23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Below is what I have copy and pasted from XXXX XXXX. I disputed the first one because this around the same time that my identity had been stolen, yet they close one and just turned around to open another one. This should not be on here. I have disputed multiple times now. PLEASE fix this. Thanks! 





XXXX XXXX - XXXX Closed : XXXX XXXX, XXXX + XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX - {$340.00} Needs Attention Overview You 've paid off 0 % of your collection amount. 
Balance {$340.00} Highest Balance {$340.00} Opened XXXX XXXX, XXXX XXXX XXXX yr, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries 
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 card or prepaid card

I have been dealing wiht  Barclays Bnk  regarding my credit card since   X/X/2017    . I have already submitted a complaint nothing has been done by the company to correct there mistake and now the problem has gotten worse.     On    X/X/2017      i called Barclays bank to inform them i was unable to return to work due to an injury, and asked if there was any programs to help me out as it would be very hard to make payments until i receive my  XXXX  hearing as i have very little income. The representative told me that they would be able to help me but not until my account was past due, she even went as far as to put me on hold while she double checked for me. She than informed me it would not be a problem but i needed to call back after my account was past due.     On   X/X/2017   the day after my account was due i called back and was told by a representative, that they would help me but my account needed to be more than 30 days late.     After reviewing my accounts  on  X/XX/17  i n oticed the account in question had been marked as past due and a fee applied, i called again on   X/XX/17     and was told sorry theres nothing we can do to help you.     I have been in contact with the office of the  President of Barclays  card who also refuses to help stating i was misinformed and that the person who i originally spoke with does not knnow the requirements for assistance.     When i called the first time to speak wi th Barclays on  X/X/17  m y account was not late yet, I allowed it to go late based one misleading information i was given by a representative of this company, i was given this incorrect information apparently multiple times.     Because of this company i now am two months behind and they are now damaging the credit i was tryinng to rebuild by making negative reports to the credit bureaus.     I was injured at work and am awaiting a disabilty hearing, i have every intention of paying my balances off with this company once i have an income source again.     i was misled into allowing my account to go late, if i would have been informed that there was no way to help me in the first place i would have done everything in my power to keep this account current, but becuase of the misleading information they gave me i am now two months behind and getting negative information given to the credit bureaus, i can not even apply for a debt consolidation loan becuause my score has dropped over  XXXX  points just from the negative comments from this company, this is an outrage,
Product: Credit reporting, credit repair services, or other personal consumer reports

The level of incompetence from this financial institutions is unfathomable. I have spent hours upon hours on the phone for months with various customer service reps. trying to rectify matters after multiple fraudulent activity on my account occurred for a second time ( all from the same merchant ) .I paid off the balance for charges that I made in XXXX of XXXX. The first fraudulent activity occur in the summer of XXXX, but was resolved. The card number was changed and I locked the account immediately. However, I received a statement with additional fraudulent from XXXX in XXXX of XXXX, that I immediate filed a report with XXXX. XXXX reps. acknowledge that it is fraud and kept saying not to worry because they are aware of the situation and are working on resolving the matter. One rep. advised me to close the account, which I would be happy to do once the matter is resolved. The late fees have been removed for the past 2 billing cycles while they claim to be working on resolving the issue, but the credit bureau balance report includes a late fee and fraudulent charges. They made multiple excuses for why I can not speak with a supervisor and have disconnected me many times when I am waiting to speak to a higher up. Of course, they never call back when this occurs. This have been a repeated cycle of frustration since XX/XX/XXXX. However, knowing that this is fraud, that they claim to are behind in addressing claims, and that they told me to do nothing and give them time to correct the problem, did not stop them from reporting me to credit bureaus for non payment. Of course they told me that this will be reversed, but like all of their promises, they have non kept it. I should have never been reported for non-payment due to their negligence. This has dropped my score by more than XXXX points. My last call to XXXX was XX/XX/XXXX. I was promised that this matter would be resolved by XX/XX/XXXX and that I would be contacted by a supervisor as I have requested for months, because the supervisors were too busy to talk to me when I called. I will say that the reps. are polite and apologetic, but I need immediate corrective action not empty promises. I want my excellent credit restored and the fraudulent charges cleared. XXXX practices are unnecessarily and blatantly negligent.
Product: Vehicle loan or lease

XX/XX/2018 Purchase for a XX/XX/2014 XXXX. Two checks post dated of which one check was honored and the other checked cancelled. The loan is now in default due to the cancelled check. Let XXXX XXXX know and they said no problem. Westlake Financial Services was assigned to the the loan in a separate letter attached to the contract. It states, '' Your contract has been assigned to Westlake Financial Services. During the next week, XXXX will contact you regarding your automobile purchase. Please make sure that you are available for this phone interview, which is required for the financing of your new vihicle. '' The interview never took place upon waiting for 3 weeks. The vehicle was taken back to the dealer on XX/XX/2018. The dealer said that could not be done, hence the keys and the car was left on their lot. What financial company buys defaulted contracts unless they are one and the same? Let XXXX be aware of the situation and they kept putting me on hold as they would contact the dealership. No resolution.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX Westlake Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX
Product: Debt collection

Requested validation of debt several times for the company and they still have NOT provided it. Third time filing a complaint and nothing is being done. FCRA rules are not being followed. They sent me a generic copy of a bill. I asked for something showing my full name, full social security number, full date of birth, and original signature. I did not say anything about fraud. I asked to validate that the debt belongs to me. I have once again included a copy of my original validation request letter and certified mail receipt as well as the last letter sent to me from the company that still doesn't validate the debt in question. If the debt still isn't validated this time, I am well within my rights to contact an attorney. Everything is documented not only by mail but also by these complaints with the CFPB and the complaint with the FTC.
Product: Mortgage

Loan depot called about an inquiry of refinancing my home. After talking for a bit they asked to pull and take a quick look from my credit just to look at the score. Company ended up pulling a full report with out permission including all of the current loans I have out. After opting out of their services they still send paperwork to move forward with their loan which I did not agree too.
Product: Credit reporting, credit repair services, or other personal consumer reports

company not reporting vehicle loan ( s ) to credit bureaus. I contacted both, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  to ask why they were not reporting my positive accounts. Both companies expressed they would update, that has yet to happen. 

my initial communication regarding the matter was XX/XX/2021 till present. 
unresolved.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Medical Debt Reporting Dear Consumer Financial Protection Bureau , I am submitting this formal complaint regarding the inaccurate or improper reporting of medical debt on my credit report. I believe this reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the recent credit bureau policy changes regarding medical debt reporting. 

Details of My Complaint : Medical Provider :XX/XX/XXXXXXXX XXXX Creditor/Collection Agency : XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX Account XXXX XXXX XXXX Date of Service : UNKNOWN Amount Reported : {$1300.00} Credit Bureaus Reporting This Debt : [ XXXX, XXXX, TransUnion ] Reason for Complaint : The debt was incorrectly billed and should not have been reported.

The medical provider/collection agency failed to provide proper documentation to validate the debt.

I never received a bill or notice about this debt before it was reported. 

Attempts to Resolve the Issue : I have already contacted XXXX, XXXX AND TRANSUNION to dispute this item, but they have failed to properly investigate or remove the debt. I am now seeking the CFPBs assistance in enforcing my rights under the FCRA and recent medical debt reporting changes.
Product: Credit reporting or other personal consumer reports

Request made twice pursuant to FDCPA that Fortiva immediately cease and desist all oral and written with me that includes my credit report, family and friends. First request made XX/XX/XXXX, second request XX/XX/XXXX both requests were mailed via certified mail. Fortiva continues to ignore FDCPA regulations, I have tried to settle this issue with fortiva. XXXX  financed a voicing security system in XXXX, that system failed my home burglarized twice. Have police reports, also insurance claim from home insurance. XXXX refuses to acknowledge bad business practices of XXXX  and their faulty equipment. Equipment returned breach of contract by XXXX  and fortiva
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX, NY XXXX ; XXXX XXXX XXXX, XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX/XXXX  XXXX Balance XXXX : {$0.00} ; XXXX  XXXX Balance Owed : {$6300.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXX XXXXXXXX XX/XX/.
Product: Student loan

MOHELA has intentionally delayed processing of my Income Based Repayment plan, Pay A You Earn plan, application since XXXXXXXX XXXX XXXX. My account was placed in special forbearance for 60 days in XXXXXXXX XXXX XXXX to allow MOHELA to process my XXXX application, which they neglected to do. On XXXX XXXX I received notice from MOHELA informing me of a due payment by XXXX XXXX. Then, on XXXX XXXX I received notice from MOHELA stating my account was placed in forbearance and no further action was needed. Then, on XXXX XXXX I was notified by MOHELA that I missed my payment that was due on XXXX XXXX. I then filed a complaint to MOHELA describing the above sequence of events, and requesting they rectify the issue by removing the delinquent payment from my account, and to change my account to reflect the forbearance status until they process my XXXX application. I received a reply from MOHELA on XXXX XXXX that appeared to imply my complaint was an application for forbearance, stating that once my application for forbearance was processed the delinquent payment ( XXXX ) would be resolved, seeming to ignore entirely that my account was/should already be in forbearance status. The letter went on to report a completely different amount owed, {$400.00}. compared to the {$1400.00} reported on the website and in previous letters, seeming to imply an XXXX payment plan as opposed to the Standard Plan. 

I attempted a second time to rectify this issue with Mohela via a phone call on XXXX XXXX in which after explaining the above to the representative, I was transferred to an " advanced '' representative where I was placed on hold for almost XXXX hours before opting for the call-back feature. I have yet to have been called back by MOHELA. 

I submitted a second complaint today requesting the XXXX and now XXXX missed payments be removed from my account, that my account be placed into forbearance, and that MOHELA process my XXXX application as soon as possible. 

It appears that MOHELA has already processed my XXXX plan application evidenced by the {$400.00} amount due noted in the XXXX XXXX reply to my complaint, yet continues to send bills for {$1400.00} under the XXXX XXXX plan. 

MOHELA has negligently handled the processing of XXXX applications, mishandled the processing of forbearance, all while hiding behind a federal injunction on the XXXX XXXX  in an attempt to maximize their profit at the expense of myself and other borrowers. This has the potential to significantly impact my credit rating should my account be placed in Default. This also has impacted my ability to make qualifying payments for the XXXX XXXX XXXX XXXX XXXX as I have not been able to make qualifying payments since XX/XX/year>. This constitutes abuse by MOHELA and failure to uphold their obligations through gross negligence.
Product: Credit reporting or other personal consumer reports

I urgently and respectfully request the Credit Bureaus to remove these fraudulent inquiries from my credit file, in accordance with FCRA section 605b, which mandates Credit Reporting Agencies to remove any inquiries listed on an identity theft report. I have included these inquiries in my IDENTITY THEFT REPORT # XXXX, which I am resubmitting with this complaint. I anticipate an update in my credit report within the next 15 days, and I kindly request that the following inquiries be removed promptly : EXPERIAN 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

On XX/XX/2019 I mailed XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX a debt re-payment contract agreeing to pay {$25.00} per month starting XX/XX/2019 until my debt is paid. XXXX XXXX agreed by cashing my post-dated check. XXXX XXXX is reporting that my account ( s )  are delinquent/charged off. XXXX XXXX cashed my post-dated check ( s ).
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed ITEMS get corrected. 
XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXXXXXX : {$37000.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX : {$520.00} XXXX XXXXXXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX XXXX  {$17000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  {$2400.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX  {$990.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX XXXX {$36000.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$2400.00}
Product: Checking or savings account

I reached out to the company to ask for them back. The overdraft fee was double what was in my account which my account was in the negative.
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 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 proces 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 XXXX. 
financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian to investigate accounts on my credit report from US Dept of Education and Experian failed to properly investigate the information or send me validation of the information that they were provided. Experian completed the investigation within 24 hours which is a clear sign that they did not investigate what I asked them to. At this point Experian is violating the FCRA by reporting information from the US Dept of Education because Experian did not properly conduct an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Frauding scams using XXXX XXXX  Hospital of  XXXX XXXX Indiana of XXXX county Indiana frauding scams frauding my documents of serial numbered documents of XXXX ( XXXX ) XXXX XXXX XXXX XXXX all from XXXX county Indiana Then others frauded my documents of my brother documents of XXXX Hospital of XXXX  XXXX Indiana of XXXX county Indiana of XXXX XXXX ( XXXX XXXX ) XXXX XXXX Others frauded my birth certificate long form of XXXX XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX Hospital Others frauded my documents using my immazation record XXXX  XXXX XXXX XXXX county Indiana Others frauded my FBI registrations of my XXXX XXXX  career and also frauded scams using XXXX elementary School of XXXX XXXX Indiana of my documents as XXXX XXXX and business Others frauded my documents of XXXX high school as XXXX XXXX in my states Fraud scams using business permits and products and retailers store 's and semi trucks companies and CDLs and resterants franchises using Cole slaw and auto stores frauding scams using XXXX  and then frauding scams using My grandma documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX Frauding scams using using XXXX XXXX XXXX married to XXXX XXXX all decest  closed out social security files Others frauded XXXX XXXX married to XXXX XXXX XXXX of XXXX county Indiana and XXXX XXXX of North Carolina
Product: Credit reporting, credit repair services, or other personal consumer reports

Application has been declined because your application contained unsatisfactory or unverifiable information ( I knowingly never applied for this card )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XX/XX/2020 {$280.00} XXXX XXXX XXXX, XX/XX/2020, {$200.00} XXXX XXXX XXXX XXXX, XX/XX/2020, UNKNOWN ALL ACCOUNTS ARE FRAUD NEVER APPLIED OR GAVE CONSENT TO OPEN ACCOUNTS
Product: Debt collection

Collection company ERC is reporting a claim from an original creditor ( XXXX ) that was opened XX/XX/2020. This claim is false, I believe this claim is due to fraud, I have never had a XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My 16 year of credit history is no longer available on my credit report. This information includes : XXXX. Loans : Loans repayments that were completely paid off on time as well as my mortgage payment history. 

XXXX Credit Cards : I had credit cards in my name which reflect a solid repayment history. 

XXXX. Mortgage : Mortgage repayments paid for two properties no longer appear on my credit report.

I am filing this complaint to have this information restored to my credit report as well as an adjustment to my credit score.
Product: Mortgage

They stopped sending me my statements for no reason. The loan was behind then paid up for 3 months. I send in an additional month so that my mortgage would not be due until XX/XX/XXXX, XXXX After I complained three months for them not sending me my statement. They finally sent me a statement saying that my mortgage went from XXXX to XXXX. I have a fixed rate and my insurance has stayed the same. My taxes have decreased. I am so XXXX tired o this mortgage company playing games with my mortgage and increasing fees/ They have not given me an answer for my mortgage payment that I paid in XXXX for XXXX. You really need to look into this mortgage company They have ties to XXXX XXXX and that should e illegal. XXXX XXXX send me a refund check stating that they made a mistake with my mortgage when it was sold and they owed me money. These people at specialized loan servicing are crooks and are stealing money along with houses! Something needs to be done! I am so XXXX tired of this!
Product: Student loan

I received a 1099C on XX/XX/2023 for the full amount of my student loans serviced by Sallie Mae. Once I logged into my account it was still showing a balance owed. I reached out to a customer service representative by way of chat and she proceeded to tell me they were not honoring the 1099C. I also sent a security by registered mail to XXXX XXXX  XXXX on pertaining to this promissory note and they forward the documents to Sallie Mae. Sallie Mae sent me a letter advising me they were not honoring the restrictive endorsement on my security and had received the documents from XXXX XXXX  XXXX XXXX XXXX. However, they have yet to return my security back to me. Later I received the 1099C and my account is still showing an outstanding balance. I've uploaded the 1099C to an email I sent for follow up with still no response as of yet and still no return of my security. 
I wish to have my account closed out, run back to me my tender, my security and forward my security interest to my XXXX XXXX  account because I also provided instructions with my security advising I rescind the security interest.