactly XX/XX/18 account was transferred to new bank XXXX XXXX which payment was made to them XXXX XXXX for that month, so on my credit report chase is posting a 30 days late payment for XXXX when they didnt have the account as of XX/XX/2018 and my XXXX payment was made already to new bank i just need that 30 days late payment for XX/XX/2018 removed and i spoke with them two times and disputed with credit bureaus twice as well and none would help me.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to 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 and address fraud on their platform. Leaving my account vulnerable and unprotected, furthermore their dispute resolution process was unfair and very deceptive, as they did not comply with effective resolution requirements. Under the Electronic Fund Transfer Act ( EFTA ) Regulation E. These actions have caused significant inconvenience and financial loss. Now I seek full redress of all financial loss and contracts brunched by Law.
Product: Credit card or prepaid card

Issues with Capital One account number ending in XXXX. Received a letter form them stating that they have enrolled me in their Specialty Assistance Program for the next 3 months. Letter was received on XX/XX/2019. Got a call from them on I believe on XXXX the XXXX or XXXX asking if I was going to make my payment. I informed the person on the phone that I can make it now. The payment that I was allow to make was {$50.00} a month due to being in the program. When I told the person on the phone of the amount she said that that was not correct and that I would have to make the standard minimum payment of {$120.00} I told her that I have an agreement and she told me that she doesn't see any letter in the system. I clearly have the letter in my hand and tried to explain it to her. I feel Capital One is not fulfilling their agreement to me and now they are effecting my credit due to the fact they don't have the communication that I clearly have.
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. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse 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 ( 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 or other personal consumer reports

The address on my XXXX credit report is incorrect. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX Il, XXXX. 
Also the employer on my Equifax account is not correct either. My employer is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$700.00}
Product: Credit card or prepaid card

I received a letter supposedly from wyndham rewards credit card. It said it need a copy of my drivers license, social security card, and bank statement to process my card application. I NEVER applied for this card!
Product: Credit card or prepaid card

I called this bank up and asked for the payoff amount and I paid the amount over the phone with my debit card. This was approximately around XXXX of 2022. A month later in XXXX I received a bill for {$2.00}. I called them up and they said it was an interest charge. I asked them to remove it since I had called them up and asked for the payoff and paid that amount. this obviously was an oversight on their end. They refused to remove the charge and they have been charging me late fees and interest charges ever since. The card and account have been closed and I have not used it. I was a loyal customer for a very long time. I feel this is illegal to be charging interest on top of interest and late fees. My bill is now up to {$170.00}. This is from a {$2.00} interest charge. they have currently been charging {$41.00} per month on late fees.
Product: Student loan

I had a student loan with Navient and when I called to let them know about my financial situation and that I was working for a State Agency, they recommended over and over to apply for forbearance and deferment. When I asked them about applying for the Public Service Loan Forgiveness program they advised I didn't qualify for that ( even though I worked for a state agency that does qualify ) and that it would be best to do the forbearance or deferment options. I mentioned I wanted to pay my loans but I just needed to reduce the monthly cost not defer them. They stated I wouldn't qualify for an Income-Driven Plan at that point and to defer the plan. So I went ahead and deferred the plan and then went into forbearance when directed. Finally, I spoke with someone else at Navient ( after doing forbearance and deferment ) and they stated that I would have qualified for Public Service Loan Forgiveness and also for Income-Driven and they set it up, but then it was already a few years too late as all that time in forbearance and deferment should have been on the income-driven plan and public service loan forgiveness plans. Then my loan was transferred to XXXX XXXX for the repayment plan. This caused a lot of financial hard-ship now as now I have to try to get all those months to count that should have already been counted as I was willing to pay just needed the reduced amount due to my income.
Product: Credit card or prepaid card

There are charges in my account that I dont recognize and sudden increase of my minimum monthly dues from {$25.00} to {$86.00}. Syncrony bank is a very terrible bank they are totally different with other credit cards and banks. I tryed customer service they are not willing to help very judge mental argumentative and just want to be difficault and make the Mather harder for me I dont like this bank and I want o pay off and closed my account but I wont do any of the above until the balance gets fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX A XXXX XXXX XXXX, AL XXXX XX/XX/, XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$48000.00}, XXXX XXXX XXXX Balance : {$2900.00}
Product: Money transfer, virtual currency, or money service

i am filing a complaint against CashApp due to inadequate customer service and unfair practices, which violate the consumer financial protection act CFPA specifically, CashApp failed to take timely and effective measures to prevent and 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 significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 section 602A. states I have the right to privacy. 15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than Seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : 0 0 0 High Credit : {$670.00} {$0.00} {$670.00} Credit Limit : {$480.00} {$480.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : 0 0 0 High Credit : {$660.00} {$0.00} {$660.00} Credit Limit : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent multiple dispute letters to XXXX, Experian and XXXX regarding inaccurate information and they sent back a letter stating that the accounts are verified and updated still with inaccurate information. This has cause alot of hardship stop me from buying a home and being approve for other credit cards.
Product: Student loan

I applied for XXXX in XX/XX/XXXX. XXXX the XXXX servicer said they did a manual transfer request to Nelnet ( my current loan servicer ) XX/XX/XXXX. However, every time I call Nelnet they state XXXX has not requested a payoff for the loans. I believe Nelnet is doing stall Tactics to hold onto the loans and is mishandling accounts rather than transferring the loans. Please investigate because it should not take almost a year to get transferred to XXXX for the XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

HOW DO I OWE YOU {$890.00} DOLLARS ON A SECUDED CREDIT CARD? NFCU HAS NEVER EXPLAINED THIS. I DO NOT OWE YOU {$890.00}. DOLLARS JUST BECAUSE YOU SAY SO. I WILLSUE YOU IN SMALL CLAIMS COURT. THIS BANK IS FULL OF LIES. THE PRESIDENT OF THIS BANK CALLED ME A XXXX TO MY FACE ON XXXX XXXX IN VIRGINIA HE IS A XXXX. XXXX PHONE NUMBER XXXX IS BLOCKED BECAUSE I RECEIVED OVER 901 SPOOPHED CALLS FROM NFCU.
Product: Vehicle loan or lease

1. USBank plays favorites. My lease buyout with XXXX XXXX is {$24000.00}. At XXXX XXXX it is {$32000.00} because they don't have a relationship with USBank. 
That is punitive to both XXXX XXXX and me. If I choose to deal with XXXX XXXX I have to pay the lease off with my own money. 
2. USBank doesn't allow payoff by XXXX  XXXX or ACH. They require a personal check, Cashiers Check or XXXX XXXX. I XXXX  my check with the required payoff and documentation to USBank. They received it at XXXX XXXX on XX/XX/20. The check has still not been processed 8 days later and they tell me when they do cash the check there is a five day hold on the funds. Then they process the title. This process could take a month. It should never take over 5 days. In the meantime the trade in value of my truck has gone from {$31000.00} to {$30000.00} XXXX XXXX Offer ). This process is punitive to me to all lease customers. 
3.I have spoken to at least ten employees, 2 supervisors, and have left messages with an operations manager. None of them could tell me how or to whom to complain. There is nothing on any USBank Website that I could find that allows me to make a complaint with them or CFPB.
Product: Debt collection

this company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2000.00} with XXXX & XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was paid before the 90 days. They said I was late and they charged me which left me another balance thats not mine. 

Its also sold to a collector name Vance and Huffman LLC {$2300.00} Ive tried to have them remove this off my file