23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

on XXXX I filed for a TD Bank secured credit card acct XXXX was closed within 2 years with no late payments being reported. 

on XXXX filed for another TD Bank secured credit card account under same account # XXXX. The problem was a class action law suit was filed and TD Bank staff opted me out and if I was oupted out how did I get a {$8.00} check? 

XXXX, while I was disputing with TD Bank staff on why my secured card was not eligible for graduation, and the XXXX lied to me that I was late a few times. And I pulled my credit report and it showed on all three accounts it shows no late payments reported. The settlement was being processed around that time. I should had received more than {$8.00}. NO I did not oupted out. 

Plus, I was still a TD Bank secured credit card holder. disputing with the bank. TD Bank discriminated against me, from not graduating my credit card and someone outing me out.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Credit card

Capital One closed XXXX of my credit card accounts which were all in good standing/ XXXX with XXXX balances. After condescendingly shuffling me from XXXX rep to next, they firmly stated there was nothing they could do and the card was closed for spending inconsistent to what 's expected. Seriously? I charged a XXXX item. They yanked XXXX in credit, which consequently destroyed my credit score by shattering my utilization! My score dropped nearly XXXX points. I was in the middle of applying for a refi on my house. Done. No one will even consider extending credit to me now thanks to this injustice! I asked them nicely if they could lower my interest rate since they destroyed any chances I will have at obtaining a consolidation loan. They denied this to me. I never once made a late payment to Capital One. They have destroyed my financial future by this unjustified action of which they treat me like a criminal over the phone. I am absolutely distraught over this. I recently changed careers due to health issues and this is further complicating my life!
Product: Debt collection

I paid my account off to IQ Data international XX/XX/21 for the balance of {$670.00}. The company marked my payment late as XX/XX/21
Product: Credit reporting or other personal consumer reports

XX/XX/year> - Source Receivable MNG ( {$320.00} ) reporting to all three agencies without my consent or acknowledgment. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$290.00} ) I have no knowledge of this account or its creditor XXXX XXXX XXXX XXXX XXXX {$1300.00} ) unfair practices on this account XXXX XXXX XXXX XXXX XXXX {$520.00} ) Inaccurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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: Mortgage

A Mortgage Servicing company paid a lien by the Homeowners Association an amount higher than what was negotiated with a Law Firm that I hired. Due to the years of errors and refusals to provide an accounting of the prior lien and now it appears another lien has been placed which has our family in turmoil. We hired a Law Firm that has failed to protect our interest. The Homeowners Association filed legal actions in two different counties against us and our property, which has caused a lot of confusion. On many occasions we have requested to resolved this matter amicably and lost out on an opportunity to refinance our home when interest rates were lower. Our family has been damaged financially and emotionally for years and feel the fraud, deceptive practices must me addressed forthwith. The HOA never provided a payoff to our lender that was going to pay the settlement amount. 

Documents to support our position is available and will be provided upon request
Product: Debt collection

In XXXX, i cancelled my account due to moving back to XXXX XXXX for 6 months. 
So i made sure i do not owe them anything before i close my account. I called them to make sure to close my account when i left. 

In XXXX, i found out that they charged me till XXXX which i cancelled already. So i contacted XXXX but my account was closed. I was not able to login since it was closed so i sent them an email stop charging me the service that i do not use and the account that they already closed. 

And today, i got a call from debt collector that i owe them XXXX dollars which does not make sense. 

So i contacted XXXX and they knew it was their mistake but they already sold this case to a debt collector so they cant do anything. 

I never used any service between XX/XX/XXXX- XX/XX/XXXX and i was not even in a country. I called several times to make sure my account is closed and they closed it since i was not able to login to my account at all. 

I would like to make sure this debt that i do not owe affect my credit and i will not pay a dime for service that i did not used and caused because of company 's fault. 
Please help me out!
Product: Credit reporting or other personal consumer reports

I understand that I can opt out of the sale of my personal and private info by Experian if I request so before XX/XX/year>, which I tried to do. In my other complained # XXXX I explained that Experian is hiding behind their website and makes no human available for assistance with trouble accessing an account. I can not log in to my existing account, reset my password, create a new login, get help, call an Experian person for help, I can't reach anyone, there is no email, and all their phone numbers point you to their website which provides no help and nothing works. I've sent an email demanding to opt out of the sale of all my personal data, but I don't believe they will honor that, and I have not received any response. I don't know if this is the correct email to use, they don't give any hints or instructions and they can't be reached. So if this isn't the right email to make this request, I need the correct one BEFORE XX/XX/XXXX, no games here. I REQUEST TO OPT OUT!!! 

I try to guess email addresses to use to reach someone, and all of them are invalid. They have no way to be reached. How is this allowed??? Please see the email I sent them, and how I keep trying to reach them. Just try to reach them yourself and see how it goes. Just try to get a human on the phone. If you succeed, then please call me and tell me how you did it, because none of us peons can.
Product: Debt collection

This is a formal complaint against LVNV Funding located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, LVNV Funding has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Student loan

On XX/XX/2023 I submitted a payment of {$3600.00} to the collection agency XXXX XXXX XXXX XXXXXXXX in order to settle the debt. Since this has been done I have received a new bill from AES Success for the debt, however there is now interest on the amount owed when I had 0 % interest from the collection agency.
Product: Debt collection

In XX/XX/2022, I identified the collection on my credit report, and call the number listed to settle the debt, I was told by the agent that they would accept a " Pay for Delete '' for the settlement amount. 

I followed up with a payment on XX/XX/2022 via phone with a debt card. However, since then I have been told by Convergent Outsourcing that they do not offer " Pay for Delete '' per the original creditor, XXXX. I have called back in XX/XX/XXXX & XX/XX/2022 to dispute with no success, Convergent says their recordings don't go back that far. 

I have since filed a complaint with my attorney general, XXXX XXXX in the state of Texas and sent via certified mail with a return receipt advising Convergent Outsourcing & XXXX that they are violating my rights under the Fair Credit & Reporting Act ( FCRA ), by engaging in deceptive practices.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : 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 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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: Debt collection

I have been contacting this company in efforts to solve a issue regarding a balance they say I allegedly owe. This company has not done proper investigation with the creditor that they are reporting for. I do n't owe anything to this company. The information they have is incorrect. I have disputed with the credit agency as well as contact the original creditor and they could n't even find the file. I have contacted the company by phone and the representatives there are really nasty. I have rights under Federal Credit Reporting Agency and upon this investigation I will take it further if my issue is not resolved.
Product: Debt collection

The debt isnt mine and has been placed in collections on my credit report.The company refuses to remove the account placed on my credit report and i would like the collections removed .All debt is already paid so therefore no debt will be tendered.HJR 192 All Bills Are Prepaid sand obligated by the Government,15 U.S.Code 1605 - finance charge defined and what is all included.16 C.F.R. 433.1 ( d ) - purchase money loan. 
Company got a cash advance for using my social or credit card.15 U.S. Code 1662 ( b ) -mixing cash with consumer credit transaction.UCC 1-308 All Rights Reserved 15 USC 1681 Consumer Protection.15JUS1602G We are the Creditors,95 USC 1666B No such thing as a Late Payment. 
FCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) a
Product: Debt collection

Constant calls, usually 3 to 5 a day. Regularly violates the 7 in 7 rule. Called my coworkers phone asking for me. One employee I spoke to said like, I just dont understand why you cant pay right now after telling her my first child was just born.
Product: Debt collection

TransUnion, XXXX XXXX XXXX Collection agencies showing that I owe a debt/collection. They must remove the collection out of my records, I do not owe this amount and have never opened any accounts with XXXX XXXX. My Social Security and other personal information were leaked on the dark web in XX/XX/2021 resulting me in having FRAUDULENT activities on my credit. I have placed freeze and locks on my accounts, I also placed Fraud Alert, regardless of that thieves are still able to open fraudulent accounts in my name. This one is the result of identity theft. 
XXXX had removed it from my records, however, Transunion and XXXX did not want to remove it, saying it is accurate!
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXXXXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXXXXXX XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX  XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

My spouse and I both have student loans that are serviced by Navient. I co-signed for my spouse 's loans. My spouse is an XXXX XXXX XXXX who had a portion of his loans repaid pursuant to the XXXX loan repayment program. In XXXX XXXX, Navient misapplied a payment received from XXXX and mistakenly paid down my loans instead of my spouse 's loans. The mistake was discovered in XXXX XXXX. To correct the error, Navient removed the XXXX {$30000.00} payment that was applied to three of my loans. It has not yet credited my spouse with the {$30000.00}. The issue I have is that Navient has now put me in a delinquent status ( having allegedly missed 33 payments even though no payments were due XXXX. They " may '' have assessed late fees against my account dating back to XXXX, and have also assessed interest dating back to XXXX. That is not right. Navient made the mistake in XXXX, and now they are asking me to pay for it. Had they not made the mistake, I would have been making payments and paying off the principal and interest. My account history for the loans shows no activity between the time the XXXX payment was misapplied and now, so I have no idea what their reasoning and legal authority is for placing the financial burden of their mistake on me. I am assuming Navient will reapply the {$30000.00} it received from XXXX in XXXX to my spouse 's account, but I question the manner in which they will do it. They should back date the payment to XXXX and only charge interest going forward from now for the corrected balance, but we will see.
Product: Debt collection

On XX/XX/2022, I returned my XXXX XXXX equipment to the XXXX XXXX XXXX store to close my account. I notified the customer service agent that I would be moving and wanted to pay any remains balance that day. He gave me a receipt for my returned items and I left. I never received a balance or receipt of a balance. I also notified him of my new address, which is on my drivers license. After I closed my account, I spoke with a representative about the remaining balance that was required to pay. I was told that I would be able to pay the remaining balance on my XXXX  app. My XXXX account was soon locked and I was unable to access the application. I made repeated attempts to contact XXXX by phone, but I was never able to pay the remaining balance because I was told that the account was now closed. For several months, I would attempt to contact XXXX XXXX and was given an automated message for hours. When I was able to reach a customer service agent, they could not access my full XXXX account number and told be I would receive emails or letters to correspond with the remaking balance. I moved to a new address and did not receive any mail attesting to the remaining balance from XXXX. I finally received a phone in XX/XX/XXXX from TSI, a collections agency, and agreed to pay a reduced amount of {$110.00} to settle to the debt collection of {$130.00} and remove the delinquent payment from my credit score. I paid the balance of {$110.00} by phone. I received no receipt following our correspondence via email or by mail to my new address. The representative notified me that XXXX would be notified in two business days of the resolution. On XX/XX/XXXX and XXXX, I received calls from another collections agency with the phone number ( XXXX ) XXXX regarding a debt from XXXX. When I notified them of my recent payment, I was told by the customer service agent on XX/XX/XXXX that the matter had not been resolved and I needed to provide him with my routing and account number to pay the remainder balance. I was very anxious and scared by his comments and began to doubt the validity of the call. I have been a XXXX XXXX customer for 10 years and have never experienced an ordeal like this. I have never missed a payment and feel some of these actions have been predatory in nature. I didnt not receive the proper correspondence or notification of my debt for the opportunity to resolve it. Further, my credit score has been adversely impacted and I fear my personal banking information is now widely available to several entities.