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

I am submitting this complaint against XXXX XXXX XXXX because based on their consumer history report of me I am unable to open an account with other financial institutions at the moment. I am filing a complaint against all of the diminishing details they have of me causing this to happen. I do not recognize any of the discrediting transactions made on my account because my accountwas compromised electronically in the past thus revealing my personalinformation to fraudulent personnel making those transactions possible. Therefore, I am disputing those transactions and all of the defamatory information of me on my consumer report.
Product: Student loan

The student loan companies are asking me to pay them back more than I can afford. They want more than 50 % of my paycheck, which leaves me with little to no money going forward
Product: Credit reporting or other personal consumer reports

After reviewing the credit reporting companies responses, I would like to file an additional complaint along with the first ones. The responses from 2 of the companies were that the matters are still being investigated. If I filed the disputes in XXXX and they are still being investigated then I'm pretty sure that put 's them in serious violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Section 605B states that if an account is a result of identity theft, then it must be removed. I disputed with the credit bureaus about XXXX, and the dispute returned back " verified ''. Simply stating that this account was verified doesn't change the fact that I don't know what it is or why it's reporting negatively on my credit reports. Deleted this immediately or I'll file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  X/X/2017    an unauthorized credit inquiry was made  by Westlake Services Inc. T his inquiry was not with my consent and they have been uncooperative in resolving this issue.
Product: Credit reporting or other personal consumer reports

I've repeatedly requested detailed explanations from TransUnion regarding their method for " verifying '' information on my credit report. TransUnion, you have consistently failed to address this issue despite several requests. You did not respond to me within the legally mandated 30-day period, necessitating the removal of the following information from my report : XXXX XXXX XXXX... : This debt was already paid off as a charge-off, documented with a XXXX that I filed with my taxes. Attempting to collect on this debt again is illegal. 

XXXX XXXX XXXX... : Similarly, this debt was settled as a charge-off with a XXXX filed with my taxes. Double collection on this debt is unlawful. 

I dispute these claims and formally request validation under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( FDCPA ). I demand the following : A detailed breakdown of the fees and the calculation method used to determine the claimed amount. 
A copy of any contract or document bearing my signature that makes me liable for this alleged debt. 
Immediate cessation of any credit bureau reporting until the debt has been validated as required by the FCRA. 
Proof that you are licensed to collect debt in my state. 
Please send this information to my enclosed address. Consider this letter my formal debt validation request as permitted by the FDCPA.
Product: Debt collection

THIS ACCOUNT DOES NOT BELONG TO ME. I TOOK OWNERSHIP OF MY LEASED PROPERTY IN XXXX XXXX AND SIGNED CONTRACT FOR UTILITIES WITH XXXX UNTIL XXXX XXXX WHEN I COMMENCED SERVICE WITH XXXX FOR INTERNET AND CABLE PACKAGE. I HAVE HAD A XXXX ACCOUNT SINCE XXXX OR BETWEEN XXXX AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX Hospital charges for about 6 months. The account was closed many years ago because I was on Medicaid who covered the balance of my medical bills. Also, I moved away from the state of XXXX on XX/XX/2015 due to XXXX  XXXX. I have lived in XXXX since then and have never been back to XXXX to incur any debt. Each time I dispute this issue with a credit bureau, the debt is sold and my credit is ruined again. I have to constantly fill out these forms and research my credit. I have to Pay for monitoring of my credit from Experian. I am being harrassed and it's too much. Please help me.
Product: Credit card or prepaid card

Capital One Credit Card is reporting an alleged debt owed for card XXXX XXXXXXXX on my consumer reports. This debt is reflecting as charged off. Pursuant to Federal law, once a debt is charged off, the consumer is supposed to receive a 1099 in order to report that amount as income. It is also Federal law that income is illegal to report on a consumer report. Therefore, once Capital One decided to charge off the debt, it should have been removed from all consumer reports. In an initial complaint to Capital One, I addressed 2 credit card accounts at the same time for the same reasons. Capital One fully acknowledged one account ( XXXX XXXXXXXX ) stating that it was sold to a 3rd party debt collector. That account was also a charge off account. Capital One has since ceased reporting that account on my consumer report and deleted it but refuses to remove the 2nd credit card account which is also illegally reporting. My consumer report only reflects Capital One as the creditor and only furnisher of illegal data of this alleged debt and not XXXX XXXX whom they claim they sold the debt to. I have attached the letter from Capital One clearly stating that the account was sold to XXXX and that the account ending in XXXX XXXXXXXX was deleted from my credit files per the request of Capital One. Account XXXX XXXXXXXX is no different and should also reflect the same remedy. My credit is being tarnished and discriminated against due to this illegal and misleading reporting by Capital One. Capital One 's negligence is causing me undue hardship and adverse actions. I have not been able to get approved for credit to provide for my family.
Product: Money transfer, virtual currency, or money service

On XX/XX/2017, I purchased XXXX ETH ( Ethereum ) from Coinbase for a price of {$500.00} on my XXXX credit card. 

Since then, it has been marked as a Pending transaction for two months. In that time, the value of my purchase has doubled XXXX. 

I've opened 3 separate support tickets from XX/XX/XXXX to XX/XX/XXXX, and they have been unwilling to credit my account for the XXXX ETH I purchased. Eventually they just stop replying to my emails. 

They have already charged my credit card and taken my money, but will not give me what I paid for.
Product: Credit reporting or other personal consumer reports

I recently discovered that they cra 's are allowing furnishers to furnish information outside of the FCRA guidelines. In XXXX of this year I challenged that information and some of which was corrected. For example, I had a lot of inaccurately reporting inquires to my consumer report along with two charged off accounts. 
The consumer reporting agency reported each of the inaccurately reporting inquires but did not remove either of the accounts. 
I was even told by XXXX that they thought I was using a third party to help me fix my credit and did everything in their power to stall my progress. This has caused me great harm and financial burden. This is not fair nor equitable to me as reasonable procedures requires it to be. As I see it the cra 's and the data furnishers are the only ones benefitting from them parking this debt and not doing a valid investigation to prove it validity. 
I will attach my disputes to this complaint in hopes that they follow the guidelines but I have a consumer lawyer on standby if they refuse and I am ready to proceed to Federal Court. 
Both accounts reporting as " charge off '' status should not be reporting to my consumer report and should have been removed when I previously requested validation. These companies have lied to me in writing and told me that they have done and investigation and the " data furnisher " certified or validated the debt when 15 USC 1681 a ( e ) says that an investigative consumer report is done by conducting personal interviews with the family, friends and neighbors of the consumer reported on and does NOT INCLUDE specific factual information reported directly from the creditor of the consumer reported on but this is EXACTLY WHAT THEY ARE DOING. WILLFULLY non compliance with FEDERAL Laws as if they are above the law. This is unacceptable and a court won't second guess granting me remedy when they see the investigation results Congress has made public record of the CRA 's using predatory tactics to harm consumers. Also them not having the staff to handle the work load as well as them profiling letters by envelope, ink coloring and font and much more. The CRAs have become a nuisance and think they are above the law breaking it DAILY with XXXX.
Product: Student loan

I was approved for Borrower Defense and my Federal Loans have been forgiven. XXXX XXXX XXXX was a for profit Institute. Known for predatory lending.

I had loans with XXXX that turned into Sallie Mae.

They refuse to give a lower payment and I've paid {$350.00} for a long time. I'm a single mom. This is going to pull my credit down as well...

They are calling me EVERYDAY but offer NO SOLUTION. Other than acting like they have one. 

These loans should be canceled since the school was a fraud and is no longer open here in XXXX XXXX. 

I don't understand how these can still be in service anyway. Seeing as XXXX XXXX XXXX were a scam... I only owe {$14000.00}. 

Not even sure what happened with XXXX. They have switched around...
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt on my credit report states that the debt was assigned in XX/XX/XXXX when it was actually assigned in XXXX or XXXX. Now that the assignment date has changed, the account will sit on my account for an additional 6 years. I have also disputed this debt multiple times and have never been provided any documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I looked at a copy of my credit report and noticed some things that is VERY upsetting! The account XXXX Account # - XXXX are reporting some very inaccurate things. I have tried and tried numerous of times to dispute this account with them through XXXX & Equifax but I guess I will have to go higher up to get this solved. This account is a CLOSED CHARGED OFF account. Which means IT CAN NOT INCUR INTERESTS!!!! The company has legally been compensated for the loss & can not continue to add fees, a charge off is essentially a DEAD account. There should be no changes reported to it AT ALL!!!! I have tried to request a 1099 from the company to show the correct balance as proof, but they refuse. I have screenshots through a monitoring app and also an EMAIL from the associate thats handling my account with the CORRECT balance. The correct balance is {$9000.00} ''. EACH month it increases and now its at {$12000.00}. This has been going on for TOO LONG. Obviously, they have not been investigating anything because this is totally wrong!!!! The account is closed and I dont have the vehicle anymore. Please get this right for me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX Subject : Third Dispute Regarding Inaccurate Late Payments Dear CFPB, I am filing a formal complaint against your agency for failing to correct inaccurate information regarding late payments reported on my credit report for one of my accounts. Despite multiple requests for correction, including letters dated XXXX and XXXX, my requests have been ignored, violating the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Disputed Information : Late payment notations remain inaccurately reported despite my payment history showing all payments were made on time. Specifically : XXXX reports : XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX late payment in XX/XX/XXXX, matching TransUnion 's XXXX. 
These discrepancies have not been addressed in previous investigations. 
Violations Identified : FCRA Violations : 15 U.S. Code 1681i : Requires credit reporting agencies to ensure the accuracy of information in consumer files. This has not been upheld in my case.

15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
PAANL Violations : Under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are obligated to provide timely statements to prevent unfair penalties to consumers. This responsibility has not been met, as evidenced by the inaccurate reporting. 
Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report. 
Written confirmation of the correction made to my credit file. 
If this issue is not resolved promptly, I will escalate my complaint, including filing additional complaints with relevant regulatory agencies and pursuing potential legal action. 
Attachments : To assist with your investigation, I have included : Copy of my Social Security Number. 
Copy of government-issued ID. 
Proof of address. 
Highlighted credit report indicating the inaccuracies. 
I kindly request that you provide a detailed description of the investigation process and the evidence used to validate the late payments within 15 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. I look forward to receiving a resolution and confirmation of corrections within the timeframe mandated by law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the fair credit reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 Accounts name XXXX XXXX XXXX XXXX, accounts name XXXX XXXX XXXX XXXX, accounts name XXXX XXXX XXXX XXXX XXXX  15 u.s.c 1681 section 602 a .state I have the right to privacy 15 u.s.c1681 sections 604 a section 2 it also state a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681c. ( A ) ( 5 ) section state : 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 more than seven years 15 u.s.c 1681s 2 ( a ) 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: Credit reporting, credit repair services, or other personal consumer reports

I requested the removal of Inaccurate address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, accounts : XXXX XXXX XXXX Balance- ; XXXX XXXX Balance- ; XXXX XXXX Balance - ; XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$130.00} that are UNKNOWN to me. I included these in letters that I sent to XXXX Bureaus on XXXX XXXX, 2022. I learned about this rule today, and it states that Credit Bureaus must ban any items in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) no later than four business days following the XXXX XXXX, 2022 letter.
Product: Payday loan, title loan, or personal loan

My account was placed in my bankrucpt but they still keep putting it back on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence with FCRA, XXXX and XXXX have violated my rights w/Account # XXXX alleged company : XXXX 15 usc section 1681 ( 602 ) ( a ) states i have a right to privacy 15 usc 1681 section ( 604 ) ( a ) ( 2 ) consumer agency can not furnish an acct without my written instructions 15 usc 1692f ( 1 ) unfair practices ; thus XXXX has violated my rights as well I have asked several times to remove inaccurate account, please remove
Product: Debt collection

I was contacted by Aldous and Associates about a debt that I needed to pay within the XXXX  day period so I wont get it put on collections. I paid within the XXXX  day window and they still put it in collections. I have asked multiple times to talk to a supervisor and they all lie every time and say that they are in a meeting. I was lied to by them and they still put my charge on collections even though I paid in full and it has negatively impacted my score for almost XXXX  years now
Product: Student loan

I contacted Navient late last year to pay an extra {$1200.00} to pay off XXXX of my XXXX loans with the company. They falsely assured me that they will apply the payment to my smaller loan in order to pay it payoff. However, when I checked my account today, I noticed that they did not apply the payment as I instructed them and only applied {$200.00} towards the smaller loan. Second, they changed my monthly auto-pay amount and increased it by 50 %. There was no notification provided to me regarding the increase of payment nor was I provided documentation indicating a change in my payment amount.
Product: Debt collection

I see that XXXX XXXX XXXX still shows on my credit report as owed {$7600.00}, last updated XX/XX/2023. This debt was transferred to SST in XXXX. I have made XXXX payments to SST, which they have not credited through credit bureaus at all. My current balance should be {$6100.00}, but its not reflecting on my credit report, and XXXX should be removed, as the debt has been sold to SST. This is affecting my credit rating ( went down XXXX points today ), and SST says it wont be updated until XX/XX/XXXX. I do not trust SST at all. And I have disputed MGS with the credit bureau, as that account needs to be transferred to SST and my {$1500.00} is off in limbo somewhere. Very disappointed
Product: Money transfer, virtual currency, or money service

On XX/XX/23 PayPal put a limitation on my account that I have had with them for several years. I used it to do a secure purchase to buy from XXXX XXXX for {$470.00}. PayPal refunded the purchase so I am not getting the product I ordered, and I am being told I will not be able to access that money for 180 days. I spoke with a customer service representative and she was not helpful. Her supervisor was even less so, claiming they could not give a reason as to how I supposedly violated their terms of service. They have given me nothing in terms of resolution. I am being told there is no way to dispute their " limitation '' of my account.
Product: Credit reporting or other personal consumer reports

I have asked this company for the following information Do they have a proof of debt Transfer of ownership Purchase agreement Accuracy of Debt This is a violation of FCRA 15 USC Code 1681s2
Product: Mortgage

My wife and I are attempting to go through a Short Sale w ith Select Portfolio Servicing , In  c.  and  XXXX   XXXX   XXXX  ,  XXXX  since  XXXX  of   XXXX  . We are being represented  by   XXXX   XXXX   XXXX  to help us navigate this process. Unfortunatel y, SPS , Inc. has b een extremely difficult to work with and we fear that our mortgage companies have reached an impasse concerning compensation towards  XXXX . We are trying our hardest to comply, but we are now desperate for outside assistance to look into our situation. Since  XXXX , SPS has repeatedly denied our application for a Short Sale by stating that various fees either need to be added or removed from t he HUD-1 disclosure, and they have also stated that the asking price for the home is too low, even though multiple BPOs hav e come back with the exact value that was listed.      We have repeatedly shown good faith and patience by trying to adhere to SPSs requests, but to no avail. They consistently come back with a different request nearly every 1-2 weeks. The latest request was to reduce the amount that the second mortgage (  XXXX  ) would receive. In the HUD-1 it listed that   XXXX   would receive {$12000.00} in compensation for the short sale. This has been in the paperwork since the beginning and SLS has agreed to all versions of the Short Sale application submitted until the   most recent on approximately  XXXX  when SPS required that the amount be reduced from {$12000.00} to {$6000.00}. We find this and other requests to be unreasonable because we feel that SPS should have notified us of all issues with the application for assistance all at one time rather than repeatedly  requesting the terms of the HUD-1 be c hanged for differing reasons at every turn.     Due to the reasons listed above, we believe that SPS is purposely trying to find reasons to deny the Short Sale, thus they are not following the governments guidelines for lenders to provide foreclosure alternatives to homeowners. Please help us to rectify this situation so that both mortgage companies can come to a viable solution that will allow us to sell the home.
Product: Checking or savings account

XXXX I went to an ATM at Bank of America in XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX to deposit {$1000.00} into my checking account. The machine took a while and after that while, it said that it recognized {$1000.00} out of the {$1000.00}. It then asked me how much did I insert, I then told the atm, {$1000.00}. It started to count the money once again and said, we are unable to process your request and can not return your items. I then called the number and they told me to wait 30 days for a solution. I need this money for rent and bills and now Im on the verge of eviction. 

I have called bank of america all day today on XXXX. It is {$75.00} a day that I am late and now they are telling me wednesday at the earliest. This is not going to work. Eviction process starts tomorrow
Product: Credit card

I have a letter from XXXXXXXX XXXX  dated in the year XXXX  stating that they have removed this from my account. XXXX, Equifax and XXXX continues to post this on my account!
Product: Debt collection

MCM Midland Credit Management Inc, has been harrassing me since XX/XX/2015. They are claiming I owe {$240.00} to XXXX / XXXX. 
XXXX doesnt even exist! 
To be sure, I spoke with XXXX customer service to verify my XXXX Credit Card had a balance of {$0.00}, which WAS confirmed and the account was closed. 
XXXX says I do not owe any money. 
I have pulled my credit report since then and it is clear. 
I did receive notification from the US Govt that sensitive information pertaining to me was stolen, which they provided me with free credit monitoring for the duration of three years.
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. 

List of Unauthorized Inquiries : XXXXXXXX XXXX  - XXXX XXXXXXXX XXXX - XXXX16 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.