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

This debt was included in a amortization of debt. We filed in XX/XX/2018.  And was a court order payment plan. I have tried several times to get the bank to fix my account. They charged off my account after the court order and sent it to a collection agency. They are breaking the Wisconsin law. The trustee notified citi bank in XX/XX/XXXX about the plan and did accept the agreement. This account should be current since XX/XX/XXXX and not a charge off collection I have spoke with there attorney and was told they have nothing to do with the way citi bank is reporting the payments. He told me he would contact them. Never heard back. I just received a letter from citi they claim they are correct. Not true
Product: Credit reporting, credit repair services, or other personal consumer reports

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Product: Student loan

In 1997 I was XXXX, just had a baby and just received my XXXX I thought the best choice for me would be to get further education. I saw an advertisement for both XXXX tech and The XXXX XXXX of XXXX. I set up tours to both schools. XXXX XXXX XXXX told me that they would recommended that I NOT enroll at that time due to my age and the fact that I just had a baby. I then went on a tour at the XXXX XXXX. I remember the recruiter stating that the only way I can go to school there is if I claim independence from my parents. At the time I lived with my grandparents and they supported me and acted as parents. The recruiter stated that all I had to do is write an essay explaining that I was independent of my parents then their income would not be counted. The recruiter then helped me write this essay so that a loan could be issued. I was in class less than 4 days later. I graduated at the age of XXXX and attempted to find a job. I went on several interviews and was told that I was too young to work around the equipment and that it would be a liability to hire me. The career office never assisted me and I ended up getting a job as a XXXX and never using my diploma. I have yet to have a job in my area of study to this day. I feel that at the age of XXXX I was misled and taken advantage of. I have since then went back to school and was able to find a career in XXXX. Over the years I have told every single loan servicer my story. I have been informed that I was at the age of majority and therefore able to legally sign a contract, even though I was a minor. In recent years the DOJ has sued XXXX XXXX XXXX XXXX XXXX for improper recruiting techniques. There is also a judgement stemming from a lawsuit that recruiters were given incentives to enroll students. I believe this practice is the very reason that I was urged to write that essay and allowed to obtain a loan worth over {$10000.00} at the age of XXXX. Some students are getting their loans forgiven because of this judgment. I fear that I will not be included as my loan was obtained in 1997 which is before the time period of the lawsuit. This is my first step in the process of seeking assistance in this matter. I would like my loan forgiven on the basis that I was a victim of improper recruiting techniques and that I was in essence manipulated to write an essay that was filled with half truths in order for the recruiter to obtain a bonus or increase enrollment numbers. This was not done in the best interest of the student but rather the best interest of a For-Profit college. The recruiters at The XXXX XXXX of XXXX should be held accountable for their actions and my loan should be forgiven. Thank you for any help you can provide in the matter as it is not clear how one would go about applying for debt forgiveness.
Product: Student loan

Despite the fact I inly have one loan payment a month, navient chose to report it when late as not one late payment, but as multiple late payments breaking down my student loans into as many smaller loans as they could report. They literally destroyed my credit history in two months, just in the past month my score dropped XXXX because of their reporting practices. This not only impacts my day to day life, but also my ability to actually repay the loans -- mostly because now I 'm forced to pay higher rent on a XXXX appartment and that means less money a month to put towards anything else.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, it's necessary to expunge any erroneous accounts from my credit report. Could you please assess the documents? Some of the listed accounts are incorrect, which is unsettling for me.
Product: Checking or savings account

On XX/XX/XXXX about XXXX XXXX, I went to the bank drive through window to make a deposit. I sent out XXXX dollars cash to the teller, but when I got the receipt, it showed I only deposited XXXX dollars. So I realized that I made a mistake when I filled out the form, I only wrote XXXX dollars because I needed to transfer my friend XXXX dollars that day so I kept thinking about this number. First, the teller didn't correct the amount for me, secondly she didn't give the XXXX dollars difference back to me, also, she didn't confirm the amount with me. 
I am pretty sure that I brought XXXX dollars cash and I didn't go anywhere before I went to the bank that day. Then I drove back to the bank immediately and went to talk to the teller who processed the deposit for me. She said she didn't notice that the amount on the counting machine when she processed the deposit. She was busy at that time and let me leave my name and number to her, she will call me back when she found the XXXX dollars difference in the cashbox and would refund it to me. So I drove home waiting for her call back but she didn't. I called the bank before it closed, the teller answered the phone and told me she checked the cashbox twice and didn't find my XXXX dollar. I asked her if she check the camera, she said she didn't have the access to it. 
Then I have to call the customer service to find out what should I do. The representative told me only the branch manager has the access to the camera, I should go back to the bank on XXXX to see the manager. When I went back to the bank on XXXX but it is Saturday and the manager was not there. They said I need to go back on XXXX because XXXX is holiday. 
I waited till XXXX and called the branch to speak to the manager. The manager said she needed some time to deal with it and would call me back on XXXX. When she called me back she told me that she talked with the teller and checked the balance on XXXX and she was sure my money is not in the branch and she did all the procedure, also, she didn't have access to the camera. The only thing she can do is to report this case to an escalated department and somebody will call me in 10 business days and they will take from here. 
Here is the whole situation and why I submit the complaint here.
Product: Debt collection

I sent a debt verification letter within the 30 days provided by original letter ( have proof via certified mail and original letter ). However, before sending any verification of debt they reported it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Product: Debt collection

NCA NEVER RESPONDED TO MY VALIDATION REQUEST, THEY ARE REPORTING TWO ACCOUNTS FROM THE REPORT. BOTH OF THE ACCOUNTS REQUEST FOR VALIDATION WERE TOTALLY IGNORED. NEVER GAVE ME A PROOF I OWE THE DEBT. THE DATES ON THE REPORT ARE ALL INACCURATE WITH ALL THREE BUREAUS
Product: Debt collection

To whom it may concern, THE TERMS YOU AND YOUR REFER TO Capital Accounts LLC. 

This document revokes all options for remedy requested prior to the date of the notarizing of this document. 

Attached are the communications, violations, and exhibits for evidential proof. 


BE MINDFUL SOME VIOLATIONS ARE CONSIDERED BOTH CIVIL AND CRIMINAL. 

This is my final plea for remedy, in which, I will proceed with the filing of complaints. Ive recently sent communications, Exhibit B, Exhibit F, via USPS mail, Exhibit G, requesting remedy for the damages caused by your willful act ( s ). I received correspondence in regards to my requests, Exhibit E, stating, This is in response to your letter dated XX/XX/2022, wherein you allege that Capital Accounts violated the law in attempting to collect a debt from you Capital Accounts denies any such wrongdoing or liability .... I acknowledge your admission of handling the account ( s ) in the past, Exhibit E. Regardless of the admission, I felt the response was disrespectful and emotionally triggering. You blatantly denied and refuse to take accountability for your willful injurious act ( s ) of torture. Yet, youre admitting to your handling of the account prior to my receipt of Exhibit E, which furthermore, verifies your guilt of the following violations attached to this communication, along with exhibits for evidential proof, but not limited to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has place derogatory account reporting on my credit profile from XXXX XXXX Bank Address : XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Dated : XX/XX/2023 Account number : XXXX
Product: Student loan

I have been paying my student load for a number of years. I noticed as I began monitoring my credit that the loan amount on my student loan continued to rise every month even though I was making payments for a number of years. When I contacted Navient, my student loan service provider, it was found they had miscalculated the required payment amounts and did not cover the interest amount. I questioned how they planned to resolve the issue and correct the loan amount. They stated the interest would have accrued anyway and that no corrective action would be necessary other than increasing my payment amounts. This made very little sense, as for the years I had been paying the loan amount should have been decreasing. I am now stuck with higher loan debt amount and forced to pay a higher monthly payment.
Product: Payday loan, title loan, personal loan, or advance loan

I refinanced my mortgage through a different lender and used the proceeds to payoff a personal loan through sofi. Check was mailed XX/XX/2024. After multiple attempts to verify they received it, I was told by sofi that they received an envelope with the payoff letter but no check so I cancelled the check and had a second check sent, this one with tracking. The second check was sent XX/XX/XXXX and received by sofi XX/XX/XXXX. It was deposited the same day as I have a copy of the deposited check. Sofi later tried to deposit the first check that they claimed they never received. Ive called/chatted no less than a dozen times attempting to get this debt paid off. As of XX/XX/XXXX, they still have not found the second check despite depositing it XX/XX/XXXX. My account is currently past due as the payoff check is already {$4000.00} over the payoff amount and this would have been handled weeks ago if they didnt claim they never received the original check. I would like to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Debt collection

designed recievable was not able to verify or validate this debt that i owe to them by my signature stating that i had and obligation to pay this allege debt and had deleted it from my XXXX credit file XX/XX/2014 and then placed it on my other credit files XXXX and XXXX i have reached out to them several times and they continue to verify this as reporting accurrately when they have deleted it from XXXX credit file and continue to report on other files
Product: Debt collection

Around XX/XX/2024 I received two letters from XXXX and/or LVNV about two alleged Collection accounts. On XX/XX/2024 I requested Validation, disputed it, and Asked for Purchase agreement between XXXX and XXXX XXXX XXXX On XX/XX/2024 they responded " Thank you for contacting us and sharing your concern. To assist, we will request verification of this debt from our client. XXXX XXXX or our client will mail the validation to the current address we have on file. Collection activity on your account has been placed on hold and will only continue after verification has been sent to you. '' Around XX/XX/2024 no correspondence or email had been received from this alleged collection agency and collection activity had been reported to all 4 credit bureaus. A direct violating of all Collection Law. See Attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a voluntary repossession on the XXXX account number XXXX. ( Please see page attached from our credit report. ) Shortly after purchasing the vehicle the independent inspection that we had done revealed that this vehicle failed to meet the standards as required under the law for safety and also this vehicle fell under the rules required for the Lemon Law. We returned the vehicle within the time allotted and were told that there would be no negative reporting on our credit report, but that turned out to not be true. I had documentation to prove the vehicle was not up to standards however, these documents were lost in a house fire. This was not a voluntary repossession or a repossession of any kind. The vehicle was defective. This incorrect reporting of a repossession is harming our credit score and this line item needs to be removed from our credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

This is my 4th 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$420.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX Balance : {$910.00} XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did NOT authorize any inquiries that 's on my credit report. Any inquiries from  XXXX   2017 until now are NOT mine and need them removed from all credit reports Thank you
Product: Credit reporting or other personal consumer reports

Please ensure the unauthorized accounts are blocked and removed from my credit report at your earliest convenience. I have no connection to these accounts and did not approve them. Pursuant to USC 1681g, I request their removal within 15 days. Attached are the necessary documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

This is clearly a sham investigation done by Experian, Transunion, and Equifax. I have disputed the XXXX XXXX account on my credit report several times with no understanding from Experian, Transunion or Equifax. The XXXX XXXX  account on my credit report has been closed since XXXX, I have sent my credit card statements to Experian so they can see my payments made on this account. Experian supposedly investigated my dispute and continues to report this account 60 days late and that is untrue. I have never been 120 days late on this account nor was I 60 days late. This is a violation of the FCRA guidelines and needs to be corrected immediately.
Product: Credit card or prepaid card

Barclays can not provide me with payment info, they give me a number for XXXX ( XXXX XXXX XXXX ) and online, and over the phone, they are saying they do not have the debt ( Ref : XXXX ). When I contacted Barclays again they then stated the debt had been moved, but have not given me payment details, meanwhile I accrue late fees.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681c-2 ( a ). I am a victim of the XXXX data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA )
Product: Debt collection

Portfolio recovery inaccurate reporting and tines of reporting. They have sent no debt verification or original contract. Will not respond to email. Only will reject my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment. I am not sure what happen but I believe I had made my payments when receiving my statements if they were not deferred. The accounts show incorrect late payments for the entire year of 2016 from XXXX to XXXX which are incorrect.
Product: Credit reporting or other personal consumer reports

There are 2 issues that I have asked to be removed from my file and am now at the point of filing Civil Lawsuit and privacy violations against the credit bureaus as a result. 

There is a bankruptcy still showing on my report. I have verified with clerk of court who has informed me there is no bankruptcy under my name. Please remove this asap per my privacy and 10 year statute. ( please see attached discharge date ) 2nd issues, please see attached FTC Report as there are a number of unauthorized credit inquires. They include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2022 I filed a dispute because Id been a victim of scam. XXXX XXXX I submitted proof that Id not received any items. Ive called several times just to be told it can take up to 70 days
Product: Mortgage

Requested assistance under the Cares Act and asked to extend the assistance and the servicer has denied says we were only allowed 90 day that is it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name : XXXX XXXX XXXX  Reason for Dispute : Never Late, Account Was Paid As Agreed. 

XXXX XXXX is reporting an account as being 30 days late on my credit report and fail to correct this error with the credit bureaus. I have disputed with all three Bureaus and although I submitted evidence of no late payments, they still failed to update the inaccuracy on my report. 

On one bureau XXXX XXXX  is reporting XX/XX/2022 payment as 30 days late and on the other two bureaus, it's stating XX/XX/2022 payment as being 30 days late. That's one major inaccuracy right there, because they are reporting different records across the bureaus ( which calls for an automatic removal ). Secondly, no payment was ever late for any of the months ; therefore information being reported as 30 days late is incorrect. Please view supporting documents as proof of ALL payments for the full year of XXXX  and have them update this inaccuracy accordingly. ( Attachments 1-4 : XXXX XXXX Payment History for the year ) In addition, I'm also submitting proof rendering my mother as the actual owner of the account as well. Attached, you will find her bank statements showing payments coming out of her account faithfully for the whole year. There, you will also see that the XXXX and XXXX payment were NEVER late or missed. Although she had a 15 day grace period every month for every payment, she NEVER went passed her grace period ; being that the account was in my name, I made sure of it. ( Attachments 5-16 : Mom 's Bank Statements for the Year ) So to reiterate, ALL proof will be attached with this complaint. I'm not sure why XXXX XXXX insist on reporting this inaccuracy. At first, I believed it was an honest mistake, but recently I found out that they did a soft pull on my credit in XXXX right before they reported the inaccuracy on my report. It had been six years of payments being paid on time and my mom was on the last payoff payment ; therefore, there was no need to inquire on any of their services, no reason to refinance, or etc., so why were they soft pulling my credit? Now, it appears as if they were intentionally trying to sabotage my records. If you take a look through my credit report, everything is always paid on time ; I do not believe in late payments. XXXX XXXX saw this and for whatever reason, decided to report their inaccuracies. I'm the type of person that stays on top of my credit just to ensure accuracy of what's being reported ; reason being is because companies like them report inaccuracies all the time. If you are not attentive to errors being reported, they will continue to report false information. This is not right and they should not get away with this. No company should. 

So again, please have them fix and update this inaccuracy on my report accordingly.