23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

BECU updated their online payment system for auto loans and as a result deactivated my auto payments. Additionally, the system update changed interest payments to principal payments, then proceeded to charge late fees for 6 consecutive months. Every month BECU was called, every month BECU manually reversed the late fee charges, but BECU never restored auto payment nor cleared the backend of the system to acknowledge payments were made. In XX/XX/2022, BECU acknowledged their error and said that they could offer to reallocate XXXX payments to fix. I explicitly said they were NOT allowed to proceed with the suggested solution, as their solution would result in an increase of what I owed by over {$300.00} and result in excessive incurred due for interest over the life of the loan. As every single payment had been made and the only reason there was a problem was due to a BECU cause error, an appropriate solution was not forcing me to bear the financial burden. BECU said they would escape the call to someone who could revert the error and call me back. After disconnecting from the call BECU illegally transferred money out of my savings account, changed principal payments to interest payments, and have been incorrectly charging me an increased monthly payment for over a year. I have called every single day and every day they say they will get back to me. They never do. Today I finally got someone to actually engage in a resolution but he said because the issue occurred prior to 60 days ago there was no possible path to resolution. This is a crime. BECU stole my money then intentionally did not engage for 60 days to try and work their way out of their crimes. I have lost over {$1000.00} of personal savings and have a debt over over {$1000.00} illegally added to my name. BECU needs to reimburse me the stolen money and readjust the reflected amount on the auto loan to accurately reflect the actual amount owed.
Product: Prepaid card

I was issued funds from my California state XXXX XX/XX/XXXX distributed to a XX/XX/XXXX. I understand XX/XX/XXXX is a subsidiary of XXXX XX/XX/XXXX. I filed a claim withXX/XX/XXXX for a debit card I did not receive by phone on XX/XX/XXXX. On XX/XX/XXXX a customer service Agent with XX/XX/XXXX advised me that the account would be closed because there was fraud activity. The remaining funds in the account would be sent to me in a check processing on XX/XX/XXXX. 

A check was being issued to me on that date in the amount of {$6500.00}. 
. 
As of today 's date XX/XX/XXXX I still have NOT received the funds from XX/XX/XXXX 

I have made multiple attempts to contact XX/XX/XXXX by phone. The automated phone systems at times hang up on callers or there are wait times upwards of 1 hour to get an agent. 

On XX/XX/XXXX anotherXX/XX/XXXXcustomer service agent informed me that not only was due a check for {$6500.00} but another check for the fraud funds taken from the unreceived debit card was being processed and should be received within 14 days. A check in the amount of {$860.00}, was being issued on XX/XX/XXXX. As of todays date XX/XX/XXXX I have not received this check. 

Multiple calls, and letters to both XX/XX/XXXX and its parent bank XXXX XX/XX/XXXXhave been made without resolution. 

I have asked on multiple occasions if funds can be electronically sent and was denied, each time agents say I have to wait on mail and wait 14 business days before any more action can be taken. It's been over a month since I first filed a claim, and I have still not received the funds fromXX/XX/XXXX This situation has caused me severe financial distress and harm. 

Total due that of {$7400.00} in benefits that Money Network has not sent to me. 

XX/XX/XXXX claim number is di XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX, 2014 They have never complied with providing me with proper ink signatures between me and their companies upon any agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- PERSONAL ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I received a call from a local number : ( XXXX ) XXXX. They identified themselves as a debt collector called " hrrgcollection.com '' and asked if I was XXXX XXXX. I said yes I was. They then asked for me to verify my date of birth. I asked what this was about and the caller stated before proceeding they must verify my date of birth. I told the caller I could not provide PII as I had no way of verifying if the call was legitimate. Furthermore I had just checked my credit report the week before and had nothing in my report about any outstanding bill, nor was I aware of anything that may be outstanding as I keep track of all my bills that I receive. 

At that point the caller said he would record that I " refused to identify myself '' and hung up. However this is incorrect. I had identified myself as XXXX XXXX. When I called back to see if this was a scam or legit. I spoke to another representative and explained to them that I was very dissatisfied with how this first call was handled and that I can't just give out my DOB unless I know who is on the other end of the call and have high confidence that they are legit. She was willing to take my verification of my home address instead of my DOB. And I was OK with giving her that information since my name and address is a public record. 

I did express to the second representative how unhappy I was with how the initial call was handled. However she did not offer an apology. When I spoke to her supervisor to complain he argued with me for several minutes and I asked him why it was that they handled the initial call in the way they did. I asked why they didn't apologize for that. He offered the apology ( after I asked for one ) and when I said it really isn't right that I have to ask for it, he said " well we're a collection agency ''. 

I did tell him that I need to first verify with my insurance company before I can give out any financial information to settle the account he was referring to as I had already paid the balance of my hospital visit in full and was not informed that there was still a {$36.00} balance remaining. And second that this was a legit collection. 

My complain is two-fold : first it was inappropriate for the first caller to say that I " refused to identify myself '' as I did do so. Second it was inappropriate to not offer the second verification question as an option, my home address, which the second representative did do when I called back. Third it is this attitude that this collection agency and they can simply treat whomever they call any way they wish. We do not have any obligation to provide them with PII upon request without knowing who they are or if they are legit. Anyone can call me and say they are collecting a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF TRUTH CREDIT REPORT DISPUTE & IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN/TIN XXXX XXXX XXXX XXXX have written this affidavit pursuant to Title 15 UNITED STATES CODE 1681a Definition ; rules of construction to dispute furnished information that is identified as falsely reported without XXXX XXXX XXXX written permission on a credit report with your agency that bears XXXX XXXX XXXX personal and private information . XXXX XXXX XXXX as the private identified person request that you provided the following : Proof of Claim. That XXXX XXXX XXXX gave your agency written permission to create a report using my personal and private information. ( Title 15 UNITED STATES CODE 1681b Permissible Purpose of consumer reports ) Proof of Claim. That your agency has not taken XXXX XXXX XXXX personal and private information and sold it for profit to a third party. ( Title 15 UNITED STATES CODE 1681c-1 Identity Theft Prevention ; Fraud alerts and XXXX XXXX alerts ) Proof of Claim. That your agency did not obtain XXXX XXXX XXXX personal and private information to report negative data to disable and/or prevent XXXX XXXX XXXX from obtaining credit as a consumer. ( Title 15 UNITED STATES CODE 1681q Obtaining Information under false pretenses ) Proof of Claim. That your agency is the sole furnisher of XXXX XXXX XXXX personal and private information ; if not, XXXX XXXX XXXX request that your agency provide the name and address of the agency that provided your agency with XXXX XXXX XXXX personal and private information. ( Title 15 UNITED STATES CODE 1681s-2 Responsibility of furnisher of information to consumer reporting agencies ) Due to the time-sensitive nature of this affidavit, under necessity, you are to respond with Proof of Claim within ten ( 10 ) days plus three ( 3 ) days grace granted by return service by certified priority mail to principal address. 

Should you fail or refuse by non-response to this affidavit within the time frame specified, general acquiescence and acceptance will be taking on your agency part as formally exercise and performed pursuant to your agency silence and dishonor ; there for your agency accept and recognize Title 7 UNITED STATES CODE 13 ( a ) ( 4 ) and shall be reliable for a maximum fine of XXXX XXXX dollars ( {>= $1,000,000} ) for each violation.
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 15USC 1681. 
Company Name : XXXX. 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. Bankruptcy reference # XXXX XXXX. Bankruptcy reference # XXXX XXXX. Bankruptcy reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights! 
15 USC 1681 section 602 A. states, I have the right to privacy.

15 USC 1681 section 604 A, section 2. states, A Consumer reporting agency can not Furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing any of the following : Items of information, any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ), states, 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 errors or is inaccurate.

A
Product: Credit reporting, credit repair services, or other personal consumer reports

I had made multiples complained to during the past 3 years to Experian, XXXX and XXXX about fraudulent accounts, inquiries and my personal information been incorrect. I keep getting information back about the accounts been verified. I asked for proof of validation along with proof of my signature in all those accounts and nothing has been provided. Investigation had taken over 60 to 90 days without a positive outcome despite sending all the police reports.Those accounts had been disputed over the years since my identity was stolen. Also my social security number and name has been change which has made difficult to get employment and credit due to all the mistakes on my credit reports with all XXXX  credit bureaus. Please get all the wrongful information deleted from my records. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX, NAVIENT, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, NAVIENT, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

Navy federal Opps fees {$20.00} per transaction although it says that they do not do that, or if the fund are there.
Product: Checking or savings account

Overdraft fee I currently have a collection on the account due to unexpected charges which lead to overdraft fees. My paycheck wouldn't clear until the next day.
Product: Credit reporting or other personal consumer reports

The organization will not respond to letters disputing incorrect information under FCRA Sec XXXX, XXXX, XXXX, XXXX. 

No response was received after XXXX days after the letter was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX OH XXXX please remove the following phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Student loan

1st issue- Upon Mohela transition to their new platform in XXXX XXXX my payment in XXXX XXXX XXXXXXXX was applied to only XXXX loan ( Loan # XXXX ) out of the XXXX i have with them. I was not able to see my loans due to this transition but made my payment. Once I figured out was happen I called Mohela on XX/XX/year> to figure out why my payment was not applied correctly. They informed me that it would take XXXX business day to retroactively apply the amount across the XXXX loans. XXXX business went by and I called them on XX/XX/XXXX asking about an update. They informed me that now it was going to be XXXX business day due to their volume. I told them I was never informed of this add time frame and they explained to me they did not have tell me. This has been dragged on for too long and I need them to fix their problem so I can properly apply for loan forgiveness. 


Second Issue- On XX/XX/XXXX I received two messages from Mohela that effective XX/XX/year> my loans transitioned to their new platform, however it was only for XXXX ( loan XXXX ) out of the XXXX loans. I received a statement total amount due of {$100.00}. I called Mohela in early XX/XX/year> to discuss the discrepancy in the amount the whereabout of loan XXXX. I was informed that for " some reason '' loans XXXX got stuck in the old system and never transferred over. This took a couple of weeks to fix. Once it was fixed my payment for loan # XXXX did not start until XXXX which delayed my current schedule of obtaining XXXX XXXX  payment. I asked them to add my XXXX loans to the XXXX statement so I did not have to delay my XXXX  forgiveness any further since XXXX I was placed in Admin forbearance and did not have a payment. They told me they could not do that. I was forced to pay the amount of XXXX loans in XXXX which altered my Forgiveness time frame even further.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.

4 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days. Ive already included this in my previous request & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/2021 I attempted to make a payment for my loan on my house. It was late, but within 30 days and so I should have been in the clear to make a payment. 

Logging onto MyLoanCare 's online payment portal, the system refused to accept my payment stating to call customer service. I called customer service and attempted to make a payment via the phone system, which also had an error and refused to accept my payment. It then redirected me to a live human representative, who I asked to make a payment with. The individual put me on hold for over 30 minutes before the system redirected me to another customer service representative.

This next CSR put me on hold again for 5 minutes after stating there was a " stop '' on my account so that they could " recalculate principal balances '' preventing me from making a payment. She said she would need to speak to a supervisor to attempt to remove this stop to allow me to make a payment. After returning from the hold, she stated she was able to remove the " stop '' and that I should try the online system again in 20 minutes.

This was already late in the day and so when I attempted 20 minutes later, the system did not accept my payment. I attempted again some minutes later and was locked out. 

Calling the automated phone system later in the evening did not work as well. I was unable to dedicated another 30 minutes+ to waiting on hold as my 3 year old child needed dinner and to be put to bed.

Attempting to use the online system later, they now are reporting it as " 30 or more days late '' and I suspect will report to the credit union. I believe Loancare and the mortgage company behind it is attempting to force a 30day late to prevent a refinance to my employer XXXXXXXX XXXX or for other unscupulous reasons.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft back in XXXX, I started to see credit cards, student loans, and auto loans on my profile. I asked the school and Mohela to investigate to have this remove due to my police report and identity theft affidavit but every time they keep transferring this account to different different depart and not removing the account. 

Last they agreed to remove the but for some reason they contact me and said the account being service through a new company even though its a fraudulent account. So i need your need your help cause they trying put a debt in my name that is not mines. 

on my credit file its showing 2 student loans, XXXX : Mohela Account # : XXXX Open XX/XX/year> Balance {$1400.00} : Mohela Account # : XXXX Open XX/XX/year> Balance : {$1800.00}. All account has interest with late payment which is hurting my credit.
Product: Mortgage

Im writing in regards to my father. He has since passed away. He sold his house to my husband and my self in XX/XX/XXXX we have been having difficulty paying our mortgage. All the paperwork that comes in regards to this is also sent in his name. Why? I have a copy of the original mortgage that show we took out he mortgage. He has since passed away from XXXX and we need to get this straightened out.
Product: Debt collection

Navient which is a branch of XXXX took over this debt XX/XX/2006 and because Navient was not able to collect on the debt has now contacted XXXX XXXX XXXX XXXX to collect the debt that is too old to be on my credit file and was due to be taken off last year. XXXX XXXX XXXX XXXX is now contacting me to collect on the debt because Navient has contacting them to get another collection agency on my report and to attempt to keep the debt alive. These unfair tactics and practices are in violation of law and want them both removed from my credit report and want the harassing mail to stop.