23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Resurgent and lvnv sent me a document that says webbank and thats its not the dental bill but webbank and I recorded the agent saying that it was a XXXX debt however I was just sent a bill for XXXX again and they say its a web banks bill. 

Lvnv had purchased two of my debt from two different lenders it appears and will neeed to provided detailed verification of that debt with the original company owners names and payments made .. a debt has an original lender They will then need to explain why they are purchasing all of my debts and not paying attention to what they are or when the debts occurred all why I was getting XXXX XXXX company lending club and dentalvana added to my physical injury that I want to go to court for 2 XXXX XXXX. I need the detailed info on the company and the debt and how. Last week it was XXXX and is not now I also need a full breakdown of all my payments as the purchasing debtor can not purchase a debt without that I then want an investigation on why they purchased a debt and sent it to XXXX XXXX who I think I had a dont communicate unless in writing situation with after I was threatened by their lawyer previously because they took me to court on a student loan that is not supposed to go to court on according to the CFPB record which we found after.

But thats for me to know and for yall to find out In the state did nyc you have to give me an honest record of the debt in writing with the original lenders info. You can give me a one pager with XXXX as I thought this was lending club and well I want speak further on my next steps with that
Product: Debt collection

I received letters twice from Enhanced Recovery Co L regarding collections for a mobile device number not associated with me, on the back of the bill it tells you to pay at XXXX XXXX or XXXX XXXX. My husband contact Enhanced Recovery Co L, they tried to claim that the I owed {$1500.00} for an XXXX XXXX XXXX mobile number ; this is inaccurate. I believe the company is fraudulently trying to obtain my information, also they sent a fraud packet for me to complete. I didn't complete the packet nor pay the fraudulent bill. I have filed a police report with my local agency, the officer informed not communicate any further with Enhanced Recovery Co L, he believes this is clearly a scam, trying to obtain my personal information to use for other purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : BETHPAGE FCU  XXXX Date Opened : XX/XX/2021 Balance : Balance : {$18000.00}
Product: Credit card or prepaid card

I am a XXXX XXXX XXXX XXXX XXXX out of work now for 5 months. The DEO website for FLA is still unclear in recognizing the COVID relief benefits promised to individuals like myself. I received the letter attached but no Way2 card. I am happy this seems to promise relief but when do I receive the actual card? Who is the bank? And how do I deposit this card money in my bank for overdue bill pays? Lastly, do I need to report income somewhere if my business picks up? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fl XXXX
Product: Credit card or prepaid card

I went to live in XXXX for a year and I paid off my credit card in full. I asked the represetantive of Bank of America to make my Payment in full but did not include the residual interest. Since I left thinking I paid off my account, my account became past due even though I thought I paid off my account. Bank of America did this to allow me to incure more fees and income my credit. Thank you
Product: Credit reporting or other personal consumer reports

I've been trying for over a month to get fraudulent reporting off of my credit report. I filed one dispute, thinking that I could go back and file another, when in reality. You have to wait up to thirty days until the one dispute is closed, before you can file another. Also, now that the first dispute is clear, now I get an error message every time i log in to try and file a dispute. 

It makes no sense that I can't get see my credit report, there's always an error message, I can't file a dispute, because there's always an error message. Then when I talk to support, the have me to send screenshots of the message to some email address, only to get a response that they can't help with the issue. My transunion credit report is riddled with fraud, and I've gotten XXXX and XXXX both cleared up, I've had it. Something needs to be done. In addition to that, if you need to submit additional documents. They want you to mail them in, there's no online upload feature, no fax, or email. IT IS NOT 2004!!!!!!!!!!!!!!!!!!
Product: Checking or savings account

I received a text message from Truist fraud department on XX/XX/year>. Asking if I authorized XXXX toll to debit my account. I replied no. I called and canceled my card. They said the charge would not go through and still did. Then another charge from XXXX on XX/XX/year> after XXXX days and my card being cancelled went through. I called and told them I did not authorize that charge. I asked to speak to a us based representative and a manger they said they put in the not red for the dispute department and I should get it back. I never got anything in the mail from Truist requesting or providing me detail information. I explained I had several issues with the merchant and they are well known for doing this to customers. My account is now negative. And I cant access the funds I had in the account before.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is a fraud account as I have never opened or used it : XXXX account ending XXXX The attached original XXXX XXXX statement shows Suite XXXX as part of my address, but I never lived in that suite and it doesnt match the correct suite XXXX showing on my credit report.Please delete asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing dispute with Capital One on {$990.00} collection write off that I was forced to pay in XX/XX/XXXX. I had XXXX XXXX and on XXXX from XX/XX/XXXX until XX/XX/XXXX due to XXXX and unemployed. Had requested to be put on payment plan and they had agreed. Come to find out nothing had been done and put me delinquent XXXX - XX/XX/XXXX, showing 120-149 days late, stating dispute resolved. I did not approve having my credit history so reflect this for the next 7 to 10 years and negatively impact my loans and my family. Please help in rectifying this. We are also affected by current Covid situation and this is preventing financial hardship resolution.
Product: Vehicle loan or lease

The XXXX XXXX XXXX XXXX XXXX was repossessed on XXXX of XXXX and seized in the parking lot of my gated community. There was no just cause for the notice or early repossession policy. The car was towed from the property without the keys to the vehicle. There was full coverage insurance on the vehicle as well as new tires and rims that i purchased. The settlement was paid in full and no arrangement was made to give the vehicle back after the auction. The vehicle was arranged to be delivered back after settlement arrangements.
Product: Checking or savings account

We want to formally add our names to the list of people affected by the recent Capital One bank scheme to create the new 360 Performance Savings accounts without notifying existing 360 Savings account holders about the existence of the new product and the fact that the 360 Savings interest rates would no longer align with their marketing. 

Just from XXXX - XXXX, I calculated that we lost {$10000.00} in compound interest due to the scheme, and an estimated {$15000.00} - {$20000.00} if calculated back to XX/XX/XXXX when the 360 Performance Savings accounts were introduced. ( I don't have access to the 360 Performance Savings interest rates from XX/XX/XXXX to XX/XX/XXXX. We opened a savings account for our youngest daughter in XX/XX/XXXX, so it was automatically opened as a 360 Performance Savings account. I was able to get the difference in interest rates between the two account types from my archived bank statements. )
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XX/XX/XXXX I  cosigned on a private student loan from  XXXX   XXXX   ( n ow  XXXX   XXXX  ) through  XXXX   XXXX   ( no w Navient ). It came to my attention when I pulled my credit report in  XX/XX/XXXX  that  XXXX  additional student loans through Navient were on my account for  XXXX   XXXX  that I had not cosgined for. I filled a claim with Navient 's fraud department around   XX/XX/XXXX , a nd also filed a police report with the  XXXX   XXXX  police department in Texas.  <P/> After a brief investigation, Navient 's fraud department let me know that they could not verify my claim as fraud, due to the fact that there had been an online acknowledgement through my email of  XXXX  of the loans. However, I let the Navient fraud department know that I lived with  XXXX   XXXX  during the time of the fraudulent activity, and she had access to using my computer and email. Navient 's fraud department did not take further action to try and resolve my fraud claim.  <P/> Navient Account  XXXX  Loans  XXXX  and  XXXX  were not signed for by me. As a result of the fraud and the adverse impact on my credit report, I would like all cosigned student loans from  XXXX   XXXX  removed from my credit report and for me to be released as a cosigner for  XXXX   XXXX  for all Loans with Navient.  <P/> Please see attached documentation including Police Report and Navient fraud claim submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came to US in first time my life on XX/XX/XXXX arrived through XXXX XXXX XXXX, XXXX. Stayed three Days then moved to XXXX XXXX, XXXX. 
On XX/XX/XXXX hired at XXXX XXXX XXXX after that I tried to open an account with XXXX XXXX Bank but they informed me there was someone with same social security number already with a bank account but with different second name is XXXX XXXX XXXX, and my name XXXX XXXX XXXX XXXX. 
I received latter from Social Security Administration on XX/XX/XXXX as I had worked : 1- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer ID : XXXX worked from XXXX - XXXX 2- XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Employer ID : XXXX. Worked XX/XX/XXXX, but I came US inXX/XX/XXXX. 
In XX/XX/XXXXI received latter from Trans Union for Initial Fraud Alert.After I requested for Credit Report. 
In XX/XX/XXXX I applied for credit card at XXXX XXXX XXXX then they replayed me not approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by Navy Federal Credit Union attempting to collect a debt from me that I never contracted or agreed to pay. They've been reporting negatively on my credit reporting and defaming my character since XXXX XXXX. I sent a debt validation letter to them and have yet to receive a response. Navy federal credit union has never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that date furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer.

12 CRF 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 
Below I have attached a screenshot of all the inaccuracies attached to these accounts, along with these screenshots you will see the lack of integrity.
Product: Debt collection

On XX/XX/2022 I accepted an agreement to make three consecutive payments in exchange for an account to be removed from my credit reports. All payments have been made but neither company involved have followed through with agreement. I feel this would be considered fraud and a violation of laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive constantly contacted the credit bureau 's threw mail, online, and by phone and each time Ive communicated with them that there are several accounts listed on my credit report that are not mine. I believe that these entries are the result of identity theft or fraudulent activity, and I kindly request your immediate attention to rectify this matter in accordance with applicable laws and regulations. I have carefully reviewed my credit report from XXXX dated XX/XX/2023 and identified the following accounts as invalid and or Fraudulent. XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and I have never initiated or I have never had any affiliation with these accounts, and it appears on my credit report erroneously. I wish to emphasize that the inclusion of these accounts on my credit report is causing significant harm to my creditworthiness and financial standing. These accounts do not belong to me, and I have never initiated or I have never had any affiliation with these accounts. It seems that the credit bureaus keep disrespecting the laws. I showed them multiple times they are violating the Fair Credit Reporting Act. 

According to 15 USC 1618i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has be notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The bureaus have no respect for the laws.

Someone needs to hold the accountable for this.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like i'm being taker advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Student loan

My company sends {$150.00} per month to my student loan servicer through XXXXXXXX XXXX has sent payments in XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. Only XX/XX/2023 and XX/XX/2023 have been applied to my account. I called EdFinancial in XX/XX/2023 because payments had not shown up at that time. They asked me to wait another 30 days. After 30 days, XXXX and XXXX payments were applied. I called EdFinancial in XXXX and was told to wait another 30 days. I called EdFinancial today XXXX, and was told that XXXX was not sending payments. I have email confirmation that payments were sent in XXXX, XXXX, XXXX, XXXX and XXXX. EdFinancial is receiving these payments and not applying them to my account. Each time I speak with an EdFinancial service representative, they ask me to call at a later date. No one will help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I have no problems or issues with getting Transunion, or Experian free yearly credit report. But ever since Equifax had that huge data breech about 5, 6 years ago getting an online free credit report has frankly been a real pain in the XXXX. 

I'm tired of it. I don't think it's right that I should have to pay for their XXXX up every single year. 

Once again, snatching XXXX from the XXXX of XXXX, they refused again- this year. On XX/XX/XXXX, I wrote them in writing requesting a copy of my credit report- if they won't let me download it online, then they can send it to me by mail. 

Today is XX/XX/2021, that's 7 weeks ; I'm fairly certain that once again Equifax is blowing me off. 

XXXX XXXX I want to know why, in writing, when I have a total credit score of XXXX they told XXXX to decline my application. XXXX XXXX number : XXXX ) I don't know which is more irritating : that I can't download my credit report, that when I requested in writing an explanation of why my XXXX gas card application was rejected with an average credit score of around XXXX, or they haven't fixed their system after 5 years.
Product: Debt collection

Debt was charged off XX/XX/XXXX and accounts were settled in full on XX/XX/XXXX for {$5000.00}. Letters were sent to XXXX XXXX XXXX representing XXXX, XXXX. on XX/XX/XXXX acknowledging a signed settlement agreement as well as full payment of settlement. Companies were also notified on XX/XX/XXXX that I was represented by XXXX XXXX of XXXX XXXX XXXX. Even though the company was well aware that I was represented by counsel they still continued to contact me as demonstrated below. 

In XXXX, XXXX I started receiving collection calls to my home phone as well as my cell phone number from Unifin , Inc. a collection company attempting to collect on the above debts that were previously settled. I have received nothing in writing from this company prior to the collection calls nor afterwards. I have been sent no proof of debt. Proof of debt has been requested.
Product: Debt collection

I contacted Midland Credit Managment onXXXX. Regarding fraud on my account. I dont have credit cards and I dont use them. On my credit report it shows them in collections. I offered to pay the debt in full {$570.00} so long as it is removed and put in writing before me paying it. They refused to put anything in writing - either by email or by sending a letter. In XXXX  I had my identification stolen ( passport, social security, phone, as well as computer ) and it was subsequently used without my knowledge or approval.
Product: Vehicle loan or lease

I bought a car on XXXX XXXX XXXX  from Byryder in XXXX XXXX who has in house financing ( CNAC  ). I pay the loan biweekly, I was told I have to also pay for XXXX insurance through them so my biweekly payment equals XXXX every XXXX weeks for a XXXX XXXX XXXX. My biweekly payment was due today, so I called yesterday and spoke to XXXX to ask if it was possible to defer this payment or if there were any programs that might help me catch up on the loan. I explained that my job has been slow and I really haven't been getting many hours. I explained that after the holidays work slowed down, and everyone was trying to get shifts, but there were none available. XXXX explained that my account manager was not in that day, but asked me to send check stubs to provide proof, and she would forward the information to my account manager XXXX. I sent my last XXXX check stubs and waited for someone to call me back. I received a call this afternoon from XXXX who told me there was nothing they would do, and if I didn't make the payment they would put my car in repo status. Later that day my mom and I called the corporate office to speak with someone there. We explained what was going on and that women transferred the call to someone that could " help us ''. A woman picked up the phone, who said she would try and extend the due date to next Friday and added the next payment would be due the following Friday as well, put us on hold and came back and said she could not do that. I asked if there were any other programs that could try and help, and she said that there was nothing she could do to help. I explained that next week I would be back to my usual XXXX shifts per week, and just needed this help to catch up. She put us on hold, all of a sudden a man who said his name was XXXX picked up. He said that we asked to speak to a manager, which we did not, so we ended up going over the whole situation with him again. After speaking with him for over XXXX minutes, we were basically told that there was nothing they could do to help, they were unwilling to make any effort and even though I have never missed a payment before that didn't matter because they have a XXXX tolerance policy.