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

This complaint is in regards to the late payments that are being furnished and reported by on my consumer report by TransUnion. I have the right to privacy. XXXX XXXX XXXX XXXX  never disclosed to me that I had the option to opt out of my non public personal information being disclosed to any non affiliated third party. Furthermore, transactions or experiences between consumer and the person making the report are to be excluded from consumer credit reports. My consumer rights are being violated. XXXX XXXX XXXX XXXX  did not receive any permission from me in writing, verbally or otherwise to disclose any of my non public personal information to any non affiliated third party and I was never given the opportunity to opt out of my non public personal information to be disclosed to any non affiliated third party. Your company have assumed a vital role in assembling and evaluating consumer credit and other information and are obligated by law to be fair, impartial and respect the consumers right to privacy. I am requesting that the following items be removed from my consumer file. 1. 30 days late 2. 60 days late 3. 90 days late Sincerely, XXXX XXXX XXXX.
Product: Mortgage

In XX/XX/2020, I contacted my loan company based on letter I received regarding forbearance or loan modification from covid related issues. I filled out the application and was contacted my the home preservation representative. She would tell me what was needed and I would send. The last time I heard from her was end of XXXX requesting documents which I sent. That was the last time I ever talked to her. My calls and emails were not returned, I was sent letters requesting documentation that I needed her to clarify. I sent her copies of correspondence and asked her to clarify but no response. After weekly calls and emails, I received a letter denying me a modification because I didnt provide subsequent documentation. I believe my loan is owned by the bank and rather than talk to me, they just ignored me and my requests. The client representative would not return my calls and emails and I believe they just let the clock run until they could deny me.
Product: Debt collection

I filed a Multiple previous Disputes with XXXX and the CFPB over this. 
The man on the phone with XXXX XXXX XXXX was extremely abusive and threatening he kept talking over me and kept trying to pump me for more of my private and confidential information because they don't have it. I was threatened with a attorney and hung up. 
I have requested repeatedly from both the CFPB and XXXX XXXX XXXX collector for the " Original Wet Docs. with my Wet signature '' and " the Debit Validation '' from them proofing they have the right to collect on a debit, and I want the The XXXX with the original Creditor, and that XXXX XXXX XXXX is licensed for business in the state of Alaska where I live to do business in my state. 

This debit was illegally purchased without my authorization if its even mine seeing as how I cant get any documentation on it, and it was already written off from the Original Creditor in their XXXX they filed with the IRS for their tax return '' So this is an illegal attempt to collect on a debit that the original Debtor filed a XXXX, that is IRS FRAUD and then they illegally sold it to a bill collector. 

Please remove this immediately from account as it is FRAUD. 
I do not acknowledge this bill until someone can show me documentation that this is actually my bill and that the original creditors filed a XXXX and then illegally and fraudulently sold the debit to a bill collect. 

If they say something different please have them furnish the proof that I have requested repeatedly regarding this illegal transfer of debit, I need the original Purchase agreement, XXXX XXXX XXXX XXXX XXXX, THE XXXX Documents ' from the original creditor with the wet docs with wet signature, status of limitations, the last payments missed on the account and the XXXX by the original debtor. 

And now this bill collector is trying to illegally collect on something that was already filed by the original Debtor and claimed through the IRS on his XXXX C. 

If the documents can not be produced and sent to me for confirmation or dispute. 
Than this has to be deleted off my credit report as its fraudulently posted to my account.
Product: Money transfer, virtual currency, or money service

Choices available on this form are inadequate for my situation. 
XXXX XX/XX/XXXX, I borrowed just under {$10000.00} on line from Lending Club ( loan # XXXX ). 
Approximately of the proceeds was to go to my XXXX XXXX Rewards credit card balance, the remainder was to be deposited in my XXXX XXXX  XXXX. checking account ( XXXX ) already on record with Lending Club. [ Note : XXXX XX/XX/XXXX, I paid off a previous loan to Lending Club via autopay from the XXXX  account above. ] Instead, Lending Club sent the payment to a different XXXX account, my XXXX XXXX credit card. 
After I brought this to their attention, Lending Club did nothing to coorect their error, and left it to me to clean up their mess. 
Worse, however, is that they also sent the the to a bank account I closed years ago XXXX XXXX XXXX  XXXX  ( XXXX ) Lending Club is notorious for poor customer service ( see XXXX  complaints ). 
My many calls to Lending Club were inordinately difficult to put through to a live human agent. When I eventually did get through, Lending Club Help Desk counseled just waiting. 
Waiting failed ( i.e., no $ deposited in my XXXX Bank account ). I started ccing Lending Clubs CEO XXXX on my complaints to Lending Club Help Desk.

XXXX office did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry appears on my XXXX  Credit Report that I did not authorize. Consumer Portfolio Services refused to remove the inquiry on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please take action to block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or create these accounts and do not recognize them. Under USC 1681g, I formally request their removal within 15 days. Supporting documents are included for your reference.
Product: Vehicle loan or lease

I had sold the leased XXXX VW XXXX to XXXX XXXX - as VW Credit requested, we obtained the Dealership buyout amount and paid in full XXXX XXXX for $ XXXX Contacting VW credit 15 business days later and they had confirmed that the check was received XXXX XX/XX/XXXX and would have " delays '' processing the payoff due to " large backlog '' and said that it may take them another 15 days. 

I called again XXXX XX/XX/XXXX, I believe, and was told the same about the backlog, but that this time it would take them up to another 45 days to complete the process and that my credit may be affected as well as the loan would still show on my account. 

I can not wait for that long as this will affect me in many ways as well as my creditworthiness for my life plans! PLEASE HELP! Volkswagen Credit ( VW XXXX XXXX XXXX is NOT running an honest business here and do NOT care about customers
Product: Credit card or prepaid card

I tried cancelling this card in XXXX when the fee was due. It appears it was never cancelled. I have not used the card since and called to cancel/refund as soon as I noticed this
Product: Debt collection

In XX/XX/XXXX XXXX XXXX tried to Garnish my accounts. Asked the Court for a request for a hearing as I was never notified of a court proceeding against me for a garnishment to occur. Court denied my request as there no accounts Found Mailed a letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX regarding what this was about. Never received a response back from XXXX XXXX In XX/XX/XXXX pulled a Credit Report and saw that I had two public records on my Report 1. XXXX XXXX 2. XXXX XXXX Wrote a letter to XXXX XXXX Court inquiring on these accounts on XX/XX/XXXX Received a response back from XXXX XXXX Court Date Stamped XX/XX/XXXX Wrote a letter again to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, OH XXXX regarding this matter in XX/XX/XXXX. No response from this Plaintiff In XX/XX/XXXX I received a letter from XXXX XXXX dated XX/XX/XXXX, more like a collection letter stating they are trying to collect a debt. I contacted the number on the paper XXXX and spoke to a " Bill Collection Specialist '' and I inquired as to this debt. I was told they had not filed any suit against me but if I did not pay they would. I gave them the case number and the court and asked for proof of this debt. I also mailed a letter to the address on the letter with the same questions. Never received a response The next time I would receive a response would be from another attorney with XXXX and XXXX who states a judgment has been entered against me and I have 30 days to dispute the validity of the debt and I did so in a letter. The letter from the attorney stated that If you notify us in writing within the same 30 day period that you dispute this debt or any portion of it, we will obtain verification of the debt or a copy of a judgment, if any, and mail it to you. Upon your written request within the same 30 day period, we will provide the name and address of the original creditor, if different from the current creditor. If within the thirty-day period that begins with your receipt of this letter, you send us a written dispute of all or any portion of the debt or request in writing the name and address of the original creditor, we will suspend our efforts to collect the debt until we mail the appropriate information to you. 

The only response I received from that letter was a Motion for Entry of appearance from the same attorneys. Since this was dated XX/XX/XXXX and it was not too long ago I mailed my letter of dispute I did not worry about this letter. 

Then I received a letter from the court that this attorney garnished my bank accounts. Except I do not have any money in the accounts. All the money belonged to my husband from his paychecks and they took his money. 

The final response was a letter from the court that a garnishment was sent to my bank and the bank withdrew all of the money belonging to my husband including the money he placed in the joint account to pay the bills that now the money is gone and the bills are coming through electronically. 
Still no response to my letters. NONE OF THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit, and I noticed some companies listed that Ive never did any business with. I did not given anyone permission to do any kind of business with these companies, with that being said I think that my identity has been stolen. I will attach a list of the companies thats on my credit report. I also will attach a copy of my id to verify that this is me reporting this complaint. I also have a FTC report reporting the identity theft. I need this issue to be resolved immediately as this is holding me back from moving forward with providing for my family. Its really making things very difficult for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXXXXXX - Partial Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Partial Account # XXXX XXXX XXXX XXXX  - Partial Account # XXXX XXXX XXXX XXXX Partial Account # XXXX has violated my rights in more ways then one. 15 U.S.C. 1681 section 602 A States I have a right to privacy. 15 U.S.C. 1681 section 604 A Sec 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681i states that Experian, XXXX XXXX XXXX XXXX shall free of charge, conduct a reasonable re-investigation 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 dispute from the consumer or reseller.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX I was sent a collection letter from National Enterprise Systems that stated they were authorized to settle an account in full for {$2300.00} on or before XXXX. There was not an option to dispute the alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide a written notice ( often called a " validation notice '' ) that includes your right to dispute the debt. If they fail to do so, they are in violation of 809 ( a ) of the FDCPA ( 15 U.S.C. 1692g ). Key FDCPA Violation : Failure to Provide Validation Notice The FDCPA 809 ( a ) mandates that within 5 days of initial communication, the collector must send a notice stating : 1. The amount of the debt. 2. The name of the creditor. 3. A statement that you have 30 days to dispute the debt ( or it will be assumed valid ). 4. A statement that if you dispute the debt in writing within 30 days, the collector must provide verification. 5. A statement that upon your request, the collector will provide the original creditors name and address ( if different ).
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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

Chase has made several hard inquires on both my XXXX, XXXX XXXX, and XXXX as well, without my authorization and without permissible purpose. I have reached out to Chase via certified mail requesting that they cease the unauthorized hard inquiries into my credit report. 

I also gave a formal demand that Chase immediately contact the credit reporting agencies and credit bureaus, where their Chase has made inquiries into my credit history, to have their illegal inquiries removed. 

The inquiries are in violation of Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

Listed below are the inquiry dates both with XXXX and XXXX XXXX credit bureaus : CHASE CARD Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several account are reporting on my credit history that I have never opened or given my authority to run my credit for these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently sent a letter to cfpb showing that navient who took over my account from XXXX XXXX has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time navient reported to the credit bureaus that my account was delinquent. I also sent a statement to both navient, the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for XXXX dollars with XXXX XXXX and have been making payments over the years ( sometimes more than the minimum ) and currently owe XXXX.
Product: Checking or savings account

I have an experian credit monitoring membership. I have the experian digital debit card on my XXXX wallet. I have successfully transferred funds into my Experian digital smart money account. I then requested the Experian debit card mailed to my address. I received a confirmation I would receive it in 5-7 business days. It has been over two ( 2 ) weeks and I have not received my physical debit card. I called Experians membership department, dispute department, XXXX XXXX XXXX  department and supervisors, and none of them can resolve this matter. I keep getting the run around and excuses. In addition, I have previously submitted a XXXX complaint regarding this matter and there is yet to be a resolution. I seek to hold experian accountable. Please mail my debit card to my address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding unauthorized inquiries on my TransUnion credit report. Despite sending XXXX dispute letters to TransUnion, along with CFPB complaints and highlighting the specific inquiries, they have not addressed the issue and have only provided irrelevant paperwork. 

The XXXX inquiries were made without my consent by XXXX XXXX and XXXX ( XXXX  ) on XX/XX/XXXX of XXXXIve also contacted these businesses directly, but have received no response. 

I request that TransUnion remove these unauthorized inquiries from my credit report as they are negatively affecting my credit score. 

Attached are the relevant documents, including dispute letters and prior CFPB complaints. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX 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 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 that reported 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, XXXXXXXX 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
Product: Credit card

I applied on XXXX XXXX for my first credit card, a secured USAA card and was accepted for a card on the XXXX of that month. I paid the XXXX dollar deposit for the secured card and had problems verifying, which we resolved just fine - and I was told about a week after successful verification that my card was on the way ( XXXX XXXX ). It was also stated clearly in the email that this card would reach me in no less than 10 business days. I was excitedly waiting, but the card never arrived. I updated my shipping information and had the first one cancelled after 14 business days ( XXXX XXXX ) and another sent - I received a letter 2 days after this update saying my contact information was successfully changed, but still no card. I waited another 17 business days ( much longer than they proclaim it will take ) before calling and speaking to a rep named XXXX. She promised to expedite a card to me ( fees waived ) and that it would be here Thursday, which was yesterday. I checked the mail both today and yesterday, and received other mail, but still nothing from USAA. This is the 4th time I 've been expecting a card and not received one, but they did n't even have the time before this on record! I 'm livid ; I have been expecting this card for six and a half weeks! It 's been 40 business days and not a single card has reached me despite the letter I received to my address. Is there anything we can do about this? I lost money that could 've been used for so much other stuff and was broke in college just trying to get this card. I 've wasted so much time waiting for it.
Product: Money transfer, virtual currency, or money service

Ive been using Zelle for a very long time years. I have sent money to different individuals that were the wrong people. I was never given the option to verify the person. Ive lost a lot of money. And I would try to get some relief from Zelle and no answers or no result was given.
Product: Debt collection

I have been receiving receiving repeated calls from FIA Card services every single day for the past few months. 

Today, ( XXXX at XXXX ) a man called by home and said I was behind on my credit card payments. I can't recall his exact words, but he suggested that if I my missed my next payment deadline, it would reflect badly on my account. 

He asked for the owner of the account ( a family member that had recently passed away ) and when I explained this he offered to switch the account holder to my name, and he offered to schedule my payment for the due date. He requested that I give him my bank information over the phone. I initially offered to call him back with my information and he quickly said that he was willing to wait. Then I told him I changed my mind and said I would rather go into the bank to make my next payment. After this he said I could expect another call to discuss switching over the account. Then he asked if I could provide him with a second number where I could be reached.
Product: Debt collection

Creditor is calling my place of employment several times a week sometimes several times in one day and I have asked them to not contact me at work.
Product: Credit card

IN XXXX 2016 I PLACED AN ORDER TO XXXX. ADDED TO THAT ORDER WAS A {$300.00} XXXX. I RETURNED THAT PART TO XXXX. I HAVE A THICK FILE OF PAPER WORK TRYING TO GET THIS RESOLVED. ON XXXX/XXXX/16 I RECEIVED THE 4TH LETTER FROM MY CREDIT CARD CO. TELLING ME I WILL PAY THAT AMOUNT TO THEM. ON XXXX/XXXX/16 I RECEIVED A EMAIL FROM XXXX STATING THEY REIMBURSED MY CARD CO. PLEASE HELP.