23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the consumer reporting agencies listed below along with the account listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : Experian, XXXX, XXXX and XXXX XXXX : Account Name : XXXX XXXX Account number : XXXX I received a correspondence from XXXXXXXX XXXX XXXX and yet again, refuses to provide documents of my signed agreement giving them complete authorization to disclose my personal and confidential information, validating this account being mine, and verification of this account to me, to the consumer reporting agencies listed above. 
For the record, I never gave XXXXXXXX XXXX authorization of any kind to disclose my information to ANY consumer reporting agencies, hence their inability to provide proof. 
Again, XXXXXXXX XXXX has violated my federally protected consumer rights governed by Congress and I want them removed from my consumer report. 
XXXX XXXX  has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments, charge off, and repossessions are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Again, I repeat, I demand that this account deleted off my consumer report with all consumer reporting agencies ( Experian, XXXX, XXXX, and XXXX ) along with all other consumer reporting agencies. 

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a home mortgage or car loans. 

Please see attachments. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this today in regards to XXXX/XXXX XXXX Account # XXXX, I have reached out to the bureaus along with XXXX/XXXX XXXX to get more information about the reporting which seems inaccurate. I have gotten no response. I will list the issues below and then include a copy of the report.

1. Date opened is not consistent 2. Date of last payment is not consistent 3. Date of last activity is not consistent 4. Date of first delinquency is not listed 5. Date closed is missing 6. Payment status is not consistent
Product: Student loan

My loan is a parent plus loan with Navient. Loan # XXXX. The loan was originally consolodated for 30 years. I asked Navient to refinance for a shorter period of time and they told me I couldn't. Additionally I've noticed throughout the loan that they keep adding a thing called " capitalized '' interest. Nobody has been able to explain to me what that means. They are adding interest to my loan on a daily basis and periodically adding lump sum interest amounts to the loan. I've been paying on the loan for 2.5 years and my loan amount has gone up instead of down. 
I applied through student loan.gov to refinance the loan and change service companies. Navient blocked by ability to go with another service company. I had chosen XXXX. Instead they changed my loan to a 12 year payback. I had requested a 10 year payback with XXXX. I'm attaching the document so you can see how my loan terms have changed in just the last 30 days. Additionally on XXXX XXXX it showed my unpaid interest was {$480.00}. I made a payment of {$490.00} thinking they would finally apply a partial payment to the principle. The next day they added {$3800.00} in " capitalized '' interest therefore negating any money being applied to the principle. As of now I have not had {$1.00} applied to principle in 2.5 years. 
I called Navient and asked for an audit of my account with a printout of my accumulated interest for 2 years. I told them I did not want a generic letter. I did not get the audit and instead got a generic letter advising how they calculate interest on a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I attempted to wire transfer money from XXXX XXXX to Revolut on Tuesday XX/XX/XXXX. This is a transaction I have completed several times in the past. However, I still have not received my money from Revolut. They are apparently unable to locate the funds, even though I provided them with the Federal Wire Transfer Number. They keep saying there's an issue affecting US transfers but I do not believe them. I am stuck and stranded without money and have certain bills that must be paid with this money. I am very stressed out about it and I do not know what to do. Revolut keeps sending me XXXX messages but they are not taking any action. The money should have been received within XXXX minutes. Instead, it has now been XXXX days with no end in sight.
Product: Mortgage

I got online and changed the autopay draft account to a new bank account because I am closing my old bank account. Despite changing the account prior to the draft, they still charged the old account resulting in an overdraft and an overdraft fee charged to me. I called them to resolve this but their explanation was there is nothing they can do because I did not remove the old bank account when I added the new one. There was no disclosure in the process stating I would need to remove the old bank account in order to have the new bank account to be used for the drafting. Customer service refused to help me with is the wrong course of action. I would like this complaint to be escalated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federally protected consumer rights were violated because Transunion furnished false information without my written consent. I never gave Transunion any written instructions to furnish anything on my consumer 's report. No consent is Identity Theft and infringement on my Consumers right to privacy. Based off Transunion violating my Consumer rights, I am unable to apply for any Consumer credit for my personal as well as my business. These violations are hindering me from purchasing a mortgage and vehicle for my family. Furthermore, I am humiliated as well as dealing with XXXX and stress because of these results.
Product: Debt collection

THIS IS GETTING TO BE RIDICULES I HAVE FILE COMPLAINTS AGAINST LVNV FUNDING LLC. I HAVE TOLD THEM THE AMOUNT I OWE THE COMPANY IS XXXX BUT THIS HAS GONE ON FOR OVER 2 YRS AND NO RESOLUTION PEOPLE HAVE BEEN THREATEN AND LFT VOICEMAIL OF PHONE NUMBERS WHO WAS NOT GIVEN. I HAVE SAID THIS TIME AND TIME AGAIN WHAT I OWE XXXX THEY WANT MORE AND FILE SEVERAL COMPLAINTS WITH THIS OFFICE AND FTC ETC. NOW I RECEIVED A LETTER FROM XXXX XXXX XXXX XXXX XXXX. IS ANYONE LISTENING TO PEOPLE WHEN THEY FILE THESE COMPLAINTS AND CONSUMERS ARE GETTING HARASSED. I HAVE TRIED TO WORK OUT THIS AMOUNT YOU HAVE OTHER CONSUMERS SAYING THE SAME THING ABOUT THIS COMPANY AND NOTHING IS DONE. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed an inquiry i didn't recognize.
Product: Consumer Loan

It has come to my attention that there is a class action law suit against Navy Federal Credit Union for loan collection malpractice. During the period of time in question, I was a victim of some of the happenings that were taking place. Because I had my checking account and loans through them, they had access to transfer funds without my knowledge to settle up debts that they deemed delinquent when in fact they were n't even 30 days late. There were times when my account would be " frozen '' and the only activity I could make was to pay my loans at a time when I was paycheck to paycheck. When this would happen, my debit card was also frozen causing me to be forced to resort to credit cards to put gas in my car and food on my table to get by until my next payday when I could settle up with NFCU. There were also occasions where I would owe a certain amount and NFCU would simply garnish my entire checking account to fulfill a partial payment leaving me with {$0.00} balance without notifying me, freezing my account effectively locking me out of online banking and everything else, and then garnishing my incoming direct deposit to fulfill the remainder of said loan, again leaving me with little to no money for the following week. Not only did this prolong my hardship, but it forced me to rack up credit card debt which in turn caused me to enter into a debt management program to get out of the debt that had been created. 

It seems that there is a settlement with the people affected by there practices during this time, and I am writing this to ensure that I contact every avenue possible to make certain I get my fair share from the penalties they 've had to pay out. 

I 'm not sure what other steps I need to be taking, but hopefully this makes it into the correct hands and gets me on my way to a settlement.
Product: Credit card

I filed for chapter XXXX bankruptcy and was confirmed in XXXX 2013 and first national bank of omaha was XXXX my creditors. they are reporting late payments and overdue balance in violation of the agreement. i believe this is in violation of the fair credit reporting act and an aggressive attempt to get me to pay a debt that is under bankruptcy protection. i have tried and failed to get any resolution from them and this is destroying my efforts to rebuild my credit and preventing me from doing an fha streamline on my home.
Product: Debt collection

Canceled XXXX account in XXXX of this year. They did NOT want their phone back but I returned the internet equipment. Now have received a dunning notice from Radius Global Solutions of XXXX. They say there is nothing they can do. Called XXXX and spoke with XXXX foreigners, some of whom hung up on me. I spent all morning trying to reach someone who spoke good XXXX and would work with me. They claim they never received the returned equipment. Now they want {$370.00} for equipment they have somewhere in the company property.
Product: Debt collection

Hello, There's a collection company called IQ DATA that has been contacting me via telephone about a debt I have no knowledge of. The first phone call was around XX/XX/2021 in which I explained to the representative that I've never had an account with their so called client ( XXXX XXXX XXXX ) which is the original creditor. They asked me if I ever lived at the address where the account was originated in which I told them " NO ''. I recently seen that IQ DATA is reporting that I owe this debt of {$140.00} to the credit bureaus XXXX XXXX XXXX. I sent IQ DATA a letter asking them to send me a description of the services and charges or anything that proves this account belongs to me and they responded with a letter stating I need to send a police report claiming identity theft, a government ID & proof of residency. I do not want to send personal information to this company, I never filed identity theft because they never sent any validation of my social security number or birthday being used, there's hundreds of XXXX XXXX and they have the wrong one. I do not owe any monies to IQ DATA or XXXX XXXX XXXX. and I would like for IQ DATA to remove this inaccurate account from their records as well as my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I login to my Equifax account online and its have somebody else social security number and I call Equifax to fixed the problem but didnt help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending certified letters to XXXX XXXX XXXX, my account # XXXX XXXX XXXX XXXX, to update and report correctly to the credit bureaus. I have been diligently paying my store credit card and have gone beyond expectations to ensure that my balance has been brought down in order for me to keep a valuable relationship with the store and also repair my credit report/score. I met the expectations of the company and beyond, making additional payments on a regular basis. Now my balance is down to {$800.00} and my credit report shows {$1400.00} dated XX/XX/2020. I am constantly calling and requesting this to be updated and their process, and also sending certified letters. No response via mail and via phone the representative simply states it is up to the credit bureaus. 
To date no credit bureau, Experian, XXXX  or XXXX have my correct information. 
I am sincerely trying to repair my credit and would like current accurate information in order for me to do so. Incidents like this prevent me from pursuing other creditors or stores. 

Thank you XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a number of emails this morning from LoanMe ( www.loanme.com ) indicating that I had applied, been conditionally approved for, and ultimately funded through a loan agreement and settlement for a {$2500.00} loan with a 139.12 % APR using my name, my email, and a California address that I do not know or recognize. My attempts to get more information from Customer Service indicated that I should send them a police report, but at this time I have no knowledge of why my email was used, if this is a different person with my name, or what checking account number is associated with this loan that was taken out. Customer service told me that neither my name nor email address were associated with the loan number supplied in the emails. This is highly suspicious. I will continue watching my credit monitoring but nothing has been identified at this time. To be clear, I have not taken out any loan and I have credit freezes in effect since XX/XX/XXXX to protect from fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, XXXX I became legally XXXX according to Social Security XXXX. I contacted XXXX when the final decision was made at XXXX in XX/XX/XXXX and in XX/XX/XXXX, XXXX approved a Discharge due to XXXX on my student loans from XXXX and XXXX XXXX XXXX, both XXXX and XXXX agreed to the discharge. 

In XXXX XXXX XXXX also discharged my private student loan through XXXX. 

I pulled my credit report from Experian and XXXX in XXXX and XXXX is listed with three discharged loans, the two federal school loans from XXXX and XXXX XXXX XXXX and private school loan from XXXX. 

My credit report in XXXX also showed XXXX and XXXX paid. But XXXX XXXX XXXX status is listed as Open as Unknown. I called XXXX XXXX XXXX and their customer service states, " Yes, the loans show here as paid. The discrepancy will clear up next month, because there is a backlog in reporting and updating status information. '' I called again last week and XXXX XXXX XXXX repeated the same and said they were not obligated to clear it up now. I complained to Experian, XXXX and XXXX   and they say I have to get XXXX  XXXX XXXX to clear it up.
Product: Student loan

I have been paying off my student loans for 15 years and I haven't even paid off half of the debt. Now, Navient is asking me to pay $ XXXX when I told them I couldn't afford that amount they said because of my good credit score and the good standing of my account they couldn't do anything. I tried to explain I don't make enough money monthly to cover this expense. 

My federal student loans were forgiven recently because of predatory behavior from my school ( XXXX XXXX ) with the class settlement Borrower DefensXXXX of the XXXX XXXX XXXX. 

I believe Navient is also acting in a predatory way, I've already paid so much interest and I've barely touched my principle. They told me to take a forbearance years ago I didn't understand how that would effect my overall loan.
Product: Checking or savings account

This bank lies to me their executive office writes me emails never calls me leave voicemails they never return my calls very rude to me and I told them dont debit card is not the same as it was contactless tap pay technology they are horrible
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the CFPB on XX/XX/XXXX, about an erroneous account on my report. On XX/XX/XXXX, the CFPB responded and closed the case with unsatisfactory results. I sent a follow-up letter to Experian on XX/XX/XXXX asking for method of verification and proof of validation of alleged account. According to the Consumer laws the bureaus must report accurate information. How can this be accurate if XXXX different reporting companies are reporting different information for the alleged account? I have not heard a response from Experian. 
I have also informed Experian that I did not authorize Inquiries that are reporting.
Product: Student loan

With the end of the student loan repayment pause, I reached out to AidVantage to understand why my account balance was higher on their website than it was on the studentaid.gov website. 

On XX/XX/2023 they responded that " Your current balance is {$8300.00}. This discrepancy of {$3.00} can be due to the refund request that was processed. This discrepancy of {$3.00} can be due to the refund request that was processed " which didn't make a ton of sense to me, but it was only {$3.00} so I figured they were a bit XXXX but it wasn't worth my time. 

Then, on XX/XX/XXXX I got informed that my auto payment has been processed, but I see that now on the Aidvantage website it says that my balance is " {$8400.00} '' When I look at " Account History '', the only action in the last 90 days is from XX/XX/2023, where it says " Capitalized Interest '' but all of the amounts say {$0.00} ( screenshot is included ). It doesn't say anywhere why or how this {$27.00} dollars was accrued or how I could have avoided it being converted to principal. 

It looks to me like Aidvantage is expecting that most of their borrowers aren't noticing this increase in their amounts due, thus they're marking that interest was capitalized but not noting the amount on our accounts page, so they've somewhat told us that interest was converted into capital but they withheld the amount and it is not obvious what happened nor why. 

This feels like XXXX behavior- I'm on autopay, so why should I be penalized with capitalized interest when I had no chance to pay that interest/the auto-pay didn't cover it? 

I tried calling Aidvantage today XX/XX/2023 to ask them about this but they just kept me on hold for over an hour.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to remove account that are fraudulent I have send Police report and they have not complied with the fair credit acc. 
Account are as fallow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I unexpectedly received a Cash App debit card that I had not ordered. XXXX, I attempted to log into my account but was unable to do so. Subsequently, I reached out to Cash App to report that my account might have been compromised. At that time, I had been using Cash App for XXXX years. 

On XX/XX/year>, at XXXX XXXX I provided the Cash App assistant with the necessary information to verify my identity. After submitting the required information, I waited for a response but received none by XXXXXXXX XXXX. The assistant then requested that I resend my verification details. After complying, I continued to wait for a response until XXXX PM, but still received no updates. 

The advocate informed me that they needed more time to investigate the matter. On XX/XX/year>, at XXXX XXXX, I followed up for an update and was told that the investigation was still ongoing. I was assigned a case number after this inquiry. However, I was asked again to submit proof of identity, with the advocate claiming that I had sent in the wrong information. 

On XX/XX/year>, at XXXXXXXX XXXX, I provided a copy of my North Carolina ID, a bank statement that included my name and address, and a live photo of myself with the ID. I then contacted support again on the same day at XXXX XXXX, seeking clarity on the situation. I received a reply at XXXX XXXX asking me to be patient while they reviewed my case. 

On XX/XX/year>, at XXXX XXXX  I reached out again for an update and was told that the issue remained unclear. I explained the urgency of the matter, including the funds I was losing while waiting. Unfortunately, by XX/XX/XXXX, it felt like I was back at square one, as the support team needed to start the process over. I inquired why there was a delay in resolving my issue and lodged a complaint about the lack of assistance. 

On XX/XX/year>, at XXXX XXXX, I was yet again asked to prove my identity. However, by XXXXXXXX XXXX I regained access to my account. It was revealed that before I could retrieve my funds, my account had been banned due to activity that was deemed against Cash App 's terms of service.
Product: Credit reporting or other personal consumer reports

1st Franklin, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all reported to the credit bureau that my accounts were charged off. My rights show if a company charges off my account it is paid in full and they must provide a 1099C to me.

Not only have some of these companies been paid without providing the 1099C they continue to illegally update my report and sold account that has been paid to a collection company without permission from me to sale my information These are multiple violations on companies behalf
Product: Debt collection

On XX/XX/2021 I sent Experian my dispute. According to the certified mail confirmation, the company received the dispute on XX/XX/2021 at XXXX XXXX. It is currently XX/XX/2021 and Ive yet to hear back from the company. The FCRA gives the company 30 days to respond. Its been over six weeks since I sent my dispute, so they are well over there required 30 days. I thank you in advance for your assistance.