23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 the 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 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  {$0.00} XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education keeps a balance on my credit report, reflecting as a late payment. This debt was settled on XX/XX/2016 for {$940.00}. No further payments are due, however, this still hasn't reflected settled. Missed payments are still showing on the report and it will not remove.
Product: Debt collection

I XXXX XXXX was entered into consumer transaction with Capital One ( 01 CAPITAL ONE N A Account # XXXX ) on XX/XX/2015 or XX/XX/2015, I dont know the exact date because you guys are reporting to different date open dates to the credit Bureaus. It is illegal to report inaccurate information to a credit report, especially without my written consent under 15 USC 1681b so you have already broken the law. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CAPITAL ONE took cash. It is illegal for you to sell me my own credit, you are merely just a credit extension with no power, I hold all the power as I am the original creditors, and without my credit, you wouldn't be in business. A consumer credit transaction in which I was tricked into thinking that I got a loan when in reality I only came for the credit, the promissory note was for them because CAPITAL ONE got the loan 15 USC 1431. Capital One used my information to obtain an extension of credit, 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. my information was used by capital one illegally to obtain my approval status for an extension of credit. You continue to call my phone and send me emails telling me how you cant assist me, this is harassment and abuse and I feel very harassed and abused and Im pretty sure a judge would see how I could feel harassed and abused by your actions.Whoever keeps trying to contact me with this phone number XXXX XXXX ext XXXX ) will be prosecuted in court for harassing me via letters, emails, and phone calls. You have all the power to assist me by no longer violating my FDCPA, & FCRA consumer rights.
Product: Prepaid card

I purchased ( XXXX ) XXXX  prepaid gift cards serviced by XXXX XXXX XXXX XXXX XXXX from XXXX stores during XXXX - XX/XX/2024. Each card was purchased with an initial value of {$500.00} for a total value of {$3500.00}. 

The ( XXXX ) cards were not working properly for purchases. Therefore I called XXXX on XX/XX/2024. I provided the card numbers, expiration date and CVV codes for each of the ( XXXX ) cards that did not work. The ( XXXX ) XXXX replacement cards were mailed to my home address on XX/XX/2024. The order numbers for the XXXX replacement cards were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX replacement cards can not be used until they are first activated by XXXX. I called XXXX XXXX XXXX on XX/XX/2024 to activate the NEW cards but was told by XXXX XXXX XXXX that the NEW cards could not be activated until I provided information about the OLD cards, that were already replaced. THIS IS UNREASONABLE. I already provided XXXX with this information about the XXXX cards on my call on XX/XX/2024.
Product: Credit reporting

Student loan information entered twice ( same loan amount and acct number listed 2 times ) on list of owed liabilities on my credit report.
Product: Credit reporting or other personal consumer reports

Account report late and past due XX/XX/year>2024 Account is current and never past due. Per code 15USC1681 creditors are not to report inaccurate information and I demand this removal immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block, inc. ) due to no customer service which violates the Consumer Financial protection act ( CFPA ) cashapp continually failed to help prevent fraud on there platform making my account a victim of getting scammed then closed my account with my money on there they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( ETFA ) and Regulation E. these actions have caused financial loss and im seeking actions these violations
Product: Credit card or prepaid card

I paid my credit card off in full in XXXX, I charged something less than 35 % of my limit. In XXXX I get a letter saying that my credit limit has been decreased from {$2500.00} to {$800.00}. I have payed this card off several times when the bill was due with only two late payments. I called Elan financial and they said they would have to check my credit which of course now is going to look worse because of the credit decrease from them and now my utilization is higher. After speaking with them they said they would have to do a hard credit check to increase. I am not late and my next payment is not due until XXXX.
Product: Debt collection

i took a title loan again my XXXX XXXX XXXXXXXXback XX/XX/XXXX couple months into the loan i lost my job and wasnt able to pay on the due date. i contacted the costumer service number informed them they told me to pay by a certain date i believe 2 wks from past due. which my mom let me borrow and i paid. mean while they repossessed the car with out notice. then shipped the car from the tow to XXXX XXXX with no notice. when i found out my car was towed or repo, i called police to figure out if stolen or not. but once i found the lot they had my belongings in a bag and charged me {$300.00} to get which i did. i then called the XXXX lot where my car was, they didnt have records of my car being there and would contact me back. mean while there collections dept. was telling me to continue to make payments to them even tho no one could state where my car was. i refused to pay. later i get ahold of customer service ( who is very rude ) they told me the auction and sold my car. i was very upset, i inherited the car after my fathers passing. fast forward, i am requesting documents of the sell and see the total balance after deduction of the sell of my XXXX which was valued XXXX XXXX XXXX $ XXXX. they never sent or replied to my calls XXXX therefore i took my lose and was waiting for the 7 years to past. now when i disputed the total charges on what i owe with the credit agencies, it states i still owe the amount i originally borrowed which is impossible. i no longer want to communicate with the creditor they are rude. the 7 years should be up in XX/XX/XXXX. however, they are saying XXXX of XXXX which is incorrect as well. they are reporting false balances, if anything they owe me the difference of the sell of my car. when i took out the loan i had a XXXXXXXX XXXX, this was a predatorial loan. i still have the contract i signed if needed.
Product: Credit card or prepaid card

US bank sent a balance transfer check to XXXX XXXX per my request. Balance is on my us bank card and still on my XXXX XXXX card. Ive called each bank 3 times each and they say the other is responsible for researching. XXXX XXXX said US bank has to research bc they sent the check. Neither bank is helping me resolve and I am getting charged interest when I shouldnt be.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sold a brand new XXXX XXXX XXXX  XXXX XXXX on XXXX for {$1100.00}. The buyer used the payment processor PayPal. Exactly 30 days later on XX/XX/year> The buyer opened a chargeback with their Financial Institution PayPal Credit Synchrony Bank. Every time I contact PayPal they tell me the case is under review with the buyers financial institution. The reason the buyer opened the Chargeback was because they claimed the phone was not new as described because when they took the phone out of the box it was not fully charged. she claimed that I the seller must have resealed it in the box. I have the serial number for this device and can prove that it was brand new as the first time the phone was registered according to XXXX was XX/XX/year>. The same day the buyer received the phone. The buyer also left me a negative review on XXXX telling them something different saying she received the wrong device. This buyer has used consumer protection laws to scam me out of an expensive XXXX phone. I should at least get my phone back. They will not help or give me any information. My Social Security Number is XXXX. Paypal Case XXXX XXXX XXXX
Product: Student loan

I contacted American education services about my loan last night asking for a forbearance form because the payment for my loans I can not afford due to my XXXX XXXX XXXX being diagnosed with XXXX. They claimed they would send me my forms right away. I just received the form today, XX/XX/XXXX, which is when my loan payment is due. Like what the XXXX? This company does not care about anything but their money. This is why people should not go to college. Not only did they just send me my forms but they also send me an email two days ago saying my payment was due today. Why the XXXX arent I getting that email a week ahead of time??? Im starting to get so sick of this company.
Product: Credit reporting or other personal consumer reports

These are falsely reported debts on my credit report and need to be removed immediately. This is identity fraud. 

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: Money transfers

I attempted to send money to a friend using Paypal. Paypal states that there will be no fee for this service of sending money from one person to another. In addition, I was provided with a receipt showing the amount that I sent and that my friend would receive the same amount with no fee. However, when my friend received the money, a fee had been deducted, even though this was not disclosed at any point in the transaction. I attempted to contact Paypal to resolve this issue but only received an automated response with cut & paste listing of their fee policy. This policy again stated that there was no fee for transferring money between people, in contradiction to the company 's behavior.
Product: Debt collection

This has been reported on my XXXX for yrs as unpaid or paid, switching back and forth. The name of the company is XXXX XXXX XXXX XXXX but that changes all the time as well, or doesnt even have any info or name. I have disputed this account many times and asked for a debt verification proving this is my debt. I have never received any communication or response back. I believe this account is in violation of the HIPAA act of 1996 and any information they have received has been without my consent. That is why they have failed to respond back to all of my requests for proof this is mine!
Product: Credit reporting

I just spoke to XXXX XXXX, a supervisor, at XXXX XXXX XXXX. She is mailing me XXXX credit card statements for XXXX. According to her, the reporting of time-barred accounts is both Equifax 's and XXXX policy. She told me they will be mailed from Delaware. She also told me that of the XXXX credit reporting agencies ( they provided me information about ) on their XXXX XXXX XXXX letter, that only Equifax refused to remove it. Let me remind Equifax , the FRCA does not allow indefinite reporting of an account closed in XXXX regardless of whether it is positive or negative reporting. But, in this case this SOLE credit account is and was never owned by XXXX XXXX XXXX to begin with. This is fraudulent time-barred reporting. FCRA does not allow such reporting in XXXX for an account closed in XXXX. As the stand-alone outlier, among all XXXX agencies, it is pretty obvious that XXXX companies need to comport with FCRA. My recent Confirmation # XXXX still continues to show this time-barred account. This is illegal. I will be contacting the XXXX in Georgia, where Equifax mailed this report, and supply them with my documention to get this fraud investigated.
Product: Debt collection

XXXX was asked by phone to provide proof of debt from XXXX. XXXX did confirm with equipment was returned and no debt due. However XXXX when we ask them to provide details of alleged debt only sent a statement with an amount, no details as to what the alleged debt was associated with, fees, equipment or anything else. We told them this was not adequate but they continued collection attempts without providing details. We asked them to stop and they did not stop.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote a letter to Experian to investigate an old account, in the name of XXXXXXXX XXXX XXXX Account Number XXXX. The balance was reporting inaccurately so I sent them a letter requesting a verification. As a consumer I have done my research and know that they have 30 days to complete an investigation and respond to me from the time the dispute was received. Well today marks over 60 days of no response at all in regard to my dispute. I haven't even gotten a notice stating that there was an investigation in progress. This leads me to believe that they were unable to complete an investigation into this account and therefore the account must be removed. I have read of on the law that consumer bureaus are held to and right now they have racked up several violations!
Product: Mortgage

Requesting payoff balances from JP Morgan Chase on a XXXX Mortgage and a XXXX Mortgage. The loans are residential and not a short sale. The Home is part of an Estate Chase will not provide the payoff balances to escrow. Our Attorney who handled the estate faxed to Chase the death Certificate and the superior court letter appointing the executor of the estate. Chase said have her call she called they would not talk to her without the same paperwork. ( Death Certificate and Court Letter appointing the Executor ). Faxed a second time got a file or ticket number. Executor called again they said they did not have the documents again refused to talk with her again and requested the documents again. Escrow and the Estate Attorney and the real estate broker faxed the documents again and got ticket numbers. Executor has been calling and escrow has been requesting the payoffs for over a week and still no payoffs have been provided..
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor 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 XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

XX/XX/XXXX Convergent Outsourcing ( CO ) reported on my credit reports under their own name a balance due of {$1200.00} in violation of 209 CMR 18.17 ( 11 ) which clearly states a debt collector may not report under their own name on a MA resident report. 
XX/XX/XXXX I sent CO a XXXX Demand via certified mail informing them of their illegal reporting. I also included a validation of debt request as the original account was not mine and informed them of their failure to inform me of my rights. CO legally had 5 days to provide validation and 30 days to remove the listing from my record. 
XX/XX/XXXX CO failed to reply in anyway. I sent them a second notice 93A Demand via certified mail. 
XX/XX/XXXX CO removed their listing from my report and agreed to cease collections. 
XX/XX/XXXX CO sold this falsified claim for profit to a company called XXXX XXXX XXXX. I sent XXXX a 93A Demand informing them the account was fraudulent. They closed the account. 
XX/XX/XXXX CO took the account again and sold it again, for profit, to a company called XXXX XXXX XXXX. I sent XXXX  a 93A Demand - they agreed to cease collections. 
XX/XX/XXXX CO took the account and changed (! ) the account number claiming it was new. They reported the listing on my credit reports and continued to attempt to collect. 

XX/XX/XXXX I sent CO another 93A Demand again informing them of their illegal attempts to collect on a fraudulent account. They failed to reply in anyway. They failed to remove their listing from my reports. 

CO is in violations of all laws listed below : MA General laws : 209 CMR 18.17 ( 11 ) Unfair Practices, 940 CMR 7.07 ( 15 ) and ( 21 ) Deceptive Acts and Practices MGL Chapter 106 *CC 9-405 ( c ) Failure to furnish reasonable proof of assignment 940 CMR 7.08 Failure to provide validation of debt in required federal and state timeframe 940 CMR 7.08 ( 1 ) and ( 2 ) Failure to provide ANY validation of debt
Product: Debt collection

Just received a letter from court, the debt was closed by the company. It has been harassing since XXXX. 10 years this is Harassment to the fullest extent
Product: Credit reporting

If all the dispute have been settled! Who is responsible for correcting my credit score?
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( XXXX ***** Opened date : XX/XX/17 Balance {$0.00} ) This particular account is undoubtedly placed as a charged-off account. The balance was already zero yet the account was still reporting. Please furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum
Product: Student loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 day late as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

I applied for numerous loan modifications with my former servicer XXXX who has failed to provide me with timely decisions on my loan modifications and practiced in Dual Tracking. 
My last loan modification was submitted to XXXX in XXXX 2016, to date, I have not received a decision from XXXX. However, absent of a decision XXXX filed a Notice of XXXX which recorded on XXXX/XXXX/2016, to further cause harm to my family, my loan was transfer to Ditech on XXXX XXXX, 2016, still without a decision on my loan modification. In a letter dated XXXX XXXX, 2016 from Ditech we received a Welcome letter. I called everyday to Ditech to see if they had my loan modification from XXXX. Ditech said they were missing some information I ask what? I informed Ditech that XXXX had received all of our financial information, the application, and bank statements P & L and proof of residency had been provided to XXXX. Ditech wanted us to begin again with everything and all documents, they were never able to provide the list of missing items and dismissed all of our request out of hand.
Product: Credit reporting or other personal consumer reports

XXXX XXXX of Texas XX/XX/year> XXXX XXXX Cars XX/XX/year> XXXX  XX/XX/year> XXXX  XXXX Via XX/XX/year> XXXX XXXX Service XX/XX/year> XXXX XXXX Acceptance XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : REMOVE INACCURATE CREDIT INFORMATION I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 



XXXX Inquiry date : XX/XX/2019 XXXX XXXX  XXXX  XXXX Inquiry date : XX/XX/2019 XXXX XXXX Inquiry date : XX/XX/2019 XXXX  XXXX XXXX  Inquiry date : XX/XX/2019 XXXX  XXXX XXXX  Inquiry date : XX/XX/2019 XXXX  XXXX  Inquiry date : XX/XX/2019 XXXX  XXXX XXXX  XXXX  Inquiry date : XX/XX/2019 XXXX XXXX XXXX Inquiry date : XX/XX/2019 XX/XX/XXXX
Product: Consumer Loan

I applied for a refinance of my federal student loans with Citizens Bank. As part of this process, I provided statements from the respective current loan holders. After review, I was told that I was declined due to " the borrower has not yet made the minimum number of required payments ''. The letter did not specify anything further. My wife, who was a cosigner for this application, called Citizens Bank. Initially they refused to speak with her, despite having cosigned, stating that she was not authorized. Eventually they proceeded with the call, but the representative claimed I was declined for the refinance due to being on Income Based Repayment, and specifically because this is in regards to federal student loans. This agent also claimed that it would n't be enough to pay extra, but that I would have to have IBR removed from the account and make standard repayment installments for XXXX consecutive months. When asked, the representative claimed this was some part of " fair lending '' regulations, but did not provide specifics. They also claimed this contingency is part of the disclaimers or FAQs on their website. When I searched for this item, the most detail provided is " You must have made at least XXXX XXXX XXXX XXXX full on-time payments on all the loans you wish to refinance and may need to provide proof of graduation. '' There is no indication or mention of IBR being an issue, and " full, on-time payments '' does not indicate it must be under standard repayment terms. Further, it is my understanding that IBR requires a customer to be current to be able to qualify for IBR, but regardless, Citizens did not cite any issues with my Credit Bureau Report affecting the decision. Additionally, my wife, who applied for her own refinance with Citizens just weeks prior, is also on IBR arrangements, but was approved for a refinance. When asked, the representative at Citizens told her that she was approved in part because her loans are private student loans. Finally, there is no evidence that my application was declined for any income or debt based reasons.