23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AMSHER has failed to respond to electronic communications from XX/XX/XXXX through today. 

They have incorrectly reported on the credit report of XXXX XXXX XXXX which they were not authorized to due so. NO agreement has been presented by Amsher signed between Amsher and XXXX. 

They have caused damage to XXXX XXXX Credit report and use the name without permission of the owner whom has implied ownership over XXXX XXXX XXXX and a notarized POA.
Product: Credit reporting, credit repair services, or other personal consumer reports

CarMax refuses to remove my late payments during my XXXX treatments for the months of XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and the first month of Covid XX/XX/XXXX, after agreeing to remove those late payments. I have notified and disputed the information with all XXXX bureaus and their finds comeback " VERIFIED '' with no further information. I have exhausted myself attempting to have this matter taken care of and this is my last resort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 


XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

Applied for discharge under the borrowers defense back in XXXX. Finally got discharged in XXXX of XXXX, have email for proof. Loan still got sent to new servicer, who sent me a discharge acknowledgment form dated XX/XX/XXXX of XXXX showing that everything had come to XXXX, everything was discharged, said I owed nothing more. They were also marked as closed on my credit account. Kept getting emails saying I needed to set up an online account with new servicer so I did bcuz I thought maybe it was just some kind of formality. When I got on there, I saw that there were documents supposedly sent & never got, These documents were talking about a repayment plan, that they repayments were going to start up again and all of my discharge loans had been put back onto my account. What's funny is one of those documents was dated XX/XX/XXXX yet on XX/XX/XXXX they sent me a discharge acknowledgment letter. This has messed up my credit and now I can not buy the house I have been living in & I'm getting evicted. My credit is XXXX bcuz of this and it's causing me a lot of monetary damage as well as emotional damage bcuz now I can't get any loans to help me get this house or any other place since this was put back on my credit report only now they say I owe an extra {$20000.00}. My original loan amount was {$57000.00}, then it got consolidated which added another {$30000.00} on there and now they're adding another {$20000.00} on there making my {$57000.00} loan come to over {$100000.00} & the company that consolidated the loans were sued because they didn't use the funds like they were supposed to & I got a {$36.00} settlement check a couple yrs ago. I have all documents for submittal.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify -through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the records listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. i demand the following accounts be verified or removed immediately 1. 15 usc 1681b ( a ) ( 2 ) permissible purpose of consumer reports Account Name : XXXX XXXX XXXX Account Number : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX credit reporting agencies have allowed XXXX XXXX XXXX to " re-age and re-list '' old debt that was bought by them. I have XXXX collection accounts being listed by XXXX XXXX XXXX that have illegally " re-aged '' this old debts that are over XXXX XXXX XXXX. According to the XXXX, accounts older than XXXX years must be deleted from credit reports. Since the original accounts are older than XXXX years, Experian must delete all XXXX collection accounts from XXXX XXXX XXXX. XXXX is allowed to try to collect on the old debt, however, these accounts have to be deleted according to XXXX law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attachment is a NOTICE OF FAULT AND OPPORTUNITY TO CURE letter sent to Transunion. They have 10 days to respond.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX did not respond to everything I asked of them with the CFPB. I 've conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. <P/>According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28 In addition, This company according to my credit report is trying to collect on a debt from 1999. Which is way past the statue of limitations.
Product: Credit reporting or other personal consumer reports

Equifax leak of my information. Reporting me living in a new state, Inhave never lived there.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Apple Golman sack bank charged my XXXX debit card account for an obviously fraudulent amount. I reported it to them on XX/XX/XXXX. They could never explain what that was for and recommended to dispute with my debit card bank. I did just that. So my debit card bank XXXX originated the dispute and froze my debit card account. Apple GS bank immidiately reported to all credit bureaus that I missed a payment and ruined my credit history because my score dropped by at least XXXX points. I called Apple Golden sack bank again on XX/XX/XXXX and requested to initiate now THEIR own internal dispute ( which is what they were supposed to do back on XX/XX/XXXX when I called first time ). They finally did - ref # XXXX. Though, today, XX/XX/XXXX I have learned that Apple GS bank made a decision that this balance {$130.00} is valid and that I'm responsible for it. They failed to provide with any statements or any details on what this balance is about or any basis for their decision in response to my dispute and fraud investigation whatsoever!! Please don't let them to get away with this!!!
Product: Credit card or prepaid card

I used XXXX credit card to make some purchases with promotional offer which ended last month. They created an end date that is different that due date ( lets say the statement end date is XXXX of the month and the promotion end date is XXXX and due date is XXXX of next month ) and they charged me 25 % interest ( XXXX $ ) for not paying XXXX $ on my account which was part of promotional offer. They wrote a small line under the statement that tells me to pay this amount 3 days after my statement end date which I did not even realize because the statement was just closed! Who would even think that there would a totally different due date other than the regular due date you pay your card. I paid my balance on time for 1 year and half and they charged me XXXX $ for not paying XXXX $ which they unfairly due dated. Now they refuse to remove XXXX $ of interest charge. This is not fair and I am sure many people fall for this. I wish there was a way to make them pay for their shady practice!
Product: Checking or savings account

On XX/XX/2021, I went to a Capital One Caf in XXXX, Arizona, to make a cash deposit into my checking account. The cash had been a birthday present from my father, mother and other relatives in XXXX and I intended to use it to cover the cost of higher bills I incurred due to repairs at my home. 
The ATM machine said I could insert up to XXXX bills at a time. I had XXXX folds of XXXX {$100.00} bills each and {$440.00} in loose bills, for a total of {$2200.00}. My plan was to deposit all of it into my account. However, after some failed attempts at inserting a number of bills together, including attempts witnessed by an employee of the caf, the ATM flashed an error message and kept my money. I believe that, in total, between the two ATM machines I used, {$1700.00} were kept. 
I immediately contacted Capital One and did so again on the morning of XX/XX/XXXX, given that XX/XX/XXXX was a federal holiday. I was told that I will have to wait 10 business days for a provisional credit and 45 days for a resolution of the investigation. Meantime, I have a number of bills due and only {$53.00} in my checking account. I asked for an earlier credit, but the bank refused, saying it is procedure. This is unacceptable. The money is mine and was stolen from my by the ATM. I need Capital One to resolve this immediately and issue at least a partial credit so that I can keep my financial responsibilities.
Product: Credit reporting or other personal consumer reports

Company Information ( Furnisher of Disputed Information ) Company Name : Discover Bank Credit Reporting Agencies Involved : XXXX, XXXX, XXXX Details of the Complaint I am filing this complaint regarding inaccurate, misleading, and unverifiable information reported on my credit file by Discover Bank and the credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX. The account in question is a charged-off account XXXX XXXX XXXX  that is improperly affecting my credit profile and violates multiple federal consumer protection laws. 
1. Fair Credit Reporting Act ( FCRA ) Violations ( 15 U.S.C. 1681 et seq. ) - Failure to Maintain Accuracy ( FCRA 1681e ( b ) ) - Failure to Properly Investigate ( FCRA 1681s-2 ( b ) ) - Unauthorized Furnishing of Consumer Report Information ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) 2. Truth in Lending Act ( TILA ) Violation ( 15 U.S.C. 1666b ) - Billing disputes must be resolved within two billing cycles ( not exceeding 90 days ). 
- This charge-off has remained on my credit report well beyond the legally allowed timeframe. 
3. IRS & Treasury Regulation Violation ( 26 CFR 1.6050P-1 ) - When a creditor cancels a debt of {$600.00} or more, they must issue a 1099-C Cancellation of Debt form.

- If this charge-off was reported as a loss for tax purposes, it must be removed from my credit report.

4. Gramm-Leach-Bliley Act ( GLBA ) Violations ( 15 U.S.C. 6801-6804 ) - Failure to Protect Consumer Financial Privacy ( 15 U.S.C. 6801 ).

- Improper Disclosure of Personal Information ( 15 U.S.C. 6802 ).

- Failure to Provide a Privacy Notice ( 15 U.S.C. 6803 ).

5. FTC Holder Rule Violations ( 16 CFR 433.2 & 16 CFR 433.3 ) - Preservation of Consumer Defenses ( 16 CFR 433.2 ) prohibits lenders from enforcing payment of a disputed debt. 
- Unfair and Deceptive Collection Practices ( 16 CFR 433.3 ) misrepresenting the legal status of a debt.

6. Privacy Act of 1974 Violation ( 5 U.S.C. 552a ) - Unauthorized sharing of consumer financial records. 
- Failure to demonstrate a valid, legal reason for retaining this data after dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX Violations - Failure to correct these errors after a dispute suggests non-compliance with dispute verification requirements. 
8. Misrepresentation of Debt Status ( FDCPA 807 ) - A charge-off is a Certificate of Indebtedness, meaning it must be removed. 
- The continued reporting of this charge-off is deceptive and misleading.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXXXX/XX/XXXXXX/XX/XXXXI looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Student loan

On XX/XX/year>, my student loans held by mohela transferred from their old platform to their new platform. The transfer was completed in a little under 2 weeks. Today, XX/XX/year>, I received a document electronically from mohela detailing a change in my loan repayment schedule. On that document it stated that I had {$940.00} in accrued interest prior to the transition which has now been capitalized into my existing loan balance. I do not believe this is supposed to happen, as I am on the save plan irrespective of any of the ongoing legal issues with it. 

This outstanding interest is also currently being reviewed from a prior complaint due to mohela improperly applying the save subsidy back in XXXX and XXXX. I do not understand why this XXXX has been recapitalized into my original principal balance, as I do not believe that interest rate capitalization is supposed to be part of the transition process, and nowhere was a documented that this was a possibility. 

I have read accounts elsewhere this happening to multiple other borrowers who use mohela and have had prior outstanding interest recapitalized into their loan balance during the transition period.
Product: Credit card

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose DISCOVER BANK account has become 120 Days Late Between XX/XX/2023 and XX/XX/2023, your DISCOVER BANK credit card status changed from " 90 Days Late '' to " 120 Days Late ''. During this period, you made 0 out of 1 payment on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed have disputed the ownership and accuracy of the XXXX Account listed on my credit report more than once and it has come back as accurate and Verified the account number is the same on each consumer report but the data furnished on each report is different which are violations of the FCRA
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One had cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I am requesting you assistance with investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX Balance : {$16000.00}
Product: Money transfer, virtual currency, or money service

On XXXX  XXXX I accidentally paid the wrong person via venmo. Now they have freezed my account and wont respond to me. I want my account unfreezed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX ( XX/XX/XXXX ) SS ( XXXX ) I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. # XXXX account is reporting 90 DAYS LATE on XX/XX/XXXX, XXXX, XX/XX/XXXX since I requested assistance due to the pandemic. I am shocked that this has happened when I had already been in contact with my company. I was told that my account would be fine and no late payments would be removed due to the Pandemic ( COVID-19 ). My previous payment history and current since has been stellar. I have inaccurate reporting the month of XX/XX/XXXX as well.
Product: Credit reporting or other personal consumer reports

My Account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Auto Pay. This late payment that is reporting is a resort of systematic error on their end processing my payment. There was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC code 1681 EB. This area has caused severe hard to my reputation, my character, my mode of living into my family! I demand the late payment reported in XX/XX/2021 to be removed. They are not in compliance with the following law 15 USC 1666B requirements set the standards and the guidance for a credit to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 US 1666B ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open and customer credit plan as late for any purpose, unless the credit has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( B ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637b.

I have requested proof that this information was mailed or delivers 21 days before the payment due date and this information was requested in good faith pursuant rule one 1002 and it was never provided. This is unfair, illegal, fraudulent, and equitable to me as a consumer! 

Delete the payments from my consumer reports!
Product: Credit reporting or other personal consumer reports

XX/XX/2024 These Credit Bureaus are not following the FCRA laws. They reporting inaccurate information to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist from Contact Regarding account number : XXXX Dear XXXX XXXX, I am writing to formally request that you cease and desist all communication with me regarding the above-referenced debt, including but not limited to phone calls, letters, emails, or any other form of contact. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

Please be advised that I am requesting you to stop all further attempts to collect this debt, and I ask that you refrain from contacting me again. If you continue to attempt to collect this debt after receiving this notice, I may file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or my states Attorney Generals office.

Please confirm in writing that you have received this request and that you will comply with it. Per Section 623 ( A ) ( 1 ) ( A ) ( B ) you have been notified and you are not allowed to report moving forward. Also per section 15 USC 1681i ( a ) ( 6 ) ( b ) ( iii ) Im also requesting the procedure used to determine the accuracy and completeness of the information that is reporting. If you continue to report this debt you will be in complete violation of the law. I am also requesting that you provide me with written verification of the debt, as required by law, if you have not done so already.

Thank you for your immediate attention to this matter. 

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

I have disputed accounts on my XXXX credit report that is not mine or not being reported correctly but it's still showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Certified mail sent XX/XX/XXXX - Certified mail delivered and signed for by company XX/XX/XXXX - Follow up letter sent asking to delete record based on item not marked as disputed within the 30 day FCRA guidelines.