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

XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX XXXX XXXX, I am responding to your submission to the Consumer Financial Protection Bureau regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your efforts to investigate this matter, but I must assert that several issues remain unresolved, and I believe federal law violations exist. Truth in Lending Act ( TILA ) - Title 15 USC 1601 : Requires lenders to disclose key terms and costs of credit for car loans. I did not see that or a copy of my notice of my right to rescind. I request my downpayment FOR VIOLATION OF Title 15 USC 1605 ( a ) & ( b ) My downpayment was not factored in the finance charge as on page 4 that you sent. Fair Credit Billing Act ( FCBA ) - Title 15 USC 1666 & Regulation Z ( 12 CFR Part 1026 ) & Discrepancies in Balance ( Title 15 USC 1639 ) : The balance listed in the document you provided on XX/XX/XXXX said the balance was {$310000.00}, which is not reflected on my credit report. The balance of page 15 of the document you provided stated the balance was {$4800.00}. my credit report, published XX/XX/XXXX, proves your response about everything being accurate to be false : They all show inaccurate information published by XXXX, as stated in your response. Please see the highlighted portions. Regardless of XXXX  preference, the Equal Credit Opportunity Act ( ECOA ) - Title 15 USC 1691 et seq. protects me from XXXX from continuously furnishing inaccurate information reflecting negatively on my protected class. Please provide the address from which the car was removed and the call to prove that my XXXX mail was non-deliverable and that I continued sending mail there. On pages 11 and 13 of the documents XXXX sent, the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, stated that XXXX had my car because I broke promises in our agreement. Please describe the broken promises in our agreement. Also, please provide the deal made between XXXX and me. Please see the three attachments : ( 1 ) confirming my identity, ( 2 ) from XXXX, ( 3 ) from me, with evidence of the fraud committed against me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX loans on my credit reports for XXXX, XXXX, & Equifax showing at= late or negative mark on XX/XX/XXXX. I rehabilitated the loans in XX/XX/XXXX. No negative marks should be showing after rehabilitation of the loans.
Product: Debt collection

On XX/XX/2022 I Sent A Debt Validation Letter To LVNV Funding Regarding Account # XXXX And Also A Cease And Desist I Recieved A Response From Resurgent Capital Services For Account # XXXX And What Was Stated On The Letter Was This IS A Attempt To Collect A Debt This Is A Violation Of 15 USC 1692b ( 2 ) That's {$1000.00} For That Violation And I Have Proof Of This Violation Then On The Letter It Stated Because Of The Age Of The Debt LVNV Funding Can Not Sue I Asked For A Paper Trail On This Accout Statements Does Not Validate This " Alleged '' Debt And Further More I Would Like Resergent To Send Me Valid Proof They Are Aurthorized To Collect " Alleged '' Debt In My State If The Account Is " Charged Off '' Then How Is It A Balanced Owed As Well? I Never Received A 1099 I Guess LVNV Funding And Resurgent Capital Services Uses Debt As A Tax Write Off Plus Continue To Collect On Money They Already Received I Have Not Ever Done Any Business With LVNV Funding Or Resurgent Capial Services I Would Like To See A Contract With My Signature With Both Company 's Resurgent Capital Services Is Committing Identity Theft Pursuant to 15 U.S Code 1681a ( q ) ( 3 ) Resergent Capital Services has commited the act of " Identity Theft '' Using the identifying information of such Person, Never Gave Them Written Instructions To Furnish Any Information About Me To The Credit Reporting Agenices Resurgent Capital Services Is Causing Me Great Mental Anguish And I Will Seek Litigation {$1000.00} Per Violation As Stated On The Cease And Desist I Would Like A Check Mailed To Me As I HAve Valid Proof Of Your Violations The FCRA IS Here To Protect Me And I Have Rights And You Have Broken Them Also Iv'e Sent A Affidavit Of Truth And Fauiler To Respond To It Line By Line Will Result Is Litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
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. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous information reporting on my Credit Report : XXXX
Product: Student loan

Last year my student loans came into repayment. I got an income driven repayment plan which brought my payments down to {$250.00} per month. This year I did my recertification and due to the sale of a vacant lot which was a money pit for me, my adjusted gross income went up to XXXX. The money was used to pay down my credit cards. I do not have this money any more. Now my oldest son 's loans are going into repayment ( PARENT loans ) ( He graduated on XXXX XXXX, XXXX ) which brings my monthly payment to {$1000.00}. roughly. I pay {$1000.00} for rent, {$1000.00} on a personal loan, and with this payment amount for the student loan. Totaling {$3100.00} per month. My paycheck is {$1600.00} biweekly. totaling {$3300.00} Take the three payments and I 'm left with {$180.00} to pay gas, electric, cable/phone, credit cards, medical expenses ( I have a number of conditions XXXX ), bus fare, and food. I thought they are supposed to make this affordable. This will put me in ruin. I want to make the payments, but I ca n't and do n't have the money to pay this high amount. It 's impossible. I 'm the only one who is working in my home. My husband has not worked since XX/XX/XXXX due to an accident. I 'm it. I need assistance to get this lowered. I am not trying to get out of it. I just want it to be affordable and that it does not put me in a bigger whole. I still have credit cards even though I paid them off, I do n't make enough to pay the bills so I have had to use them again. This is putting an incredible amount of stress on me which affects my pain and my diabetic sugar levels. The first payment is due XXXX XXXX. I have rent to pay on the first and my personal loan on XX/XX/XXXX. How do they expect my family to survive. My servicer is FEDLOAN.ORG This is excessive. I do n't want to file for bankruptcy and wo n't. I do n't want to jeopardize the loans for my youngest son. I will pay but the repayment they are seeking is impossible. I tried looking for another job but they all want me to take a $ XXXX pay cut. I am an expert in my field but no one wants to pay what I am worth. Not even what I make now. My contact number is XXXX
Product: Debt collection

the debt collector called me last 2 months ago in paying off my account. and i already make the payment. but they did n't close the account and now i recieved collection payment from different company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Experian to let them know that one on my account are not showing accurate information I let them know that it should not be showing a late payment. The creditor sent them information to have it removed and they still haven't removed or updated the information Experian states they are not receiving documents even thorough it was sent out twice Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The 10 years on my bankruptcy occurred in XXXX 2023. The credit score on my Equifax account generated by Vantage has not been adjusted or changed to show the bankruptcy removal. There is a statement of the Equifax website that reads that my score is impacted by a bankruptcy and recent delinquent accounts.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act USC 15 1681 section 602a states " there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy ''. My rights to privacy as per the Privacy Act of 1974 have been violated by XXXX XXXX XXXX subsidiary to XXXX XXXX, XXXX, XXXX, and TransUnion. ( 18 USC 241 ) XXXX, XXXX, and Transunion are consumer reporting bureau 's and I'm the consumer. i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX has violated my federally protected rights under colorable of law, and their own CORPRATE CORE VALUES AND POLOCIES specifically 18 USC 242, as well as Failing to follow federal law and FDCPA and many more. I've inquired injury and mental stress emotional damage and injury to my consumer report to provided for my family. XXXX XXXX XXXX has committed SECURITIES FRAUD by obtaining and trying to collect from a certificate of indebtedness without the proper authorization, furnishing false and misleading statements on my report, 18 USC 1028, 15 USC 1681b, states who can authorize that and i did not. continuous violations need to be met with compensation due to my federally protected rights being violated, and they refuse to follow the law. 15 USC 1681a ( 2 ) ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
15 USC 1681e states " ever consumer reporting agency shall maintain reasonable procedure designed to avoid violations of section 1681c of this title and limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX, and TransUnion are not maintaining reasonable procedures.
Product: Checking or savings account

- I was in contact with Wells Fargo in regards to fraudulent charges that appeared on my bank statement. Due to those charges in addition to my payments that were on autopay I was put into the negatives and then charged overdraft fees by wells Fargo on top of that. Instead of fixing and helping with the fraudulent charges they ended up closing my account in XXXX of 2022 and now I have no access to online banking. Wells Fargo also claims that I owe them a couple XXXX dollars.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX - Balance {$580.00} XXXX  # XXXX - Balance {$880.00} XXXX  # XXXX  - Balance {$230.00} XXXX  # XXXX - Balance {$110.00}
Product: Debt collection

A credit card collection was send to my XXXX credit report by LVNV Funding LLC from XXXX XXXX XXXX XXXX  for {$680.00} I found the collection company number on my XXXX report and I called and spoke to a representative on Saturday XXXX  requesting an explanation, but the representative couldnt give any because she couldnt find a file with my information social security or phone number therefore she told me to contact XXXX and I did on Monday XXXX the representative advised me to follow the present report
Product: Checking or savings account

I have a wells Fargo business and personal checking account. I called at XXXX XXXX central time and was talking to a female. I wanted to know if i deposit a foreign currency check into my Wells Fargo then what will happen? how the currency conversion happens? How much time it will take for money to come to my account? How to do that? 

This female was not at all in a mood to do the work? 
When she was wasting my time and i tried to have a focussed discussion she threatened me to hang the call. I simply asked her the question in a different manner. But still this female pretended that she is not able to hear me- we were on the phone call for almost XXXX minutes ( some wait time and going thru the menu initially ). Then she hang up the phone on me.
Product: Student loan

Navient has decided to send all communication to me electronically in an attempt to steal from me and put me in default. I told them I want all communications to be in writing and to not contact me via email in any way. Navient is also miscalculating the amount due on my loan. The last statement is incorrect. 

Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the TransUnion Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Bureaus are required to remove any ITEMS which were opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the TransUnion Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX/XXXX/2015 at XXXX I was contacted by someone stating that they had a criminal complaint and were looking for XXXX XXXX. The person on the phone verified my contact information and stated the an officer was coming to serve me the next day. I informed the gentleman that I do not have any reasons to have any criminal complaints against me and said sure I will be here. He then asked " did the attorneys contact you, at which I replied no. At this point, I told him that I did not have time to play games with him. He put me on hold to supposedly get the attorneys and I hung up. I XXXX the number that he called from which showed up on my caller ID and it was listed as the fax number to the Arizona Superior Court in XXXX XXXX - Juror Information. Less than a week after this call I received a letter from GreenTree Servicing referencing a debt that had passed the statue of limitations and was removed from my credit report. The letter was dated XXXX/XXXX/15. Once I received the letter I called the phone number listed and it was the exact same person that called trying to threaten or scare saying that I had a criminal complaint saying someone was going to my house looking for me. I told him that as far as my knowledge this was no longer on my credit report and had been taken care of. I asked him to send any documents that he had verifying the debt and I would look it over with my attorney. Which GreenTree did not. Their letter states that the consumer has 30 days to submit proof. The entire actions of Greentree servicing from the start was deceptive and misleading in nature.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked Experian to remove non-deliverable addresses and XXXX specific accounts that can't be verified with the IRS balance sheets if they can not provide a copy of the IRS balance sheets on record of any CONTINUED negative reporting of transactions HISTORY, on the XXXX specific accounts listed on Exhibits A. This will be knowingly a penalty of perjury and defamation of character against the rights of the consumer to which it relates. Experian did not comply with the phone or written requests as I have noted, and I have witnesses who will testify under the penalty of perjury just how many times i have made the same request.
Product: Vehicle loan or lease

Wells Fargo bank is now trying to use other agency 's to blame in there on going fraud. The XXXX refunds that involved a repossession there lying about everything.
Product: Student loan

I had XXXX student loans for XXXX XXXX at XXXX  XXXX XXXX. The first was original principal of {$20000.00} with disbursement date of XX/XX/XXXX and repayment date of XX/XX/XXXX the owner of loan being the Dept of Education. The second loan was {$20000.00}, disbursement date of XX/XX/XXXX and repayment of XX/XX/XXXX, the owner of loan also being the Dept of Education. The loans were put on hold due to Covid and not started up again until XX/XX/XXXX. We made XXXX payments to the Department of Education, XXXX payments on XX/XX/XXXX for {$6300.00}, {$5200.00} and {$4500.00} and XXXX payment on XX/XX/XXXX for {$4500.00}, totaling {$20000.00} ( XXXX bank statements attached below ). However, Mohela did not apply these payments to our principal. The principal was only decreased to {$12000.00}, approximately only {$8000.00} in payments. Mohela is unable to locate XXXX of the payments since they were not the loan servicer or provider when the loan were originated. We contacted Mohela in XXXX and they were looking into finding other payments, the loans are forbearance. We spoke with them today with no further clarification on missing payments and we are still being charged interest on a false current principal balance. Our intention is to payoff the actual {$200000.00} balance but Mohela needs to find our missing apron {$12000.00} payment and remove any accrued interest on paid off loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In between XX/XX/XXXX-XX/XX/XXXX, I stayed in an apartment complex by the name of XXXX XXXX XXXX..I moved out in XX/XX/XXXX-XX/XX/XXXX, I cleaned out and left everything in good standing condition and was told by the manager at that time i would receive my deposit back..I recently started working on my credit and noticed that they have me in collections, I have tried on several attempts to dispute this and each time the results are that " I owe this amount ''. I went into the office in XX/XX/XXXX and spoke with the leasing manager and she said she didn't see how i owed anything and that according to her ledger the complex owed me ( which would be the deposit that the previous manager said i would be getting back ) so she was going to contact the corporate office and for me to come back in 7 days. I went back a couple of months after that and there was new office staff, so I discussed this issue again with new management and was told that she didn't see any reason why I would be in collections because she didn't see one listed and that my file was no longer in the office, so she took my information and said that she would be contacting me. I have yet to be contacted every time I try and call the office I am told the same thing someone will contact me..I know i could possibly not owe this ( 1 ) because I was on Section 8 at the time and when you're on Section 8 before you move to any other property or house you can not have a balance, and my Section 8 paperwork was signed off with a XXXX balance and no property damage. If you could please look into this it will be greatly appreciated, I am trying to remove this off my credit so I may continue to clean my credit and obtain a good credit standing. The amount they're saying I owe is {$2300.00} and also they have this debt listed as JOINT, but it should be Individual because I was the only one on the lease accept for my kids. 

This is the company info : MUTUAL MANAGEMENT SERVIC  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX My Name is XXXX XXXX and the address at that time was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Fl XXXX
Product: Credit card

I was somehow opted into debt protection insurance by Best Buy on a store credit card in XXXX. There would have been no need for this. Ive never had a payment large enough to ever need this. I have always had autopayments and usually once per year I pay my balance down to XXXX. 

I was either strongly misled into getting this protection or opted in by accident. Either way Best Buy or Citi have never sent an annual notice and have taken thousands from me and others I see online. Worse yet is I've paid interest on all the balances that should've been put towards my principle. 

I looked at my account activity in XXXX of XXXX because Best Buy and Citi also gave my rewards points to my XXXXXXXX XXXX  account who also has the same name. They've screwed our accounts and payments up multiple times over the years. When I looked at my activity I noticed a weird charge for XXXX that I didn't buy. The description of the charge isn't even clear what it is. That in itself is misleading. After looking back several months I realized I had these charges every month and that my payments were pointless. 

I called Best Buy customer service in early XXXX to dispute these charges and cancel the service in the meantime. They reviewed this situation and didn't refund me a XXXX. 

I believe Best Buy has a massive UDAAP violation. As well as an FCRA violation because I believe my father opted in for his Best Buy account. They have messed up our accounts several times throughout the years. The worst part is that I only asked to be credited the charges since the last year when I paid my account to XXXX. 

I strongly encourage any consumer to avoid Best Buy and Citi for any financing. They have horrible predatory practices. They have horrible credit maintenance and people deserve better.
Product: Student loan

I am not sure if my loan is federal or private. when I received the loan in 2001, its was explained to me as a federal loan. Now according to the Government I owe them nothing, and my loan has been given to a private lender/collections company. I was contacted once by this company, then I was sent a letter telling me that my wages will now be garnished, at 15 % to 25 % or {$430.00} a paycheck. after looking over the paperwork they sent me, there is no judical signature, which tells me it has not been approved by a judge. I am will to repay this " loan '' without all the taxes and penalties and to original loaner. This company ignored my request to know who they are and where they are located, until I called them directly off the notice that was sent to me. They offered a settlement of XXXX in cash .... after I badgered them on how to get me out of this " garnishment '' then they gave me other offers, and requested ( I did not provide ) my credit card or debt card information. They said they could only send me the information, and the garnishment would go on until the courts gave a verdict, and they said the courts are only available in XXXX ( I live in Montana. )