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

In XX/XX/XXXX I received a copy of my credit reports. Upon a very thorough look, I found all sorts of errors. I decided to write the companies that were reporting the errors as well as start the dispute process with the credit bureaus directly. I asked for them to look into payment histories of a few of the companies on my reports as my records were conflicting with theres. Well here 's what happened : when I asked Experian to verify a delinquent payment history that was being reported by XXXX XXXX. 

On the report It read that the account was never late yet discharged through chapter XXXX bankruptcy. I disputed this because I never included XXXX XXXX XXXX in a bankruptcy. I was never late so why would I? In XX/XX/XXXX, Experian claimed that they verified the information as accurate but on around the same time, I had independently asked for XXXX XXXX to please send me records as well. XXXX XXXX could NOT provide me with any records. In fact all I received from them was a letter asking them to help research the items. XXXX XXXX also addressed me in the letter as " XXXX XXXX '' My name is NOT XXXX XXXX. My name is XXXX XXXX. I live with someone whos last name is XXXX that has a XXXX XXXX account and I believe that the company and credit bureaus have somehow merged our information. I sent proof of the letters to Experian and Experian did not change the information and claimed it was accurate! HOW? I sent another dispute in and I got correspondence back that unless I provided additional details that they would NOT reinvestigate the errors. I sent additional proof and they claim that the company verified the information again. I do not believe that they are doing an investigation at all. I believe that they are merely tying in addresses and claiming that they " verified '' it. XXXX XXXX could not provide me with any records but somehow Experian verified the accuracy of the records? Additionally, the original credit limit on the credit card was {$1500.00}. Experian is reporting {$19000.00} balance on the card before their investigation and {$28000.00} after their investigation but in XX/XX/XXXX reported {$1500.00}. None of this makes sense and they refuse to provide any proof of their method of verification of this stuff.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX XXXX has sold to XXXX XXXX XXXX XXXX a debt collector a disputed rental account ( Due to unsanitary conditions and no air conditioning repair in 10 days in 98 degree weather and the fact the apts were rented out to drug addicts rehab, with the police there every day and night, property manager was never truthful about repairs, stated XXXX would not provide the money ) and has added themselves to my Credit bureau accounts as a creditor and has set up payment schedules showing me past due on or around XXXX/XXXX/2012 in the amount of {$1200.00}. I have never done business with Fair Collections and have not agreed to any payment schedule with them. What they have done is violate federal law regarding setting up fictional accounts as a debt collector just to collect a debt, without the consumers knowledge and approval. I complained to the Credit bureau, but they claimed that the debt collector responded that the debt was legally owed to them, which is a lie. There has not been any adjudication of this matter by any court and the XXXX XXXX and XXXX XXXX have conspired to try to make me pay them through the fictional account they have attached to my credit report.
Product: Student loan

I have private student loans through Navient ( formerly XXXX ), which are set up for automatic monthly payment. Enrollment in automatic payments affords me a 0.25 percent reduction in my interest rate. 
Last month, with no notice provided to me, Navient placed my loans on an in-school deferment, which cancelled my automatic payment and accordingly raised my interest rate by 0.25 percent. I enrolled in a part-time online course a few months earlier, and was unaware that the school had contacted Navient and that my part-time status was sufficient for a deferment. I learned this information during a call with Navient XX/XX/XXXX after I noticed that my payment for XX/XX/XXXX was not automatically processed as usual. 
Following two calls, Navient proposed as a solution that we shorten my deferment. I noted that this would result in me being charged 0.25 percent in excess interest charges for the two billing months the deferment was erroneously in place. After speaking to a supervisor, Navient agreed to remove the deferment from my account altogether and credit me the two months of excess interest charges that would have accrued during the deferment. 
Assuming the cancellation and excess interest credit are processed as agreed, I will be pleased with this solution to my problem. However, Navient 's procedure to put loans on in-school deferment without requesting this from or notifying borrowers is troubling, particularly because it can result in extra costs for the borrower. I 'm hopeful that CFPB can pressure Navient and other lenders to change this practice. It appears to me that this was the very sort of behavior that led XXXX to feel it had to burnish its image and change its name to Navient in the first place. 
Thank you.
Product: Credit card or prepaid card

The automatic scheduled payment feature is failing after setup and is being removed by the bank system automatically resulting is late payment fees to account holder ( me ). I have setup auto payment 4 times in the past and the same thing happens each time. The credit company in this case is comenity bank and are not able to resolve this issue and are not able to re fund the {$30.00} late payment fees. Their technical teams have not been able to resolve this issue and is causing financial loss and frustrating experience to the account holder. I want CFPB to review this case and take appropriate action.
Product: Mortgage

I overpaid the FHA MIP, and I am having a hard time getting the amount of money I overpaid refunded to me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to inaccurate and incomplete information being reported on my credit report. I have reviewed my report and found several issues that need immediate correction and deletion, which are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following errors exist on my credit report : Inaccurate Names : Multiple variations of my name are listed, including incorrect spellings and versions of my first and/or middle names. The only correct name should be. I attached a letter Incorrect Address Information : Several addresses are reported that I have never lived at or have no association with. These addresses should be removed and replaced with my correct address : [ I attached a letter ]. 
Incorrect Phone Numbers : The phone numbers listed on my credit report are inaccurate. My only valid contact number should be I attached a letter ].

Incorrect Employment Information : My employment history is incorrectly reported. The correct employer is I attached a letter, and all other entries should be deleted.

Removal of Social Security Number ( SSN ), Date of Birth ( DOB ), and Year : I request that my Social Security number, date of birth, and year of birth be removed from my credit report to ensure the safety and privacy of my personal information. 
I have already contacted the credit reporting agencies to address these issues, but no meaningful corrections have been made, and the errors continue to affect my credit profile and score.

In accordance with the FCRA, I request that these inaccuracies be corrected, and the proper information be reflected on my credit report. Under the FDCPA, these agencies are obligated to ensure that only accurate, verifiable information is reported. I am requesting that these inaccuracies be fully removed from my credit file and that an updated credit report be sent to me showing all deletions.

Failure to comply with these requests will result in a formal complaint to the Federal Trade Commission ( FTC ), and I may pursue further legal action under both the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted. company information Transunion.XXXX {$990.00}, XXXX {$80.00} XXXX XXXXXXXX XXXX {$560.00}, DEPTEDXXXX {$3700.00}, DEPTEDXXXX {$2300.00}, DEPTEDXXXX {$2300.00}, DEPTEDXXXX {$3700.00}, DEPTEDXXXX {$1800.00}, DEPTEDXXXX  {$1100.00}, DEPTEDXXXX {$1000.00}, DEPTEDXXXX {$1200.00}, XXXX {$620.00}XXXX XXXX XXXX {$1200.00}, XXXX {$15000.00}, XXXX XXXX {$9500.00}, XXXX XXXX {$810.00}XXXX XXXX XXXX XXXX {$20000.00}, XXXX {$1500.00}
Product: Debt collection

Starting around XXXX or XXXX of XXXX I started getting communications from XXXX XXXX XXXX in Kentucky representing XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX They have the garnishee defendant listed as XXXX XXXXXXXX XXXX In XXXX, XXXX. So putting this together someone with my name, excluding middle name, went and charged over $ XXXX on a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( original creditor ), in XXXX, IN and worked at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX and they want their wages garnished or, NOW, in new letter, bank acct garnished for what they owe. 

First off, my credit is terrible and I filed for bankruptcy many many years ago and haven't had a credit card since nor can I get XXXX. Furthermore, I have NEVER in my life charged that amount at any XXXX. I have NEVER heard of XXXXXXXX XXXX  nor have I ever been to XXXXXXXX XXXX which is XXXX miles and over XXXX hours away from where I have lived in XXXXXXXX XXXX  my entire life! I haven't worked getting a paycheck since around XXXX and since then XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I started working at age XXXX. I stopped working in XXXX due to XXXX. In the numerous letters I have gotten from Weber & Olcese it states the case was opened in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX would like to see what was bought and a video of " ME '' going Into XXXX, IN XXXX purchasing it. 

There are at least XXXX others with my first and last name around the vicinity of where I am. I asked Weber & Olcese to give me a middle name, Birthdate or SS # and they have not in over XXXX  years. There are also a ton of others on XXXX and I told them that. I also sent them a picture of who could possibly be the one who owes this money because I started getting her debt collection calls many years ago. She's XXXX XXXX XXXX  than me. 

It states throughout correspondence from Weber & Olcese that they sent letters about this case such as XXXX on XX/XX/XXXX, service returned served XX/XX/XXXX, order to appear in court XX/XX/XXXX and I have never received a thing other than the letters trying to collect from Weber & Olcese.

They are now saying they will take {$5900.00}. 

Now, throughout these letters trying to scare me they have garnishee defendant as XXXX XXXX but in new letter just got XX/XX/XXXX garnishee defendant is XXXX XXXX in XXXX and that's not my bank. They have also had XXXX XXXX and XXXX XXXX listed as defendant so they are grasping at straws. 

I am now being summoned to court XX/XX/XXXX at XXXX if I am against the garnishing efforts even though this is NOT me.
Product: Debt collection

CBE GROUP/CHARTER COMMUNICATIONSXXXX You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to ur company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made clear that you are an elaborate mechanism with no real standing, OR authority. Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your ASSUMPTION you have negatively affected my life, and those around me causing me severe hardship, mental stress, and depression. I have been unable to live fairly because of you assuming this role, Pursuant to 15 USC 1681 ( a ) 4 ) You were unfair in reporting this erroneous information without First consulting with me the consumer. You have no proof that this transaction even took place.You were also impartial because you allowed information to be reported while only hearing one side of the story. You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as result of that third party. I am demanding that this information be removed PERMANENTLY soon as possible. Pursuant to 15 USC 1681 ( a ) ( b ) You did not meet the needs of commerce because this was not Fair and equitable to me. This information is non accurate, neither is it relevant to XXXX. Nor was this False information properly utilized in a manner that is or was equitable to me.. Nor was this False informaton properly utilized to a manner that is or was equitabie to me. If This transaction even took place it should've been confidential so you in fact betrayed my confidence. You are in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report. Pursuant to 15 USC 1681s ( d ) ( 2 ) ( a ) ( I ) it should be excluded from my consumer report. Pursuant to 15 uSc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 USC 1602 ( 1 ) which is " the term " credit card '' means ANY card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card referred to in the following section is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased XXXX ( XXXX ) chairs from XXXX, XXXX, & XXXX on their website and had them shipped to my home. I received all three ( XXXX ) chairs damaged. XXXX, XXXX & XXXX received all three ( XXXX ) returned chairs and I never received a credit for the chairs. I disputed with Comenity Bank, the issuer of the XXXX XXXX & XXXX credit card. Comenity Bank has consistently violated my consumer and banking rights under the Gair Credit Billing Act by assessing my account late fees, interest, and reporting me late to the credit bureaus while the entire amount was under dispute. On XX/XX/XXXX there was a fraudulent charge posted to my XXXX XXXX & XXXX credit card and while under dispute Comenity Bank has again demonstrated a violation of my consumer and banking rights under the Fair Credit Billing Act by assessing late fees, interest and reporting me late to the major credit bureaus with this fraud charge. I have made numerous attempts to resolve the matter with Comenity Bank but the bank is doing whatever they want to my account and does not care they are in violation.
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THIS COMPANY HAS REPORTED INACCURATE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute discrepancies I have identified on my credit report. Upon reviewing my report, I noticed inaccuracies related to late payment entries. These entries are incorrect and are unfairly affecting my credit profile.

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As your company is a consumer reporting agency and I am the consumer, I have the right to ensure that my private information is handled responsibly and not shared improperly.

This is further supported by 15 USC 6801, which establishes : " It is the policy of the
Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Additionally, under the Fair Credit Reporting Act and the Privacy Act of XXXX, which safeguard the accuracy, security, and confidentiality of consumer information, I respectfully request that you investigate and address these inaccuracies. 

Below are the specific details of the discrepancies : Creditor Name : XXXX XXXX  Account Number : XXXX Dispute : Under 15 USC 1666b - Timing of Payments, this account should reflect a status of " Never Late. '' I have enclosed a copy of my credit report with the errors highlighted, as well as supporting documentation to substantiate my claim. I kindly request that you correct, modify, or delete the inaccurate entries as appropriate. 

Under the FCRA, you are required to investigate and respond to my dispute within 30 days of receipt. Please provide written confirmation of the outcome of your investigation and an updated credit report reflecting the corrections. 


Thank you for your prompt attention to this matter. I trust that you will ensure the accuracy of my credit information and uphold my rights as outlined by the FCRA. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XX/XX/2021 XX/XX/2021 and again on XX/XX/2021 I sent a certified letter to Experian about some unauthorized credit inquiries which are listed below, they have not responded to my request. These inquiries were not authorized by me and are fraudulent. 

XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX CA XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has denied me access to its XXXX service - the online access portal to manage details, freezes, alerts and information related to my credit file. Like every other American, I never asked for Equifax to open an account on me, but they wield power over my ability to gain credit and I'm forced to deal with them. There have been multiple attempts by fraudsters at opening credit cards, adding erroneous personal information to my file and purchasing items using my existing credit cards ( including a {$28000.00} purchase a few months ago ). It's unreasonable that I'm not allowed to access my file online and have to resort to mail correspondence, which is even further delayed during the pandemic. All the company says is that I'm " ineligible due to information during my registration. '' That's no excuse for verifying my identity and giving me reasonably fast access to my file. Forcing me to use mail is lazy and borderline criminal given the outsized importance they have in my ability to gain credit. All I want is access to XXXX like everyone else.
Product: Consumer Loan

This loan is a predatory loan in which I am paying. I signed a contract to purchase a XXXX XXXX XXXX at XXXX on XXXX XXXX. The interest rate on this loan is 17.95 %. The car is now only worth {$6300.00} at trade in value. My pay off at the moment is {$15000.00} after 2 years. The loan company named Consumer Portfolio Services is charging me 3 times over what the car is worth. I feel I was scammed into this loan and I have no way of trading the vehicle in with the large negative equity I have with this car.
Product: Debt collection

I worked for XXXX XXXX XXXX out of Texas. This was in XXXX. They supplied my initial part up for the truck and then took it out payroll deduction. I left the company because they messed up marketing and I did not get any work for over four months. 
I did not know how much I had paid to them. 
I never received any communication from them stating I owed any more debt. Now two years later I get a collection on my credit report. I have disputed it on the credit report. I have also reached out to to XXXX XXXX as well as XXXX XXXX, and XXXX XXXX XXXX they refuse to return any information to me to show that the debt was not settled.
Product: Debt collection

This involves XXXX XXXX My account was hacked back in XXXX. There was a bunch of unauthorized purchases all in one day that I did not authorize. We have tried to get in touch with anyone that could help they customer service and still havent been helped. Get nothing but the run around. We have spent over 100 hours on the phone trying to get this resolved.