23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Experian publishes False statements about the Law and the legal system ( workers ) run with it. The banks do not mind. This put a lot of people into situations where under pressure they agree to contracts in courtrooms, which are invalid. 

Because Experian and the Banks are misrepresenting the law. 

Example. 
XXXX " difference between write off and charge off '' The first link gets it right " A write-off means your creditor has forgiven your debt, and you no longer owe any balance to them. A charge-off, on the other hand, is bad news '' The third link gets it right " A charge-off and a write-off sound like two ways of saying the same thing, but they're actually two very different things. '' The second link, Experian, gets it wrong " Charged off and written off mean the same thing. '' Nowhere in the Civil Code does it say that a write off and a charge off are the same thing. 

And yet banks, like XXXX and Credit Bureaus, run with it. 
They write off debts, on paper, collect tax breaks because these are now losses on there XXXX which they file with the SEC but then they hire private contractors stating that the accounts have been charged off. 

When in reality they were written off. But they charge them off as well, to collect even more money because they're entitled to double dip and invent the law and intimidate people who are vulnerable. 

This is a racket. 
An account can not be written off and charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries that I did not give consent to run my credit. lease remove them from my credit report. I have no knowledge of these inquiries and there is not account attached to them. Equifax is stating that " inquiries are a factual record of file. How are these inquiries factual when I have contacted the creditors and the creditors have no account. Furthermore, they have no knowledge of me doing business with them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 card or prepaid card

In XX/XX/XXXX I made a large purchase ( {$21000.00} ) split across three different credit cards with XXXX, XXXX, and Capital One. 

XXXX : XX/XX/XXXX - {$1400.00} - XXXX XXXX XXXX XXXX XXXX TN XX/XX/XXXX - {$4200.00} - XXXX XXXX XXXX  -Documents and information submitted to XXXX XXXX no action performed. 

Capital One : XX/XX/XXXX - {$5000.00} - XXXX XXXX XX/XX/XXXX - {$5000.00} - XXXX XXXX -Documents and information submitted to Capital One, no action performed. 

XXXX : XX/XX/XXXX - {$5000.00} - XXXXXXXX XXXX XXXXXX/XX/XXXX - {$300.00} - XXXX XXXX The purchase was a scam, but I was not made aware until XX/XX/XXXX. The Federal Trade Commission ( FTC ) put out a statement confirming it was a scam, and after speaking with the case representatives, I was told the Creditors/Credit Card companies should take the information from the FTC and remove or waive the debt related to these transactions. 

I contacted each creditor ( XXXX, XXXX, Capital One ) multiple times, with many phone calls trying to talk to someone that could help me. 

-- XXXX offered no help, and after performing an investigation, I was sent a letter of the results. The investigation results that XXXX did was : " Transaction from XX/XX/XXXX for {$0.00} '' It feels like they did not even care. 

-- Capital one shortly removed the transactions from my account, and then put the transactions back with no explanation. 

-- XXXX removed the transaction, and then put the transaction back, stating " The merchant refused to refund the purchase. We are not a law enforcement agency, and we can not do anything else. '' I provided the full legal documents from the settlement by the FTC and none of the three creditors could assist me. I am now being told my account will be closed, and the debt will be considered 'bad debt '.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the investigation request I sent to Equifax on XX/XX/XXXX. They are supposed to respond within 30 days. Over 45 days have passed, and I have yet to receive my results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account 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 request, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

I began the process of requesting funds on XX/XX/2023 and was told that I would receive the funds into my bank account in no later than 5 business days. That did not happen. A few days later, I received electronic confirmation of a loan application in a wrong version of my name that I did not apply for. I have followed up with the company several times requesting my funding and they always give me steps, that I follow, but to no avail. Each time the processing time changes ( 5-8 business days, 7-10 business days, 3-5 business days, etc ). Finally, I asked that they close the account and send the funds. They agreed, however I have still not received my funds and am being told to follow additional steps because of an issue with my bank. I contacted my bank, and they said there is no issue on their end.
Product: Credit card or prepaid card

Original letter of dispute sent certified mail to XXXX XXXX XXXX dated XX/XX/XXXX and signed for on XX/XX/XXXX. XXXX XXXX XXXX failed to notify all three credit bureaus to place a notice of dispute on my account within 30 days of my dispute. XXXX XXXX XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Product: Debt collection

Certified debt validation letter mailed to Khols Department Store on XX/XX/2020 for a debt in the amount of {$520.00} I have not received a response to validate this debt.
Product: Vehicle loan or lease

My daughter was in a total loss collision accident on XX/XX/XXXX. The insurance coverage provided by XXXX was swift and efficient as they issued insurance check to XXXX Chase Finance on XX/XX/XXXX for {$18000.00} for full payoff of lease balance of approximately {$16000.00}. I still have not received check from Chase Fonance as of XX/XX/XXXX despite several phone calls to them. I was informed that they need more time to confirm amount of check is correct. What could they possibly need to confirm since the money was from XXXX and not Chase?? Furthmore, upon receipt of check from XXXX, Chase Finance deleted access to all my information online, including payment activity, statements, account numbers, etc. my check should have been issued long ago and my account information should not have been deleted. They need to place my information back online, issue me my check, and add interest to the time they have had access to my funds. They have clearly, deliberately and unlawfully held my money.
Product: Credit reporting or other personal consumer reports

the company sent a letter to me stating the information is correct without sending me evidence
Product: Checking or savings account

For many years Wells Fargo over charged my accounts excessive overdraft and bounce checks fees.
Product: Checking or savings account

I contacted Suntrust, which is now truist back in XXXX about fraudulent activity involving XXXX purchases, I never made. My case ID was XXXX. I was later told my claim was denied and my account was closed shortly there after. They say one has nothing to do with the other, but its there bank and they can close an account at their discretion. Fine. However, I have been fighting for going on XXXX years with XXXX to retrieve my funds back. I filed an FTC report, XXXX report, etc. finally as of Friday, XX/XX/XXXX, of XXXX, an XXXX corporate office representative called me and expressed their remorse, they looked into everything and said, they would be more than happy to return my funds, however, they never received a chargeback request from Suntrust now truist. Thats right for 2 years I have been in the battlefield fighting to get my funds back from XXXX, and my bank at the time, NEVER even sent a chargeback request to XXXX on my behalf. Furthermore, the agent verified that the address the items were being sent to, was different than my address I gave. The agent said their was very little they could do, without receiving something from my bank at the time SUNTRUST ( XXXX ). I worked my butt off for my money and Suntrust did an independent investigation, and not once did they request anything from XXXX, or request a chargeback. The XXXX agent said they cant just issue any refunds because it has to come from the bank, and i definitely understand that. This entire time Suntrust had me thinking XXXX denied my chargeback. Ive spent XXXX years learning and understanding the banking system, just to figure out how to retrieve my hard earned funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2020 to present I've submitted disputes to Commenity Bank and XXXX regarding my Victoria Secret Account reporting past due for the month of XX/XX/2020. Commenity provided me with a letter dated XX/XX/2020 that they was removing the last reporting and contacting the three credit bureau. See letter attached. When closing on my home, I was unable to close and lost monies because XXXX XXXX who confirms they received the letter stated the last four digits of the account number was no the same on the report. I submitted the dispute and they indicate that Commenity Bank never responded to the dispute. It is my understanding that if no response is made within the 30 days then it should automatically be removed. XXXX XXXX is stating this is incorrect. 

I contacted Commenity Bank and explained that the letter had a different account number. According to Commenity Bank, new account numbers were sent to cardholder once they took over and the account number should not matter because the old account number is linked with the new account. Old account number XXXX and new account number is XXXX None of this is making sense, but I know that I've lost my deposit for closing due to no one complying with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act ... the account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX/XXXX  XXXX  XXXX  XXXX section 602 A, right to privacy 15 USC 1681 604 A section 2, a consumer reporting agency can not furnish an account without my written instructions
Product: Vehicle loan or lease

I have paid {$14000.00} in payments over the last two years towards a XXXX truck purchased from Regional Acceptance two years ago, and have never missed a payment. The original loan was for {$25000.00}. I requested payoff information in order to sell the vehicle two days ago, and I was told the payoff amount is over {$28000.00}. The employee was belligerent and threatening. I was told there was no penalty for early payoff or selling my vehicle. I have requested statements, which they refuse to produce. There is absolutely no way after paying over 59 % of this loan off in two years, can I possibly owe 112 % of the original loan amount. Ive now researched this company, and this appears to be their typical unethical practices. The company also told me I could take the truck, while they finalized the paperwork, and then called me later and jacked the interest rate up to over 40 %, and was told if I didnt miss any payments in a year, they would refinance for under 20 %, which is still ridiculously high. This is not legal financial practice. I request the proper amount that I have paid deducted from my loan, complete statements for all payments, and the paperwork requested to be able to sell this vehicle.
Product: Student loan

Hello - I previously attempted to pay off my student loans in full on XXXX. Aidvantage failed to process the payment XXXX separate times, eventually requiring me to transfer my funds to another bank in order to finally complete the transaction on XX/XX/10. During the XXXX timeframe, additional interest accrued on my account which was due to technical issues cause by Aidvantage. 

My payment on XX/XX/10 was for the amount I attempted to pay on XXXX ( {$61000.00} ), the remaining balance in my account is the aforementioned accrued interest due to Aidvantage 's technical issue. I would like that amount due erased from my account and my loans being designated as officially paid in full. 

Please contact me at the following there are any additional questions : XXXX ( XXXX ) XXXX Thank you in advance for the help, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2022 To Whom It May Concern : This is a follow up to previous dispute of the unverified negative items on my credit report. On XX/XX/2022, I mailed you a letter disputing ( 10 ) accounts as fraud, as certified mail with return receipt requested. I received notification that you had received the dispute letter in the mail on XX/XX/XXXX. I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed. 

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter Outlining the disputed accounts.

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ). 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required Thank you in advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/2023 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Mortgage

My loan was transferred to Rushmore loan management service XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX. 

I sent 2 wire transfers prior to the last day of the Payoff estimate date. 
They held my XXXX  and did not apply the money to the loan and refused to send me the release of lien/reconveyance deed or notice of reconveyance.
Product: Credit card or prepaid card

This complaints goes back to XX/XX/2019 when I disputed a charge of {$1500.00} made by XXXX XXXX XXXX in XXXX XXXX, New Jersey for their incomplete work done on the XXXX XXXX XXXX  in my XXXX. My credit card company refused to honor it claiming I needed third party verification even though my car was returned the second time. I have been in touch with their corporate office who claimed their workmanship and repairs are guaranteed for 24 months. In any event they charged back the {$1500.00} which is still in dispute in the court. In the interim this card company has been unconscienable. They not only have ruin my outstanding credit record of over 50 years, they are taking the money that I sent them for my initial purchases which amounted to {$330.00}. Instead of giving me credit for these payment, for the last 12 months they have been charging me late fees of {$39.00}. My account due as of XX/XX/XXXX, went from {$1800.00} to {$2200.00}. When I realized what they were doing, I stopped making payments.
Product: Student loan

I have been in school less than full time and was paying out of pocket for classes. At that time in my life, I could not enroll in full time due to life circumstances. Every time Sallie Mae offered me the lowest payment possible, I could not afford it so I did not agree to any payment plans. I was not able to make payments due to severe life changing events. I was told if I enrolled in school full time the loan would go into forbearance. I had my school send Sallie Mae my registration information. At that time, my school hours were less than full time. My plan was to take full time hours the next term which started in XXXX. I ended up agreeing to The Step Up Plan of {$140.00} in XX/XX/XXXX. A payment was made on XX/XX/XXXX for {$140.00} XX/XX/XXXX for {$140.00} A partial payment for XXXX was made on XX/XX/XXXX for {$10.00}. 
I called and canceled the payment for the month of XXXX due to having a major XXXX. Unfortunately I was unable to work for XXXX weeks. My plan was to resume payments if I did not enroll in classes full time. 
I received a call from Sallie Mae stating to call them by the end of that business day or my account would go into collections. That was very unprofessional and did not allow me time to respond. 
I enrolled in classes in XXXX full time. My account was sent to a collections agency in XXXX. Sallie Mae did not check Clearinghouse to see my enrollment status. I was sent into collections while enrolled fulltime. How could this happen? Sallie Mae would not speak to me once the account was charged off. This experience with Sallie Mae has been frustrating and I would not recommend them if this is their routine practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive written numerous letters to each bureau, ( XXXX, XXXX, Transunion ), explaining to them who I was and that the reporting being done on my credit is inaccurate and inconsistent. Numerous phone calls to each bureau speaking with different people and nothing has been done to fix the problems. XXXX has informed me that my information, name/identity, was one of the millions of individuals who was hacked and they were trying to get it right. But then it happened again!!! My credit has been hacked TWICE!!!
Product: Debt collection

i HAVE MAILED REQUESTS FOR VALIDATION AND NO RESPONSE WITH THE 30 DAYS PERMITTED.
Product: Credit card or prepaid card

TODAY, XX/XX/2018, I CALLED CUSTOMER SERVICE OF BANK OF AMERICA. I WAITED MORE THAN 45 MINS, & THEN XXXX XXXX CAME ON PHONE. SHE DROPPED MY CALL. CUSTOMER SERVICE OF THIS BANK IS HORRIBLE. STAFF OF BANK OF AMERICA DO NOT HAVE ANY RESPECT FOR CUSTOMER.THEY TREATS CUSTOMER LIKE A DIRT. I WAS VERY MUCH FRUSTRATE WITH CUSTOMER SERVICE OF THIS BANK.
Product: Student loan

On multiple occasions since the beginning of the year I have asked Nelnet, my student loan servicer, to send me copies of my monthly statements from XXXX XXXX to XXXX XXXX. Several times I was promised the statements but never received them, while on other occasions I was told that retrieving statements more than 12 months in the past was not possible. Nelnet states that all this data is purged from the system after 12 months time. 

With a loan balance of {$120000.00} it seems highly unlikely that the company does not have records of my monthly statements going back farther than 12 months. I require these statements in order to verify that my student loan has been serviced correctly and that the amounts added as interest or capitalized to principal are correct. So far, the company has refused to cooperate. 

Any large financial institution handling loans of this size : credit cards companies, banks, brokerage firms, all have the ability to locate statements going back several years. They are sometimes archived, but they are never deleted. If true, it is highly irresponsible of Nelnet to delete these statements when storage data these days is so inexpensive. 

Since it seems highly improbable that these statements are no longer in their possession, I am writing to the CFPB to assist me in compelling Nelnet to retrieve these statements from their archives and to send them to me by mail or email. If they truly have deleted these statements as they claim, I would like them to recreate the information as one would see it on a monthly statement, and send me the results. Given the amount of this loan, it is unreasonable that Nelnet is refusing to comply with such a simple request.