23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt collection company has been trying to collect debt that IS NOT MINE. They are claiming that I owe XXXX and when I requested a breakdown of just a little over {$1000.00} but claimed that there was a balance forward of {$15000.00}. They were unable to explain where this amount came from. This is a rent debt and I paid my rent every month. When we moved out, they claimed there was some damage to the property which was accounted for in the breakdown, but at no point did I ever owe a balance of {$15000.00}. This is impossible to owe this much money without being evicted. They have called me, harassed me and after disputing this in writing with them in writing, they have continued to say that I owe a debt that I DO NOT OWE. I have requested proof of this alleged debt in the form of a contract bearing my signature and the contract only proves that I fulfilled my lease obligation and I would also argue that the very small amount of damage is simply wear and tear. This company is exploiting me by listing this outrageous debt allegation on my credit report which is stopping me from being able to obtain credit. This amount is totally inaccurate and this practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I have the right to a fair credit report that reflects only accurate accounts under the fair credit reporting act. This company has continuously violated my rights and their practices go against the Fair Debt Collection Practices Act. I am requesting for removal of this account from my credit report IMMEDIATELY. This company has been given the chance to prove the accuracy of this account but they have failed to provide any proof other than a claim that they purchased this debt from another company who I also did not sign an agreement with.
Product: Credit reporting

all credit agencies reporting incorrect data, never had any " Public Records/ TAX LIENS '' not mines, same infor on file 2 times ; violates FCRA with re-appearance of infor on file
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a money lion Inc loan in my name on my credit report I have been trying to dispute it but the credit reporting companies are telling me that it's my information I never even heard of the company don't have any debt or any loans out in my name and someone changed my phone number on all of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a disput to XXXX stating there were errors in the two bankruptcy entries I have on file.  I responded to the courthouse and they gave me the correct dates which were reported wrong by XXXX.  I was also told there would not disclose any of my records to the CRA and their information from XXXX XXXX was inacurrate. So with that i filed a dispute and under the FCRA the CRA would have to delete any information that was inaccurate.  I received an alert from XXXX XXXX the information was indeed deleted on XX/XX/XXXX , but then the same inaccurate information reappeared on XX/XX/XXXX.  No proper investigation in my opinion was done and they should delete.
Product: Credit reporting or other personal consumer reports

To Whom it may concern.

I am writing this complaint in lieu of information on my credit report ( Late Payments ) that I have not authorized whatsoever. I have been violated and I am requesting and demanding that these matters be taken care of immediately, Deleted. As the law states. 15 U.S.C. 1681a, Sec 2 Exclusions 1 states, ) They are not allowed to share any information with third-party entities and they have indeed done so.

Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. You are not allowed by Law to report late Payments to anyone without my Permission.

( A ) subject to section 624, any 1 ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; And the fact that these companies have shared my personal information with third-party entities is a violation of my rights and it is against the law. I am demanding that the late payments be deleted from my credit report from the following violators. I will continue to press this matter until it is completely resolved, and I am asking that a full investigation be done. They have shared information in regard to my personal accounts with third-party entities without my consent or permission. 

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  I am requesting that these late payments be deleted from my account as they are a violation of my constitutional rights. And further a violation of 603 - 15 U.S.C. 1681a.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 1 account was opened in my name. I went on to ask them to validate the account and remove it if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed account and that I hadn't heard from them yet. 

I am sending the third letter to them today, XX/XX/2023, letting them know that I still have not heard from them and that further action will be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm that they have done a single thing to protect me and my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experien credit reporting agency failed to update my credit score in the past 6 months. They failed to update credit report in past six months per consumer request as well. The law reads non compliance is a - {$1000.00}. Fine. RSVP- thank you.
Product: Checking or savings account

Back in XXXX 2016, I opened a simply right checking account with Santander bank which has no monthly fee if you make at least one transaction, starting in XX/XX/XXXX Santander bank started charging me {$35.00} dollars every month for monthly fee which I didnt notice until now, I called the bank and told them what was happening and I was told that my account was being charged this monthly fee because I had a premier bank account that I never requested to get upgraded. The representative downgraded my account back to simply right checking and said that I was go na see the fees back to the account, days passed and nothing, called back again to see why the {$280.00} worth of fees that the bank charged didnt come back, the representative said there was no request to refund the fees but that she could only refund me 2 of them, the bank only refunded me {$70.00}, I still want all my money back since I didnt sign up for that. {$210.00} needs to be sent back to me
Product: Checking or savings account

I am writing to file a compliant against Navy Federal Credit Union regrading multiple overdraft fees incurred. Despite having sufficient funds when transactions was authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against Navy Federal Credit Union for similar practices for transactions settled with insufficient balances despite initial available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

On XX/XX/20, I called Bank of America because on their web site it says that the customer can request refunds for overdraft fees, non-sufficient funds fees, and monthly maintenance fees through the banks Client Assistance Program ( CAP ). When I called, the lady tried to tell me that I can only request the credits but that the bank can deny the credits too. That the bank would only credit back any fees that were a result of fraudulent charges. I asked why then does the B of A web site say that the bank will credit back the fees and does not state anything about only crediting back fees that resulted from fraudulent charges. Bank of America is completely lying to all of their customers telling everyone that they will credit back the fees as a good jester because of the coronavirus. The bank will not credit any fees back. This bank is blatantly lying and misleading their all of their customers. They should be held responsible for what they said that they would do and credit the fees back.
Product: Credit reporting

I submitted documents to Equifax showing that I filed for a Chapter XXXX bankruptcy that has been XXXX. Equifax reports that my bankruptcy is a Chapter XXXX and refuse to update their records. The bankruptcy was filed on XXXX 2008 so it should be removed from my bureau. XXXX and XXXX have deleted it already.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$500.00} XX/XX/XXXXXX/XX/XXXXXXXX Balance : {$0.00}XX/XX/XXXX Balance : {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX XXXX  ( Account # XXXX ) has violated my rights. 

15 U.S.C 1681 Section 602A. States I have right to privacy 15 U.S.C 1681 Section 604A Section 2. States a consumer reporting agency can not furnish a account without my written instructions which I did not give.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received today an updated TransUnion credit report. There is an account that is showing as adverse ... XXXX  ... .this account was never paid late back in XX/XX/2013. I have contacted the creditor personally a few times and it has been agreed that the account will be corrected and put on my credit report as a satisfactory account that is paid as agreed. They put the status as paid as agreed but yet listed it as an adverse account which is affecting my credit score. XXXX has corrected the issue as of date. TransUnion will not correct my credit report.
Product: Checking or savings account

Square restricted and deactivated my account and holding funds for no reason. this is illegal after so many account reviews saying i am good to go. they are holding my funds and wont release it
Product: Mortgage

My finance company ( PennyMac finance has taken money from my account and made second payments for several months last year. I have tried to work with them, but no luck. They also made insurance payments to XXXX insurance companies even after I notified them XXXX was canceled. The money that was returned from the canceled insurance company was not put back in the Escrow account, but was used to make extra monthly payments on my loan. I was also charged a late fee although I have Bill Pay and mu mortgage payment is sent to PennyMac on the XXXX of every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early XXXX I contacted the company in regards to XXXX XXXX  that on my credit report and asked about the method of verification also for proof of verification I was never sent this information on letters stating that they verified it but dont state how nor was any proof given I was told that it was verified through XXXX XXXX also that they purchased my info from them they also advised me that they received this through third party public information This alone is violations under FCRA 623 ( a ) ( 5 ) state if the if the credit bureau cant Validate the information with the original creditor they must remove the information from my credit report also be aware no court in America validates nor report to any agency or bureau YOU HAVE 15 days from receiving this to validate this or else remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018. I applied for a credit card and somehow it became a loan application. So, today XX/XX/2018 I called into the company and made a request to cancel the application because it was not what I thought it was ( credit card ). I also asked for the hard inquiry to be deleted from the credit reporting agencies. I spoke with XXXX who said he would transfer me to his supervisor XXXX in verification dept who would delete the hard inquiry. Now, XXXX says she can not remove the hard inquiry from my report. 

I thought I was applying for a credit card yet it was a loan instead, very misleading.
Product: Credit reporting or other personal consumer reports

I am refilling formal complaint to EXPERIAN for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letters to them so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting or other personal consumer reports

I am writing to notify you of fraudulent accounts and inquiries on my credit report due to a recent identity theft incident. I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) regarding this matter ( Report Number : XXXX ). The breach resulted in several accounts being opened in my name and unauthorized credit inquiries, which have significantly impacted my credit score and financial standing. The following is my full statement of the crime : I was the victim of a data breach that led to unauthorized use of my personal information, including my name and Social Security number. Fraudulent accounts were opened, and inquiries were made without my knowledge or consent. The unauthorized accounts and inquiries are reflected on my credit reports with Equifax, XXXX, and XXXX. This breach has caused a decline in my credit score, and I am now being held liable for debts I did not incur. 

Affected Accounts : The following accounts were opened fraudulently using my personal information. I request their immediate removal from my credit file : 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  ) Fraudulent Credit Inquiries : Additionally, the following credit inquiries were made without my authorization and need to be removed from my credit reports : 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 These accounts and inquiries were not initiated or authorized by me, and I am a victim of identity theft. As such, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I request that these accounts and inquiries be permanently removed from my credit reports, and that any associated collection activity cease immediately. 


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

I have contacted my mortgage company Selene Finance on several occasions regarding my credit bureau report. They are not showing an open account and haven't been reporting my payments over the last two years. My last call to them was on XX/XX/2019 and I spoke to XXXX who advised that he would escalate my concern and I should expect a response with 24 hours. I have yet to hear back from the company. I am never given the opportunity to speak with anyone else but the representative that answers the phone. All other customer concerns have to be done via email. This is causing much distress as it is effecting my credit score among other business dealings.
Product: Student loan

1. Misleading Borrowers About Income-Driven Repayment Plans : Navient has

consistently provided inaccurate and misleading information about Income-Driven Repayment ( IDR ) plans, causing borrowers to make ill-informed decisions regarding their student loan repayment options.

2. Botching Payment Processing : Navient has demonstrated significant issues with payment processing, leading to misplaced payments, late fees, and unnecessary stress for borrowers.

3. Harming the Credit of Disabled Borrowers : Navient 's mishandling of accounts for disabled borrowers has resulted in unjust harm to their credit scores despite their eligibility for loan discharge due to disability.

4. Deceiving Borrowers About Cosigner Release Requirements : Navient has misrepresented the requirements for cosigner release, misleading borrowers and their cosigners about the necessary steps to release the cosigner from the loan obligation.

5. Misleading Borrowers About Improving Credit Scores and Federal Student Loan Rehabilitation Consequences : Navient has provided false information to borrowers regarding improving their credit scores and the consequences of federal student loan rehabilitation, leaving borrowers in a worse financial position.
Product: Student loan

Every year I have to re apply for the income based repayment option because I can not afford to pay {$700.00} to {$800.00} per month for my student loans. You have to apply prior to the plan running out. And each year I apply at least a month before as suggested and it still takes months to get it to go and in the mean time I am put on deferment or forbearance. I do not like these options it does nothing to assist with the interest at all so the balance keeps getting larger and larger. Each time I apply I provide my paystubs showing my income and I even provide a break down of the bills I have to pay each month as well as how many live in my home and my spouses income. Every time they keep asking Repeatedly for the information I have submitted over and over. Navient has also make it more and more difficult to locate and print out the application needed to apply. You have to call them to get someone to navigate with you to get the forms and while doing this they are attempting to collect. The automatic repayment amount of 1 % of the loan balance is way out of reach for most if not all borrowers. When you have over 30,000.00 in loans paying XXXX on top of mortgages, rent, car, insurance, utilities ect this 1 % is not feasible at all. This needs to be rethought out by the government. It needs to take into account the borrowers debts not simply their gross income. But what they are bringing home and what living expenses they have.
Product: Debt collection

LVNV FUNDING LLC  XXXX   C  O RESURGENT CAPITAL SERVICES  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  SC XXXX  (  XXXX  )  XXXX , has re-aged  XXXX  accounts on my credit report according to the original creditors date of first delinquency. In addition, LVNV FUNDING LLC has not verified that this debt belongs to me before posting to my credit reports. This is another violation of the Fair Credit Reporting Act.     Creditor Name-LVNV FUNDING LLC Account No. XXXX *** Orig inal Creditor-  XXXX    XXXX    XXXX   XXXX   XXXX  Original Balance  XXXX   Date Opened- XX/XX/2017  Date Reported- XX/XX/2017  Creditor Name-LVNV FUNDING LLC Account  XXXX  Original   Creditor   XXXX    XXXX    XXXX   XXXX    XXXX   Original   Balance-    XXXX   Dat e Opened-  XXXX  Date Reported XXX/XX/2017
Product: Credit reporting or other personal consumer reports

So fast forwarding to today ( XX/XX/XXXX ) these 3 ILLEGAL accounts still remain on my Equifax, XXXX, and XXXX bureaus. Not only are these accounts ILLEGAL, they have the nerve to keep reporting failed payments as of XX/XX/XXXX which keeps DRASTICALLY dropping my credit score. This is beyond illegal. Please remove these items off my credit report. I will not stop disputing! For someone to keep opening and reclosing and account on your credit bureau that is FRAUDULENT does a LOT of damage to your score. Please remove these items ASAP. The opening and reopening of fraudulent accounts, with added remarks is ridiculous. I am STILL going through a NIGHTMARE after these FRAUDULENT accounts were opened in my name and the creditor feels they can reopen anytime when its FRAUDULENT! They are reporting to my bureaus as LATE PAYMENTS on XX/XX/XXXX FOR THESE ACCOUNTS that were illegally opened without consent and the re-opening and closing of these accounts WITH UPDATING INFORMATION SAYING THAT PAYMENT IS LATE AS OF XX/XX/XXXX WHEN FOR THE LAST 120 DAYS I'VE DISPUTED AND TOLD YOU THESE ACCOUNTS ARE FRAUDLENT!!!! THE LAST 4 MONTHS I KEEP GOING THROUGH A NIGHTMARE. SHOULD NOT BE ABLE TO KEEP DOING THIS TO A CONSUMERS REPORT! ITS LIKE THEY DONT CARE. PLEASE REMOVE THESE ITEMS!! 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please UPDATE my current address on my credit reporting to : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX AND please REMOVE all other previous addresses like : XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX, XXXX XXXX OR XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX Thank you!
Product: Credit card or prepaid card

On XX/XX/2022 I showed a charge on my credit card account of {$430.00} from XXXX XXXX located in XXXX Texas, once I noticed the charge pending I immediately disputed it. The charge was removed from my account and I assumed everything was good, I was contacted by Usaa on XXXX XXXX while I was at a doctor appointment by a fraud investigator from USAA and he stated who he was and got straight to the point that I was liable for the charge that I had disputed and was on a recorded line, I couldn't talk so I called back the next day and tried to speak to someone about the charge and have only been told that I am liable because they claim the chip card was present when the card was charged, I have another charge on the same day here in XXXX XXXX Tx. proving I was here but yet I am being forced to pay for a service I am positive I did not use or request, I also contacted XXXX XXXX requesting the invoice but they said they can only provide it by providing them the phone number that was given when the service was requested, I don't know the number because I didn't request any service. I uploaded documents to USAA showing that the company in question does not provide services in XXXX XXXX and only provides services in the XXXX XXXX area which is XXXX hours away. The charge was put back on my account and USAA has failed to reach back out to me as I requested to speak with a credit card Dept Manager or higher and remove this charge, I have chat transcripts that have a USAA representative stating that they show the transaction was done through apple pay so I am confused with their finding.