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

NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND 1099C TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX TransUnion XXXX Account Number 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  Original Balance {$750.00} {$750.00} {$750.00} Current Balance {$750.00} {$750.00} {$750.00} Responsibility Individual Individual Individual Status Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Collection account, Account previously in dispute - now resolved by data furnisher Dispute resolved reported by grantor Dispute Resolved - Consumer Disagrees
Product: Credit reporting or other personal consumer reports

I'm reporting that my information was bought and sold illegally, My information was also improperly used & shared without my consent because I was a victim of the Equifax data breach. 

I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 

I am attaching a letter containing all the information needed to help in this complaint.
Product: Student loan

I was approved for Borrower Defense tonrepaymemt in XX/XX/XXXX, I am due a refund of over {$80000.00} & was due that refund by XX/XX/XXXX. EdFinancial has not issued the refund and does not provide information on status.
Product: Debt collection

I have hired a company, XXXX XXXX XXXX, to negotiate and help me settle the debt. They have sent several cease and desist letters to the XXXX informing them of this. XXXX has ignored all the notices and continued to send me letters threatening to send my file to a third party if I dont contact them.
Product: Credit reporting or other personal consumer reports

Several times I've contacted Equifax to correct errors of addresses that didn't belong to me and or dates. and notified them of closed accounts or forwarded them letters from department of education in 2024 showing that my debt will be cleared and there was no correspondence or corrections made.
Product: Credit reporting, credit repair services, or other personal consumer reports

address XXXX XXXX XXXX XXXX  ny XXXX is not a correct address for me, i have never lived at that adress.
Product: Vehicle loan or lease

I called American Credit Acceptance and spoke with a female customer service representative about my late payments. I have lost half my income due to COVID, and they offer no assistance. I made payments that were taken out of my checking account XXXX ending. I was told I would be caught up and just need to make XX/XX/XXXX payment on XX/XX/XXXX. I deferred a payment to the end of the loan and made a payment to bring me current. I just received a letter saying that XX/XX/XXXX and that if I do not pay {$990.00} by XX/XX/XXXX they would take action to repossess my vehicle! These numbers do not add up!
Product: Payday loan, title loan, or personal loan

Well to be honest. This happened around XXXX at Amscot. I applied for a payday loan for {$400.00}. At that time I was in a financial dump and crisis and I couldnt pay them back. I couldnt at that time. And I explained that to them. Time pass and i totally forgot about them. I really did. Obviously I didnt t need a loan anymore. So now its XXXX. I been trying online to apply for a loan and I keep getting denied and I was trying figure why, and I called XXXX XXXX and they informed me who is keeping me from getting approved. So my issues is that it shouldve been removed by now correct. Its over six years and I feel personally it should be removed off. And let me start over fresh and with new start. Its not the fact that I dont want to pay them cause I cant. The fact is I want it removed off my record due it pass the time frame. The Florida law states 6 years and its removed off. I Just need second chance. Please help to resolve issue. Thank you.
Product: Mortgage

I had requested an escrow balance breakdown and it still shows that the property taxes were paid by the mortgage servicer in spite of the fact that I had made a payment separately for the XXXX tax year. 

So they just added it to my escrow account and increased my payment when in reality I had made a payment separately and they also made a payment making a duplicate payment for the same thing. Also, the county showed that I was delinquent on the property taxes from the XXXX tax year for one of the installments. 

The mortgage servicer did not review the information I had sent them showing that I had made that payment, but the County of XXXX XXXX did not clear/deposit the check until XX/XX/XXXX. 

Basically, all the taxes had been paid by me separately as I have always done it except for the last tax payment in XX/XX/XXXX which the mortgage servicer had paid it all combined for the XXXX tax year. 

The escrow balance is inaccurate as it should not show a shortage given that I had paid the taxes separately. They need to adjust for duplicate payments. Please see attached for the supporting documents. Thanks!
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance Owed : {$740.00} XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX  XXXX Balance Owed : {$310.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$39000.00} XXXX  XXXX & XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$580.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXXXXXX Balance Owed : {$430.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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: Checking or savings account

In XX/XX/XXXX, I discovered that Navy Federal Credit Union had listed an incorrect business name on my savings account, which prevented me from accessing my funds. On XX/XX/XXXX, XXXX XXXX emailed me about the account and I later received the check. I contacted XXXX XXXX multiple times, messaging through their customer support channels, and visiting the bank in person to resolve the issue, as I urgently need the funds ( {$2900.00} ) for food and basic necessities, given my current financial hardship and housing insecurity. XXXX XXXX informed me that I must wait XXXX  days to file a declaration of loss, despite the banks error causing the inaccessibility of my funds. This delay has created severe hardship as I am homeless and rely on these funds for survival. Additionally, XXXX XXXX only communicated about closing my account by mail, even though they have permission to contact me by phone, email, or text. They also were aware that I travel for work at that time.
Product: Debt collection

On XXXX XXXX XXXX, I received a letter dated XXXX XXXX XXXX from Convergent Outsourcing attempting to collect a dept totaling {$440.00} for the creditor XXXX. I have never used XXXX 's services, and had not previously heard of the company. The debt breaks down as follows : {$210.00} Equipment fee, and XXXX service fee. 

I called Convergent Outsourcing on XXXX XXXX XXXX to inquire about the debt and was informed that XXXX is a cable service provider. Convergent informed me that XXXX provided service to an account opened in my name, using my social security number, to the address of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX. Service ended XXXX XXXX XXXX and Convergent Outsourcing was contacted to collect the debt. I have never lived in NY, nor have I ever had any business at the aforementioned address, nor have I corresponded with XXXX to provide service. I informed the Convergent Outsourcing representative of this and that the debt was the result of fraudulent activity. The representative then agreed to mail me a fraud package to complete and return to Convergent Outsourcing. 

After contacting the collection agency, I contacted XXXX on XXXX XXXX XXXX and was told that the account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. The representative informed me XXXX would wave the {$210.00} equipment fee, and contact Convergent Outsourcing, but I have not yet seen evidence of this. XXXX refused to wave the {$230.00} service fee. 

On XXXX XXXX XXXX, I contacted XXXX, an identity monitoring service that I use. XXXX XXXX recommended I call the three credit bureaus to freeze my credit, which I did that same day. I'm currently working with a credit restoration specialist from XXXX provided by XXXX. The credit restoration specialist has opened an investigation into the matter and will be contacting Convergent Outsourcing on my behalf. 

On XXXX XXXX XXXX, the credit restoration specialist recommended I file a complaint with the Federal Trade Commission via their website. The FTC site then directed me to the Consumer Finance website to finalize the form.
Product: Debt collection

I want to inform you that this is not a refusal to pay but in accordance with my rights under the Fair Debt Collections Practices Act I am disputing this account and requesting validation of debt. ( 15 USC 1692G SEC.809 ( B ). I am not requesting a verification, but I am requesting validation of contract. I am requesting that your office provide me with evidence that I am obligated to pay you.
Product: Consumer Loan

XXXX I purchase a vehicle XXXX XXXX through XXXX XXXX payment $ XXXX monthly- XX/XX/XXXX- XXXX- inter into agreement with Santander Consumer USA- with a original loan amount $ XXXX- Stated principal balance $ XXXX- payment to Santander {$880.00} that I'had XXXX payment -with Santander.- XX/XX/XXXX - State I ' have XXXX payment to make to Santander- principal balance {$11000.00} -have stated I ' Continues have accrued interest $ XXXX My estimated payoff is {$30000.00} ' Santander Consumer USA - repay for truck over again- I request to Sandtander why they have n't given me credit my military credit I went over to XXXX work for 2 years- Fax my proof ' Sandtander have refinance my loan add me in to bad debt, I went into Bankruptcy just before I'went overseas XXXX/XXXX/XXXX payment was up to date- bankruptcy sent Sandtander {$790.00} each month until XX/XX/XXXX- I Continues payment 'making 2-payment in a month after bankruptcy $ XXXX- Standtander deferment granted-payment $ XXXX.- the problem I 'm having why would Sandtander refinance my loan adding 22 more month to 20 years total 62 yrs. Sandtander this XX/XX/XXXX not fair to me of military - this was not XXXX year loan..sandtander rather refinance than take off interest for 2 years XXXX. add GAP inurance.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and someone used my personal information to obtain these fraudulent accounts in my name without my consent. I did not benefit from any goods or services of these fraudulent accounts. I am requesting for these fraudulent accounts to be removed and deleted immediately or legal actions will be taken. I have included my police report and FTC Identity Theft report to this correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX XXXX XXXX had fraudulently pulled from my Credit Report from XXXX  and it has dinged my scored, yet tried to mediate the situation, but to no avail. Then, on XX/XX/XXXX, XXXX XXXX / XXXX had also did such action. Finally on XX/XX/XXXX and XX/XX/XXXX, Capital One has also used my information without knowledge. No one has access to my information.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX keeps harrasing my employer. 
Original creditor is XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

Portfolio recovery is refusing to disclose amounts it purchased my debt for, I no longer owe the amount they are talking about and they still reporting Late payment s of XXXX $ in my account
Product: Debt collection

The XXXXXX/XX/XXXX XXXX, falsely advertised their apartments. I was pregnant and had a baby XX/XX/XXXX The apartment had mold, nobody cleaned ( roommates ) and the washer and dryer did not work. Its my fault that i did not take pictures to document but i feel like i shouldnt have to pay for this due to the stability of the apartment.
Product: Mortgage

XXXX XX/XX/2021 Mortgage Payment Due - Payment Not Made XXXX XX/XX/2021 Mortgage Late Fee Assessed XXXX XX/XX/2021 Mortgage Payment Due - Payment Not Made XXXX XX/XX/2021 Mortgage Late Fee Assessed XXXX XX/XX/2021 Mortgage Payment Due - Payment Not Made XXXX XX/XX/2021 Mortgage Late Fee Assessed I made several attempts to pay my mortgage electronically between XXXX XXXX and XXXX XXXX. Navy Federal Credit Union has disabled my ability to make my mortgage payment online. 

I spoke at length with a mortgage collections specialist in XXXX, explaining that phone conversations sometimes exacerbate my XXXX/XXXX and are often difficult for me to communicate clearly due to my XXXX XXXX XXXX ( XXXX ). I stated to the representative that for me, blocking my online payment access is a XXXX rights issue. Immediately prior to filing today 's complaint, I again attempted to make a mortgage payment online and once again, I was prevented from doing so by Navy Federal Credit Union. NFCU has a history of preventing members from accessing our accounts, related to delinquent mortgage payments. NFCU then collects late payment fees after preventing members from paying our mortgages online. 

I am a retire XXXX XXXX XXXX XXXX with 22 years of service and am a current XXXX employee of in the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 

Thank you, XXXX XXXX XXXX XXXX
Product: Debt collection

THIS COMPANY CREDIT SOLUTIONS CORP WAS REMOVED ON XX/XX/2020 AND THEN RE-INSERTED A NEGATIVE ITEM WITHOUT NOTICE FAILURE TO NOTIFY WITH IN 5DAYS VIOLATION I WAS NEVER NOTIFIED BY THE CREDIT BUREAU OR THIS COMPANY I WANT THIS OFF MY REPORT THIS IS HURTING MY CHANCE TO GET A HOUSE AND CAUSING XXXX XXXX I WANT THIS REMOVED ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started looking to buy a car in XX/XX/XXXX but to my surprise, I found out that once I met with the salesperson he told me that they ran my credit XXXX times overloading me with inquiries. It shows differently on all of the reports but the dates are in this range as shown below from XX/XX/XXXX through XX/XX/XXXX Had I knew this beforehand, I would probably would not have bought the car. Please help me. No one is going to give me a chance with all of these inquiries.
***XXXX*** -- XXXX XXXX Inquiry from XX/XX/XXXX-- XXXX XXXX XXXX Inquiry fromXX/XX/XXXX -- XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX XXXX Inquiry fromXX/XX/XXXX -- XXXX XXXX XXXX Inquiry fromXX/XX/XXXX -- XXXX XXXX Inquiry from XX/XX/XXXX -- Ally Financial Inquiry from XX/XX/XXXX ***XXXX*** -- XXXX Inquiry from XX/XX/XXXX -- XXXX XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX XXXX Inquiry from XX/XX/XXXX-- XXXX XXXX Inquiry fromXX/XX/XXXX ****XXXX**** XXXX XXXX XXXX -- XX/XX/XXXXXXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/20 Disputed An Item Been Reported By Collection Agency LVNV With The Amount {$610.00} Which I Was Requasting To Have This Item To Be Removed From All Of My Credit Bureau Since They Verified it [ Without Providing Any Proof, Bearing My Signature. ] See Attachment Below.
Product: Credit card

I purchased a XXXX TV ( {$890.00} ), TV stand ( {$170.00} ) and wireless adapter ( {$58.00} ) from Best Buy XX/XX/XXXX and the purchase, totaling {$1200.00}, was considered a " same as cash plan '' with no interest financing for 36 months. I made regular, timely payments every month to Best Buy ( normally exceeding the " mininum balance due '' reflected on the statement ) and on my XX/XX/XXXX statement showed a previous balance of {$1300.00}, a {$200.00} payment, and interest charges of {$1200.00} ( 96 % of the original purchase amount ). I have been a loyal Best Buy customer for decades and have utilized their " no interest '' offers on many occasions, being charged interest at the end of the program period only on the UNPAID balance - in this case {$380.00} - not being charged accrued interest on the entire amount for the entire program period. I was informed this was due to the Best Buy 's change to Citibank MasterCard as their financing servicer. As I never ACTIVATED my Best Buy Citibank XXXX ( I still have the original credit card received with the activation sticker on the front ) and was not informed of the change in the financing terms, I would request CFPB advocate on my behalf with Citibank to adjust the interest charge to only the UNPAID balance. 
I sincerely appreciate any help or guidance your organization is able to provide.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of lnaccurate lnformation and Failure to Correct Errors in Violation of the FCRA To Whom lt MaY Concern, I am following up on my dispute letter regarding the inaccurate information on my credit report ' which Experian has improperly verified. Despite providing my government-issued lD and proof of address, Experian has failed to remove the following inaccuracies : - lnquiry from XXXX XXXX XXXX XXXX XXXX XXXX - lncorrect Addresses : - XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX ; XXXX, FL XXXX - lncorrect Names : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Case Law in Similar Situations ln XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX, the court ruled that credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items ' The reporting agency in that case failed to do so by relying solely on the creditor 's information ' Experian is similarly violating 1.5 U.S.C. 168Li by failing to remove the inaccuracies in my report ' despite having provided evidence of my true identity and address ' Additionally, XXXX XXXX XXXX XXXX XXXX ( XXXX F XXXX XXXX, XXXX XXXX ' XXXX ) makes it clear that credit inquiries must have a permissible purpose under the FCRA ' The inquiry from XXXX XXXX XXXX was unauthorized and is in violation of 15 U'S'C ' 1681b ' I did not apply for credit from this company or authorize this inquiry. The unauthorized inquiry is a clear violation of the FCRA and must be removed immediately. 
Violations of the FCRA Experian is currently violating the following provisions of the Fair Credit Reporting Act ( FCRA ) : - FCRA 511 ( XXXX  ) - Experian is required to conduct a proper investigation once I have disputed the information, which I did, providing sufficient proof ' - FCRA 611 ( XXXX ) - Experian is obligated to provide me with the verification details or procedures that were used to confirm the accuracy of the information, which has not been done. 
- FCRA 168Lb - The unauthorized inquiry by XXXX XXXX XXXX XXXX in violation of permissible purposes under this section. 
Despite these ctear violations and my submission of sufficient identification, Experian continues to report inaccurate and fraudulent information on my credit report ' I demand the immediate removal of these inaccuracies. lf Experian fails to comply, I am prepared to take further legal action and report these violations to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 
Sincerely, XXXX XXXX
Product: Debt collection

Sunrise Credit continues to call and harass my family about a debt owed by deceased family member for an XXXX account that was closed out over a year ago. We have made final payment as of XXXX and have already returned all equipment last year. They left something in our credit report without any prior communication and for at least 6 months made calls from a variety of spoofed numbers several times a day. 

Very poor communication and deceptive methods used to collect money.
Product: Mortgage

On XX/XX/XXXX, I closed with Guaranteed Rates for a XXXX mortgage on a single family home with my business partner XXXX XXXX, we were joint tenants. I paid the down-payment and the closing costs. There were several deficits with this mortgage. 
XXXX. Guaranteed Rates issued a three party check to XXXX XXXX and XXXX XXXX, my partner XXXX XXXX and myself, XXXX XXXX. The check was cashed without my endorsement. When I contacted XXXX XXXX the Escrow Dept. Manager and XXXX XXXX, there was the perception they were not going to help me. 
XXXX XXXX after cashing the check without My endorsement disappeared without doing any work on the house. Even though XXXX XXXX was aware of what happened back in XXXX, she did not correct this matter. 
XXXX. Even though XXXX XXXX and I were joint tenants on the mortgage, MY NAME WAS LEFT OFF THE POLICY. I was not aware of this until XX/XX/XXXX. I was totally ignored in XX/XX/XXXX when I contacted XXXX XXXX and also when I contacted The Money Source. I paid for this policy with the down-payment. 
XXXX. Funds required that both XXXX XXXX and I signed for the XXXX distributions but XXXX XXXX only delt with XXXX XXXX, it wasn't until all choas broke loose and I was threatened with a mechanic 's lien and a death threat from XXXX XXXX that I demanded what was going on from Guaranteed Rates and XXXX XXXX gave me her information. But if honor was given to me in the first place the funds would not have been squandered.