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

the XXXX XXXX XXXX XXXX XXXX  in XXXX floridaXXXX XXXX XXXX XXXX XXXX florida XXXX and XXXX florida defrauded hundreds of students who went to their schools in XXXX florida and XXXX Florida in XXXX, the owner XXXX XXXX stole all the students aid loansmoney and XXXX XXXX us dept of education approved loan money up {$10000.00} and never trained the students the owner of the school went to prision plead guilty, the students never recieved training and had to leave the school and was left with student loans debt they never recieved or the school training, now XXXX the us dept education collection agency XXXX in XXXX nebraka still hold students ' like me accountable for student loans we never recieved or got training for, and damaged our credit reports for student loans, we never used or recieved someone need to discharge and suspend all student loans from these schools due to fraud, theft and illegal school activity from XXXX the owner of the school went to prision and the fbi need to be involved and dismiss all collections by the department of education XXXX student loans, also they required you to be able to typing at 100 wpm after you enrolled in their school but did not state this before you enrolled in their schools
Product: Bank account or service

As part of the XXXX upgrade process, filed app with Citizens bank which to my surprise turned me down for a $ XXXX/mth paymemnt despite a XXXX income and a XXXX credit score. Turn down was due to a lien that was opened and shut on the same day, 100 % satisfied because it was a clerical mistake initially and should n't have existed. have n't been turned down in 30 years and the XXXX from XXXX is the lowest of the scores, XXXX with XXXX. Based on internet complaints concerning Citizens Bank, they are simply declining customers for no legitimate reasons.Most likely because they are too small to handle the number of apps they are receiving. This is wrong on so many levels. I have tried to reach the bank officials and they are always too busy to speak and do n't return phone calls.
Product: Bank account or service

Some time in XXXX, I received XXXX fees totaling {$70.00} ( {$35.00} for initial overdraft, then 5 days later an additional {$35.00} ). Upon learning of these fees, I went into my local branch to get clarification on fees process. I requested to terminate overdraft protection on my account and I was told it was done. Sometime in XXXX I received additional {$70.00} for the same reasons mentioned above. on XXXX I contacted the bank for the second time and was informed that the changes I requested were n't made when I initially requested them.
Product: Credit card or prepaid card

XX/XX/XXXX - Approved for XXXX XXXX XXXX for up to {$15000.00} XX/XX/XXXX - No card received Unable to use promotional period
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my current credit report from your bureau, I came across the disputed account, and I don't think they are 100 % correct. Would you please UPDATE this account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a XXXX XXXX through XXXX  on XXXX XXXX XXXX  and a XXXX XXXX case I canceled the order within a few days after ordering and was not told by XXXX XXXX who was the financing company ( 2 years no interest ) that they added a XXXX credit to the account for going through them for financing. Even though I never received the phone and canceled the order they kept billing me for this XXXX credit. I was unaware of this as my XXXX account showed a XXXX balance. Finally, after many calls to a XXXX XXXX customer service rep I was informed that this credit was simply a matter of me telling them to release credit back to them? Due to this unorthodox scheme between XXXX and XXXX XXXX and the fact that they reported this as a missed payment my credit rating dropped by over 65 points. This scam by XXXX XXXX needs to be stopped and any credit that they give the customer on a cancelled order should automatically by removed from the account Please help I have worked very hard to keep my credit rating up in the excellent score range Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax never checked into problems with my account and didn't notify me. They just mark my dispute complete and do nothing
Product: Student loan

I am currently in a program that has never been explained to me and am not paying anything back bc my income is so low. I would like a better explanation of the program I am in and how I am supposed to pay my loans back by a real person who XXXX as as their first language who has more understanding than I do
Product: Debt collection

On XX/XX/XXXX I submitted a debt verification letter to TSI in response to their collections credit reporting of private student loans owned by XXXX. This letter asked for full verification of debt including but not limited to documents showing chain of custody and TSI 's right to collect on the debt. TSI replied back with a packet postmarked XX/XX/XXXX with information showing a loan/request credit agreement -signature page, note disclosure statement and loan payment history for loans taken out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. TSI provided no information showing they had the legal right to collect on the debt by providing chain of custody paperwork showing transfer of custody from the original creditor XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX )  to XXXX XXXX XXXX, and from XXXX to XXXX XXXX XXXX. The CFPB settlement with TSI specifically states that TSI " Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation. ''
Product: Mortgage

My original mortgage was through XXXX XXXX XXXX a subsidiary of Countrywide Home Loans and was a predatory loan. I purchased my home in XX/XX/XXXX  with a jumbo loan from  for $XXXX with XXXX  down and 100% financing on a 30 year ARM  with a 8.5% interest rate on a first and second mortgage.Bank of America acquired Countrywide. I initially fell behind on payments when I was displaced from my teaching job in XX/XX/XXXX as my position was eliminated as a reduction in force.  I was forced to file bankruptcy in XX/XX/XXXX. After my discharge, Bank of America offered a  loan modification instead of foreclosure. I submitted multiple packages for the next two years yet they never actually modified the loan. Shortly, thereafter Bank of America was made to settle on these loans they acquired.  I was included in the class action and received several payments including the loans being forgiven. Bank of America forgave the loans.  I received a letter from ReconTrust stating the loan was satisfied which I verified with Bank of America. I didn't have any more contact with Bank of America. Six years later XX/XX/XXXX uses a fraudulent notary document to assign the deed so they can try to foreclose. XX/XX/XXXX is a subsidiary of Bank of America.The notary on the document XX/XX/XXXX is a suspected robo-signer on several websites helping Bank of America to illegally foreclose on home loans. He is currently incarcerated for fraud, and the notary itself does not exist. I have  the certificate of non fact filing from XX/XX/XXXX County Recorder of Deeds. I have written to DC Recorder of Deeds several times and never got a response. I have spoken with several representatives at DC Recorder of Deeds and their position is that if the document is notarized and "looks" legitimate it is accepted. They have stated to me that they do not verify the authenticity of the documents or their validity. I asked would they reverse the filing and was told a resounding No.  I was able to find out that my loan has a blank note endorsement and anyone can just endorse the note and assume ownership and its all legal. How is this happening? How can DC Recorder of Deeds  assign my home valued at over $XXXX to someone else in a transaction for less than $XXXX bucks? How can Bank of America be allowed to use the law perversely and circumvent the foreclosure process for homeowners? How can XXXX XXXX be allowed to commit fraud using a fraudulent notary to assign the deed to my home to themselves so they can foreclose on a home they are not vested in?
Product: Debt collection

Was contacted by a lawyer representing an apartment leasing company that I had rented from XXXX XXXX to XX/XX/XXXX. They are attempting to collect {$870.00} for XXXX XXXX rent even though I had vacated the property at the end term of the lease. They have threaten to now ruin my credit by not paying them for rent I do not owe them.
Product: Credit reporting or other personal consumer reports

Before XXXX experian closed another complaint but this time there back o the original absurd explanation that addressed ABSOLUTELY NOTHING
Product: Vehicle loan or lease

On XX/XX/XXXX,? I purchased a XXXX XXXX XXXX, from USAuto in XXXX, SC. I purchase a 3 year Service Warranty, at their insistence. It covered large repairs. I have been paying on that so called warranty for 26 months. On XX/XX/XXXX my transmission went out while I was traveling, I took it to two different repair shops, both said I needed a new transmission, costing approximately {$5000.00}. I called the warranty company, I was informed that USAuto had filed bankruptcy and my warranty was no longer valid. I called USAuto/Westlake. I was told the same thing. I have made repeated call to both parties. I was told that I canned get a refund for the money I have paid for an invalid warranty. I am ready to let them repossess this car. I do not have the money to repair it, anything you can do will be appreciated.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX 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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please see the attached dispute letter that was sent XX/XX/2024 which is dated, and time stamped addressing 2 accounts that are reporting inaccurately. The accounts in question are XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( XXXX ). XXXX and XXXX are reporting different dates for the date last active for XXXX XXXX XXXXXXXX. They were notified of this in the letter attached. I contacted the creditor, and they stated that the account was not verified, and all information being reported should be consistent which it is not. XXXX XXXX XXXXXXXX which is being reported by Equifax and XXXX is not accurately reporting. There are different balances being reported with a discrepancy of {$1.00} and the date last active is also inconsistent. The original creditor informed me that there is no balance of this amount, so I am confused why this information is being furnished. Due to non-compliance and obvious FCRA violations I am requesting that the aforementioned account are removed from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are mandated to rectify or expunge inaccurate, incomplete, or unverifiable information within a stipulated timeframe, typically 30 days. It has come to my attention that XXXX is currently in breach of FCRA regulations, as the company has failed to conduct a thorough examination of disputed information and subsequently eliminate the aforementioned data from my credit report. Instead, XXXX persistently reports information that is inaccurate, inadequately verified, and incomplete. 

Upon disputing the accounts with Citizens, it was observed that inaccurate and incomplete information, including but not limited to the date of last payment, reported balances, payments made, and account history, was provided by Citizens. A proper investigation by XXXX would have revealed a recurring pattern of inaccurate reporting by Citizens ' Bank spanning at least six months. Notably, the same Citizens account appeared twice on my credit report for extended periods, with varying account opening dates and balances. It is imperative to highlight that this account, opened in XXXX, is no longer legally valid. 

In a recent dispute, XXXX removed one Citizens account from my credit report, which indicated an account opening date in XXXX and a duration of over 16 years. However, XXXX allowed Citizens to renew this aged debt by presenting the second Citizens account with a " no info '' designation for the date the account opened, accompanied by other incomplete information. This renewal of the account, coupled with persistent violations of debt collection laws by Citizens and its predecessors, has adversely impacted me in various ways over the years. These repercussions include hindrances in employment considerations for the year XXXX, imposition of higher interest rates on financial transactions such as my car loan in XXXX, and disqualification for loans or credit cards. 

It is essential to note that consumer reporting agencies are prohibited from reporting outdated negative information. Therefore, the continued reporting of this loan from XXXX, which has been charged off and renewed for an extended period, raises significant concerns and further underscores XXXX 's non-compliance with regulatory standards. 

Citizens and their predecessors are currently found to be in contravention of the Fair Credit Reporting Act ( FCRA ) as they serve as furnishers of information to consumer reporting agencies. Notably, they are supplying data that is incomplete, inaccurate, unverifiable and includes negative information that has become outdated. The provided information has not undergone adequate and sufficient validation processes, raising concerns regarding its legal collectability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this address as incorrect to Transunion multiple time to no avail. 

Incorrect Address : XXXX XXXX XXXX XXXX TX XXXX My correct and current address : XXXX XXXX XXXX, XXXX TX, XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX XXXXXXXX BalanceOwed : {$120.00} ; XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX BalanceOwed : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Even though XXXX XXXX and XXXX deleted all of the unnecessary info. Equifax is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway. Again they are showing wrong account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. 

Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX  XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX  ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX  ( XXXX )
Product: Credit card or prepaid card

In XXXX of XXXX, I started working with a Credit repair company by the name of XXXX to help me remove some late payments off of some accounts on my credit report. On XX/XX/XXXX I found out when I got a call from our local bank that they had received 35 pages in a XXXX  envelope with my name and address as the sender when the credit repair is who sent it not me. My grandfather passed away on the XXXX of XXXX which I was in XXXX with him until he passed and got this call as I was heading back to XXXX where I live so during this time I didn't think of all the companies I needed to call or who had gotten a letter as well the credit repair company told me that they would not have done this and blamed it on XXXX and we all know XXXX doesn't do that! Since all of this I had to pay {$200.00} to get out of my contract with the credit repair company this has all been a nightmare for me especially after losing my grandfather in the middle of all this. All other companies that got a dispute have been so easy to work with and saw that the dispute was not accurate and mailed me a new card for my protection. But then there is Comenity Bank where I have a XXXX  & Victoria Secrets card for many years with gets the dispute Closes my account on XX/XX/XXXX with out my knowledge no letter, email or phone call at all and apparently you have 7 days to reopen the account which I found out on XX/XX/XXXX that my accounts had been closed I spoke to every person at Comenity to help me with this matter and I just kept getting told they can not reopen my account and to reapply well with what I have going on who is going to approve me NOT MY PROBLEM they should have contacted me all of the other banks did so when I never received anything in the mail or heard from Comenity I thought they either by a miracle didn't receive a dispute letter or did and saw that it wasn't relevant! They should have contacted me my accounts were in good standing who closes good standing accounts with out notifying the account holder if I would have never tried to use my XXXX account I wouldn't have known today that my accounts were closed they need to reopen my accounts this was not my fault and bad business on their end to not notify me through mail, email or by phone there is not excuse for this and now with the closed account status on my credit score will drop! I have no documents to send because comenity sent me nothing and the companies that received letters told me by law they couldn't send me what they received! please help me fix this matter I could only add one card number so I'm sending in another complaint so I can add the other credit card number!
Product: Debt collection

Remex ( Revenue Management Excellence ) sent collection notice back in XX/XX/XXXX and XXXX of XXXX, I sent a debt verification letter for both notices. 

In XXXX Remex ( Revenue Management Excellence ) only sent a copy of a bill but nothing with my signature or any other additional information, instead sent paperwork to the credit bureau to dispute my dispute. 

In XXXX Remex ( Revenue Management Excellence ) sent a collection notice again, I sent a debt verification letter again, got a response XX/XX/XXXX, and was told " because verification was provided multiple times or to provide verification after the 30 -days validation period under 1692 has expired ''.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I made a payment through my credit union bill pay to Bank of America home equity line of credit in the amount of {$600.00} that was never credited to my account even though the check was cashed by Bank of America. I have contacted them online, on the phone, and In Person multiple times since XXXX. 
I have sent copies of the canceled check and statements and still have not resolved this.
Product: Debt collection

Repeatedly call 7days a week all day and night XXXX balance I informed them I had been sick.
Product: Credit reporting or other personal consumer reports

Two separate issues : 1 ) Delinquent Payment Reflected For Debt Not Made Known to me : This debt was not notified to me by the government when I left service to the Army. This was paid as soon as knowledge of the outstanding amount was made known to me. This charge was never overdue and collections record should be removed.

2 ) Federal Student Loan Consolidation Has Resulted In Outsized Reduction to Credit Score : Consolidated loans I have been carrying for over 10 years, with no additions, and this simple act has reduced my credit score, across reporting agencies, by > XXXX XXXXXXXX These are the same loans, which have always been in a paid timely status, so I am shocked at the punitive negative impact inflicted by following Biden administration guidance to consolidate. Please investigate how these changes are justified and request adjustment to reflect actual risk adjustment incurred under IDR plan.
Product: Debt collection

This complaint is for Navy Federal Credit Union ( NFCU ) ; I am also including the consumer reporting agencies in the complaint so that they may mail my complete file pursuant to 15 USC 1681a ( g ). There are two accounts Navy Federal Credit Union continues to report knowing that information is inaccurate and not reportable by Law. NFCU is infringing on my right to credit. NFCU is violating the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, and The Fair Credit Reporting Act. I have sent a cease and desist to NFCU and they continue to communicate with me in regards to the alleged debt via mail, email, and my consumer report. NFCU has not validated the debt pursuant to 15 USC 1692g ( a ) and continue to report the alleged debt after I have advised them that there are billing errors. Pursuant to 15 USC 1692g ( 4 ) validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 10 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue reporting late payments on my account. I have already sent a cease and desist, again this is a constructive notice that, absent the validation of your claim within 10 days, you must " cease and desist '' any and all collection activity of the alleged debt. Be aware that unauthorized use ( 15 USC 1692p ) is identity theft. And I have all of the documentary evidence to support my claims if a complaint with the XXXX XXXX XXXX is needed to be filed.
Product: Debt collection

Their was no collection attempt made to notify me of the balance before placing this account on my credit as a collection. The amount reported to the credit bureau is not correct also the date reported is not correct as well. They are over charging for unknown items. This company does not own the account and my personal information was submitted to a thrid party for collections. Again no collection attempts was made before placing the account on my credit as a collection item.