23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been receiving calls from these people for about a week but I never answer because my XXXX  has there number filtered as a scam number ( XXXX ) but today XX/XX/17 a rep named XXXX left a voicemail stating there is a case naming as a defendant and they will pursue unless I call them at XXXX. So I call the number and XXXX an account XXXX answers the phone giving the companies name as XXXX XXXX. He wants me to verify DOB and SS # which I did not do because these people are clearly scammers. He refused to give me any information and he stated that since I would not verify my personal information he will be calling a bunch of random people and just giving them the ss # and DOB they have on file and then hung up in my face. I called back and got XXXX who immediately hung up when I asked for their address. I called back again and XXXX answers and he said he is not providing me with their address or a mailing address and hung up in m face again. These collection practices are not only illegal but they violate ALL consumer credit debit collection laws. If these people continue to harass me and break the law I will file a law suit. I have them recorded!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to credit reporting agencies to remove inaccurate information to include, name, address, phone, employment and all collections not being removed if not associated with my current name
Product: Credit reporting or other personal consumer reports

Hello, I'm trying to get an updated copy of my credit report and Experian is refusing to give me an updated copy of my credit report. I filled out the annual credit report application but Experian was the only CRA that refused to give me an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a federally protected consumer and my rights as a consumer have been violated by XXXX, XXXX, and Experian. The biggest violations being my right to privacy as a consumer and furnishing information to my consumer report without my written consent, also being actively involved in the buying and selling of my personal identifying information for profit better known as aggravated identity thief, aiding and abetting debt collection agencies in furtherance of a crime. I started my dispute process back in XXXX it is now XXXX and the same inaccurate, erroneous information is still being reported even after I've pointed out the various inaccuracies throughout my consumer report It keeps coming back as " verified ''. I'm aware that it is not in XXXX, XXXX, or Experian best interest to remove accounts from consumer reports because they all profit from the information furnished on a consumers report whether that information is right or wrong. But they are supposed to honor Metro 2 Compliance as well as maintain 100 % accuracy on ALL CONSUMER REPORTS. If XXXX, XXXX, or Experian actually abide by Metro 2 Compliance then each and every consumer report would show the exact same information across all 3 reports which it does not. So they're not even complying with their own policies and procedures so I know for a fact that they do not care about a consumers rights under the FCRA, FDCPA, or TILA. Congress defines XXXX, XXXX, and Experian as " elaborate mechanisms '' who assumed their positions. I'm tired of the 30, 45, or 60 day waiting periods for a consumers disputes to be responded to, especially when there isn't an actual " investigation '' being conducted through " e-OSCAR ''. It literally takes " e-OSCAR '' seconds to process a dispute letter which is why it was put in place but it was created with bias towards consumer reporting agencies due to it's ability to search for keywords in dispute letters and " auto generate '' a response based solely off verbiage not an investigation of the facts presented. A reasonable investigation is not " automated ''. Again these " elaborate mechanisms '' are continuously deceiving consumers day in and day out without repercussion, this has to stop sooner than later.
Product: Credit card or prepaid card

I had a credit card with Discover. I had a credit limit of {$1900.00}. On XXXX my credit was decreased to {$500.00}. I had made a payment of XXXX to bring my account current. I missed a payment in XXXX due to a very personal issue but set up payment plans with Discover to bring my card current. I was able to make a large payment and no sooner than I had done that my credit limit was reduced to {$500.00}.
Product: Debt collection

I am the co-signer on a loan that per court order, Navient should have discharged. We had a conversation with agent XXXX from Navient on XX/XX/XXXX and discussed that there were litigations on these loans that Navient is not honoring. We have requested transcripts of this communication from XX/XX/XXXX, but they refuse to provide us with that recording. I have made multiple attempts to communicate with Navient to inform them that my preferred method of communication that Navient refuses to honor this request. Hence I will only communicate via our preferred method ( email ) in the future. Navient has repeatedly refused to communicate in this fashion. This is now impacting my personal credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, ACCOUNT RATING, PAYMENT STATUS, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT 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
Product: Student loan

My loan was moved from XXXX to Aidvantage. I already had dealings with XXXX about how they were incorrectly calculating, but then it was sold/moved to Aidvantage during the pandemic forbearance period. I applied for the SAVE plan as I was on IDR prior to the Federal forbearance period for student loans. I applied for SAVE the MOMENT we were able to apply. I got an update on my Aidvantage portal that my Repaye-to-SAVE had been approved and then a calculation that was astronomically incorrect ( around $ XXXX ). So I reached out to Aidvantage to let them know. They said they were aware of the miscalculation and if I resubmitted my SAVE application, it would be addressed. So I resubmitted my SAVE IDR information. Then I never got an update. So I called back in to see the update. They told me the payment amount should be much lower ( closer to $ XXXX ), but there was no documentation for me to see that online as the most recently documents available still had the XXXX incorrect calculations. She said they were still calculating my SAVE application and it would be done within 60 days. XX/XX/XXXX, I noticed my student loan balance continues to increase, which it is not supposed to do when on the SAVE plan. I contacted Aidvantage AGAIN about this. They said they are still calculating the amount due ( what?! ) and it's a 60-day turnaround. I asked for documentation to be updated and they said there isn't an updated document. I asked if they'd be removing the interest that was accruing on the account as SAVE isn't supposed to have interest accruing and they were the ones that have incorrectly calculated the amounts. They admitted to incorrectly calculating. They said no interest would be removed. After a lot of pushback, they said they'd be willing to remove interest going back to my 3rd ( and most recent ) submittal of SAVE in late XXXX since that was " when I applied for SAVE ''. After even MORE pushback and demanding a supervisor, they admitted that I applied for SAVE earlier ( late XXXX, which was actually the SECOND application after I noticed they messed things up on the first application ). When I was pushing back to get them to look further and how I applied for SAVE EARLIER than that because I had a response from THEM about the update in early XXXX, they disconnected the call. I keep attempting to call and get this updated to no avail. In the meantime, this company is charging me interest, raising the balance owed, and no resolutions in sight for this. 

I'm left with literally no options on how to handle this and have done everything the way I'm supposed to do it. What recourse do we have when financial institutions are allowed to just add more and more without being held accountable to anyone for doing the right thing?
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX  XXXX XXXX Balance Owed : {$550.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES 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

Kindly remove these inquiries. I don't have any knowledge about them, and the company conducted them without my consent.
Product: Credit card

On XXXX/XXXX/XXXX XXXX accused me of damaging then repairing a rental car that was in my possession for a time period of 24 hours. XXXX submitted a claim with my car insurance XXXX and charged my Discover credit card the deductible fee and one-day rental fee ( a total of {$290.00} ). While XXXX investigated the matter, I contacted Discover to find out the timeline for disputing a charge. Discover told me that customers do not have a deadline for disputing a charge. XXXX found me at no fault for the accident and did not submit payment to XXXX. XXXX reported they were taking the case to arbitration. Since Discover told me I had no deadline for filing a claim to dispute the charge, I decided to wait for an outcome from the arbitration process before pursuing a dispute charge with Discover. Since it has been about 2 years and XXXX has not pursued arbitration I went ahead and submitted a claim with Discover in XXXX, XXXX. After Discover completed their investigation, I was informed that they are not able to validate the details of the claim because XXXX did not respond to the claim. Per Discover, XXXX has the right not respond to this claim, therefor, there is nothing Discover can do for me, the consumer. I feel like Discover is deceitful by telling costumers that there is no deadline to dispute a charge. Discover is misleading consumers. Not only was I a victim of fraud from XXXX but also from Discover.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

I have done business with ace cash express in the past and was able to pay the loan/s off. So this time around I ended up needing to take out another loan with ace cash express I Bel it was like last year. And because I was having trouble making ends meat at that time, I haven't been able to pay them back this time. My plan is to pay it back. Well today our of snow I receive an agressive call by a unknown number in XXXX. He stated that I was going to be sued and that my case was redflagged and that they were getting ready to take me to court and that if I didn't make a payment they were going to continue with the he summons. I am so scared right now that I cried. And am still shaking. He gave a case # XXXX and to call this attorney at XXXX to stop the civil suit against me and to ask for a " Stop order on case '' .And he said, I had two case 's that were so serious and had been filed against me that I was en serious trouble. So I called that number and the man said he was an attorney and I gave him my information and he threatened me that if I didn't make a payment here soon, I was going to jail. He said, I owed ace {$1800.00} and I gave him my bank information and my card number. And he forced me to make XXXX $ payments every two weeks, in which I don't have. I hung up. I looked online and there was my account open and unpaid in the amount of {$1700.00}. He said I have to make 6 1/2 payments. If I did not comply they would severe me and I would go to jail. I am really scared right now. My XXXX XXXX flew off the roof. I have never been threatened before.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year XXXX I lost all my documents, my emigration papers, driver 's license and social security from my self and my kids, I notify the Emigration Department and I realized in one of his appointments that other people were using my identity and that of my youngest son, in XXXX XXXX someone used my identity and that of my son who at that time was under age to register in a store for a marriage ceremony. I now observe that I have many accounts in my credit and addresses that do not belong to me, and 14 requests for cards and applications denied in my credit history, On XXXX XXXX, XXXX the Department of Emigration and Naturalization granted me a permanent parol to solve my problem ... that document I am including in this letter. 

Thank you. 

XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against SPS for Inaccurate Credit Reporting and Violation of Billing Notice Requirements Request for Bureau Notification Dear CFPB Representative, I am submitting this formal complaint against Select Portfolio Servicing, Inc. ( SPS ) for violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) in connection with its reporting and servicing of my mortgage account. 

According to my credit file, SPS is inaccurately reporting the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  This information is inaccurate and misleading, and it violates multiple federal consumer protection laws : 1. Fair Credit Reporting Act Violations ( 15 U.S.C. 1681 et seq. ) 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies must investigate disputed items. Despite SPS reporting this account as disputed, it continues to be listed with derogatory marks without resolution or correction. 

1681s-2 ( b ) : Data furnishers must reasonably investigate disputes and correct or delete any unverifiable or inaccurate information. SPS has failed to do so. 

1681e ( b ) : Reporting must ensure maximum possible accuracy. Reporting a 120+ Days Late status while simultaneously showing a dispute, and without demonstrating proof of proper billing, is inaccurate and harmful. 

2. Truth in Lending Act Violation ( 15 U.S.C. 1666b, Section 1637 ( b ) ) Under 15 U.S.C. 1666b, SPS is required to mail or deliver billing statements at least 21 days before a payment due date. I hereby request : Documented proof from SPS that billing statements showing a {$5400.00} due amount were mailed or delivered to me at least 21 days before the listed due dates that resulted in the reported delinquencies. 

If such proof can not be provided, then these late payment entries are in violation of federal law and must be immediately removed from all credit reports. 

3. Request to Notify the Three Major Credit Bureaus I respectfully request that the CFPB notify and coordinate with the three major credit reporting agencies : XXXX XXXX XXXX to ensure that any inaccurate, unverifiable, or unlawfully reported information furnished by SPS is corrected or deleted from my consumer credit reports across all platforms. 

Requested Relief Investigate SPSs handling of my mortgage account reporting and its failure to comply with federal law.

Require SPS to provide proof of timely billing ( 21 days prior to due date ) as required under 15 U.S.C. 1666b. 

Remove all derogatory marks that can not be legally substantiated. 

Notify XXXX, XXXX, and XXXX to ensure correction or removal of this information from my credit file.
Product: Credit reporting

Exquifax removed the XXXX account # XXXX and the XXXX account # XXXX then placed them back on my credit report.
Product: Debt collection

In XX/XX/2015, this company offered me a new credit machine for my store. When they came to install the new machine, they could never get it to work. Eventually, I became tired of dealing with the issue, and I asked them to come pick it up. Even though the equipment never worked, they refused to pick it up and continued to bill me for a service that I never used. I just do n't know how they can continue to bill me for a machine and service that never was operational. I have repeatedly asked First Data to come pick up their machine, or give me instructions on how I can send it back to them. They never do. They just keep sending me bills, and reporting this account as a past-due account on my credit report. That is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the validity of a debt. The company reported the debt as having been paid, when my dispute was that the debt ever existed.
Product: Checking or savings account

Since the summer, Ive been trying to pay my utilities bills using my. The transactions appear until midnight day off and then get your raced from Bank of Americas computer. The utility companies keep saying that the transaction is denied for lack of funds. However, theres always ample funds in my account. so even if I was double charged, there would be enough to pay several calls with Bank of America they all do the exact same thing and none of them attempt to find a mutual solution to my problem. Ive paid at least {$500.00} for both my gas and electric bill due to this issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX one of my clients paid an invoice that I sent to him via PayPal. PayPal elected to place a hold on my funds, which could extend up to 21 days, in lieu of receiving verification that the customer received their product. I called to explained that I am not an online seller. I provide services directly to the customer and use PayPal only to ensure that my clients receive a itemized invoice of their purchase.

The representative explained that " certain '' accounts are subject to such holds. However, based on their published information, I did not meet this criteria ; which submitted to her. Well this particular account, which is 1 of 3 and designed to be my personal account, was opened earlier this year. Thus, it is considered " New ''. I explained that I have been an account holder for well over a decade, maybe even two. This is when the rep. agreed to reduce the hold to just 10 days. 
On the XX/XX/XXXX my funds were made available in my PayPal account. I promptly initiated a transfer to my bank account, because I knew that it would take 1 business day. Here we are on XX/XX/XXXX and my funds are not only not in my bank account, but they are still showing PENDING in my PayPal acct. I called AGAIN and was given a song and dance that amounted to PayPal arbitrarily holding onto funds to stall their release, even though they are collecting a fee for this service. Now my funds are expected to post in my account no later than XX/XX/XXXX. It will have taken two full weeks for me to receive payment for services that have already been completed and delivered to my client. 
Though I have been a PayPal account holder for a long time, these arbitrary money stalling techniques that they have resorted to using to skim additional money off of transactions that they are already charging a fee for is so disruptive to one 's business that I am contemplating closing all three of my accounts.
Product: Checking or savings account

A fake business put money into my account and sent to someone and now my account is- {$300.00} and I have already put a report out for the job.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Equifax dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX and I'm including it again. 


XXXX XXXX XXXX