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

Hello, I have been trying to get this problem fixed since XX/XX/2021 with XXXX  and XXXX  and these reporting company hasn't sent me ANYTHING regarding this alleged debt. They haven't verified this XXXX Company debt and they haven't sent me any documents that i asked for or anything. So i am so confused who will be able to help me get this removed. Also the debt collector is I C SYSTEM and also hasn't notified me in any way ( 15 usc 1692g ) variolating my rights and keeping me in the dark I'm starting to feel like they are knowingly reporting false information and they wont fix it. It is really stressing me out since it's really been over 100 days of me trying, calling, and sending in disputes yet this XXXX Account is still on my report for no reason. They have violated so many consumer laws it is crazy. 15 united states code 1681 ( i ) ( a ), 1681 ( i ) ( 2 ) ( a ), 1681e ( b ) are just a couple and it should be deleted off my report immediately. Or else I will be forced to litigation since they seem to not be compliant with the law. 15 usc 1681n for willful noncompliance.
Product: Student loan

I get calls daily from different numbers regarding an account for my mother who has been deceased for almost 2 years. I personally dont even have an account with Navient so I dont even know how they obtained my number. I tell every single about her passing. I tell them I have submitted her death certificate and all other documentation several times since XX/XX/2020. But somehow no one can ever seem to locate it. I verify her information every day and they still call. I ask them to stop calling me and I get more calls. Im still grieving and I hve to relive it over and over everyday dealing with them. Enough is enough. You got my cell number somehow but u wont update her account to decease and u wont give her account number, even though I verify everything. I constantly asked for the address, so much Ive memorized it before its even given to most days just to how many times I hve sent. Even sent a copy of the paperwork given administration of her estate which I kno is how they got my number Im sure of it. Yet nothing is on file and still call me 5 or 6 times a day, for almost 2 years. And text messages started about a yr ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX XXXX, and CONVERGENT OUTSOURCING , INC . I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and CONVERGENT OUTSOURCING, INC with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

Please remove the two late payment reports from 2020 XXXX and XXXX for I was Financial impacted by covid 19. In an act of good faith please remove from report for my account is paid and never late after. My bill was paid on time every month after dating back to when the card was first issued as well please remove the late payment comment from my reporting it is hindering my ability to receive other products from different companies. Thank you.
Product: Student loan

I don't believe I should be responsible for the Navient held private loans taken out for this school who has been proven to use deception in their recruiting tactics, and provided an education that was so subpar that the school is worthless on paper as an educational reference. I am a XXXX XXXX in the XXXX XXXX XXXX lawsuit and am in the process of having those loans discharged. I believe all remaining amounts for the Navient Loans should be discharged and all payments made in relation to the XXXX XXXX XXXX XXXX XXXX should be refunded. I filed for Bankruptcy in 2014 and was unable at that time to have these loans cleared and have been making payments on the loans just so that my credit isn't completely trashed.
Product: Checking or savings account

My debit card dispute claims were ignored for almost two months, then filed on my behalf with the help of a Bank of America resolution specialist for the WRONG REASON. 

My claim letter explicitly states that I am disputing charges with XXXX " because the services or goods I purchased were never delivered to me. '' I uploaded a copy of this claim letter to my original CFPB complaint ( CFPB COMPLAINT ID : XXXX ) After CFPB complaint XXXX I spoke with a resolution specialist assigned to me named XXXX XXXX, and she confirmed that she had the letter and would file the charges on my behalf. Yet, she filed the charges as " fraud '' and therefore the merchant provided basic account information and states that my deposits and withdrawals are " practically balanced '' and wants the charges dismissed. Bank of America ruled in favor of the merchant and denied all of my claims on XX/XX/year>. 

I can not defend myself against this because I never said these charges were fraudulent in the first place. They clearly were disputed under the reasoning that I didn't receive the services I paid for. Furthermore, the merchant 's evidence does not demonstrate without reasonable doubt that they provided the services. 

It is beyond infuriating that I have had to wait three months for a resolution to my claims only to find they were not submitted fairly or accurately. 

I will once again attach the original dispute letter to this complaint. I will also attach my original CFPB complaint regarding this issue which references my original dispute letter that clearly states I am disputing for services/goods not received and contains a copy of my XXXX complaint which states the same thing. I will also provide the tracking number which shows the original letter was delivered to Bank of America on XX/XX/year>.
Product: Vehicle loan or lease

The amount is to be removed as I don't believe I owe the remaining balance.
Product: Debt collection

We paid National Commercial Services, Ink. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX. Phone XXXX XXXX Fax XXXX XXXX their settlement amount and now they wont send us a receipt to show the XXXX in Washington state to restore our licenses back that are suspended till we show receipt of settlement agreement from NCS ink. They said our licenses would be restored after settlement payment was made. Now they refuse to give us any form of settlement agreement receipt.
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 Experian credit bureaus must validate these inquiries 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 inquiries need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX Inquired on XX/XX/2022. 
XXXX Inquired on XX/XX/2022 2022
Product: Mortgage

I am XXXX military, and have been since XX/XX/XXXX. 
In XX/XX/XXXX I purchased a house in XXXX, Arizona through USAA. The loan was a split ( XXXX ). 
I left the US to serve XXXX from XXXX until XXXX. 
During this time USAA sold the primary to another mortgage lender, but USAA retained the " XXXX % '' of the loan for themselves. 
I returned to the US and was divorced shortly after in XX/XX/XXXX-XX/XX/XXXX and because of the housing market crash, the house was upside down. When I attempted to execute a short sale to remove the property as a joint holding between my ex-wife and I, she declined to do so out of pure vindictiveness. This forces the disposal of the property to have to be foreclosed upon in order to break ties and liquidate the property. 
The foreclosure process began, USAA refusel the XXXX / XXXX offer to settle with the primary lender, and the first mortgage holder closed without them. 
USAA somehoe re-catorgized the loan as a " Home Equity Line of Credit '' even though it was original purchase money and not an HLOC. 
In the State of Arizona, there are laws ( see the attached letter as a reference ), that state that all money used as original purchase money, is " forgiven '' at the time of foreclosure. 
USAA has failed to recognize these laws and recorded my mortgage, even after the foreclosure, as a open account with a XXXX balance. 
After seeking assistance from military legal offices, USAA 's only actions in response to the letter requesting the removal of the loan from my credit report, was to file a XXXX and report the loan as loss to them, and capital gains for me. I got smaked with the tax bill, and paid as required. 
However, even after USAA recorded the loss, they still continue to report the mortgage loan on my credit reports and will not communicate with me, or my proxies to resolve this issue. In one event, they actually withheld my military pay to make a mortgage payment forcing me to change my military direct deposit banks to prevent further interference from the bank. I have successfully gotten one of the credit agencies to remove the account based on the law, but USAA has proven to be manipulative and uncooperative, especially since they claim to be a military affiliated institution that is stonewalling an XXXX military member causing massive financial implications in direct contract with the Arizona Revised Statutes that they agree to abide by when they do business in those states. This is a typical struggle of the little guy against the " big bank '' who uses stonewall tactics for their own financial gain, while the whole time advertising themselves as being a " military member supportive institution ''.
Product: Payday loan, title loan, or personal loan

XX/XX/2019 I revoked there authorizations for Ach agreement thru my account. And I did a stop payment on this ach payment. They told me they would not send it thru on XX/XX/2019. On my dashboard they clearly admit to sending it thru on XX/XX/2019. Without my authorization. They clearly have no way to stop an Ach payment. Which by law makes the Ach agreement invalid. There has to be a way to stop it in the agreement. Which there is not. There Ach agreements are deceptive.
Product: Credit card or prepaid card

I was detained in the XXXX county jail in XXXX Utah, on XX/XX/XXXX. And was transferred to XXXX XXXX XXXX XXXX in XXXXXXXX XXXX. Where I was released on XX/XX/XXXX. The transactions that occured between XX/XX/XXXX thru XX/XX/XXXX were made without my authorization. I reported it to NetSpend.com card company and have asked for a statement so I can see who made the unauthorized purchases. They haven't sent any statements. Someone fraudulently used my debit card and spent over XXXX dollars on my NetSpend debit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX/XXXX, XXXX/XXXX, and CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX, XXXX/XXXX and CAPITAL ONE with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I noticed that there is an inaccurate bankruptcy reporting on my consumer reports with Transunion, XXXX and XXXX. I disputed the bankrupcty with all 3 consumer reporting agencies and XXXX deleted it because it was unverifiable. Since Transunion and XXXX continued to report this inaccurate bankruptcy, I decided to reach out to the bankruptcy court to see if they were verifiying the inaccurate data and how were they verifying it. They responded with a letter stating that they do not report to the consumer reporting agencies or verify any information with the consumer reporting agency. 
This really didnt make any sense to me since XXXX and Transunion stated that the bankrupcty court verified the information as correct. It is a violation of the FCRA to report unverifiable and information on a consumer report. Each consumer reporting agency is reporting a different reference number and a different court. XXXX was unable to verify this information so how was XXXX and Transunion? This inaccurate reporting has caused tremendous damage to my consumer reports and my life so I am demanding this unverifiable bankruptcy to be deleted from my consumer reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX, XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I reviewed my credit report and I noticed my credit report is inaccurate and violating multiple laws causing me and costing me a great deal of distress. The harrassing and abusive tactics by this XXXX debt collector company has lead me to not only file a complaint with you all but to the creditor ( XXXX XXXX XXXX ) seeking monetary relief for my consumer violations as well as the attorney general. 

Im sick of the lack of concern for consumer fairness and accurate investigations, below is a list of laws violated on my consumer report. 

15 US code 1692 j- furnishing a deceptive form, which they've sent me mutiple to my address to get me to think I am participating in the attempt of the alleged debt, when asked to produce the original document with my hand written signature they could not, that is a violation. 

15 US code 1681 e b - explains that a credit report is to be reported 100 % accurate when being reported by consumer reporting agencies 15 US code 1692- validation of debts to me means, debt collectors are to notify me of this in writing 14 days prior instead of XXXX days prior and I was not. I do not wish to validate this debt. 

15 us code 1602 p - unauthorized use of my information, I never gave consent for my information to be used which is fraud, also a violation plus medical information sold to a 3rd party is a HIPPA law violation.
Product: Checking or savings account

I have had a checking account with US Bank for over 20 years. I was NEVER charged a fee for having the account until recently. They began charging my account a {$24.00} fee on XXXX. This fee was waived for two months. I'm assuming I called about it, but honestly can ; t remember. After that, they charged the fee for nine more months before I noticed and called about it. At that time ( XXXX ) they waived three of the fees ( leaving 6 others ) and said that was all they could do. Since then, I have spoken to XXXX at the XXXX, XXXX branch. She reached out to her district manager, XXXX XXXX, who told her they could return three more months of money they STOLE from my account without any notice ( still leaving 3 months ' fees ). This is unacceptable. I was not notified that this fee was going to be added to an account I have had for OVER 20 YEARS. Their explanation is that I had taken out two car loans and paid them off which put me in a different kind of account. What?! Why?! Again, I was not notified of this. Had I been, I would have taken my money elsewhere or asked if I could have the kind of account I had had prior to the car loans-which, again, I was never made aware of any kind of change in my checking account. 
In addition, XXXX apparently tried to call and email me on XX/XX/2022 to follow up on my complaint. The phone rang once and went dead. The email asked when would be a good time to call. I explained that the call didn't go through and she could call any time. I did not hear back from her until today and only because I called her again aXXXX XXXX XXXX and left a voicemail ( Friday, XXXX ) She was obviously trying to dodge me by calling at XXXXXXXX XXXX  before quitting time on a Friday. I asked for XXXX XXXX 's number and called him before XXXXXXXX XXXX It went straight to voicemail, so here I wait once again.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers ' safety.
Product: Credit reporting or other personal consumer reports

I have submitted a complaint previously as my account is currently unusable online. I keep having to call and being put on hold for an hour to view my credit freeze and I can't access any of my credit reports directly online. Please fix my account so I can review it directly on the website like it was intended to work. 

Out of the 3 bureas, this is the worst experience as I've previously had some issues with XXXX and they immediately moved to fix it but Equifax just closed my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a section 609 dispute letter to Experian on XX/XX/2023 for account XXXX XXXX XXXX. It's been over 30 days and the matter has not gotten resolved. The credit company is not complying with their own policy in a timely manner. I'm attaching the letter that was mailed out to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to open credit accounts in my name. Once I found out, I contacted all the credit bureaus in which the inquiries were created and started a formal dispute. Equifax would not remove inquiries and stated they were accurate and for me to contact the companies that initiated the inquiry. In turn, I sent certified letters to each company which was a total of 12. Out of those 12 I received 4 responses that stated they had no record of the inquiry. I resubmitted my dispute with Equifax along with the letters from the companies as well as my certified tickets showing the other companies received my dispute and did not respond in 30 days. Equifax still would not remove these inquiries ; however, the other 2 bureaus did after my first dispute. I spoke to several Equifax agents and received no follow up. This has been going on since XX/XX/XXXX and I assumed if the other 2 bureaus had the information that these inquiries were not made by me Equifax would have access to this as well. I do not feel that my dispute was properly investigated and am extremely disappointed.
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away 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
Product: Credit reporting or other personal consumer reports

XXXX  XXXX card has not updated my credit balance to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are the items reporting that are outdated and inaccurately still reporting after expiration. 
XXXX account paid in full as agreed XXXX exceed 7 year delinquent history rule for reporting. 
XXXX  account paid in settlement. 
XXXX XXXX Paid as agreed XXXX XXXX  Paid as agreed XXXX XXXX expired past 7 years reporting. 
XXXX expired past 7 years reporting. 
XXXX XXXX  expired past 7 years reporting.
Product: Checking or savings account

My bank, BB&T, stated that my creditor, XXXX XXXX XXXX XXXX, debited their auto draft twice. Meaning that they drafted the $XXXX  payments two times. And the second one resulted in a insufficient funds draft that cost me $XXXX. BB&T has refunded the $XXXX, but has continued to state that XXXX XXXX  has received their payment. I called XXXX XXXX, for the second time this week, and confirmed that they have not received a payment. I asked BB&T why my online record does not reflect what they are stating and they said I have to go to a local branch to see the draft. I asked them, why? It is my account and if this charge has cleared then it should show that. I was given no answer to the question. This is not the first time I have had this issue with BB&T.XX/XX/19: Posted Balance $XXXXXX/XX/19: XXXX  charge -$XXXXXX/XX/19: Posted Balance: $XXXXXX/XX/19: Refund to XXXX +$XXXX:XX/XX/19: Returned Item Fee: -$XXXXXX/XX/19: Posted Balance: $ XXXXXX/XX/19: Deposit Transfer:+$XXXXXX/XX/19: Deposit Transfer:+$XXXXXX/XX/19: Posted Balance $XXXXXX/XX/19: XXXX - $XXXXXX/XX/19: XXXX - $XXXXXX/XX/19: Posted Balance $XXXXXX/XX/19: Reversal of returned item fee: +$XXXXXX/XX/19:  Posted Balance $XXXXIf XXXX  has received their payment why does their system still reflect our payment as late and why hasn't BB&T deducted their payment from my account?
Product: Credit reporting

I disputed a public record that reported a TAX LIEN on my credit file by Equifax. I provided them with a letter that said I had never a tax lien from the state of Wisconsin workforce development, workers compensation division. Equifax refuses to remove error from my credit report, stating the information they received supersedes any information I provide them.
Product: Credit card

I always paid on time, and this giving me anxiety, I neves XXXX paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.