23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a debt validation letter on XX/XX/XXXX to Security Credit Services and requested that they validate the debt. I never received the validation letter providing a signed signature of the debt.

When they first reported the Debt the reported it against a different address so I disputed that and they removed it and then reported It against the address that I live at which indicated that it was a fraudulent attempt to collect a debt. I have sent multiple dispute letters to them and have not received any responses. Those letters was sent around these time frames. 

XX/XX/2023 XX/XX/2023 XX/XX/2023
Product: Credit reporting or other personal consumer reports

ED Financial services my Federal student loans. I have XXXX student loans that have always been paid with XXXX payment per month ( XXXX payment covers the due balance of them all ). I missed XXXX monthly payment. However, ED Financial reported in my credit score that I missed XXXX separate payments. I don't think this is legal. I have tried to contact them but they don't return my calls ( XXXX hours wait on hold ). My credit score dropped by over XXXX points because of this.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected 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 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

As I've gone through the accounts that are displayed on my credit I've noticed unusual activity and an ample closed accounts that aren't. Please remove these items from my credit report immediately, for they are items of identity theft, they do not belong to me.
Product: Debt collection

THEY SENT ME A SUMMONS TO SUE ME IN CIRCUIT COURT AND I TRIED TO EXPLAIN TO THESE PEOPLE THAT IT WAS NOT MY DEBTTHAT SON HAD DONE THIS AND WOULD THEY SEND MY A COPY WITH MY SIGNATURE ON IT SHOWING I HAD MADE THE PURCHASE AND THEY SAID THEY DID NOT HAVE TO THAT IT WAS ALREADY VERIFIED.
Product: Money transfer, virtual currency, or money service

Western Union was used to send money to the XXXX as we do each month. We sent the money on XX/XX/2018 at XXXX XXXX Central time. Western Union has a new policy where they take the money out of your account but it is not ready for pick up for about 7 days. They are using the consumers money for their gain. 
tracking number is XXXX for the first transaction and XXXX for the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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  has violated my rights . 15 U.S.C 1681 SECTION 602 A. STATES I HAVE A 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: Payday loan, title loan, personal loan, or advance loan

I have been emailing KOVO Credit builder. I have some late payments. I have tried to Reach out Via email and phone I have made the customer service representative aware that the items that they are reporting late are excluded by law and they are reporting it on my consumer report. On XXXX, XXXX, XXXX. They reported late payments to XXXX XXXX and XXXX according to 15 USC 1681 ( 2 ) -Exceptions, Except as provided in paragraph ( 3 ), the term, consumer report does not include ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. My transactions or experiences with their company by law are excluded from my consumer report. I need these transactions/experiences deleted from my consumer report. It is drastically affecting my score. They are also in violation of consumer laws more specifically : Violation of 1681, 15 US C 1681s-2, 15 USC 1681 and Timing of payments 15 USC 1666B . I have requested that they delete all of the late payments and they refused to do so. They also refuse to give me my account number. I have also sent them a letter in detail with the dates and the direct violations of the law that they are in and no one is responding.
Product: Checking or savings account

I can not access my money that's direct deposited in my account. They are not allowing me to access my money causing me late fee and shut offs it's my money I want it now!
Product: Credit reporting or other personal consumer reports

Requesting the removal of the inaccurate reporting on all 3 credit bureaus, the last reported payment was ( XX/XX/23 ), but also has no payment history on the account. It also has a 30 day collection remark in XXXX but a good rating remark in XXXX, the remarks are numerically invalid with no accurate record of payments. Making it difficult to obtain housing to avoid homelessness. This messes up two things, first, this error does not indicate when the account was actually charged off. Second, this error manipulates the status of the account itself. They were never given permission to furnish such, first delinquency and this is causing great stress being reported. XXXX XXXX has violated ( 15 USC 1681s-2b ) of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies. They failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too. I am demanding deletion from my consumer report or else. Im going to pursue litigation.
Product: Credit card

Lowe 's pulled my credit when I asked if I could have time to pay. Said there was NO hard pull and stated it would NOT show on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with Experian about ( 1 ) to remove the notices that they put on my report and ( 2 ) to correct my address.

1. I contacted them 3 times and they said they were going to delete the notices, but they never did.

2. Again, I contacted them 3 times to delete 2 wrong addresses from my report and leave only the correct one. On XX/XX/XXXX, they changed my correct address to a wrong one. And on XX/XX/XXXX, they deleted all of my addresses. 

It is just ridiculous and annoying.
Product: Mortgage

In an effort to make our closing date, Weichert Financial Services has been submitting disclosures to me electronically. While this process is convenient, they have routinely asked me sign within a XXXX hour period despite obvious errors in the disclosures including errors in my own personal ( phone #, home age, work address ), understated monthly payment amounts ( which failed to calculate my property tax correctly despite having done so correctly in previous calculations ), closing cost errors ( including understatement of property tax, failure to extract payments made out of pocket ), etc. I have been routinely asked to " just sign it '' as " it will get corrected and worked during closing ''. However, I feel that this is misaligned with the intended purpose of a disclosure. Luckily, I am an XXXX and XXXX, and while I am not a mortgage expert, I am certainly sensitive to misinformation. With this behavior by Weichert Financial Services, a less vigilant buyer may end up in a mortgage they can not afford. I can certainly appreciate the effort to expedite our process, but I fail to see the benefit in a disclosure process that encourages acknowledgement of inaccurate payment figures, personal information, or mortgage costs. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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
Product: Credit card

I started off with a low interest rate on my PenFed Card. They have now increased the 29.24 % when my balance went up making it impossible to pay my balance off. It's ridiculous they're taking advantage of lower income households during this struggling economy.
Product: Money transfer, virtual currency, or money service

Over the last year, Ive been trying to access my cryptoXXXX  funds in the Crypto.com app I have reached out to several support agents and none and were able to help me. actually even responded to me. Ive been reaching out over the last three months periodically and have not even gotten an email response. This problem has been going on for about a year now and I dont understand why there is no other form of contact.
Product: Mortgage

I actually obtained homeowner 's insurance at a lower rate. The mortgage company based the new escrow analysis on a mistaken premium that is about twice the actual amount that I owe. This has increased my mortgage payment from {$930.00} per month to {$1500.00} per month, rather than what it should be, at about {$1000.00} per month, since my new insurance went into effect on XX/XX/year>. I am scheduled at {$1500.00} through at least XXXX, 2024. I have spoken by phone with escrow several times but they can not seem to correct it. I am a XXXX XXXX vet on a low fixed income. I also take care of my XXXX son. I just want them to correct this and get back to where I should be on my mortgage payment. The mortgage company is Newrez in XXXX Florida.
Product: Student loan

To whom it may concern : It appears that my payments with Navient are not being posted correctly and it has been going on for well over a year, but I just noticed it recently. I have called Navient twice in the last couple of weeks for two issue. Once on XX/XX/XXXX and again on XX/XX/XXXX, and they still have not been able to post my payments correctly. On XX/XX/XXXX I was informed that issue # 1 would be resolved by XX/XX/XXXX. Today is XX/XX/XXXX and its still incorrect. Today my loan payment ending in XXXX from XX/XX/XXXX is going towards the principal, but what about the previous 14 months? At the rate I'm paying on my loan my entire life since nothing ever goes to the principal. 

Issue # 1 : I made payments on one of my private student loans for the last 14 months, and not XXXX XXXX has been posted to the principal, so I called them on XX/XX/XXXX when I identified this. My mother called on my behalf and spoke to the customer service rep, and she said that about {$500.00} a month goes to interest, and my mother said to her that I paid {$950.00} in XX/XX/XXXX, why did all of it post to the interest? The representative was unable to answer for a minute, because the call was scripted, and the rep didn't know what to say except " yes, that doesn't seem right, I will get this account reviewed. 

Issue # 2 : I made automatic payments through my bill payer with my credit union on 3 loans with Navient on XX/XX/XXXX, and as of XX/XX/XXXX, they were not posted. I called Navient on XXXX and the Customer Service Rep said they were not posted yet, but to check back. Today when I checked, the payments had a post date of XX/XX/XXXX. They manner in which they have posted my payments appears incorrect. I had this issue in XXXX, and it was due to a " grouping '' per Navient, and supposedly Navient fixed that, but it appears broken again. How am I to validate this posting is correct. Its frustrating to call Navient because the customer service reps are scripted, and do not even listen to the issue. 

Please know that contacting and dealing Navient is very stressful and frustrating. I had similar issues in XXXX and it took months to resolve. They sound robotic and systematic with any phone calls you make to them. They try to get you off the call with an unrelated response. I have asked my mother to assist me because I work full time and Navient is closed when I get home. 

XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller.

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I just filed a complaint with the cfpb on XX/XX/2019 at XXXX and it did not process.

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I filed disputes with the credit bureaus. I am a victim of identity theft. The information listed in this package, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft.
Product: Checking or savings account

My account with HSBC has been " recommended for closure '' and have yet to receive any notification as to why or the funds that are in the account. The initial closure process started on XX/XX/2022 and as of XX/XX/2022 I still have not received a response. Whenever I call HSBC I get the same response that my issue will be " escalated '', but then nothing happens. I just want my money back, this whole ordeal has been very stressful to the point of it causing undue hardship and has impacted my XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago I got in contact with TransUnion by phone in order to report and remove a previous address I had on file with them. My other XXXX credit reporting agencies did automatically remove this information but TransUnion has not removed it and it has been there for years. I have never lived in that previous address that is still being reported with them and this is incorrect.
Product: Credit reporting or other personal consumer reports

I recently disputed information on my credit report that did not pass CDIA Metro 2/CSRA compliance. The CRSA  enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact, fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to CERTIFIED METRO 2 COMPLIANCE standards ? I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws provide that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) requires. Please reply within ten days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, My son and I applied for a mortgage loan through XXXX. XXXX advised me that they would pull all XXXX  credit bureaus to assess my creditworthiness. 

Within XXXX minutes of XXXX accessing my credit report, I was inundated with unsolicited mortgage offers from a multitude of people trying to solicit me for a mortgage loan. In less than 24 hours, I have had XXXX unsolicited nuisance calls, and the calls keep coming. 

It was never disclosed to me that once my credit report was pulled, I would be swamped with calls from obnoxious salespeople, nor was I offered an opt-out option. If I had known I would get call after call, I would have said I wanted NOT to be contacted. 

My complaint is not with XXXX but rather with the credit bureaus. Consumers should be advised that they will immediately begin receiving calls from mortgage lenders buying our information from the credit bureaus or be given an option to opt-out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a 609 letter the the 3 main credit bureaus ( Experian, XXXX & XXXX ) and didn't not receive an reply. Its been over 30 days and still haven't received anything nor got any updates.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : Experian : Address : XXXX XXXX XXXX XXXX, XXXX XXXX- DELETE
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late 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 21 days before the payment due date. 


( XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports