23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I'm resubmitting this complaint because you have not investigated but provided a canned answer 1 ) THE CALL I RECEIVED WAS NOT ABOUT MY LOAN 2 ) STOP CALLING ME ABOUT A LOAN THAT IS NOT MINE 2 ) STOP CALLING ME AT THE NUMBER YOU CALLED FOR ANY REASON. As you know, if a consumer says, " stopped calling me '' you have to stop, and again, you were not contacting me about my loan. In your response you said my loan ( yes I have a loan with you, but again, the call WAS NOT ABOUT MY LOAN ) is past due - IS NOT ACCURATE. Again, after using abusive language your representative determined that she called the wrong person. Investigate this and do not provide me with another canned answer. 

Here is the original complaint. 

-- -- -- On XX/XX/XXXX and XXXX I received calls from Navient to my business line. I returned the call on XX/XX/XXXX and realized It was Navient 's attempt to collect a debt. While I do have student loans with Navient they are being paid and not in default. I was previously contacted on my business line on XX/XX/XXXX about the debt. I went through the prompts and the woman realized that they had called the wrong person. I asked her to not call my business line again and she obliged. So when I got the call in XXXX I was surprised. When I spoke to the woman I immediately said, I asked you not to call this line. She immediately went on the attack and threatened to sue me ; I explained to her that I'm not even who she was looking for. Again, she used very abusive language but when she went through all the identifying information, she realized ( as I tried to tell her ) it wasn't me she was looking for and then she hung up. I called Navient customer service to complain and ask that my business line not be called. Apparently they have no real process for this and could not identify who to call. They said call the person who initially contacted you. It was a direct dial to that person so I'm supposed to complain directly to the person that's the issue? I was told to leave a message asking for a manager to call me back. I've been calling for a week with no answer and no response. I want them to 1 ) not call my business line 2 ) stop calling me about a debt that's not mine 2 ) be fined for continuing to call a number I asked them not to. The person at issue is XXXX XXXX or XXXX her direct dial is XXXX. I spoke to her the morning of XX/XX/XXXX around XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened account under my name and got loan with XXXX XXXX My credit score dropped and there was past overdue from XXXX  in the amount of {$88.00} {$280.00} {$100.00} {$83.00} {$120.00} {$86.00} {$62.00} {$47.00} The date mentioned was XX/XX/2023 I filed dispute with Experian and called XXXX  but after 25 days they said its my account even the address and email is wrong on the XXXX  account.
Product: Debt collection

Upon checking my credit report saw this as a collections account I have never opened a line of credit with XXXX XXXX XXXX and never used any of their checking accounts only had roadside assistance and used to have insurance with them until leaving due to false estimates for coverage No mail has been received regarding debt and or notification that this exists since 2021 Id like this removed from my credit report as this debt doesnt exist and or notification wirh verification hasnt been received by me in over two years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on Experian, XXXX and XXXX. 

15 USC 1681a ( 4 ) says, 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 so XXXX XXXX has violated this law because this late payment reporting on Experian, XXXX and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to Experian, XXXX and XXXX and I didnt give them permission to do so.
Product: Mortgage

This is a second complaint against BSI Financial in the past year. Thanks to CFPB, the first XXXX was handled. It is my understanding that BSI can not hold my over payment on my escrow account hostage to a 30 day delinquent payment. Due to medical heartships, we have beening running 30 plus days late for over a year. However, we have been making our current mortgage payments. Because of a reduction of taxes, BSI is holding approximately {$2400.00} of my escrow money. When I inquired with them, I was told that if I send them the delinquent payment, they will release my escrow money. I told them that if I had the money, I would not be delinquent. I asked them if they could apply part of my escrow money to the payment and send me the rest. They refused telling me that it was not their policy. It seems to me that My money that I paid in on my escrow account is collecting interest in their holding accounts for which they have no right to do. Again, this is the second time that I have had to write your good offices to encourage BSI to take care of a financial matter. The first XXXX concerned them holding my homeowners money and not paying the insurance company. Thank you for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021 US SM BUS ADMIN ODA XX/XX/2021
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX  XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some used my name to open up account that aren't mine and do not match my address, phone number, or even the state I live in. Please note My suffix is Sr. I tried to contact the company but they say my information doesn't match and they can't pull up the account but it's showing up on my credit report.
Product: Money transfer, virtual currency, or money service

Since last year XX/XX/XXXX I have been trying to get my mercari account back but this company has only responded by asking for my ID to verify. On XX/XX/XXXX I have decided to comply with my Face ID and driver license and they also requested my mother do the same since she is listed on my account. Fair enough everyone in my household which is my mother and myself is Face ID and driver license verified that matches the bank account and tax info. Now they want some other person NOT associated with my account that doesnt exist to Face ID and give driver license. This person does not exist in my account so they are asking for information that makes no sense. They need to escalate this and let the account go through. I gave more than enough information that matches bank info and tax information.
Product: Vehicle loan or lease

In XXXX I leased a XXXX from XXXX XXXX in XXXX, Indiana. In XXXX I secured a new job in another state and moved. In XXXX of XXXX I secured a loan to purchase the XXXX that I was leasing. During the loan process Volkswagen mistakenly paid the sales taxes to the wrong state ( Indiana ). As a result, the bank was not able to register the car in the right state ( Pennsylvania ). The bank officer working on the loan and title transfer and myself have reached out to Volkswagen numerous times over the last 11 months and asked them to produce and send an affidavit verifying that the sales taxes were paid to the state of Indiana so that the car could be registered and have the title released and switched over to my name. To date Volkswagen  has not produced the affidavit, released the title or done anything that has resolved the issue. XXXX, the Volkswagen representative assigned to the case does not return phone calls to XXXX XXXX the loan officer. Because the car is unregistered and I do not have a garage to store it in where I live the car was recently impounded by the police and collects fees everyday. It will be auctioned and I will have to pay the loan payments for the car regardless of if it is sold at auction. The police department will not release the car without proof of registration and the bank can not register the car without the title or the affidavit. I am at my wits end and do not know what to do to resolve this issue. 

Desired Outcome Volkswagen must produce and send an affidavit verifying it paid taxes to the state of Indiana to the bank loan officer, release the title so the car can be registered, pay the impoundment and towing fees and correct any problems associated with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is unfair. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. I have been asking for proof that these negative accounts in my credit report is reported truthfully yet nothing has come to light and not provided me with copies of any documentation associated with these accounts bearing my signature, authorizing an hard inquiry. These unverified accounts affects my scores badly.
Product: Bank account or service

WENT TO XXXX XXXX CHASE BRANCH, BRANCH # XXXX. THE CASHIERS NAME IS XXXX AT CHASE XXXX XXXX. THE TIME I WENT IN AT WAS XXXX COUNTED THE CASH TO BE DEPOSITED TO A CREDIT CARD AS PAYMENT AND IT WAS {$6000.00} WHEN I ARRIVED AND HANDED THE TELLER THE MONEY SHE FED IT THROUGH THE MACHINE AND IT SAID {$5000.00}. I FELT PRESSURED AND ANXIOUS AS I DO NOT WANT TO COUNT THE MONEY IN THE LOBBY OF A BANK. SHE DID NOT HAND COUNT IT. SHE ONLY FED IT THROUGH A MACHINE. I COULD NOT PHYSICALLY SEE THIS BECAUSE THE COUNTER IS SO HIGH. AND THERE IS A BULLETPROOF GLASS. 

IF A {$1000.00} WENT MISSING IT MUST BE AT MY HOUSE SINCE I LIVE XXXX CITY BLOCKS AWAY AND WENT DIRECTLY FROM MY HOME TO THE BANK. 

WHEN I LEFT THE BANK TO CHECK MY HOUSE AND MY HOUSE WAS EMPTY I PROMPTLY WENT BACK. AFTER SPEAKING TO THE BANK MANAGER SHE SAID SORRY. WE RECOUNTED AND THE DRAWER IS COMPLETE AND GAVE ME A DESCRIPTION OF THE DEPOSIT. WHEN I ASKED IF THERE WERE CAMERAS SHE SAID NO. WHEN I THEN ASKED IF THERE IS A CAMERA THAT WATCHES THE TELLER, SHE SAID NO. WHEN I ASKED TO SEE THE TAPE SHE SAID NO AND STATED HER TELLERS DO NOT STEAL. WHEN PRESSED FURTHER AS TO WHAT PURPOSE THE CAMERA SERVES SHE SAID TO SHOW TRANSACTIONS FROM CUSTOMER TO TELLER, BUT THEN NOTHING IS SHOWN TO PROTECT THE CUSTOMER FROM A TELLER STEALING SINCE THERE IS NO TAPE OF IT. I MADE THIS POINT CLEAR TO HER. 

THIS DOES NOT SOUND CORRECT. MOST BRANCHES I HAVE EVER BEEN TO HAVE CAMERAS TRAINED ON THE CUSTOMER AND TELLER SHOWING THE TELLER 'S ACTIVITY. SHE TOLD ME HER TELLERS DO N'T STEAL, ETC ETC. BUT HOW CAN THIS PROTECT THE CONSUMER? IF THERE ARE NO CAMERAS ON THE TELLER THEN THE TELLER CAN SAY WHAT SHE WANTS AND PUT INTO THE CASH DRAWER ANY AMOUNT SHE WANTS. I REFUSE TO BELIEVE THIS AND I DEMAND AN INVESTIGATION INTO THIS. 

I REFUTE THIS CLAIM AS XXXX DOLLAR BILLS DO NOT GO MISSING ON ITS OWN. I FEEL AS IF THIS TELLER MISCOUNTED MY MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account open with XXXX XXXX XXXX. This account had been transferred to UAS connect and then got transferred to the Department of Education. On XX/XX/XXXX this account was paid in full. My fianc and I recently applied for a home loan and got rejected because this account was still listed on my credit report as open and unpaid. I called Equifax and asked them to remove it and told them it had been paid off. I was told to submit proof so I reached out and I acquired proof from both the Department of Education and XXXX XXXX XXXX  that this account was paid off. I was then told that this information had to be submitted by the original loan holder. I had my contact at XXXX XXXX XXXX  send a letter to them on XX/XX/XXXX saying this account was paid off, giving the date it was paid off and asking that this account get closed and removed. After a few weeks going by and no change, I called Equifax again about this, asking if they received the letter asking this get removed. The man I spoke to said I needed to dispute this account again ( for the 4th time since it was paid off ) and after disputing this, they said they would need to contact the original account holder for proof and closed my dispute and made my credit score go down XXXX points for no apparent reason, since they made no change to my credit report. XXXX XXXX says they have heard nothing about this account from Equifax. I don't know what to do next to get this removed from my account. I have many forms of proof that this account has been paid off.
Product: Mortgage

I believe the steps taken to ensure a timely close were severely mis-handled by my lender, Veterans United. 

The targeted closing date of XX/XX/XXXX was decided on XX/XX/XXXX ( an attached email shows this ), a Saturday. Communication of the closing date was given to Veterans United on XX/XX/XXXX, a Monday. Prior to this, Veterans United had the credit report, employment verification, rent verification, salary information, and alternate tradeline information of both myself and co-purchaser for over 1 month. 

As of XX/XX/XXXX, we are unsure if we will be able to close due to the length of time it has taken the title company ( XXXX XXXX ) to return the title clearance. ( Various attached emails show this. ) Our loan file must go to the Veterans Administration for a final review before we may close. This could take up to 10 business days. This leaves a large possibility for our close deal to fail. 

I am filing this complaint because I feel Veterans United waited much too long to get the procedure started with the title company. 

Veterans United did not tell me of this uncertainty until I asked about it specifically on XX/XX/XXXX via phone call.
Product: Credit reporting or other personal consumer reports

I am deeply concerned about the blatant disregard for my consumer rights in the handling of my dispute letters submitted to the three major credit bureaus, beginning on XX/XX/2023. It is disheartening to note that all three credit bureaus have not only ignored my letters but also violated the Fair Credit Reporting Act ( FCRA ) by failing to respond within the mandated 30-day period. 

Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports. The credit bureaus are legally obligated to investigate these disputes within 30 days and provide a response. By neglecting to adhere to this timeframe, the credit bureaus are in direct violation of the law, undermining my rights as a consumer. 

I want to emphasize the gravity of this situation, as it not only impacts my financial standing but also erodes my confidence in the integrity of the credit reporting system. The inaccurate information on my credit report has far-reaching consequences, affecting my ability to secure loans, obtain favorable interest rates, and even impact my employment opportunities. 

I urge you to take immediate action to rectify this situation. I demand that the credit bureaus promptly investigate my dispute, update every item on my credit report to accurately reflect the status as " paid as agreed, never late, '' and provide me with a written confirmation of the corrections made. I am well aware of my rights under the FCRA, and I am prepared to take further legal action if necessary to ensure my rights are upheld. 

I expect a timely response and resolution to this matter, as it is not only my right as a consumer but also a matter of upholding the laws designed to protect consumers like myself. Your cooperation in this regard is essential, and I anticipate your swift action to rectify these violations and provide the accurate credit reporting I am entitled to under the law.
Product: Debt collection

The latest date was XX/XX/XXXX ; however call several times daily and weekly looking for daughter. 

Have shared there is no additional information we have to offer and that we do not have contact information. 

Made repeated requests for caller to stop calling. 

Callers also identified that daughter was " running a business out of home connected to number ''. This information is false, inaccurate, and did not request to know nature of call - however this was provided.
Product: Credit reporting

I leased a new car from XXXX XXXX in XX/XX/XXXX. After 90 days the dealership I purchased from contacted me to say they made a mistake with the Vin #. I brought the car in and had to re-submit paperwork for the lease. XXXX XXXX then confused my account with another account that had been delinquent. As a result XXXX issued a negative hit on my credit file. Of the XXXX major credit reporting agencies Transunion was the latest to report an issue on my credit file. Now it is my 4th time going back to them to dispute the information from XXXX XXXX. The first time they corrected my file then reversed it to the original inaccurate information. I went back a second time, they corrected it and then omitted that I was paying off an installment loan to XXXX XXXX that Transunion themselves said affected my FICO score due to have no installment loan info! I went back a 3rd time, it appeared both issues were corrected and in XX/XX/XXXX received documentation from Transunion showing everything correctly. I checked my credit report via XXXX, that allows my to see the XXXX major credit reporting agencies and noticed once again Transunion how a late payment noted on my credit file that I had previously resolved with them! Reversing for the 2nd time information previously corrected! Tonight I sent my 4th dispute online with Transunion. XXXX credit has corrected my information, I assume at this point that Transunion is clearly inaccurate and incompetent. This is the worse experience I have ever had with a credit reporting agency.
Product: Student loan

Student loan payments made between XXXX I made student loan payments to Pennsylvania Higher Education Assistance Agency XXXX PHEAA ) Default Collections through the AES XXXX XXXX, from XX/XX/XXXX through XX/XX/XXXX, while working full-time in qualifying public service at the University of Colorado. These payments are missing from the XXXX XXXX XXXX XXXX tracker. If these payments- which were $ XXXX and totaling over {$XX/XX/XXXX} that I paid - I will have fulfilled the XXXX payment requirement to receive forgiveness. 

I have XXXX email confirmations from XXXX for each of the payments of {$XX/XX/XXXX} that I made between XXXX through XXXX. Please find these payments that I made and apply them correctly to my account. 


XXXX XXXX XXXX ss # XXXX PHEAA Account # : XXXX Email ID : XXXX Account ID : XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I got an email saying my account close and I been with this bank for years. They close my account with XXXX dollars for no reason. They couldn't even give me a reason. I call and was told they was going send me a check in the mail within 30days
Product: Debt collection

I am not understanding what was it that was change? I received a notification results from the credit bureaus regarding the dispute with PRO COLLECT Inc and I do not see any changes. They states that changes have been made. What changes? I have not received any document stating the DATE OF DELINQUENCY as I have requested. I under stand the this account was received on XX/XX/2016, but THE DATE OF DELINQUENCY. The date this account was pronounce delinquent. The first to 3 months that no payments was made. It is very different from the date that you received the account. I need documents were this is staten the DATE OF DELINQUENCY. Attached is the date they are reporting to the credit bureau been the date of delinquency which does not match to what XXXX TX stated when speaking to them. Please send this information. Thank you.