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

XXXX, XXXX, and Transunion credit reporting agencies are reporting inaccurate information in regards to late payment marks and derogatory remarks in comment section on my reports and I need the late marks removed or corrected to paid as agreed because it is affecting me purchasing my home. my rating of 99 % on time payment history has now dropped because of these inconsistencies in reporting. I am also requesting that the credit reporting agencies are consistent in what all 3 report as far as my account behavior is concerned. I file disputes with all 3 reporting agencies to remove all negative and derogatory remarks from my report seeing how I have no collections on record, no past due payments on accounts and no missed payments on my reported accounts. The comments and derogatory remarks listed DO NOT MATCH MY ACTUAL CONSUMER BEHAVIOR please advise them to correct and address the issues at hand because again it is affecting me purchasing my home right now. Thanks in advance concerning these complaints
Product: Debt collection

I attempted to purchase a {$40.00} XXXX XXXX from XXXX XXXX XXXX thru pay pal- they did not disclose the shipping amount at checkout. then they charged my account over $ XXXXUS for shipping of this item from XXXX XXXX charge was in Pounds.- So I immediately contacted Pay Pal and submitted a case for fraudulent charges Case # XXXX, they denied the claim and then I submitted an appeal saying you can not charge people for an undisclosed shipping amount its illegal. I also put a stop payment thru my bank account to make sure I did not pay the financial crippling charge for shipping the item. The bank did return the draft and now PayPal is saying that I owe them the money- I contacted pay pal again today and explained the situation and told them I had done everything I should have by immediately alerting them to the situation and alerting the company. They stated XXXX they don't care they want the money. 
I also corresponded via email with the actual company multiple emails requesting confirmation of cancellation of the order and have not received that back yet from them I called my Congressman XXXX XXXX XXXX and they reccommended that I reach out to you for assistance regarding this matter. 
Here is a copy of order XXXX XXXX SKU : XXXX XXXX XXXX  XXXX XXXX - Delivery w/c XXXX XX/XX/2021 XXXX XXXX Delivery Method : Delivery Unavailable please contact us Products : Delivery : Including VAT @ 20 % : XXXX XXXX XXXX TOTAL XXXX this is this was one of the emails from PayPal XXXX XXXX SKU : XXXX XXXX of XXXX XXXX - Delivery w/c XXXX XX/XX/2021 XXXX XXXX Delivery Method : Delivery Unavailable please contact us Products : Delivery : Including VAT @ 20 % : XXXX XXXX XXXX TOTAL XXXX This is what PayPal says I owe them {$14000.00} USD
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf regarding late payments on my credit record. Upon reviewing my records, I noticed these late payments. Despite sending letters about this issue over 30 days ago, I have not received a response, nor satisfactory validation. I kindly request your assistance in resolving this matter promptly and effectively.
Product: Debt collection

I obtained a $XXXX XXXX XXXX loan from Sallie Mae in XX/XX/XXXX.  The loan was made directly to me with the purpose of the loan being to cover living expenses after I graduated from XXXX school.  The loan disbursement date was XX/XX/XXXX and I officially graduated from XXXX school on XX/XX/XXXX.  The loan was entering repayment in XX/XX/XXXX, so it never went past due.  In XX/XX/XXXX, I filed Ch. XXXX Bankruptcy in Missouri.  The bankruptcy was discharged in XX/XX/XXXX.  My bankruptcy case number is XXXX.  Sallie Mae continued to report on my credit report the debt was owed and my bankruptcy attorney sent them a letter stating the debt does not qualify as a "student loan" and it was discharged with the bankruptcy.  My attorney stated in the letter that Sallie Mae was violating federal bankruptcy law and any questions or contacts relating to this debt should be made to him, my attorney.  Sallie Mae has acknowledged receipt of this letter from my attorney.

I hadn't heard from Sallie Mae since my attorney sent that letter until recently.  There was a pending class action law suit over this exact matter in the XXXX Circuit Court of Appeals.  The XXXX Circuit recently decided in In re: XXXX XXXX XXXX, case No. XXXX that XXXX XXXX loans are dischargeable in chapter XXXX bankruptcy.  Once the decision came out, Sallie Mae resumed collection efforts.

Initially, I was sent multiple letters to collect and I received multiple phone calls, I've saved the letters and voicemail messages.  On XX/XX/XXXX, I wrote and mailed a letter to Sallie Mae, which was sent certified return receipt requested.  The letter stated that Sallie Mae was notified that I'm represented by an attorney yet they still attempted to contact me to collect a debt.  I stated that I do not owe this debt, it was discharged with my bankruptcy in XX/XX/XXXX.  I included a copy of the letter sent by my attorney with this letter sent by myself.  I also included proof of the discharged bankruptcy, stating I do not owe Sallie Mae any money.  This letter was received by Sallie Mae on XX/XX/XXXX.

Since that time, the communications to me have slowed down but not ceased.  Sallie Mae has left me multiple voicemails after receiving this communication from me.  The letter was mailed from my home, with a computer printed return address label for my current residence.  On XX/XX/XXXX, Sallie Mae faxed two requests to my employer requesting my information.  The letters were faxed simultaneously, one to our office in XXXX, MO and one to our office in XXXX XXXX, MO.  I believe this was done out of spite in an attempt to harass me.  Additionally, this evening Sallie Mae called my sister in Virginia asking about my location.  My location is not a secret.  Sallie Mae is attempting to bully me into paying them.  They are breaking numerous laws while attempting to collect on a debt I don't owe and they have never responded to my letter stating the debt isn't owed.  I will include a copy of the letter that I mailed to Sallie Mae.

Here is the tracking information for the letter I mailed to Sallie Mae:

Certified USPS tracking number - XXXX

Return Receipt USPS tracking number - XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing the Equifax data breach, I discovered an account linked to fraudulent activity, specifically from XXXX XXXXXXXX XXXX. Additionally, I noticed unauthorized inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. This fraudulent account has caused me financial hardship, negatively impacting my credit and leaving me vulnerable to further threats. As a result of this data breach, I am seeking financial compensation for the damages incurred. 

Additionally, I was requested to submit further verifiable documents for dispute cases XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXDepartment of Education XXXX XXXX This educational department has promised not to give any of my personal information to anybody and that's including the credit bureau agencies . I am the holder of the consumer credit contract and I can assert my rights. 

16 CFR 433.1 16 CFR 433.2 16 CFR 433.3 16 CFR 313 16 CFR 313.1 I have the right to opt-out. I have never received a notice of my rights to opt-out from XXXXDept of Education . 

XXXXDept of Education is also violating my rights under : The Family Educational Act of 1974 and The Privacy Act of 1974
Product: Checking or savings account

A writ of garnishment was issued on my joint checking account on XX/XX/XXXX. There was no notification of the write from the bank or the attorney to myself or the other person on the account. All funds that were in the account on XX/XX/XXXX were withdrew and the account showed a negative of the exact amount that was present before the garnishment. The bank was then contacted the same day and an attorneys number and a case number was provided, however the attorneys company was closed so they were then contacted on XXXX. When questioned the attorney stated they had the wrong person and issued a writ of release/quash of the garnishment that day ( XX/XX/XXXX ). They faxed and emailed the Key Bank the legal documentation. Nothing changed in the account so the following day XX/XX/XXXX the attorney was then contacted again, in which they directly emailed the documentation to us, which was then sent directly to the branch. The branch then faxed the legal documents at XXXX to their legal department and were told immediate action will be taken. At XXXX the branch was approached directly and the banking representative that was assisting when the incident was first looked into ended up on the phone for XXXX minutes, the current branch manger then stepped in and reported there was nothing they could do although they had the legal documentation in the hands that stated the funds should be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted the 3 credit report bureaus XXXX Equifax, XXXX XXXX, and XXXX XXXX back in XXXX to provide validation of all negative items on my reports and asked them to provide with copies of any documentation associated with these negative accounts, including the original contract, bearing my wet signature to prove that the companies 's claim were correct. It is the 3 bureaus 's responsibilities to verify these claim before they added to my account. They failed to verify the account themselves and just " asked '' these companies or banks to verify for them and called it an investigation. I have n't heard anything after I sent out the 2nd dispute letter and they have failed to provide proof within the original 30 days I gave them. 

I have a letter to all the credit bureaus : Dear Equifax, XXXX XXXX, and XXXX! 
Please provide the XXXX of XXXX with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every XXXX constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! 
Portraying XXXX and XXXX Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ).  All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company and has continued too injured Consumers daily as your Systems are primitive in Nature!! 

Please help investigate their failure to comply and this has seriously hurt my credits and my ability to getting a loan or mortgage. 

Thank you very much!
Product: Mortgage

Hello Im XXXX XXXX and I have been receiving inflated fees and premiums from Carrington for the last three years. My fees and premiums started out at {$760.00} and then {$820.00}, and now {$860.00}. There is no reason my premium should rise, I am a realtor and have access to my taxes, they have not risen, I have access to my insurance it has went down from {$1100.00} a year to {$520.00}. I believe that Carrington Mortgage has violated my consumer rights and the Fair Housing statues. I will contact the appropriate government agencies to investigate my account and Carrington Mortgage Service LLC. I have previously contacted financial service for the government thru the FTC to complain about the Carringtons discrimination practices in my refinancing process and now I discover another inflation of my fees and premium. I believe that my account is being padded financial gain and is unlawful, I have had no previous notices explaining non-of the increases, which should not have been. With my insurance going down and my taxes going down my premium should have been {$760.00} for the last 2 years. I request that Carrington credit my account or send me the access fees. I believe I am a victim of I financial crime.
Product: Debt collection

I am in receipt of communications from a Law Firm Named Wetsch, Abbott, Osborn, XXXX and XXXX LLC. They are representing XXXX XXXX XXXX. In XXXX 2015 I responded to a " notice to cure '' from the above named law firm. As I am unable to match the said amount owed, account number and charge-off date to any of my known account records, I sent a letter disputing the claim and requested validation of the debt including but not limited to a copy of a contract, payment history, interest rate, name and address of the original creditor. To date I have not been provided any of this information yet they have served me with an IA civil case. I believe that this is a false debt and that they have more than likely purchased incorrect information. Please help.
Product: Debt collection

In light of my previous complaint XXXX where I disputed the XXXX account associated with XXXX XXXX accounts XXXX _ please know XXXX XXXX is ALSO pursuing XXXX. 
The response to the above referenced complaint, was the collection account from XXXX   was removed. Please also know, the XXXX XXXX NEVER responded to my CFPS complaint nor my request for documentation to support the balance of {$460.00} THAT WAS PAID! This account was removed from collections from my credit Report and I have heard NOTHING sense. Then I get a call from Mitchell D Blum & Associates Law Office, It was not until 5 min into the call, they admit they are a COLLECTION Agency! Please see the attached letter I received this is a COLLECTION company presenting themselves as a LAW FIRM which is a clear violation of FDCPA! In addition to this, there practices are XXXX! The XXXXXXXX XXXX sold a debt that was RESLOVED and now I am being harassed by some fake law firm! This must stop! Someone needs to do something with these abusive companies! 

This account was resolved within my last disputes of the vitality of this debt, and this needs to be honored by this makeshift lawfirm! It is a violation of FCRA to reinsert a deleted / previously disputed account!!! Therefore, I demand this company cease the negative reporting of this invalid debt! 
m,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$5400.00}
Product: Credit card or prepaid card

I disputed a charge on my credit card several weeks ago, I contacted Wells Fargo to find out what the status was as I had not heard anything from them. Wells Fargo informed me that because I stayed the entire duration of the trip and used my credit card they could not dispute the charge. I explained to Wells Fargo that accommodations that we were promised and what was shown on the company 's website were significantly different. My daughter had to receive medical attention from the bug infested room we stayed in. We were out of the country and had already spent over 6000 for a room and could not afford to stay elsewhere. The room we were promised looked nothing like the actual room that we stayed in. The ceiling and bathroom room had mold and other major safety concerns. The room was not the size specified in the picture and the concierge level room was misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE FINAL REQUEST PRIOR TO SERVING EQUIFAX FOR MULTIPLE BREACHES OF CREDIT REPORTING LAW TO BE HEARD IN SMALL CLAIMS COURT, XXXX CA.EQUIFAX, AFTER MULTIPLE INVESTIGATIONS ( FOR MAX LEGAL $ CLAIM,XXXX PER BREACH ) CONCERNING IDENTITY THEFT CONTINUES TO PUBLISH AND DISSEMINATE FALSE INFORMATION.I ORIGINALLY DISPUTED 5 DEPT OF EDUCATION LOANS AS NOT MINE.. 
DUE TO IDENTITY THEFT.I HAVE PREVIOUSLY PROVIDED AN FTC IDENTITY THEFT REPORT, MY DRIVERS LICENSE WITH VERIFIABLE SIGNATURE ( PROPER ID ) MY SOCIAL SECURITY CARD AND BANK STATEMENT.EQUIFAX REMOVED 4 OF THE 5 ERRONEOUS LOANS BUT REFUSES TO REMOVE THE 5TH LOAN DEPT OF EDUCATION/XXXX, ACCOUNT XXXX. 
THE LOAN APPEARS TO BE TRANSFERRED.IT WAS NOT TRANSFERRED TO ME.EQUIFAX VIOLATES FCRA FOR NOT IMMEDIATELY DELETING.NO FURTHER INVESTIGATION IS NEEDED TO DELETE/SUPPRESS FROM EQUIFAX.ALL NECESSARY INFORMATION TO SUCCESSFULLY DELETE HAS BEEN PROVIDED MULTIPLE TIMES ... WITH MULTIPLE, MAIL, ONLINE DISPUTES AND CFPB COMPLAINTS. 
ATTACHED ARE ID AND REPORT SECTIONS FROM EQUIFAX AND FTC ID THEFT REPORT. 
LATELY, THE EQUIFAX CFPB DISPUTE RESPONSES HAVE BEEN SAYING TO CFPB THAT EQUIFAX IS INVESTIGATING, YET THEY ARE NOT INVESTIGATING OR PUTTING UNDER DISPUTE.THEY ARE LYING TO THE CFPB IN THE PREVIOUS TWO COMPLAINTS AT THE LEAST.THIS IS A CRIMINAL ACT.
Product: Money transfer, virtual currency, or money service

PayPal said I was able to withdraw the funds from my account on XX/XX/20 after waiting 180 days from my account closure. When I go and try to add a bank account however, it gives me an error ... the money is stuck and I need a way to withdraw these funds.
Product: Credit card or prepaid card

Comenity Bank sent me an E-Mail stating I was pre-approved for a XXXX XXXX, except the name on the pre approval was not my name but it was n't sent to my XXXX account. The name was that of my father-in-law. He does n't have a XXXX account and has frozen his credit, and I 've opted out of pre-approved credit offers. We 're both concerned as to why I 'm receiving credit card offers in his name. His credit information and mine should n't be tied together in any way.
Product: Student loan

EdFinancial since the re-starting of student loan payments has yet to accurately reflect my correct account balance and what is owed. I've spoken with their customer service multiple times, my account is in auto-pay, and I still continue to receive regular notification that my account is past due. This is not correct. In XXXX for example, I had a near {$400.00} " past due '' amount that was to be paid to get my account into a current standing. I paid this, only to continually receive notifications that I have past due amounts that have not been paid. I spoke to customer service, again, today and was told I continue to have a past due amount from XXXX. 

This entity has the most atrocious billing practices out of any company I have ever worked with. They don't know what they're doing, billing accounts incorrectly, and continually driving up the monthly payment of what's owed. I've emailed the XXXX XXXX  several times about their horrible billing practices and hope that by escalating this issue, at some point this will get corrected.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX and XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USc 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that information is inaccurate.
Product: Checking or savings account

My account with chime has suddenly been closed without explanation. Every time I try to contact their customer support team they send me emails saying that I need to send a photo of my Id. Then they never respond back this company has been putting me through this for over a month causing me to fall behind on rent and bills all of my money is in my chime account. And their customer service has been no help they won't even tell me why my account has been closed they just locked me out of my account with no warning or explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

I am completely dissatisfied with this company called XXXX XXXX XXXX XXXX, Experian, & XXXX XXXX XXXX. I have contact them and Experian MULTIPLE times over the years for them to remove themselves from my credit report. I sent the credit bureau the police report attached where my property, identification, and social was stolen back in XXXX. This company has been reporting on my credit since XXXX!!! Just in the last year I have sent them XXXX different letters for removal from my credit report. Letters where dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX. All with the police report attached showing my identification was stolen along with proof of my address at the time. I have NEVER had an account with this company!!!!! Experian, XXXX XXXX, XXXX not XXXX XXXX XXXX have sent me any PROOF, as in when or how, that these accounts were validated to be mine. They have nothing with my signature on it stating the accounts to be mine!!!!
Product: Debt collection

I have never had an account with XXXX or XXXX XXXX. The only thing I have ever had with them was a free trial that was cancelled in XXXX of 2020. They continued to try to charge me father the three day trial and after their gyms were closed. I do not and will not ever owe a balance to them and will never pay a balance that they say is owed. 

I do not care if I have to escalate this to highest of courts but they will not get any money out of me in an attempt to collect a false debt. I have not and will not ever pay Aldous and Associates as this is a false debt that I have expressed many times. I dont know if XXXX participated in Identity Theft but this is highly illegal and there will be a cause of action.