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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As you can see from the attached documents, this account has been paid and as requested and state by the company should be deleted from my credit report on all 3 reporting agencies. As you can also see, it has not been deleted and additionally will be reporting until XX/XX/2028! This is exorbitant and malicious abuse that will continue to hurt my credit and my ability to achieve my inalienable rights. Why the additional punish of 4 years? Plus, I recently came back to XXXX as a customer! They were most unhelpful. Please have them remove this negative reporting. 
Regards, XXXX XXXX XXXX XXXX
Product: Credit card

I had VENTURE ONE Capital One credit card, which was closed due to the late payments in XXXX. I paid the balance and late payment fee. 

However, Capital One confiscated my XXXX Rewards XXXX in that credit card, which is my property. Capital One has no right on my property. 

I require Capital One to return my property, XXXX Rewards XXXX.
Product: Debt collection

XXXX XXXX in XXXX TN is charging me membership fees that I do n't owe. In XX/XX/XXXX I opened a two memberships at {$20.00} bi-weekly each on a one year contract. In XX/XX/XXXX I went in to tell them I did n't want to renew in XX/XX/XXXX, the attendant noted it to my account in the computer. On XX/XX/XXXX I called to make sure that my membership was terminated on time and I was told that it was. But, instead they charged me a maintenance fee of {$39.00} for the next full year and continued to charge me for membership fees of {$40.00} a month. I told the person on the phone that I had asked for my membership to be canceled, not to go month to month. I did n't want to renew because I did n't like the gym. I was told to bring in a letter to cancel even though I did n't have a contract. I took the letter in the next day and they refused to take it. They said I had to give them a 30 day notice in writing, in which I had in my hand that day. They said I had to pay for the next months fees for the 30 days, even without a contract renewal. I argued with them that all I wanted them to do was stop billing me for usage, because I was n't coming to the gym anymore. I cancel on time at the end of my contract. I had paid all my membership fees during my contract, but they refused to accept my membership expiration date. I then went to my bank and ask them to block the automatic debit card payments on my account. I submitted a claim with my bank, told them what happened and they investigated and refunded me the payment transactions that XXXX XXXX had made past my expiration date of my contract. <P/>XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has place a collection account on my credit report for {$240.00}. I do not owe XXXX XXXX any money. They have been paid in full as of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the validity of a debt that your agency has been attempting to collect from me. I recently received correspondence from your agency regarding an alleged debt in the amount of {$1300.00} owed to XXXX XXXX XXXX. However, I would like to bring to your attention that this debt is not mine and I believe it has been erroneously assigned to me. 

Upon careful examination of the United States Code, specifically the Fair Debt Collection Practices Act ( FDCPA ), I have identified several sections that empower me to dispute this debt and seek its verification : Section 809 ( b ) of the FDCPA states that, within five days of initial contact, the debt collector must provide written validation of the debt, including the amount owed and the name of the original creditor. I have not received any such validation from your agency, and I request that you provide me with the necessary documentation to prove the existence and accuracy of this debt. 
Section 809 ( a ) ( 4 ) of the FDCPA mandates that, upon the consumer 's written request, the debt collector must provide the consumer with the name and address of the original creditor. Therefore, I kindly request that you disclose the complete contact information of the original creditor associated with this debt. 
Section 809 ( b ) ( 5 ) of the FDCPA requires the debt collector to cease collection activities until it has provided the consumer with the requested verification of the debt. Therefore, I demand that you immediately cease all collection efforts regarding this disputed debt until you have satisfactorily provided the necessary validation and supporting documentation. 

I would like to emphasize that I have been diligent in maintaining my financial records, and I have no knowledge or recollection of any outstanding debt owed to XXXX XXXX XXXX. It is crucial that you investigate the matter thoroughly and correct this mistake promptly. 

Failure to comply with the FDCPA 's provisions outlined above may result in legal action, including a formal complaint lodged with the Federal Trade Commission and a civil lawsuit seeking damages for violations of the FDCPA. I trust that your agency will handle this matter with the utmost professionalism and adhere to the legal requirements governing debt collection practices.
Product: Student loan

I consolidated my student loans in order to benefit from the PSLF program, which I did hesitantly because my interest rates went up significantly upon doing so. I was told I didn't have to opt into an income driven loan repayment program in order to qualify for PSLF. An income driven plan would double my monthly payment cost and is not an option. When I logged into my account recently, I noticed the dashboard showing that I had only made 20 qualifying payments, I have been working for non-profit health systems for 55 months making payments. My dashboard was now showing that I was " not in an eligible program to qualify for PSLF '' and urging me to opt into income driven repayment. Had I known what an absolute scam this program is, I would have never consolidated my loans in the first place. There is no financial benefit that I will derive through opting into this program, it is simply making me pay a 20 year loan in 10 years through doubling my monthly payment and added to my financial burden and total loan cost by increasing my interest rates. I would never have signed up had I been given accurate information from the representatives I spoke with initially.
Product: Credit reporting or other personal consumer reports

un-authorized inquiries 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 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  They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
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: Mortgage

On XX/XX/XXXX. I called Bank of America to transfer money from my saving account to my mortgage. I was given a confirmation number afterwards, I had enough money in my saving account to make my mortgage payment. I was told by several Bank of America Supervisors that I had taken the proper steps, my payment was intentionally posted on XX/XX/XXXX, which they intentionally tried to make late on my mortgage for XX/XX/XXXX and XXXX XXXX, I had never been late or missed a payment. I had requested for it to be paid on XX/XX/XXXX. My mortgage payment was reverse to Bank of America bank account. Please refund {$770.00} towards my XX/XX/XXXX mortgage payment so that it can be paid in full. My instructions were n't followed as a valuable customer. I am requesting that you investigate my mortgage payment to see where it went and pay for my arbitration. I no longer want to be a customer of Bank of America. They are horrible. From a scale to 1-10. I give them a zero. Their customer service is extremely horrible. Bank of America had not attended to resolve any issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my free annual credit report from all three bureaus XX/XX/2018, received my XXXX and XXXX  reports but have yet to get my Equifax credit report. The FCRA states that a consumer is to receive their requested credit file no later than 15 days. I dont care if Equifax is having high volumes of equests because that is not my problem, its Equifax responsibility to provide me with a free copy of my credit file within 15 days of requesting it. They are breaking the law and in violation of FCRA, they are potentially ruining my credit by not providing me with my credit report because I have no knowledge of what is on my credit report with Equifax.
Product: Debt collection

Hi my name is XXXX XXXX and im submitting this complaint myself. There is no third party involved. I entered a consumer credit transaction with this Navy Federal and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale.

Navy Federal have been calling multiple times at various hours and even on the weekends as well as texting and emails when im at work and inappropriate times, I have proof of the calls logs from the number XXXX. This is harassment. 

Ive sent a debt validation and affidavit to the CFO and it would also be uploaded here. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

Navy Federal have been violating my rights per the FDCPA and their policies state that they put the consumer 1st. 

I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. 

They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt.

This dispute is specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA
), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

ACCOUNT # : XXXX, XXXX
Product: Vehicle loan or lease

This is a predatory loan with Santand er Consumer USA, I want to pay it off and they do not take any interest off 72 month loan I have made 32 pa yments. The car dealer  XXXX   XXXX   XXXX  got me this loan, they bullied me into taking an extended warranty for  XXXX  and if I did n't take it the bank would not give me the loan. Call the bank got double talk, went to the dealer they admitted something was incorre ct 1 week still waiting for a call back left 3 messages. I need help.
Product: Checking or savings account

Wells Fargo bank access my account and withdraw funds without my knowledge or consent. Ive attempted to speak with several representatives from their company with no success, all that happens is Im transferred from agent and calls being disconnected. I also spoke with third Office if the president and the handling was poorly done. I am requesting relief and resolution regarding this matter. I spoke with XXXX and respected a call back and was denied.
Product: Vehicle loan or lease

I did a short sale with my finance company and paid off the loan, And my extended warranty and gap payments were sent to the finance company and now they dont want to return my money to me, I need help to get my refund back
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information on my credit report and it has had adverse affect on my credit score. I reviewed my latest credit report from all three bureaus and asked all three bureaus to ensure all information was accurate and completed according to the fair reporting act. 15 U.S. Code 6802 states Obligations with respect to disclosures of personal information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given any information regarding this nondisclosure option therefore this is a direct violation of this law and my consumer rights.
Product: Vehicle loan or lease

I fell on hardships XX/XX/XXXX so i was unable to pay my regular monthly payments. I was told that if i get on a payment plan, they will not report late payments to the credit bureaus. I got on the payment plan and i have not missed a payment since i been on the plan. I've been paying biweekly. But when i checked my credit report, I see that they have been reporting late payments to the credit bureaus since XX/XX/XXXX till XX/XX/XXXX.
Product: Credit reporting

This file was cleared in a bankruptcy and it is still showing as a judgment with an open balance
Product: Payday loan, title loan, or personal loan

My wife,  XXXX   XXXX  and I were married on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX  we became legally separated. During the period of our marriage we obtained a joint loan with  XXXX   XXXX   XXXX . ( At the time they were known as  XXXX   XXXX  )  XXXX   XXXX / XXXX / XXXX  a  Consent Judgement Entry  was filed dividing assets and debts between each of us. The agreement was for our assets to be divided equally and any joint accounts to be mitigated to the other account holder as sole ownership. All was completed except for  XXXX   XXXX  's role on this account with  XXXX   XXXX . Once I attempted to pay the account off, her signature was found to be required, because  XXXX  never signed the account over to me in sole ownership. A motion to show cause was filed, and  XXXX  was found in contempt of court, and is now the sole owner of the  XXXX   XXXX  Account.  XXXX   XXXX  continues to contact me, and threaten me by phone, mail and email to secure my belongings, garnish my wages, and imprison me. They are also reporting negatively on my credit report. Since I owe no balance, this must be removed immediately. I recently was denied a loan through  XXXX   XXXX  as a result of this negative information and high balance being listed on my report, and my APR went from 10.9 % to 18 %. This is due solely to this mistake. Since this is happening, I am seeking a settlement for damages from   XXXX   XXXX    Financial which they can bill to  XXXX   XXXX  's attorney  XXXX   XXXX , who has agreed to pay this law-suit of {$25000.00} in full to avoid being dis-barred for credit fraud, and imprisonment for violating my rights under the fair debt collection practices act, and fair debt reporting act.
Product: Vehicle loan or lease

Hello, my name is XXXX XXXX, and my address is XXXXXXXX XXXX. XXXX XXXX XXXX, Az. XXXX. I entered into a 20 year loan agreement for a new travel trailer in the spring of XXXX. My payments have always been on auto pay through my bank and have never been missed. Initially I wasn't getting a monthly statement from the finance company, Aqua Finance XXXX XXXX XXXX. I contacted them after about 5 or 6 months, and they some kind of excuse then started sending them. Then they stopped sending my statements once again, so I contacted them again and they started sending them again. Now they have stopped sending my statements once again, so I contacted them today, The woman on the phone told me that because I am on auto pay, that I do not get a monthly statement. This is just plain wrong, because everybody should get a monthly statement for their loan, and this should be the law. I am hoping that it is the law. I want this this lame finance company to do the right thing, and provide me a monthly statement for my loan each and every month like they should. I think it is the absolute least that they can do for the money they are making from my loan. 
My loan account # is XXXX and their phone number is XXXX. 
I would appreciate it if you guys can force this company to do the right thing, and adhere to normal loan servicing procedures. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX my account was never 30 days late. account was only approved for deferal. 
please remove these 30 day late for each month noted. 
i am entitled by FCRA to request this be corrected and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Gentlemen, My name is XXXX XXXX. I settled my account ( Discover Credit Card ) with a Debt Collector. Discover chooses not to report the proper information to the Credit Bureaus. I have noticed they are basically doing this and hurting the consumer. They basically are saying on the credit report it was basically charged off Debt and it shows that and when companies run credit this shows as a charge off so they are assuming the balance was not paid? I went back and fourth with Discover and got nowhere!! They basically didnt care!!! They basically are labeling me because my account was in collections!! I think is wrong they are labeling people who do go thru circumstances and do not basically give credit that a consumer settles the debt.
Product: Credit reporting or other personal consumer reports

I was applying for a car and realized some damages on my credit report. According to the 15 U.S.C 1681 there should not be any damages on my report, it is a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate information on my credit report. I finally got to speak to a representative named XXXX. She was very rude so I asked to speak to a supervisor. XXXX stated there was no supervisor available to address my problem. XXXX also refused to provide her last name or agent ID # so I could report her actions. 

The problem still remains that this is the only credit bureau who repeatedly violates the law and continues to report addresses that are not accurate. As stated previously, I received mail at my sister 's address but it is not my address. My sister is very private and was involved in identity theft before. She does not want her information published. 

I have reviewed my credit report and noticed there are multiple names and wrong addresses listed. All old addresses, names, and phone numbers should be removed. My current name is XXXX XXXX I live with a relative at XXXX XXXX This is not my own address and should not be on my credit report. My current phone number is XXXX In accordance with the Fair Credit Reporting Act 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 an account without my written consent. I have not provided consent to publish my private personal information. All old addresses, names and phone numbers should be deleted accordingly.

I will proceed with filing additional complaints and taking legal action if this is not immediately corrected.
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 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 XXXXXX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't opened up any XXXX account in XX/XX/2021 this is fraud on my credit report. It shows that I owe an odd number of {$800.00} for the XXXX XXXX account which is incorrect. It has been deleted several times but always seems to come back. I have contacted the company Jefferson Capital System and they stated that the dates were changed for whatever reason. This is a living HORROR with this company. I need this deleted immediately. They have been reporting this misleading information for at least 10 years or more now through different companies. Please update this information for XXXX as well. Thanks for your prompt attention to this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that I have a {$13000.00} student loan through XXXX XXXX XXXX that do not belong to me. I have file disputes with Trans Union and XXXX through XXXX XXXX and both agencies responses claim it belongs to me. I have never filed for a student loan in the past and now that I intend to start school and may need a loan, this false loan with XXXX XXXX XXXX is hindering my advancement.