23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I started attending XXXX College in XX/XX/XXXX. I was out of school from XX/XX/XXXX to XX/XX/XXXX. I get a private school loan from Bank of America in XX/XX/XXXX. Because I was out of school for more than 6 months grace period, I defaulted on my loan. I was also out of school XX/XX/XXXX to XX/XX/XXXX. I was then in school from XX/XX/XXXX to XX/XX/XXXX. XXXX made a false claim that I made three {$600.00} payments and closed my account in XX/XX/XXXX. I never made any payments because I was still in school. ( XXXX XXXX XXXX ). According to CA law where the document was signed XXXX starts from the FIRST default and has 4 years to sue. That takes the time line to XX/XX/XXXX was when the XXXX expired. XXXX broke the law and manipulated payments and sold the debt to XXXX XXXX XXXX  and now XXXX XXXX XXXX   are suing me through XXXX XXXX XXXX in XXXX XXXX. Just to Recap, XXXX lied about payment dates to sell an expired loan to XXXX XXXX   XXXX. XXXX has been sued many times and lost due to fraud. They even changed their name to XXXX. XXXX will not provide me with my bank name or bank account info..
Product: Student loan

I started this loan XX/XX/XXXX with a payment of {$180.00} a month for 10 years for my daughter. It started out with XXXX XXXX XX/XX/XXXX i was laid off from my job and i was struggling to make the payments and i fell behind on the payments i contacted XXXX XXXX for help and they said the only thing i could do was put the loan in forbearance i did that for 2 years then Navient took over serviceing my loan and they capatlized on it and charged a lot of interest, consolidated the loan and changed it to a 25 year loan without even telling me.I was not able to pay the {$250.00} payment i asked for there help with a payment plan i could afford and was told the only thing they could do was set my payment at {$180.00} a month for 2 years that was XX/XX/XXXX - XX/XX/XXXX i made those payments but nothing came off the principle it was all applied to interest since XX/XX/XXXX i have been paying {$250.00} a month and have not missed or been late on a payment but my principle is not going down only going up the original loan was {$22000.00} and now it is {$25000.00}.
Product: Debt collection

Midland Credit Management contacted me about an invalidated debt and made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations Midland Credit Management has made in their attempt to collect this debt from me. 

I am fearful that Midland Credit Management will continue to make threats against me and harass me in relation to the alleged debt. I have sent Midland Credit Management a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced Midland Credit Management, for multiple consumer rights violations. Pursuant to 15 USC 1692k.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion Credit File No. XXXX dated XX/XX/XXXX shows that XXXX XXXX requested information from my credit file on XX/XX/XXXX. I previous reached out to management when I noticed that the company had pulled my file on XX/XX/XXXX and was advised by XXXX XXXX that they had not pulled my credit and would remove any and all inquiries from my file. My file clearly shows XXXX XXXX located at XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX accessed and reviewed my credit file without permission on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and again XX/XX/XXXX. The problem I have with this is the company advertises in BIG BOLD LETTERS ... .NO CREDIT CHECK. Therefore, when I am getting a title loan through this company, they should NOT be pulling my credit under any circumstances. This practice is illegal and should be handled accordingly.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, As a consumer, I am gravely disappointed by the lack of transparency regarding the steps your agency took to ensure the accuracy of the items in question under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency must provide a detailed description of the procedure utilized to ascertain the accuracy and completeness of the information to the consumer, as mandated by paragraph 15 USC ( 6 ) ( B ) ( iii ). This includes disclosing the business name and address of any furnisher of information contacted, along with their telephone number if reasonably available, within 15 days of the consumer 's request for such information. I hereby wish to express my deep disappointment regarding the current situation with my credit report. It has come to my attention that despite my previous notifications and demands, the erroneous items that I have reported as a result of being a victim of a Data Breach/Identity Theft are still present on my credit report. I have taken the necessary steps of contacting both your company and the Federal Trade Commission, providing all pertinent information, and filing an FTC Report as proof of my grievances. You must take immediate and decisive action to rectify this matter. I demand that you block and remove all inaccurate information from my credit report as well as provide me with an updated copy without delay. I trust that you will treat this matter with the seriousness it deserves and address it promptly. We appreciate your prompt attention and cooperation in resolving this matter by the law. 

XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX  - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!
Product: Credit card

I was disputing the information on my credit report without success. So as a compromise, I contacted Fifth Third Bank to settle the debt as paid and full if they deleted it from my credit report completely. The representative I spoke with agreed to settle and delete the account for {$280.00}. I wrote a check for the agreed amount along with a letter detailing our conversation. They received and cashed the check but did not report it correctly to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to pull my free credit report from XXXX XXXX XXXX for Experian and got the following error : A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form.
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts appear on my credit report this morning, and I have no clue why theyre there. I check my credit regularly, but this time, there were unexpected discrepancies. I even tried refreshing my browser, thinking it was a glitch, but nothing changed. The inaccurate accounts stayed after multiple refreshes. Because of this, Im urgently requesting that the documents Ive sent be reviewed thoroughly so I can put this worry behind me for good.
Product: Credit reporting or other personal consumer reports

Payment documentation, reopen account dates on account wrong Inaccurate information reporting conversation with creditors email in pdf
Product: Credit card

My credit card was charged for the purchase that I am not aware of. The transaction appears to have happened in XXXX XXXX. 
Their online banking system does not have functionality to resolve the issue, so I called them. 
I explained that I did not make the purchase, and I want my credit back for that. Additionally, I asked them to close the credit line since I lost my trust with this bank. 
They did not reverse the credit, and just replaced the credit line with a new one. 
I contacted them again for what happened, and they are still not reversing the credit.
Product: Credit reporting or other personal consumer reports

XXXX informed me that my private student loan was in default and in XX/XX/XXXX I agreed to pay the amount they requested to settle the account. Their exact email said Once all payments have been made per the terms of the settlement agreement, any remaining balance will be forgiven, and the status will be reported as " paid in full for less than the full balance '' to the consumer reporting agencies. They accepted a payment of {$6000.00} on XX/XX/XXXX and never mailed or sent me any physical documentation. When they transferred all accounts to XXXX, they ( XXXX ) reported my settled account as delinquent/charged off and have been negatively reporting every month since. I never had an official loan agreement with XXXX the loan I took out and agreed on was with XXXX XXXX XXXX There is no way to get into my XXXX account to verify any loan documents and there is no way of contacting them, yet they continuously report negatively to the credit bureaus. They went against their own settlement terms and are now falsely reporting and every time I dispute to XXXX in particular, the information just gets incorrectly edited and not removed or adjusted. All reporting should have stopped as of XX/XX/XXXX or at least switched to positive or current. This has significantly impacted my financial and mental wellbeing and is unacceptable from a company that is no longer allowed to service loans.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

XXXX took off the information from the previous report with the consumer finance protection and than they put the information back on their. 

XXXX still has my name spell wrong. 

Both I would like to press statutory charges on. Each XXXX Who is XXXX XXXX XXXX I sent in a copy of my i.d . and 2 different froms of proof of address /. 

Sue all 3 fro still having incorrect information XXXX
Product: Mortgage

My mother-in-law is in the process of selling her house. In 1999, Option One Mortgage had erroneously discharged a loan that they had already assigned away to XXXX, acting as Trustee for XXXX XXXX. I have been attempting to get a new discharge for over a month so she can complete the sale of her property and have been unable to. XXXX claims that Ocwen services that loan for them and Ocwen claims they do not - both sides have been claiming the other is responsible for the loan for a month straight. I am sick of tired of this and my mother-in-law is unable to pay rent at her new apartment or pay the movers or afford regular expenses while this title issue is ongoing.
Product: Credit reporting or other personal consumer reports

XXXX AND EQUIFAX ARE REPORTING INACCURATE INFORMATION. I EMPLOY THEM TO FILLOW SUIT AS XXXX HAVE ALREADY REMOVED THESE ACCOUNTS.
Product: Checking or savings account

Multiple overdraft fees charges due to insufficient funds in account unknowingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to lift a security freeze that was placed with Experian. When I placed the freeze I was told that a PIN would be mailed to me. That never arrived. Now I want to lift the freeze, because I need to apply for an apartment lease. 
I have made many time-consuming phone calls to Experian trying to resolve this, and have repeatedly been given repetitive, illogical and unhelpful advice. 
First I was told I could retrieve my PIN by entering my personal info into their website ( www.experian.com/freeze ). When I received messages saying that the information I entered was incorrect, I was told to wait 24 hours and try again. I did this repeatedly, very carefully verifying that the information I entered exactly matches what they have on file for me. 
So I asked that they send by post another copy of the PIN, and was assured one would be sent. After waiting a couple weeks I called back, and was told there was no record of my ever requesting my PIN or that one would be sent. I requested the PIN again, and this time I did receive it by mail. 
I tried to use this PIN, both via web and by phone, and again received the message that my freeze could not be lifted based on the supplied information. Nobody I have spoken to has been able to explain why this is the case or offer any hope for resolution. Everything I am being told now by Experian is apparently intended to make my try the same things over and over until I give up and leave the security freeze in place forever. Meanwhile I am hampered in my ability to apply for credit, and more importantly to apply for housing for my family ( as we are moving to a new city ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union failed to investigate my dispute properly pertaining to Inaccuracy that XXXX XXXX XXXX XXXX have been reporting and the validation request that I submitted. Trans Union Verified my disputed information as Accurate. How do you Verify a dispute that requests for Validation? 
XXXX XXXX XXXX failed to correct the inaccuracy they have been reporting. They report to Trans Union only and not to XXXX and XXXX. How can that be accurate information for starters? XXXX XXXX XXXX XXXX refuses to validate my dispute upon request. That is clear a violation of my consumer rights. Listed in my attachment shows proof that XXXX XXXX XXXX failed to correct the inaccuracy that they have been reporting to my credit report and refuse to validate my dispute requests.
Product: Money transfer, virtual currency, or money service

I am trying to link my account to online trading, but couldnt connect.
Product: Checking or savings account

I have a judgement against me that I am currently challenging. However Capital One allowed a levy to be put on my child savings account which has me as the primary account holder but also has her as a secondary account holder. This is all money that she has earned and therefore should not be exempt from my judgement. Capital one will not discuss it or look into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Help, Help, Help. 
Arvest Central Mortgage Company is ruining my credit score and having my credit report full of false information. My Credit Monitor Company, XXXX, notified me today, on XX/XX/2021, that Arvest informed XXXX that my account is past due, and I am not. XXXX  had lowered my score and added a negative statement to my report. XXXX  also reported that my account is delinquent. I do not have any delinquent accounts ; I repeat, I do not have any delinquent accounts. I am attaching all the official letters for the investigation. I worked hard all my life to maintain a good credit score and to have an excellent credit report. Arvest Central Mortgage Company must stop sending false information. The company has to change back my score and report to where it used to be.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I made Equifax aware of the misleading and inaccurate collection account from XXXX XXXX XXXX alleging a debt in the amounts of {$3800.00} and {$1100.00} they are reporting on my credit report. Ive requested Equifax and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. Ive disputed this account, and it has been well over 30 days for Equifax to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit file immediately. By the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. Equifax has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) Equifax Is in violation of FCRA and if they fail to comply and delete this information from my credit file, they must be held liable per 15 usc 1681n
Product: Debt collection

On XX/XX/2018, XXXX XXXX with XXXX XXXX XXXX contacted my boss after I spoke with her and she confirmed that she had already confirmed my employment. She left a voicemail for my boss, and requested a call back in turn causing emotional distress to me. She had no reason to speak to my boss after speaking with me and confirming employment with my employer.
Product: Checking or savings account

On Sunday XX/XX/2019, I went to deposit money after to work into a walk up ATM at Wells Fargo XXXX XXXX XXXX, XXXX, VA XXXX when the ATM froze during my deposit. I reached out to Wells Fargo Customer service number to file a report. I received an Email saying money would be credited back within 2 business days. It is no Thursday XX/XX/2019 and nothing has been resolved. I was also told over the phone at the branch themselves that there would be no manager today to help me. I reached out to the AG office of Virginia and was told you would also be able to help. I have attached time stamped photos of the ATM frozen during my deposit. 

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

I recently received my XXXX credit report # XXXX dated XX/XX/XXXX and it shows the following hard inquires : DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX and DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX. 

I do not recall giving authorization for these inquiries. I also do not have any open or current accounts associated with these inquiries. Please delete these inquiries immediately from my credit report. Conversely, if you do have documented proof with my signature of authorization of these inquiries please sent me a copy of such within 14 days. 

Thank you.
Product: Credit card

I recently had my accountant go through my past statements, and we came upon XXXX charges that did not ring a bell. We could find no record of my having ever dealt with either company and upon a cursory investigation found that they were XXXX timeshare resale companies located XXXX. Because I had never heard of, or done business with these companies I filed a fraud claim with XXXX @ XXXX where I spoke with XXXX in the fraud dept. The companies in question were XXXX XXXX and XXXX XXXX going by the name of XXXX. The first charge was for XXXX on XXXX and the second was for XXXX on XXXX I explained that I did not know who these companies were, and did not make the charges in question. XXXX cancelled my existing card because they said it was being noted as a fraudulent charge and credited the charges back to my account on XXXX Today XXXX I received a phone message from XXXX stating that after looking at my statements they noticed some charges I had made while we were vacationing in Florida around the time of the first charge so they were assuming that I had made the charge and were making me responsible for XXXX charges. This is the most ridiculous thing I have ever heard, it is like saying I was in XXXX vacationing on XXXX so I therefore must be connected to the terrorists. I did not receive anything in writing from XXXX yet, only this vague and ridiculous message. If XXXX wants to investigate something why not investigate the fraudulent companies who charged my card without permission and I am sure did the same thing to others, this is the first complaint thatm XXXX has received regarding these companies? Highly unlikely! I will be calling back into Visa with my Attorney on the line with me this week, I just want the CFPB to know how XXXX is shirking its responsibility to consumers regarding the Federal Fair Credit and Billing Act. Because I was in a geographic area where these companies may or may not have been located, I am not going to accept XXXX 's word on that fact, my card company is going to try and make me responsible for charges that I never authorized or took part in? Absolutely unbelievable behavior, I am sure once this matter is settled in my favor I will never be a customer of XXXX ever again. Perhaps my information was stolen or compromised while we were on vacation, I do not know, but for XXXX to try and make me the bad guy is unconscionable. Someone at XXXX is either lazy or incompetent or both to make such a broad assumption with zero facts to support that position.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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
Product: Credit card

I decided to close and pay off my Lowe 's credit card account. On XXXX I made my monthly payment of {$39.00}. 
On XXXX at XXXX a.m. I call to find out how much I owe and to close the account. I talked to a lady named XXXX. That was at XXXX a.m. after I closed my account I paid off the balance of {$1100.00}. On XX/XX/year>. 
On XXXX I received a statement saying I owe {$22.00} for interest from XX/XX/year>, after I paid this account off. How can that be when I already made that monthly payment and then paid the account off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Dept of Ed/ 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