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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account, auto loans, personal loans, insurance policies XXXX on XX/XX/XXXX account number XXXX opened XX/XX/XXXX, XXXX XXXX account number XXXX opened XX/XX/XXXX, XXXX account number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX account number XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX account number XXXX opened XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX account number XXXX opened XXXX XXXX account number XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX opened XXXX , an auto loan account opened at XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The forementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXXXXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue?

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this XXXX complaint from my consumer credit file within 4 business days of receiving said complaint request that all written confirmation regarding this CFPB complaint be sent to me via email at XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I incurred a {$38.00} Late Fee from PNC Bank ( Ex. 4 ) as a result of its faulty auto-pay system. I had previously received a credit for a late fee on XX/XX/XXXX, ( Ex. 1 ) due to its deficient auto-pay system which was refunded on XX/XX/XXXX, ( Ex. 5 ). PNC Bank contends that because they had refunded one late fee, its policy prohibits it from issuing another late fee notwithstanding its deficient auto-pay system. 

I have had several conversations with PNC 's representatives regardings this issue to no avail ( Exs. 11-12 ) ; indicating that its centralized system prohibits it from issuing more than one late fee refund within the calendar year notwithstanding bank error ( deficient system ) [ Exs. 10-10a ]. PNC Bank deficient auto-pay system treats an auto-payment as an external transfer, but not for an indefinite period. And, once the auto-pay expires, you have to reinstate the transfer all over again. When, I reinstated the auto-pay on or about XX/XX/XXXX, with the help of its representative that refunded the first late payment, it was set up for the wrong date, i.e., for the XXXX of the month when it should have been set up for the XXXX of the month when my payment was due ( Exs. 4a- 7 ). However, its deficient auto-pay should have rejected the XXXX or made it early 28 days before it was due, nevertheless, the deficient auto-pay system accepted this day and charged me another late fee defeating the purpose of the auto-pay. 

After going around and around with PNCs representative ( middle and senior levels ), I was unable to secure my {$38.00} refund for the late payment. Compare XXXX XXXX  auto-pay system to PNC 's auto-pay system which is more user-friendly ( Exs. 10, 10a, 13 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE : NAME : XX/XX/XXXX XXXX XXXX ADDRESS : XXXX : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 


In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 

Please remove it from my credit report or Im seeking litigation please delete.

1 ) I demand the following fraudulent Inquiries deleted from my credit report immediately. 
Bank Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 2 ) I demand the following fraudulent Inquiries be deleted from my credit report immediately. 

Bank Name : XXXX XXXX Date of inquiry : XX/XX/XXXX 3 ) I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX Date of inquiry : XX/XX/XXXX 4 ) I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 5 ) I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX Date of Inquiry : XX/XX/XXXX Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a summons to appear in court in XXXX County Florida regarding a possible judgment on a debt went into collection in XX/XX/XXXX. The debt was opened up with XXXX XXXX XXXX XXXX Florida in XXXX, FL. Instead of going to court, I agreed to a settlement agreement to start paying {$50.00} a month starting XXXX XXXX, XXXX until the debt is paid off. However, after I had signed the agreement and sent it back to the attorney firm, Lotane & Associates, I remember that I received a XXXX from XXXX XXXX XXXX XXXX Florida during the XX/XX/XXXX tax year that stated a cancellation of Debt. This is where I was confused because I called and tried to get an explanation from Lotane & Associates as to why I would be summon for a debt that had been cancelled by the XXXX XXXX in XX/XX/XXXX. In addition, Assuming that I did not have to appear in court because the agreement was signed before the appearance of the court date, I discovered that the judgment was filed against me anyway on XX/XX/XXXX because Lotane did not let the judge know that I had set an agreement with them that resulted in a default in favor of Lotane. When my counselor called the attorney 's office, they stated that they did not know what happen and will motion to have the default dropped. It still has not happen as of yet. In the meantime, we are trying to see if the summon was legal because the debt was forgiven and I had included this on my XX/XX/XXXX income tax as income earned per the required law. I have not received a satisfactory answers from either XXXX XXXX XXXX XXXX Florida nor Lotane who I feel are both at fault because XXXX XXXX sold a debt that has been cancelled along with Lotane who let the debt go into default knowing that it was agreed. Please see the attached documents regarding this matter. I need to have this agreement nulled and find XXXX XXXX XXXX XXXX Florida and Lotane negligence with their unscrupulous practices. I have asked several questions about the date the debt was sold to Lotane but ca n't get a clear answer. Each company is asking me to call the other because they feel like they are not responsible as to what happened.
Product: Mortgage

Mortgagee is refusing to release insurance funds to contractor to start work on my house which was destroyed by fire in XXXX 2014. There was a partial explanation as to why this is happening and we have been unable to get an audience with the XXXX XXXX XXXX XXXX XXXX Dept. after numerous calls for an explanation. Each department claimed that the issue was to resolved by the other and no one took responsibility for taking care of this matter. They stopped taking the monthly debit payments without an explanation and refused to take a payment by check for several XXXX dollars which was taken to them in person. According to them, fees of some type was omitted when our modification was negotiated with XXXX which was denied an adjustment at that time and now they are apparently trying to add to our forced arrears. XXXX XXXX '' ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute and request for debt validation was requested to Experian on XX/XX/XXXX for the following : XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX On XX/XX/XXXX- I called Experian to get the results and spoke to XXXX XXXX XXXX XXXX. XXXX informed me that Experian does not request validation of an account. He also stated that the accounts mentioned above would remain on my credit report. This practice is illegal, as the bureau is obligated to confirm/validate accounts upon my formal request. Also, they did NOT do a formal investigation. 

I filed a complaint with BBB ( attached ) as validation was never received, for neither account, nor are either of the creditors licensed to collect in the state of Illinois ( attached ). 
XXXX XXXX agreed to remove the collection ( attached ).
Product: Student loan

This Complaint was completed by XXXX XXXX XXXX The Consumer no third party etc involved. I XXXX XXXX The " CONSUMER NATURAL PERSON '' under 15 USC 1692 a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. 15USC 1692 a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. UCC 3-603 ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. Under The UCC, USC, FAR, CFR and regulations. Navient committed known fraud I do not have any legal agreement contract of any sort with 2 signatures and or a bonding agent or registered agent representing this entity and or 3rd party. No registering or bonding agent was present from either side to legally bind this agreement. Furthermore I asked for the company to validate the debt 15 USC 1692 ( g ) it is any consumers rights to ask the validity of a debt with specific questions they did not answer or complete any portion of the forms sent. I the consumer XXXX XXXX also sent an Affidavit Of Truth that has multiple infractions and violations in which can only be rebutted line by line by the opposing party. Navient failed to do so. I demanded remedy for laws regulations and codes that were violated. The company sent back all the CONSUMER 's materials back to the consumer without completion. This company has defaulted and now refuses to solve this matter. The company stated they do not and are not obligated to follow any Laws or codes of any type including FAR, UCC, USC, FCRA, FDCPA, TILA etc. I have more documents and exhibits of the other governing laws codes and regulations Navient has violated. I demand They zero out balance and report to CRA ( Credit Reporting Agency ) That the account is a zero balance and paid off in good standing immediately.
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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

XXXX and its creditor has been harassing me for a debt owed that isnt accurate. I have spoken with two XXXX supervisors who also can attest to this. They provided me with a XXXX request # XXXX. This account was never used or active ; theres already a service provided with the same address from XXXX. The equipment has been returned with a confirmation email. This is beyond fraudulent and I will be taking legal action for the harassing calls and e-mails trying to steal money out of me not owed.
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

I was asked for all 3 credit bureaus to investigate the negative item on my report. I keep getting the same response but no update on credit report. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit card or prepaid card

I have two balances on my Lowe 's card, which is managed by something called Synchrony Bank : a " regular '' balance that accrues interest, and a promotional balance that doesn't. I noticed on my last bill that I had been charged interest on the regular balance ; this was confusing to me because I had been making regular payments to satisfy the regular portion of the balance. When I spoke to an agent in an online chat ( " XXXX '' ) he assured me that payments are applied first to " regular '' or non-promotional balances, and then to promotional ones. But my last payment had not been applied that way : roughly was applied to the promotion ( i.e. no interest ) balance. The one before that had also not been fully applied to the regular balance. Had these payments been applied correctly, my regular balance should have been satisfied. 

The agent agreed this was a problem but said the bank would only go back XXXX  days to " reallocate payments '' and correct it. I'm not sure why the arbitrary limit was imposed. " XXXX '' couldn't tell me. 

Making matters worse, the end date of my promotional balancewhich much be paid in full by then to avoid interest chargesis not noted on my bill. Together with the misallocated payments, this seems obviously designed to lure consumers into paying interest that should not have been charged. It's not just a matter of reading my bill, either : not only could I not find the promotional end date there ( although there's a box for it ; it says " until paid off, '' which implies that I have forever to satisfy the obligation ), but important information like how minimum payments are calculated and how payments will be applied is not included either. All in all : very sketchy.
Product: Student loan

XX/XX/XXXX - I contacted Navient about my Borrowers Defense Application XXXX write-off of {$21000.00} on XX/XX/XXXX. Through-out the process they had me in deferred payments but were able to increase my interest rates and apply interest on the amount of the loan. I also received zero notification when they just decided to turn back on auto-pay several times during the dispute process. Prior CFPB Complaint closed on XX/XX/XXXX - I however did not get a write-off amount until XX/XX/XXXX which was promised to be over a year prior to this date per the initial APPROVED letter and payout schedule of the XXXX XXXX XXXX case XXXX I negatively incurred interest and fees which was practice and for which Navient subsequently has been sued by CFPB v Navient Corp. who is now banned from servicing loans. I have been directly affected by these issues and would like to receive compensation for my overcharges in fees and interest, and the punitive damages owed from the Victim 's Relief Fund Civil Penalty Fraud. I asked them for the proof of my payments, fees, and interest they specifically advised me as such '' Your balance prior to the discharge was over XXXX XXXX, If you have questions regarding your discharge amount you may contact Borrower Defense to Repayment Hotline at XXXX or visit https : //studentaid.gov/manage-loans/forgiveness-cancellation/borrower-defense. '' I explained to the agent that as the servicer they should be able to provide me the complete transaction history. I called the Borrower Defense line while chatting with the agent, the Borrower Defense advised that the agent needs to indeed provide that information they do not have that. I would like all the overcharges in fees and interest to be refunded for the life of the time I initially incurred the loan for XXXX XXXX XXXX since XXXX refunded.
Product: Debt collection

I Had moved from my previous address in XX/XX/XXXX of 2018. I spoke to a few representatives and there were several issue at the time. I had owed last months bill which was paid. I also had several issues with paying that bill as well at the time because the amount was outrageous and could not be justified by XXXX XXXX. I believe my bill was mixed up with my ex-husbands name XXXX XXXX who had previously moved out and our bills where intertwined at the time. They also stated he had another bill, but I was not interested to hear his other account info. I went back and forth several months after I moved, and was going to pay because it was on my report, but one of XXXX  XXXX associates I finally spoke to saw their was a discrepancy on more than one of my bills and stated that it would be taken care of and it was removed from my Credit Report at that time. I'm in the process of buying a new home and I pulled my report and saw it was back on my account almost 2 years later still trying to get the bill pushed for payment? I will not tolerate this injustice of playing around with someone SSN as they removed it knowing it was an error on their part and then removing it to then trying to slap it back on my credit report to get a payment that ' not mine. I refused to be bullied into making someone else 's payment or just their billing depts error for their profit of {$1100.00} for a utility bill, that's an insane $ amount for a monthly payment for anyone. If they allowed that amount to go on that " their fault for allowing someone's bill to get that high and should be criminal if they think that will be accepted.
Product: Debt collection

I purchased a car from Car-Mart . This car loan company has aggressively collected against me since I purchased the vehicle. They have threatened me with going to jail for no payment stating they had a warrant for my arrest during 2020. This company has contacted my employer, and family repeatedly to the point they have had to block Car-Mart. I have been harassed day and night with repeated phone calls and text messages to the point I had to change my phone number recently just to stop the phones calls. They have put tags on my car for balance due that are not related to the actual note for {$25.00}. They use the tracker they put on my car to show up wherever the car parked and at times this occurs on other people property. I am tired of the collection practice of this business, but I owe them money for this vehicle if I return it will affect my credit. But I can not take the harassment anymore. I am not over 30 days late with a payment this car is not the best vehicle either, but I must pay this loan off. I am starting to develop anxiety issues and stress because of how they are conducting business. I pay my note and that is what is required. I am not in a repossession status my car note is current, but I am not paying the late fees on this account because they only give me 3 days to pay of which one is Sunday when they are not even open which makes me late by Monday. I have written emails, to management, and spoke with several representatives about how they are collecting against me. I can not do this anymore I need help. 


Sincerely Concerned