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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... Some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the TransUnion 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 my 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 creditor. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX CARD SER XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX, XXXX. XXXX Open Date XX/XX/XXXX XXXX : {$0.00}
Product: Student loan

I am writing to file a formal complaint on loan servicer, Navient. This complaint is based on Navients inability to provide me with correct information with my student loan and the lack of customer service that I received via phone. This complaint could be divided into the following topics : Consistency, Disclosing Information, and Customer Service. This complaint reflects Navients negligence in providing me with adequate loan servicing which could be looked as unfair and deceptive. Consistency : Over the course of three months, I have been told inconsistent and wrong information in regards to my repayment options. The first time I called Navient, the representative stated that I was ineligible to consolidate my loan or apply for any loan forgiveness plans based on the amount of my income. The representative also told me that the loan could not be refinanced being that the loan is a federal loan. I later researched and found out this was untrue. The second time I called, the representative told me that I actually could consolidate my loan and that once she entered in my information ( income of $ XXXX/year and a family of XXXX ), she then told me that I would be qualified for loan forgiveness this year and that my monthly payment amount would be {$0.00}. She instructed me to complete an application from U.S Department of Education to finalize the process. A couple of weeks after I completed the application, I received a notification that my monthly payments would be {$220.00} for twelve months. After receiving the email notification, I called Navient and was told that the previous reps have told me the wrong information and that I am on the lowest payment plan. Due to Navients pattern of providing me inconsistent and wrong information, I have lost trust with the company. Disclosing Information : I have asked over 3 Navient representatives for an amortization schedule. All of the reps have informed me that the company does not provide amortizations schedules. I have also ask a manager to send me information in regards to how much of my loan will be forgiven based off my loan consolidation. I have yet to receive any information. As a consumer understanding how each payment is allocated is important to me. I am unknowledgeable of how my payments are truly allocated due to Navients inability to provide me with my loan information Customer Service : Due to the lack of knowledge from the representatives from Navients call center, most of my calls have been escalated to upper management. I have been told from 2 managers that I would have my account reviewed and that I would be receiving a follow-up call. I have never received a call back from anyone from Navient. As a consumer, I highly dissatisfied with the service that I have received from Navient. I am asking that my account be investigated and reviewed as soon as possible. Sincerely, XXXX XXXX
Product: Debt collection

Harris and Harris have called nonstop in reference to a debt owed by my husband. They have made contact with my husband and call his phone on a daily after they were asked not to call. They have also contacted me, and I told them to put it in writing. Today XXXX my XXXX  child was at school and received a call from Harris and Harris telling my XXXX  child to have her dad contact them. My daughters phone number is not on the account and is not in my name or my husband 's name, so I don't understand how they receive this information. I asked for something in writing, and they said they mailed it out is XXXX. We never received anything, and this is getting to be a lot for a small debt that I could take care of after the holidays. The debt they are saying that is owed is also the wrong amount.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, inc. ) due inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for thesis violations.
Product: Student loan

I am getting threatening phone calls from Navient, they are asking me to take money from my XXXX to play for my private student loans from the XXXX XXXX of XXXX from 2008. 
Navient had also called my childs daycare looking for me in regards to these student loans.
Product: Debt collection

Over the years, I have written several letters in hopes of rectifying this situation. I have received a letter stating that this debt was written off as a charge off in XX/XX/XXXX. This company is now reporting inaccurate information to all three credit bureaus, claiming that this is a new debt and that this account was opened in XXXX. According to a letter I received from XXXX XXXX XXXX XXXX XXXX. This account was opened on XX/XX/XXXX and charged off on XX/XX/XXXX with a balance of {$1500.00}. On my credit reports, this company is stating I now owe almost {$1800.00}. Which is completely incorrect. I am asking for this company to be reinvestigated for posting inaccurate information and I would like for this collection to be removed from all three of the credit bureaus. This is not my debt and I have been fighting this for so long. I did not authorize for this account to be sold and it should not have been reopened as a new debt. This is harming my credit and I would like for this to be rectified as soon as possible.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> : Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> : Account name : XXXX XXXX  Date of Inquiry : XX/XX/year> : Account name : XXXX XXXX  Date of Inquiry : XX/XX/year> : Account name : XXXX Date of Inquiry : XX/XX/year> :
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several negative items currently listed on my credit report, which I believe to be incorrect and unverified. These erroneous entries are severely impacting my credibility and financial standing.
Product: Mortgage

My loan number with selene finance XXXX my social security number is XXXX XXXX my complaint is that selene finance refuses to put me on a repayment plan I'm XXXX XXXX payments behind I recently sent in a payment itold them that I was a little late but they told me that I have to do another workout sheet. My complaint here 's is that I'm worried that they will still denied my application and also their was a news media report that selene finance is unlawfully filing foreclosures on people that are three months behind and telling them to do short sales. Even when they still apply for a repayment plan. And their a class action suit against them. So what I'm asking selene finance is to put me on a repayment plan I attend to keep property
Product: Checking or savings account

I did filed in a complaint about a cash being taking out of my account and what I received back was a past document from XXXX and what I came to realize is that the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I made an additional payment of XXXX to my loan and want to know how many payments are left on my loan for my XXXX planning. Bank XXXX doesn't provide XXXX schedule so I call their customer service. Customer service didn't answer my question or provide with an alternative for me to calculate remaining months or last payment date or a way for me to find out what would be the final date/month for this loan. I have no way to verify if my additional payment had any impact on the loan. I have no way to find if bank will continue to charge me for original XXXX months or less.
Product: Credit card or prepaid card

I was alerted about an account with Total Visa that was opened without my knowing when they contacted me about the debt. I was the informed by the agent that the address on file was a hotel. There were payments made on the account by a person some returning and others posting linked to a XXXX XXXX. I received another call for a {$300.00} balance on XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed that there are some inadequate information on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax, Transunion, Experian Subject : Dispute of Negative Items on Credit Report Dear CFPB I am writing to dispute all negative items on my credit report. I believe these entries are inaccurate and have requested a investigation from all three bureaus with no communication Please review my report and remove negative information. 

Thank you for your prompt attention to this matter. 

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

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Qualified Written Request and Complaint against PennyMac Loan Servicing, LLC and XXXX XXXX XXXX XXXX, as a Paying Agent for some XXXX XXXX XXXX XXXX. 
On XX/XX/2021 some Third Party Payment Processing Services ( who lacks any corporate identity or contact information ) submitted {$1000.00} payment via XXXX XXXX ACH for my home insurance policy from someones home on behalf of some Mortgage Company who lacked any banking information and reference number to this transaction. 
According to Financials prepared by XXXX XXXX XXXX XXXX, my home insurance due was {$600.00}. 
Please provide me the full corporate name and contact information for Third Party Payment Processing Services ; and which relationship it has to PennyMac and XXXX  XXXX XXXX XXXX  ( who is accepting my payments money from PennyMac, thus is responsible for all outgoing payments related to my escrow account ). 
Please explain how amount {$1000.00} was calculated if the due is {$600.00}. 
Please provide me the name and contact information for XXXX XXXX XXXX XXXX and PennyMacs accountants who authorized this payment. 
Please provide a receipt for this payment.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq., debt collectors are prohibited from engaging in any false, deceptive, or misleading practices inthe course of debt collection ( 15 U.S. Code 1692e ) .3. **Violations under the Fair Credit Reporting Act ( FCRA ) **The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., requires that consumerreporting agencies adhere to reasonable procedures to ensure the utmost accuracy of information pertaining to individuals in their reports ( 15 U.S. Code 1681e ( b ) ) .4. **Identification of Specific Inaccuracies**I have meticulously identified several inaccuracies on my credit report, including but notlimited to incorrect names, erroneous account information, inaccurate account histories such as incorrect dates of opening, inaccurate high credit amounts, erroneous credit limits, inaccuratelast payment details, incorrect comments, flawed dates of last activity, and inaccurate lastpayment dates : These inaccuracies listed below are not only misleading but also damaging to mycreditworthiness and reputation.5. **Illegally Reported Accounts**Pursuant to 15 U.S. Code 1681i ( a ) ( 2 ) ( A ), upon my dispute of the information, thecredit reporting agency is required to notify the furnisher of the disputed informationwithin five business days. The furnisher then must conduct an investigation and reportthe results to the credit reporting agency. **Demand for Correction**6. **Failure to Correct Information**Despite my disputes, the aforementioned inaccuracies remain on my credit report, indicating that either the furnisher failed to conduct a proper investigation or the creditreporting agency did not fulfill its duty to ensure maximum possible accuracy.7. **Legal Action**Failure to comply with these demands may result in legal action against the creditbureaus and the furnishers of the incorrect information under both the FDCPA andFCRA. I reserve the right to seek any and all remedies available to me under the law, including but not limited to statutory damages, actual damages, and legal fees.8. I hereby demand that the credit bureaus [ Experian, XXXX, XXXX ] Immediately investigate these inaccuracies and correct or remove theerroneous accounts from my credit report. This demand is made under the authority of15 U.S. Code 1681i ( a ), which obligates the credit reporting agencies to correct ordelete inaccurate, incomplete, or unverifiable information.
Product: Credit card

Lowes hardware store credit card/synchrony bank . the total debt is {$4700.00}. I sent a payment of {$2200.00} on XXXX XX/XX/year> with the intention of improving my credit score so I could get a consolidation loan. Lowes confirmed recept of the payment in an email the same day. at the end of the month synchrony mailed a monthly statement saying the account is delinquent. I also have a notice that my credit score dropped by XXXX points. as it turned out my bank- XXXX XXXX XXXX processed the payment from an account that I was not using while the money sat unused in the account that I had funded to cover the payment. still, I had no notice from synchrony bank and I could have easily correcxted the problem. synchrony bank sends late notice payments year round no matter how consistently I pay them. so its hard to tell when they are crying wolf. especially when I make a special effort to get ahead of the most difficult lender. Synchrony is abusive. they abuse collection practices when I am making good faith efforts to pay them off. synchrony abuses credit reporting practices by reporting when I am making every effort to pay them. synchrony now fails to find my account or take any payment at all. I called eight times yesterday and they could not recognise my account number or name or phone number. this is an incompetent and dishonest practice. synchrony uses dishonest, passive-agressive tactics to avoid settling the account so they can do more harm, more false credit reporting, more destructive collection practices when I have the money to pay off the account and they refuse the allow for any resolution. synchrony offered to start a 60 day investigation. it wasn't clear what they are investigating or why it takes 60 days to find my account or how it would resolve the current problem of then refusing to allow any resolution without synchrony doing further harm to my finances and credit standing.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any 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: Debt collection

A debt collection by affinity plus in the amount of {$1600.00} its still remaining on my XXXX and Trans Union credit report, but has been removed from my XXXX report rightfully so I would like all three of my credit report to match by law, This is my right, so I am submitting a complaint.
Product: Debt collection

I want evidence of this debt, i dont recall any account from this company.
Product: Credit card

I've been a discover customer since XXXX. Every year they increase my interest rate on my credit card making it impossible to pay off. I started with a XXXX XXXX interest rate and now it's up to XXXX XXXX. I called them on XX/XX/XXXX and an automated system just told me they couldn't do anything about my rate.