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

I took out one loan with XXXX  XXXX XXXX. It was disbursed on one date and paid off other loans. Like a credit card that is used for multiple items at different stores, it is one trade line. When a credit account goes to collections it remains one tradeline. Same for a loan. I am submitting page two of the Department of Education XXXX XXXX XXXX response to my local Congressman confessing they took that one loan and are reporting it as two tradelines. Clearly it is inaccurate and false reporting by multiplying and compounding adverse affects to my credit file. If they want to count them as the original subsidized and unsubsidized loans seperately those loan dates should be used and it would be far too old to remain on my credit. 
I am including screenshots from the XXXX website. NOTE NOT A THIRD PARTY WEBSITE. These screenshots verify the account was sold to another collection agency in XX/XX/XXXX. This is why it is showing closed with XXXX balance. This is the reason the original creditor is no longer on my credit report. It was sold to Dept of Ed XXXX XXXX XXXX and aged off my report in XXXX because paid collections fall off 5yrs from first delinquency in NY. Since Dept of Ed XXXX  XXXX XXXX sold to another agency who's address is on credit report under section Labeled XXXX. XXXX XXXX XXXX XXXX  XXXX, IA XXXX. I will also attach screenshots of the department of education. EDU website showing this address is not found anywhere in department of education. I will also include a screenshot of a web search for this address. It shows a lawyer/collection agency. There is also a statement on credit file under status Status A brief message describing your payment history with a specific account.

" Seriously past due date/ assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department '' Screenshot also included.

Since the clock does not reset it should be removed 5yrs from first delinquency XX/XX/XXXX. In this case it should be removed within a few weeks. I have requested early exclusion on good faith because the Department of Education XXXX XXXX XXXX had been falsely reporting additiona tradelines.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XX/XX/year>
Product: Debt collection

This company, XXXX XXXX XXXX, calls me about 2-3 times a day leaving messages. After I blocked one number they started calling from a different number. They said if I don't agree to make arrangements to pay they can put a lien on my car or garnish my federal income tax. The lady stated that I owed over {$4000.00}, but I could settle if I immediately sent them {$1200.00}. She wanted me to send her my banking info over the phone. After I wouldn't agree to sending them {$1200.00} she got an attitude with me like she just couldn't believe I wouldn't send them that amount. I know of this debt, but I'm trying go figure out how it got to be over {$4000.00} when initially the debt was a little over {$2000.00}. I have asked them to send me documentation stating who they are and information about the amount of debt I supposedly owe. They have also been contacting my brother who knows nothing about this situation. I thought this was against the law!!! 
I'm also wondering if it is over the statue of limitations to collect this debt because it goes back to XXXX.
Product: Student loan

Good morning, I applied for and received a total XXXX discharge for student loans. Basically, some medical conditions got worse instead of better. NAVIENT called ( several times daily ) and said I have XXXX ' signature loans not covered by the discharge. Together the XXXX ' loans total nearly {$14000.00}. I 'm lucky to have {$14.00} much less the larger total. There are MANY problems that make me doubt these loans even exist. 
THEY ARE : -- The Navient website strongly seems designed to confuse the user ( student? ). It is not at all clear what is owed, or not. 
-- Both loans indicate consignors. One of the cosigners listed is a person about XXXX and has XXXX. 
-- I answered the phone twice from Navient ; they call 2 to 3 times a day at least. They act as if they do not hear people, and keep pressing for full payment ( s ), on loans that may not exist. 
-- They mention or skim over loan assistance, but never go into detail. Navient describes how XXXX does not affect these loan types. By seen evidence, it at least can have an effect. 
-- XXXX of the loans is structured so the interest now nearly totals the principal. I am not sure I an legally prove I would never want a loan where the interest rate would make the XXXX proud, but there is 'no way ' I ever approved this. 
-- I asked for written documentation, which Navient said they would send me ; I have not received this information. ALSO any electronic signatures should have a physical signature 'backing ' it, from some point in the process. I need to see that physical signature to believe ( at least ) I am not being scammed. SINCE : It is hard to think someone may have taken my identity to get money, but these loans do not vaguely match anything I would ever do. And I do not recall them at all. 
-- SO ; even assuming these loans are real, and that is not validated, I hope to get some assistance. I want to get proof of these loans ; that includes physical signatures I have made per these loans. 
-- If I had money to give these guys, I might do it just to get rid of them, but I do n't. I could maybe come up with {$100.00} a month which would also mean eliminating a supplement insurance policy. Which would also mean skipping XXXX, so not the favorite of plans, Please assist me with this issue. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed an investigation request to XXXX, XXXX, and Trans Union. The bureaus are supposed to conduct an investigation and respond within 30 days. As of today, neither of the bureaus have responded, and more than 30 days have passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA Account # XXXX for {$49000.00} and USAA Account # XXXX XXXX XXXX XXXX for {$32000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX SSN=XX/XX/XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint in regards to a couple of letters that I send out to the credit bureau in which they are reporting an account that is being illegally reported on my credit report. After formally disputing it directly with XXXX XXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory report. This is why I am filing my complaint after Transunion claim to have verified information after I have send them a letter certified with tracking number XXXX. Transunion is reporting several UNPROVEN TO BE COMPLIANT much less TRUE, complete and accurate allegations of Accounts that appear to be not in lawful compliance to reporting regulations or elsewise improperly reported and transferred by other lender/services on the report. I understand my rights and so I have served written notice of my consumer demand checking for federally required proof of compliance even to the Metro 2 Compliance rules. The Fair Credit Reporting Act dictates that every single one even each any and all of the loans in question were or were not handled properly when they were transferred.
Product: Credit reporting or other personal consumer reports

My account with those crediotrs was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 day late from 2019 on an Auto loan that was 100 % paid in full. And I no longer have this vehicle. I contacted the financial institution regarding the reporting and since it's an accurate reporting they won't dismiss it or remove it. Now if I were a problem consumer I'd understand but I have spent the last 10 years trying to get my credit score up. And to not remove a single 30 day late payment after 3 years is a bit much for me to swallow. The banking institutions is JPMorgan Chase. I'm extremely disappointed and bummed out. The reason they gave was silly since it's been reporting for 3 years and they say because it was accurate they have no reason to change anything. And to make matters worse it was late by 7 days. Wow! Something has got to change. Will be working at changing my most recent auto loan I have with JPMorgan Chase simply because I can.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL PARTIES ARE REPORTING A BANKRUPTCY WITH DIFFERENT COURT NAMES AND DIFFERENT CASE NUMBERS. BANKRUPTCY IS INCOMPLETE AND SLOPPY DOES NOT SHOW CORRECT AMOUNTS OR NAME OF ATTORNEY. INFORMATION IS BLANK FILLED THAT SHOULD BE COMPLETE. I CONTACTED THE COURTHOUSE TO HAVE THE INFORMATION CORRECTED BUT WAS TOLD THEY ARE NOT RESPONSIBLE FOR THE INCORRECT, UNVERIFIED, ILLEGAL REPORTING FROM ALL PARTIES INVOLVED.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692G XXXX  VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes. In light if the recent CFPB lawsuit that highlights significant issues with the platform, I wanted to be sure that my issues were acknowledge. Despite using Zelle numerous times and reporting discrepancies ', my financial institution and Zelle failed to investigate my claims thoroughly. The CFB 's findings indicate that Zelle neglected to protect it's consumers and left helpless.
Product: Debt collection

Venmo Hello, I was threatened today by Venmo they would seek a debt collector on me to pay an outstanding balance. I fell for a XXXXXXXX XXXX scam. I contacted Venmo and my local credit union to stop payment once I realized it was a scam ( total sent {$400.00} ). My XXXX  was great and stopped payment right away. Venmo, despite being notified within 15 minutes said they investigate it. They proceeded to deny my claim of fraud and said they would freeze my account until the payment was made. I made peace with it and moved on. Today, about 3 months later I was called by a representative who said failure to pay would result in a debt collection agency coming after me. 
They were told it was a scam payment, they were asked to freeze the transaction before completion, they failed to act and say I am on the hook now. I do not believe I should be liable for their failure of action.
Product: Consumer Loan

I had a vehicle loan through Santander Consumer USA, during the loan I had some problems making the payments due to my XXXX. Santander was never very good at working with me on the situation. Often times my whole payments of {$580.00} would go straight to interest, this happened months in a row. ( I found that mathematically impossible ) I really felt like Santander was ripping me off because of the situation I was in and my bad credit. On XXXX XXXX, 2015 they received a letter from me as a last resort, to work with me during this time. I requested that Santander respond via letter outlining any options they might have. I received no response from them, ( after the repossession they lied and said I did n't communicate with them ). Soon after they sent a recovery truck to repossess the vehicle at night ( I offered early on to surrender the vehicle if no agreement could be made ). They took the vehicle which had personal belongings of my wife and I in it. They also did n't inform us on how we might get them back, we never got them back. We also received no notice on when/where/or how much the vehicle was going to be sold.. They followed no WA repossession law that I can tell ... I have read that Santander has optional payment protection plans which would have helped me in this situation ... Which I was never offered in the first place ... I feel like Santander took advantage of me because I am injured and XXXX. They now claim I owe almost {$10000.00} for the balance they could n't get for the vehicle, they have assigned it to collections. I do n't believe I owe the money based on the fact that they did questionable things during my loan and ultimately broke the law in regards to the repossession.
Product: Debt collection

I called the XXXX hospital & the collection agency about bill. The hospital said I didn't have any insurance, but I know wasn't true. I've been working for the same company for 23 years with the same insurance. So I gave them my information & also contacted the collection agency. Collection agency said it's nothing they can do and want full payment. I called back to hospital all of a sudden my bill is now showing paid, but collection agency says they have to wait for a clearance from hospital then it will take 30 days to remove off my credit and I dont think this is fair to me!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute inaccurate information that appears on my credit report. The details of the disputed accounts are as follows : Dispute letters were mailed to XXXX XXXX and XXXX XXXX XXXX as well as the 3 Credit Bureaus and no one is responding, and I want these ( 3 ) negative accounts Deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with specifically the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible. 

I kindly request that the CFPB investigate these matters and ensure that the inaccurate information is corrected or removed from my credit report. 

Please confirm receipt of this letter and keep me informed of the progress of your investigation. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I have 2 hard inquiries from Capital One Auto Finance company for trying to get a loan for some type of auto Financing, one on XXXX XXXX and another for. XX/XX/2021 and it wasn't me who applied for it, this inquiry is not mine and it's affecting my credit score.
Product: Credit card or prepaid card

i recently opened a dispute and i lost it. i first purchased an item from XXXX on XX/XX/XXXX, a pair of headphones they didnt arrive, so i contacted XXXX they day they were  supposed to arrive, XXXX reps said the item was still in their warehouse and issued a refund. again onXX/XX/XXXXi try to purchase headphones again, fpr the amount of {$320.00}, opted in for same day delivery, item was not delivered. i contact XXXX and again they say item was in their warehouse still but couldnt issue refund since cut off time wasnt passed yet. the next morning i receive an email stating the item was shipped from their warehouse onXX/XX/XXXX at XXXX, so i tracked the item but it said it was scanned delivered on XX/XX/XXXX! i contact XXXX and they said they couldnt issue refund since this " issue ' had already happened to me once, the first case above, so i start a dispute with XXXX XXXX  issuer of the XXXX store card, and i lose the dispute because XXXX provided " delivered status '' so now both companies are not helping out, ignoring phone calls, emails that clearly say XXXX used inaccurate information and XXXX XXXX didnt go through a completed investigation. please help here, i am not paying for an item i did not recieve especially {$320.00} dollars!!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXXXXXX Balance : {$9.00} XXXXXXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$58000.00}
Product: Debt collection

XXXX XXXX from First Source Advantage called me at XXXX XXXX on XX/XX/2018 trying to reach someone else who has not lived here for almost 10 years. I also spoke with Supervisor XXXX XXXX. 

I do not appreciate being called and harassed based on information that is almost a decade old. I have never done business with First Source Advantage, and I am not delinquent on any debts. I have an " Excellent '' credit rating. 

Both XXXX and XXXX defended the call by saying that was the information they had in their data base. Using information that is almost a decade out of date to call and harass someone who is not delinquent in their debts is an unacceptable business practice. 

Also, my phone number is a national and state registered Do Not Call number. I have never done business with First Source Advantage. Yet they  called me anyway.
Product: Debt collection

After receiving an offer letter, I reached out to the collection agency to resolve the matter. However, upon speaking with an agent, I explained that I had requested an itemized statement, which was never received, but was abruptly cut off and treated unprofessionally. Despite this, I persisted and called again to speak with a different agent. Unfortunately, the second agent provided conflicting information not in line with the offer letter, including discrepancies in the balance owed, the timeframe for settling the debt, and the agency 's policies regarding debt removal and offer renewal. Moreover, the agent made false statements, seemingly to pressure immediate payment, potentially benefiting them individually through incentives or commissions.
Product: Debt collection

On XXXX/XXXX/15 I sent Valarity LLC a certified letter stating I was aware I owed a past due balance of {$1600.00} but I am on XXXX I do currently have a financial assistance agreement with XXXX Valarity as their collection agency. I asked Valarity not to call me anymore but to send communications via mail. They received the certified letter on XXXX/XXXX/15. Since then, Valarity continues to call XXXX a day. I recognize the phone number, so I do not answer the calls. I was advised not to speak to them.
Product: Mortgage

My investment property at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX burned on XX/XX/year>. It was a total loss. The mortgage was held by Mr. Cooper. XXXX XXXX XXXX XXXX  settled the claim. I paid off the mortgage on XX/XX/year>. During the difficult process of paying off the loan, I inquired about the balance of my escrow account and was told it was {$4100.00}. I asked that it be returned to me. As of XX/XX/year>, the amount had not been refunded so on that date at XXXXXXXX XXXX central daylight time I called XXXX and spoke to XXXX. XXXX said that a check for the escrow balance was mailed to my address on XX/XX/XXXX. My response was that I had not gotten the check and to please re-issue another check. She said another check would be issued in 5 business days.

I have patiently waited for my refund and it STILL has not been returned. Return my rightful funds please. 

The loan number on the account is XXXX.