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

BARCLAYS BANK DELAWARE is violating my privacy right by reporting the account BARCLAYS BANK DELAWARE XXXX WITHOUT my consent. No consent is identity fraud. BARCLAYS BANK DELAWARE is violating the following codes : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy.
Product: Credit reporting or other personal consumer reports

I've observed several deviations from mandatory reporting standards, casting doubt on the accuracy and completeness of the data in my report. Consequently, I refute your allegations and challenge you to substantiate your right to report this incomplete negative information on my credit report. 

In accordance with XXXX XXXX XXXX, " Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Furthermore, XXXX XXXX XXXX XXXX ( Regulation XXXX ) mandates furnishers to : Furnish information about accounts or other relationships with a consumer that maintains integrity. 
Furnish accurate information about accounts or other relationships with a consumer. 
XXXX reasonable investigations of consumer disputes. 
As stipulated in the XXXX, to make a lawful report, adherence to XXXX XXXX compliance standards is essential. Any deviation from these standards jeopardizes the integrity of the data, impacting the accuracy of federally regulated reports. 

Hence, I am exercising my rights to challenge these inaccurate and non-compliant items. Failure to address my demand would indicate a disregard for my consumer rights. It is unjust for you to report information that lacks confirmation of ethicality and fails to meet certified reporting standards. Once again, I challenge these claims and request proof of adherence to proper reporting standards. 

Your actions constitute a violation of my rights, as outlined in this document. The incomplete nature of your reporting does not align with legal standards. You must certify all aspects of required XXXX XXXX XXXX truthfully, correctly, in a timely manner, and completely. Failure to do so XXXX compel me to escalate these issues to the CFPB, FTC, and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX - XXXX I attended XXXX XXXX in XXXX XXXX, Florida. After graduating I began receiving student loan payment mandates. It was confusing because my college was being paid for by XXXX XXXX as I was an employee and any leftover was paid for through applying my G.I. Bill chapter XXXX from my military service. I was young and ignorant and began trying to pay the loan I didn't owe from the beginning. I began struggling to repay this loan almost immediately. I have had to request a forbearance at least 10 times over the past 20 years as I can not afford to pay it and Navient is demanding {$610.00} monthly payment for who knows how long it'll take to repay the loan. Originally, after I graduated, a company called XXXX took on servicing the loan but then sold it to Navient. Navient reported that the loan was for {$30000.00} and have been reporting this for over 5 years now as Navient took over the account XX/XX/XXXX. With interest, Navient is reporting the loan for over {$65000.00} on my credit report. Twice now, since XXXX I have disputed this with all three credit bureaus, XXXX, XXXX  and XXXX. They have all refused to remove this account from my credit reports. They can not be requiring Navient to prove the {$30000.00} in loan as Navient can't prove this. The amounts are certainly wrong. I asked the three credit reporting agencies to have Navient provide copies of loan contracts that I signed both to me and to the credit bureaus. Navient has not provided me with one lender signed loan contract. I am requesting that you mandate Navient correct and delete the loan balance and interest balance altogether and have the credit reporting agencies do the same, immediately as this has seriously hampered my ability to acquire credit. If Navient can not provide you with proof of lender signed loan contracts then this information is incorrect and inaccurate. In XX/XX/XXXX, the IRS took my {$7000.00} refund check and applied it to my Navient account as a straight principle payment. XXXX, with Navient stated today XXXX XX/XX/XXXX XXXX on the phone that their system is now showing I owed {$50000.00} on principle when they took over on XX/XX/XXXX. As of the today, XXXX, with interest its {$65000.00}. Pay special attention to blocks 13E and 43 in the four loan requests documents as they were NEVER SIGNED by the lending officer with XXXX, the lender. Therefore, I shouldn't owe anything any money to anyone, to include Navient.
Product: Debt collection

I reviewed my recent credit report and there is an account being reported by XXXX XXXX, original account was XXXX XXXX in the amount of {$1900.00} and I am the victim of identity theft. I have tried to resolve this issue with the bureaus and only XXXX  has removed this fraudulent account. I reported the identity theft to the FTC and made a identity theft report, and the FTC report # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed some inquiries on my report that do not belong to me. I did not authorize them and believe these to be fraudulent. Please remove these from my report and add a security alert for my future protection. This is scary and I don't want it to happen again. I'm thankful that there attempt ended in failure.
Product: Debt collection

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am formally requesting validation of the alleged debt you claim I owe.

In order to comply with federal law, please provide the following documentation : 1. Proof of Ownership : A signed contract or agreement with my signature that verifies I owe this debt to your company or the original creditor.

2. Chain of Custody : Documentation showing the transfer or assignment of the debt from the original creditor to your agency, confirming that you have the legal right to collect this debt.

3. Itemized Breakdown : A complete and itemized statement of the alleged debt, including the original amount, any fees or interest applied, and the current balance.

4. Original Creditor Information : Complete contact information for the original creditor, along with a copy of any billing statements or other communications sent by them.

5. Proof of Compliance with State Laws : Any documentation verifying that you are licensed to collect debts in my state of residence and that the statute of limitations for collecting this debt has not expired.

6. Reporting to Credit Bureaus : Documentation showing that the debt has been reported accurately to any credit reporting agencies, including the dates of reporting and any disputes noted.

By law, you are required to cease all collection activities and communication with me until you provide all of the requested information. I await your response.

Please note, any failure to provide sufficient validation within the legally required time frame will result in your claim being considered invalid, and I will demand that you remove all references to this alleged debt from my credit report with all major credit bureaus ( XXXX, XXXX, and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an account with XXXX XXXX XXXX. The last payment dates and also the closed dates doesnt match across the board for all three credit bureaus. The amount shown that I owe is also incorrect. This account is a part of a class action lawsuit. The attorney General office of SC is a part of the lawsuit. XXXX has agreed to remove the accounts off of the consumers credit report. Not only has the account not been removed it is also reporting inaccurately. I have previously reach out and the account was updated to accurate which is incorrect. According to all three credit bureaus I owe XXXX. According to XXXX I owe XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. Charge-Off Accounts listed below must be DELETED IMMEDIATELY! d
ue to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Mortgage

I am the executor for my Mom 's estate, prior to her death in XXXX I had PNC add my name as POA to her accounts ( they accepted documenation ). Earlier this year I opened an estate account ( they accepted documentation ). Went on XX/XX/XXXX to get a 12 month mortgage history and a payoff of her Home Equity loan since we are selling the home. PNC back office requested the same paperwork used to open the estate checking account ( which branch had in their file still ), branch personal faxed those papers ( have fax confirm ). They said it was a XXXX day process, on XX/XX/XXXX I received a letter from PNC dated XX/XX/XXXX that they needed they some of the same docuemntation which was successfully faxed to them on XX/XX/XXXX by PNC branch personnel. I have since managed to document the past 12 month payment history on my own, all I need is a payoff of the Home Equity so I can sell her home from her estate. I have been in various XXXX XXXX XXXX XXXX since XXXX, my Mom and I have had accounts at PNC for over 25 years. The branch had all the needed paperwork in their pocession since estate account was opened. It takes XXXX seconds to provide a payoff statement. I am embarrassed that a bank can be so messed up and not trust their own branch personnel to handle a simple payoff request. ( branch had all requested docs and they processed fax )
Product: Student loan

I am applying for XXXX XXXX XXXX XXXX with MOHELA. I sent in my income verification in Fall of XXXX. While some of my income has been verified and approved, much of it has not. Some of my income does not qualify and I understand this. However for the rest of my income that does qualify it is taking a VERY VERY long time for the information to process and be certified. I have called several times and every time I am told they are working on it, yet I do not see progress with my account. 
For instance - I have a period of qualifying income that dates from XXXX to XXXX. MOHELA has certified my income for this employer from XXXX only. I am missing 3 years of certified payments and income! 
I have sent them verification of my employment from XX/XX/XXXX to XX/XX/XXXX. Once again they have only certified part of this time period despite the fact that I worked for the same employer the entire time. 
Employment information I have sent more recently, covering from XX/XX/XXXX to XX/XX/XXXX has already been processed but the earlier information has not- despite it clearly showing as received and processed. 
PLEASE update my file so it accurately reflects my efforts at XXXX. I am doing my part MOHELA needs to do theirs!
Product: Credit card or prepaid card

XXXX closed my ac after being paid off and full, then sent me a small remainder XXXX to collections, which I paid and told them it was paid. They said they would investigate, never heard back and then they closed my acc!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the following bureaus equifax, XXXX and XXXX about the following accounts and injuries that have been placed on my credit report as a way of fraud and it has yet to be moved off my credit file.i have sent etc reports and police reports and have contacted the finance companies and the information still remains. the following accounts are XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX THE FOLLOWING INQURIES ON XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX CU XX/XX/XXXX ; XXXX XX/XX/XXXX. 
THANK YOU XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, and again on XX/XX/XXXX, I received a letter from XXXX XXXX branch # XXXX, which is actually located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, but the letter was from XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX that claimed that I owe a debt to XXXX XXXX under account XXXX/XXXX. I do not have the debt they claim, since they tried to sue almost 2 years ago and was settled out of court over a year ago.
Product: Student loan

This year in XX/XX/2019, I sent Navient an IDR form letting them know I have no income, due to XXXX  XXXX and being left destitute by my abuser. Yet on XX/XX/2019, they harass me by letting me know of amounts like {$26.00} is due. They accept the IDR form, yet they continue to harass and charge me. I have no income, money, nothing. Its predatory. I've defaulted on my loans, then filled IDR forms, due to a history of poor health and abuse. Yet they harass and badger me after they accept the IDR form.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes. Particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies. My financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, still a few account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus is obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$13000.00}
Product: Checking or savings account

Since filing my bankruptcy, Navy Federal Credit Union has placed an alert and flagged my account about my bankruptcy proceedings and the loss they incurred. 

Since the discharge of the bankruptcy, this flag has remained on my accounts. When I requested the flag 's removal due to the discharge of the bankruptcy, XXXX of their agents in their bankruptcy department stated that it was there for legal purposes and would not be removed. When I inquired if it would be on indefinitely or if there was a date when this would be removed, she declined to answer and said, " I can't say. '' As a result of this flag, I do feel discriminated against in some regards in doing business with the agency as the first thing that pops up on their screen before they can have a chance to interact with me as a valued customer is the red flag alert, 'THERE IS A LOSS ASSOCIATED WITH YOUR NAVY FEDERAL ACCOUNT ( S ). ' My accounts with this organization were never delinquent when I entered into bankruptcy, as I always held good standing with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed all three agencies that I have been a victim of id theft and requested that the items be deleted with no result I have even given the name of the suspect. one company, XXXX even has the same item listed twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Inconsistent dates of last payment on a charged off account XXXX - reported XX/XX/XXXX XXXX  reported - XX/XX/XXXX 2.Date Last Active - XXXX reported XXXX XX/XX/XXXX XXXX reported - XX/XX/XXXX XXXX reported XXXX 3. XXXX is reporting a High Credit amount of {$1700.00} on a C/O account that should only be XXXX according to FCRA Guide XXXX is showing {$0.00} as it should XXXX is showing {$1700.00} 4 All the 3 bureaus are showing past due amount of@XXXX as of XX/XX/XXXX on account that was Charged off since XX/XX/XXXX 5. XXXX and XXXX are both reporting as of XX/XX/XXXX, Credit limit of {$1700.00} instead of {$0.00} on account that was charged off in XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired insurance with XXXX XXXX in XX/XX/2021. I set up automatic payment and every month I had a problem with something from them accidentally deleting vehicles and then adding them back. When XXXX bill hit my account it went from XXXX to XXXX for the month the bill was due on XX/XX/XXXX and I canceled the policy on XX/XX/XXXX looking for a refund of 10 days instead I got a bill of XXXX. Nobody can tell me why I will be paying this when I never missed a payment and they add a premium after my insurance was already canceled. I disputed this with the credit bureau and I dont believe they should be able to charge anyone for a policy once its canceled.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan with both XXXX  XXXX  and XXXX XXXX. Another company called me me, Nationwide Loan Consultants, saying they were the broker. They had my info for the previous application at XXXX  XXXX  or XXXX, so I trusted them. The person told me he was verifying what I had told the other lender and that he was running my credit, and I needed to agree to that. We were on the phone together, and he asked me to sign the credit check and for him them to look for a loan, which I did while on the phone talking to him. I received a call today, and I was told they would charge 10 % fee to find a loan- I wasn't told this the day before when I signed for a credit check. I had already secured a loan a few days before, and I was only shopping to see if I could get a better rate. I felt this was fishy, and I told him that I wasnt interested and to cancel, and then he told me that I signed a contract. I told him I didn't realize I signed a contact yesterday, and I was canceling it immediately. He transferred me to another person who tried to get me to do it, and I said no again. I received an email with the language below. I thought I was doing a credit check - not this crazy stuff!!! I did not realize they were scamming me. I do not want them to be able to check my credit or do anything with my personal information. I was unable to view what the document was during the phone call, and I was unable to access the document after the call ended ( I clicked the link again and the message said : You are using an old link, please use the newest link sent to you. ), and I was not emailed the document until after told them today that I didn't know I signed a contract and to cancel it. This is a terrible, scamming company.

Per section number 3 and 7 of the contract
you signed, you agreed to the non-circumvent clause of the contract, which gives us the right to periodically check your credit and check " Lending Records '' to make sure you have not circumvented us with any of the lenders we recommended to you, which you are under contract for. In addition, your cont
ract with us also allows us to collect a consulting fee of ( 10.9 % ) of the total dollar amount you received, as well as a late fee of ten ( 10 % ) percent of the administrative fee which will be assessed if the consulting fee is not received within 72 hours ( about 3 days ) of the date you received access to the funds. You will also be responsible for attorney fees and costs, if you breach the contract with the company. 


In Closing ( there are ABSOLUTELY NO FEES for our services if you have taken no loans from any lenders listed above. The only time a fee would be due is if XXXX of the Lender 's offers is accepted by you in the next 3 months ) Best Regards, XXXX XXXX Personal Loan Concierge @ XXXX XXXX : XXXX eMail : XXXX XXXX XXXX XXXX  XXXX @ XXXX XXXX : XXXX email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Request to Update Credit Report Portfolio Recovery Associates Negative Reporting To Whom It May Concern : I am writing to request your assistance in correcting an inaccurate report from Portfolio Recovery Associates , LLC on my credit file. The account in question pertains to a debt purchased by Portfolio Recovery Associates from XXXX XXXX XXXX. and currently reflects a negative status, which does not accurately represent my current payment arrangement. 

The details of the account are as follows : Account Number : [ XXXX ] Original Creditor : XXXX XXXX XXXX 
Balance : {$380.00} Payment Plan : Active ( with XXXX payments remaining as of XX/XX/2024 ) Next Payment Due : XX/XX/2024 As the attached documents demonstrate, I have entered into an active and agreed-upon payment plan with Portfolio Recovery Associates to resolve this debt. I have been making timely payments according to the schedule, as evidenced by the confirmation of my most recent payment made on XX/XX/2024. 

Despite this, the account is still being reported as a negative collection account, which is unfair and inaccurate. The status of this debt should be updated to reflect the active payment arrangement and my continued adherence to it. Therefore, I am requesting the XXXX XXXX XXXX XXXX intervention to have Portfolio Recovery Associates correct this reporting and ensure that the information reflects the positive status of my ongoing payment plan. 

Please ensure that the updated information is reflected with all three major credit bureaus : XXXX, XXXX, and XXXX. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that the necessary corrections have been made. 

Sincerely, XXXX XXXX XXXX