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

I have disputed these erroneous account multiple times because I do not recognize this debt. The company did not preform a proper investigation therefore the account wasn't removed. The company insists that the account is mine although it is not. If there is an account with them in my name it is a result of theft. I have filed an identify theft report. There are two accounts with XXXX XXXX. XXXX XXXX  XXXX Account number XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXX. In addition, the company keeps changing the charge off date. The charge off is over XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute and express concern regarding the handling of the recent dispute related to inaccuracies found in my credit report, as per my rights under Section 1681i ( 5 ) of the Fair Credit Reporting Act. 

On XXXX XXXX  I submitted a dispute to Experian regarding the account XXXX with XXXX XXXX XXXX in regards to the validation of this debt on my credit report. Pursuant to Section 1681i ( 5 ), the credit bureau is required to remove or correct any information that is found to be inaccurate, incomplete, or unverified within a reasonable time frame. 

However, after the investigation process, the information was deemed as validated, without providing adequate supporting documentation or evidence. This is in direct violation of my rights under the FCRA, as the credit bureau failed to conduct a reasonable investigation and merely accepted the validation without due diligence. 

I kindly request a reevaluation of this dispute, adhering to the legal obligations outlined in Section 1681i ( 5 ). Please provide me with specific details and documentation supporting the validation of the disputed information, as required by law. 

Furthermore, I emphasize the importance of accurate reporting as it impacts my ability to obtain fair credit terms. Failure to comply with the FCRA regulations in this matter may result in legal action. 

Enclosed with this letter is the report number generated with this dispute which is XXXX, including the initial dispute, proof of delivery, and any supporting evidence concerning the inaccuracies. 

I expect a prompt response within 30 days, as stipulated by law, acknowledging the receipt of this dispute, along with a detailed plan of action to rectify the situation. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

In XXXX XXXX I received a court summons from a lawyer for Speedy Cash for a Pay Day loan I owed on. I received this notice through my employer at the time and was being garnished. I was not warned and was given the notice after the 10 day time line to dispute. the loan was {$500.00}. With legal costs, fees, and collection I was ordered to pay {$880.00}. As of my last check with my company, because I was laid off, they received a total from me which a balance ended in a balance of {$240.00}. I was not aware of that at the time. I was under the impression I was paid off. From XXXX XXXX to the start of XXXX XXXX, I was n't aware the collector was incurring legal fees and interest. I was notified by my current employer at the beginning of XXXX XXXX with a court summons, that I was to be garnished immediately and now owe {$630.00} and they could still tack on interest which may never pay off this debt. The collector filed back in XXXX XXXX. I was never served or notified about this until my employer did. This collector waited 7 years before even attempting to collect from me again, gouged me with interest and fees in the process and waited 9 years and sued to garnish. I understand I am responsible for a debt but, I also understand a company should not take advantage of its consumer. I am a single mother with a very low paying job to make ends meet. I was willing to make arrangements when I spoke to the company in XXXX XXXX. They refused a settlement and I did not agree with their collection practice. They also deny I ever contacted them.
Product: Credit reporting or other personal consumer reports

Packages have been sent out via certified mail to the XXXX main credit bureaus and all XXXX packages were delivered. 
They contained FTC ( government agency ) identity theft report, police report, copies of my credit report, proof of identity and a copy of FCRA Section 605B because they must remove the accounts on my credit report that were due to identity theft.

The 3 credit bureaus have not removed and blocked the accounts even though it has been beyond 4 business days, I have submitted all the proof that the accounts were due to identity theft including a sworn report by XXXX XXXX Police. The XXXX credit bureaus are violating my rights by not removing and blocking the accounts that were due to identity theft. I submitted all required documents, proof and information. 

The tracking numbers for all XXXX bureaus are : - Experian XXXX - XXXX XXXX - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past years I've been trying to get whatever it's showing on my credit report to be accurate. I've reached out to TransUnion and to the local XXXX XXXX office and informed them of this issue. I've submitted numerous disputes through XXXX XXXX and TransUnion respectively. Both have told me that they did the investigation and have reached out to XXXX XXXX office and updated the information. Yet once again I don't see any changes on my credit report and it still showing the incorrect information. I've submitted documents to TransUnion with the accurate information and still no changes. I've called the local XXXX XXXX office and spoke to my case XXXX, which she assured me that what I've submitted to TransUnion is accurate and what they've reported to TransUnion is the same information. It's very upsetting that I've to go through this every year without any results. I've reached my point. And as a result of this inaccurate information showing on my credit report, I've been unable to buy a house among other things.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection listed for XXXX XXXX XXXX, this debt was reported before litigation was finished. When we appeared in court we settled payed what we had due and it was agreed that this debt would be removed from our report, it has not been nor does it reflect as paid, I have disputed this with documentation and contacted the creditor. Creditor claims it is Experian who will not update
Product: Payday loan, title loan, or personal loan

I leased a refrigerator from The XXXX outlet store located at Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX on XX/XX/XXXX. I exercised my early purchase option on XX/XX/XXXX and paid off my lease. I then decided to cancel my 5 year XXXX purchase plan warranty on the same day. ( cost of XXXX ). I started making phones call at XXXX XXXX est on XX/XX/XXXX, after being transferred multiple times, and dropped into different call queues, I was able to get the warranty cancelled, HOWEVER I am now being told that I have to wait 15-21 business days in order to receive a CHECK for {$590.00}, because it is there policy to issue a refund to the method of payment that they have on file. THE METHOD OF PAYMENT ON FILE IS MY DEBIT CARD that I have been paying with since XX/XX/XXXX. It does not make sense that I have to wait all of this time to get my money back! They need to issue my credit onto my card. I received a series of conflicting answers through out this entire process from both the people the XXXX outlet, TEMPOE, and WHY NOT LEASE IT ( same company ) horrible customer service, incompetent people, and poorly trained. I also found out that the address they have on file is incorrect on the first go around, the rep said he fixed it, but when I called back, it is still wrong. So whatever check they are sending me, will not reach me!!
Product: Debt collection

This is regarding maintenance fees for our timeshare. and Advanced Financial out of XXXX, CA. We were on auto payment and with no notice the company took us off and sent us to collection, XXXX XXXX XXXX in XXXX, CA. We have XXXX timeshares and they were both on auto deduct and the payments were about {$7.00} different from one another so we did not notice that they had stopped. We received 2 calls and collections was NEVER mentioned. They sent us to XXXX XXXX credit who is charging us more than 50 % in fees plus interest of the total amount due! How is this legal. So many industries are regulated and I find it hard to believe that they are n't. This is like loan shark fees I can imagine. We never signed anything agreeing to these exorbitant fees. We owe the money and would like to pay it but Advanced Financial wont take any payments and in the meantime they are setting us up to fail. We believe these are UDAAP violations and that they want our time share back and are forcing our hand. The more time that passes the more the money adds up that we owe them. We were on a monthly since that is easier than having to come up with a lump sum. Looks like they are getting their way so far.
Product: Checking or savings account

I joinedXX/XX/XXXXin the military around the year XXXX. I connected an investment account to this investment account. Navy Federal credit union acquired XX/XX/XXXXsometime later. I had a checking account and there was no minimum fee. At the beginning of XX/XX/XXXX the financial product was changed. I was then charged {$5.00} a month. My account was being drawn to XXXX. 

At this time, health problems have caused me to sell investments to cover living costs. It has been very difficult accessing my funds. I having been charges fees for using the money. To this time Navy Federal continually makes it difficult to use the funds whether great or small. I recently tried to pay on a credit card and was denied.
Product: Vehicle loan or lease

FIRST INVESTORS FINANCIAL SERV, Account Number : XXXX .... " is reporting a car that I had financed through them in XXXX of XXXX. The car was then totaled out in XX/XX/XXXX and paid in entirety by my XXXX auto insurance. They have then reported late payments for XXXX and XXXX of XXXX and then reported a charge off of {$930.00} I disputed it with the credit bureau 's and they have responded with " Comment : Purchased by another lender '', however, THEY are the company reporting it on my credit and it is not listed on my credit report with another lender. I was n't made aware of this at all. Even still, the information would be incorrect with the other lender as well. I demand that this charge off be corrected and update on all reports.
Product: Credit reporting or other personal consumer reports

XXXX  report that i have 2 auto loans ( Credit Acceptance Corp and XXXX XXXX ) i try to dispute these with XXXX but the results are that the account remain and these accounts are not mine.
Product: Checking or savings account

XX/XX/ a reverse credit for {$230.00} was made in error. Several recording calls were made starting in XX/XX/2023. Each banking representative on each call confirmed that an error had acquired. No resolution was made since XXXX of 2023 and USAA has withheld {$110.00} since XX/XX/2023. 

Note : The last representative confirmed that if an account is negative you owe the bank. But if the bank owes you money for their mistakes/errors, there's nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Elan Financial services is reporting a CO ( charge off ) on XX/XX/XXXX, when in fact it was actually charged off inXX/XX/XXXX. It used to show the charge off accurately as XX/XX/XXXX, and then they changed it, thus repeatedly hurting my credit. I paid the debt in good conscience to sure up the creditor, although I didn't think they would try to utilize me paying them to further hurt my credit and RE-Charge off the account. I have provided a picture of how this is being reported on XXXX, and I have also attached a document/pdf that was provided to me by XXXX ( Customer Care Specialist ) from Elan Financial services that details that the account was actually charged off in XX/XX/XXXX in their own words. I have highlighted this in yellow in the document attached. 

I would like this to be corrected on my credit report ( s ) with not only XXXX, but all credit reporting agencies. I hope to not have to continue to spend more time on fixing this than I already have. 

Thank You, XXXX XXXX
Product: Checking or savings account

Ive never heard of Truist back until I got a notice in the mail. A few days later I get an email from ( XXXX ) to my personal email account. I called the branch closest to me and got the number for the fraud dept, it was the same phone number in the email. But when you call people with accents are asking for my social security number. Seems very fishy but see as the number came from someone at the branch this whole bank seems fishy.
Product: Mortgage

For over thirty years, my mortgage payment was never, never late. It was setup as an automatic payment. Over a year ago I refinanced my home with a XXXX loan with Embrace Home Loans serviced by LoanCare through automation. Then some six months later, my loan was sold/transferred to XXXX Mortgage Servicing Corporation on behalf of Embrace Loans. I was given a new mortgage number that needed to be setup so that the new servicer could receive payment. Then six months letter I receive another letter informing me that my loan was transferred back to XXXX with another new loan mortgage number. So when I attempted to make make payment, I am told that I have several loans and choose the loan I want to make payment to. This process of transferring my loans has become my burden of paying my loans without being charged for late payments. 
This would not be an issue if the mortgage servicers would make these transfer of information less frustrating to the customers. The loan servicers selling and reselling this loan are making the profit and I the customer have to be extra concerned that my mortgage does not become a late payment thereby putting extra fees unto my loans.
Product: Credit reporting or other personal consumer reports

I am consumer by law and feel taken advantage of. There is inaccurate information still being reported by this company. They are disregarding the law and I can not handle the stress they are causing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

They could authenticate me with my real address because they have an address supposedly thats mine will not let you talk to someone in USA and a supervisor is never around said they called and couldnt leave a message which is a lie they have XXXX XXXX XXXX XXXX  as and address which I have a state issue Id that says otherwise
Product: Credit card

I had an account with Fortivia to have XXXX  months to pay off furniture from XXXXXXXX XXXX XXXX XXXX I had a tittle loan company make a check out to them to fully pay off the account within XXXX  months. During that time they charged me a fee of XXXX and said it was an annual fee. I told them I only had the account for XXXX months. Then their company received my check for XXXX, and my lending company and my bank have a copy of the check that was stamped and deposited into a account by Fortivia. When I call Fortivia they said they don't have any record of my check and they can't help me other than if I want to give then a credit card to pay for my account. They have a po box so there is no way to send them a check though certified mail. In the meanwhile, they took away my store credit, continue to charge me late fees and reported me to the credit bureau 's for not paying on my account, even though they deposited my mailed check for XXXX. I also only owed them XXXX, so they actually owe me money, and they refuse to help me with crediting my account and acknowledging the check I sent. My lending and title company is trying their best to pursue this situation. Not sure what else do? They took my XXXX and they now say I owe XXXX, when I only owed XXXX, because they keep charging me extra fees. The XXXX XXXX  has a copy of the check that shows the check with the stamp on it for deposit. It was deposited by Fortivia on XX/XX/2023. We have all the evidence they took my money.
Product: Credit reporting or other personal consumer reports

I flew out of fll and tried to apply for XXXX XXXX XXXX XXXX and removed freeze from TU site and applied again but was considered duplicate application and freeze was removed for one week, the dates I selected, but application was rejected because freezing was never processed? I assume. 
I also was denied loan from XXXX because of bankruptcy which I was told was remov

ed after ten years. How can I trust the agency that is supposed to be responsible when it cant even provide up to date inform
ation and remove freze
Product: Credit card or prepaid card

To Whom it may concern, Capital One XXXX XXXX XXXX XXXX Capital One is refusing to honor my remittance coupon I mailed in as payment and adjust the balance on my account. I made the payment in accordance to UCC article 13, 15 USC 1602 ( l ) 18 USC 8, UCC 3-603, UCC 3-311 . See attached electronic return receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Student loan

I am wanting contact info for the omansbudsman group. I cant get any contact person to respond to. When I try to reply the email is undeliverable and there is no other way to contact them back. 
I have spoken to Mohela and student aid over 40 times since XXXX and still have received no help. 
I am trying to get information on my my loan balance on student aid shows I originally borrowed {$68000.00}. Ive only borrowed {$15000.00} for school and like {$4000.00} for private loans which have been paid off. Also they show I still owe {$25000.00} but I paid on that loan for years so there didnt no way its still {$25000.00}. My original loan servicer was XXXX XXXX and XXXX and the lied and misapplied payments and didnt give options for finicial hardship help paying loans. I should only have another year left in repayment under the IBR plan. Thats why I did the direct loan consolidation so they would count the years in repayment that navient screwed up on. But since I did the consolidation they still havent processed my IdR application. I should have been put on the IBR plan to begin with when the direct loan consolidation was approved. But for some reason, they still say they need to process it and cant process it yet. I dont understand how they can process the direct loan consolidation and approve it without processing the IDR application. So apparently they put me on the standard repayment plan while they try to process my IDR application. And once they process it, apparently theyll be able to backdate the IBR plan to the start of the direct loan consolidation. But after months of trying to get help, I realize Ive been being lied to you and given the runaround by Mohela so I cant trust anything they say I thought I could because I figured after all the issues with XXXX  that there wouldnt be any more issues with these loan services but they are no better at all. I am just lied to and given the runaround at every turn and given no Avenue to get help. At this point, Im not sure if I shouldve done a direct loan consolidation. I did that because I was told thats what I needed to do for my loans to get the recount on the years and repayment to be corrected since XXXX  did things wrong with my loans, but now I am wondering if that was not the right thing to do and if I was giving misinformation. and I cant trust anyone I talk to or even get a hold of anyone to help me thats supposed to like the ombudsman group. I am begging for someone to help me. I have followed all of the avenues. I was told to buy student aid.gov with submitting the complaints having them escalated to the ombudsman group, but they never amount to anything because I get a generic email, but I cant reply to it like it says to reply to you if I have any questions, I called around the contact information. Nobody has any. I have no option to get help anywhere. Thats why Im submitting a complaint here cause I dont know what to do.