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

On XXXX XXXX XXXX XXXX XXXX XXXX sent me a letter on denial of Payment Extension on my Auto Loan. 
I didn't authorize or Consent Financial Institution to pull my credit without my consent for a Payment Extensions. 

Why did XXXX XXXX pulled my XXXX, Transunion and XXXX credit reports for a Monthly Payments Extensions? 
XXXX XXXX doesn't have the right to pull my credit for monthly payments Extension. 
Why did XXXX, Transunion and XXXX  allowed this Federal Violations.? 

This is a Discrimination and Retaliation against me as a XXXX XXXX  American and my XXXX status I am XXXX Lifetime and a XXXX XXXX XXXX XXXX XXXX. 

My XXXX XXXX XXXX XXXX XXXX Department of Justice has been violated by XXXX, Transunion and XXXX. 

Covid19 Pandemic is affecting many Military Veterans and all Citizens in the Community in California and America and around the World. 
With Honor and Respect Always. 
This is a Urgent Matters!
Product: Debt collection

Contacting family members, friends, and roommates one after another telling them about my personal financial situation and over sharing private information about my address and balances. DISGUSTING
Product: Student loan

When I first applied for Federal student loans they were through the US Department of education and one year they suddenly transferred my loans to Navient who later on transferred my loans to XXXX XXXX. The department of Education reported my loans being on the Public Service Loan forgiveness repayment plan, but when I was transferred to Navient they told me I qualified for public service loan forgiveness but my repayment plan was income based and after 10 years my debt would be forgiven if all payments were made on time every month. My payments would change from time to time and at times be very high as much as I paid for my home a month. I would call and talk to them about the different payment options and different employees would give me different information every time I called. One person said I did not qualify for loan forgiveness, one person said I did, one person said I was never on that forgiveness program, and one person would say how many years I have been in the program. It was very conflicting, I never know what to believe, and feel like in the end I am going to have paid back more than I had to or I have been struggling financially with high payments when I could have been paying lower payments. I have also went through the same situations at XXXX XXXX, Since then, I have had several loan management companies call me and tell me that I should not be paying anything or next to nothing. They tell me I am being taken advantage of and at the end of my 10years of repayment I will be denied forgiveness due to how my loan company goes about handling loans so that they can get more money back. No one in the loan companies told me that I had to refile for income based repayment every year using my tax information until last year. So I know for a fact that for a few years I have been overpaying on my loans when it comes to monthly payments all because they didn't tell me I had to re-apply every year. And another thing, is that I have been shuffled through the system with everything out of my control with my loans being passed off from the US department of Education to Navient and then to XXXX XXXX. Its ridiculous! I should have been able to take my loans out with one company and stay with that company through repayment and be given consistent information throughout. It is so easy for student loan companies to take advantage of people, because all we know is that we have to pay what they tell us to until our debt is paid in full or its forgiven. Please investigate for me and help as much as you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/17 Balance : {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I changed bank accounts and forgot to update both accounts causing me to have a late payment on ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX since then and before then I haven't missed one payment I would like the late payment be removed on both accounts.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I recently filed my taxes on the XXXX of XXXX and signed up for the advance. I received the advance on the XXXX and in my paper work it said that I was getting XXXX  for my advance and I only received XXXX so now Im wondering where is the rest of my money.and Im sending in a screenshot of everytime I do my taxes it be the same way last year they gave me my money whats going on today
Product: Mortgage

Insurance payment from my escrow account was not made in time to my insurance company thus leading to late fees and cancellation notices to homeowner. Monies were withdrawn from my escrow account TWICE ( XX/XX/XXXX & XX/XX/XXXX ) thus lowering the escrow account value below allowed limit allowed by Federal law. This appears to be an error since the money was placed back into the escrow account at a later time ( XXXX ). The error does impact the calculated low value for the escrow account unless special provisions are taken. This new " low value '' for the escrow account will or may cause damage to me by increasing my escrow required payments next year after the annual escrow required payment calculation. 

Late fees of {$10.00} were added by the insurance company. 

Cancellation notice sent to me by the insurance company. 

I continue to get letter in the mail requesting that I pay the late fees to my insurance company ( XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX. and 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 reporting, credit repair services, or other personal consumer reports

XXXX  lists a public record judgement on my credit file as  XXXX  as reported as of  XXXX    XXXX  . I have no knowledge of this public record and it has not been reporting on my credit report. I have lost points from my  credit score  because of this reporting and it is damaging my report and hindering me from obtaining credit. Please remove this public record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has confirmed that my social security number and potentially other personally identifiable information were compromised by their XXXX 2017 security breach. I feel that they were negligent in the handling of my PII and possibly PCI data and should be held responsible.
Product: Credit reporting or other personal consumer reports

This company ran my credit without my consent/authorization. This is complete violation of the fair debt act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached FTC report and verification that my identity has been compromised on the XXXX XXXX Website- it is also important to note that this is not the first time that I have received this alert from XXXX . Moreover, The XXXX XXXX XXXX is a fraudulent account. This account has been disputed numerous time & I have requested the verification method that was provided to the credit bureaus by the data furnisher to validate the account. Each time the account comes back as " verified '' yet I never received the proof as requested. As such TransUnion has repeatedly failed to both validate/verify this account and remove it from my credit profile. 

Please delete per FCRA consumer rights as this a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account- otherwise it must be deleted IMMEDIATELY.
Product: Credit card or prepaid card

I am disputing multiple charges on my The Children 's place may place rewards credit card Which is a Comenity Bank owned company ( recently switched to Bread Financial ) Multiple unauthorized purchases were made between XX/XX/2022 and XX/XX/2022. 

XX/XX/2022 Interest Charge On Purchases {$23.00} XX/XX/2022 LATE FEE {$30.00} XX/XX/2022 PURCHASE {$260.00} XX/XX/2022 PURCHASE {$220.00} XX/XX/2022 PURCHASE {$230.00} XX/XX/2022 PURCHASE {$250.00} I did not make these purchases and I do not know where they came from. There are not even any purchases on my store account which I find odd. I spoke to XXXX on XX/XX/2022 Who opened a case # XXXX, I was told it could take 90 days for it to be resolved, which I understand since this is not the first time I have had to file reports of fraudulent activity. However, I am being charged late Fee and interest charges which is unfair. Along with the multiple calls everyday and now text messages stating I owe money The Total amount as on XXXX XX/XX/2022 is {$1000.00} This also will most likely affect my Excellent Credit Score Rating, which I worked so hard to get back up into good standings. 
I can be reached by email XXXX I do not answer my phone for unknown numbers anymore after being harrassed by debt Collectors. 
Thank you for your time in this manner, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information remains inaccurate on my credit file with Experian. I have requested several times for them to fix my address and social security number. However they refuse, they stated that they have the right to interpret the FCRA how they see fit and are not obligated to fix an inaccuracies even if the other agencies ( XXXX and XXXX ) have. I have signed return receipts for every time I submitted a dispute and Experian refuses to fix my file. I was even threatened by one of their supervisors XXXX whose in charge of the XXXX XXXX. At this point Experian is willfully ignoring my requests. I am distressed and anxious by this whole ordeal. I have been requesting my personal information be fixed since XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I applied for a loan with XXXX. They did a soft credit pull and it was never an inquiry on my credit report. I paid the loan in full months early and as soon as I did that they put XXXX inquires on my credit report. XXXX in XXXX of XXXX when the loan was issued and XXXX in XXXX of XXXX when I paid the loan off. Why would they do a hard pull when you paid it off?
Product: Debt collection

Back in XXXX of 2022 I was made aware that something negative had hit my credit. Upon inspection I found that " enhanced recovery CO L '' had come into possession of an XXXX $ debt. From XXXX phone company. Now I had recently closed my account and paid it off on full as I was not receiving cell service most places I went. I ported my number over to XXXX  which again, I was only able to do once I paid my XXXX account in full. Come to find out that on XX/XX/2022 XXXX sold " my debt '' of XXXX $ to enhanced recovery CO XXXX This now effected my credit. I called XXXX and attempted to pay the past due after questioning the validity of it. They strongly affirmed that the XXXX $ was accumulated post phone bill date and would be " final usage bill ''. They would not allow me to settle as the debt was no longer theirs. I have now tried twice to pay it in full of deleted without any luck. I never received any sort of notification that I owed any additional money post canceling service. The phone company claims to have sent a letter to what sounds like the correct address. I never received any such mail from them in that time. I still continued to have the same email and phone number as before but the phone company claims that their only form of notifying me of this debt, was through a ( well known ) failing postal system. They had no intent of using the technology that they peddle to assure I received notice. I'm not sure if they sold it to creditors out of spite from me canceling, or if it was simply to close all accounts at the time ( exact timing of XXXX merger ). But either way I think I should be able to pay what I owe without it effecting my house purchase for the next 7 years. I never missed a bill with them. I've never missed XXXX with XXXX either. When I know I have the bill, I always pay it.
Product: Student loan

XX/XX/2017 i have a student loan and was looking to apply for student loan forgiveness and XXXX XXXX and/or Performance SLC offer to help me and and charge for a service fee. They told me if i pay the fee then my student loan will be wiped away. i felt for it because who wouldnt want to be free from student loan. my bills from XXXX went to XXXX , i was excited and assume that my loan i gone. but after 2yrs XXXX contact me to recertify. but then i still have my loan left knowing it only went to forebearance. and now im paying the {$2500.00} charge fee and i have to be back paying my syudent loan at the same time where i could have use the charge fee to help pay my loan. i want to cancel the service but ive been searching online hoping there's help from students like me that fell for this scam. atleast they could refund the charge fee or atleast stop taking money from my account. please help i couldnt afford anything paying all this useless service when i could have done it myself for free. this company are misleading student like me so desperate to be forgiven from student loan.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 


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 card or prepaid card

In XX/XX/2021 I attempted to use my US Bank XXXX that was given to me via XXXX XXXX XXXX XXXX. My card was declined and upon calling customer support, I was informed my account was " restricted '' due to " suspicious activity ''. I asked what activity was suspicious and they could not provide me with any details. In order to unlock my card I needed to submit my ID front and back along with a selfie using the self-service portal verify.usbank.com. I have submitted the requested documents numerous times and they claim to never received them. Another time I submitted the documents they claimed they could not read the documents. Not being successful I asked another way to verify and I've received conflicting statements as to whether I can send a fax to verify my identity. One representative says there is a note on my account that specifically says my account can not verify via fax but yet they say they have received past documents but that they were unreadable. I went as far as to getting a whole new ID, had the librarian help me scan the document enlarge by 200X and lighten 2 shades and fax to the number 3 separate representatives provided upon my request. This last time I faxed the document they again said they could not read the document again. This has been an ongoing headache and nightmare as the account in question is where my child support payments are loaded to. It has been XXXX months and I have XXXX month worth of payments I have no access to and have been having problems making ends meet. The quality of my ID is brand new. It's not going to get any better than following very close to the instructions they give I have completed what they ask but they continue to insist they can not verify my identity. I requested to speak to the senior representative and he says he has the authority to handle my case, and I asked what on my ID he could not read. He did not know but said the document verification department is the one who says it's verified or not. I asked him to look at it to see what can't he read but he said he doesn't have access to that.
Product: Debt collection

A business account was opened at some point, and closed by XX/XX/XXXX with the closure of the entire business. New charges continued to be placed on the account after XX/XX/XXXX. My name was on the business account when it was closed. Multiple parties including members of the board of directors of the now-closed business and bank officials for the business checking account have interacted with the claiming company and/or collectors on behalf of the claiming company. Around XX/XX/XXXX I asked a collection agency rep to send me a paper statement of the amount owed and all details, and verified my home address to the rep. I never received this mail and for a long period of time the calls ceased. I believe now that the claiming company has opened up a new collection account which is negatively impacting my credit report, from XX/XX/XXXX to present. I did not even know this was back in collections because I received no notice- I only found out when denied for a personal auto loan and this has been in effect for over a year.
Product: Student loan

After multiple attempts, I finally was able to have Fedloan Servicing accept my standing instructions for how payments in excess of the minimum should be applied. I instructed Fedloan Servicing to apply payments in excess of the minimum to the principal of the loan with the highest interest rate, in the event that XXXX or more loans had the same interest rate, the excess payment should be applied to the loan with the lower balance. Their agreement was evidenced by a message sent to me on XXXX/XXXX/2017, which stated that all payments received after XXXX/XXXX/2017 would be applied in accordance with my instructions. Subsequent to Fedloan Servicing agreeing to follow my instructions, I have sent 5 payments totaling {$2900.00}, none of which were processed in accordance with my instructions. I have tried calling Fedloan Servicing but each time I do, the representative informs me that the payment will be corrected in 2 business days. I have also tried contacting them in writing through the contact us feature on their website, but I ca n't get a response from them ( this is consistent with my experience in trying to set up the standing instructions ).
Filing a complaint here is that last option I have. I have uploaded the agreement sent to me by Fedloan Servicing and the evidence of payments being applied incorrectly.
Product: Debt collection

I got a collection letter from Phoenix Financial Services addressed to XXXX XXXX at my address, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. That collection letter claims that XXXX XXXX owes {$1900.00} on behalf of patient named XXXX XXXX to XXXX XXXX XXXX. They said that the original Account number is XXXX. Neither XXXX XXXX nor XXXX XXXX have ever lived here. I've owned this house since XXXX  and I bought it from XXXX XXXX. I sent an email explaining this to Phoenix Financial and XXXXXXXX XXXX and XXXX XXXX XXXX, all listed as creditors for this same bill and I told them to remove my address from all their systems or risk legal action. I know that this stuff can show up on my credit report based on my address and I don't want that. I also complained that no reasonable person would ignore a collection letter and demanded that they pay damages to me. They can not and should not send out collection letters to unverified addresses. I suspect that XXXX made this error by transposing my address somehow. And I will be watching my credit reports for violations of the Fair Credit Reporting Act. But this complaint is to nip this in the bud and order all these creditors to stop, Cease and Desist.
Product: Credit reporting or other personal consumer reports

I do a yearly credit report from the three main reporting agencies ( Equifax, XXXX, and XXXX XXXX ) and come to find out, they have allowed third party companies to report on my name with me having know knowledge of any agreement with them, also their have been a data breach that may have compromise my personal information.
Product: Credit reporting or other personal consumer reports

this debt does not belong to me. I requested proof of debt and removal. I have yet to get a response from the credit reporting agency or debt collectors.

Columbia debt recovery {$4200.00} Columbia debt recovery {$280.00} these accounts do not belong to me also reporting different dates and different information. 

genesis credit management {$280.00}
Product: Credit card or prepaid card

In early XX/XX/XXXX, I received a replacement card in the mail because my American Express Platinum Delta Skymiles credit card expired. I activate this card as usual. 
On XX/XX/XXXX, I misplaced my card. I called American Express to cancel the card and send me a replacement. 30 minutes later, I found the card. I called American Express again in an attempt to get them to cancel my request. After a 20 minute+ conversation, I was told that because of security, this was not possible. I agreed to wait for a new replacement card. I asked the customer service agent to at least expedite the card so that I don't have to wait longer to use my credit card.

XX/XX/XXXX/XX/XX/XXXX - I received two replacement cards in the mail. I only requested one, but the previous customer service agent must have made a mistake. I ignore this security problem, and I chose to activate the card received in the mail ending in XXXX. This card was the last card received. I cut up the other replacement card. 
On XX/XX/XXXX, I made an online purchase with the card ending in XXXX. In early XX/XX/XXXX, the card ending in XXXX stopped working. Because of past issues with customer service, I decided to ignore the problem until later. 
On XX/XX/XXXX, I called American Express Customer Service to change account address because of a recent move. American Express informs me that the card they have on file is different from the card I have ( the one ending in XXXX ), and this other card was sent on XX/XX/XXXX. They tell me that they have to send me a new replacement card to my current billing address. However, I was making the call because I needed to change my billing address. The customer service agent did not address the major security problem with having a different card on file. The only option they gave me was to send me yet another replacement card. Because of the decline in their customer service and my growing concern for account security, I cancelled my account. 
XX/XX/XXXX/XX/XX/XXXX - Tried to submit a formal complaint. Ignored multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my report that I did not authorize.