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

I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. However, it has been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

PNC BANK CARD SERVICES PNC Bank Card Services was tasked with validating the records associated with this account but failed to do so. The requested information included : A copy of the agreement granting authority to collect on this alleged debt.

A signed agreement where I explicitly agreed to pay the creditor.

Details of any insurance claims filed by the creditor regarding this account.

Documentation of any judgments obtained by the creditor related to this account.

The name and address of the alleged creditor.

The name associated with the alleged debtor.

The alleged account number.

The address on file for the alleged debtor.

The total amount of the alleged debt.

The date the alleged debt became payable.

The date of the original charge-off or delinquency.

Verification that the debt was assigned or sold to the collector.

A complete accounting of the alleged debt.

Details of the commission the debt collector would earn if collection efforts succeeded.

The method used to verify and validate this information.

None of this information was provided. Additionally, PNC Bank Card Services manipulated data originally present in my file. The attached documents show that the initial account was linked to " XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. '' After this information was confirmed to be fraudulent, PNC Bank Card Services altered the document file to " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. '' This missing information, combined with the deliberate manipulation of my consumer data for corporate benefit, constitutes violations of the Fair Credit Reporting Act ( FCRA ) and consumer rights laws, specifically 611 ( 15 U.S.C. 1681i ), which pertains to the treatment of inaccurate or unverifiable information.

Because the information required for account accuracy validation has been manipulated and is, therefore, invalid, PNC Bank Card Services is obligated to delete the account and any related connections to my personal information.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I had 7 different companies on the same day that pulled my credit report without my knowledge and consent. These are the following companies. 

American Credit Acceptance 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

I sent a letter on XX/XX/22 to Experian and XXXXXXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous CXXXX 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 XXXXXXXX Balance XXXX {$0.00}
Product: Debt collection

My student loans are being managed by Navient and several times I have communicated with Navient that I will not pay on private student loans that were attached to my Federal Student Loan package by XXXX XXXX. Navient refuses to respond to my efforts to communicate and on XX/XX/XXXX, attempted to withdraw over {$2000.00} from my checking account. There are a couple of problems with this : 1 ) I never provided Navient with my banking information and if I did, I never authorized Navient to withdraw any funds from my account. 
2 ) When I logged on to Navient for the purpose of determining what the problem was, I found that Navient and enabled the " Automatic Withdrawal '' option without my consent. 

I immediately contacted Navient again and explained that I will not pay for loans that I did not consent to and which were tacked onto my Federal package without my knowledge. These loans are very high in interest and I am aware of the dangers of applying for private loans which is why I never would have allowed this if I had known about it. I am annoyed by the fact that XXXX XXXX added these loans to my package without my consent and that Navient continues to try and collect on them despite the fact that XXXX XXXX has since then lost their accredidation due to unlawful practices which further validates my reason for refusing to pay on these loans. 

As a means of further protecting myself, I have instructed my bank to block any and all attempts from Navient to withdraw funds and I deleted my banking information from my profile on the Navient website. However, given the fact that Navient obviously feels that they have the right to attempt to take money from my account without my permission, I'm sure they will try to figure out how to do this in the future. 

Please advise me on my best course of action regarding this matter. I have not problem with the loans I approved ( Federal ), but do not feel that I should be forced to pay for loans that were hidden in my Federal Student Loan package by a company that was abusing the system and taking advantage of their students. 

Thank you,
Product: Student loan

In XXXX, I started the application process for the Teacher Loan Forgiveness with Great Lakes.  From that time on, they sat on the paperwork and did not tell me of any issues timely or process.  Then, they said it was just all illegible.  Then, I resent the paperwork and they said there was a section that was completed incorrectly even though it was completed as requested.  Although I applied just for Teacher Loan Forgiveness and repeatedly notified Great Lakes that I did not want to go into forbearance as I just wanted to continue to pay my loans at the same amount under the same payment structure I agreed to at the time of graduation in the exit counseling and just have the Teacher Forgiveness portion of $XXXX applied toward principal when received, they continued to put my loan on three occasions into loan Forgiveness although both in writing and over the phone to several supervisors including XXXX, I specifically told I did not want this to happen and explained as above what I did what to happen as far as application to principal when received and continuing same payments schedule.  After numerous calls, many recorded, complaints filed with the company in writing and written email message correspondence over the past 7 months, the forgiveness was finally applied in XXXX.  However, they lowered my payment schedule and changed the payment date which was not what was requested.  On XXXX, XXXX   I sent another email and complaint to the company and then they did something to my account where instead of an approximately $XXXX   balance, it is showing $XXXX balance and $XXXX past due although I have never been past due on an account EVER!  I can attach a copy if you need it.  Upon seeing this last night, I called and spoke to XXXX, a supervisor, who just continued to tell me that my account had been flagged for a routine account review and this whole situation had nothing to do with that review and that his system was not showing me delinquent although it was all over their website that I was and needed to make a payment IMMEDIATELY!
Product: Debt collection

A company notified my employer in attempt to collect a debt. I was never contacted or given an opportunity to dispute the claim or ever served with the with the summons. They presented it to my employer 7 years later. The debt is also in someone else 's name.
Product: Credit card or prepaid card

I have been locked out of my credit card account by the company due to security check for an unidentified reason. There was no fraudulent charges and hardly any charges on the account. I am unable to reset password online and they refuse to do verification/security check over the phone, yet they are happy to take a payment over the phone with no security check. I have no access to the account nor am I receiving monthly statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date in question is XX/XX/2019. Company involved is Credit Karma. Attempts to contact them unsuccessful due to the fact there is absolutely no way to reach any customer service representative. I received an alert by Credit Karma that my XXXX credit score had dropped by XXXX pts. This as a result of a " new chapter XXXX bankruptcy '' reported by my credit union. Also that my open XXXX loan was listed as closed. These 2 items are totally incorrect. Multiple items regarding supposed debts owed, incorrect. I contacted both my credit union & XXXX ( I filed a dispute ). Neither companies had any facts as described above. Advised by XXXX to file this complaint.
Product: Debt collection

: Notice for Proof of Claim Account : WAKEFIELD & ASSOCIATES  118486XXXX To Whom it may Concern: This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States (C) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements: “Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law”. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts(3) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692(g): Under the Law, FDCPA, Section 1692(g), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit card or prepaid card

I ordered a TV from XXXX using my Citi card on XX/XX/19. I attempted to cancel the TV less than 12 hours later on XX/XX/19. The total cost from XXXX was {$390.00}. 

I was told that there would possibly be a 15 % pre tax restocking fee if the TV had already shipped. It had not because I canceled less than 12 hours later. 

The most I expected to pay was 15 % of {$390.00} pre tax but did not even want to pay that. I ended up not even receiving the TV delivery and was charged the full price for the TV - {$390.00}. 

I disputed and redisputed this with Citi bank and they denied me. So now I have an outstanding balance of {$390.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a text from XXXX saying " WELLS FARGO FRAUD : Did You Attempt To Send Money With XXXX For {$3500.00} On XX/XX/XXXX. Reply YES or NO. MSG & Data Rates May Apply. '' I replied back " No '' and received this message " WELLS FARGO FRAUD : No Funds Have Been Taken From Your Account. A Representative Will Be Contacting You Shortly. '' I then got a call from XXXX ( the official Wells Fargo number ) and a man claimed to be a Wells Fargo employee. He said we had to walk through some steps to avoid the funds from being transferred from my account. 
He said my phone number had been added to an account with XXXX XXXX and asked me to give him a code that was texted to me. After that he told me to go to the XXXX XXXX and put in my own name and phone number to avoid the money from being sent to anyone else. After I did that and hit send he hung up. 
I've called Wella Fargo and submitted claims but they have told me there is nothing they can do to help me.
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 capital one 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 my 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 XX/XX/year>, and XX/XX/year> 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 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: Checking or savings account

On Monday, XX/XX/XXXX, a bank holiday, this writer, XXXX  % owner of XXXX XXXX XXXX XXXX XXXX, deposited a client 's check ( XXXX XXXX on XXXX XXXX XXXXXXXX ), made out to XXXX XXXX XXXX in the amount of XXXX in the Wells Fargo Bank ( WFB ) ATM, XXXX XXXX, XXXX XXXXXXXX XXXX. Expected funds should have been released but were withheld, and after a visit with a XXXX XXXXXXXX ( XXXX ) on XXXX XXXXXX/XX/XXXX. I was given no reason for not releasing the funds. 

On this date, XX/XX/XXXX, WFB released {XXXX of the XXXX deposited on XX/XX/XXXX. A message on the online WFB webpage advised that the remainder of the funds, XXXX, would not be released until XXXX  XX/XX/XXXX. The meeting at WFB, XXXX  XX/XX/XXXX with my complaint, had WFB release the remaining XXXX} this date, XX/XX/XXXX. However, fearful of checks not clearing the XXXX XXXX XXXX account, XXXX  was borrowed from the credit line. 

This is a blatant case of the bank stealing money from a long-time small business client, the subject account opened in XXXX. 

XXXX Wells Fargo Bank, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit bureaus obtained my XXXX XXXX filing with the courts with XXXX XXXX XXXX in XXXX VA without my knowledge or without consent of the courts. The courts advise they do not release any confidential information to any credit bureaus. I would like this information removed from all company 's records as it is causing issues with my current life status. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}, {$58.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$58.00} -This is not my account.
Product: Debt collection

A.R.S. 12-548 ( A ) ( 1 ) specifies a contract in writing that is executed in Arizona State.

Section 609 ( e ) ( 1 ) of Public Law 91-508, Fair Credit Reporting Act, strictly prohibits  reporting information for which there is no copy of application or substantiating signed document. 

As it stands, Wakefield & Associates are currently in violation of Section 621 ( a ) ( 2 ) ( A ) of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XXXX, I canceled my subscription to credit monitoring with Transunion, which was {$20.00} per month. In retaliation, Transunion reduced my credit score by 89 points, from XXXX on XX/XX/2018 to XXXX on XX/XX/2018. During this time, I had no inquiries or new accounts opened, the credit use percentage on my credit cards only fluctuated about 2 points, between 22 % and 24 %, and I actually paid down about {$40000.00} in long term debt. I contacted Transunion to discuss why they reduced my credit score by 89 points in 1 month, and they refused to talk with me. I contacted the dispute department, and they refused to file any dispute for me. Both departments I spoke with only gave me the option to reinstate the {$20.00} per month credit monitoring service, and only after paying for the service would they be willing to help me. This is blatant extortion and fraud on the part of Transunion, and clearly a violation of the FCRA.
Product: Vehicle loan or lease

I applied for a loan in 2016  for a used vehicle I begin paying payments back to one main financial but as the years passed I fell in to hardship so I couldn't continue to make payments so I filed for consolidation which ended up being a disaster at the beginning of last year I started receiving later saying my money will be garnished and that's what has been happening in trying to to figure out what will happen with my account and will I receive money back for the payments I made and the ones they garnished
Product: Credit reporting or other personal consumer reports

A fraudulent XXXX XXXX ( XXXX ) credit card account was opened in my name. I was notified of this activity on XXXX and contacted XXXX. They canceled the credit card and investigated the incident, as I had a hard credit pull on my account with Equifax. A few weeks later, XXXX completed their investigation and determined that this was a fraudulent transaction and issued a letter to Equifax to remove the credit inquiry from my credit file. 

I have opened a dispute with Equifax three times to remove this hard credit inquiry from my file and they refuse to remove it even after I attached the letter from XXXX confirming this was a fraudulent transaction.
Product: Mortgage

I tried to purchase a condo in XXXX XXXX south Carolina. The bank that I dealt with ( Home Bridge Financial Services ) waited until the day of closing to tell me that I could not rent this unit out so I had to get a different loan for 3 % higher than the XXXX they was already charging me. I had already paid out Earnest Money, Appraisal Fees, and Home inspection Fees. Costing me over {$2000.00} and lots of time. These financial institutions needs to be takin out of business.
Product: Credit reporting or other personal consumer reports

Equifax provides a 3rd party income and employment verification service referred to as The Work Number. As a consumer, I'm supposed to be able to request a copy of my report. In order to request the report, you have to first request access to the secure email portal by emailing XXXX No one has responded to my request.
Product: Credit reporting or other personal consumer reports

For YEARS I have been unable to get my report for Equifax from XXXX ; every time I attempt I get an error message stating " We've experienced an issue processing your request ''. They send verification codes to phone and email but still get error message. I have no issue with getting a XXXX or XXXX report. I have tried calling Equifax but as they outsource the reps are unable to understand the issue. I have created a XXXX account. Upon logging into that account I get an error message that can't provide me with my credit report " Unable to process request ''. When I then attempt to click on get assistance I got bumped out of account and any attempts to log back in is met with an error message " Please give us a call '' and therefore the cycle starts again. I am concerned not only as to why they WILL NOT PROVIDE me with a credit report when XXXX and XXXX seem not to have issue but also the fact that I recently opened a new credit card and when the provider sent me disclosures that they used Equifax and displayed my credit score the score is more than XXXX points lower than what XXXX and XXXX have for me so there is concern that there may be inaccurate information on my Equifax report.