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

Initial Disputes were made XX/XX/2024, investigation was not properly conducted nor delivered by all the reporting agencies. Improper remarks reflected on report as such account is previously marked as " in dispute '' but is currently labeled as " resolved per your section of Creditor Remarks.

account previously in dispute? Now resolved? Reported by Subscriber is the exact grammar and wording used in report a picture of the report will also be included in this complaint. All the errors and unfair practices they are utilizing is hindering my entire creditworthiness and reputation.
Product: Student loan

Loans transferred to Nelnet from Great Lakes. 
Took me out of my PAYE to default standard payment. 
Did not effectively sign me up for SAVE. 
XXXX IDR request received at NelNet from Student Loans.gov XXXX Additional Paystub was requested and submitted even though they have my tax returns from Student XXXX XXXX Told from Nelnet still in processing XXXX Shown that I'm in standard repayment despite all this. 
XXXX Sat on hold for XXXX hrs+ customer sales rep finally answers pretends to not hear me on phone and hangs up. 
XXXX Called back still on hold it is going on XXXX hrs+ again.
Product: Debt collection

I have always had medical insurance. XXXX hospital made an error in their billing and they state that I owe them money and I do not. Collections Consultants calls and harasses me stating they will sue and take me to court. I once tried to pay off a debt of XXXX which was the only amount that it showed I owed and when I tried to pay they did not accept it they stated that I owed over XXXX. This company seems very fraudulent and they operate like an organized crime group full of uneducated thug like individuals. Please shut them down. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX SELF-REPORTED XXXX Balance : {$55.00} XXXX  SELF-REPORTED XXXX Balance : {$25.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX  SELF-REPORTED XXXX Balance : {$15.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX CHEV XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

This debt was from XXXX XXXX. When I first moved into house I 'm in now I wanted to put XXXX in house and I was told by XXXX I could n't until I paid the XXXX XXXX account, so I made a payment agreement and they put XXXX in the house and I paid two XXXX bills at the same time monthly. After 6 months the XXXX XXXX account was paid in full. I do n't owe this account anymore.
Product: Debt collection

Portfolio is reporting negatve information on my credit report & I 've asked them to pleas eprovide verification that this account belongs to me. They ignored every request sent submitted. I first disputed the account with all XXXX credit reporting agencies. They reported it verified. I then sent requests in directly to them & they have ignored all my requests. The last letter submitted was dated XXXX/XXXX/2016. At this point this company is violating the FDCPA & FCRA. I would like the information removed immediately.
Product: Debt collection

I checked my credit report in XX/XX/XXXX. I saw a from AD Astra saying it was owed to a company name XXXX XXXX in the amount of {$590.00} from XX/XX/XXXX. I sent the company a letter XX/XX/XXXXcertified mail asking them to send me the contract I signed and to validate the debt. They sent me a letter stating it is valid and a contract with my name printed on the form with an address that does not belong to me. This debt has not been validated and they refuse to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) I never received any service from XXXX and I was told by the representative that there would not no charge however, shortly thereafter I received a huge bill in the mail. I immediately called and told the representative that this bill was submitted in error and I again asked why I was I being charged to pay for a service I never received. Because they apparently still had me in their billing system I requested they cancel the account. After cancelling the account I received a letter from XXXX stating if I didnt make payment arrangement to them they would be sending this account to collections. I called and told them this account should NOT go to collections because I never had service and therefore never had an account. They would not honor their previous commitment to not send this account to collections so I had no choice but to make payments to XXXX to avoid any collection. I set up payments of {$25.00} per month to be automatically withdrawn from my account until this was paid-in-full. I was making the scheduled payments and ( 90 ) days later I received the collection paperwork in the mail. I called the collection company and told them about the payment arrangements I had made with XXXX. They told me to turn around and call XXXX, which I did. XXXX told me that the account wasnt resolved and paid-in-full within the ( 90 ) day time frame, so consequently they sent the account to collections. I informed XXXX that I was never told about the ( 90 ) day time frame and that we had made arrangements to pay this account off at {$25.00} per month until paid in full and that the account would NOT go to collections. XXXX did not honor their agreement and sent the account to collections regardless. XXXX never provided me any service however, they still were able to force me into paying them money they were never intitled to by threatening to send me to collections if I didnt pay them. I agreed on the terms of the monthly payments and they lied and sent me to collections anyway. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past XXXX month I tried to clear up wrong information with XXXX and XXXX Bank and XXXX XXXX ) XXXX XXXX close XXXX of my account base on incorrect information from XXXX XXXX Home Depot Credit card and XXXX XXXX ) These account has never been late. After speaking with a Attorney, I was told XXXX XXXX report to the companies they represent, I 'm a risk to do business with them. I have done business with XXXX XXXX and XXXX XXXX over 1XXXX years my account has never been late. What is the risk?. This is a marketing strategy XXXX XXXX use to make money on the consumer backs. Where are my rights? XXXX XXXX knows credit reporting companies are always reporting incorrect information. They do n't care about the consumers. Had I known this I would not have applied for these cards. Can I suit XXXX XXXX, XXXX XXXX, XXXX XXXX for the hardship they created for my husband and I. I do n't remember signing an agreement with this authorization. When will the CFPB hold the credit reporting companies accountable for hurting the consumer time over and over. When you are conducting financial business the opportunity can be huge for you and your family. Because of bad information the credit reporting companies kills it every time. Please help the consumer. Companies like XXXX need regulation from hurting the consumer.
Product: Vehicle loan or lease

On Tuesday, XXXX XXXX, we requested to payoff the loan for a car we purchased on Saturday, XXXX XXXX. XXXX XXXX XXXX added a more than {$170.00} charge to the purchase amount, less than one business day into the loan. 

The agent on the phone said it was the interest accumulated. We explained that the contract we signed said that interest would not be charged until XXXX XXXX, XXXX. He said that he could not escalate the issue because the managers were not in the office. I explained that I was ready to pay off the loan for the full loan amount agreed to in the contract and that we can talk about the fee another time when the manager is available. He said he couldn't do that. He put me on hold three times over at 58-minute period and then hung up the call.

I am currently on hold again trying to get this car paid off. I do not think its acceptable to charge $ XXXX in interest for a loan that is less than one business day old and those are not the terms of the contract. It specifically states no interest until XXXX XXXX XXXX 

I am also registering this complaint with Kia Finance as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Equifax, XXXX, and XXXX of the following collection : XXXX XXXX XXXX for {$250.00} not being validated. On XX/XX/18 I requested that the bureaus conduct an investigation and validate this account as I have been unsuccessful. Neither bureau has been successful in validating the collection but they all continue to report in as a " verified account ''.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report to see how my credit was doing, I noticed that I've been a victim of Identity theft and found numerous credit inquiries that I have no knowledge of with all 3 known credit bureaus.

The list is as followed. 

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 XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX PLEASE remove these fraudulent inquiries from my credit report.
Product: Debt collection

on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.C 1692g. This agency fail to respond satisfactorily with deletion of the accounts that are reporting on my credit report it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted and to cease all collection activities immediately or I will file for litigation which I will be seeking {$3000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Credit card or prepaid card

I have called them trying to resolved my issue but they gave me little to no help. These missed payments from both accounts I have with capitol one is stopping me from securing a home for me and my children. The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 
Capitol One XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX  has violated my rights. On XX/XX/2022 there was an unauthorized inquiry. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

We applied for construction-to-permanent loan from BB & T bank in the beginning of XX/XX/XXXX. We were approved for the construction-to-permanent loan in the amount of {$680.00}. 
Based on agreement between BB & T and us, construction loan money will be transferred in increments, pending on completion of each step of the project to our checking account within BB & T bank. Money transfer should be upon our authorization, and from our BB & T checking account money were paid to the builder. 
Construction began in XX/XX/XXXX, and 98 % of house project was completed by XX/XX/XXXX,  where {$630000.00} out of available {$680.00} were distributed properly based on our agreement. The person who was handling transfers from construction loan to checking account was XXXX XXXX, ( construction loan administrator ), contact number : ( XXXX ) XXXX - XXXX ; e-mail : XXXX XXXX XXXX, XXXX XXXX XXXX stopped transferring money from construction loan to our checking account, despite our multiple request. Nevertheless, she transferred money in nine increments in total amount of {$53000.00} in the period of two and half month, begging XX/XX/XXXX till XX/XX/XXXX to unauthorized account, without single conformation with us. Upon receiving in XX/XX/XXXX monthly construction billing statements, we have noticed few unauthorized draws in amount of {$30000.00}. Immediately we reached out to XXXX XXXX via e-mail and phone call, requesting explanation on suspicious, unauthorized draws, and asking to stop activities on our account. Despite multiple attempts to reach out to XXXX XXXX, XXXX XXXX ( loan officer originator ), and XXXX XXXX, ( construction loan administrator manager ) to resolve our situation, no one reached out to us. On the contrary, money from construction loan were continue to be transferred to unauthorized accounts without any of our knowledge, and by this time {$53000.00} are missing from our construction loan. We try to call, e-mail, and even went personally to the BB & T bank to resolve the situation, but no one could give us any explanation or answer. Because of inability to pay our current construction payments, construction is on hold, interested on unaccounted money has been accrue. We asking regulators on our behalf to reach out to BB & T and ask them to initiate investigation, also we would like BB & T to reach out to us in writing, informing us that investigation has been launched. In addition, BB & T needs to return improperly disbursed {$530000.00} to our BB & T checking account, so we can pay to our builder to complete the house.
Product: Credit reporting or other personal consumer reports

Capital one auto finace XX/XX/23 did not authorize XXXX XXXX XXXX XX/XX/23 did not authorize XXXX XXXX XXXX XXXX XXXX XX/XX/23 did not authorize XXXXXXXX XXXX XX/XX/23 did not authorize XXXX XXXX XX/XX/23 did not authorize Capital One auto finance XX/XX/23 did not authorize
Product: Debt collection

This is a follow-up complaint to National Credit Systems ( NCS ) response to my original CFPB complaint # XXXX. 

NCS XX/XX/XXXX response fails to provide any reasoning, legal or otherwise, to substantiate their claim that I owe XXXX XXXX {$2600.00}. NCS provided two file uploads : ( 1 ) a resident ledger account and ( 2 ) an abbreviated form of the lease agreement, which, without explanation, they state proves that I owe this amount. 

Neither of these two files proves any legitimate claim to {$2600.00} for the following reasons. ( 1 ) The resident ledger - property manager XXXX XXXX typing a line item on a piece of paper that I owe rent responsible, or cleaning, or anything else is not in-and-of-itself proof of anything at all. ( 2 ) The abbreviated lease agreement does not contain any provision to substantiate withholding my security deposit for any so-called cleaning costs - and typically Landlords can not charge for normal cleaning attributable to normal wear-and-tear. Furthermore, no Lease provision substantiates the former Landlord charging for any so-called rent responsibility.

The Collection Agent ( NCS ) has a duty to investigate and provide, at a minimum, a basic reasoning to substantiate their claim for {$2600.00} - which they have failed to do. And they have failed to do it, BECAUSE THERE EXISTS NO LEGITIMATE CLAIM FOR THESE FUNDS. 

Out of an abundance of cooperation, I have provided to NCS, in XX/XX/XXXX, relevant sections of the Florida Residential Landlord Tenant Law, which I have again provided here, to demonstrate XXXX obligations under that law, that they have failed to comply with. Specifically, Section 83.595 ( 2 ), by failing to exercise good faith in attempting to re-rent my unit.
Product: Credit card or prepaid card

I have more than a month I submitted by fax a dispute case number ( XXXX ) to Barclays Financing Mastercard, for {$9000.00} that I used with the card ending on XXXX to paid a tutoring service that never was rendered and at the end I realized was a fraud, I already reported to the FTC and also I sent to the Bank Barclays many faxes with all the documentation involved and necessary, as the emails I sent to the company requesting the services, Barclays contact me two weeks ago to do the investigations and I let them know the reasons and they just let me know that investigation will continue, after that I keep calling and there is not a phone number I can get contact with someone and explain me what is happening, after that the amount in dispute still on the account with all the interests while on my first letter I requested to be corrected on my statements since the amount is in dispute and also as a card member I have the right to be refunded for any fraud carried out on my account plus any interest I paid. No just didn't get my statements corrected Barclays also closed the account without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 I contacted XXXX via correspondence by mail to remove XXXX XXXX, XXXX and Navy federal Credit Union off my Credit Report. I have contacted each company twice by a formal letter and over 10 times for each company via phone. I was a victim of identity theft and also provided all documents each company requested ; including the identity theft reports. I have provided the burden of proof numerous times and nothing has been done. As a result, I was released from my job do to these reporting on my credit and have been denied for 2 jobs. I am a XXXX in the XXXX XXXX. I have been denied for 3 homes for my family and myself. Law.states : As per the Fair Credit Reporting Act, Section 609 ( a1 ) ( A ), it is required by federal law to physically verify the original signed consumer contract for any accounts posted on a credit report This verification process is essential to prevent fraudulent accounts from being included in the reports. especially since individuals pay for these reporting services I have demanded multiple times to see verifiable proof ( i.e. : an original consumer contract with my signature on it ). Not one of these companies have complied and sent proof. This is my last attempt to demand these accounts are removed. If not, I will be suing each company and each credit bureau seeking maximum damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX has violated my rights. 

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