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

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX # : XXXX ACCOUNT NAME : XXXX XXXX  # XXXX This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX
Product: Credit reporting or other personal consumer reports

RE : You violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) charge error ) Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing errors.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement ( 5 ) A computation error or other similar accounting error on a creditor 's statement. 

Upon conducting a recent examination of my credit history, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status. which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment.
Product: Debt collection

On my credit file is a collection/XXXX XXXX  account for XXXX XXXX XXXX/I C System. I disputed this with all the credit bureaus, and it came back as Account information disputed by consumer, meets FCRA requirements. They state that this has been open since XX/XX/XXXX and then it states the last account activity was XX/XX/XXXX. I do not have XXXX XXXX  and I do not remember ever having it.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my deep dissatisfaction with the ongoing technical issues I have experienced with Capital One Banks Business Bill Pay service, which have remained unresolved since XXXX XXXX XXXX  My company, XXXX XXXX XXXXXXXX XXXX, has been unable to use this essential service due to persistent technical failures on your website, leaving me with no choice but to resort to alternative payment methods at considerable inconvenience and cost. 

Over the past three months, I have made approximately eight attempts to contact Capital One customer service to address this issue, but my efforts have been met with either inadequate responses or complete silence. I escalated the matter by reaching out directly to XXXX XXXX XXXX, a bank manager, who went above and beyond to assist me. We had an extensive conversation on XXXX XXXX XXXX  where I clearly communicated the severe consequences of this ongoing issue. I explained that the unavailability of the Business Bill Pay service could result in checks being lost or stolen, which would not only incur financial losses but also jeopardize the timely payment of essential bills. 

While XXXX XXXX was responsive and empathetic, she ultimately had no answers from the back office, despite her best efforts to find a solution. She even offered me business checks as a temporary measure to cover the costs of issuing checks manually, which I appreciated. However, when I received an email from your back office roughly three weeks ago, I was falsely informed that the issue had been resolved, only to later discover that this message pertained to my personal bill pay account, not my business account. 

The situation escalated further when, on XXXX XXXX XXXX I received a delinquent payment notice from my lender, stating that both my mortgage accounts were overdue due to checks that had not been delivered on time. This delay was directly caused by the ongoing failure of your Business Bill Pay service, which I had trusted to handle these payments.
Product: Student loan

Thousands of students were scammed by Sallie Mae/Navient into taking out predatory private loans to attend for-profit schools such as the one I attended, XXXX XXXXXXXX XXXX XXXXXXXX XXXX As a matter of fact, XXXX XXXX XXXX XXXX on the list of School for student loan forgiveness found here ; XXXX XXXX XXXX I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a `` preferred '' lending company in a " deal '' with these schools during the early XXXX XXXX These private loans with a high risk of default were part of a package deal offered to " for-profit schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of the borrowers scammed into taking loans to at least 150 for-profit schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend for-profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools. 

The interest alone is crippling and I fear I will never pay it off, even with doing double the payments after I refinanced THROUGH Navient. They are claiming that I can't apply for the School Misconduct Discharge due to refinancing. I went through Navient instead of possibly getting a better rate and not getting even more screwed over, because I was hoping we would get some relief from such a corrupt company. We have paid over {$80000.00} on a loan that started at around {$54000.00}. My own mother put off retirement to help pay on these loans, sometimes making interest-only payments just to keep our heads above water. I have fully taken these over and it's crippling as I'm paying more to try to do everything I can to get out of debt.
Product: Debt or credit management

I was charged up front fees and not received services from Lexington law credit repair
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed them without incident. You, however, seem to claim you've verified the accuracy of the information. I also contacted the furnisher and they approved of deleting the accounts from my file due to the misleading information it caused.I 'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX FINANCE XXXX, XXXX FINANCE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad account stolen identity Account was deleted XX/XX/XXXX and then added back to credit report 30 days later XX/XX/XXXX when account was deleted the creditor name was XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX  when account was added back to credit report credit had change there name to XXXX XXXX XXXX/XXXX/XXXX XXXX and is trying to report the same account under different name with same account number XXXX for this account I attached copies from my online Experian resulted showing the account was deleted with the same account number and the added back on to my report also attached copy of police report Creditor XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Amount XXXX
Product: Debt or credit management

Transaction 's made with out My permission. And my personal information was released to other companies that had nothing to do with my account or personal information and I did My taxes threw cash app and I never received my federal taxes back I was requested to verify my ID several times but was never accepted so loss of funds and My Cash app account was closed and is closed at this time with My funds froze thank you for your time and support very much appreciated.
Product: Credit reporting or other personal consumer reports

I've been having trouble with an eviction debt, due to unlawful means of eviction. Company raised rent and made a new policy to not take partial payment, rendering our gov support for rent useless. The stopped taking payment. Since then I payed back nearly XXXX through garnishment of wages, but recently wona dispute in court and had it thrown out and closed. I was completely reimbursed. The most recent dispute is moving that debt around and I keep getting turned down for getting a lease for even XXXX XXXX XXXX XXXX XXXX XXXX. I have court documents and email correspondence saying they can't give me that information because they can't prove who I am. They are trying to give me to give them information on myself to use against me. This situation has already contributed to the XXXX XXXX XXXX XXXX XXXX who was also joined on the lease for being forced on the streets when she was sick. I have a right mind to sue XXXX XXXX XXXX  over this
Product: Credit reporting or other personal consumer reports

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account here : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$530000.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update this disputed account. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the account must be promptly updated according to Section 1681i ( a ). Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the account has been updated. Once this has been accomplished, please forward me an updated copy of my credit report to the address provided.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry that appears on my credit report. The inquiry in question was made without my permission. However, I have not authorized this inquiry, and I believe it to be inaccurate and unauthorized.
Product: Checking or savings account

The company closed our accounts including 1 checking and 2 savings and we are not sure of what they did with the XXXX, XXXX and over XXXX dollars that were in the accounts. 2 were minor childrens acts. 

In The second situation, the acct was overdrawn by XXXX dollars for 8 months even though, primarily because of more than 5 overdraft fees sometimes in a day! 

We had our Dept of Treasury direct deposit of XXXX going into the account monthly from XX/XX/XXXX through XX/XX/XXXX with no progress. The account remained in an overdrawn status with 3 transactions coming in less than {$50.00} over this 8 month period. 

The bank acted as though they Never received ANY monies for our account and therefore kept charging the account unlawful fees. We feel this was retaliatory because we complained to the bank manager in late XX/XX/XXXX that {$200.00} was missing from the account and was taken over the counter on a day I could not leave home due to car trouble! 

When we presented the police reports and datelogs, XXXX responded that bank policy would allow fees to be stopped on the account and a credit applied. She never responded to our requests for assistance. In XX/XX/XXXX, we halted our direct deposit through the Dept of Treasury, less than 3 weeks later they closed our account. A total of 8 months later, still with no resolution. This was my minor childs account for 3 years. We have lost complete confidence in these two banks. 

PS. Until today, the first bank is still hiding my money in an invisible account, which I need because I am paying my Sons tuition out of pocket for now and a daughter I am preparing for college next year Thanks for your help. I pray Justice is Served! 

Thank you fo
Product: Debt collection

XXXX XXXX company is trying to get me to pay alleged amount of {$300.00} for a loan I did not get. First call was made on XX/XX/XXXX and told them my identity was stolen and the debt does't belong to me. Today, this alleged debt hasn't been marked as " disputed '' which will result on a penalty of {$1000.00} for not doing so, also reported it not only to XXXX but XXXX as well. I am filling a complain, but also, disputing debt through Credit Bureaus, to the XXXX, and State Attorney General. I will keep doing so until this Collection account is removed, willingly, from my file. If not, I will be adding this account to my identity theft case I currently have with all XXXX credit bureaus so the information will be blocked from the reporting agencies directly. 

A Validation Letter is attached along with XXXX regulations.
Product: Debt collection

Express Recovery services is still reporting and attempting to collect on a debt that was covered under insurance. I have been in the military serving our country for more than 15 years. We have amazing insurance with no deductible or co-payment. XXXX has advised us multiple times that they have taken care of this and it should have never been sent to collections.
Also this debt is from 2010 and we have never made a payment. It is past the statute of limitations in the state of Utah. This debt is not valid and we do not owe it.
Product: Vehicle loan or lease

In XX/XX/XXXX, I took out an auto loan through TD Bank for aXX/XX/XXXX XXXX XXXX XXXX. In XX/XX/XXXX, with less than {$2500.00} owed, I had to file Chapter XXXX  bankruptcy because TD Bank refused to work out a payment plan on the remaining balance. That Bankruptcy was discharged and in XX/XX/XXXX, I filed for Ch-XXXX  Bankruptcy to obtain a payment plan to payoff the TD Autoloan as they refused to restructure or give me any type of affordable payment plan. My Ch-XXXX was completed in XX/XX/XXXX and I was issued a final report showing that TD received the balance in full of their claim. I have been trying for 2 years to have TD Bank release the title to my vehicle to which they have vehemently refused. I have spoken to managers, customer service people, branch staff and at this point am considering legal action.
Product: Debt collection

Wells Fargo has failed to provide enough information to support validation of debt requested by me the consumer. Attached is the most recent letter they sent me, PLEASE READ THE LETTER CAREFULLY AND URGENTLY THANK YOU!!
Product: Checking or savings account

I received a debit card in the mail from chase bank that is attached to a bank account that I did not open. I have not opened a chase account recently at all.
Product: Debt collection

Was in the hospital for a XXXX XXXX for 5 days I have XXXX and XXXX secondary insurance I did not know I would have to pay out of pocket for the 5 day stay in the hospital.I got a bill for {$810.00} I am a senior citizen on a fixed income and started to pay {$20.00} a month to XXXX XXXX XXXX in Florida got the bill down to {$690.00} and they sent a remaining account balance due statement that I should pay a total of {$120.00} total amount due. I paid the {$120.00} in full to XXXX hospital. I have all paper work and a copy of the cancelled check I sent.. 

In XXXX or XXXX a get a notice of debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX that I owe {$780.00} for my XXXX Hospital bill what should I do about it??
Product: Credit reporting, credit repair services, or other personal consumer reports

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 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

THERE ARE TWO ACCOUNTS ON MY REPORT IN WHICH SHOULD NOT BE THERE. 
- CAPITAL ONE WHICH WAS LAST REPORTED XX/XX/2021 XXXX XXXX XXXX XXXX WHICH WAS LAST REPORTED XX/XX/2021 BOTH ACCOUNTS ARE CLOSED BUT SHOUD NOT BE ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

When I apply for my CR online, per their website ( Experian ), I get referred to this site : https : /XXXX Alas, when I enter my information into this site both XXXX  and XXXX provide my report immediately, but Experian states there is a problem with the site and I have to request my report by mail. This happens every year. They deliberately make it difficult for us to get our report. I should not have to apply by mail. 

( We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX )
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. 

XXXX XXXX  # XXXX XX/XX/year> -- {$6000.00}
Product: Debt collection

Upon checking my credit file Ive noticed a company named ERC has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from above company to be removed from my credit file.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them.

I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Product: Credit card or prepaid card

On XX/XX/23 I was at work ( Im a XXXX XXXX ) in clinic and I got a notification from XXXX of my XXXX credit cards ( XXXX  XXXX ) asking if I charged {$350.00} to XXXX. I said no but assumed it was an accidental charge by XXXX since I had been there recently. I had to finish my work day but on the drive home about XXXX hours later I called XXXX  XXXX and discovered that my entire wallet was missing. At that point I checked my Bank of America checking and credit card accounts and discovered that a purchase had been made for {$300.00} at XXXX XXXX on my credit card ( my debit card had not had any purchases, likely because you need a pin ). I immediately called Bank of America and reported fraud over the phone and had them cancel my card. I also told my parents because I had had a XXXX  Bank of America credit card from a family joint account that I never use. They discovered that {$88.00} has been charged to that card as well. Later that night my dad received a call from a nana her at XXXX XXXX reporting that my wallet had been found in the trash. The next day I picked it up and my ID and library and debit cards were there but all three credit cards were missing. 

I am 100 % certain that my wallet was stolen and my credit cards were used without my permission. It is possible that it was taken from my backpack as I walked to work but unfortunately I have higher suspicion that my first patient took it from my bag, since it was in the corner of the room for a period of time when I was not present. 

XXXX XXXX  has since closed their fraud investigation and credited me the money such that I have XXXX liability because they determined this to be fraud. This morning, however, I woke up to a letter online from Bank of America saying that they did not determine this to be fraud because my card was used for the charges ( which we already know since it was stolen and my wallet was thrown in the trash ). I was at work at the hospital when the card was charged and I still dont have my card in my possession. I would love assistance in further disputing this resolution and appreciate any assistance you can offer. The most recent resolution letter was from XX/XX/XXXX. Of note, I have no receipts of the purchase because I was not present and did not make them.