23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been attempting to make a ~ {$22000.00} payment toward my student loan balances since XX/XX/XXXX with AidVantage. I first made the payment using my online account with my checking and routing number. This is the exact same checking and routing number associated with my account that AidVantage successfully pulls monthly autopayments from. I received a confirmation email with confirmation # XXXX for the amount of {$22000.00} on XX/XX/XXXX. I waited XXXX weeks to allow for processing time, but the funds were not pulled from my checking account and nothing was adjusted on my loan balance, so I called AidVantage. They said they did not know what happened to my large payment. They suggested I call my bank or wait longer for processing time due to high volume of payments. I called XXXX Bank, and they said they have no record of this payment at all on their end. They also assured me that they would have no issue processing this payment as the funds are sufficient and that the account and routing numbers are correct. They said I did not need special approval for this amount. They said this is an issue on AidVantage 's end. I called back to AidVantage after more time passed and the payment still had not processed. They could not tell me where the original payment went, but they suggested I make a new payment over the phone. I paid over the phone on XX/XX/XXXX. I received a confirmation email with confirmation # XXXX for the amount of {$22000.00} on XX/XX/XXXX. They assured me that this method would be successful. I waited XXXX weeks to see this reflected on my account, and nothing ever changed. I called back again on XX/XX/XXXX. I spoke with a variety of people regarding my issues, called XXXX Bank again to verify that there was no issue on the bank 's end, and ultimately spoke with a supervisor. The supervisor, XXXX, processed a new payment over the phone for a total amount of {$22000.00}. I again received a confirmation email and confirmation # XXXX on XX/XX/XXXX. It is now XX/XX/XXXX, and I had to call AidVantage again because nothing has been processed. They said they will have to conduct an investigation to see what is happening to the missing payments. I will receive notification on XX/XX/XXXX regarding the status of the investigation, but they also suggested I mail in a check for {$22000.00} to resolve the issue. I do not feel comfortable mailing a check for that amount. The checking and routing numbers are successfully associated with my account, and they draft regular monthly autopayments from the exact same account. I do not understand why they will not process the ~ {$22000.00} amount to clear some of my loan balances. I am accruing interest every day on these loans, and it has been incredibly frustrating to receive no explanation or assistance with this from AidVantage.
Product: Debt collection

I am writing to formally demand that you cease all communication with me, whether by phone, mail, email, or any other means, regarding the above-referenced account. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants me the right to request that a debt collector stop contacting me. 

Furthermore, any further attempts to contact me, including but not limited to reporting this account to credit reporting agencies, will be considered a violation of the FDCPA. In XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), the court held that reporting to credit bureaus is considered a medium of communication subject to a cease-and-desist request under the FDCPA. Therefore, if you continue to report this account to any credit reporting agencies after receipt of this letter, I will pursue all available legal remedies. 
Please be advised that failure to comply with this demand may result in legal action being taken against your company, and I will seek damages and attorney 's fees as provided under the FDCPA. 
I trust you will honor this request promptly. If you believe you are not the appropriate party to receive this notice, please forward it to the correct party and provide me with confirmation.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX - Account XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX  XXXX XXXX XXXX : {$2400.00} ; XXXX XXXX XXXX XXXX XXXXXXXX : {$4000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$9000.00}
Product: Debt collection

Got a call from USI Solutions , Inc but did n't answer. Did a little research and found out they are junk debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$230.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$410.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; USDOE/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} ; 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, NV XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX, CO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a XXXX  loan balance from XXXX with the most recent balance from XX/XX/XXXX. The loan was transferred to XXXX on XX/XX/XXXX and was forgiven on XX/XX/XXXX. Ive disputed the balance three times and each time provided more information. In the last dispute I provided a copy of the notice of the loan transferring, a copy of the notice that the loan was forgiven, and copies of screen shots of XXXX website showing a XXXX balance and a copy of XXXX showing a XXXX balance. My credit report appears as if I have {$98000.00} in debt that I dont have. Each time they close the dispute and the only change is a note that I disagree.
Product: Consumer Loan

I have a missed payment on a loan that is my ex-wife 's double wide. She got the double wide in the divorce. The loan company would not allow her to refinance due to her credit. The judge put an order in that no matter what her payment history was, it could not affect my credit. That has been 15 years ago and she has been late on a regular basis. The loan company has just started putting it on my credit. Please help. I have worked very hard to get my credit good, and no it is poor.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX {$210.00} BALANCE XXXX XXXX Date opened XX/XX/XXXX {$350.00} BALANCE XXXX XXXX Date opened XX/XX/XXXX {$150.00} BALANCE XXXX XXXX XXXXXXXX opened XXXX XXXX, XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXXXXXX XXXX XXXX XXXX XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) XXXX In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. XXXX ] XXXX  XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

Prior to my acceptance in the school, XXXX XXXX was known as XXXX of the strongest and most elite schools in the country for XXXX  education. The admissions representative used the prior elite level of the school in convincing me that it was the right decision for me. Unfortunately, in the years prior to my arrival, the selectivity and elite status of the school had been tarnished. During the ownership by XXXX XXXX XXXX, the admissions skyrocketed and the level of quality in education went down. I thought I was accepted on the strength of my portfolio and experience, but it later came out that they were accepting anyone who was willing to take on student loan debt. I was mislead continually through the student loan process about work placement rates, ability to pay back student loans, and the quality of education I would be receiving. I attended XXXX XXXX from XXXX, XXXX to XXXX, XXXX. 

I am a class member in the the class action lawsuit " Sweet v. XXXX, '' where the Department of Education has listed XXXX XXXX in Exhibit C which was labelled in court documents that attendance at one of these schools justifies presumptive relief because of strong signs that they carried out misconduct.
Product: Debt collection

To whom this may concern, I sent a debt validation letter to Jefferson Capital System on XX/XX/2021. In which I never received a response back, yet they are still reporting to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making requests to further investigate the accounts referenced in the attached letter for the last 3 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA.

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Mortgage

We paid our mortgage on time each month. In XX/XX/2019 our mortgage was withdrawn {$500.00} more than any prior month, without notice, without statement, without letter. We called mortgage company and thats where horror started. 
They first confused us with wrong account and said theyre surprised our house is not foreclosure etc ... 
then they kept telling us wrong amounts, wrong balances, negative on escrow ... 
We finally received refund for overdraft and we thought all errors are fixed but next statement showed again charging us {$500.00} more than it was authorized or communicated with us. 
Mortgage company said they mailed out escrow analysis but to wrong address? 
Not a single representative was able to explain our balance, charges or escrow. 
We spoke to XXXX, XXXX, XXXX ... last phone call today at XXXX XXXX Eastern time. Previous phone call yesterday at XXXX XXXX  eastern time. We have phone call logs. 
They still dont have our amount accurate and they changed our payments without providing us escrow analysis as we requested multiple times. 

We requested two weeks ago every paper regarding our account, payments and escrow so we can escalate as we already seeked legal help. We are requesting full investigation. They are still not providing it. We continue to hear from different people that is not my department and that takes time. 
All solid lies. Zero trust, zero confidence in them. 

Awful customer support, zero knowledge zero professionalism. We are beyond harassed.
Product: Checking or savings account

I always keep track of my spending and know how much I have in my account. I never authorized bbva to pay everyday debit card transactions. If I didnt have enough it shouldve declined the purchase but it didnt. So they reordered my transaction causing my account to go negative. My posted balance - {$2.00} and I was charged an overdraft fee of {$32.00}. This happened to me many many times and they refused to refund. I have no choice to to ask CFPB to step in and help me resolve this.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the following information regarding inquiries be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit ( 2 ) Insurance, ( 3 ) an application for employment, or ( 4 ) a court order. 

The following inquiries are not related to one of the allowable purposes, as I have reiterated from the Fair Credit Reporting Act. 

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: Mortgage

I was quoted for interest rate of cash-out refinance with 4.125 % interest rate and XXXX. Therefore, I cancelled the mortage loan with XXXX XXXX XXXX that was almost closed in beginning of XXXX XXXX approved and ready to close ) to go through the loan with Loan Depot since I saved paying XXXX loan point. The loan officer from XXXX XXXX XXXX informed that he could not match the pricing that Loan Depot offered me and so I should move forward with Loan Depot. The loan officer from Loan Depot ( XXXX XXXX XXXX also informed me that the appraisal that I had with Mega Capital Funding could be used in Loan Depot since it was not from XXXX XXXX XXXX the exception company not allowing transfer of appraisal ). However, later he informed me that the previous appraisal could not be used and I had to pay for the new ones ( XXXX appraisal for XXXX refinances ). I did not complain about it and just paid for both. After appraisal was completed and the loan was approved, XXXX XXXX informed me that he quoted me single family resident and the loan point increases to XXXX point in order to close. I informed him that this is not my mistake, but his, and so the company should pay for it. He refuses. 

I also have another loan with Loan Depot that I cancelled from XXXX XXXX XXXX to go through with Loan Depot ( 4.125 % and XXXX loan point ). I did not hear anything back regarding this loan and the loan agent might pull the same trick by increasing the loan point.
Product: Credit reporting or other personal consumer reports

Hi, I had a legal name change and have attempted to update the name on my credit report multiple times, but each time, Equifax does not update my name. Every time, I get asked for the same information I have already previously provided, and the name on my credit record does not get updated. 

XX/XX/XXXX : Submitted dispute online ; Equifax asked me to mail in a paper dispute XX/XX/XXXX : Submitted dispute online ; Equifax asked me to mail in a paper dispute XX/XX/XXXX : Submitted dispute by USPS First Class mail ; no response XXXX/XXXX/XXXX : Submitted dispute by USPS First Class mail ; no response XX/XX/XXXX : Submitted dispute by USPS Priority + Certified Mail ; received a response asking for documentation that was already sent XX/XX/XXXX : Submitted dispute by USPS Priority + Certified Mail ; received a response asking for documentation that was already sent XX/XX/XXXX : Submitted dispute by USPS Priority Mail Express in parallel with submitting this complaint Please update the name on my credit report and remove my old name from my credit report. My name has already been updated with all my open accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update : XXXX took one small action to address the Identity Theft related hard inquiries on my report. EQUIFAX XXXX XXXX FAILED TO TAKE ANY ACTION WHATSOEVER. 




I have submitted a number of complaints here but I have been holding off on my complaints against the credit reporting cartel for some time now, simply because I dont even know where to begin.. XXXX, Equifax, XXXX and their executive branch, the Consumer Data Industry Association , which allows them to skirt anti-trust and monopoly laws by calling itself an advocacy group and not the steering committee of an industry cartel, which is exactly what they are - a criminal cartel. How the XXXX is this industry allowed to continue operating??? They lose half the countrys PRIVATE personal data which we never consented to their having and selling, at least knowingly, and then when it is not accurate they make it IMPOSSIBLE to get them to correct it through any means- so your score goes down and the amount of work it would take to get it removed is more than reasonably plausible when co considering that efforts must be repeated at least three or four times across the three plus CRAs. This is an extortionate business by design and they stole their boost credit idea from smaller companies who were doing the same thing except not just as a disingenuous PR campaign. WHERE ARE THE CLASS ACTION CHECKS?! The gift of free credit monitoring, now expired, was frankly insulting, The damages awarded were pathetically inept compared to the scale of the crime and even that paltry obligation was not honored by XXXX. Or Equifax. I was impacted by both data breaches and have received nothing from either company except more abuse and defamation based on faulty data and a total lack of oversight or accountability. So my credit then being sub-prime -.I had to ask a LOT of different lenders for credit to find anyone who would work with me, resulting in a massive number of hard inquiries on my report, further lowering my credit score. Then, the CRAs refuse to investigate or remove even those inquiries you didnt authorize, even upon the receipt of a certified letter demanding such investigation. They straight up refuse to obey the law and make no effort to avoid destroying peoples lives whatsoever. This criminal cartel must be SHUT DOWN!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX This complaint involves Experian and their failure to remove an incorrect account as noted above. 

I have never had an account with XXXX ending in XXXX. At one time this some account was reported on all three CB 's ; however, after contacting XXXX and XXXX  informing them this was not my debt they both removed. 

Not so with XXXX ending in XXXX, I have repeatedly requested evidence of the debt which they have have not provided because I have never had an account with XXXX ending in XXXX and Experian upon written request has not removed incorrectly reported account, nor provided evidence of debt because they are unable to due not business relationship on my behalf with XXXX for an account ending in XXXX. 

Experian has failed to adhere to law related to credit reporting, fairness to the process and performed poorly as corporate citizen in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review my credit and there is XXXX unauthorize inquiries on my credit reports with XXXX, Equifax, XXXX.
Here is the list of Hard Inquiries 1.XXXX .dated XX/XX/XXXX.
2.XXXX XXXX.XX/XX/XXXX.
3.XXXX XX/XX/XXXX 4.XXXX XXXX. XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX  XX/XX/XXXX 9.XXXX XXXX .XX/XX/XXXX 10.XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX