23daVinci/CFPB_Complaints huggingface dataset:
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 Balance : {$6800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Republic finance has repeatedly added fraudulent fees to my account. This account has been closed for 3 years and some but yet every month the credit bureaus alert me that they are adding fees to my closed account I'm looking into this with my attorney because it seems to be fraud. I would like it corrected to the right balance and no more fees added monthly or I will be forced to seek legal actions and go to the XXXX XXXX to file proper charges. After the accident I'm just now starting to work again to pay my old debts but I can't stand by and let the companies ad fees every month that I don't owe. My initial loan balance was {$3100.00} now it has jumped over XXXX since the loan has been closed this is wrong and should be corrected.
Product: Mortgage

Home Point Financial 's servicing agent XXXX XXXX sent me a Notice of Servicing Transfer which was inaccurate. The servicing agent also made multiple misstatements which misstatements made it impossible for me to timely pay my mortgage and more difficult to make my mortgage payments at all. First, they admitted in my prior complaint that their escalation specialist incorrectly and deceptively told me repeatedly that I could only make my first payment by mailing a check. In fact, eventually I made the payment by means of a check by phone. Second, the same agent on XX/XX/XXXX lied by telling me that my first statement had been mailed to me on XX/XX/XXXX. In fact, the notice of servicing transfer is dated XX/XX/XXXX and the first statement was dated XX/XX/XXXX. Their agent simply said whatever he thought might get me off the phone and without regard to truth. Additionally, their servicing transfer notice deceptively says Home Point " began accepting payments from you on XX/XX/XXXX, '' but in fact, they said they were unable to accept a payment on my account during my call on XX/XX/XXXX. I had called twice between XX/XX/XXXX and XX/XX/XXXX trying to make a payment, but they could not even find my account the first time and the second time they found it but insisted I could not make a payment except by mail and with an invoice that they had not yet sent. Further, on this call, they confirmed my phone number, but I specifically told them I did not consent to atds or pre-recorded voice calls on my cell phone. Before I received my first statement in the mail, they violated the tcpa and called my cell phone with an atds and left a message for me with a prerecorded voice. This was a willful violation and is subject to a {$1500.00} statutory penalty. I never consented to auto-dialer or pre-recorded voice calls to my cell phone. Taken as a whole, their servicing is incompetent, untruthful, and illegal. I 'd like an acknowledgement of their servicing errors and misstatements, of their violation of the tcpa, and a credit of {$1500.00} to my account as a result of their willful violation of the tcpa.
Product: Prepaid card

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX and loaded {$20.00} onto it and I paid for it with cash and left the store. Later that day I checked the website on the back of the card and I entered my card details and it said my card was activated with {$20.00} of balance on it. I attempted to make online purchases with the card, trying multiple merchants but none of them would accept it. I called the number on the back for customer service and I got on the line with some guy who spoke XXXX English and had a thick accent, he wasnt any help and he asked for my social security number and thats when I hung up. I did some research and I found online other accounts of people having the same problem of their not working online or in store. All of these problems with cards from XXXX and its parent company InComm.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX. XXXX, I contacted Sezzle to open a dispute about items I never received from from a Company called XXXX XXXX XXXX XXXX XXXX The item had been in flux for months and was ordered in XXXX of XXXX. At this point I reached out to the business to tell them to cancel the order. 

On XX/XX/XXXX, the company sent the items I asked them to cancel and Sezzle responded that the dispute was closed because they provided tracking information. Once the item was received I took it back to the post office to refuse the shipment, sending it back to the business. I provided Sezzle this screenshot at the time showing item was in transit back to the business via their portal. 

I also provided them email communications that I had at the time showing I had reached out. 

Sezzle never responded to this evidence and on XX/XX/XXXX, still showed that I owed a debt. I reached out again asking them to take a look into this and they asked me to re-provide evidence. The tracking link is no longer affiliated with that shipment as it is in reuse and the I don't have that email thread that I can locate. However again, I provided this information already in their secure portal. The business won't proceed with my old evidence and instead sent me to debt collections.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute your agencys refusal to update my personal information and denial of my right to access my consumer report, as required under the Fair Credit Reporting Act ( FCRA ). 
Personal Information Update Refusal XXXX, I submitted a request to update my personal information on my credit report, including [ list specific information that needed updating, such as current address, name, date of birth, etc. ]. However, despite providing all necessary documentation and verifying my identity as required, my request has been unjustifiably denied. 
Under the FCRA, specifically 15 U.S.C. 1681g ( a ), I am entitled to have accurate information on my credit report. It is crucial that my personal information is correct and up to date to avoid any inaccuracies that could negatively impact my credit standing. 
Denial of Access to Consumer Report Furthermore, on XX/XX/year>, I requested a copy of my consumer report to review the information currently reported by your agency. I have been unjustly denied access to my consumer report, which is a violation of my rights under the FCRA. According to 15 U.S.C. 1681g, I am entitled to a free annual copy of my credit report, as well as access to my report whenever inaccuracies or identity theft are suspected.
Product: Debt collection

I have tried to make payments with credit collections bureau, multiple times, all of which they refuse. 

They are refusing to accept payment on my debt without data mining, and gaining Ites of personal information. I am trying to set up a payment plan of {$100.00} a week, to dissolve the debt. But they are unwilling to take any form of payment without gathering, a lot of personal information.
Product: Credit card

I ask for prof that I agreed to the terms of the settlement agreement and I was informed of the terms and condition. 

They Responded, The investigation found that an agreement to pay the account for less than the balance was arranged verbally on XXXX XXXX. The agreement was that you would pay 50 % of the current balance with three payments in the amount of {$82.00} per month. 

This response did not come with any Prof of this agreement and must be taken based on your Total Visa word without verification.

I wasn't given a response to rather a complete disclosure of the agreement between both parties was given.

At no point and time was I aware of the void clause or action that may be taken for not paying the settlement agreement on time? 

After Total Visa received XXXX XX/XX/XXXX, those funds were to be applied to the settlement agreement. 
After the agreement was voided I wasn't given prior notice to how my payment would be allocated. 

Both parties must understand the agreement and the creditor must give complete disclosures of any terms or conditions. 

Total Visa stated On XX/XX/XXXX, a second agreement was made to pay the account for less than the full balance. The agreement was set up for 50 % with XXXX lump sum payment of {$210.00}. The payment was made XX/XX/XXXX and a final letter was pending until XX/XX/XXXX in order to insure that payment clears. 

Up to XX/XX/XXXX and beyond no letter had been received and this account still appeared on my credit profile as an unpaid debt with a balance. 
This debt had been paid in full. Total Visa and I couldn't agree on the treatment, reporting or accuracy of the settlement agreements. To resolve this issue I would simply like Total Visa to completely remove this account from my profile. 
There is no longer a debt and removing the account can settle the matter.
Product: Credit reporting or other personal consumer reports

Be clear on this request I'm not asking but informing the credit reporting agencies XXXX, EXPERIAN and XXXX that they are not abiding by laws in place for improperly and inaccurately reporting information to my crefit profile.On XX/XX/XXXX I disputed the validity of a late payment with XXXX XXXXThe Saud parties above have responded that it was validated by XXXX so at this point I would like to know the ID # ' of persons that contacted creditor and who they spoke with along with contract I originally signed, payment Ledger and what my form of payment was and dates. Also date they spoke with representative from XXXX if this can't be provided within 15 days I will be requesting this matter to be handled legally ( ADR ) this matter had caused a lot of headache and works against my crefit worthiness.
Product: Debt collection

This debt collection want me to pay for a house The i didnt lve there after XX/XX/XXXX i rent this home and my lease i Was over and XX/XX/2015 and i didnt sing another lease and i mover out and They want me to pay The rent on to They rent The house again when i Was not living and that house.
Product: Student loan

Navient allegedly transferred my student loan ( Account # XXXX ) to XXXX. A payment is due XX/XX/2022. However, XXXX has not contacted me in anyway. XXXX and Navient refuse to submit a bill for the XX/XX/2022 payment. 

Therefore, since Navient and XXXX can't get their act together, I hereby exercise my right to the Biden-Harris Administration Student Loan Pause through XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit score, and I noticed that it was lowered. I then checked my report and noticed that creditor pulled my credit report without my authorization i dont think that is legal, can the creditor pull your credit report when you did not give them permission? If they cant I need you delete this unauthorized inquiry. I have listed the inquiry bellow. 

XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX. I never authorized there inquiries XXXX XXXX XXXX. I never authorized there inquiries Onemain XXXX I never authorized there inquiries XXXX/XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX  XXXX I never authorized there inquiries XXXX XXXX XXXX  XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX card  XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX  XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX XXXX/XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries How long will it take before this inquiry is remove from my credit report so my score will go back up, because im trying to get approved for something.
Product: Debt collection

i have Paid in full this debt and the company will not XXXX it out. I've spoken to 3 reps that continue to state that I owe on this account. I made my final payment on XX/XX/XXXX for the amount of XXXX. Other payments were XX/XX/XXXX {$25.00} XXXX {$25.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$25.00} a Total of {$190.00} Paid. When I call the rep hung-up on me, the supervisors do as well. This is affecting my credit score and causing a huge problem. I want this account removed!
Product: Credit card

Citibank sent me pre-approval offers for two credit cards at different dates in XXXX. These cards were issued with {$15000.00} and {$17000.00}, for my 1st two accounts. I have made timely payments to these accounts each month, have paid over the minimum payment due, and had not used 50 % of these credit limits. The bulk of the credit on these cards were from balance transfers from other cards because of the promotional balance transfer offers Citibank promoted to lure me into opening the accounts. My credit score was already over XXXX and I had all timely payments on my credit reports with several XXXX balances, on my way to building a better credit portfolio. In approximately XX/XX/XXXX Citibank offered a pre-approved Costco XXXX, which I was approved for, with a {$5000.00} credit limit. Two months later, Citibank reduced the credit limit on my 1st two account by by thousands of dollars, putting me at a 99 % credit usage on each of those accounts, which adversely impacted by credit and FICO score. Their reason was based on XXXX, per their notice. I ran my credit report from all three agencies. XXXX shows all accounts paid on time and nothing negative on any accounts. Citibank practice is misleading, unfair, and has caused injury to my credit that I have worked so hard to improve. I have two inquiries that are over 1 year old and 2 that are current. There is nothing negative on my credit report. I want my credit limit restored on my account and Citibank to be held accountable for their deceptive practices..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX OF ED/XXXX Balance {$1400.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$1100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$8800.00} Balance updated XX/XX/2023 This account shows incorrect information on late payment, I have never had a late payment on the XXXX loan accounts and this is wrong information i need this to be fix i try with the lenders but i haven't receive any answers.
Product: Debt collection

Uploaded to this claim are two correspondences sent by ARS NATIONAL SERVICES INC in reference to a XXXX XXXX. credit card account. In response to these two correspondences I spoke to agents on the phone and ultimately responded to their claim in the mail multiple times. One such correspondence is uploaded for your examination. I have received no response from ARS NATIONAL SERVICES INC in order to validate their claim other than the letters dated XX/XX/XXXX and XX/XX/XXXX that are uploaded to this complaint. The date of this complaint is XX/XX/XXXX. We are approaching two years since ARS NATIONAL SERVICES INC initially sent out their correspondences and they have yet to validate the debt they are attempting to collect on. My XX/XX/XXXX correspondence is a conditional acceptance to honor the debt that ARS claims to have but they have failed to provide any of the conditions set forth in that XX/XX/XXXX letter. 

ARS NATIONAL SERVICES INC is currently engaging in unfair and/or deceptive acts or practices. I have no contract absent their purchase of a consumer debt. I required debt validation from them via phone and/or correspondence to make available the documentation that proves that XXXX XXXX. is the assignor of the debt that they hold. They are unable to supply this documentation and they continue to cause the estate of XXXX XXXX XXXX harm by negatively impacting its credit profile. I previously settled a similar situation with another company like ARS NATIONAL SERVICES INC. This company removed the account they were holding from all credit reporting agencies yet ARS NATIONAL SERVICES INC refuses to follow suit. The case that was withdrawn by the plaintiff in XXXX COUNTY DISTRICT COURT also references this account and the fact that not only is the debt satisfied but that a company like ARS NATIONAL SERVICES INC can not legally and/or lawfully collect on it. ARS NATIONAL SERVICES INC 's initial correspondence dates back to XXXX of XXXX yet they have not filed any action with XXXX COUNTY DISTRICT COURT to collect on the debt they say is owed to them. The reason they have not is because they realize legal action is not possible given their position. 

Consumer debt sales are regulated by federal/state agencies and protected under laws enacted for commerce. The Federal Trade Commission ( FTC ) is one of these agencies and they protect the public fromunfair or deceptive acts or practices. This applies to all products and services not just offered by banks, but to every stage and activity, from product development to the creation and rollout of marketing campaigns, and to servicing includingcollections. 

The act/practice of debt sales has been shown to be unfair, and directly violates the FTC 's section 5, by causing or likely to cause substantial injury to consumers. 

The name XXXX XXXX XXXX XXXX and any variation thereof is also trust property of the XXXX XXXX XXXX XXXX XXXX. As described in other complaints with other institutions, XXXX XXXX XXXX XXXX is using trust property without authorization of the XXXX trustees managing the trust.
Product: Student loan

Mohela has changed its servicing platform. While doing so, it appears that Mohela might have changed the titling in my loans from MOHELA/DEPT OF ED to XXXX XXXX XXXXXXXX. It shows the old loans as closed and these new named loans as " new. '' I'm in the middle of purchasing a home and this reflects confusion in the process since it seems like the old loans have been paid off and new ones obtained.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX  XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting inaccurately on my credit file : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts are showing Inaccurate Late reportings : XXXX/XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) Bal : {$150.00} ; I was never late. 
Credit Central - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : XXXX ; I was never late. 
Credit Central - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) Bal : XXXX ; I was never late. 

Inaccurate Public Record Information : Chapter XXXX Bankruptcy - Filed XX/XX/XXXX ; Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( 2 TIMES ) XXXX  XXXX XXXX/XXXX   XXXX/XXXX  ( 2 TIMES ) XXXX XXXX/XXXX  ( 2 TIMES ) XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I went to the TD Bank on XXXX XXXX in XXXX, Massachusetts. I requested a letter from the bank with the following information : date account opened, total amount deposited in the past 12 months and current balance. I explained that the letter is for immigration purposes and was told that it wouldn't be an issue. The request went to headquarters according to the representative I spoke to and would be made available to me within 2-3 business days. A week went by and I didn't receive the letter or a call from the bank. I called the bank and requested the letter again. On XX/XX/XXXX I got a secure email with a letter from TD that has my available balance and average balance for 6 months. I called the local branch and spoke to the manger regarding the discrepancy. I explained that I need a letter with these specifications due to immigration asking. She later informed me that they can not generate that request for past total deposit for 12 months. I called corporate to file a complaint and was met with the same response. I am entitled to this information and it shouldn't be so hard. I want the institution to provide me the proper information as requested.
Product: Debt collection

On XX/XX/2018 I received " Collection Notice letters, from a collection agency. One from the original creditor : XXXX XXXX XXXX, XXXX and the other from XXXX XXXX XXXX Neither name I am familiar with. The debt had been sold to XXXX XXXX XXXX. After checking the license/bonding in the state of Florida, XXXX XXXX XXXX does not appear " Active '' on any list. This is the name on both of the letters they sent attempting to collect a debt. However once I checked on the XXXX  site and rechecked licensing, I noted that the address is the same on a company called XXXX XXXX XXXX. Although both share the same acronym, the two names are not the same. Perhaps they are using a fake company name? I'm not sure. However I do know the names must be the same AND actively licensed/bonded to legally collect, or attempt to collect a debt, in my state.
Product: Credit card

JCPenney closed my account for a couple of extra payments I decided to make each month did not go through I never was late on a payment my automatic withdrawals always came out when they where supposed to but because I decided to make extra payments and they didnt go through and only two because I forgot to unlock my account they are closing my account I think this is very wrong my account has always been in good standing I think its just a way to get people to apply again for their card which is so wrong I have always paid my balance every month over it multiple payments a month and this is how I get treated its so wrong!