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

I keep getting these updates from collection agencies that I do not owe at all this is under the law 15 usc 1681 XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} Lvnv funding llc XX/XX/XXXX {$920.00} XXXX XXXX XXXX {$860.00} XX/XX/XXXX Lvnv funding llc {$470.00} XX/XX/XXXX Lvnv funding llc {$450.00} XX/XX/XXXX All these are reporting opened accounts but they are closed and its tarnishing my character and Im trying to purchase a home and cant do so because they are reporting false information about me
Product: Debt collection

Please remove the current debt listed on XXXX and XXXX being that the debt was removed and is no longer listed on XXXX. I Am asking that you honor the XXXX report and its removal of the debt.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, i applied and was approved for a {$2000.00} installment loan. I received the funds on my debit card ending in XXXX that day at XXXX XXXX ( reference loan ID XXXX ). Ace advises that they offer a XXXX hour satisfaction guarantee and that if you return the principal within XXXX hours you will pay nothing more. The FAQs for Online loans state " To cancel the loan, please send an email to XXXX with a request to cancel your contract OR call us at ( XXXX ) - ACE-CASH ( XXXX ). The XXXX hour right of recission is also stated on the contract terms i agreed to. 

On XX/XX/year> at XXXX XXXX XXXX, i called to cancel my installment loan and was told I called in time and to make sure i had the principal amount ( {$2000.00} ) available in my account for when they withdraw it. I called on XX/XX/XXXX at XXXX XXXX as the funds had not been withdrawn. i escalated to a supervisor and spoke with " XXXX '' who acknowledged that the original representative did not process the cancellation as he should have, to not worry that i wont be charged any interest. i called on XX/XX/XXXX and escalated to a supervisor " XXXX '' as an installment payment was taken out and the account showed i owed interest. He advise that " XXXX '' had not responded to their emails and that he would follow up and assured me there would be no interest charged. To date, i have had a second installment payment withdrawn and i am still being charged interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent certified letters to Experian, XXXX and XXXX regarding an error on my credit reports regarding XXXX XXXX XXXX. In these letters I stated that they were reporting this an an open account which is not under FCRA compliance. I also stated that there was account number with one and it wasnt the full account number and on the other reports there was no account number at all. Also the dates are not the same and being reported as past due which is also not in FCRA compliance. All bureaus should be reporting the same information all around the board. While examining I noticed that the account was updated instead of being removed or corrected. I will attach an image of the reports showing all the errors as well as the certified letter receipts.
Product: Debt collection

They have listed on my Credit Report that the debt was incurred in XX/XX/XXXX. 

This is impossible since I have not been a member of XXXX XXXX XXXX California since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Debt collection

This was the agreement if paid it will be removed off my credit report still there that was the agreement
Product: Debt collection

I have a balance at XXXX XXXX. I've written several times about the high interest and fees regarding this loan. 

I would be happy to pay {$100.00} per month or whatever is agreed upon as I told them before. 

I received a letter from XXXX XXXX XXXX regarding this. The reason I haven't been paying on it is the interest and fees HAVE NOT STOPPED ACCRUING. 

I want the interest and fees to stop accruing from the time I made my last payment, whenever that may have been. 

Now I received this letter from the law firm and they are trying to charge me {$500.00} in attorney 's fees. ARE YOU F KIDDING ME? They are out of their mind if they think I am paying them one dime to write a two paragraph canned letter where they changed the amount and my name and took them 5 minutes. 

I would like to know the total amount of obligation WITH ZERO ATTORNEY 'S fees so I can start paying on the balance WITH NO INTEREST OR FEES from the time I made my last payment a few months ago. This was XXXX 's decision to send this to the attorney. So often, they send it over and laugh about it, then charge the consumer. 

I am also tempted to turn in this law firm to the Bar Association in TN due to this gouging of a payment.
Product: Student loan

When XXXX XXXX became Navient, 1 ) bills did not arrive in a timely fashion. 2 ) My payments were split between XXXX different loans thus making me short on both 3 ) When I called to inquire, the CS reps & their supervisors were kind but their info was not what I saw on line. 
4 ) The payment addresses for the borrower were never consistent. 5 ) I had tried to pay on line via bill pay & switched to a check in the mail. I was told by a rep the computer decides how to split the payment ( interest, principal, amt due ) so I should make my envelope heavier, pay the extra postage & the computer will XXXX it out so a human has to open it. 6 ) The paper bills that do arrive do not accurately indicate the borrower, loan id number or acct number. 7 ) When I finally get a bill, there is ALWAYS a past due amt and when questioned why a original bill was never generated, no XXXX can answer. 8 ) The bills do not indicate if the loan is federal or private. 9 ) if I print off my statement at Navient.com- I can see which loans are private/federal but when speaking to a rep, they insist the XXXX loans are federal. 10 ) I requested payoff figures for all loans & stopped paying since the payments were NOT being applied to the correct loan. As I tried to apply to another company to transfer the loans, Navient dropped my fico score XXXX points. XXXX ) The calls from XXXX, XXXX, etc.. begin a XXXX, continue all day including my cell at work ( in an XXXX ) and if I do pick up, it is a recording telling me this is XXXX- call another number. if it is a weekend, the office is closed. 12 ) Every individual I speak to I ask that the call be recorded and that I have every intent to pay but Navient has to be accountable to apply my payment to the correct loan. 13 ) When I printed off the payments applied to loans, there is no consistency of what is applied to interest, principal or balance. XXXX ) I have contacted the customer advocate directly & the CEO of Navient. The advocate provided me with payoff figures but can not stop the calls or explain the no bills & past due amounts. My husband & I are salary. He as XXXX XXXX, if he has a XXXX, we need to pay out of XXXX We will not allow navient to tap into out bank account, we expect bills in a timely fashion & we expect Navient to be accountable. The billing/computer system is confusing & vague. It appears to be a purposeful attempt to confuse, over bill, & ruin the credit rating of the customer. Thank you
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX  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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit card

I had an American Express Gold card linked to a MR ( Membership Rewards ) account. In time I also got an American Express Everyday card and linked it to the same account. The MR account had a balance of around XXXX miles. 

I subsequently closed my Gold card. That is when the nightmare with Amex started, they closed my MR account as well stealing all XXXX of my points. I had to book a few air tickets which I was hoping to book using these miles but was not able to. In the meantime I travelled to XXXX and forgot about my misery. 

I returned and had to struggle to reinstate my account. Amex offered no explanation or compensation for not having my miles available to me when I needed to redeem them. I asked for compensation which was summarily ignored. 

I however noticed another issue, as per the contract of my Amex Everyday card, I was to receive XXXX points upon using the card to make {$1000.00} in purchases during the 1st 90 days. I completed these purchases, however again my points are not awarded to me. 

The Amex Membership Rewards department chooses to ignore all my tickets, I have escalated multiple times to managers who dont call back and the issue is still ongoing 3 months after it should have been resolved. I must have XXXX tickets filed for escalation and the MR department just never calls or tries to resolve them. 

I would like for Amex to acknowledge its errors and apologise in writing for closing my MR account without warning and for not making available my points for redemption when I needed them. 

I would also like for them to reimburse me the XXXX points I am legally entitled to immediately. 

I would also like for them to compensate me for : 1. Hardship caused to me due to all their errors. 
2. Not making my points available for redemption when I needed them 3. Making me run from pillar to post to claim something which I am legally entitled to as per contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was co-signing a car for my son, I was told that my credit wasn't going to be run more than once. I asked them to send the loan application to XXXX XXXX. I specifically asked that my credit not be ran because it was result in hard inquiries on my account lowering my XXXX XXXX. The people at XXXX XXXX assured me this would not be the case. But the following day I saw on my credit karma report XXXX new inquiries from they used to run my credit. I'm upset because I requested this not to happen and now I have tried to file a dispute with XXXX and XXXX. But I am unable to proceed.
Product: Checking or savings account

I have a savings and checking account at BECU which I have been trying to close since last year. Some time last year, i tried to deposit a 2 party check and they XXXX my access to my account which seems illegal. When I phoned in, they refused to remove the block. Unlike every other bank who would hold and reverse funds, they chose to remove all access i had to my account. 

Since then, i have tried to close my account in many ways, online, on the phone etc. 

On a phone call, i was told that BECU does not permit closing accounts on the phone and i must visit a branch ( which i cant ) or i must mail in the form. 

I downloaded the closing form and the fax number BECU has for account closing requests is also shut down. 

Then I mailed in a letter last month and I got a missed call from BECU but still no check and no confirmation of account closure. 

I would like BECU to close my account and send me my funds. I also dont know if they have tacked on any illegal fees since I literally have no access to my account or visiblility to it for a year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : account balance XXXXXXXX XXXX : ACCOUNT BALANCE XXXX in accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights.

15 u.s.c 1661 section 602 A. States i have the right to privacy.

15 u.s.c 1661 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

I filed a dispute regarding the validity of items on my credit repair. It has been 30 days and I have not heard anything back from the agencies or received a letter is in the mail. The original dispute was sent on XX/XX/2020 and the 30 day letter to comply was sent on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

XXXX matured XX/XX/XXXX, XX/XX/XXXX called US Bank and was advised that they couldn't credit my account in another bank but would send me a check in XXXX business days. I rec 'd check XXXX and deposited it on XXXX, check bounced XXXX. I called them on XXXX and was advised that they had an encoding error, and I had to file a " Declaration of Loss '', the rep. said the form would be emailed to me that day. XXXX I called and a rep said form couldn't be emailed but would mail it to me. I rec 'd the form on XX/XX/XXXX. I had form notarized and mailed it before XXXX on XX/XX/XXXX from the XXXX  XXXX in their return envelope. I called on XX/XX/XXXX and was advised that they had the form, and it was being processed but he would have it expedited because it was their error, he was updating the info when we were disconnected. XX/XX/XXXX a rep told me that info wasn't on the acct. and he would have a manager call me shortly. XX/XX/XXXX a rep said he had to email the unit that handled it and I could call back on XXXX. I didn't get anywhere on my calls XXXX, XXXX and XXXX, on XXXX a rep told me they never rec 'd the loss form. XXXX said manager would have that requirement waived and call me later that day. I had another form and sent it certified XXXX. XXXX I called and rep put a supervisor ( XXXX ) on who said it wasn't her unit, but she talked to a sup.in that unit who would call me today. It's now XXXX and nobody has ever called me. I called US Bank XXXX times and still have no idea when I'll receive my funds. This is their error, I shouldn't have to do anything, and they should expedite the resolution.
Product: Student loan

My XXXX and XXXX loans are through XXXX XXXX / Navient. For years I have been battling with them due to inflated fees and interest. They continue to offer me forbearance and no other assistance or proof of the validity of new fees etc ... It 's been a frustrating ordeal that they continue to hang over my head and ruin my credit. It 's a struggle to get any loan for a house or even rent due to this ... I 'm living with my mother! I have federal and non federal loans also private loans through Navient. I just need help. Please
Product: Debt collection

Proof of Federal Pell Grant as previously complaint stated in more detailed form.
Product: Credit reporting, credit repair services, or other personal consumer reports

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ew weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Experian are both reporting a bankruptcy. They have both stated this has been verified. This is false information. XXXX  does not report this information. XXXX XXXX and other credit reporting agencies have not reported this information. The XXXX XXXX XXXX XXXX has not reported this information. I have asked that this be removed from my XXXX & Experian files but they have both stated it was verified but have never provided proof of verification. This is not fair to me and this false information should be removed from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of Identity Theft since 2020 due to the data breach of XXXX. Since 2020 I've been dealing with countless situation in regard to this matter. I received communication from credit card companies and debt collectors in regard to accounts that were not mine. Due to fear and lack of knowledge of the law, I start making payment, even when I know this accounts were not mine. Now I received legal advice from my lawyer, that guide me to open an Identity Theft Report and send a formal complaint using CFPB. I have been trying to get in contact with the consumer report agencies without success. They are not working diligent in their investigation to solve this problem. As an evidence of the lack of investigation ; I asked XXXX to remove an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) that is not mine and they responded that the account was verify. At the same time I asked the issuer of the card to remove the information from my credit report and they send me a letter with this information : " We received a request to remove your name from the account number referenced above. Our records indicated your name is not on the account. '' Clearly, the agencies are not doing a properly investigation, causing me more harm. I called TransUnion to report Hard Inquires that were not authorized and they told me that there is anything they can do about that matter. I'm not asking for too much, just to have my consumer report clear of accounts that are not mine. All my correct account are from XXXX XXXX, were I currently live. I have account in local Credit Unions that have been paid accordingly. I didn't apply for credit card in Banks in the USA. This XXXX accounts are from stores that I dont even purchase any goods. Some are too far away from my home that I dont even have visit before. I don't know why the consumer reporting agencies don't have an specialist that can review the accounts and compare all the history to identify that the information reported can be XXXX. I'm tired of dealing with this sittuation and the next steps is going to be a legal one, if this complaint is not process properly.
Product: Mortgage

I AM REQUESTING ALL DOCUMENTATION REGARDING THE CANCELLATION OF DEED ON XX/XX/XXXXPERTAINING TO XXXX XXXX XXXX XXXX, XXXX GA XXXX. THIS IS NOT A DUPLICATE REQUEST, PREVIOUS CANCELLATION UPLOADED HAS A DATE OF XXXX, PLEASE NOTE BOTH AS ASSOCIATED WITH FRADULUENT LOANS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have confronted Experian with the facts that the accounts included in this complaint are past the statute of limitations to appear on my credit report, and that they should be removed immediately, but they fail to comply with my demands, as they are tied to an out of date, old, not correct address that I used to have more then 10 years ago, which is XXXX XXXX XXXX XXXX, XXXX, XXXX , ND XXXX. I have sent them proof of my current and correct address currently but they fail to comply with removing old addresses from my file, and any old, out of date, closed, paid accounts that are associated with it. I intend to file legal action against Experian for violating my FCRA rights.
Product: Debt collection

Dispute was sent to Portfolio and a request for proof of debt. Portfolio sent a statements from XX/XX/XXXX to XX/XX/XXXX showing a balance of {$2400.00}. 

These bills are not valid because they don't have the correct address and there were no charges showing on the bills to show how the account came to a total of {$2400.00}. 

The name was changed within that time due to identity theft and address was not address at the time of total balance. 

Account balance had been disputed with creditor several times due to bankruptcy and about owed at bankruptcy. 

Identity theft and FTC reports were submitted to all creditor. 

I'm requesting proof of charges from the account number in question ( XXXX ) showing charges to total {$2400.00}