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

In accordance with the Fair Credit Reporting Act 15 U.S. Code 1681c2 - Block of information resulting from identity theft. I did not sign any contract with a collections agency, I am not legally obligated to them. The items below have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. U S DEPT OF EDXXXX XXXX XXXX XXXX. DP OF EDUC - XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. U S DEPT OF EDXXXX XXXX XXXX
Product: Debt collection

Receivable Performance Management ( RPM ) and XXXX sent false and inaccurate collection to XXXX that reduced my credit score by XXXX points. XXXX had referred me to RPM at XXXX as the debt manager. When I called RPM on XX/XX/XXXX and complained about XXXX and not receiving notice from RPM before reporting a collection, they decided to send it back to XXXX. Thereafter, I called XXXX again and talked to many managers at different times. Between then and now, I have found out that RPM and XXXX have changed some of the information that they told me was on my file. One of the representatives told me on XX/XX/XXXX that the information about my request to terminate in XXXX and XX/XX/XXXX are there and that it was just that they decided not to follow my instructions based on government directives. One XXXX who introduced himself as a Senior Analyst called today to deny the termination letter sent by XXXX on XX/XX/XXXX, and XX/XX/XXXX. He claimed twice that I called in XX/XX/XXXX and XXXX XXXX, I told him again that I never talked to any XXXX representative between XX/XX/XXXX and XX/XX/XXXX. Even though he later said he made a mistake for saying that I called in XX/XX/XXXX, I don't think it was a mistake because two different XXXX employees I talked to on XX/XX/XXXX said that I called in XX/XX/XXXX and XX/XX/XXXX which I denied. Obviously, XXXX has made many false statements to me and at the same time using my conversations to cover things up based on my questions to them.
Product: Credit card

It had been XXXX  years since i have an account open with TD bank and thats when they offered me credit card which i have opened since then, after some time i got some good cards from other companies and i have lessened the usage of my TD bank card. I did not even realize that i had lost my card like a month ago until i saw the statement balance on my card which was extremely high. And card was used in small amount at variety of places near the same town i am in. I was going to file a police complaint because fraudulent amount was XXXX but customer service representative told me they do not deal with law. So i had the dispute filed which they denied and upon asking customer service representative XXXX was extremely rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and discovered that XXXX pulled my credit without my knowledge or consent. 

My credit report shows that XXXX - XXXX XXXX created an inquiry into my credit on XXXX. 

I have requested an investigation and correction with XXXX, XXXX, and TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a rebuttal to a complaint I filed with CFPB that was closed, # XXXX. 

Navient falsely claimed in its explanation that my forbearance in XX/XX/XXXX was back-dated to XX/XX/XXXX. 

That information is incorrect. 

According to the email I attached, forbearance was approved on XX/XX/XXXX. Meaning the account was already in forbearance through XX/XX/XXXX. 

Navient is falsely claiming payment is late, though a forbearance was approved in XX/XX/XXXX. And forbearance are usually for 6 months. 

The forbearance request approved in XX/XX/XXXX was scheduled to begin on XX/XX/XXXX. 

I also included a copy of the letter Navient sent to me when I inquired about the credit reporting. Whereby Navient stayed my account is not in default.
Product: Debt collection

On XX/XX/2018 a rep by the name of XXXX XXXX left repeated messages not only on my personal phone but also on the phones of family members who have nothing to do with the debt and have no business knowing of such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX suggests that I took out a loan in the amount of {$34.00}. on XX/XX/XXXX. They labeled this as a charge-off that is negatively affecting my credit. I have never attempted credit with that bankXXXX XXXX XXXX XXXX has an inquiry on my credit report dated XX/XX/XXXX. I have also never attempted credit with this institution either. XXXX XXXX is still reporting an account that was open XX/XX/XXXX.
Product: Debt collection

I've sent a dispute letter asking for proof of debt with something with my signature that would validate the business. They've neglected to provide that document and temporarily removed the item. Then added it back with no explanation nor proof that the debt is valid to myself. It is an unknown account with southwest credit system XXXX XXXX XXXX # XXXX XXXX, XXXX for {$220.00}.
Product: Bank account or service

I received a promo mailer for {$200.00} to open up a new checking account ( which is attached ). I went into the branch with the mailer and opened the account. Before leaving I verified that I had met all the requirements to receive the bonus, which the account rep verified. It 's been over a year and I have not received the bonus. I went in to the branch twice to ask why it has n't posted and they could n't tell me why, but said they would " look into it ''. I also called the customer service number and submitted an online secure message through Region 's website and received the same response.
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX Subject : Request for Deletion of Unverified Late Payments from XXXXXXXX XXXX XXXX  Account Dear Credit Reporting Agencies, I am writing to formally request the removal of XXXX late payments reported on my XXXX XXXX XXXX  account from my credit report. These late payments are currently listed on my XXXX, Equifax, and XXXX reports ; however, the account does not appear on my XXXX report. This discrepancy suggests that the information may be incomplete or inaccurate.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The absence of this account on my XXXX report raises concerns about the accuracy and completeness of the data being reported by your agency. 

Furthermore, the FCRA 609 grants consumers the right to request the disclosure of information in their credit file, and 611 provides the right to dispute inaccurate information. I am exercising these rights to dispute the late payments reported on my Avant Web Bank account and request their removal from my credit report. 

If these late payments can not be verified as accurate and complete within XXXX days, the FCRA 611 ( a ) ( 5 ) ( A ) mandates that the information must be promptly deleted from the consumers credit file. Failure to comply with this requirement may result in legal action, as FCRA 616 and 617 provide consumers the right to seek damages for willful or negligent noncompliance with the Act.

Please investigate this matter and remove the unverified late payments from my credit report within XXXX days. If you determine that the information is accurate, I request that you provide me with documentation verifying its accuracy. 

If this issue is not resolved within the specified timeframe, I will consider filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue further legal remedies to protect my rights as a consumer. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Tuesday, XX/XX/XXXX Re : Collection of previously negotiated bill from Portfolio Recovery Assoc. 

Dear Consumer Protection Bureau, Portfolio Recovery XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Statement shows up on an XXXX credit report as trying to collect a bill about which I originally re-negotiated to pay off with XXXX XXXX  years ago. My eventual inability to pay anything is the result of FEMA not delivering on promised financial support for another 6 months but unexpectedly stopped the support after the FEMA disaster covering the XXXX XXXX flood in XXXX XXXX to XXXX. 

I would like to plead with XXXX and Portfolio Recovery Assoc to eliminate the disaster-related bill and I would appreciate having the claim erased from my credit reports. 

Thanks for your help. 

XXXX XXXX
Product: Debt collection

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned or not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

I did not solicit this loan. My husband received an unsolicited letter in the mail from XXXX XXXX XXXX offering a pre-approved personal loan up to {$72000.00}. The offer states that rates start at 5.59 % APR. It is a time sensitive offer that expires XX/XX/year>. I am involved in the banking industry and was interested in the terms of the offer, so I read the fine print on the back of the letter. What was highly disturbing was the interest rates described on the back of the letter as follows : " This offer is for an unsecured, closed-end personal loan by a participating lender through Kuber Financial , LLC XXXX XXXX. All approved loans are made by a third-party, participating lender, not by XXXX. Loan amounts and loan terms, within the offer parameters, may vary depending upon borrower creditworthiness and lender requirements. Depending upon the lender to which a responding consumer is referred, the loan amount will be between {$5000.00} and {$75000.00} with interest rates ranging from 6.40 % and 299.00 % APR ... '' YIKES!!!
Product: Checking or savings account

I was looking to buy 2 tickets for the XXXX game on XX/XX/XXXX on XXXX. I ended up finding some, contacted the person through phone call at XXXX, paid with XXXX through Wells Fargo. I ended up getting scammed {$300.00} for the tickets and never received them or my money back. I did more research on XXXX and this number has been associated with a few different scams on this phone number. Hopefully this person gets caught for this. This is very disappointing and hope this can get resolved. I will link a photo my my texts, the ad, and an article regarding the same phone number and their scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$650.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$170.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$260.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

THIS IS FRAUD. I HAVE REQUESTED VERIFICATION AND PROOF AND DISPUTED MULTIPLE TIMES. PLEASE LOOK INTO AND SEE IT IS NOT MINE AND REMOVE
Product: Checking or savings account

I received a {$20.00} XXXX payment from someone I don't know, XXXX payment from XXXX XXXX XXXX XXXX XXXX {$20.00} I called Chase to let them know I don't know who this person is because I was concerned it could be a scam or tester transaction, and the phone rep foolishly advised me to try and send the money back to this unknown recipient. ( This is really bad, clearly there is no training on this at Chase ). 
I would think this should be a Reg E situation - but I know the big banks are trying to skirt their Reg E responsibilities through XXXX. 
I suppose it is on this XXXX guy to file a reg E claim with his bank, but the bottom line, I have {$20.00} in my account that isn't mine and Chase 's poor advice is to " try and send it back if he contacts me. '' I'm not doing the bank 's job for them.
Product: Debt collection

CITI STILL CONTINUES TO CALL REPEATEDLY ALL THROUGH THE DAY. 
THE CALLS NEVERED SEIZED XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXXXX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX) XXXX XXXX (XX/XX/XXXX ) XXXX
Product: Checking or savings account

I was supposed to receive my direct deposit from work today. It is not in my Wells Fargo acct. They said there is a glitch and don't know when my funds will make it into my checking acct
Product: Vehicle loan or lease

I am writing to bring to your attention a potential violation of the Fair Credit Reporting Act ( FCRA ) regarding my Mazda account. 

On XX/XX/XXXX, my vehicle, a XXXX XXXX XXXX was repossessed by Mazda financial institution . Subsequently, on XX/XX/XXXX I made a payment of {$2700.00} towards my Mazda account in an effort to resolve the outstanding balance. 

Despite my payment on XXXX XXXX Mazda financial institution has reported the repossession on my credit report XX/XX/XXXX. This reporting occurred after the payment was made, which I believe is in violation of my rights under the Fair Credit Reporting Act. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that my rights under the Fair Credit Reporting Act are upheld. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, It has come to my attention that XXXX XXXX and or Portfolio Recovery Associates , LLC are reporting charge offs on my report. XXXX for XXXX and the other for XXXX. According to the INTERNAL REVENUE SERVICE, charge offs are considered income and income should not be reported on a credit report. I also never received a XXXX for either charge off. This is a direct violation of 15 usc 1681s-2 ( a ) ( XXXX ) ( a ) Reporting information with actual knowledge of errors. It also a violation of 15 usc 1681a ( XXXX ) ( a ) ( i ) for reporting transactions or experiences between the consumer and the person making the report and in this case there are XXXX violations recorded on my credit report pertaining to these charge offs. 


Upon reviewing my consumer report, It has come to my attention that XXXX, XXXX, XXXX, and XXXX are reporting addresses that are no longer mailable. Please remove these at once. 
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 XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my consumer report, It has come to my attention that Fair Collections & Outsourcing are reporting Collections on my Credit report in the amount of {$2600.00} as well as XXXX XXXX XXXX reporting an amount of {$950.00} XXXX These companies are in direct violation of 15 usc 1681a ( XXXX ) ( a ) ( i ) for reporting transactions or experiences between the consumer and the person making the report. Also these accounts are being reported as open accounts in which a collection by default is a closed account. 

XXXX XXXX XXXX ARE ALSO IN DIRECT VIOLATION OF 15 USC 1681A ( XXXX ) ( A ) for reporting my medical information and XXXX5 usc 1681a ( XXXX ) ( a ) ( i ) for reporting transactions or experiences between the consumer and the person making the report
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file one complaint on XXXX XXXX XXXX and today I received a notice that this fraudulent account was updated again and it cost my score to drop. This should be removed from my account as I HAVE NEVER HAD A XXXX XXXX  CARD. I did again reach out to them and if they don't stop this activity I am going to my local XXXX  State Police Troop XXXX and report it. How can they take pleasure in destroying peoples lives? They have failed to provide any of the credit bureaus with information and refuse to send anything to me. They have a XXXX  address and I have lived in XXXX  for 31 years.
Product: Mortgage

To whom it may concern, I have applied for a primary home loan with the aforementioned mortgage lender on XX/XX/2019. I supplied lender with all documents as requested by them in a timely manner and was issued a conditional loan approval with XXXX, which expired XX/XX/2019. 
All of my outstanding conditions were submitted to lender no later than XX/XX/2019. I was told by the loan originator that I will be closing no later than XX/XX/2019. 
The lender has not provided any updates to me in regards to the status of this loan since XX/XX/2019 other than a few emails from the Sr account manager stating that " he is working on it ''. My loan originator, title company, and myself have been trying to reach them multiple times daily with no luck. I have been a XXXX   for many years and have never been so appalled at how unprofessional this company has been. Because it was stated that I was able to close no later than the XXXX of XXXX I am now in default of the contract and will loose my earnest money deposit along with the other monies spent during my dealings with this company. 
The biggest issue I see is the fact I was never provided a loan estimate after my initial application. I have requested this because when they sent me my conditional approval it was for a higher amount down, which is not what I originally applied for. 
Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX  XXXX Automobile Dealers, Used Auto Financing Companies Inquiry date : XX/XX/2020 I let Experian know they told me to contact the company I wrote a letter its been over 40 days no response According to the Fair Credit Report Act its been over 30 days Experian is not helping me I wrote them a letter as well thank you XXXX XXXX XXXX
Product: Student loan

I have a XXXX which makes me very prone to XXXX XXXX. As a result, every so often, I have to drop classes very early in the semester. When this happens the school has to manually fax the loan servicers with records of my school status because it's too early for the clearing house. 

Normally there isn't a problem because, per XXXX : " If you reenroll in school at least half-time before the end of your grace period, you will receive the full six-month grace period when you stop attending school or drop below half-time enrollment. '' The rule is that any time I fall below half-time ( which is 6 credit hours at my school ) the grace period starts and and time I return to half-time the grace period resets. 

In this case I was attending 7 credit hours, but had to drop on XX/XX/XXXX which is the date that I fell below 6 credit hours. Ordinarily this should result in my grace period being set to expire XX/XX/XXXX, but even though the school confirmed that they faxed both loan Servicers in XXXX one of them - Mohela- sent me a bill which I received today. 

The bill states that I owe {$610.00} as of XX/XX/XXXX. Since I should be in grace this bill should not exist. 

I am attaching to this complaint a copy of the document that the school faxed Mohela. In a previous year the same document was faxed to a previous loan servicer named " XXXX '' who was able to accurately apply such information, but Mohela isn't doing that as it should. I am also attaching a print out of the online bill showing what they allege that I owe. 

I attempted to call, but could not get through. I tried to contact online, but their website says they they are dealing with extremely large call volumes. I tried using their secure message system, but it keeps timing out forcing me to retype and I have no idea if it went through or not. 

Normally I would wait to complain, but in this case waiting could be disastrous since I am nearing the time that I need to apply for loans to attend the XXXX XXXX semester.