23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted  XXXX   XXXX   XXXX .  XXXX  option  XXXX . Spoke to  XXXX  regarding a lien that is on my home. The debt was in BK. I explained by BK was released in   XXXX   XXXX     and I should no longer have a lien on my home. She said she had to look into it and would go from there.  XXXX  I called back and spoke to  XXXX  and she stated they did find the BK was released and they would file the lien release. She would not give me a time frame as I asked if they could provide me with a copy.  XXXX  I called again she stated there were not updates and not copy yet.   XXXX   Called and still no updated per  XXXX .   XXXX    XXXX  stated still no updates.  XXXX  I spoke with  XXXX  said no updates. I asked to speak with a manager and she sent me to a voicemail. I told her I am trying to get my home refinanced because I am paying a high interest rate and this was the only thing holding us up. I asked her is there anybody I can speak to that could possibly rush this as this should have been done a year ago. That is when she said the manager was a lunch and sent me to voicemail. I did not get a return call.  X/27  My husband called first she stated no updates he too asked for the  manager  and she said she was at lunch. She then state oh an update just showed up. Gave him a tracking number.  XXXX  I called again no updates and said the tracking was for when the lien was issued but she could n't give a time frame. I told her I 've been calling since   XXXX   and I have not been successful in getting any information. I told her they should have done this many months ago and asked why her  manager  has not called me back. She said she did not know and that the process is a long process. I told her I would have to get a lawyer involved if they did not get this done as they are messing with the future of my home. She said get your lawyer as if she did n't care. I really feel as if I am getting the run around and I have been kind and patient about it. Never became irate I thanked her for her help and told her I understood none of this was her fault but that I was frustrated. I need some help. I do n't know what more to do. I am paying 9.75 % in interest on my home and my husbands bank is getting it down to  3.75.  I have kids and would like to get my mortgage down. I 've been overpaying for many years.
Product: Credit reporting or other personal consumer reports

I did not allowed to put fraud alert on my file
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

-- a friend gave me {$100.00} gift card purchased from XXXX. 
-- activated the card on XX/XX/XXXX then forgot about using it. 
-- checked the balance yesterday ( XX/XX/XXXX ) and found out that the balance became a XXXX. there is no purchase history but XXXX XXXX. 
-- the XXXX states that there is no fees what so ever regarding the maintenance fee. 

( FAQ ) " Are there monthly fees or usage fees with my Vanilla Gift Card? 
There are no fees associated with your Vanilla Gift Card, other than the purchase fee. '' XXXX XXXX XXXX XXXX XXXX  -- can not reach any human staff by phone number on their website. 
-- ridiculous to know that {$100.00} just disappeared after two years without any purchase
Product: Credit reporting or other personal consumer reports

1 ) In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : the accounts in question is XXXX XXXXXXXX XXXX XXXX  Account number XXXX Reporting to ( XXXX, Equifax ) in accordance to 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions and was not authoized by me. I am requesting that these accounts be removed from my reports. 

2 ) XXXX XXXX XXXX XXXX Account number XXXX Reporting to ( XXXX, Equifax ) has my address listed as XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  NY XXXX is inaccurate and I have never resided or collected mail at this address. 

XXXX ) I HAVE NOT BEEN SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS I am requesting that this account be removed from my reports. I am requesting that this account be removed from my reports. for damages for violating my consumer rights and perpetration fraud against me, destroying my personal credit, and preventing me from obtaining a Home mortgage, consumer financing, and business financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mistaken bankruptcy on my credit report and an account I was never late on. Enclosed is a letter of explanation
Product: Credit card or prepaid card

So I put in a dispute for a charge about XXXX XXXX. They charged me twice for the same flight. 

They sent me over documentation saying I purchased it which I did, I had a medical emergency that made me cancel my original ticket and purchase a new one because I was hospitalized. So I did purchase both tickets but one of the tickets should of been cancelled and it wasn't. So I have two tickets for the same flight. Somehow they are providing documentation to Capital One saying I got on the flight .... which I DID but not the one I booked originally and needed to cancel for the second flight which I purchased. 

There is two XXXX XXXX transactions. I only had one. At the airport in XXXX they didn't give me a cancellation paper they just told me they took care of it. Yet they didn't and both charges are on my credit card.

So either I have a clone that can take two flights or they double charged me for the flights.

I'll add the documentation of the letter from the hospital as well to show that I was seriouslyinjured and had XXXX, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and this is my third attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. I look forward to your prompt attention.

Coronavirus Aid, Relief f
ull Accommodation was not applied after i was promised..

Elan Financial Service/ XXXX CREDIT CARD XXXX XXXX XXXX Attn : XXXX DISPUTE ACCOUNT # XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I genuinely appreciate the time and effort exerted by XXXX and TransUnion Credit Bureaus to remove a portion of the disputed accounts from reporting on my Credit Report. But I believe that there are still fraudulent accounts and information being reported on my Credit report. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that the consumer identifies as a result of the identity theft. I am now submitting this CFPB complaint to request the Credit Bureaus to please conduct another Investigation and remove the remaining disputed fraudulent accounts that are still being reported on my Credit File. I need the remaining fraud account be removed completely from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX OLD XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX 1920 XXXX CT XXXX, NC XXXX XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$180.00} XXXX  XXXX  XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00}
Product: Payday loan, title loan, personal loan, or advance loan

Harassment is what Ive been getting from the company
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized nor do I have any affiliated with. I've contacted the credit reporting agencies notifying them of my personal information being stolen in 2019. I advised that accounts were now being reported to my credit report that are not mine I have the right to privacy and have not given any written consent for this information to be furnished to my credit profile which is in violation of 15 USC 1681B.

Furnishing accounts due to identity theft is also in violation of 15 USC 1681 c-2 I requested that XXXX, XXXX, and Transunion remove all fraudulent addresses that are tying me to accounts that are not mine. I have not received any formal updates and this information being reported in severely impacting my credit.
Product: Vehicle loan or lease

I wanted to pay off my car loan which had an outstanding balance of {$8200.00} from my XXXX XXXX checking account so I logged into my US Bank website portal to do so on XX/XX/2022. The website told me in order to process a full payoff I needed to call their customer service number, which I did same day. After navigating through numerous automated menus, I was finally able to speak with a representative who told me that I could not pay off my loan in full and close my account unless I have a US Bank account. I asked how this is possible since they have been withdrawing my monthly payment of {$380.00} every month from my XXXX XXXX checking account on file for the last two years to pay off this loan. The representative said this was US Bank policy and that the only thing she could do was provide me the current loan payoff amount and address to mail a check to, and turn off my current autodraft from my bank. I said fine, i guess we will do that, but this does not seem right as interest accrues daily and so by the time the check gets to their payment processing center, the loan balance will be higher and i will still have a small balance left on my loan. I believe this is a predatory practice by US Bank to prevent their customers from paying off their loans in full, and forcing them to pay additional interest unless they open a bank account with them. This seems highly unethical to me and i believe warrants further investigation into US Bank 's loan practices. The way it is currently set up, my only choice is to mail a check to them to pay off the loan, and then i will need to follow up with them in a few weeks to verify that my account is closed out and additional interest is being charged. If I have a bank on file with US Bank I have been making payments out of, I have money available in the same bank account to pay off the loan, I should be able to do so online or over the phone all at once. Again, I believe this is a predatory practice by US Bank to prevent its loan holders from fully paying off their loans so that they can charge additional interest, and warrants further investigation and hopefully penalties for US Bank
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX for their failure to adequately validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). The details of the account in question are as follows : XXXX XXXX Account Number : XXXX Balance Owed : {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$400.00} XXXX {$910.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information that appears on my credit report, which I believe is inaccurate or incomplete. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, I am entitled to request and receive a full investigation of any discrepancies. 

Disputed Information : National Credit Systems Date Opened XX/XX/year> I request that you investigate these items and correct or remove any inaccurate information from my credit file. Under FCRA guidelines, you are required to complete your investigation within XXXX  days and inform me of the outcome. Should you find that this information is incorrect or unverifiable, please ensure it is updated or removed accordingly. 
Additionally, if it is determined that any of this inaccurate information has caused harm to my creditworthiness or has been willfully reported in violation of the FCRA, I am aware of my right to seek damages under 15 U.S. Code 1681o. 

I kindly request that you send me a written confirmation of the results of your investigation as well as any updates made to my credit report.
Product: Credit reporting or other personal consumer reports

I have medical debts from a company that's unknown showing up on my credit reports. I want to remove as soon as you can.
Product: Credit reporting or other personal consumer reports

To see if the bank will continue to bury themselves in the process of procedures to show that consumer concern or Solutions any Solutions are not time to be meant this company is intentionally trying to hardship people its intentionally trying to predatory people it's intentionally double double dipping and getting money from paid off chargebacks and extortion fees has been extorting me for many years to the point it's been past Statue of limitationsTo the point it's been passed many disputes that in the disputes it was ruled to be deletedAnd other other credit report it has been deleted but just so happensThis bank will not delete itIn fact they have it past XXXXtatue limitations they haven't passed violations that have a past not only violations but criminal charges nowI am going to take this to aCidAnd personallyI amBeen under a lot of hardship under it because of itAdvances discriminations andGo ahead and continue the same behavior because when it comes to court it's going to be very very easily spotted when I have a stack full of papers and your responses where all the same
Product: Debt collection

Ask for validation and was not sent no information. The debt has different amount and when reported it keeps going up. Keep calling and calling on Sundays even at night after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They reported something into collections in XX/XX/XXXX that was paid off years ago. I even called the debtor and they said there was a mistake, that I had overpaid and the collection would be removed. They mailed me a letter confirming I had overpaid and there was nothing due. But the damage was already done, my score dropped over 100 points and five months later the collection is still on my report.
Product: Credit reporting or other personal consumer reports

They are reporting my {$170000.00} student loan as DEFERRED WITH PAYMENTS TO BEGIN IN XX/XX/XXXX. I have requested correction several times. Each time they send me a form letter with no correction to my credit report. In addition they are reporting an extremely out dated account listed as last updated in XXXX so it should actually drop off completely? I even sent through this XXXX website proof showing that XXXX XXXX XXXX account as XXXX DUE PAID IN FULL WHICH THEY ARE IGNORING. I have been turned down for credit because of this and I have proof. I HAVE TRIED TO FIX THIS WITH ALL XXXX agencies several times with no success. 

I am on hold with XXXX. I am trying to get them to correct it as no one at EXPERIAN WILL FIX IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XX/XX/XXXX asking that they verify the debt of several accounts. After the first letter, they deleted 2 accounts in their response on XX/XX/XXXX but did not verify any accounts. On XX/XX/XXXX, I sent another letter requesting proper verification of the remaining accounts as well as the name of the person who verified the accounts. On XX/XX/XXXX, Equifax replied by simply stating, " We have verified that this item has been reported correctly '' and listed dates and amounts of said accounts. I sent a third letter on XX/XX/XXXX, asking again for verification of the remaining accounts. I was able to remove 2 of the account from my list after doing a little research myself but I have never done any business with the remaining 2 accounts so I am looking for a true validation of debt to determine why and how these 2 collections were listed on my credit report. In their response to my 3rd letter, they stated, " We have reviewed your concerns and our conclusions are : Please be specific with your concerns by listing the account names, and numbers, and the nature of the dispute. '' Their final response was very disappointing because they simply pretended that I did not send them anything. Each letter was sent with a copy of my driver 's license, my SS #, and a letter with a list of accounts. Each letter was also sent certified mail so I was completely taken aback by their latest response and thus the reason for the complaint. Proper verification of the 2 remaining collections listed on my credit report would be greatly appreciated. I would like a solid verification as outline in all three of my letters without defecting and placing the blame back on me.
Product: Debt collection

Maximus, inc doing business as Aidvantage is continuing to report I owe a debt that is discharged. Maximus, inc accepted payment of this debt obligation and as the indenture trustee XXXX XXXX XXXX XXXX XXXX had the duty in ensuring my security was properly handled. Under the Securities Act Maximus, inc and XXXX XXXX XXXX XXXX  XXXX. or both in violation of federal law in the handling of securities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX, Addresses that need to be removed : - XXXX XXXX XXXX XXXX XXXX, GA XXXX - XXXX XXXX WY XXXX, GA XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX Account Number : XXXX, has violated my rights. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I have sent numerous letters via Mail and have not had a response back yet. 
Per FCRA all information on my credit report must be accurate and consistent. I have provided a screen shot showing one of the accounts reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting act XXXX this account below has violated my rights according to 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. 

Please delete this account from my credit report. 

XXXX. Account Name : XXXX Account # XXXX
Product: Payday loan, title loan, or personal loan

I took out this loan in XX/XX/XXXX to help pay off my credit cards. It was offered to me through XXXX XXXX. I fell behind in my payments due to the mortgage interest rates raising in early XXXX and Im a XXXX XXXX that is greatly affected by the mortgage industry decline. I told the company this. They offered lower payments, but I told them I was paid on XXXX. The payments started to come out on different days, causing them to bounce from my bank. Net Credit applied {$25.00} late fees, but no where in there materials does it state they apply additional interest. I caught up with my late payments today, but noticed when I did this, the payoff on my account is {$8800.00}. The make the payment screen is the only screen that shows me this figure. When I look at the first screen when I log in, which is my account summary screen, the loan balance shows {$4900.00}. That is a difference of {$3800.00}. When I look at my loan details screen, I see the late payments, the charge interest is no where disclosed. On my summary screen with my loan principle remaining of {$4900.00}, there is no disclosed interest owed and nothing shows a total balance, which leads me to believe I owe {$4900.00}. My loan details screen does not show {$3800.00} in interest anywhere, and my Full payment schedule doesn't show it. I called an inquired about showing the breakdown of {$3800.00} to me. I was on the phone with a representative for 41 minutes. He was nice, and tried to be helpful, but he kept telling me he showed on his screen I owe {$8800.00}, I told him that doesn't show on my summary screen, and I can not locate any breakdown that shows me the charges between the loan balance on the summary screen and the payoff in their system. He couldn't find anything to provide to me. I know under the laws and the fact they have an NMLS # they have to be fully disclosed to show me a breakdown of the payoff, but they don't have one. I want to pay this loan off, but I need to shown the breakdown of the different between the loan balance and the amount due.