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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have been disputing for 6 months and this company has broken several FCRA violations. This company has sent STALL LETTER AFTER STALL LETTER AND OFTEN JUST IGNORED DISPUTES! Instead of addressing the actual problem which is another FCRA violation. I will be filing an additional compliant with the XXXX  and XXXX! The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the SEVERE financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lease via XXXX XXXX. Due in XX/XX/2020. All lease contract obligations were paid in full on XXXX, paid via bank including any turn in fees, etc per the contract. Vehicle was turned in to dealership on XXXX. Dealership accepted vehicle and provided turn in paperwork to me. Lease/ Loan debt was fully paid as indicated by XXXX XXXX credit report update issued on XXXX showing that account was paid in full and has a XXXX balance. Experian Credit Agency XXXX. 
Credit agencies receive report that my loan is past due by {$390.00} on XXXX, though they indicated it was paid in full on their credit report submission on XXXX. They are now saying that an early termination fee is due, though I paid the account in full to satisfy all contract obligations. 
I have contacted XXXX XXXX only to be told that that is their policy and therefore could not be helped. 
I have disputed any claims of delinquency via Experian and XXXX XXXX credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally address the inadequate response from XXXX  XXXX XXXX, XXXX, and TransUnion regarding my dispute of a late payment allegedly reported in XX/XX/year>. While the institutions claim the information is " accurate and verified, '' they have failed to provide the necessary documentation and steps taken during the investigation to ensure compliance with federal consumer protection laws.

Key Issues 1. Failure to Provide Investigation Procedures As required under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to : - A detailed explanation of the investigation process.

- Documentation supporting how the late payment was verified.

To date, none of this information has been provided. Without it, their claim of accuracy is unsupported and can not be substantiated.

2. Violation of Billing and Reporting Requirements XXXX  XXXX XXXX has not demonstrated compliance with : - 15 U.S.C. 1666b ( TILA ) : Requiring billing statements to be sent at least 21 days before a payment due date.

- 15 U.S. Code 1681s-2 ( a ) : Requiring furnishers to ensure the accuracy and integrity of the information reported to credit bureaus.

3. Dismissal of Provided Evidence I submitted substantial evidence, including a no-fault letter from a third party and bank statements, showing this late payment was inaccurately reported. Despite this, my dispute was summarily dismissed without any acknowledgment or consideration of the evidence provided. 

XXXX. Inconsistent Reporting The late payment alternates between XXXX and XX/XX/year> across credit bureaus. This inconsistency further demonstrates a lack of accuracy and compliance with the requirement to ensure maximum accuracy in reporting. 

My Formal Requests 1. Provide Investigation Details - A complete summary of the investigation process, including the steps taken to verify the disputed information.

- All supporting documentation used to substantiate the claim that the late payment is accurate.

2. Immediate Removal of Late Payment If the investigation details and supporting evidence can not be provided, I request the immediate removal of the late payment from my credit reports.

3. **Resolution Confirmation** Notify me in writing once the inaccurate late payment has been removed or fully corrected, including updated and accurate copies of my credit reports.

Final Note I have already followed the appropriate procedures and provided the necessary evidence to demonstrate that this late payment was reported in error. If the requested documentation can not be provided, XXXX  XXXX XXXX, XXXX, and TransUnion must comply with federal law and remove the inaccurate information from my credit reports immediately. 

This matter has caused significant financial hardship, stress, and damage to my credit standing. I expect this situation to be resolved promptly and with full compliance with all applicable laws. 

Thank you for your attention to this matter.
Product: Credit card

We have been repeatedly getting {$35.00} payments taken from our checking account for a credit card that has been closed. I called to find out what was going on. I asked them to send me a new card if the account was still open. They said the account was closed and they couldn't help me in canceling this auto-payment. They said it wasn't set up on their end but we didn't have it set up on our end. 

For months now, they have been deducting {$35.00} a month from our checking and then sending us a reimbursement check every 3 months. We want them to cancel this auto-payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of XX/XX/2022 an account with Net Credit was reported to the credit bureaus, this account was established in XXXX of 2022. I have knowledge of this account. I contacted Net Credit Customer Support at ( XXXX ) XXXX XX/XX/2022, I started calling to get information on this fraudulent account. I have been calling for almost a month and can't get anyone on the line. After the initial introduction on the automated call there is nothing but silence on the line, I than sat on hold for over 30 minutes multiple times over the course of a week and a half with never being to speak to someone. I found a contact email XXXX on Net Credit website www.netcredit.com but was told they couldn't give me any information because the email I was communicating from was on the account. I replied stating I have no Idea what email or phone number is on the account because I didn't start the account. I sent an email asking for validation of the debt to be sent to my home address but have yet to receive it. Calling into Net Credit isn't getting me anywhere either which makes me feel like the company is a scam and does things like this all the time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C. 1681 sections 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 SA Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1581c. ( a ) ( 5 ) Section State : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have been named successor to my mothers late husbands estate. I also hold durable power of attorney for my mother. I have attempted to communicate with OCWEN on numerous occasions, to no avail. I am curious to know why, XXXX XXXX, who was a whistleblower VS. XXXX XXXX XXXX XXXX XXXX His name was FORGED, on a document that is associated with my mothers paperwork. XXXX XXXX name was authenticated by his attorney XXXX XXXX, thru a sworn affidavit. 
I also am curious to know why my mother was approved for a principal reduction of XXXX XXXX dollars, with a 2 % interest rate, in a letter from OCWEN, on their site, that was never sent to us? Is it maybe due to the cease and desist in Massachusetts? 
I would appreciate an answer from Ocwen, since they seem to believe they do not owe me one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information on my XXXX, XXXX  and equifax reports. All three bureaus sent me a letter stating the information was verified. I politely sent a method of verification letter asking who verified it, what was their title and what department and what phone number do they have. I have not heard back at all about my method of verification request.
Product: Credit card or prepaid card

On XX/XX/2023 I sent {$130.00} to XXXX XXXX for a downpayment for goods that was supposed to be delivered to my house. That was the name in the email and XXXX told me it was her grandson 's email. When that didn't happen, I asked for the address to pick the items up myself and was given an incorrect address over an hour away from me. I ended up at XXXX XXXX 's house and he even said I wasn't the first one who had gotten scammed. He had never heard of any of these people before. XXXX XXXX sent me the wrong address on purpose and then claimed I must have went to the wrong address and sent me a picture of her house and camper the stuff was in. He even told me to file a police report because I was not the first person who had showed up to pick items up that he had no clue about. I tried but the police came to my house and said they could do nothing about it. XXXX also texted me recently again and told me she had sent more people out there to his house! He said if I needed him as a witness, he was more than willing to be one. If needed, I can send in the communication thru XXXX XXXX that I have between us.

The other two transactions was sent on XX/XX/XXXX to a XXXX XXXX. I was told that was her granddaughter and to send the money to her. I sent two payments equaling {$120.00}, so {$70.00} & {$50.00}. I never received the items I purchased and was never given a refund. Paypal told me although it was fraud, they could do nothing about it and is not willing to give me a refund although in my paypal account when I look it up, the {$130.00} says transaction refunded which it wasn't. I did speak to them over the phone and they didn't know why it said that but said they'd send me an email with an explanation that I still have not gotten. I paid a lot of money for items I never received and all I want is my money back. I even sent an email to a XXXX XXXX asking for my money back and never got a reply. 

Are you willing to help me get my money back?
Product: Student loan

I received a digital letter from Navient on XX/XX/year> that can be found on my Navient portal upon logging in. This letter denied me my application for the School Misconduct Discharge application that I had sent in the previous months and was periodically requesting updates on. Ironically, on XX/XX/year> I also got an update from Navient stating that on XX/XX/year> XXXX would be taking over my Student Loans. Odd. 

The denial of my application was very vague and essentially a default statement that doesn't specify why my School Misconduct Discharge application was denied ; despite me submitting tons of documentation, evidence from a community college I went to after attending XXXX XXXX XXXX XXXX, and answering or providing all the required questions/materials to my fullest potential. I called Navient 's hotline number specifically that directs to the School Misconduct Applications advocates and I was told the same generic reason as to why my application was denied and the customer service associate specifically told me to re-submit with more material, be as detailed as possible, and hand over any evidence or anything to help support the application process. Again, I already did this, I even went to lengths to provide evidence that the school I attended after The XXXX XXXX XXXX XXXX did not have credit transfers because XXXX XXXXXXXX XXXX XXXX is labeled as a non-credited institution, this letter was printed from the community college, signed, dated, and I attached my transcripts from the community college I attended after XXXX XXXXXXXX XXXX XXXX 

I want to ensure I am doing the correct things, and I am re-submitting my application with slightly more evidence, and a bit more detailed in the next day or two. I am submitting this because of the vague generic answer Navient gave me, and to ensure my private loans are discharged due to the misconduct of the Art Institutes that I was affected by and due to FTC Holder Rules.
Product: Checking or savings account

Let me start by saying that this was the first time I've started using this account. Before now, it was barely utilized. On Tuesday, XX/XX/XXXX, my account ending XXXX had {$5.00} available at the beginning of the day. At XXXX PM, a XXXX credit from XXXX XXXX was made, bringing my balance to {$100.00}. I then made XXXX transactions with XXXX for {$21.00}, {$25.00}, and {$36.00}. These transactions were made on XX/XX/XXXX at XXXX XXXX, XXXX XXXX, and XXXX XXXX respectively ( all times XXXX ). My CLEARED balance starting XX/XX/XXXX was {$120.00}. The next evening ( XX/XX/XXXX ) the XXXX XXXX transactions, along with XXXX other transactions for {$39.00} ( in addition to the XXXX transactions ) cleared, bringing my ending balance on XX/XX/XXXX to $ XXXX due to a {$3.00} ATM. On XX/XX/XXXX, I was assessed XXXX overdraft fees totaling {$100.00}. The XXXX notice points to the XXXX XXXX transactions. Citizens customer service stated the same and refused to research the issue further. At no time did the account have insufficient funds. In fact, I had to wait for the XXXX on XX/XX/XXXX to come through before purchases could be made. Customer service further stated that because XXXX XXXX transactions were pending on XX/XX/XXXX, the fees were triggered. However, as stated, I received the {$100.00} zelle before purchases were made. I stay on top of my bank accounts and know what is in my account at any given time. Citizen only provided standard boilerplate responses and then said unhelpfully that they more about overdrafts than I do. I did not overdraw my account. There was no way to overdraw my account as the transaction were already previously declined on XX/XX/XXXX until the XXXX was received. And I never asked for overdraft coverage to cover fees in the first place. Please see the attached documents to support my case. XXXX ) Online banking printout showing account was never negative, XXXX ) copy of overdraft notice showing the overdrafts XXXX have potentially been triggered by pending transactions for XXXX, XXXX ) XXXX receipt number XXXX, XXXX ) XXXX receipt number XXXX, XXXX ), XXXX receipt number XXXX, XXXX ) the XXXX confirmation stating the time it was received.
Product: Student loan

I was given an amount to pay each month of XXXX as payback on my student loans XX/XX/2015. 
This year they are charging me XXXX based on no changes in my salary or status. I simply ca n't afford XXXX more dollars per month. 
When I call they put me on hold or disconnect me,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to purchase a home but XXXX is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau Experian, XXXX, XXXX.
Product: Checking or savings account

Dear USAA, my name is XXXX XXXX XXXX. I am a victim of identity theft. In 2012, I lived in XXXX XXXX and my personal information was compromised. Someone opened or tried to establish a relationship with the institution without my consent. I did not authorize this action. When I did try to start an account with the institution I was informed of this situation. There is a notice on my profile not to open any accounts in my name. I would like for that restriction to be lifted. My social is XXXX. I also recently filed for bankruptcy. As a safety precaution, I listed USAA as a debt. I will include the bankruptcy filing. Also I will include the police report and my ID and social.
Product: Debt collection

In XXXX of XXXX per AMCOL SYSTEMS INC they received several bills in reference to XXXX XXXX XXXX XXXX in XXXX, Texas. Per the company they contacted me in XXXX of XXXX and the line was disconnected. I was not in the country between XXXX XXXX, XXXX to XXXX XXXX, XXXX. Upon speaking with the company in XXXX, I requested validation of debt ( balance ) which was not provided and I disputed the information as I have dual coverage. Per XXXX XXXX the debt validation was issued to me on XXXX XXXX, XXXX roughly more than 120 days after receipt of I contacted my insurance company to determine the status of said charges and the medical Facility did not process through my insurance company. XXXX at XXXX XXXX XXXX room whom I spoke with on XXXX/XXXX/XXXX stated the insurance company was not billed entirely for the medical charges Rep ID XXXX. {$270.00} was the balance owed to the Physician and my insurance company paid {$500.00} on XXXX XXXX which was four days after date of service. They attempted to re-bill my insurance. XXXX XXXX XXXX/XXXX/XXXX billed and then XXXX XXXX billed {$640.00} bill wrote off {$120.00} and applied {$520.00} to deductible and they were billed again. My insurance company was not billed adequately resulting in inconsistent balances.
Product: Debt collection

On XX/XX/year>2024, PORTFOLIO RECOV called me at XXXX XXXX. I do not have any connection to this company. I have no contract with them. I have never spoken to them. I have never answered any of their calls. They are a collection agency that calls weekly and often during the day. I have tried to silence and block their calls but that does not work. They have no right contacting me about anything let alone before XXXX in the morning. The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt XXXX from placing repeated or continuous telephone calls. They are violating the Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

I Had an account with XXXX for over 12 years. Their service began to wain, so I switched carriers. My account at that time was in good standing and had not been under contract for many years. I paid the balance from the store of my new carrier when they swapped my number to the new phone. A few years later I began getting calls saying I owed them money. They have refused to provide proof. After a few collection agencies, it was sent to Southwest Credit Systems. I told them I don't owe them money and I'm not going to pay. they made calls to a few family members threatening " legal action '' and continue to call me after I told them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card company has reported utilization on my consumer report to XXXX, XXXX and XXXX without my permission. They also never notified me in writing that they were going to do this. This has caused me severe financial and mental distress. Now I'm unable to obtain personal and business credit. I'm unable to pay my bills and currently have no income. I attempted to get them to remove the unauthorized information but they ignored my request.
Product: Payday loan, title loan, personal loan, or advance loan

Loans have been paid back in full as of today. I reached out to the company to get a XXXX adjustment as I was having problems with getting caught up with payments. They told me each loan has a creditor and provided those names banks : ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX and ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. When I reached out to the creditor or bank the loan was issues through they said Affirm has that information on file. The banks do not have an account for me it is all through Affirm. Meanwhile, affirm told me I had to reach out to the creditors. I am looking for a goodwill adjustment from the payments made on the late payments reported to my credit report. Looked to see if they honored a PFD ( pay for delete ) arrangement with the collection agency but no one had an answer similar to that Goodwill adjustment requested In accordance with the fair credit Reporting act XXXX Account AFFIRM.COM [ affirm.com ], has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose..

THERE IS A TOTAL OF 11 LOANS WITH AFFIRM.COM THAT HAS LATE PAYMENTS REPORTED. I HAVE THE LOAN ID ACCOUTN NUMBERS WHENEVER REQUESTED. BELOW ARE THE PAYMENT AMOUNTS PAID IN FULL AND HOW MANY REPORTED PAYMENTS FOR EACH LOAN. 
{$660.00} *** {$770.00} 7 reported late payments : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 

{$290.00} *** {$330.00} * 5 reported late payments : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX 

$ XXXX {$290.00} * 3 reported late payments : XXXX XXXX $ XXXX {$180.00} * 4 reported late payments : XXXX XXXX XXXXXXXX XXXX. 

$ XXXX $ XXXX 6 reported late payments : XXXX XXXX XXXXXXXX XXXX. 


{$690.00} ** {$810.00} * 6 reported late payments : XXXX XXXX, XXXX XXXX. 



{$310.00} ** {$360.00} * 4 reported late payments : XXXX. 

XXXX *** {$220.00} * 6 reported late payments : XXXX XXXXXXXX, XXXX XXXX, XX/XX/XXXX. 

XXXX *** $ XXXX 6 reported late payments : XXXX XXXXXXXX, XXXX XXXX, XX/XX/XXXX. 

{$110.00} ** $ XXXX 7 reported late payments : XXXX XXXXXXXX, XXXX. 

{$360.00} ** {$420.00} * 7 reported late payments XXXX XXXX XXXXXXXX, XXXX.