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

I reached out to the company to settle an account with an offer. I did not believe i owed this amount or any amount at all and have disputed the account many times to the CRA 's XXXX agree to remove the account, however the account was subsequently reinserted I was force to negotiate as I'm trying to make a large purchase .My account assigned as account XXXX XXXXXXXX by XXXX XXXX I have never signed any contract with this company. I sent an offer of {$130.00} to XXXX via pay processing center in XXXX, MA. as designated. Along with the payment, I attached an agreement that identified the payment as contingent upon an agreement to settle the account in full and discontinue reporting any negative information to the Credit Bureaus. The payment was received and processed initiating an accord and satisfaction between myself and XXXX. The following contract and agreement was written clearly on the front of the payment tendered : " By Endorsement By accepting and cashing you agree to Report this account and any debt it holds as " paid in full '' and remove any negative information about the debt being reported to Transunion, XXXX, XXXX credit bureaus. Deposit or cashing of this payment will constitute a satisfaction and acceptance of this agreement. '' This contract law is based on UCC 3-311, which states that by simply accepting the payment as the accord, satisfaction is reached. XXXX contractually accepted the new agreement and has breached contract by continuing to report this negative account to the Credit Bureaus. I contacted XXXX several times to inform them of this issue, including sending a cease and desist letter via certified mail directly to XXXX XXXX and XXXX XXXX XXXXXXXX and fax. they refuse to honor the contract.
Product: Mortgage

I went to local branch to pay off my mortgage and they said they could not take my payment. So I called the XXXX number received a payoff amount ... bought a cashiers check for {$7.00} bucks and mailed the payment with letter to the PO Box . 
Three days later I received a second pay-off letter with a different amount. So they are returning my check because of their mistake. I called to get the new payoff, and then they charge me {$15.00} bucks to fax the payoff letter. On top of that I have to buy another cashiers check due to their error. 
I have documentation of all this if required. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters out on XX/XX/2023 ( certified ). I told the credit bureaus to investigate every piece of information on the accounts I have listed below. I have attached the letters I sent and the tracking numbers. 

According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is aquatinted or may have knowledge concerning any such items of information. 

They stated that they are unable to verify if the letters were being sent by me. However letters were sent certified. Every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA USC 1681 Everything must be 100 % accurate. 

Tracking numbers : XXXX, XXXX Accounts : XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, XXXX, Account # XXXX
Product: Checking or savings account

On XX/XX/ I submitted a claim ( claim # is XXXX ) with my bank Wells Fargo as there was 3 charges from XXXX of {$230.00} totaling to {$690.00} I did not approve. I wanted these charges reversed I did not authorize this sell in my checking account. I reached out to XXXX and confirmed from them that these charges were never made in my account ( XXXX account ). Please see attachment below named " XXXX Customer Service '' for proof from XXXX that I myself never made these purchases. 
On XXXX My claim was cancelled by my bank Wells Fargo and I called the claims department to reopen the case. They made me send an email to XXXX and reopen, within the email I also attached the same email from XXXX you see attached to this complaint below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX 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: Debt collection

Recently started my credit building journey in XX/XX/XXXX upon disputing accounts and claims on 2-attempts from XXXX XXXX XXXXXXXX orders I discovered a bunch of unauthorized accounts. I spoke with fraud /collections department about finding out about account from such disputes they created an account so I would get an email for any notifications I got on for a payment XX/XX/XXXX they are still reporting the late and the amount is incorrect. They collections department said to get a notarized letter signed which I have thats stated it was a XXXX XXXX XXXX family member who was buying unnecessary things out of their magazines. They had been paying on them for years I was unaware until I disputed the accounts and they were frozen upon this action my family still has been paying but because of the unauthorized accounts XXXX XXXX has still been taking the payments but still reporting them late and incorrect account balances
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2024 I received a letter from your company stating that the item I disputed has been up-dated with new information. Well, after carefully looking at my credit report, I dont see what has been updated, and I dont think that was the reason for my dispute. Im a bit confused here. Please tell me what has been updated? For example, has the balance on my account changed? Was the late payment indication on my account removed? What has been updated? If your company cant fully disclose what has been updated, then I need you to re-investigate the item that I disputed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each day your company refuses to investigate the incorrect item is causing me stress. Im asking you for a second time to please investigate the negative accounts listed above. 
I think 30 days should be long enough for your company to complete this investigation.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported my nonpublic personal information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from the institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I am requesting the method each consumer reporting agency use to investigate this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I did not authorize these inquiry requests.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent account on my report please remove these account from my report they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts reported to Transunion under my name : 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 XXXXXXXX I have requested an investigation and removal of these accounts but no action has been taken. The entities are in violation of 15 US Code laws, specifically 15 USC 1681s-2 and 15 USC 1691N .

I urge immediate intervention to resolve this issue and hold the entities accountable for non-compliance with the aforementioned US Code laws. 

I have provided an attachment of what is wrong.
Product: Credit reporting or other personal consumer reports

This is my follow-up complaint regarding my initial complaint dated XX/XX/year>. The following accounts contain significant reporting errors and need to be investigated immediately to ensure my credit record is accurate : Experian : XXXX XXXX XXXX Balance Owed : {$7700.00} XXXX XXXX  XXXX Balance Owed : {$4900.00} -- -- -- -- -XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX  XXXX Balance Owed : {$4700.00} -- -- -- -- XXXX : XXXX XXXX XXXX Balance Owed : {$7700.00} XXXX XXXX  XXXX Balance Owed : {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, from my understanding under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. 

Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX
Product: Mortgage

The principal balance on my mortgage was more than what it should have been by XXXX dollars. I had to take XXXX customer service agents through all of the payments - and still they would not agree to change the principal balance. Now the process has been forwarded to the executive office, where i am hoping that this issue will be addressed. 
If this happened to me - then it could be happening to millions of folks. Mortgage accounting is deliberately made complicated so that people wont be able to understand. This needs to be fixed.
Product: Debt collection

I opened an auto loan account with Veros Credit in XX/XX/XXXX to purchase a vehicle. The initial balance was around {$12000.00} for a 5 year repayment term. After paying for at least $ 500+ a month for 18 months, a total of {$9000.00} in total payments, the vehicle was repossessed in XX/XX/XXXX. They tried to collect for {$11000.00}. I was only given {$1000.00} in credit for the total payment I made in those 18 months. I sent a debt validation letter demanding an itemized deduction and justification for the collection amount and I was ignored. Veros Credit is committing robbery. I demand a debt validation response from Veros Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft on my credit report!
Product: Bank account or service

My XXXX account was hacked on XX/XX/2016. XXXX sent me an email stating that there had been unusual activity ( which was someone logging in from New York ) and they deleted one of my consumer accounts but also made a payment from a checking account that was linked to paypal and made a payment to my paypal credit account. PNC was closed in observance of the holiday on XX/XX/XXXX when this all occurred so I called them first thing this morning. I spoke with an agent by the name of XXXX who said that the pending unauthorized ach transaction could be canceled but the merchant would have to call XXXX. I called XXXX and the representative with paypal whose name was XXXX and I called and was told that the number we were given was for debit card transactions so they gave us the number for general customer service. Called and spoke with a XXXX who stated the pending ach transaction in the amount of XXXX could n't be rejected it had to post first and then I would have to call back and dispute it. The merchant asked if I provided a letter that she had just emailed me could that speed up the process because it definitely was n't an authorized transaction. The agent stated no. I asked for a supervisor. He reached out to his retail escalation who told him we had to wait for it to post. Again I had the merchant on the phone confirming it was fraud. I have a letter confirming it was fraud. If I was a high end customer who had got hacked they would have rejected the ach transaction. I know the ach transaction can be rejected so why should the account be subject to overdraft fees and a waiting process for a dispute that may or may not give a provisional credit. This is so disheartening as a consumer to be violated by a hacker and my bank just brush it off like they did AND on top of that stating to me that I will have to call back. Just ridiculous
Product: Credit reporting or other personal consumer reports

Found items on my report that were 7years old and more. Asked for them to be removed. Equifax response was that I was requesting a reinvestigation into the validity of the account. I called the customet service and was told that it was Equifax policy to keep items they deemed " positive '' on the credit report for 10years. I told them I would dispute because the regulation said 7 years regardless positive or negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX | XXXX never authorized these inquiries. 

XXXX XXXX XXXX XXXX XXXX | XXXX never authorized these inquiries. 

XXXX XXXX XXXX XXXX never authorized these inquiries. 

XXXX XXXX | XXXX never authorized these inquiries. 

XXXX XXXXXXXX XXXX  | XXXX never authorized these inquiries. 

XXXX XXXX | XXXX never authorized these inquiries. 

XXXX XXXX XXXX XXXX | XXXX never authorized these inquiries. 

XXXX XXXX XXXX XXXX XXXX never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX XXXX XXXX XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax report XXXX XXXX loan opened on XX/XX/XXXX and Closed XXXX. I strongly believe that this is an identity theft and I had no connection with above installment loan. I disputed inaccurate information with above companies ; however, I did not receive any satisfactory answer. The only information they have provided is to add a statement on my report. They did not provide information about how they verified the info, what are the sources.
Product: Mortgage

I went in on XX/XX/XXXX to make my mortgage payment through the online payment system for LoanCare , LLC and they blocked out that date not allowing me to make a payment and blocked out the XXXX, and XXXX so I couldn't make a payment and they start charging charging a {$5.00} fee and when trying to call them on Monday to get this fee waived and all number I called sent me to an automated system. I was not able to get a live person on the phone. I don't see how it is legal to start charging a fee when when they go in and block dates keeping you from making your payment. The folks in other departments are not able to hook you up to a live person in the mortgage department. This company needs to be investigated for extortion by blocking dates so you can't make a payment until their fee kicks in. At {$5.00} a person and they have 1000 people that try to make a payment between the XXXX  and XXXX  so they can charge their fee is an extra is an extra {$5000.00} of extortion money. If you have any questions or need anything further please do not hesitate to contact me. Know that I DID NOT take a mortgage out with this company, my mortgage was sold to them so this company is not a company I chose or would have ever chose as I do not feel they are a responsible respectable company. They're crooks at a company that they don't give you a phone number to reach an actual customer service person. Know that I also have a paper trail to prove that I went in on XX/XX/XXXX to make a payment as well as sent them an email to every email address I could find dated XX/XX/XXXX. I went ahead and put a check in the mail today to avoid their {$5.00}
Product: Checking or savings account

XX/XX/20 : I tried logging into account at chase.com ; account locked " due to suspicious activity ''. 
XX/XX/20 : I spoke with individual in what sounds like outsourced call center. He wouldn't give me reason why account closed. He advised that balance will be mailed. 
XX/XX/20 : After requesting, I was transferred to the supervisor XXXX he advised that this incident will not reported to XXXX . He advised the account balance will be sent in the form of a cashier 's check within 8-10 business days. He advised that the only way to get a written transaction record of my account is to visit a local Chase branch in person. He advised that a letter was sent to my mailing address with additional information regarding the account closure ( as of XX/XX/20, I have received nothing in writing from Chase with any information about this incident ). 
XX/XX/20 : I went into local Chase bank- they would not disburse my funds upon my request. Banker called Loss Prevention while I was in the office and was on hold for an extended period of time. Rather than wait on the line with me present, she advised that she would give me a call back with an update ( as of XX/XX/20, I have received no callback ). 
XX/XX/20 : Called 1st time- on hold for 33 minutes then disconnected. Called 2nd time- representative was extremely rude, she transferred me to XXXX- no updates for me. He advised that a decision should be made by end of week regarding IF ( rather than when ) funds will be disbursed. I advised I would take the issue to small claims court if they did not give me my money. 
XX/XX/20 : XXXX advised that the account is still under investigation/under review. I requested a transfer to XXXX or other supervisor. I spoke with XXXX XXXX at XXXX Eastern time, who advised that the check has not been mailed and the issue is still pending ; she was unwilling or unable to give me any timeline for when Chase would send me my funds. I requested an escalation, and she advised that I would be receiving a call back within 48 hours ( as of XX/XX/20, I have received no callback ). 
XX/XX/20 : I went into local Chase bank to get print out of transaction history. As of XX/XX/20, a debit entitled " Debit DDA - Check Charge '' in the amount of the account balance is on account ; neither XXXX nor XXXX XXXX made any mention of this update in the previous call, leading me to believe that Chase has possibly misappropriated my account funds.
Product: Mortgage

My mortgage is with Specialized Loan Servicing. SLS I have had ongoing problems getting them to apply monthly mortgage funds to my account. They are showing as unapplied and unidentified fund? Numerous emails have been sent through their server with responses that make no sence and are unrelated. Also they automatically put my loan in forbearance a second time during covid without my permission or signature and when I wrote them about this they send it was no longer in forbearance. What???? Log back into account still showing forbearance. I am getting no where with them and do not like what they are doing with our money. I have take numerous screen shots as for some reason they company I am unable to print these pages to show proof of what they are doing. I also can not get thru on phone I have taken pictures of wait times. 45 minutes and over an hour with no pick up. I email also and ask for a call back with nothing.
Product: Student loan

Navient, Formerly Sallie Mae, has continuously been an incredible source of frustration for myself and other borrowers.

My complaint is this : When an " overpayment '' is made, the loan interest rate rises.

The associates I speak to have stated categorically that overpayment does not affect interest rates, and yet, when I view the Prime Interest Rate trend history, the rises in my Navient loan interest rates do not match. In other words, I am being punished for overpaying which was not in my MPN.

Additionally, I have on multiple occasions email the company requesting a copy of my ORIGINAL Master Promissory Note and the have outright ignored my requests, simply choosing not to respond. I utilized their emailing system for these requests.

Furthermore, multiple times I have submitted ALL required paperwork to release my cosigner and again I have been completely ignored.

When I call, the customer service representatives act as if they are ignorant of the way they could view the submitted material.

Navient has been sued in recent years for it's predatory tactics and lending practices and I am a victim of this, though I have been paying faithfully for 15 yrs I am still treated like trash from this institution.

In Summary : 1 ) Loan interest rates rise dramatically when any overpayment is applied - this is not associated with Prime Rate trends 2 ) Company feigns ignorance of my multiple request for original MPN ( under Sallie Mae ) 3 ) Company feigns ignorance of my submittal of all required materials for releasing co-signer 4 ) Company overall is predatory in its tactics and mistreats its clients because, basically, it knows it can because no one stands up to them.
Product: Debt collection

NOT AUTHORIZED TO TRANSMITT PRIVATE INFORMATION UNDER FDCPA GUIDELINES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit report and noticed these inquiries on my credit report and they are hurting my score. I 've reached out to the companies to no avail, and I am at the point to where I am going to contact an attorney and file a lawsuit against these companies if they cant and wont remove these inquiries that I have no acknowledgement about