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

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, TransUnion, & Equifax didn't make sure it was reporting 100 % correct.

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, TransUnion, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning accounts currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in Englehardt v. Gravens ( Mo ) 281 SW 715, 719, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists.

To date, the bureau has neither removed the disputed items from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. Please delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 leases with XXXX XXXX. I have had excellent payment history on both accounts, until the national lockdown in XX/XX/2020. The world suffered from this pandemic and during this time everything non-essential was closed. We contacted XXXX immediately requesting a deferment which was granted. We continued timely payments even though our NJXX/XX/XXXX is only at 25 % capacity ( which equals 17 seats ). I believe that reporting a late payment, while the world was shut down and experiencing uncertainty to the future, is completely unfair. 
As we continued with perfect payments, we are trying to purchase a home since our lease is expired and our landlord wants us out so she can sell her rental. Unfortunately, this negative reporting on 2 accounts lowers my score unfairly. This derogatory reporting will affect our ability to secure a good mortgage or a fair interest rate. 
Please help a XX/XX/XXXX survive these uncertain times and help us enjoy our hard work & perseverance as a survivor and not a victim. Thank you!
Product: Consumer Loan

I notified, through email, NetCredit that I was a XXXX, received XXXX, and that I requested relief under the SCRA from the date of notification. There was no follow up, so I called after they debited my account almost a month later with no adjustment. On the phone, XXXX XXXX, the agent refused to reduce the rate until my report date, I told them to refer to USC 50 section 516, and was told there would be follow up within 24-48 hours, and it 's now XX/XX/XXXX with no follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX 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 a account without my written instructions 15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Checking or savings account

In XX/XX/2023 I was granted a remission payment and received a check of {$23000.00} from the United States Postal Inspection Administration office for documented pecuniary losses in connection with United States v. Moneygram International Inc. ( Reimbursement Claim # XXXX ). 

On XX/XX/XXXX I deposited the Remission check in good faith into my checking account at my local Branch at TDbank in XXXX, Delaware ( phone ( XXXX ) XXXX XXXX. 

One week later I received a call from Security at TDbank questioning the validity of the check and was told my account is frozen, claiming the check is under suspicion for Fraud.

The check has now been held by TD for almost 4 weeks. I personally visited the Branch with supporting documents explaining the check is valid but with no avail. 

The XXXX Remission Administrator responsible for the distribution of checks is XXXXXXXX XXXX XXXX  XXXX California and can be reached at ( XXXX ) XXXX XXXX my personal email XXXX phone ( XXXX ) XXXX Looking forward to your reply. Thank You
Product: Debt collection

Please refer to my original CFPB Case # XXXX, the calls have continued as of XXXX/XXXX/2015. I have had XXXX calls since this date. I have continued to make payments on time without fault, based on the arranged payoff agreement. All payments have been on time each month. Stop calling!!
Product: Credit card

The issue is overcharge and unreasonable. 
1. I purchased air ticket online which is {$990.00}. But charged {$1100.00}. I contacted America Express many times, and not to solve. Overcharged {$200.00}. I booked hotel, and I cancelled already. I informed America Express to stop payment also. They charged me still. I contacted America Express many times, and not to solve. Unreasonable charged $ XXXX {$49.00}. ( {$49.00} is for foreign transaction fee ).
Product: Credit reporting or other personal consumer reports

You VIOLATED U.S.C 15 U.S.Code 1681a ( 2 ) ( a ) ( i ) -Congressional Findings.There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and a respect for the consumers right to privacy. 

I have informed EXPERIAN with proper paperwork confirming the account with XXXX XXXX has been paid as agreed, but still appears on report as negative charge off. 

Under penalty of perjury, I swear this account is false and misleading Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
You Violated The United States Code Law 15 U.S. Code 1666b. Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Under 15 U.S. Code 1605 ( a ) if a finance Charge was included which is the sum of all payments There should be no late payments on this account Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 16813 ( b ) and 15 U.S. Code 1681u ( 5 ) this account in violation not reporting 100 % accurate. 

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

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$6700.00} XXXX XXXXXXXX Balance : {$4500.00} XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Student loan

Navient has harassed me with 3 or more calls per day for months on end. I spoke with them and they did not have a repayment plan that I could afford. The minimum payment each month would not cover the interest that accrues each month. 

So I have begged them to give me some guidance on what to do. They have not helped me understand how my loans work and have refused to look up my past forbearance 's in order to give me a breakdown of how interest accrues on my account. I have gone on forbearance multiple times since graduating college. When I first went on forbearance I was told I was going on deferment, but they put me on forbearance. 

Every time they put me on forbearance it happens over the phone in a quick conversation without explaining how any of it works. 

The second or third time I went on forbearance I received a letter saying {$1700.00} had been added to the principle in interest - In one day, just because I agreed to forbearance. 

I have requested an explanation of how my interest has accrued over the past few years, because it is not easy to understand and is not transparent. I paid about {$8000.00} off my first two years out of college, but I think they applied all those payments to the interest free loans that I had so they could keep charging interest on the other ones. 

Last time I spoke with a Navient Representative he refused to look up any information regarding my past payments and interest accruements on my loans. He told me he would mail me a " Huge Document that explains everything '' but they never did. 

They harass their borrowers with 3-6 calls per day, every day, until they convince you to go on forbearance with no explanation of what that means.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to the XXXXXXXX XXXX XXXX XXXXXXXX account listed on my consumer report. Ive allowed XXXX, XXXX and Experian a total of 2 years and counting. The chance to thoroughly investigate and report accurate information on my consumer reports. To this day, these agencies can not seems to accurately report. As Ive stated before, Ive been disputing the many inaccuracies on my reports. Keep in mind, I have all results of the many disputes. Each dispute states that each agency has verified the account with the data furnisher. I want to know, are these agencies using the same data furnisher? Im asking as the information that has been verified by each agency is completely different from the other? Ive even asked for the agencies to provide me with proof of the information that was verified by the data furnisher. Neither agency will provide, Im not understanding why these agencies can not provide me with this information. There is no way that these agencies can continue to report inaccurate information and refuse to show proof of where they are receiving this information. Ive tried just about everything possible for these agencies to report the information accurately or delete the account because of the inaccuracies. These agencies are continuously violating my consumer rights per the FCRA. I will be consulting an Attorney regarding the negligence of these agencies as they continue to report inaccurate information. Im asking that the CFPB take this matter seriously, please do not close this complaint as done previously with the companies stating that they will thoroughly investigate my concerns. Each time this has been done, no thorough investigations have truly been done.
Product: Credit reporting

On XX/XX/2015 I visited XXXX XXXX Used Car Dealers at XXXX XXXX XXXX, XXXX, XXXX XXXX with a pre-approved {$20000.00} check in hand to purchase a XXXX used Nissan Altima. The sales person ( XXXX ) asked if I wanted to cancel the {$20000.00} pre-approved check from my credit source and apply for a new {$20000.00} loan through XXXX XXXX for perhaps a better interest rate, My answer was no, " I do not ''. This queston and aswer was repeated 5 or more times with the same answer by both parties. I completed paper work to purchace the XXXX XXXX and a day later discovered XXXX XXXX had removed the warrenty and failed to dusclose the vehice had been in an accident. I also discovered XXXX XXXX had illegally slammed my credit report with an inquiry. This illegal inquirey was enough to cause EQUIFAX CREDIT BUREAU TO LOWER MY CREDIT SCORE. I filed a dispute with Equifax and XXXX XXXX and neither will process the dispute to remove the illegal inquiry on my credit report. I also sent written complaint toXXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. My credit score remains lower than it was before XXXX XXXX illegally slammed my credit records. Can you please help? Contact Information : XX/XX/2015 Equifax Information Services LLC Attn : Dispute Department P.O. XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

On XXXX I purchased a washer and dryer from Conn 's Home Plus Appliances located in XXXX, LA. I financed the purchase through Conn 's Home Plus in house finance department for {$2500.00} plus interest for 34 months. My monthly payment was {$110.00}. I set up auto pay through Conn 's Plus web site using my bank 's debit card to be drafted each month on the payment due date. In XX/XX/XXXX, I requested a pay off amount for this account and was told that {$1100.00} would pay the account in full. 
On XXXX I made an online payment using my bank 's debit card for {$1100.00}. My bank notified me on XXXX that Conn 's Home Plus drafted my account for {$1100.00} using my bank debit card that was on file on their web site without my permission. I notified my bank that the payment Conn 's drafted on XXXX was a duplicate. On XXXX Conn 's returned only {$1100.00} with no explanation as to why that amount. The {$1100.00} I paid to Conn 's on XXXX to pay off my loan was not returned and I assumed my account was paid in full on that date. 

On XXXX I received an email from Conn 's Home Plus that my account was currently due {$47.00}. I called and advised that there is an error on their part. I had paid off this account back in XX/XX/XXXX and that they should check their records. They opened a claim or ticket as they claimed but said they had never received any payment since they returned the {$1100.00} to my bank XXXX XXXX. I advised that XXXX payments were made in XX/XX/XXXX and only one was returned. They continued to say they never received my payment made on XXXX for {$1100.00}. I went on line and my payment records had been deleted from my on line account and now they have locked me out. I requested a paper copy of my payment records which they did send. Their records of my payments make no sense after they said they returned payment in XX/XX/XXXX. I went on and paid what they said I owed to protect my credit. I contacted my bank and they did a trace on the payments made to Conn 's from my bank account. They confirmed that Conn 's financial institution received my payment of {$1100.00} made on XXXX. The transaction ID # for payment made on XXXX by my bank was XXXX and transaction ID # for payment of {$1100.00} made on XXXX by my bank was XXXX. I gave all of this information to Conn 's and they still insist that they did not received 2 payments and had returned only the one they say they received although they could not explain the differences in the amounts and why my account has not been given any credit for the money I have paid since XX/XX/XXXX notice of amounts due. I stopped paying because Conn 's now owes me a refund for over payment. 

I need help in resolving this matter and it appears Conn 's Home Plus is not acting in good faith and keeping my money with no explanation why. I am attaching all of the documentation I have generated in this matter. What ever help your office can give will be greatly appreciated.
Product: Debt collection

regarding account XXXX which you claim I owe {$68.00}. 
This account is unknown to me. 
I have reached out to the furnisher and they are unable to validate this debt as mine.
Product: Mortgage

We had a mortgage with Wells Fargo beginning in XXXX. In XXXX my husband had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX leading to a long hospital stay then XXXX  months of home confinement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When the battle with the XXXX had finally been won the XXXX  XXXX specialist cleared him to begin XXXX XXXX  and a home program and was finally cleared to go back to work after another XXXX months. 

One year had passed with no work or paychecks and with 2 college tuitions it became very difficult to stay on top of our monthly expenses.

Then the real estate market crashed with my husband a XXXX  and me a XXXX  he was forced to file for unemployment until that expired in XX/XX/XXXX. 

In order not to default on our mortgage we were forced to wipe out our entire savings account, cash in both our XXXX XXXX  's and even sold some of my jewelry to stay afloat. 

We contacted Wells Fargo on many occasions with of course no resolution. We were advised to meet us with XXXXXXXX XXXX XXXX XXXX  XXXX to work through a loan modification. I have a binder full of documents that were submitted over and over again to Wells Fargo and what did they come back with for a solution? # 1 We were spending too much money on groceries and # 2 give us a 6 month moratorium on payments but at the end was a balloon payment for the full amount! They just had us go through the motions with NO intention of modifying the loan.

During this time we had to put our house on the market ( remember it was during the real estate crash! ) and ended up selling it like a fire sale and losing over {$75000.00}.

Had we received the modification we could still be in our house that we built back in XXXX with no mortgage instead we had to sell the house at a loss and at XXXX XXXX XXXX we will NEVER recover from this. Although President Obama had pushed these mortgage companies to do right by their clients they never had any intention of providing any relief. 

I had submitted a claim to you but you " closed '' the complaint when Wells Fargo said they only hold records for 7 years and couldn't " find '' our account. Serioiusly??? That was a sufficient reason to close the file? They are one of the worst companies for so many ways they have screwed their customers and should not be allowed to continue their illegal tactics. How is it they only keep records for 7 years? How does that work in fixing their past mistakes without any records? 

For their convenience here is my mortgage number they " couldn't find '' XXXX. 

BTW the XXXX XXXX  XXXX XXXX admitted they only had ONE modification out of the hundreds that applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX  XXXX XXXX Balance Owed : {$580.00}.
Product: Credit reporting or other personal consumer reports

What is debt re-aging?

As mentioned above, debt that has gone into collections can only stay on your credit reports for seven years plus 180 days after DOFD. ( Unfortunately for us all, however, this does not mean that you no longer have to pay the debt after that time period passes. ) Debt re-aging, however, means that the DOFD has been moved on your reports to show that a bill first went unpaid later than it actually didand thus it will stay on your credit report longer. For example, if you didnt pay a bill that was due in XXXXXXXX XXXX XXXXXXXX but your credit report shows that it was due in XXXXXXXX XXXX XXXXXXXX, that means your debt has been re-aged.

Debt re-aging is a complicated process to understand, largely because it can be harmful and illegal in some circumstances but helpful to consumers in others.

They are listing me as charged off multiple times. They are listing me as being charged off every month.The credit bureaus are conspiratory with this crime. I'm preparing to sue.

This is illegal and harmful to me and my family. Every month reporting me as being consistently charged off is inaccurate and illegal. I'm going to have to file something in my local court. 
XXXX has 4 accounts that are reporting inaccurately and they are reporting me as being charged off monthly XXXX {$11000.00} is being charged off every month which is illegal and inaccurate XXXX bank is inaccurate with the date of my last payment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX, Date XXXX XX/XX/2023. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following ITEMS from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

This rude uncooperative arrogant representatives that represent this company engage in unfair and deceptive practices. They offer extensions due to a natural disaster, then in the next breath say " oh your not qualified '' This is a violation of UDAAP .... 
Calls were placed on XX/XX/28 and both customer service n collection reps like to play games and profusely refused to transfer to a superior.
Product: Debt collection

Both Enhanced Recovery Company and XXXX XXXX  are attempting to collect on the same debt. Please see the attached letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts from my credit report, as I am a victim of a data breach. I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request that these accounts be blocked and removed from my credit file : XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5600.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$16000.00} As a result of the data breach, I am requesting that these accounts be blocked as they are potentially the result of fraudulent activity. Please take the necessary steps to ensure that these accounts are blocked from my credit report, and confirm the deletion of any associated data in accordance with the law.