23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 
you also raised the balance of the debt and we both know that is illegal and will be used as an exhibit and I sent you this certified last month, you received it and did not respond to me.
Product: Student loan

I tried to finish my XXXX XXXX for XXXX XXXX and was unable to complete the work because no one provided me with the books for the classes so there was no way to do the homework or course work. So by the time I dropped out because no one would help me it was a little to late with some of my loans and pell grants. But I at least emailed them once a day and never received a response. I don't feel this is my burden to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I wrote All three credit reporting bureaus ( XXXX, TRANSUNION, XXXX ) asking to provide verification of accounts with incorrect amounts, open dates and closed dates. The letters along with a copy of of my credit report were sent certified mail. I havent received a response from either bureaus about an investigation being opened nor closed. Attached is a copy of the letters that were sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently reporting 2 mortgage accounts on my credit file. Both are showing 1 late payment but each account is reporting a different date. I have already provided written proof to XXXX  via mail and fax several times last year trying to correct/remedy the situation. 

Current mortgage account : XXXX XXXX- this account was not opened until XX/XX/XXXX so it should not be reporting any late payments in XX/XX/XXXX or anything prior to XX/XX/XXXX. 

Previous mortgage account : XXXX XXXX- this account transferred XX/XX/XXXX to XXXX XXXX- this account did not have any late payments and based on the incorrect reporting on both accounts it further validates my claims that XXXX is erroneously reporting inaccurate information on my credit file. 

I have attached my bank statements that further support my claim ( the payments are highlighted in yellow ) : XX/XX/XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX XXXX XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX I have written to XXXX  several times with no response showing the conclusion of their investigation as well as no additional info about my supporting docs.
Product: Checking or savings account

My account with ally bank is still locked I can view my funds still at the atm with my debit cards but now I only have {$500.00} USD in my accounts when I had a total of {$80000.00} USD in my accounts Im still not understanding where my funds are and why I cant use my card to access the funds that are still available I feel as if Ive been robbed I call Ally bank every day and receive no help from anyone they only say to me that the investigators are reviewing your account like where the XXXX are my funds XXXX this isnt petty money I have XXXX XXXX XXXX in my accounts and Ive been robbed out of my money they wont tell me where none of my funds are and I am completely miserable and stressed about this XXXX I am taking legal action with my lawyer to settle a suit to get my funds back and even more this is very crazy I have a family I need to support and my money is just gone down the drain Ally customer service is very terrible no help whatsoever I am so depressed omg please can I get some help pleaseeeeee
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the items listed below are still reporting on my credit report which is a violation of FCRA. LexisNexis failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with LexisNexis, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Bankruptcy XXXX XXXX-discharged Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX -
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX and TransUnion credit bureaus must check these inquiries ( A ). It is unacceptable to list these inquiries as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX : XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2XXXX XXXX XXXX XXXX  XXXX XX/XX/2023
Product: Student loan

I completed  XXXX   XXXX   XXXX  in  XXXX , my Private and regular student loans we 're placed in deferment, I started making payments in  XXXX , then I had to file Bankruptcy in  XXXX , so my loans went back into deferment. I started  XXXX  University in  XXXX  for my  XXXX   XXXX , I graduated in  XXXX   XXXX .  Navient Student  Loans started contacting me  XXXX   XXXX  regarding payments for both student loans, I told them I was starting  XXXX   XXXX  on  XXXX   XXXX ,  XXXX  and needed my loans placed in a forbearance, I was promised that if I made payments on the interest of the loans, they would n't go into default until  XXXX   XXXX  started, then the College would submit status that I was in school and my loans would go into forbearance.I made the payments over the phone with my checking card, and I received a Bill via, E-mail stating my payment was due to to be auto withdrawal from my bank account. When I made good faith payments supposedly towards the principal of the loans, Navient put my account in automatic payment plan and attached my checking card, which I did n't give them authorization to do. Navient is fraudulent in their scope of practice, and I wa n't a investigation into this matter.    XXXX   XXXX
Product: Credit card or prepaid card

while checking out at XXXX in XXXX of XXXX I got a XXXX dollar cash advance on my credit card. My bill now shows 2 separate balances, one for the XXXX dollars and the one for the rest of the balance on the card. This card is now thru capital one bank as XXXX has recently changed banks. I have now been charged interest on the full amount of that cash advance 3 times and the balance has not dropped it has actually gone up since making the advance. I asked capital one about paying off the cash advance and they said i would have to pay the entire card off to do that. My terms on the card have a XXXX dollar cash advance on it which is now only available XXXX. The credit card act of 2009 states anything past the minimum payment on the card should go to pay off the balance of the cash advance and I am paying XXXX dollars more than the minimum payment each month. The interest rates are the same for the balance and the cash advance. So im not sure if i am being charged anymore interest than if it were all one charge. But i do know this is affecting my credit score by changing the available cash advance on my card versus that amount i am given
Product: Payday loan

Lender us still reporting on credit report although loan was paid. Date reported on the credit for last payment date is listed incorrectly as XXXX/XXXX/2015 representative agrrededto delete trade line once account was paid to XXXX. Item remains without itemized explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried reporting this information previously and it's coming to a point that I'm going to have to report this to the XXXX XXXX XXXX  and to small claims courts or whatever judicial entity I have to file to. 

As I was reading in the FCRA and the FDCPA and I found many discrepancies to the information. I have not furnished the information they've reported on my consumer report. Based on 15 USC 1681, 1692, 6801, 6802, 6803 and 6804, XXXX, XXXX and Transunion have broken the law with reporting things on my consumer report that was not furnished by me, nor did I approved them to furnish any of the information on my consumer report. 

All of the information listed below are bringing damages to my name and my ability to acquire credit at a better rate/term situation. Therefore, late payments, charge-offs, collections, high balances, personal information and inquiries, etc... need to be removed from my credit file. Third party companies have no ability of approval to report these items on my consumer report. 

These are the accounts that are causing defamation to my name : Account Name XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information to Remove Name Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Inquiries Name Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX, XXXX, and Experian for their failure to remove old and outdated information from my credit reports. Despite multiple attempts to rectify the situation by providing accurate and up-to-date personal information, the credit reporting agencies have not taken the necessary steps to correct the errors. 

The inaccurate reporting of various addresses, employers, and phone numbers on my credit reports is not only misleading but also damaging to my creditworthiness. This misinformation could have serious consequences when dealing with potential lenders or employers who review my credit history. The presence of multiple incorrect addresses and employers creates a false impression of instability and unreliable financial behavior, which does not accurately reflect my true financial situation. 

I have enclosed supporting documents such as my Driver 's License, W-2 form , and a recent Utility Bill to verify my identity and provide evidence of the inaccuracies in my credit reports. Despite my repeated attempts to address these issues directly with the credit reporting agencies, the outdated information remains on my reports, affecting my financial standing. 

I kindly request the CFPB to investigate this matter and ensure that XXXX, XXXX, and Experian comply with the Fair Credit Reporting Act by promptly removing the incorrect and outdated information from my credit reports. Your intervention is crucial to safeguarding my rights as a consumer and ensuring the accuracy of the information used by creditors and employers to make important financial decisions
Product: Checking or savings account

My account was closed around XXXX with a {$93000.00} cashier check deposit. Since the account has been closed Chase won't release my funds. Chase can verify the check through XXXX  XXXX XXXX but haven't done so. I just want my remaining balance in the closed account to be sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting that the account be closed and all charges be dropped. This is affecting my credit score, and I am being held accountable for charges and an account I never opened. My date of birth is XX/XX/XXXX of the year XXXX. I am providing a copy of my ID to verify that my date of birth is accurate and that I am who I claim to be. I am a victim of identity theft and did not open a XXXX XXXX XXXX. 

On XX/XX/XXXX I was made aware of a credit card having been open with the use of my social security, name, and address. I do not know the account number, only the last for digits that were stated on a statement I received in the mail. The statement stated that I must pay off the total charges of {$1100.00} made with a XXXX XXXX from XXXX XXXX. Also, on XXXX XXXX I was able to see that the account has been open since XX/XX/XXXX. I am providing screenshots from my XXXX XXXX account as proof. 

In XXXX of the year XXXX, I was still a XXXX  at XXXX XXXX XXXX. This account should have never been open in the first place due to the legal age to open a credit card being XXXX XXXX XXXX. Under the Credit Card Act of XXXX and the Truth Lending Act, the opening of credit cards is restricted to minors. I do not and have not had a job, ever, meaning that I could have never been able to provide proof of a stable flow of income. 

I have tried resolving this issue since back in XXXX, but have only been going in circles. I call almost every three days and still nothing is being done. I have also filed a report with the Federal Trade Commission and TransUnion. Not much has been able to be resolved as all the representatives I ave spoken to have told me that my date of birth does not match up with that of the account. I believe plenty of evidence proofs that this a fraudulent account and that this a case of identity theft.
Product: Debt collection

I have written to the company to dispute the debt. I received a response with a print out of a supposedly show of payment and finance fee with only referenced info from 2014. I asked that a complete show of orders and payments with proof of payment via check or credit card and that was not sent. 
I have written to the original creditor who has not responded but they are reporting the debit to the cra 's who keep validating the debt I have asked the cra 's to validate the debt as well. The original creditor is reporting the debt under Montgomery ward XXXX XXXX XXXX XXXX XXXX on my credit reports
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 U.S.C 1681. XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are violating 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 an 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 item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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: Mortgage

Wells Fargo Mortgage Services has been harassing me. They would call me out of ordinary times or just more than allowed by law in order to bring my account up to date. A good example of this would be this morning. They called me at XXXX XXXX. This is illegal to do so under The FAIR DEBT and COLLECTION Practices ACT 15 U.S.C. Subsection 11692-1692p. Other times, they call me about 6-8 times a day. If they continue to harass me, I will be forced to hire a law firm to sue them for these illegal actions that they are taking.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX XXXX XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681 . The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Experian, XXXX, XXXX. Experian, XXXX, XXXX has violated my consumer rights and violated federal law. This is the THIRD attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Checking or savings account

They are trying to charge me {$110.00} for {$5.00} overdraft when i was within a 24 hr grace period. They gave me a confusing story its robbery
Product: Credit reporting or other personal consumer reports

Please Remove all Fraudulent items as i have no knowledge of any of these accounts due to the XXXX data breach identity theft. All is being investigated by the FTC, According to FCRA XXXX this information must be blocked immediately until the investigationover. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
I contacted " EXPERIAN '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX are reporting 3 account on my credit reports and amount are {$470.00}, {$740.00} and {$410.00}. I have disputed this 3 accounts with XXXX, XXXX and XXXX and also sent XXXX XXXX XXXX debt validation in which XXXX XXXX XXXX has not responded.
Product: Mortgage

My mortgage is with BSI Financial. I had set up auto-pay for bi-weekly payments over the summer. I was unemployed and had a couple of late payments and NSFs. In XXXX of XXXX, I was able to pay the bi-weekly auto-payments again ( became employed ). My second auto-payment was not applied to the month. 

Again, in XXXX of XXXX my auto-payments were not applied and I was charged a late fee. On XXXX XXXX I tried to re-set up my auto-payments and BSI 's system was down/ 'system error '. 

Today, XX/XX/XXXX I went to re-set up my bi-weekly, auto-payments and just paid the first of 2 payments ( {$1500.00} ). I am being charged a late fee since it is after the first. 

I am hoping BSIs system will apply this payment and the second payment for the month. I have called and there is NEVER a person to talk to. I have emailed through their site several times and have not gotten a call or email back. 
( Previously, a customer service rep called me back and left me a voicemail while I was at work and I could NOT call them back ). 


This is VERY FRUSTRATING and I am trying to repair my credit history and keep up on my payments. I NEED to talk with someone to straighten this out. 

Thank you, XXXX XXXX
Product: Student loan

XXXX, XXXX cases were filed previous and Navient still has not satisfied my request. If anything only confused the matter more. Case XXXX they provided a promissory note of XXXX, and only this document. Stating this as proof that I owed more than double that. In case XXXX they then state " Your Stafford loans were transferred to us in XXXX 2012 after being rehabilitated with a combined balance of {$11000.00}. Prior to us receiving your loans, they were in a default status. '' Then they are saying I had a consolidated loan for XXXX dollars. Odd enough I spoke to Navient in XX/XX/XXXX asking specifically that, and in turn caused all this. I asked specifically for the documents that ( apparently no one has ) showing I owe this amount of money. I was told they do n't have them and to call someone else. I was also told that my loans are not consolidated at all but only brought under Navient. ( see loans attached ) case XXXX states the opposite and my loan details show this as well. " In addition, we received your consolidated loan in XXXX 2012 with a balance of {$26000.00}. '' Plainly my accounts are not consolidated. " In addition, we received your consolidated loan in XXXX 2012 with a balance of {$26000.00}. Please note that your consolidation loan was simply transferred to us from another servicer, and was not previously in a default status. '' Once again no documents are provided showing where these totals are coming from. If something is " received '' you would have these records, dates and documents. I 've called the number they provided previously and they could n't produce these documents either. This is why I am on this forum.