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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX and list of Inquiries. 

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.
Product: Student loan

My loans are being serviced by Navient and Navient 's website doesn't provide me with enough information about my account to properly manage it. 

On their website, there is NO option to download monthly account statements showing previous balance, current balance or how much interest is being charged vis-a-vis how much of my payment they're applying to the interest. The website shows me how much of my payment is applied to interest, but without knowing how much interest is being charged, I have no idea if I'm paying all the interest every month or if some of it is being capitalized. 

There is also no option to discontinue electronic account management and return to snail-mail, paper statements. 

I'm on an " interest only '' repayment plan, but I've been consistently paying $ XXXX- {$50.00} more than the minimum payment for almost 3 years, but my balance never seems to go down. 

Don't I have the right to see and download full monthly account statements showing previous balance, current balance and interest charged? Navient won't give me this information. It seems very shady to me and I have to wonder what they don't want me to know. 

I can't attach any documents because there's no monthly statements.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX DOB : XX/XX/year> TransUnion : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX RE XXXX Remove a collection The purpose of my letter is to dispute the following collections that are wrong and unauthorized. Please remove it from my Transunion credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 

Name : XXXX XXXX Date created : XXXX XXXX Balance : {$240.00} Creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Experian Credit Report and noticed inaccurate information. I sent a letter on XX/XX/XXXX via certified mail ( see attached copy ) challenging the accuracy of this information and requesting the source from which they obtained this information and they validate this information and provide me with documentation associated with this account bearing my signature or in the absence of such documentation deleted this information from my credit file. After 30 days, I received no reply from Experian.
On XX/XX/XXXX I contacted Experian. I spoke with a person who identified himself as " XXXX '' who informed me I received my dispute letter on XX/XX/XXXXand responded verbally that the information had been verified. I asked him the " source '' of the verification, as it was not listed on my credit report and he said it was verified by the Courts. I then told him I had a letter from the courts stating they do not supply any information to credit reporting agencies. He then said he received this information through a third party reporting agency. I asked him who the agency was so I could reach out to them directly but he said he was not at liberty to disclose this information.
Please the attached letter from XXXX  datedXX/XX/XXXX verifying my request to suppress all public information. It is my understanding it is a violation of the Fair Credit Reporting Act to report false information and claiming to get information from a court when it is actually obtained from an unnamed 3rd party could be considered false information on your credit report.
I would appreciate any help you can provide in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off I want to say I called the Experian XXXX times yesterday and had all my calls recorded and they are intentionally sending me a call filtering my call so I can't speak to a representative they are they have intentionally put a freeze or lock on my account after I spoke to a a customer service representation representative yesterday and they apologize for having the alert or freeze on my account I tried to run my credit again and I said it was blocked for promotional purposes I call Experian back again and I do not have the option to speak to nobody through the automated system I turned around and called for my fiance 's phone and put her information in and it went straight to a representative I don't know what part about allowed that they're allowed to screen our screen the phone called lock our credit and then screen phone calls when I try to call and get it unlocked intentionally discriminating if you ask me I don't know if it's because of XXXX background but they're clearly discriminating against me like I said I have the recordings for proof and evidence that this is going on and it's not a figment of my imagination my fiance it should be heard she's been right next to me she's here the same thing and she under she's in shock that they're allowed to do this internet to continue doing this cuz this is something I complained about in the past and the same thing is still going on with no resolution. They're putting a lock on my credit for that I can't reach out to anybody with it for loan or mortgage or anything and then when I try to call in to correct the mistake because I never authorized any kind of a lock or a freeze or anything to be on my credit Experian is intentionally locking in are screening automated system is sending me somewhere else and there's not sending everybody else to the same automated system I have proof this is going that and they're locking my credit file because the agent told me twice yesterday that he apologize but but he had to remove XXXX locks yesterday alone and never put XXXX on and I have it on recording and I have it on recording that they are doing this anybody was a mistake it's not happening it's not a mistake every day that they did my credit file is llocked by Experian XXXX or XXXX they are willingly manipulating the credit XXXX
Product: Checking or savings account

Suntrust closed a very recently opened account for no immediately discernible reason. I find their action as unacceptable as well as customer services refusal to allow me to ascertain whatever their rational because the account closure department is conveniently unavailable to discuss details ( not client-facing, I surmise ). I now must await physical mail noticeunreasonable and ridiculous in 2020.
Product: Debt collection

This company was listed on my credit report failure to send me anything in the mail giving me a right to dispute this debt that I DO NOT OWE. Not only do I not have a contract with this company they have been selling this unverified account from one collection agency to the next after I have thoroughly researched this matter and have disputed this account several times and since it has not been verified by the last two collections agencies they keep selling these unverified accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is blocking my credit report, I tried to do business with XXXX, XXXX, XXXX and they report that they can receive any information from Equifax, also my credit monitoring agency, privacy asset ca n't retrieve information from Equifax since twoyears ago. I called, wrote and try to solve the problem and always tell me that there is no problem, and unhelpful answers like I have no lock or freeze or sending me credit report when I just ask them, with all the documentation to give me a solution to the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification in my email that XXXX  completed their investigation into my dispute of the following accounts ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, accounts that are included in litigation. The file number is XXXX, and XXXX  and Equifax have failed to delete the mentioned items.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name, U S DEPT OF ED/XXXX Account XXXX XXXX, Account Name, U S DEPT OF EDXXXX Account # XXXX Account Name XXXX DEPT OF ED/NELNET Account # 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
Product: Debt collection

I have reach out to ARS Resolution/ XXXX XXXX  and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of this account. My credit score has been affected. I am asking for this item to be removed from my credit report.
Product: Credit card

I did a wells Fargo Credit card balance transfer online to pay off my XXXX XXXX credit card on XX/XX/2023. I kept calling Wells Fargo and telling them something is wrong it's been weeks and my card has not been paid off. And in the email that showed on XX/XX/XXXX the money went to a XXXX card but the last four was the same as mine on the RAM card but they said just give it time it will pay it off. When If Finally Cleared but was back dated to XX/XX/XXXX and that's not the date it actually showed up on the credit card. It did not pay off mXXXX XXXX XXXXard. I called Wells Fargo on or around XX/XX/XXXX about a week after it actually cleared to see if the XXXX  card would get paid off but it did not. Wells Fargo opened an investigation. Wells Fargo informed me that the money was sent to another persons account. A XXXX card with the same number as mine except one number difference. And that I needed to speak to XXXX XXXX the company over the XXXX cards. I went back and forth with XXXX XXXX for at least a month and a manger named XXXX said their is nothing they could do because the money wasn't transferred to a XXXX card. And that I needed to speak to Wells Fargo. I went to Wells Fargo on XXXX in XXXX XXXX Tx and was told that XXXX XXXX has to help me get the XXXX dollars that now is charged on Wells Fargo account. The fraud department gave me a trace number to track the money the Wells Fargo rep told me only they can do it. XXXX XXXX refuses to help me and I have no Idea why either one of the companies can not communicate with each other I am not in the banking industry and I can not understand what is happening. I am 100 % disable vet and I have no way of making any other money to pay these things off when I don't receive this money into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX XXXX is reporting incorrect balance in the amount of XXXX and payment history information to the Credit Bureaus. This account has been paid in full since XX/XX/2020.
Product: Debt collection

Midland Funding LLC is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with Midland Funding LLC. I have never received any correspondence from Midland Funding LLC stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with Midland Funding for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that Midland owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Instead Midland has just provided a couple bill statements, I have been advised legally this is not sufficient. Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. Midland Funding LLC refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. Midland Funding LLC is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure Midland Funding LLC understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues and the aftermath of Hurricane Irma. Midland even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in Midland 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. According to FCRA laws you are refusing to comply with the information that you are reporting : 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1681 ( c ) 2 15 U.S. Code 1681 ( n ) Please follow the laws. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please follow the laws and block this information from my credit reports before I seek legal counsel.
Product: Mortgage

I have had an escrow for years with Fifth Third Bank to have my taxes and insurance paid. For some unknown reason Fifth Third did not pay my homeowners insurance and it is about to be canceled by my insurance company. I have been trying to get this resolved for 2 weeks and no one at Fifth Third is willing to help me get this fixed. This has been very frustrating and they have horrible customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unauthorized inquiries on report. After contacting a few companies who couldnt provide me with much info basically told me to contact you guys and get a report and then it could be removed.
Product: Credit reporting or other personal consumer reports

the consumer reporting agencies ; Experian, XXXX and XXXX have responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting Per 15 usc 1681e ( b ) they have failed in doing so. Experian, XXXX and XXXX Is violating the FCRA and have failed to delete this inaccurate information from my credit file, i've disputed and requested for Experian, XXXX and XXXX to verify the collection account information XXXX XXXX XXXX XXXX they are reporting on my credit report and they have failed to do so. It has been over 45 days for Experian, XXXX and XXXX to conduct a proper investigate of the disputed information. by law if a investigation has come and the information being disputed can not be verified, it must be deleted.
Product: Debt collection

I was threatened and told that i had to give my banking info so they could take {$200.00} and then {$100.00} biweekly until the sum of {$1000.00} was paid. This debt was for a closed bank account I had in the past but I only owed this bank {$140.00}. They said my payments would be reported to the credit bureau but it never was.. infact another agency tried collecting for this account a year later.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Equifax, XXXX, XXXX Dear Equifax, XXXX, XXXX I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card and auto lon account under an open-end consumer credit plan as later for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including.

The information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 20 days before the payment due date. 
I NEVER gave You, Equifax, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  any written instructions to furnish any information on my consumer report. 
Which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practice. 
You EQUIFAX, XXXX, XXXX should be ashamed of yourself for ASSUMING this Role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX  Acct # XXXX XX/XX/XXXX By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an update copy of my credit report reflecting the requested changes. 
Best Regard, XXXX XXXX XXXX ( XXXX ) Without Prejudice, All-Natural Inalienable Rights Reserve
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and sent in writing a fraud affidavit I explained to Experian I had been a victim of identity theft asked that they do n't extend credit without first contacting me personally The added the information yo my credit profile yet today I wake up to a new fraud account added to my report by XXXX XXXX ... no one contacted me in regards to this account. I am already trying to fight to have my identity back and Experian is adding more stress XXXX  something has to be done about these bureaus
Product: Debt collection

I had a XXXX  Card and then entered into a debt counseling program. There was an outstanding balance from XXXX that was turned over to Global Credit and Collection ( Global ). My issue is with Global. I  received a letter in XXXX. I mailed a check in the envelope and stub printed and sent to me by Global. It was to a PO Box . It was returned by the USPS. I tried calling Global, I either get XXXX wanting a credit card number or I get voicemail box. No way to pay online was provided in the letter. I filed a XXXX Complaint. Global stated the PO Box is valid, but, provided a STREET ADDRESS and a web address, after three exchanges through XXXX. I attempted to pay the {$34.00} I owe online. I get a message that payments must be greater than or equal to : {$200.00}. I DO NOT OWE ANYWHERE CLOSE TO THAT AMOUNT. I do owe the {$34.00}. I tried calling XXXX  to pay them dir, but, once an account is turned over, they can no longer accept payment. Global seems to be a very unprofessional and scamming organization. Theres no business website that I could find. Requires a payment WAY ABOVE what I owe, I cant speak to someone here in the States. I have a check ready to mail, but, I am rather hesitant because I dont trust Global. Please look into this organization. Seems like a rip off, scamming organization.
Product: Credit reporting or other personal consumer reports

unauthorized inquiries XXXX XXXX XX/XX/2022, XXXX XXXX  0XX/XX/2022, XXXX XX/XX/2022XXXX XXXX XXXX XXXX XXXXXX/XX/2022, XXXX XX/XX/2022, and XXXX XX/XX/2022
Product: Vehicle loan or lease

On XX/XX/XXXX I received an auto loan from prestige financial for a XXXX XXXX XXXX. The original loan amount was for {$16000.00}. In XX/XX/XXXX I was attacked by 3 dogs, left unable to work, and in the end lost my career as a XXXX and unable to pay my car note as originally planned. From then on it was chaos in every sense of the word, whenever I had to communicate with prestige financial ( particularly XXXX who was very demeaning, threatening and just plain disrespectful ). If they werent misreporting my payments then they were completely dropping the ball on their end. I was made empty promises on numerous occasions. In XX/XX/XXXX my garage door was opened by a repossession agent, my belongings that were leaning against the car ( ie : daughters bicycle, some trim molding, and other items ) were removed from my garage and and set outside, to lean against the exterior of my garage, where they were left in order for the car to be removed from my garage ( that Was closed, all but 10 inches, that I left open to air out the garage ). After they took possession of the car I had to immediately contact them because I had thousands of dollars of my company tools, my daughters belongings, amongst many many other items in the car that I needed. They immediately acted like everything was a game, that they didnt need to answer any of my questions in regards to the location of my personal and business items. By the time I finally got someone to return my phone calls almost 4 days had passed and i was told to contact someone else ( I have no idea what company this gentleman was with ) I was made aware that my car was transported to XXXX, AZ with all of my belonging in tow. They also said that even if I found a way to XXXX, which was approximately 3 hours from my residence, I would have to pay $ 600+ and they would be adding {$100.00} per day storage fee. So needless to say, I lost ALL of my companies tools, personal belongings, and many other items. From that day forward I never heard another word from Prestige. Many many failed Attempted calls and multiple voicemails and no response. Next time I heard from prestige was via USPS that they had sold the car and my final bill was enclosed for {$14000.00}. I was never made aware that car was even going up for auction, where, when or how. They did not make all attempts to perform the redemption of collateral sale in a commercially reasonable manner. '' In other words, the lender DID NOT make all attempts to sell my car for AT LEAST its fair market value ( which is {$8600.00} as of XX/XX/XXXX, almost 2 years after the original redemption of collateral was performed ) Selling the car for less than market value imdicates the sale was NOT commercially reasonable, and therefore in violation of the law. I am currently in the process of trying to repair my credit in hopes of buying a home but this faulty collection account is really affecting my score and overall debt amount. I have exhausted all my resources on solving this matter with the lender to no avail.
Product: Credit reporting or other personal consumer reports

Hi, this has been frustrating. You are in violation of my consumer rights as I have already notified you of these fraudulent credit inquiries on my report countless times yet my requests to have them removed are consistently ignored and/or disregarded, it's totally stressing me out.