23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I C System XXXX XXXX XXXX XXXX XXXX MN XXXX ph : XXXX reported to the credit bureaus that I owe ATT uverse XXXX. I canceled my service with them in XXXX of 2021 but I was late returning my equipment. the account went to collections and I returned my equipment and in turn ATT sent a final statement that the account was paid and closed. I'm still getting harrassed by debt collectors because they sell off the account. I have my final billing statement showing all debts were paid from ATT. I talked to ATT personally and they sent me a statement stating that all debts were paid see date of statement XXXX XXXX I have included in this report. I have requested from I C System to send documentation of this debt and they have refused to do so.
Product: Credit reporting or other personal consumer reports

XXXX, Experian are reporting inaccurate information. Violating Privacy Act of 1974 and helping commit security fraud. They have collections in my account that I never signed a contract with XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX As a Federally protected consumer I am opting out of XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX. Opt out XXXX Opt out means a direction by the consumer that you not disclose nonpublic personal information about that consumer to a nonaffiliated third party. All 3 major credit reporting agencies are third party. I tried and nothing. All three credit reports have non-public personal information. Only inquiry I should have is the XXXX XXXX Bank. Any other inquiry needs to be removed. I never gave written consent nor do I have any form of credit, open end credit, mortgage or conducting business. 



15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers Nonpublic Personal Information ( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers that is derived using any personally identifiable financial information that is not publicly available.

Nonpublic personal information means : ( i ) Personally identifiable financial information ; EXAMPLES : Personally identifiable financial information includes : ( A ) Information a consumer provides to you on an application to obtain a loan, credit card, or other financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; Certificate of indebtedness according to IRS publication is considered income and income is not supposed to be part of credit report.

1681b. Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. Opt out
Product: Mortgage

It is insane that I have to file this Complaint, but Wells Fargo 's complete and total disrespect for me, CFPB and the other entities that regulate WF makes this Complaint appropriate. I will not reiterate the underlying problem that was the subject of Complaint XXXX In short, in WF 's response to that Complaint, WF represented that it would pay me {$25.00} for its erroneous handling of escrow repayments. WF never made any payment to me. As a result, I filed Complaint XXXX, WF again responded it would pay me {$25.00}. WF has never made any payment. 
The {$25.00} is trivial. However, when looking back at the history of my Complaints, WF 's failure to pay shows its reckless or intentional conduct in setting up policies and procedures to delay payments owed to customers. Unless this conduct is investigated or WF faces meaningful consequences, WF will continue to treat its customers in this fashion. I request that WF be required to make the payment to me and that the proper entity investigate this conduct. 
I have never before filed a complaint about the conduct of a business.
Product: Vehicle loan or lease

On XX/XX/2023, I applied online for a line of credit. Customers Bank immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.
Product: Credit reporting or other personal consumer reports

I Recently demanded a deletion of inaccurate information on my credit report the results was a deletion of 3 accounts out of the 7 accounts i listed as inaccurate. the remaining accounts information was changed, which would be a violation. This would be BREAKING THE LAW, under the FCRA it is the duty of consumer reporting to report fair and accurate information at all times, If the information was accurate from the beginning there should've been nothing to change. I am also Demanding compensation in pursuant to 15 usc 1681n & 15 usc 1681s ( 2 ). Below I attached letters detailing my situation further. 

Also here is a list of inaccurate accounts. 

Initial Inaccurate reporting : XXXX XXXX  : year XXXX XXXX XXXX. Shows 60 to 60 to 60. One Can not be late back to back like this it should be 60 to 90 to 120. This is inaccurate. 

XXXX XXXX : year XXXX XXXX.-XXXX. Shows 120 days al through. this is inaccurate. 

XXXX : year XXXX. XXXX.-XXXX. Shows 30 days all through until XXXX. which then goes up to 60 days. this is inaccurate XXXX XXXX : year XXXX. XXXX XXXX. Shows 30 days back to back. This is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital Systems LLC They continue to renew the date on the debt in question. 
The latest date renewed on XX/XX/2022 from a previous date. 

This keeps bringing my credit score down every time they change the date to a newer one.

I have disputed the validity of the debt and have requested any documentation of Oral agreement, Written contract, Promissory note or Open-ended accounts. 

They have not responded to my emails or written letters requesting documentation. 
I have also requested for them to remove the debt in question from my credit report, which has obviously not happened. 

They claim that I have an open balance of {$1500.00}
Product: Debt collection

I have sent certified letter numerous times asking for them to send me a detailed itemized copy of the bill. I was charged {$1100.00} they refuse to give me an itemized copy. They did send be a bill that was broke down into groups but not a detailed copy, I Believe by law they have to. The company is Commonwealth Financial the address XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX XXXXXXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Money transfer, virtual currency, or money service

I am a venmo customer that has never had any delinquencies on my account, and my account has always been in good standing. I mostly use the venmo app to pay babysitters. On Sunday, XX/XX/XXXX, I mistakenly sent {$300.00} to the wrong venmo user. I almost immediately realized what I did, made another {$300.00} transfer to the correct venmo user and then contacted venmo to request that the first {$300.00} transfer be canceled due to my own mistake. I was asked a series of questions and provided all of the answers but was told that it would take 24 hours to get an answer about my refund request. 

Later that evening, venmo emailed me to say that I needed to contact the person that I mistakenly sent the money to and request that they return it to me. I found this strange because the {$300.00} had yet to be taken out of my bank account, but I did contact that person. He told me that he would gladly give the money back to me because it wasn't intended for him and that he had not even used his venmo account for a couple of years. 

He then tried to send the money back to me via venmo but his account was frozen. He then told me that he would call venmo and ask that the money be returned. When he called venmo, he was told that the money would not be returned because he owes venmo money so venmo was keeping the money I mistakenly sent him to collect the debt he owed. He told venmo over and over again that I did not intend to send him the money but venmo did not seem to care. 

When I found this out, I contacted venmo and explained that I was sorry that the person owed them money but that it is not my job to help them collect their debt, and that my mistake shouldn't mean that venmo can keep my {$300.00}. The series of venmo agents I spoke with ( including a supervisor ) said that there was nothing they could do and that I was most definitely not going to get my {$300.00} back. I told them that I would file a dispute with my bank and they said that if I were successful in doing so, venmo would freeze my account and then come after me to collect the {$300.00} debt that I will then owe them! 

This is a very anti-consumer policy for venmo to have, especially during a pandemic. Venmo takes money that a customer mistakenly transferred and refuses to return it because another customer owes venmo money? My hard earned dollars shouldn't be used to help a corporation collect a debt.
Product: Mortgage

It was around 2013, I fell into financial hardship ; mainly divorce. I was trying to reconcile with Wells Fargo and in fact got current on my mortgage by applying a {$22000.00} + XXXX dollars towards it and did get a notification of becoming current ; however, within a couple of months, I began to falter on my loan and within weeks after that, began to receive notices of default and foreclosure on my property. I was forced to sell short losing over {$500000.00} invested into this property. I was given a {$5000.00} dollar buyout option with possible more to come after the purchase ; it did not happen. I had lost my {$920000.00} home after having paid into it over {$500000.00} including the down payment of {$220000.00} of my hard earned money. The short selling price was {$460000.00} ; a basement bargain. I felt like a failure. Wells Fargo Bank did not even try to help me stay in my home, they said they had sold my loan to investors and could not do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a careful review of my credit report I noticed a few inquiries on my report inwhich did not derive from my doing nor did I authorize anyone else to exploit my name, credit or any other personal information that would lead to an inquiry on my credit report. This could be an mistake on the credit bureaus part and/ or in conjunction with the theft of my identity awhile back. Hopefully the credit bureaus will remove the following inquiries from my file immediately and promptly. The inquires are 1 ] XXXX XXXX XXXX 2 ] XXXX XXXX   XXXX 3 ] XXXX XXXX 4 ] XXXX  XXXX 5 ] XXXX XXXX XXXX 6 ] XXXX XXXX XXXX XXXX 7 ]  XXXX  XXXX XXXX 8 ] XXXX XXXX XXXX 9 ] XXXX  XXXX XXXX
Product: Mortgage

I currently have my mortgage with Freedom Mortgage. I requested to be put on forbearance due to Covid-19. Beginning on XX/XX/2020, I began requesting to be taken out of forbearance. I have called countless times, made payments and have brought my account current and they still have not removed me from forbearance. After multiple requests I was told they purposely kept me in forbearance to protect me. At this point I am still in forbearance and continuously being told that they will take me out but nothing is happening. This is absolutely unacceptable.
Product: Student loan

In XX/XX/XXXX, I was notified that the in-school deferment of both of my loans serviced by Navient would expire at different points in XXXX. I knew that this information was incorrect according to previously agreed upon terms of those loans, I was eligible for 48 months of in school deferment. In school deferment for both loans were first applied in XX/XX/XXXX and therefore should not expire until XX/XX/XXXX, without even considering a grace period. 

From XXXX to mid XXXX, I have contacted Navient in every means possible to try to update and correct this information. They have failed to do so. But over the course of several months, they have offered a variety of different reasons why they are unable to look further in this matter. Several times, I have been told that the reason for upcoming expiration is because in school deferment had been used under a previous loan provider. This is not true. So I have asked for evidence of their claim. They are not able to provide any. 

At one point, I requested the documents to them by the previous loan provider. They did send this to me. It is clear based on those documents that they have access to, that there was never in school deferement applied to the loans prior to the date that Navient started servicing the loans. They also, likely have access to the original promissory document that stated that I agreed and started paying back the loans immediately when they were disbursed the only other time that I was in school from XXXX to XXXX. 

For some reason, Navient is under the impression that when I was originally in school prior to XXXX, I had in school deferment applied to my account. I did not. Perhaps this is an human error that has happened somewhere over the years but since this has been pointed out nearly 90 days ago, Navient has been unwilling to rectify this issue. 

The documents that I attached are a portion of the batch of of files that Navient sent me. They are the previos lender account history. The months attached reflect the only other time that I was in school XXXX to XXXX and it is clear in these documents that I has being billed and paying my student loans. In school deferment was not applied to my account then.
Product: Credit card or prepaid card

I received a credit on my netspend account from a store I was in. I did a return although the original purchase was half cash Nd half my debit card, the store had no cash so they processed the full amount to my Netspend card. I been threw away the receipt because I didnt need it and Ive contacted the store asking if I could receive another copy but I was told they dont keep copies and cant look up any copies. Ive told my bank that but theyre still not releasing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been using security freezes on my personal financials and those of my wife for 10 years, since first enabled by law. On several occasions I have needed to temporarily unfreeze all three major credits agency locks, and I have documented those steps to make the process as painless as possible. Typically, a PIN number is assigned to prove my identity, and it has shown to be effective. 

Yesterday and today ( XXXX & XX/XX/2020 ) I unfroze the XXXX and XXXX  accounts for my wife and I with no trouble at all ... as expected. Equifax, however, is another totally different situation. 

I assume that because of the failure by Equifax to protect our financial data when they were hacked, they have suspended the use of the original methodology and eliminated the use of the PIN to enable freeze/unfreeze. They now require the customer to create an on-line account. While I understand the requirement, the burden should be on them to make this as painless as possible - they should not burden me with a poorly-executed and delivered " account ''. 

My experience with setting up an " account '' with Equifax for both myself and my wife required hours of work and left us still without active " accounts ''. An agent told me on XXXX that there was a " system update '' underway, which is why, although my account creation process seemed to finish successfully, the system would not let me sign on with the credentials I provided. Prior to calling their land-line help number, I tried the process twice, with the same result : the process finished and presented me with a " sign-in '' box, which took me to a log-in screen and then on to a splash page saying my credential were bad, and if I tried three times I would be locked out. 

Today, my wife tried to create her Equifax " account '', and received the same failure. Her phone call to the help desk, which led to an hour of aggravating questions about 10-year old accounts, bank and payment amounts. The agent demanded account balances for her credit cards : they are in fact always paid in full each month! The effort finally yielded an " account ''. BUT! The account still needed to be " approved '', and she should be on the lookout for an email approving her new account and credentials. Meanwhile, her Equifax credit report is frozen and we can't proceed with the mortgage loan process we have started. 

When will Equifax get their system working? I looked on the Internet for similar experiences and found an extensive catalogue of complaints about the usability of the Equifax on-line " account '' functionality and availability going back for months. 

If Equifax can not maintain their service to the public, they should be banned from doing business. As it is, credit agencies typically demand reports form all 3 agencies. That is not competition ; it allows a slacker like Equifax to continue in existence while the other agencies might be asking " why bother '' with good service?
Product: Debt collection

I have a case where I was sued in XXXX and the original creditor debt collecting attorney won. They won XXXX and XXXX but in turn I sued there attorney and won XXXX for him violating the fdcpa. The original attorney never came to collect the balance.It was from XXXX. Now central credit added fees to it and the original creditor was only aloud interest and attorney fee. I disputed there attorney fees. Central credit added items past the statue of limitations on there and they collected it from settlement oy home.Theycollected items not included in the lawsuit that was past the statue of limitations, the attorney for the original creditor was sued due to the items that was there. Now central credit added those items back to it that was past the statue back in XXXX and now added over XXXX in collection fees that was not part of the lawsuit and I refuse to pay there attorney due to the contract was broken when he violated the law. And I was wondering if you may be able to help with this. I also from XXXXnever delt with central credit, never got any letters for them to add fees is unjust. I requested the original creditor to send me information that they are collecting an they refused. Also they were awarded from the second quarter of XXXX And central credit was paid that and added items that was in violation from the attorney to it. They collected more then the contract from the lawsuit illegally, refused me of my rights, items past the statue of limitations that was sued over by the fight debt collector attorney and added there own fees that was never in the court document. Never sent me anything after XXXX. The original attorney was uSed and never contacted me again after he was sued. I have that proff and proof they was XXXX and XXXX only. And I will not cover there attorney fee due to the violation. central credit statement shows items not to be on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS NOT MINE THE ORIGIONAL SCCOUNT OWNER FILED BANKRUPTCY AND MAKING PAYMENTS ON ACCOUNT XXXX IS SHOWING WRITTEN OFF CHARGE OFF WHICH IMPOSIBLE BECAUSE PAYMENTS SRE STILL BEING MADE THEY CAN NOT SHOW DEROGATORY INFORMATION IF THE ORIGIONAL DEBTOR IS MAKING PAYMENTS HENCE NOT SHOW AS WRITTEN OF SINCE XX/XX/2017 THIS IS RETALITORY SO THE CREDITOR MUST REMOVE ACCOUNT OR UPDATE SS CURRENT IVE FILED 609 ( 1 ) A ( 1 ) WHICH EXPERIAN HAS IGNORED
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company One Main Financial is stating that I owe them money for a loan I have never received, however trying to contact them they are stating that this loan belongs to me. I will like them removed asap
Product: Money transfers

I used Google Wallet to pay my roommate rent. It was linked to an account I had recently closed and I did n't realize this until a few days later. I removed the closed account and added my new one and repaid my roommate from that account. Without my consent, Google paid out the original payment and drew my Google Wallet balance negative instead of rejecting the unfunded payment. I never gave them permission to do that and that payment should have just been rejected.
Product: Mortgage

We have attempted several times to get information on the following issues : 1. Payoff on the property 2. Cancellation of Escrow 3. Who is the lender or lienholder 4. Remove Second mortgage We had an attorney to do reserch on the second mortgage and it was found that there is not one. Nor is there any paper work to support this. We have been trying to get this matter corrected for over 10 years and still not one will explain how this happened. We want a payoff on the property but for whatever reason we are unable to get it we have reach out by phone and email and we continue to get messages stating that they are working on it. We ask for a cancellation of Escrow we filled out the neccessary forms and submitted them but their reply was we are unable to cancel the Escow because of the second mortgage. We do not have a second mortgage on the property. We also have reserched and found out that the property is in a Trust and we are trying to contact them by email with no response. The Servicer Rushmore did not give us any information about the lien holder we had this researched that is how we found out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by a credit help company who turned out to be Lexington Law.  I was promised that my credit items would be removed and corrected and they said they would charge me {$14.00} to get started. I was billed a total of {$700.00} over the past 5 months and have not been able to reach Lexington Law to cancel my services despite trying every week. I was able to reach them one time on XX/XX/XXXX and canceled my services, and was told I wouldnt be billed anymore. I was billed twice on XX/XX/XXXX. Lexington Law lied about what they would be doing for me and promised by signing up for their top package my credit would be repaired, but they havent done anything at all. I have since learned that credit repair companies are a scam and they promise a lot of things that they can not deliver. I want all of my services canceled fully, want my fees refunded, and want them to completely stop messing with my credit - I keep getting letters from creditors saying that I am stating accounts are fraudulent when I never said that they were - I feel like they are doing a lot of not above board things. The fees charged are below : XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$19.00} Late Fee ( why? ) XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} Late Fee ( why? ) XX/XX/XXXX {$6.00} XX/XX/XXXX {$6.00} XX/XX/XXXX {$120.00}