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

Violations of My Consumer Rights and Monetary Relief for Gross Misrepresentation : Title 12 establishes that cases involving securities automatically fall under Federal Court jurisdiction. I am seeking to mediate with the involved parties before pursuing federal litigation. Per 16 CFR 433.2, the holder ( XXXX XXXX ) of consumer credit contracts is entitled to uphold all consumer rights, including exemptions. According to 15 USC 6802-6805, 16 CFR 433.2, 16 CFR 433.3, and 16 CFR 313.7, I was not provided an opt-out request and have the right to opt out of any and all agreements. Misreporting on my credit reports has occurred, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Under the terms and privacy policies of the Department of Education and the Educational and Privacy Act of 1974, my school and banks were not authorized to disclose transaction history or personal financial information to third parties such as XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  violating my privacy rights. Furthermore, under 15 USC 6802 and 5 USC 552A, I was not given the option to exercise my non-disclosure rights, and my social security number and other personal information were unlawfully shared. Per IRS Publication 4681, canceled or closed debts, including " charge-offs, '' are considered income and should not be reported on credit reports. Reporting such items violates the law. Credit reports include non-mailable addresses, further infringing on my privacy. Additionally, promotional inquiries occurred without my consent, violating 17 CFR 424 and the terms outlined in the XXXX and XXXX reports of these entities. The XXXX XXXX XXXX  report provides evidence of these violations, including unauthorized disclosures. These violations by XXXX, XXXX, XXXX, XXXX XXXX XXXX, the Department of Education, XXXX, XXXX XXXX, XXXX Bank, and other entities have caused financial and emotional harm due to gross misrepresentation. I reserve the right to file an FTC identity theft claim and escalate this matter through legal channels if necessary.
Product: Debt collection

Transworld system INC start a reporting a collection on my credit report & reported that I open an account XX/XX/XXXX, and I owe a balance of {$790.00}. 

On XX/XX/XXXX. I wrote a letter to that company asking them to please validate this debt as I never did business with this company and don't have any unpaid accounts as of XX/XX/XXXX. 

The company failed to reply to my inquiry within the 30 days timeframe. I then wrote a second letter on XX/XX/XXXX, showing proof of my previous letter and ask them to please show proof that this debt belongs to me under the fair debt collection practice. I have a right to request validation of a debt that a company is saying I owe. The company still Failed to respond to my letter and validate my debt. I reached out to the credit bureau asking for their help, and they also failed to do the due diligence and just stated that the debt was validated with no proof. I even submitted proof that I did in fact, wrote XXXX letters to Transworld. 

With growing frustration and my need to get this negative inquiry off my credit report, I reached out to Transworld and ask them to validate the debt. They said that they can not validate the debt and that I owed debt. I asked them well since I don't debt, I'm willing to pay {$350.00} settlement on a debt that I don't owe. On XXXX the rep I spoke with agreed. On XX/XX/XXXX I sent a money order to this company and then as of XX/XX/XXXX they return the money order saying that it was a miscommunication and they still don't have to validate the debt And I owe {$750.00}. This company it's very deceiving unethical you can never speak to the supervisor most of their representative do not have a clear understanding of what's going on because the service is outsourced. 

I have yet to receive proof that I owed is debt and although I try to clear it off because it is ruined my perfect credit rating and is delaying the process of me closing on my first home. 

Why is this company allowed to illegally report and try to collect on the debt and also be deceiving in the process. This info is incorrect and illegal
Product: Checking or savings account

I went to my local branch on XX/XX/2023 to deposit my IRS Tax Refund Check into my account. I received an email on XX/XX/2023 at XXXX XXXX  stating that, " A review of the check ( XXXX ) deposited into your account on XX/XX/2023 indicates potential suspicious activity. For your security, some restrictions have been placed on your accounts. ". On XX/XX/2023 I called Navy Federal and got transferred to security where I talked to an agent. He stated that he just got off the phone with IRS XXXX Internal Revenue Service ) and they said that it wasn't my check and it was a fraudulent check. I called the IRS XXXX Internal Revenue Service ) gave the agent my personal information and she told me that she seen where the check had been deposited into an account and that it was my check. I also received a bank statement on XX/XX/2023 showing that the check was deposited into my account.
Product: Credit reporting or other personal consumer reports

Among this information there are late payments and I have never paid late. There is also incorrect information and accounts with incorrect information. I want these accounts to be reviewed and the incorrect information eliminated. 

XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX
Product: Mortgage

After sending a formal complaint with the CFPB back in XXXX, the company that is servicing my loan number XXXX, SPS, decided to offer us a loan modification. I asked multiple times what type modification could SPS offer and I was told that we had to pay three consecutive payments in a Trial Period from XXXX to XXXX before sending a definitive proposal. Today, we received the loan modification agreement which is not sound, looks blatantly illegal and financially abusive. When we applied for a loan modification we properly informed SPS that my husband is battling XXXX and we needed to lower our payments but we were denied refinancing due to a high debt ratio. 
Today, this unscrupulous company named SPS presented its offer, asking us to extend the length of the loan 8 more years, which sounded acceptable, PLUS PAYING, an additional balloon payment of of XXXX at the maturity date which is overly abusive. IF THE LENGHT OF THE LOAN WAS EXTENDED A BALLOON MUST NOT BE APPLIED. 

If the loan was extended an additional 8 years, overcharging a person with an extra balloon payment is basically usury. I am also requesting a detailed explanation of all the money disbursed during the trial period and how this money was applied to the escrow account and the principal and interests.
Product: Debt collection

YOU HAVE MY PAYMENT / CURRENT PAYMENT STATUS IN COLLECTIONS CHARGE OFF I NEVER RECICVED NOTICE THAT I HAVE A COLLECTION ON A SOLD ACCOUNT PLEASE VALIDATE THE COLLECTION YOU SOLD ACCOUNT HOW CAN I BE IN COLLECTIONS
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

EQUIFAX has failed to properly verify my identity in order to obtain my credit report/score. After numerous attempted during the course of several weeks, I have contacted EQUIFAX 's customer service to resolve this issue. I provide the representative with all the information they request, and still can not solve the problem. 

I have mailed copies of the documents they have requested ( Driver 's License, Social Security Card and Utility Bill ) and no matter what I do, they can not fix the issue. My EQUIFAX report can not be accessed by anyone including myself. This presents an issue as I'm in the process of purchasing a new vehicle. Since creditors can not access my report, they will automatically deny me, which further adds to the burden of making a large purchase. 

Additionally, since I do not have access to my report, I do not know what is being reported. If there is any information on my report that is currently erroneous or incorrect, I would not be able to dispute it. 

I've attached all the documents EQUIFAX asks every time I call with hopes that this problem gets fixed.
Product: Debt collection

I filed a FTC Report Number : XXXX because victim of Identity Theft and followed the plan FTC had and it did not help. 

I wrote a letter to Synchrony Bank on XX/XX/year>2023. 

I sent a follow up letter to Synchrony Bank on XX/XX/year>2023 because I did not receive any response. 

I sent a letter to the credit bureaus and have tried online disputes I did not receive any response or verified with no documentation. 

Synchrony Bank is now Ally Lending
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit report, see attachments
Product: Debt collection

On XXXX after receiving an alert regarding an account appearing in my XXXX credit file, I immediately contacted midwest recovery systems regarding a debt from a Mastercard claiming that owe {$670.00} I explained to the representative I never owned a mastercard and that I had been a victim of identity theft. I asked the rep whom did midwest recovery systems purchase the debt from which he insisted the debt was owned by a company named XXXX XXXX etc. In addition I informed the rep on the phone I never received any initial 5 day notice from the owner of the debt nor any correspondence regarding this debt which is another violation of FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a class action lawsuit against this company and this account should be deleted from my report.
Product: Credit reporting or other personal consumer reports

I have made a reports On identity theft.gov, I have multiple hard and soft inquiries on my credit report that I have not applied for. Also have addresses that are not mine and my birth date is listed as XXXX when I was born in XXXX. My information was leaked in two data breaches, XXXX and also Experian. If you could please assist.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Mortgage

I was offered a permanent modification with my first payment due XX/XX/2021 with this payment being made XX/XX/2021 and they posted it XX/XX/2021, there was no payment due for XX/XX/2021, my mortgage company Lakeview AKA XXXX XXXX has continue to report me more than 30 days late for each payment this year. All my payments this year were paid the XXXX of the month or before in the month it was due. I notice the reporting late XXXX early XXXX. I reached out to them and made a dispute. In XXXX they corrected XXXX XXXX XX/XX/2021. On XX/XX/2021 I called them and spoke with XXXX and advise her that XXXX was still being reported as more than 30 days late, she advise dispute was still open and by XXXX they will have an update. As of XX/XX/2021 I received notice from the credit agency stated that not only did they not correct XX/XX/2021 incorrect reporting, but now they have reported XXXX XXXX as late again. On XX/XX/2021 I called spoke with someone name XXXX provided her with details as to why I'm calling she placed me on hold for about 8-10 minutes then disconnected the call ( she did not attempt to call me back ). I called back and spoke with XXXX who advise me he would need to transfer me to Loss Mitigation nothing currently resolved as I have now been on hold for 26 minutes.
Product: Credit reporting or other personal consumer reports

Hello, while checking my most recent credit report, I noticed incorrect names and addresses that I did not authorize, made by the following companies : TransUnion. 

The following addresses are mixed up with someone else and need to be disputed and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As well as the following name variations are incorrect and need to be removed ASAP : Also known as XXXX XXXX XXXX XXXX XXXX XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I went to XXXX XXXX XXXX in XXXX, Georgia to buy a used car. I was initially offered a XXXX XXXX XXXX with XXXX miles on it. I was told that it cost $ XXXX. The dealership went very briefly through the contract, making me sign and initial it. I paid $ XXXX down. I was given a loan through Exeter Finance because I had no credit. I agreed, half-heartedly to pay the exorbitant fee of {$590.00} a month for six months because I could build credit and refinance at that time. However, XXXX XXXX XXXX took a $ XXXX loan from Exeter, stating that this included all fees. I was told that the $ XXXX I put down would go towards the interest of the car but it has not impacted the total cost. I contacted Exeter Finance several times about lowering the exorbitant 28.73 % interest rate, and was denied refinancing or lowering the rate. I have paid {$590.00} a month for 13 months and only {$790.00} of that has gone towards the principal. I still owe almost $ XXXX for the vehicle. 

One year later, I went to the dealership, who conveniently sold the dealership to XXXX XXXX XXXX in XX/XX/XXXX, one month after I purchased the XXXX XXXX, and was told that although my credit improved " XXXX per cent '', I had to wait another six months to refinance. I have requested many times my paperwork but no one has sent it and my requests are ignored. I don't know what to do. I can not afford to continue these payments every month. I feel imprisoned to this debt that is never ending. I need help.
Product: Credit card or prepaid card

A couple of months ago, I asked Discover card to raise my credit limit. Discover card Associates kept making excuses why they couldnt raise my credit limit also they were telling me that I have serious delinquencys on my credit. One of the associates that I spoke to told me that my credit score was XXXX. So I dont know where he got that from. They said they have there own credit bureau. Thats how they judge you on your credit score not the three bureaus XXXX, XXXX, and XXXX. I spoke to several people about getting the credit raise but they would not raise the credit limit. So I reached out to the executive office XXXX. He had an executive lady from his office reach out to me and she told me that they was not gon na do it and never really gave a decent or intelligent answer on why. So I asked to speak to someone else about the situation in the executive office they wrote me a letter by email stating the same thing. So never did get any  resolution to this problem. Then three days ago, I received an email stating that they were going to close my account in 30 days from the date of this email also they were going to lower my credit limit. So once again, I reached out to the executive office XXXX. To get this problem resolved. XXXX had this lady call me. As soon as I started talking with this lady she was very rude and Disrespectful. So while we were talking she started telling me that yeah we did an investigation on you and matter fact we did another one on you just lately. I said well what was the investigation about. So as I proceeded to started Talking about this subject. All of a sudden she says is there anything else that I can help you with. I told her I wasnt even done with the conversation. So no theres nothing else you can help me with. She stated you have some serious delinquencys. I said I look at my credit report daily what are you talking about. Then she stated, you havent did any Activity on  your credit card in six months.

( Within the last six months we have been in COVID 19 ) This is  almost like a situation with a landlord and a tenant. The tenant is not able to pay at this moment ( Due to pandemic ) and the landlord Gives the tenant eviction notice out of Spite. 

I Told her most credit Card company dont closed your account within 6 months. For no activity. 
I spoke to another associate before I spoke with her. He told me that it had to be no activity in 10 months. I ask the CEO ( XXXX ) of  Company will they send me the disclosures that I sign at the time. About the 6 months inactivity will terminate your account. Also, the serious deficiencies that they see in their own credit bureau. I would like The consumer Financial bureau to investigate what type of Credit bureau is discover going by. Because they have stated several times that they do not go by XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax credit report one address that is on my credit belongs to my aunt. <P/>XXXX XXXX XXXX XXXX XXXX, PA XXXX That address belongs to my aunt DOB is showing XX/XX/XXXX My DOB is XX/XX/XXXX
Product: Debt collection

XX/XX/2018 @ about XXXX call requesting a VAlidation of debt and collector refused to send it out because she stated she is unable to send it because it was already sent. Also wanted itemized statement refused to send it out. And them to answer my question they stated that I want get anywhere talking to them like that. She was very rude and unprofessional.
Product: Checking or savings account

I logged in to my online banking with TIAA Bank today and noticed that my XXXX XXXX checking account was closed. The account had been open for about a month. No reason was given by the bank as to why the account was closed by the bank. I asked the bank why the account was closed and received no response, so I am still unsure of the reason.
Product: Debt collection

Payliance deleted this account over 2 years ago when I proved I had no such returned check for this amount ever. I want this deleted ASAP as they are reporting false information They are reporting a returned check for {$170.00} on XX/XX/XXXX I never wrote
Product: Credit reporting or other personal consumer reports

Here to establish this party having full faith and credit, to nearly any amount of debt tendered. 

Please see attachments. 

With substantiated facts, I place a postage stamp backed by gold, with my endorsement across diagonal, dated XX/XX/2024 XXXX : no dashes, pursuant to being alive, living, flesh and blood, repudiate signatures, power of attorney and any contractual obligations I didnt not knowingly, willingly and intentionally commit to. 
The facts of international bill of exchange will tended all debts, and pursuant to 12 U.S.C. 411 alongside a host of codified notations, as well as treaty benefits expressed pursuant to w-7 and sf-181 forms completed. 

XXXX XXXX
Product: Vehicle loan or lease

Payment was sent in XX/XX/2023 for {$12000.00} and they applied all to principle and they started reporting my payments as late payment and attempting to collecting full payment and not just interest. This has ruined my credit.
Product: Credit reporting or other personal consumer reports

Hello, I am a victim of identity theft, there are XXXX cards with amex opened on XXXX XXXX XXXX  and XXXX XXXX XXXX. Those credit cards were opened fraudulently, I spoke with amex and told them that those accounts are fraudulent, but they still appear under my name in credit reporting agencies.
Product: Student loan

I have been regularly making an online payment of {$40.00} a month to ACS Education Services for a number of years. However, when I went to make myXX/XX/XXXX payment I could not access the website using my regular login information, instead getting an error message saying that my information was " incorrect, '' which it was not. I tried multiple times at various times of day over the course of the next weeks to login to the system. Eventually I even tried resetting my login information but when I would do that I would get yet another error message. I also tried calling into the ACS directly, but would be left waiting for a representative to answer the phone so long that I would have to move on with my work. Finally, on XX/XX/XXXX, I called the company again, this time waiting over 30 minutes for someone to answer the phone. When a rep finally answered I was told that, yes, there was an ongoing issue with their system and it would only work with certain browsers. This was something the company clearly knew was an issue, yet there was no indication anywhere on the site that it could only be accessed with particular browsers ( which in all the previous years I 'd used the site had never been the case, thus it never did occur to me that this might be the problem -- I thought the issue had something to do with my login credentials specifically ). I was ultimately able to login using XXXX. I asked the rep during my call if I was going to have any late penalties because of this issue and she assured me that I did not and would not. I paid my bill in full that day. However, I recently learned that on XX/XX/XXXX, the day before I finally was able to reach an ACS representative, my accounts were reported as delinquent to the credit bureau. I have worked very hard for years on my credit and I currently do not have any other delinquencies on my credit report other than the two that have been assessed for the accounts I have with ACS, which amount to {$40.00} in total. Thus I now have two adverse accounts, the only two I have, that will be on my credit report for 7 years essentially because I could not login into the website -- a problem the company knew about but did not bother to make customers aware of -- and because, due to my work schedule and inordinately long wait times to speak with customer service at ACS, I ended up paying one day after the accounts were reported. After reviewing my credit report, I did try contacting ACS again on XX/XX/XXXX, and after again waiting more than 20 minutes to speak with someone, was told by the representative that there was nothing to be done.
Product: Debt collection

XXXX and XXXX are reporting that CONSUMER ADJUSTMENT is attempting to collect an alleged debt of XXXX $ .CONSUMER ADJUSTMENT does not have a license to collect a debt in Illinois , hence making this an illegal report. I would like this removed from my account immediately.