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

Good evening, I have dispute LvnvFundG for over 6 months. Repeatedly Ive asked for proof on how they have verified with the original creditor the account was mine and the proper steps they have taken to ensure they are reporting 100 % accurate information. Month after month they are certifying to the bureaus that the account information they are reporting is accurate. When in fact there are multiple errors reported for this account. Examples of what is being reported inaccurate. 
Date Account opened. 
Account status being opened. 
Past due amount. 
This information is different from the original loan agreement. I have demanded they provide me with the original document of this account as reporting inaccurate information is stopping me from obtaining credit. XXXX and XXXX were both unable to provide accurate information so they have removed this account. I question XXXX  how they have been verifying this information is accurate on my report and get no valid response.
Product: Credit reporting or other personal consumer reports

[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> ] Equifax Information Services XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Compensation and Resolution through Arbitration To Whom It May Concern, I am writing to formally demand compensation and resolution regarding the malicious negligence and failure to report accurate information associated with my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my numerous disputes, Equifax has repeatedly failed to update or remove inaccurate and erroneous statements and information that adversely affect my credit report. 

I have engaged in numerous efforts to resolve this issue, including but not limited to the following : - Submitting disputes through your online platform and via certified mail. 
- Providing secure form submissions and substantial personal documentation which includes a lease agreement, W-2 forms, pay stubs, and my birth certificate. 

In addition to this, your continued abuse of identity verification requests in response to properly submitted complaints to the Consumer Financial Protection Bureau ( CFPB ), Better Business Bureau ( BBB ), and the Federal Trade Commission ( FTC ) exhibits a pattern of malicious conduct. This has seriously impacted my credibility and has so distorted my credit file that my credit score and report can not even be found under my given and legal name by lenders, banks, and other reporting agencies. 

This consistent mishandling of my credit file not only demonstrates a lack of due diligence on your part but also indicates a blatant disregard for the consumer protections established by the FCRA. As a result, my creditworthiness has been severely undermined, affecting my ability to secure loans, housing, and employment. 

Per the FCRA, I am entitled to accurate reporting and resolution of disputes regarding my credit information. Your failure to comply with these regulations has caused me significant distress and financial harm. 

Therefore, I am demanding full compensation for the damages I have incurred, including but not limited to : XXXX. Monetary compensation for the impact on my credit standing. 
XXXX. An update to my credit file to reflect accurate information, including the removal of any erroneous data. 
XXXX. A formal acknowledgment of this mistreatment and assurance that measures will be taken to prevent future occurrences. 

I believe that this matter can be resolved through arbitration, as provided for in your customer agreements. Please consider this a formal request for arbitration, and provide me with your dispute resolution procedures. I expect a prompt response within XXXX  days from the date of this letter. Failure to adequately address this issue will leave me no choice but to pursue further legal actions. 

Thank you for your immediate attention to this critical matter. I look forward to a swift resolution. 

Sincerely, [ XXXX XXXX XXXX ] ---
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being filed due to XXXXXXXX XXXX XXXX  XXXX XXXX has fell to correct the inaccurate late payment that being furnished to XXXX, XXXX, and Equifax in regard to this account. I have made multiple attempts in trying to resolve this matter privately. I have shown XXXXXXXX XXXX  XXXX XXXX XXXX the error in the reporting of this late payment, which they have fell to correct, which is a violation under the FCRA. This will be my final attempt in resolving this matter before filing a complaint with the XXXX for arbitration. XXXX XXXX XXXX XXXX XXXX has defamed my character by placing this inaccurate information on my consumer report.
Product: Student loan

I was one of many borrowers getting ready to address the payback period of the post covid student loan relief period. During my conversations with my servicer, Edfinancial Services. 

On XX/XX/XXXX, I submitted a general forbearance request online. On XX/XX/XXXX, I called in to check the status of it, since I was told this could take some time. During the XXXX call, the representative I spoke with educated me about the XXXX transition period. During that conversation, it was discussed that I would be wasting my general forbearance time, when the XXXX transition period is available to me, I could leverage that period until XX/XX/XXXX, and then apply for a general forbearance if need be. It was during that call that I made the request to go ahead and cancel my general forbearance request and leverage instead the XXXX transition period, which I did not need to apply for and would be automatically applied to my account. 

The problem came into play when I come to find out XX/XX/XXXX that my account still went into a general forbearance instead of the XXXX transition period that I discussed and verbally spoke to the prior representative I wanted to take advantage of. I called Edfinancial Services on XX/XX/XXXX to inquire what happened. The representative informed me that I was in fact on a general forbearance and that the request to cancel it was still in process. This request to cancel my general forbearance was made XX/XX/XXXX and to date, still has not been processed, 76 days ago... 

During that timeframe, the forbearance request I had submitted online on XX/XX/XXXX, that was supposed to have been canceled so I could take advantage of the XXXX program, was actually approved without my knowledge on XX/XX/XXXX, a total of 74 days. The impact to me are that : - The program I was supposed to be placed on, the XXXX Transition Period, never occurred per the conversation I had with my student loan servicer, something they confirmed would occur ; - The general forbearance I canceled in order to save that time, per my discussion with a rep from my student loan servicer, was in fact not canceled and still approved 40 days later after my call to cancel the request, and as a result, I am wasting general forbearance time that I should not have had to use due to the actions of my servicer.
Product: Prepaid card

I was given a gift card in the amount of {$100.00} in XX/XX/XXXX. I went online on Monday, XX/XX/XXXX to order pizza from XXXX  XXXX XXXX, in XXXX, XXXX Order received and processed with gift card. This was my first transaction. On Tuesday, XX/XX/XXXX, I went to XXXXXXXX XXXX XXXX XXXXXXXX, VA to purchase dinner and the cashier told me there was only XXXX cents left on the gift card. Therefore, after paying the cashier, I immediately went home to card gift card company. I was informed that a female made several purchases ( online ) using my gift card. And, I wrote the name down, too. The lady told me on the phone that I would have to wait to file a dispute and call back on Thursday of the same week. When I called back to file dispute, I was asked my name, address, gift card number ( of course ), told I would receive dispute papers in 10 days. I was also told that I would have an investigation of 45 days, blah, blah. Well, it is XX/XX/XXXX, I have not received any dispute papers and no credit to this gift card. Somewhere there is {$70.00} plus of mine floating in the clouds, and demand to get it back. I called the gift card company just now and after being put on hold on XXXX minutes, they can not find my gift card or any information. What is that all about? Any assistance you can provide will help.
Product: Student loan

my son was still at tending college and they wanted me to start paying back on the loan. I originally started with   XXXX   XXXX   and  it was sold to Navient. They raised my interest rate and when my son was still attending school they wanted me to start repayment. when I called and they said I could defer they never told me the interest was continuing and the rate was going up.   I feel I was mislead in the agreement of the loan. my interest rate was not 8 % when I w  as with   XXXX   XXXX  .
I feel I was mislead with the terms of thi
s loan as with the interest rate being raised. <P/><P/> s
Product: Credit reporting or other personal consumer reports

Re : XXXX XXXX XXXX XXXX XXXX reports, this account was opened on XX/XX/2018. It shows " charge off '' in the status section. Any debt that has been charged off is now a certificate of indebtedness, which is considered income and should NOT be on my credit report. This is a violation of 15 U.S. Code 1681 ( b ), which is attached.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I submitted applications for a business line of credit on XX/XX/2023, and XX/XX/2023. The applications were denied on XX/XX/2023, and XX/XX/2023. The reason given was serious delinquencies in my credit report. These reason are absolutely false as I have had no delinquencies and wells fargo approved my for a business credit card about 6 months ago. My credit score is good and my business score is good. I have seen in the media that wells fargo was sued for discriminating against XXXX and XXXX XXXX for mortgage and lending practices. I feel discriminated against because there is no other reason for denial of my business line of credit application.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 {$2100.00} **** This is a FCRA law violation. I was never late. 

XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Product: Debt collection

I opened a new account with Truist Bank! They changed their name from BB & T to Truist Bank and I asked them to remove the account that said I owe money to BB & T! I opened a new account and they said they will fix it! Thats how I was able to open a new account with Truist because I deposit my lawsuit funds into the Truist account and they agreed to fix the problem about the BB & T account! Now they are trying to change the date of the BB & T account of {$2000.00} owe to a Truist account of the year of XXXX  Why they are trying to keep this on me, I dont know can you please get this fixed and off of my credit report! Because its stopping me from getting my credit up and from openings up and new account with any bank! So that makes me have to do everything in cash setting! Can I please get some help and put this all behind me and move on to a better life! This is really a problem in my life!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to Equifax over the course of 120 days ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I have copies on file with certified mail receipts for each. In each letter I have asked them to correct direct erroneous information that they are providing on my credit report, I have asked them for physical proof for their " verification '' I have provided them with proof of their errors. They have several errors on my report : Misspellings of my name, wrong previous address, entire payment histories missing from tradelines and they refuse to send me physical proof for negative information that I suspect are not mine. Each month they send me a vague response that often doesn't even match what I have requested and the errors remain on my report with little to no change. They are willfully being non compliant to my FCRA Rights and my rights under the FCRA Section 609 especially. I have also tried to reach out to them by phone. I am often routed to representatives that do not speak English very well and/or can not understand what I am communicating. Equifax seriously needs regulation on how they handle inaccurate information. They are non compliant and they ruin peoples lives by not doing what the law requires. They are bold in their negligence.
Product: Payday loan, title loan, personal loan, or advance loan

Upon researching I became aware that this company obtained a security interest when I signed the loan and started trading my shares without my knowledge or consent reading there XXXX form signed by XXXX XXXX that the company provides dividends to the shareholders and I havent received any of my shares dividends also this company reporting negative on my credit report when the check the company received in XXXX  paid the car off my car title is in my name which shall be returned to me immediately also this company committing XXXX XXXX identity theft and fraud
Product: Vehicle loan or lease

I refinanced my home mortgage at a lower interest rate and to consolidate three loans with three separate lending institutions. My new lending institution XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX IN hereafter called XXXX ) contacted the three lending institutions & obtained final payoff amounts for those loans. Payoff Cashiers Checks were sent to these institutions on XX/XX/XXXX. Two of the institutions accepted the checks and closed the loans. Ford Credit refused the check as " not signed correctly '' and returned the check to a faulty address. I received a " courtesy letter '' telling me of the event. It took 3 days for XXXX XXXX XXXX  to recover the missing check by working with USPS. Meanwhile, I received daily text messages & e-mails from Ford Credit about my overdue account, turning me over to the credit bureau, and applying late-payment interest penalties. I spent hours on the phone on numerous occasions talking to Ford Credit minions who promised to research the problem and call me back. As of today, XX/XX/2021, I have received no such replies. 
I have continued on a daily basis with ONB to resolve this issue and they are as frustrated as am I. I have volumes of exchanged information between XXXX, Ford Credit, & myself. On XX/XX/2021, after communicating with Ford Credit, XXXX sent TWO checks to Ford Credit via certified mail. One was for accrued late-payment interest of {$42.00} & the other check was for the amount of the original loan payoff quoted on XX/XX/XXXX. Ford Credit signed & received the checks on XX/XX/2021. ONB records indicate that Ford Credit deposited the {$42.00} check but have not yet handled the payoff check as of XX/XX/2021.
Product: Mortgage

I'm contacting you in regards to my mortgage company. My mortgage company put forced home insurance on my account which I never approved or authorized or signed for. They are trying to bill me for about 3 months for having a lapse in coverage and they tell me that it will only cover if my four walls fall down, which I've never heard of a insurance company not covering more. The amount that they are charging is almost how much I pay for home insurance in one year. They sent me a bill on XX/XX/2019 for {$1000.00}. I contacted them and told them that that was way more then it should be. They said that they couldn't credit or waive any amount and wouldn't work with me or speak with me anymore about working with my account. I then sent in my XX/XX/2019 payment for {$1000.00} and they never applied my payment to my account. I contacted them and asked them why and they said that I hadn't paid the amount that they had billed extra for the home insurance and since they didn't get the whole amount that they wouldn't be able to apply the {$1000.00} to my XX/XX/2019 payment. Now it's XX/XX/2019 and I contacted them again and they said since they hadn't received the whole amount that they are charging for the XX/XX/2019 bill that they are going to report it to the credit bureau as late. They are basically holding my payment as ransom and refuse to apply my payment to my XX/XX/2019 bill. Not only that, but when I send in my XX/XX/2019 payment for this month of {$1000.00}, they will apply whatever they want to the XX/XX/2019 bill and they deduct that amount from the XX/XX/2019 payment, then my whole XX/XX/2019 payment will not be applied and then they will wind up marking that as late also and holding that payment ransom also, even though the bill will be on time. Then I will keep being late on my account, having it reported to my credit, and them taking whatever they want out of my money to supposedly apply it to the home insurance, but I really believe that they are scamming me out of my money and want to have them investigated and reported and for this to be taken off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION XXXX. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for inaccuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX My addresses XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a collection notice on my credit report that I have no knowledge of. I tried calling them and they will not speak to me without paying them money so I can not get anymore information like who the company actually is. I spent a few hours this morning trying to find out who it was but no luck. I spoke with a Rep from XXXX XXXX to dispute it but they want me to dispute it through the FTC. Since they can not provide me any information on the account and I do not have any knowledge of the account, I need to dispute it as fraud. It must belong to someone else.
Product: Payday loan, title loan, or personal loan

We took out a loan for close to {$2000.00}. After making the first 3 payments totaling around {$400.00} as scheduled ( they were auto deducted ), the principal balance was higher than the original balance. I explained to them that this could not be the case and showed them all payments cleared on time as scheduled. Refused to make any more payments till the issue was fixed. If i kept making the planned payments, the balance would have continued to rise. 
Now I'm getting several threatening phone calls a day from a company called XXXX and XXXX claiming a legal matter. I returned their call and requested they do not have my consent to continue calling and any further communication should be in letter form. They continue to call, which I do believe is illegal.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an email informing me that a Venmo account had been created for that email address. Moments later, a second email indicated that a credit card had been added to that account, and shortly thereafter, that {$250.00} plus a fee had been charged. 

I immediately contacted XXXX, my credit card issuer to dispute the charge and close that account. XXXX is absolutely responsive, no issue with them. 

Since XX/XX/XXXX, I have been trying to contact Venmo, via email and their XXXX XXXX account, requesting that they close an account that I did not create. 

Because I can not provide the phone number used to create the account -- it was not my number -- I can not access the account. This is a flaw in the Venmo system, and evidently one they don't care about. 

I want Venmo to close the account. That is all. Ideally, the Bureau might investigate them as well, as they seem to have a reputation for ignoring hacking and fraud.
Product: Money transfer, virtual currency, or money service

paypal steal my money, They took the money out of my balance without authorization and notice because I had violated Acceptable Use Policy violation.It 's ridiculous.For this reason they have frozen my funds for 180 days.During this period, the money was not refunded due to buyer 's refund, This is enough to prove that there is no risk when trading.But they still took my money.What right do they have to take my money? PayPal is just a method of payment, They stole my money for some invented reason without any damage to the interests of the buyers and sellers. They are robbing me
Product: Checking or savings account

I am filing a complaint with the CFPB Regarding capital ones failure to deposit my direct deposit from my employer capital one has tight technical issues which may violate the electronics for transfer act as it requires timely access to funds this situation raises concerns about consumer protection laws. And I request your assistance and to investigating this matter to ensure my rights are up, XXXX thank you
Product: Credit card or prepaid card

I had a promo finance offer with Comenity Bank / XXXX XXXX, the promo finance expired on XX/XX/XXXX, the remaining amount due on this promo offer was {$620.00}. On XX/XX/XXXX, one day BEFORE the promo expiration I made a payment of {$620.00} which more than covered the promo remaining balance due. However, the bank still charged me the accrued interest a day later on XX/XX/XXXX of ( {$720.00} ) and another small interest fee of ( {$23.00} ) on XX/XX/XXXX. I should have never been charged these amounts. I have called / emailed through their support platform with no success. I am very disappointed with the lack of service I have received on such a clear cut issue and feel I can no longer trust this bank.
Product: Debt collection

According to FCRA section 605B, it is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report immediately.