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

I have sent several letter to the debt collector LVNV FUNDING, and they haven't responded to my correspondence. The last two letters I sent was on XX/XX/XXXX and XX/XX/XXXX. I ask them to validate the debt they state I am owing and if that can not be done, then please remove the item from my credit report. They have done neither of these. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXSHIPMENT RECEIVED ACCEPTANCE PENDING, XX/XX/XXXX XXXX XXXX, XXXX, AZ, XXXX **PROCESSED THROUGH USPS FACILITY, FebXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX **XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX **XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX, AZ, XXXX
Product: Credit card

I spoke to XXXX XXXX President of Bank of America NY who advised my accounts were not effected by the mortgage issues I was having with his bank but minimum payments being paid on the accounts. I am asking that all of my credit accounts with Bank of America be reviewed by the CFB and the continued opening and closing of the same accounts and the delayed and tiered reporting the credit bureaus to have max effect on hurting my credit scores. I was notified all in one day of the closing and limit lowering, it was spread over 2 to 3 weeks for the credit bureau reporting and XXXX account was reopened and then closed again. I would also like any and all over payments and rewards paid to me. Bank of America has not acted in a fair manner in its handling and I am concerned with the integrity of the reporting and discussions with this bank.
Product: Checking or savings account

I opened an account with XXXX Bank. I deposited {$5000.00} and then deposited an XXXX check of around {$30000.00}. They have since frozen my account and I have called every single day and they said that its because of the large amount of money. The check has now cleared and my account is still frozen. They can not give me a timeframe on when the account will be open they are holding my funds and I have access to nothing since my entire account is completely frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

A potential employer made me aware that my credit report is showing charge off amounts for One main financial, XXXX XXXX XXXX and XXXX XXXX. I've paid the loans I've previous had and have the proof that they were paid for the XXXX 2 companies listed. I have no affiliation whatsoever with the third company. This error is showing on my report and is making it difficult to move forward with possible employment.
Product: Credit card or prepaid card

CitiBank as of late XX/XX/XXXX was charging 21.24 % interest on a Citi/AAdvantage credit card for a customer with a XXXX XXXX score, an annual income of approximately {$140000.00}, and a long-term track record of timley payments. Citibank on XXXX XX/XX/XXXX raised interest rate on the Citi/AAdvantage credit card from 16.74 % to the Penalty Rate of 29.990 % after claiming to have received a payment one day late ( due XXXX XX/XX/XXXX and received on XXXX XXXX ). Citibank has continued to charge well over 20 % interest for over two years, despite no late payments during this time.
Product: Vehicle loan or lease

I have been subjected to predatory lending tactics as I financed a XXXX XXXX 2016 with prohibited rates and costs. I'm paying 17.89 % over XXXX months which will cost me {$27000.00} ; while the value sits today around {$3000.00}. I have tried to get out of the loan by trading it in for a standard loan arrangement and terms, but to no avail. The cost of this loan is taking all equity out of it - there will never be any equity. I am severely under water. I am paying for a vehicle that will never return the investment I am pouring into it. 

I was going through a divorce requiring I remove my then spouse from the prior vehicle. I went into the dealer to identify a replacement vehicle. Unbeknownst to me, while the payment amount was affordable, the interest and protracted cost over time would become and is prohibited. I was unaware of this at the time as I was focused on being able to service the monthly payment, avoid delinquency and potential repossession as the divorce left me with little. 

I assumed as a good dealer, XXXX XXXX XXXX XXXX, they would provide standard lending terms. But as time went by, and as I started looking at my monthly statement, I noticed the remaining balance was not decreasing and it is apparent the balance would not be going down for years and years. Worse yet, the value of the vehicle does not match the outstanding loan balance and will never under this arrangement. 

I had good credit at the time and believe now, that I was taken seriously advantage of. Given my circumstances, my lack of knowledge of lending policies, my lack of awareness of the value of the vehicle vs. the cost of the loan, the long-term cost over time - all together makes this a bad, unfeasible, unjustified lending arrangement. 

I have tried speaking to Ally, I escalated from the front-line customer service to management. They were all very versed in messaging of NO. They will not give me any relief of any kind. They won't even consider shaving off some interest while their margin remains huge. I have never been late - I am not creating any costs to them for my customer relationship. 

I also offered to surrender the vehicle, they said I would still owe the balance after auction and my credit would be negatively impacted for years.
Product: Mortgage

Santander Bank has not settle Civil terms of XXXX Mortgage .Santander has failed to validate XXXX mortgage debt, as stated in a letter Sent from Santander Bank , Santander Banks has failed to validate XXXX Mortgage by not submitting the banks license to collect a debt in PA and Santander Banks has failed to validate, XXXX Mortgage by also not submitting its OMB control number, under the Paper Reduction act of 1995. XXXX
Product: Debt collection

I received a letter from Penn Credit Collection agency dated XXXX XXXX, XXXX. 
The letter saying I owed {$56.00} for a parking ticket ( XXXX ) from XXXX XXXX, XXXX to the city of XXXX. 

I had paid the ticket in full in XXXX XXXX to a collection agency called XXXX XXXX XXXX, XXXX with USPS money order ( receipt number XXXX ) in the amount of {$56.00}. 

The amount I paid in XXXX is {$56.00} is the same ticket number XXXX from XXXX XXXX. 

I am not sure why Penn Credit is trying to make me pay for a ticket I 've paid for almost three years ago in full.
Product: Credit reporting or other personal consumer reports

My car payment from XX/XX/XXXX XXXX  was reported as late. However, the payment was made out of our XXXX XXXX account. The check was canceled by XXXX XXXX, however, we never canceled the payment and there was money in the account. After this, we received a notice in the mail stating there was a data reach within cadence bank involving all of our personal information. Now, we have a late payment from Hyundai Capital America although the payment was made. Then, our car was repossessed although we made all payments. Now, were unable to get the car back unless we pay the full balance owed on the car
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- XXXX XXXX XXXX XXXX XXXX XXXX  /Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX CT FL XXXX XXXX # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX XXXXAccount # XXXX ) Has violated my XXXX XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights
Product: Mortgage

My mortgage account got transferred to PHH Mortgage Services from Ocwen back in XX/XX/2019. Either Ocwen nor PHH Mortgage has sent me any letter stating account was scheduled to be transfer or has been transferred. I called to make my XXXX 's   mortgage payment and that is how I found out the account has been transferred. Called PHH but they have been refusing to accept my mortgage payments with one excuse or another. And now, they are saying only way I can make a payment is to pay four months worth of mortgage payment. According to my record, I owe for XXXX, XXXX and XXXX, as of my last conversation with PHH, which was on XX/XX/209. I request they provide a detailed account transaction history so I can see how they are saying I am behind for XXXX, XXXX, XXXX, XXXX and XXXX. I also request they immediately accept my payment and we can figure out why there is discrepancy in the meantime. I also request they correct their error and send all correspondence to my XXXX  XXXX XXXX, XXXX, WA XXXX, address. I also request PHH to correct their error and start sending me monthly mortgage statements which they have failed so far. I have included more detailed complaint and I request to use this note in conjunction to more detailed complaint attached.
Product: Bank account or service

I been in XXXX since I was XXXX years old someone been using my name opening bank accounts buying houses cars in etc in I have not been able to get a bank account in have a hard time even cashing my work checks I need help with filing identity theft claim with XXXX
Product: Debt collection

They have done several of the above including but not limited to : Continued attempts to collect debt I do not owe as debt was paid or debt is not mine. All my debts for any XXXX work were paid in full by myself and my insurance. The only XXXX I have used was over 4 years ago. This company put on my reports that I have a open account currently it opened XXXX 2016, it is a flat out lie and falsifying information or they have the wrong person. 

Disclosure verification of debt, I did not receive any letter with my right to dispute, they put it on my credit report and I had not idea of the allaged debt, I wrote them a letter and it was certified and they did not respond with enough information or what the debt is owed for or when it was allegedly late or not paid. 

False statements or representation : They are attempting to collect a wrong amount as all my XXXX bills have been paid in full.
Product: Checking or savings account

In 2017, BECU has had countless planned and unplanned outages with the banking platform. Outages that have included that inability to use a debit card. The outages impact areas like reviewing accounts, transferring funds, paying bills, paying for groceries, and so on.
Product: Credit reporting or other personal consumer reports

I did not consent, nor benefit from, or authorize any of the following Accounts : XXXX. XXXX XXXX XXXX - Account # - XXXX report furnished by Experian. 
XXXX. XXXX XXXX XXXX - Account # - XXXX report furnished by XXXX. 
XXXX. XXXX XXXX XXXX - Account # - XXXX report furnished by XXXX XXXX XXXX. 


Pursuant to 15 USC 1681 ( a ) ( 4 ), there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant to 15 USC 1681 ( b ), you did not meet the needs of commerce because I do not find my consumer report to be fair, accurate and equitable to me.
Product: Credit reporting or other personal consumer reports

I have accounts and inquiries that don't belong to me, and they need to be removed because they are causing me to get denied by multiple credit companies.
Product: Credit reporting or other personal consumer reports

Ive contact XXXX XXXX XXXX XXXX regarding vehicle loan that is showing under my name without my authorization.

I wrote to them to dispute the fraudulent activity that has been conducted under my name regarding a vehicle purchase. I did not purchase the vehicle in question, and I am a victim of identity theft due to serval data breach that has taken place serval times now. Ive taken step to monitor my personal information but to my avail this still has taken place. Please remove for this is preventing me from make any large purchases such as buying a house or new car.

The vehicle information is as follows : * Make : [ XXXX ] * Model : [ XXXX  XXXX ] * Year : [ XXXX  ] * Vehicle Identification Number ( VIN ) : XXXX I have never entered into any agreement with your company or signed any documents related to this vehicle.
Product: Debt collection

My bankruptcy was discharged as of XX/XX/2019. I filed due to my husband passing and not being able to maintain both of our financial obligations on one income. Included in this discharge was a XXXX XXXX credit Card and a Timeshare that were both successfully discharged with debt owed. 

Equiant Financial has been fraudulently reporting the timeshare as an active foreclosure debt and the XXXX XXXX credit card as active as well. 

I am attempting to buy a home now that I am retired on a fixed income and need to lock down a home to spend my days without the worry of fluctuating rental market. 

Several lenders have explained that they are unable to look past the fact that this timeshare and credit card are being reported even though they have the supporting discharge paperwork due to the flagged " foreclosure '' in their underwriting systems. 

Lexington Law claimed they had filed a dispute. I terminated our working relationship when they did not escalate this issue appropriately and now I am attempting to achieve this on my own. I have filed a complaint to XXXX ( the only bureau that is falsely reporting these discharged items. ), and I contacted the collection company that bought this item after it was discharged.

I need help getting this removed because it is heavily affecting my quality of life and my financial mobility. What more can I do to escalate and remove these fraudulent items?
Product: Debt collection

This is a complaint from XXXX ( consumer ) against XXXX ( creditor ). XXXX Bank has unfairly and deceptively misrepresented its mailing address, making it difficult for consumers to contact it and resolve disputed debts. 

As of XX/XX/2017, XXXX is reporting an open collection account on Consumer 's XXXX credit report [ see exhibit A ]. Consumer does not recognize this debt, so on XX/XX/2017, consumer ( through legal counsel ) sent a written request for documentation to the contact address provided by XXXX in the credit report which requested documentation regarding the original debt [ see exhibit B ]. 
On XX/XX/2017, the letter was returned to sender and marked as " Not Deliverable as Addressed. '' [ See Exhibit C ] This letter was sent to the address listed as the creditor 's contact information on page 38 of consumer 's credit report. Despite a records and internet search no other mailing address, phone number, fax number or email address could be found. Without a valid mailing address, XXXX can not obtain information regarding the debt and therefore can not make an informed decision about it. 

XXXX is a sophisticated party in the consumer debt industry and is aware of the need to be available for consumer inquiries. Knowing this, XXXX has made it virtually impossible for a consumer to initiate communication with it. I can only surmise that XXXX 's isolation and obscurity is intentional and for the purpose of unfairly frustrating, deceiving and abusing consumers.
Product: Student loan

Navient is my private student loan servicer. I attended XXXX XXXX from XXXX and my school was sued by the federal government of misconduct. The federal government XXXX my federal loans due to my school 's misconduct. I applied to discharge my private loans using XXXX XXXX XXXX XXXX XXXX application. My request was denied citing no specific details except the following reply. " Navient carefully considers a variety of factors in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' If my school was sued by the federal government of school misconduct why do I have to jump through hoops to get my private student loans XXXX? I made sure to provide as much information in my application as possible and the level of detail they are requesting is intrusive and unnecessary to receive discharge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also cited the XXXX XXXX stating Navient knowingly took on this bad debt. and is continuing to collect on this debt even though they know the practices of this school were fraudulent. 

The generic response and the act of even having to submit an application is egregious.
Product: Debt collection

I called in to IQ Data International to report a credit inquiry that I noticed was on my credit report, I just wanted to know why they had inquired on XXXX XXXX, 2015 when I spoke with the XXXXXXXXt lady she stated that they pull every XXXX months to see if the bankruptcy is actually on there even thou they had received my bankruptcy paperwork and that unless I paid the full balance they would keep inquiring on my credit report although they were showing a {$0.00} balance which is also reflected on my credit report. Not felling like this was fair I wanted to speak with a manger to see why this was. They transferred me to a XXXX named XXXX I explained to him that I was not calling to argue I wanted to know why they were still in my credit report after it had been over 1 year since I filed he said that they never received it however my question to him was why if your pulling my credit and it is showing bankruptcy are you still in my credit report he stated because they can pull every XXXX months this still did n't make sense so I asked repeatedly if you know there 's a bankruptcy why are you looking into my credit report at this point I was getting upset so I asked again and he said mam you lost those privileges when you raised your voice so now he is not giving me any information and is mocking me he then was going to give me the address to send the paperwork to but I wanted to know why I needed to send paperwork if they had already noted the bankruptcy. He hung up on me several times and was extremely rude I asked each time to speak with somebody else and they kept transferring me over to XXXX I am assuming its because he noted on my account that I needed to talk to him only. I apologized to him and was trying to be the bigger person and said please can you let me know the address and what you see on your end when you pull credit he refused to tell me and said you seem to know more then me you answer your own question. He was pushing me to the breaking point on purpose. Overall he was very unprofessional, belittling and does not deserve to be working with the public. His profanity and voice tone were unacceptable and hurtful. I have never been through anything like this before. IQ Datas ' staff should be penalized for treating people the way that they do, they are debt collectors they are there to help people not make this feel like XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agencies report info does not reflect credit denials in recent inquires. Transunion credit rating XXXX. But have been denied any credit time and again. XXXX exchanged with me is not reflected with info to creditors. Transunion wanted {$310.00} to clear it all up. I refused because I believe it to unethical even in XXXX, XXXX, XXXX and texas. ( unregulated states where all these Agencies come from. Is there no agency north of XXXX in this country ). This shakedown and retaliation would be illegal anywhere else. They have XXXX XXXX  me. Please could use any help. My mortgage lender says I have no history showing there at all. Even though I just paid off loan with them 3 years ago. This I believe is happening because of independent contractors shaking down customers. Don't know if XXXX works. Phone XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with XXXX XXXX XXXX was closed and charged off back in XX/XX/XXXX and on XX/XX/XXXX it was removed from my credit report and they placed it back on my credit report this year XX/XX/XXXX and should be off on XX/XX/XXXX i want this account removed from my report because I even called the collection office and they dont even have an account for me because that account was written off back in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy with Experian asking them to verify who reported it to them and gave them the letter from the courthouse that clearly states that they do not report that to ANY credit bureau. They responded to the supposed investigation that they verified it to be accurately reported by that courthouse, but how can that be accurate if the courthouse doesn't report that information. Experian has either made a big mistake or is lying about that information being reported by the court. Either way it is incorrect and illegal to report according to the FCRA codes 15 USC 1681 602A which states that I have the right to privacy, 15 USC 1681 604A Sec2 which states A consumer reporting agency shall not furnish an account without my written consent and instructions. 15USC 1681s-2a1 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 card or prepaid card

Im having fraud with IKEA Childs place XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I'm not sure of dates but I made attempts in the past trying to reach customer services about issues of sending money to the wrong $ Cashapp account an also due to a problem that I was having with my own account. At the time there was no number for customer service or no live agent to help resolve my issue.