23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH 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 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 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 reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint of Deceptive Reporting Tactics Dear Experian, I am writing to file a formal complaint regarding a recurring issue with my credit report involving a collection account. Previously, I successfully disputed a collection account listed under the name XXXXXXXX XXXX XXXX XXXXXXXX ( Account Number : XXXX ) for {$3700.00}, and it was subsequently removed from my credit report between XX/XX/year>, and XX/XX/year>. However, a new collection account has now been added to my credit report under the name XXXX XXXX XXXX, listing the same debtoriginally owed to XXXX XXXX a slightly adjusted balance of {$3700.00}. This practice appears to be a blatant attempt to circumvent the removal of the original collection account by re-reporting the same debt under a different agency with an altered balance. The details of the new account are as follows : Creditor Name : XXXX XXXX XXXX XXXX : {$3700.00} Account Status : Placed for Collection Account Opened Date : XX/XX/year> This behavior constitutes a violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : XXXX. Deceptive Reporting Tactics : The re-reporting of the same debt under a different collection agency name and with a different balance is misleading and appears to be an attempt to reintroduce a previously disputed and removed collection item. 2. Accuracy and Fairness : This re-reporting does not adhere to the principles of accuracy and fairness required under the FCRA. The debt in question should not have been re-added to my credit report after its removal. I am requesting a thorough investigation into this matter. Please provide the following : Verification of the new collection account and its accuracy. Evidence that the new creditor has a legal right to report this debt, particularly after the original collection account was disputed and removed. Enclosed, I have attached : XXXX. A copy of my credit report showing the previous dispute and removal of the original collection account. XXXX. Documentation of the new collection account added under XXXX XXXX XXXX. XXXX. My previous dispute letter, which led to the removal of the original collection account. I request that you immediately remove the newly added collection account from my credit report and take appropriate measures to ensure such deceptive reporting practices do not occur again. Please confirm in writing once this matter has been resolved and provide me with an updated copy of my credit report. Should you require additional documentation or information, feel free to contact me. Thank you for your prompt attention to this matter. Sincerely,
Product: Vehicle loan or lease

The lending bank charged me higher interest than agreed upon.

My loan was for XXXX at 4.74 % interest rate. loan was originated in XX/XX/XXXX and paid off the loan by XX/XX/XXXX.

They charged my {$1300.00} as interest. But according to the loan calculators it should be less than {$900.00}.

If we look at the attached loan amortization schedule that they sent me, the interest charged keeps increasing in certain months although I have been paying down the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove the inaccurate informations that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items not later than 4 business days after the. Ive already included this in my previous Complaint # & I am including it again.Here are the inaccurate items that needs to remove : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX  XXXX Balance : {$8700.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, NJ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a Bankruptcy that is not on the other credit bureaus and has not proven or validated with any paper work
Product: Checking or savings account

I had already filed a complaint previously regarding capital one 360 that my closing balance was not sent to me previously after the complain capital one responded that my cheque will be sent back to me. 
But it has been more ghan 60 days no cheque is recieved
Product: Credit card or prepaid card

I opened an Avant mastercard by Invitation from Avant in XX/XX/2022, I was approved for a {$1500.00} credit limit with no fees. After receiving the card, I used it for {$320.00} then paid it in full before the payment was due. The next month Avant lowered the card limit to {$300.00} with no explanation, Avant hurt my credit for no reason. I am in a credit rebuilding situation already and their action put me further away from my goal of good credit. When they decreased my limit I had a XXXX score with ten old negatives and 13 positive current open accounts with like {$14000.00} available credit and {$150.00} balance cross all cards and 15 old closed accounts in good standings with XXXX bal. I had decent enough credit to get approved for almost any credit I applied for.. Ok here is the scam. If a customer pays the card in full every month and doesn't accrue any 29.99 % interest, they lower your limit by 80 %. I just read customer reviews from the Avant web site and most are almost exactly like what I'm writing here today. Paying their balance in full and having their limit decreased by XXXX % which lowers their credit score even more they're trying to improve! They are preying on citizens who are just trying to better their credit standings and it's not fair! We can't even close these scam cards because it will hurt our credit even more!
Product: Credit reporting or other personal consumer reports

This Company is reporting Inaccurate Information on my credit report on XXXX is shows this account was paid off XXXX and on XXXX it shows it was changed of for XXXX and it has XXXX accounts numbers on XXXX the letter this company wrote me stated that the loan was XX/XX/year> but in the credit report it shows XX/XX/year> I request that they provide a 1099-C form since it was charged off but this company refuses to send me any documents regarding this account being this company reported this account as a charge-off I have the right as a consumer to see any documents regarding this account I feel as if this company is providing false information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account DEPT OF ED/XXXX, Account # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish this account without my written instructions. I have not given ED/XXXX, EXPERIAN, or XXXX permission to publish this information on my credit report. I am in good standing with ED/XXXX therefore publishing my student loan information in my report is unnecessary and illegal. This has caused a negative impact on my score which has affected me with personal business I am conducting on daily basis. The removal of this information would be greatly appreciated. I am not denying my loan and will continue to be on good standing.
Product: Money transfer, virtual currency, or money service

Person I know sent me {$200.00} on Venmo. 

A couple days later, Venmo debits the {$200.00} from my account because a credit card dispute was opened on the transaction from the sender. Dispute reason was for an unauthorized charge. 

I provide evidence to Venmo that this is not the case, as I have evidence and screenshots of text messages with the sender. 

Credit Card case is closed in Sender 's favor, despite overwhelming evidence that the user authorized this transaction. Venmo does nothing to recover the {$200.00} on my account after debiting it from me immediately. 

Venmo has documentation of this in emails.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failed to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Transuion has failed to fulfill its legal obligation under fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestagation of disputed information on my credit report leaving inaccurate or unverifable accounts unresolved to the consumer financial protection bureau ( CFPB ) has recently filed a law suit against Transuion alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes, these failures align with the experience, where Transuion has neither corrected nor removed disputed items despite the evidence I provided, causing a ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transuion inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

Noticed INQURIES on my credit report that I didnt authorize I have no accounts with these companies,
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Equifax several letters beginning XX/XX/XXXX until XX/XX/XXXX with FTC reports and police reports stating that I did not recognize nor authorize the following inquiries : Creditor Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XX/XX/XXXX Reason : I don't recognize this inquiry Equifax refuses to delete them after sending letters. They are in direct violation of FCRA. I tried calling the agent stated, " Inquiries can not be deleted as they are verified. '' However, I stated I did not recognize these inquiries nor authorized any of these inquiries.
Product: Checking or savings account

On XX/XX/XXXX I received a ppp loan that I put in my personal account instead of a business account.. I made a few transactions for business zelle XXXX n paid with my credit card that I used for business n gas back. In 3 days they froze my account stating I don't have a business which I do a dba for 10 years n I sent them proof of it etc n they still say they can't release it due to they say they can't find my dba in the system n because I used my name instead of the dba which they should still be able to find it because I have no ein number it's under my social.. I sent them receipts because I didn't file that year but had a schedule c for XXXX I submitted to sba.. My bank capital one bank is the problem I been with them like 8 years I can't believe this.. I sent them all my receipts of that year with my business of which I built a house I was the general contractor.. The amount I received was XXXX n they also said they didn't receive any deposits in my account which I never use the bank I receive cash all the time.. So they got me oweing them XXXX n sending it back they said 5 months ago here we are in XXXX since XXXX
Product: Mortgage

I called about my VA loan to Citimorgage trying to get ahold of XXXX XXXX who was assigned to my loan. When I asked to be connected to his extention XXXX. The personnel answering phones asked my SSN and Loan number. I said I was trying to get this extention and did n't see a reason for her ( XXXX ) to have this info. She said FCC requires her to get info. She could n't help unless I gave her info. I did then she asked me my intention on my morgage. I said she did n't need to know that either. So I asked to talk to supervisor -- he said the same. I asked to schedule a phone call back from XXXX. It took 45 Min. I kept being asked to give my SSN number and loan. number and other personal info. The reason I am told is it is to protect my account from Fishing -- -how is that? I give me personal info to several people who have no reason for it and it is to protect me? When I complained -- I was told it was required by FCC rules. That is stupid. Everytime I call Citi and I complain -- they hang up, put me on hold, ignore my requests. It took me 45 Min to get a call back scheduled. When I finally talked to XXXX XXXX and complained -- he hung up on me. I sent him 3 emails requesting paperwork on how to send deed back to morgage co. Since they are not cooperating with my Short Sale request. XXXX has ignored my requestes for the paperwork. The VA said I can do a short sale for VA loan or give deed back in lieu of forclosure. But Citibank wont give me paperwork.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These two illegal collections are fraudulent and they need to be removed off my report. These two accounts are illegal and I've finally hired a credit specialist to remove these fraudulent items. Please remove these items off my credit report! 

XXXX XXXX  {$140.00} Date Opened XX/XX/XXXX XXXX  XXXX XXXX {$13.00} Date Opened XX/XX/XXXX **Inquiries** These inquiries are fraudulent and were never authorized to be run on my credit report. Its the reason I've hired a credit specialist. Please remove all these illegal/fraudulent inquiries off my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

THIS IS NOT A DUPLICATE COMPLAINT!!!!!!! 

WHAT CHANGES DID NAVIENT REPRESENTATIVE MAKE TO MY ACCOUNT IN EARLY XXXX????????? 

Navient in a response to me says theyve mailed me several renewal reminders between XXXX - XXXX and they never received a response back from me. 

1. I was homeless. Had no phone or internet service. And no mailing address. 

2. NAVIENT HAD INCORRECT CONTACT INFORMATION ON ME BETWEEN XXXX - XXXX. 

Around XX/XX/XXXX YES I DID SUBMIT A {$0.00} XXXX. 

1. I called and spoke with Navient customer representative informing him of my circumstances and situation.

2. Navient customer representative informed me to submit {$0.00} IBR and wait at least 6 months. Then submit a written letter with documentation and the late payments would be removed. 

NAVIENT IS NOT LISTENING TO A WORD IVE BEEN TRYING TO TELL THEM. 

In XXXX their representative made changes to my account. 

1. I phoned in asking for help!!!!!!

2. I made the representative aware I was homeless and had no services. I also made the representative aware I wanted to update my account so that Id receive future correspondence by email. 

3. I also made the representative aware I wanted help in fixing my account due to the extreme financial and emotional situation I was in. 

So my question is : 1. WHAT DID NAVIENT CUSTOMER REPRESENTATIVE CHANGE ON MY ACCOUNT BACK IN EARLY XXXX? 

Is there not a phone record or notes of that phone call? ARENT THEY REQUIRED TO DOCUMENT PHONE CALLS BETWEEN CALLERS!!!! 

GO BACK AND LOOK AT MY ACCOUNT!!!!! 

XXXX - XXXX I WAS IN DEFAULT YES!! 

I was in default for reasons I explained. I ASKED FOR HELP!!!!!! 

And none was given. 

So I am filing this complaint against Navient for not properly handling calls, complaints, and not thoroughly investigating matters. 

DOCUMENTS ATTACHED : 1. Password Protected Document. I will provide password once contacted via email by Navient. 

2. Forbearance approval document. WITH INCORRECT ADDRESS AND AROUND XX/XX/XXXX. XXXX WHAT DID CUSTOMER REPRESENTATIVE CHANGE ON MY ACCOUNT DURING TIME PERIOD?