23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As of XX/XX/2023 credit control services has not ceased communication. They have violated multiple consumer rights from times of communication and being unable to provide the original contract and purchase agreement. Credit control services has been unable to verify the account and have maximum possible accuracy. I will full intentions to litigate if they do not immediately remove this account from my consumer report.
Product: Credit reporting or other personal consumer reports

Report Number XXXX Date Generated XX/XX/XXXX Account charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance - Highest balance {$2100.00} Terms - On record until XX/XX/XXXX Dispute hasn't been resolved with no explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was removed from XXXX. Transunion and XXXX have not removed the account, although validation has not been done. There is no possible way they validated when XXXX  received the same information and could not validate which resulted in the account being removed.
Product: Student loan

I was contacted by the Department of education on XX/XX/year>, regarding my federal debt with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding that my federal debt was forgiven due to finding of fradulent practices and engaging in unlawful conduct. In the weeks following. I became aware, through the PPSL, that Navient had quietly offered a School Misconduct forgivness application. 

On XX/XX/year> I reached out to Navient 's consumer advocate email after receiving the above notice and requested documentation to allow me to apply for forgiveness for my Private loans due to the unlawful conduct. Navient responded within 3 days and I received my School Misconduct application from Navient and started gathering information from various groups organizing for forgiveness from XXXXXXXX XXXX misconduct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. There was very little guidance on how to properly fill out the form so I applied several documents regarding the fraud perpetuated by XXXX, my personal circumstances and whatever evidence I could find. 

I completed the form on XXXX XXXX and submitted it to Navient on XX/XX/XXXX. Navient received my completed form on XX/XX/XXXX and notified me of a forbearance on my account stating that it was needed to process the review for my forgiveness. I didn't receive any additional correspondence from Navient following the submission. 

I submitted additional evidence to the same email account with the hopes of improving the documentation on XX/XX/XXXX. This email was not responded to either automatically or otherwise. 

On XX/XX/year>, I received documentation from Navient stating that my application for school misconduct discharge was DENIED for the following reasons " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I am currently attempting to gather more information and attempting to contact the advocate 's office to figure out whether or not I can appeal the decision, or if I can resubmit with evidence, but I haven't been able to find much more evidence. 

I submitted several letters from XXXX XXXX. Several documented cases, from the ED and the DOJ and submitted the case pertaining to the federal government forgiving my debt due to misconduct, and several personal unredacted documents. Without more insight into why Navient denied me. I've been placed back into repayment without any means of recourse. Frankly, if Navient can deny the federal government 's findings, the whole process seems to be arbitrary and biased. 

Since my application XXXX and several other senators have reached out to Navient, telling them that they had improperly denied several school misconduct discharge applications, but I'm currently waiting in the lurch to figure out what I need to do now.
Product: Money transfer, virtual currency, or money service

I reached out to PayPal and ( subsequently Venmo since PayPal uses that as well ) to find reason as to why my accounts were frozen. 

Earlier this XXXX, after I had gotten back from vacation, I had to contact PayPal via email and multiple phone calls as to why my account was frozen and how I could proceed with reinstating my account. After overtly long phone calls with the representatives, they outright denied further assistance with finding out why it was closed ( and directing me back to disputes -- even though that wouldn't help ) Earlier today, I had a similar cycle with Venmo, both in email and phone form.
Product: Student loan

I received notices/letters between XXXX and XX/XX/XXXX from student loan servicers telling me that I qualify for the " Fresh Start '' initiative and the " SAVE '' Program to help remove my record from default and put my loans back into good standing. Some plans would reduce my monthly payments to {$0.00}. Interest and principal would be placed on hold until I was able to start making repayments. I have been anticipating reimbursement/compensation payments for collection violations, attaching personal loans information related to other students to my loan records, interdepartmental failures and accounting errors, loan transfer issues and consolidation errors. Forced to make payments to avoid wage garnishment and tax liens while they investigated my claim and report of a bankruptcy in XXXX. Some of the letters listed my loan balance. The loan balance was different on all three letters/notices. Totally different as compared to my FSA, on 2 reports. It has been more than 20 years since I requested redress/clear my bankruptcy for undue hardship, I met the criteria, and process my compensation payment. The new repayment plan listed on one of the notices is {$5700.00} a month. If I should choose to start making payments.
Product: Credit reporting or other personal consumer reports

I was one of the millions whose personal information was stolen from creditors databases, leaving me vulnerable to identity theft. Compounding this issue, major creditors like TD and American Express reported inaccurate information on my credit report without proper verification. This has created significant challenges in addressing my credit status and has made it difficult to regain control over my financial well-being.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

This bank is beinf very rude to me I feel XXXX  against I applied for my XXXX XXXX  and it was initially declined due to many inquiries I called them to explain that I was a victim of identity theft and that XXXX told me the inqueires would be removed they told me to call them back to do a reconsideration and once they pulled my credit and saw that they were removed I would be approved for my card I called them they were able to confirm that they have been deleted but they still wouldnt approve me I feel like I was lied to and now their requesting documents such a frustrating experience especially when Im doing what their telling me to have my app approved they claim their system wont let them
Product: Checking or savings account

On XXXX, XX/XX/XXXX, to my utter shock I open my chase mobile app as I am going to pay my credit card bill from my personal account and my personal bank account is not showing up. My business accounts are still available. I call the local branch to inquire and they say I have to call a number theyll give me or come into the branch. They cant provide any other info over the phone. I decide to stop everything Im doing and go to the branch as Ive been unsuccessful in the past resolving things online or through the phone. I go to the branch and sit there for about an hour while the branch manager calls Loss Prevention. In the end, he tells me Chase closed the account for fraudulent activity. I ask him what fraudulent activity. A check I deposited - settlement check from an attorney awarded to me because of a car accident - almost {$13000.00}. At first the branch manager doesnt want to see the paperwork, finally he reviews the paperwork, he speaks to the representative on the phone with no success. I ask him why they didnt hold that check but allow me to access my other funds. He says Chase would have sent me an an alert through the mobile app or sent me a letter. No letter anywhere to be found. I cant access any alerts or information from my personal account on the app. Then he says the letter was sent on XX/XX/XXXX. Theres nothing he can do. Chase can close any account at any time. He suggests I go to any chase bank with the person who issued the check to clarify the situation. I feel chase profiled me, had no respect for my rights, and treated me unfairly.
Product: Debt collection

Portfolio Recovery Associates is in violation of FCRA by adding and reporting to credit reporting agencies an address that I have never lived at or been associated with as deliverable by USPS  or otherwise. As a result my personal information and privacy has been compromised and is reporting inaccurate information. 

I spoke to Fraud XXXX XXXX at XXXX on XX/XX/XXXX who verified that the address I was disputing was reported by Portfolio Recovery Associates on XX/XX/XXXX. I have also attached copies of my credit report that shows the address ID # reported by Portfolio Recovery Associates collection accounts on my credit report. 

Method Of XXXX Reason : Provide proof of any and all evidence that a reasonable investigation was conducted to ensure complete accuracy of information you are reporting on my credit report. 

XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, requires assignment of debt be manifested by written agreement and proof of assignment must be provided.
Product: Money transfer, virtual currency, or money service

My husband and I bank with navy federal. We recently sold out house and receive a {$2900.00} check that we cashed on Sunday XX/XX/XXXX and we called on XX/XX/XXXX to make sure the funds were going be receiving the funds because we have car payments that were coming out soon. They said it should come out between the time frame of XXXX to XXXX standard time that night. We wake up on Tuesday XX/XX/XXXX with our account negative {$5500.00}. We instantly called the bank, my husband called before I did because he has XXXX and I was asleep. But, the lady on the phone with my husband wasnt comprehending there was no way our account was negative that much and she basically told me husband to control his spending. He told her theres no way with the payments we recently made that our account would be negative {$5500.00}, the lady finally found the issue and it was because of our check, she had informed my husband that the check was on a hold a due to the mortgage company sending a confidential message to not release the funds so as soon as I heard that I got on the phone with the mortgage company and they had no idea what this lady was saying, they read the check number off and even said they should not be having issues with the check. My husband gets very upset with the lady because how are we getting penalized for a check we cashed and they are the ones putting the hold on it. How is our account negative because of that. So she winds up transferring her to the manager and the manager basically told us there is nothing we can do. They wouldnt let us know what the confidential message was about even though it was about our account and our check. All together my husband and I are going to pay off all our loans and transfer banks because we have pills and car payments coming out and now our credit is going to get messed up because navy federal can not release our funds and can not give us a very good reason on why not because the reasoning changed 2 times with the female and then 2 times with the manager. We have had nothing but issues with this bank and we are done. We do not recommend banking for a with navy federal they claim they help the troops but couldnt help my husband at all. ( He is XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the serious infractions committed by Innovis Consumer Assistance regarding the accuracy and privacy of consumer information, as mandated by the Fair Credit Reporting Act ( FCRA ). This issue needs immediate attention and resolution to prevent further harm to consumers.

Based on the information provided, it is evident that Innovis Consumer Assistance is not reporting accurate information, a violation of [ 15 USC 1681e ] ( b ). This statute requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information pertaining to individuals in the reports they prepare. Furthermore, Innovis Consumer Assistance is in dir
ect violation of [ 15 USC 1681b ] ( a ) ( 2 ) of the FCRA, which permits consumer reporting agencies to furnish consumer reports only in accordance with written instructions from the consumer whose information is being reported. I would like to emphasize that I have not granted authorization to anyone to access my private and confidential records, including the information that your agency is currently reporting.

These transgressions directly infringe upon my rights as a consumer, particularly my right to privacy, as outlined in [ 15 USC 1681 ] ( a ) ( 4 ). It is crucial to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumer privacy.

To rectify the aforementioned violations, I humbly request that you take immediate action to delete the erroneous items specified in the attachment from my consumer file within your agency. Failure to comply with this request will leave me with no option but to pursue appropriate legal action.

I want to draw your attention to the seriousness of these violations. Identity theft is a grave offense, and these actions can be classified as aggravated identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). Knowingly transferring, possessing, and utilizing someone's means of identification without lawful authority is a felony punishable by up to XXXX years of imprisonment, in addition to civil liability.
Product: Debt collection

I have repeatedly disputed the CAPITAL ACCOUNTS report stating that I owe upwards of XXXX to XXXX XXXX XXXX. I initially disputed in XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX XXXX  admitted that my information was supplied which led to my credit being reported falsely. They assured me that XXXX XXXX will remove this debt from my account ENTIRELY, as it belongs to my mother and not me. 

XXXX XXXX was contracted and responded XX/XX/XXXX, stating that it has been handed over to be corrected. According to XXXX, the debt is still being reported as mine. I sent a debt validation letter on XX/XX/XXXX in which is was signed by an agent XX/XX/XXXX, with tracking number XXXX. 

I have NOT received any validation paperwork from this company as well, as it would not and could not exist. Today I attempted to contact XXXX XXXX and XXXX XXXX ( a supervisor ) to inquire about the current reporting status. I was repeatedly hung up on. 

I also spoke with XXXX XXXX who also refused to tell me more information or connect me with the proper authority to provide clarity as to this gross misstep.
Product: Credit reporting or other personal consumer reports

Information is inaccurate. Please remove from my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report due to unauthorized use of my information following a recent data breach. 
Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately remove the fraudulent items listed below to prevent further harm. 
Fraudulent Accounts 1. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1100.00} 2. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$740.00} 3. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$660.00} 4. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$8400.00} 5. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1500.00} 6. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$680.00} 7. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1100.00} 8. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$510.00} 9. XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} 10. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$340.00} 11. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$180.00} Unauthorized Inquiries 1. XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. EMSVUHL - Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Vehicle loan or lease

I financed a car through American Car Center on XX/XX/XXXX. On this day when I got the vehicle, I got a 30-day tag that expired on XX/XX/XXXX. After several attempts to contact XXXX XXXX ( the car salesman ) and after several promises from him that my tag would be in the following week, etc. I decided to drive to the dealership. This was on XX/XX/XXXX. Only to see that the dealership had been closed down for bankruptcy. The last email communication I received from XXXX was on XX/XX/XXXX, after the 30 day was expired. Advising DMV stated the tags will be avail that following Tuesday. After checking my emails on XX/XX/XXXX, this exact day I received an email from Westlake Portfolio Management advising they are the ones would be servicing my loan and taking the payments. It has been 2 years, going on 3 and I still have not received legal tags. DMV has advised that this vehicle is not registered to me. It is still registered in Minnesota. I no longer drive the vehicle ; it is just sitting. Since I can not obtain legal tags to operate it. Law enforcement has pulled me over several times. And there is no proof that I have that this vehicle belongs to me. Every month Westlake is hitting my credit over a vehicle I can not legally drive. And they have this car listed as a lease. The sales agent advised I would be financing to own. Please help me resolve this. My only recourse seems to take Westlake to court. This has impacted me in so many ways especially my credit. I have contacted Westlake several times. Spoke to supervisors and to date no one has helped me. All Westlake wants me to do is continue to pay on this car. They do not appear to want to help me resolve finally receiving the tags to drive it.
Product: Money transfer, virtual currency, or money service

I attempted to send my XXXX  mother money in XXXX. Shes been having a hard XXXX so she hasnt been able to work. She has XXXX so Ive had to send more money than usual for Doctors bills and etc. I can show proof from the hospital in XXXX. Same amounts that I have sent. Tonight I attempted to send her money so she could XXXX shop tomorrow for her and her other son and Remitly suspended my and refused to provide me with an explanation even insinuating that I was doing something illegal on their platform. Im HUGELY offended and would like to pursue this further legally for discrimination.
Product: Credit reporting or other personal consumer reports

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent Acct # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX. XXXX XXXX XXXXXXXX XXXX states i have the right to privacy. 
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX : it also states a consumer reporting agency can not furnish a account with out my written instruction.
Product: Credit card

I purchased a credit report from TransUnion on XX/XX/year> and was charged {$28.00} - Fine. No problem. However I dont want further charges and spent the entire afternoon trying to cancel my subscription. Impossible. I called XXXX different numbers. Chatted with several people who could not or would not help me. I couldnt even sign into my account. Apparently it is suspended. Why? Have no idea. I finally called the credit card company and was put on permanent hold. I typed up an explanation and the website went down before it was sent. 
All I want to do is to ensure no further charges are made. This company does not appear to be reputable.