23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2018, I requested a second debt validation via certified mail. AES has failed under the FDCPA to furnish the following : 1. Proof of a permit number that they are licensed to collect a debt on North Carolina Consumers.

2. A copy of all the ORIGINAL documents required under the Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it.

3. A complete payment history on this account.

4.All original copies reflecting an agreement to pay the alleged debt.

5.Copies of all invoices, bills, and notices concerning this alleged debt.

6.If this debt has been purchased or assigned, AES has failed to provide a copy of all related agreements.

7. An explanation of why AES is not reporting on my credit report item is being disputed.

8. Evidence that AES is authorized and licensed to receive payments on this alleged debt.

9. The reason why AES / XXXX XXXX is not accredited with the XXXX.
Product: Credit reporting or other personal consumer reports

I am respectfully seeking aid from the CFPB to kindly assist me in the REMOVAL OF THESE FRAUDULENT INQUIRIES FROM MY CREDIT RECORDS. This was my follow up complaint regarding the mentioned issue. Additionally, I kindly request guidance in ensuring that XXXX and Equifax successfully conclude the elimination process for the outstanding fraudulent inquiries. Once more, I provide the precise roster of fraudulent inquiries within the designated bureau that require removal : XXXX : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I finance a XXXX XXXX to Capital 3years ago the car was accident today lost also i have gap therefore i don't understand why i have this bill i contacted them about them send them proof but still charge me and effect my credit will bad I already file a dispute and contacted still no change XX/XX/2016 ( 2 yrs, 10 mos ) Term 72 months Charged off as bad debt Dispute resolved ; reported by grantor
Product: Mortgage

My mortgage was purchased from XXXX XXXX XXXX in XX/XX/XXXX. I received a letter at the end of XXXX my mortgage was sold to Specialized Loan Servicing LLC ( SLS ). I contacted SLS as I wanted to make a payment prior to XX/XX/XXXX. When I reached them, I was advised that I could not make a payment until the loan " Loaded '' on their system which would take a couple of weeks. I called back to make payment. The first payment was not accepted and called back again and made payment on XX/XX/XXXX. The payment was accepted and was told it was placed in a " holding place '' as the loan had still not loaded. The load was not loaded to the SLS system until XX/XX/XXXX. I made two additional payments, one on XX/XX/XXXX and one auto draft on XX/XX/XXXX. The XXXX payment posted for XXXX and the XXXX payment posted for XXXX. The XXXX payment was missing and listed as I was delinquent. I WAS NOT DELINQUENT. I called and was told it would take 30 days to correct my account for the payment that was placed in the holding place. I have called XXXX times, provided documentation from my bank statements of the evidence of payment via fax, and email. I also paid the home insurance that was delinquent by SLS on XX/XX/XXXX and I still have not received proper treatment or allocation of the payments. I have written the CEO XXXX XXXX without a response. At this point, I am at a loss as to how this organization is in business and what is happening with customers funds. I question the ethics of this organization as with over 14 years with XXXX XXXX XXXX I never had to call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finance a car back on XXXX with banco popular of  Puerto Rico the account was charge off on XXXX but the balance was paid on XXXX and then they give me the title off the vehicle and right now they are re aging the account to keep it on my XXXX  credit bureau and know said that the charge off was XX/XX/XXXX this negative account have already 14 years on my credit because they are re aging it and I have the pay off letter that shows that I paid this car on XXXX I already call them couple of time and make claims to XXXX and nobody help me
Product: Bank account or service

It is understood that banks have overdraft fees, however I encountered an incident that is highly irrational and simply unconscionable. I am a XXXX employee who makes over {$250.00} a week and over a month ago, one week of my barely there paycheck went towards over draft fees. Over a long holiday weekend I made a couple of withdrawls, only after carefully balancing my checkbook to ensure that my available balance was able to cover the withdrawls. That Tuesday I checked my account, only to find to my horror that my account was in the negative for almost {$300.00}, charged XXXX over draft fee 's for purchases averaging less than {$10.00}. We immediately contacted Citizens Bank customer service, only for them to explain that because the larger withdrawls posted before the smaller purchases, resulted in my account being overdraft. The bank representative was empathetic and was not willing to remove none of the overdraft fee 's, not even XXXX. I escalated it to the supervisor and she was even less empathetic to the point of her being very condescending. She referred me to a local branch to try and get the fees reversed but this was nothing but an attempt to end the call because the branch representative referred me back to the corporate customer service, who referred me to them. There is something highly wrong when these banks, whom our tax dollars bailed out, show little sensitivity to its customers and is steadfast in its conviction to operate in a manner that lacks an ounce of humanity. It is clearly visible to the Citizens Bank how much is deposited in my bank account each week and to have not even XXXX of its employee express some level of compassion is still beside me. Every business is in it to turn a profit, but to think that Citizens Bank will go bankrupt for waiving these fees is unfeasible, what they in turn will lose are customers, because unlike its namesake, this is a bank that does NOT stand for the best interest of its citizens.
Product: Credit reporting or other personal consumer reports

Yesterday, I received reports and credit score changes for XXXX XXXX XXXX, also known as XXXX, loans that were reported recently. 

When reviewing my XXXX, I see updated yesterday had the same information but only showing updated details to the account from happened about deferment becoming a fixed rate. 

Transunion was given the same information leading up to this as updates, but affected my credit scores even though Im currently on deferment. And in some of my credit reporting apps they are showing as 2 separate loans entirely. 

These were reported last on XX/XX/2024. 

Balances : Ending in account number - XXXX {$5400.00} Ending in account number - XXXX {$3700.00} Ending in account number - XXXX {$2300.00} These were reported last on XX/XX/2024. 

Balances added to a new account : Ending in account number - XXXX {$3600.00} {$2300.00} {$5300.00}
Product: Money transfer, virtual currency, or money service

I am on XXXX XXXX XXXX and receive a direct deposit on my NETSPEND card monthly. I received my XX/XX/XXXX deposit on X/XX/17 of 2017. I went to the ATM and withdrew only XXXX of the XXXX deposit. Imediatley came home to pay my utilities via telephone with my Netspend card and was declined. I called Netspend to check my account balance and had XXXX and change left. I then received a mobile text alert that said there was a money transfer to XXXX XXXX in the amount of XXXX and a XXXX fee for the transfer I did nor=t authorize. I imediatley reported this to the Dispute Claims department at Netspend. I received a reference number, claim number and contacted the Better Business Bureau..to file this complaint. I was told by Netspends fraud department 2 days after filing the dispute that I was in fact a victim of fraud and they had to close my account because my safety and personal information had been compromised. The fraud department rep I spoke with admitted to seeing that multiple numbers from California had called, checking on the status of my deposit since X/XX/17. That the frauders had my D.O.B., social security number and even tried to change my PIN number. She also admitted to knowing about XXXX XXXX fraud ring occurring at the present time. I was TOLD I WAS A VICTIM, yet they refuse to refund my money. As far as I can tell, the investigation has been verified to be a legit case of a Money transfer scam and Netspend refuses to talk to me now. I called them to give them an updated email address and was told I could NOT be connected to the fraud department or the Dispute Claims department, as I had to wait for the investigation to be complete which is 56 days away..I am on a fixed income and facing serios hardships due to their bad business practices. My utilities will be shut off in 2 weeks and have no other means of financial help. I have contacted the Better Business Bureau ... .and just today I received a call from Netspend , stating I can no longer receive their services. The mans name was XXXX. I am serious about my financial hardships from this and need to be contacted and/or advocated for in this matter ... My home phone is XXXX and my email is XXXXXXXXXXXX ty
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has gotten ahold of my social security number and is using my information to apply for lines of credit and its hurting my score. I do not believe i should suffer for the identity theft that has been taking place unknowingly on my credit report. I believe the right thing to do in this situation is to remove these inquires from my credit report. 
Experian inquires XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX consolidate XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have a charged off account ( XXXX ) that is scheduled to come off my report on XX/XX/2017 according to Experian. I have credit reports records for the last five years and they all say THis Account is scheduled to continue on record until XX/XX/2017. I asked for the account to be removed the beginning of XX/XX/XXXX via dispute but when I got the results Experian states that it will be removed on XX/XX/2017.
Product: Debt collection

XXXX XXXX Bank was the original company that issued me 2 credit cards. Due to unemployment, I was unable to pay them off before they turned the account over to a third-party collections agency, LVNV Funding LLC XXXX 

After diligently making payments to LVNV, I finally reached an agreement for a settlement payoff in early XXXX. However, the actual payoff document, which was crucial for future reference, ended up being inadvertently left inside an envelope. This oversight, compounded by the fact that I relocated from XXXX, CA, to XXXX, IL, in XX/XX/year>, and was unable to transport all of my household belongings with me, has caused significant inconvenience. My belongings, including the document, were left behind in a public storage unit. A XXXX XXXX XXXX XXXX XXXX is located in XXXX XXXX, CA. 

After settling in a new home in XXXX, IL, I discovered that LVNV sold the account to another collections agency. After calling to register a complaint, I spoke to a contact person named XXXX ; at that point, I made it clear the debt had been settled and that I was doing my best to clean up my profile ; she proceeded to tell me that their company also helped consumers to do that so I ended up paying the same company to work on my credit report, I trusted them because I had settled through their company. Only to find out they were operating as a fraudulent operation. After paying {$99.00} to her to start the cleanup process, she dropped off the map ; I never heard from her again. See the attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLWING ACCOUNTS AND INQUIRIES XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/2022
Product: Checking or savings account

I had an existing XXXX Savings account with Capital One and it has come to my understanding that they put out a new account with a similar name called a XXXX XXXX XXXX account with considerably more APR. We were never notified that there was a distinction between these two similarly sounding accounts. One had an APR of XXXX and the other XXXX XXXX. Had I been informed by Capital One that these were not the same APR yielding accounts, I would have moved my money sooner to the higher yielding account. I had about {$41000.00} in the older account which they advertised at the time as a great rate. It was a great rate at around XXXX XXXX  at the time I opened it. When the interest rates started a down turn, the savings account automatically went down, understandably. I assumed that when interest rates were increasing that the savings account would have automatically increased. What Capital One did was keep the existing account holders at the low XXXX APR and offered a new account, with a deceptively similar name called the XXXX XXXX XXXX account at a XXXX XXXX XXXXor new customers. I believed that the rates would have fluctuated with the market as they went up just as they went down with market rate changes. As it stands now I have been getting approximately {$10.00} per month in interest when the new XXXX XXXX account would have offered {$150.00} per month in the year of XXXX. I have since moved all of my money to the new XXXX XXXX XXXX account. There should have been an automatic adjustment upward in rate just as they automatically adjusted downward. If there is any reconciliation of this matter, I would want to be advised.
Product: Student loan

I begin paying back a {$22000.00} student loan in XX/XX/XXXX. I paid 75 months of {$140.00} ( total {$11000.00} ) ; 47 months at {$71.00} ( total {$3400.00} ) ; 24 months of {$100.00} ( total {$2500.00} ) ; and one payment of {$300.00} for a total of {$17000.00} to SallieMae/Navient. The interest is suppose to be 4.875 %. Over the past 13 years I have never missed any payments and pay on time monthly through direct debit. On this day XX/XX/XXXX, I still owe {$16000.00} on a {$22000.00} loan that I have paid {$17000.00}. Only {$6000.00} of the {$17000.00} that I have paid has gone to the principle and {$11000.00} has gone to the interest. How is this legal and ethical. I am XXXX years old and will go to my grave before this is ever paid off. I have looked at my current payment plan ( all I can afford ) and The payment will triple in XX/XX/XXXX and be paid off in XX/XX/XXXX with a grand total of {$35000.00} being paid back for a {$22000.00} loan.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint against Experian, XXXX, and XXXX for not properly investigating. 

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

Dear Sir/Madam, I trust this message finds you well. I am writing to you with a matter of utmost importance, pertaining to the accuracy and integrity of my credit report as governed by relevant provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Over a persistent duration of time, I have made continuous efforts to communicate with your esteemed organization in order to rectify several discrepancies present on my XXXX credit report. Despite numerous attempts to have these issues resolved, it has come to my attention that these inaccuracies have not been adequately addressed. This persistent disregard for the accuracy of my credit report poses not only a significant inconvenience but also has far-reaching implications for my financial standing. 

First and foremost, the incorrect listing of an address, " XXXX XXXX XXXX XXXX, NY XXXX, '' which lacks an apartment number, is a blatant error that contravenes the FCRA 's stipulation that credit reporting agencies must ensure the precision of the information they maintain. This discrepancy is not only factually incorrect but also has the potential to introduce confusion and misalignment in my credit history, as it intertwines my financial records with individuals who may share this address. I urge you to promptly remove this erroneous entry from my credit profile. 

Furthermore, I have observed a recurring issue with the handling of my name on the credit report. My legal name is " XXXX XXXX XXXX XXXX, '' According to the FCRA, credit reporting agencies are obligated to maintain accurate information regarding consumers, and this includes the proper representation of their names. Instead of simply removing inaccurate names from my profile, your organization has opted to make adjustments by creating variations of my name, which has resulted in an unwarranted proliferation of names on my credit profile. This goes against the spirit of the FCRA, which advocates for the dissemination of accurate, relevant, and fair information. 

I hereby request that you expeditiously take the necessary steps to remove the following erroneous and misleading name entries from my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA and FACTA mandate the swift resolution of discrepancies in consumer credit reports, and I trust that your organization will adhere to these legal obligations by removing the aforementioned inaccuracies without further delay.

I implore you to address these concerns promptly and rectify the inaccuracies in my credit report in accordance with the law. Failure to do so may necessitate further legal action to ensure compliance with the FCRA and FACTA.

I appreciate your immediate attention to this matter and look forward to receiving confirmation of the corrective actions taken to restore the accuracy of my credit report. 

Yours sincerely, [ 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

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX 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 those account 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. 


( CREDITOR NAME ) 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