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

Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, Please Delete these Inaccuracies on my XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 
As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding these fraudulent accounts. Following this submission, XXXX and XXXX promptly removed these accounts from their records. 

I have also contacted the companies associated with these accounts directly, and they have confirmed the removal of the accounts from their records. Thus, I am perplexed as to why these accounts continue to be reported by your bureau. 
XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I did not initiate these accounts, and I strongly suspect them to be fraudulent. I kindly request that you thoroughly investigate and promptly remove them from my credit report. I have provided supporting documentation to substantiate my claim
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, my TransUnion credit score increased by XXXX points. However, on XX/XX/XXXX, it dropped by XXXX points. Notably, there were no new factors mentioned during this period.
Product: Credit card or prepaid card

In XXXX, I was approved for an Old Navy store Visa. At the time of application and approval, it was through Synchrony Bank and the card could only be used with Old Navy brand stores. At some point, the status of this credit account changed without my permission or knowledge. 

According to Old Navy customer service, it was in XX/XX/2021. My account changed from a XXXX  store credit card, to a Barclays Mastercard that can be used at ANY place that takes Mastercard. Additionally, I never physically received the card. 

My complaint is the terms of my credit application changed without my permission. This introduced additional credit responsibility and risk as this card can be used anywhere, not just Old Navy. There was at the time, and remains a XXXX outstanding balance on the old and new accounts. Again, I did not authorize this change in my credit standing. I called and closed the account today when I learned what happened.
Product: Mortgage

I filed an insurance claim to my insurance company for damage. They issued me a check written to me and my mortgage company. I signed the check and sent it overnite express to the mortgage company. They re received the check XXXX/XXXX/2016 they never said what other information they would need. The only way I found out anything was by calling to make sure they received the check and asked how long before they would be sending me they money. That is when I was informed about all the different documents they needed before they would issue me any money. Mind you the documents they needed were not anything I was familiar with so I had to keep calling them to make sure I was sending the correct items. Every time I called I had to go through customer service and give my account number my name the property address and last XXXX of my social and my home phone and cell phone number before I could ask any questions. Each time I was connected to a different person. I was told so many different answers. 
Each person would tell me something they needed in addition to the I items I already sent. Other calls I was told they never received the items so I would have to fax the papers again. I faxed over to them 3 times the contractors list. Also 3 times the adjusters itemized list. Also the XXXX. They never once contacted me to say they have not received any of of my faxes. I would only find out when I called. I would be told yes we received it, I would call back in 2 days to see if the check has been released nd would be told no because we still need the contractors list. 
Even though I was told by another individual days prior that they had everything they needed. Each time they received any paperwork from I was told it would take 7-10 business days to review it. In 10 days I will be on the street with my XXXX dogs and my daughter looking for a place to sleep because my insurance will not pay any more housing for me. 
I do not have money for hotel stay for us and our dogs. This entire situation with the mortgage company has made me so ill. I stress all the time. My daughter is XXXX years old and has made her worry that we will not have a place to live when she starts school. My contactor has mentioned passing on my home because he has passed a couple of jobs up because we keep anticipating my job starting. I feel they are using my money for their gain and the employees they have are very incompetent I need my money now. I am the one who pays the insur ance not them.
Product: Debt collection

On XX/XX/2023 I received a notification email that I have changes on my credit report and my credit score dropped XXXX points I was upset because I didnt recognize the debt I never had XXXX XXXX XXXX I have XXXX XXXX XXXX  account so I call all three credit reporting agencies to dispute the collection and I was told that a dispute is open and it can take 30 days or more a few weeks later I received another email that the dispute came back verified so I contacted Resurgent and asked them to mail me a copy of the original contract and I never got a response the collection remains on my credit report and they keep selling my information without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my debt wit h Navient th rough their collection agency named  XXXX   XXXX  with reference #  XXXX   XXXX  charged to my credit card.   i have been asking them for a letter form them showing my settelment with my account so i can send to credit reporting agency  XXXX  insted they report to agency on  XXXX   XXXX  that i still owe the full amount NOT true. my call was on Thursday  XXXX   XXXX .   i called   XXXX   and they told me  Navient sen t them falls report on  XXXX   XXXX  saying i still owe them full amount. as a result i am enable to clean my record and not able to continue my life back to normal . Navient is   NOT honest with me and damaging my credit. please help. i have all supporting documents showed i paid and settled my account.
Product: Credit reporting or other personal consumer reports

The issue is during when Navient was servicing the Loan. See attached file. 

You are in violation of the law! 

As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, you are not allowed to propagate misleading information. Currently Navient is knowingly making false and misleading statements about my student loan debt. 

As per the XXXX Emergency Relief and Student Loan guidance from the XXXX XXXX XXXX ; all XXXX XXXX XXXX owned loans are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. 116-136 ) and invocation of the Higher Education Relief Opportunities for Students Act of 2003 ( HEROES Act ). Based on these acts the XXXX XXXX XXXX put for the following policies : Accrual of interest on ED-held student loans and certain non-ED-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. 
ED-held loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the 120 monthly payments required to qualify for Public Service Loan Forgiveness ( PSLF ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the nine voluntary payments required for individuals to rehabilitate their defaulted loans.

Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended on ED-held student loans for XX/XX/XXXX, through XX/XX/XXXX. 
Multiple rules related to the 120 monthly payments required to qualify for PSLF were waived.

A one-time revision was made to the accounts of borrowers with ED-held loans to provide credit toward the IDR plan maximum repayment period for any months in which they were in repayment status and for specified periods of deferment or forbearance.

My Navient student loans were owned by the XXXX XXXX XXXX ( proven by the XXXX XXXX XXXX  TDU approval ). As per court order ( CFPB vs Navient 2019 ) Navient has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. Navient is no longer responding to my verification requests.

Navient is still responsible for removing incorrect and inaccurate reporting information on my credit report, in accordance with federal law and the FDCPA.

As per CARES Act and HEROS Act any and all Navient late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. Any and All late payment information from that time period needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian all have information on my credit report stating that the age of my credit score is between 1-3 years which negatively impacts my score. I have a paid off car loan that is in excellent standing that was opened in XX/XX/XXXXthat none of these 3 XXXX companies will put on there, BUT they sure will put information that's not mine like credit inquiries that don't belong to me and charge me for $ 75.00+ for experian.com or XXXX that I never signed up for. That in itself is fraud! They also will keep addresses on there that are not mine and names that aren't mine and credit inquiries that I never authorized. WHO MADE THEM THE AUTHORITY ON CREDIT SCORES??? AND BY THE WAY, they sure can let our personal info be leaked to every person on the big black web can't they?? They couldn't protect a dog collar 's information from a blind person in Braille.
Product: Debt collection

I disputed this with the credit XXXX, XXXX and the XXXX XXXX SC  on XX/XX/year> and was told by the XXXX  I had to dispute directly with the company RESUGENT/LVNV. Which refused to send me the signed contract I requested.
Product: Credit card or prepaid card

In XXXX of XXXX I did a debt rollover from a XXXX  XXXX card in the amount of {$4600.00} to my Chase Amazon Prime Visa card. I have always paid off my current balance using the " pay off outstanding balance '' setting. I needed to change my setting to a monthly payment of {$1000.00} since I didn't want to pay off the {$4600.00}, and I rarely go over that amount. Unfortunately Chase started using a portion of my payment to reduce the amount of my rollover. This resulted in them charging me interest on outstanding balances which should have been paid with my monthly payment of {$1000.00}. In XXXX they charged me interest on a balance of {$1100.00} in the amount of {$12.00}. My purchases for that month was less than the {$1000.00} I paid. The same thing happened in XXXX when I was charged interest on a {$1700.00} balance even though my purchases were about {$1300.00} ( my payment for that month was {$1500.00} ). 
This increase in interest charges would have likely increased month after month as they were taking a portion of my payments to reduce my rollover amount even though no payment was due on that amount until XX/XX/XXXX. 
I am filing this complaint in order to start an investigation into their fraudulent practices or to warn other consumers to keep an eye on their balances. 
I did contact Chase and they were able to credit me for the XXXX interest, but not the previous fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts 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 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 And i DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These medical collections are violations and must be removed.
Product: Credit reporting or other personal consumer reports

My credit bureau reports from XXXX, XXXX and XXXX are reporting an account opened XXXX with XXXX and was assigned to Calvary Portfolio Service on XXXX with date of XXXX delinquency XXXX. 
I sent a letter to Calvary on XXXX requesting I be provided proof of this agreement with my signature. Also I questioned why it was still being reported when the indicated date is beyond the 5 year time limit. 
The statute of limitations for credit card accounts under Missouri law, XXXX XXXXXXXX, is five years.

The response letter I received from Calvary verified receipt of my letter requesting proof of my signature on a contract and rather than providing that proof to me simply responded that this account has been reported to the Credit Bureaus as " disputed ''. 
In the time it took to receive a response ( I mailed a certified letter on XX/XX/XXXX ) and received a letter dated XX/XX/XXXX advising me they had conducted an " investigation '' and that the information being provided to the Credit Bureaus is " accurate '' Because of the account being reported as 1st Delinquency of XXXX, that is considered a time barred account. I have also had numerous lawsuits filed through court after XXXX in which my bank account receiving Social Security be seized. 
I also have never received a 1099 C from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently pulled my consumer report and saw items listed on my consumer report that I did not authorize. Not only do any errors or omissions negatively affect me as a customer, but they also cast doubt on the reliability and efficacy of credit reporting in general. The importance and urgency of addressing this matter are highlighted by the larger context. 

Credit reporting provides guidance for many financial decisions and paths when completed honestly and ethically. However, when tainted by errors, it turns into a maze that ensnares gullible people. My request for correction is therefore an appeal to maintain the greatest levels of precision, justice, and professionalism rather than merely a simple resolution. I look forward to hearing from you in detail. 

I'm challenging inaccurate personal information listed below : The information about my name is not reported accurately. 
My current address is not listed accurately. 
Certain information about my date of birth is not accurate.
Product: Mortgage

Triad Financial will not let me purchase my own insurance, or even pay for my taxes on my own. According to Triad, the escrow is figured into my monthly payments. They bill the insurance ( of their choice ) onto the balance of the loan, therefor you will never make progress to pay off your loan. This has occurred for two years. 
I tried to get my own policy through another insurance company to avoid my monthly payments being raised. I am on a limited income and can not afford {$400.00} home payment. I purchased my policy out of my pocket, contacted Triad to cancel my previous policy they provided me. After 45 minutes on the phone and a rude operator later, I asked to be transferred to the escrow manager. I spoke with XXXX XXXX of the escrow department. She stated to email her a copy of my policy and a email stating to cancel the policy and she would be able to cancel it, she had to have this information. I was also told I couldnt call the company and cancel it myself. They went behind me, bought my policy from my new insurance company and are STILL putting this onto my note. Therefor still increasing my payments. 
Fast forward to today, I received a past due notice from that previous insurance ( which damages my credit ) stating I owed them. My insurance policy was never cancelled even when I did follow all the proper procedures provided to me by Triad, in total I sent her 4 emails. I had to call the company and cancel it myself, only then an hour after I canceled the plan on my own did I get a call back from them, after trying to contact them for weeks. 
They also stated to me today I not only owe the money for my new insurance plan but also {$500.00} more due to shortages in insurance/tax fees from the previous years. 


I feel that Triad Financial takes advantage of their customers. I have owned my home for two years and have only actually paid {$1300.00} to the balance. 
They are rude, unhelpful and always give the run around Im trying to solve an issue or get a simple answer for a question. I feel as I am being taken advantage of as a customer and it needs to be stopped. Price gouging, increasing payments until customers cant afford them anymore, and trapping them into contracts is NOT the way to do business.
Product: Debt collection

Sent debt validation letter via certified mail on XX/XX/XXXX. Letter was delivered on XX/XX/XXXX. NO response from company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting {$9800.00} written off from XXXX XXXX XXXX. This account is incorrect as a settlement agreement was reached and {$4000.00} was paid making the amount written of {$5800.00}.
Product: Checking or savings account

I disputed XXXXXXXX XXXX payments totally around XXXX dollars. I reported these as unauthorized and Chase has sided with the scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

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

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

I have received letters/emails from several companies stating that they have denied my application. 

XXXX. XXXX XXXX XXXX XXXX for XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
XXXX. XXXX  XXXX for XXXX XXXX XXXX XXXX XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
XXXX. XXXX XXXX, XXXX, XXXX XXXX dated XX/XX/XXXX email. 
XXXX. XXXX dated XX/XX/XXXX email. 
XXXX. XXXX XX/XX/XXXX email. 

I have notified all of these companies as FRAUD. These have all be denied or cancelled. The one for XXXX  XXXX was a Hard inquiry through Experian. They also have been notfied. I have changed most all of my passwords for various accounts.
Product: Credit reporting or other personal consumer reports

I am currently in the process of trying to purchase a home for myself and my family. I've tried to contact the companies many times since XX/XX/year>, to get the issue resolved of the fraudulent accounts reporting to my credit report. These fraudulent accounts are a defamation of my character and livelihood. The company continue to respond saying the information was verified and accurate, without sending proof of the verified information to be accurate. It is impossible for fraudulent accounts to be verified and accurate if they're fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on credit report I keep getting the same debt reported it is on my experience account 3 times for XXXX XXXX XXXX. 
I do not owe this amount to XXXX XXXX  of XXXX Il XXXX. 
I am being charged after giving correct amount of days notice before the new lease was signed and date on signed lease is XX/XX/2020 when I was in North Carolina and I have plane tickets to get prove they falsified the document due to I have flight information of being in North Carolina not in XXXX IL AT XXXX XXXX OWNED BY XXXX XXXX I later learned. 
This was built with funding from the state and suppose to be low income housing I do not owe due to giving 60 day notice before the new lease that shouldnt have even taken effect because I had already given 60 day notice to them back in XX/XX/2020 left XX/XX/2020 And paid up for XX/XX/2020 With XXXX deposit on file and then they charged me for carpet cleaning XXXX This is a horrible place to live considering the pushy manager requiring me to sign lease when under distress of being under condition of XXXX  and in process of needing XXXX  XXXX from 2 falls at the building for to ice on wooden stairs at the bottom. 
When I know that you have to give someone the abilty to move if can not get up and down stairs XXXX XXXX  and XXXX XXXX  But still was {$420.00} and will even send you to collections when only on XXXX and no job And unable to keep using stairs due to medical reasons and they are suppose to help low income. What no concerns for residents or the medical health or mental health as harassing me to sign a lease when under stress of decisions of XXXX  XXXX stairs living alone and only laundry on first floor Ridiculous management Even had a maintenance person get arrested on property for assault of a resident while living there over a broken childs toy the maintenance man broke this even made the XXXX XXXX and review newspaper. 
Cops came and arrested him in front of the office he was still there but manager had already left for the day. 
This place may be nice apartment on inside and outside but Management says one thing but does another Asking to sign leases ahead signing wrong date actually falsified information But XXXX just doesnt want to help either even with problems with manager or apartments even though they own it!!!