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

Simply parroting information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). The result of the investigation mailed to me did not address my dispute. It completely avoided the issue. Please see attachment. This account was opened on date XX/XX/XXXX and closed on XX/XX/XXXX. There are no on time payments from XX/XX/XXXX to XX/XX/XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, this is inaccurate payment history reporting. I should have active payments XX/XX/XXXX to XX/XX/XXXX. This inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Experian failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. Moreover, the payment history from Experian is not the same as the one from XXXX. Please see the attachments. I am demanding a deletion of the account name : XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I have never attended an XXXX XXXX. I have disputed this debt with XXXX XXXX as well as Ability Recovery Services for the last 2 years. If you check my federal student database you will see I graduated college in XXXX from XXXX University. After that I went to XXXX XXXX, XXXX XXXX XXXX, and now XXXX XXXX. I have never enrolled in XXXX XXXX and yet I have 3 reports of debt owed in the amount of {$930.00}, {$920.00}, and {$820.00} supposedly having taken place all in XXXX of XXXX. This is incorrect and damaging information and is prohibiting me from being able to purchase a home.
Product: Credit reporting or other personal consumer reports

I am sending in these documents at your request. Let me continue to explain what took place. My card was hacked for {$3000.00} and {$1500.00} and I called you on a recorded line to dispute these charges on card ending in XXXX. So you sent me out a new card ending in XXXX which I never received. But you gave me the last 4 digits of the card that was coming by mail which was XXXX. Upon checking my statement it had a {$1500.00} balance on the card which I never received. You said the other 2 fraud charges would be taken off. Then you advised me that you would send me another new card because of the fraud on the card with {$1500.00} on it and that you would be looking into that matter. Now mind you I have not used any XXXX XX/XX/XXXX since I paid it off in XX/XX/XXXX. I believe you have a thief in your department that used my cards. But the biggest problem I have and I want it corrected immediately is some one from XXXX requested {$1400.00} out of my checking account on XX/XX/XXXX and you received it on XXXX as payment. I never authorized any payment to you. I didnt owe any payment to you. My bank did not authorize any payment to you. I tried a stop payment on it but it went through. I have spoken to 5 of your representatives that barely speak XXXX that I could not understand to try and solve this to get my money back. I have went through your fraud service and everything. My next step is my lawyer. I have sent you these documents to you of drivers license, social security card and bank statements. Now its real simple to give me back my money by reversal of payment. I never owed you {$1400.00}. I owe you a balance of {$19.00} for donuts from XXXX store. I have been a customer of yours since XXXX you dont treat people like this. You figure out who frauded me and who your thief is on your own time. Dont let my money set idle while you figure it out. That is my monthly bill money I need to pay my bills. I had to borrow from my bank to correct all my returned items to my other creditors because you wont return my money sent to you by an outsider or insider in your organization. This is not a way to keep my business with you. I will be calling you on Monday to get some results or my attorney will take control if we cant reach an agreement on the money taken from my account. You should be able to see who authorized money from my account to you. If you cant then you got a XXXX poor system. 
Sincerely. 
XXXX XXXX XXXX All this was sent to XXXX XXXX XXXX. Thier is a thief inside their organization. I just received an alert on XXXX that XXXX had requested an address change to experian. I did not do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Experian and XXXX are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the Experian  and XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Im unaware of this debt, I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received notice. I have no debt or any contract with XXXX XXXX XXXX or XXXX XXXX XXXX. On my XXXX Credit Report the company name is XXXX XXXX XXXX and on my XXXX and Equifax report the company name is XXXX XXXX XXXX which is it? The account number that this company has placed on my report is XXXX.
Product: Student loan

My student loan was defaulted due to a long period of unemployment, but recently I've managed to get back on my feet and begin working on getting all of my finances in order. I have 3 separate federal loans which were in a defaulted status and fortunately I was approved to consolidate those loans on XX/XX/XXXX. Two of the federal loans are being serviced by XXXX and the 3rd loan ( Perkins ) is serviced through Heartland ECSI. I was told by XXXX that the date my Consolidation was approved on XX/XX/XXXX. Those two loans were then automatically taken out of default and put into repayment on the National Student Loan Data System ( NSLD ). My 3rd loan with Heartland ECSI was also paid in full on XX/XX/XXXX, but remains on the National Student Loan Data System ( NSLD ) in a default status despite being paid in full. I have reached out to Heartland ECSI several times requesting that this information be updated, but I continue to get the runaround. It's pertinent that my information be updated immediately in the National Student Loan Data System ( NSLD ) because it could negatively impact my employment as in I could be terminated. My accounts with XXXX has been updated in National Student Loan Data System ( NSLD ) twice since XX/XX/XXXX, while Heartland ESCI has done nothing to bring my balance current. They continue to tell me that they aren't sure how soon it will be updated and they've gone as far as to tell me that it could take weeks. That simply won't do. Please assist in getting this rectified. Thanks.
Product: Credit reporting, credit repair services, 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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing an
y of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Consumer Loan

I have tried to pay my car note online at XXXX XXXX for over two weeks. Before they switched their systems. I had my reoccurring payment set up with my bank account for 2 and a half years with no problems. Now, my payment has been rejected two times f5rom the online process through my bank account and would not be accepted via EXXXX Debit Card or XXXX XXXX through their XXXX XXXX. I called XXXX twice and my bank twice. My bank, XXXX, says they are not rejecting any payments from XXXX ( as XXXX emailed me and said my financial institution was rejecting the payment, three times XXXX. I called XXXX twice, the first time they said that it was my banks fault and to try again, which I did. Today, XXXX I called after I received another email saying the payment I tried to give on XXXX ( third time trying ) was rejected and I had incurred a late fee. I spoke to someone in their Customer Service department, but I could not really understand her. She said my bank account information was incorrect ( which it was not ). She said she would waive my late fee and connected me to their payment system XXXX XXXX. XXXX XXXX could not accept my XXXX Debit Card, XXXX Credit Card, XXXX. I checked online and the late fee has not been waived. I am highly frustrated and super inconvenienced since I had all the information in my account previously, and now it is not working. This could affect my credit score, and I have not received any help from XXXX in regards to paying them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked every month since XX/XX/2018 via letter for proof of a {$360.00} debt with XXXX XXXX XXXX and have not received one piece of documentation yet each credit reporting agency responds as debt validated. 
I have also requested since XX/XX/2018 via letter the original signed agreement for a {$230.00} XXXX XXXX debt that all three credit bureaus are reporting and have yet to receive it. They just send me a statement of account which doesnt prove the debt is mine. This XXXX  XXXX debt is a secured credit card. Per their customer agreement online, the security deposit should be forfeited to cover the debt which makes the amount they are reporting incorrect.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account from XXXX XXXX XXXX a account number XXXX I demand that this account be removed from my credit report pursuant to my protected rights under the FCRA. I have no knowledge of this account neither was a contracting bearing my signature or the original contract provided to me.
Product: Payday loan, title loan, or personal loan

Hi my name is XXXX XXXX i was told on the phone my payments would be XXXX a month at 20 % for XXXX i said okay then they had me esign the documents so i did then the had me pay one time on the XX/XX/XXXX then they said on the XX/XX/XXXX of every month i said okay land i did but then they email me saying that i sign up to do ot every two weeks i asked them if this was a payday loan they told me no but yet they want me to pay every two weeks or they are going to get a judgement me on i told them if i would of know that i would not of done it there interested is 208 % on a XXXX loan i told them that i cant do that they said i have to and i have no rights that i sign the XXXX sign it and i have to i dont know what to do and now they want me to pay XXXX every two weeks
Product: Debt collection

Have disputed debt several times. This is a debit that belongs to my adult child whom have his own insurance. I was listed as responsible party from when he was under age. He has his own insurance since age XXXX. Hospital fail to collect his information. They assumed everything was still the same. I have since had myself removed as responsible party but the beauru keep stating its me debt. The debt amount is {$200.00}.
Product: Debt collection

Attached you will find the previous response from XXXX who attempted to collect on this supposed XXXX XXXX  that was not mine. It was already removed from my credit report previously and now another company is attempting to collect on it. 

I am unsure of any account number but my last 4 of my social are XXXX. You should be able to locate my account with this information.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell the XXXX credit bureaus 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX & XXXX XXXX XXXX : {$900.00} Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Docket Identifier : XXXX Date Filed : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of XXXX I requested and was approved for the Forbearance plan due to economic impact due to the Pandemic. 
In XXXX of XXXX I spoke to an agent to begin making payments, as I rectified my finacial position. In the conversation with agent I requested my balance be deferred, that request was approved in writing. Since XX/XX/XXXX I have had many many conversations with agents due to my account not being updated, and I have not been able to make mortgage payments. I have been referred to their escalation department on 2 different occasions, with no resolve. The last agent explained I could not have a deferred plan due to having a FHA loan. I asked why I received in writing from their company I was approved for a deferral. She had no answer. She did say my situation would be resolved and my accout would be updated, and I would be able to begin making payments. As of today, XX/XX/XXXX I still have no answser to my questions, nor is my account updated reflecting any attempts I have made to resolve this issue.
Product: Checking or savings account

My debit cards had been hacked multiple times and used on online apps such as XXXX XXXX and XXXX XXXX. The XXXX XXXX   transactions have since been refunded, more recently is when the XXXX XXXX charges were made to my account and I notified the bank on each occasion and received a new debit card, also disputed the charges. Ive never used or even opened a XXXX XXXX or authorized any transactions at any point on that app. I went through the dispute process as previously mentioned and the bank notified me that my disputes have been declined. I asked them why and they responded by saying the reason was because Ive had too many disputes and have had 8 new cards this year. I then asked if they could identify where the stolen funds ended up at, such as what bank account or destination that my funds were transacted to. They could not give me an answer. I feel like they did not do their due diligence investigating these charges and investigated me more than the charges themselves. Please let me know if there is any way to help as this has been an on going issue and the amount that is bring denied a refund is upwards of {$3500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) Account Number : XXXX Balance : {$660.00} Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$7700.00} Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$730.00} This is a formal complaint against XXXX, XXXX, and TransUnion. The collection accounts I have mentioned above are being reported erroneously in my credit report. I have disputed these accounts since XX/XX/XXXX, and I do not see any changes in the way the account is being reported. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act. 

For one, XXXX XXXX XXXX is still reporting inconsistently. The date of last activity in XXXX is XX/XX/XXXX, while TransUnion shows XX/XX/XXXX. The credit bureaus can't seem to correct or validate this one. I even disputed this directly with the collector and original creditor. I am not getting any response to my disputes. It seems my effort to get this resolved is being neglected. I am trying to get approved for a loan and this is causing too much stress.
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my consumer report and I noticed an account that does not belong to me. Pursuant to 15 USC 1681c-2 Please block any item resulting from identity theft. Fraudulent account ( XXXX XXXX XXXX XXXXXXXX ) Fraudulent inquiry XXXXXXXX XXXX date of inquiry XXXX XX/XX/2022 )
Product: Student loan

Seems that 2 months ago Navient committed two illegal acts : -WITHOUT MY REQUEST OR CONSENT changed my accounts arbitrarily to be in deferment status until XX/XX/XXXX or so of this year -INCREASED interest rates from 6.79 % to 8.25 % - I sent several additional payments made directly FOR PRINCIPAL ONLY. and they are not been applied accordingly to reduce the primary debt I never applied for any kind of deferment nor requested any kind of changes. This is a repeat problems as about 18 months ago they did the same. Why are these rats allowed to do this? They have been sued repeatedly across the nation for such misconduct and yet the government still allows them to continue to do this. 

I demand a full investigation and removal of all financial charges created by this fraudulent transaction.
Product: Credit card or prepaid card

American Express promised expedited delivery of my XXXX XXXX XXXX Credit Card. However, after numerous times of calling them, the delivery of the credit card is still on the same day they gave me during my application. Also, it was mentioned that American Express issue instant card numbers once you get approved for a credit card. However, this didn't happen in my case.
Product: Credit card or prepaid card

The Synchrony Bank XXXX XXXX XXXX XXXXXXXX credit card has on their web site ( XXXX ) and I have received fliers in the mail stating that they have wireless cellular phone damage protection. When I tried to file a complaint through XXXX as stated on the web site, XXXX told me that I didn't have the benefit and that XXXX was probably doing a " bait and switch '' and just lying to me. They suggested that I take it up with XXXX. 

I then called XXXX. Four different operators and one supervisor stated that they had never heard of the benefit. I pointed out that it was on their web site and that I could send them a screen shot. The supervisor ( XXXX XXXX suggested that I call XXXX. I explained that I had already done that. She then called them for me with me on the line. After 35 minutes she just hung up on me. 

I then called back and the next operator said that she knew all about the benefit and that she thought I should have it. She didn't understand why XXXX would do that. 

I'm very frustrated that XXXX is advertising a benefit on their web site and then denying it. They are clearly promising benefits that they have no intention of delivering on.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - Received email from XXXX support stating my account would be closed, and no information will be provided as to why. Also stated my account had a balance and would need withdrawed in XXXX hours or I would lose it. 

XX/XX/XXXX - Added a withdraw address for my account balance and processed a withdraw XX/XX/XXXX - Withdraw was canceled by XXXX and not processed. Account was closed and so was access to login or any other services. 

Account was later repopened after multiple emails to support, they stated to transfer my money to XXXX  to withdraw. Upon doing such I had to incur multiple fees that institution additionally profited from. This was also counterintuitive to the institutions statements my account was suspended and no longer usable, however they were scamming me in to 'utilizing ' there exchange and paying customer fees as a 'user '. 

The fees and various other extortions had then brought my balance below the company 's XXXX  withdraw minimum, which should also be noted carries excessive and additional fees to utilize, as a customer. Which I was made well known was no longer permitted to be, for completely no reason at all. 

This company has again been toying with me for weeks, and subsequently permanently closed my account again and stolen all of my money.