23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Affidavit of truth with a conditional acceptance was send to ask to prove the debt by producing the contract between the third parties XXXX XXXX XXXX and RUBIN LUBLIN and  no commercial affidavit was sent back for rebuttal. The companies have admitted to not being the lender, never giving credit or being a party to the Promissory note, or having a Security deed with Bilateral signatures to agreed to any debt. They have now threated to create a deed under power and all power of attorneys have been revoked, and no real assignment of mortgage has occurred. No gold or silver was given to be able to foreclose and identity theft has happened as I have no contract with either company to owe any debt. 
As a third party has no right to collect a debt without proof of the debt. The Original Promissory note which does not contain the names of the companies trying to foreclose has been deposited, cashed and then traded as a book-entry security pooled and then sold as a package to investors. They do not have the original note with wet ink signature and no valid claim of debt without a bilateral or any oral contract.
Product: Debt collection

repeated calls after being told that I was laid off from work. adding stress to my dilemma by questioning me about how I survive.
Product: Debt collection

I closed down my XXXX internet account in XXXX of XXXX. At the time of closing I was told my account was paid up and it would cancel on the specified date. However, after cancelling there was one more bill of approximately {$60.00} that I was not made aware of at the time of closing and therefore missed the payment. It wasnt until pulling my credit report in XX/XX/XXXX that I saw there had been a collection made on my account due to the missed payment of {$60.00}. I immediately called XXXX to understand the situation and they told me by making the payment right then the derogatory mark on my credit report would be removed by the third party debt collector, Radius Global. After settling the debt with XXXX  I called Radius and they informed me the first time that they could not remove the late pay from my credit report and that it would need to be XXXX. I spoke with XXXX billing, collections, customer support, technical support, and their XXXX mailbox, all of which advised that since the collection went to a third party the 3rd party would have to remove the mark and they said we would remove it but can not since its been transferred to a 3rd party. When I called Radius back they told me they will not without written authorization from XXXX, due to high up executives at XXXX prohibiting this. I then called XXXX back again and the representative I spoke with in Collections said in her 18 years she has never heard of this happening and that the 3rd party can and should remove the mark from my credit history - there is no high up executive policy that prohibits it. The rep escalated the issue to her manager, and her manager spoke with her superior and all confirmed what the Collections rep told me, that the 3rd party can and should remove it from my credit history. 

Each time I contact either XXXX or Radius they continue to push me back to the other and say its their problem. XXXX says they would remove the mark if they could buy since its with a 3rd party they can do nothing. Whereas Radius says they would remove the mark if XXXX gives them written permission. However this debt has been settled and and neither are willing to help with the situation.
Product: Debt collection

Portfolio recovery XXXX called my father about XXXX weeks ago on multiple occasions and disclosed to him that they were looking for me and told him about the debt that I owe and who I owed it too. He told them the first time that he has nothing to do with my issues and to not call looking for me, and they called again. The amount of the debt is currently {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the accounts XXXX XXXX and XXXXXXXX XXXX XXXX  with Experian. I disputed these accounts because they were reporting inaccurately. Experian verified these accounts to be accurate and would not remove them. XXXX XXXX has never sent the requested information from my validation letter. XXXX XXXX XXXX never sent me a contract with my signature on it and was asking me to send them information. I, XXXX XXXX, consumer, the original creditor do my validate these accounts or the allege balance. I requested an investigative report for the accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  in affidavit form and Experian has not sent requested information. Experian has violated my consumer rights. Experian has violated 1681 ( b ), 1681c ( f ), 1681g ( a ) and 1681e ( a ) of the FCRA.
Product: Mortgage

Contacted Owcen multiple times and then made a complaint to your office. 

Got XXXX letters and then a call yesterday that says we still do n't qualify even though their letter to us XXXX/XXXX/2015 says the automatic termination of PMI the date the principal balance of the loans first scheduled to reach 78 percent of the original value of the property. It has and yet she stated today they just sent us a letter declining to drop PMI. 

We have always been current. We are well past the 80 %, {$160000.00}, the original loan stated PMI would be removed. We are past the 78 %, {$150000.00}, of the original loan amount as stated in the letter received. Yet they are still refusing to remove PMI and return money paid after we met the automatic PMI removal of our original loan agreement or their companies stated policy as received. We want the PMI overpayments to be returned. 

Their employee told me on the phone last week that they had sold our loan to XXXX and we have yet to get any information of such sell. We emailed them and told them any late payments of our county taxes or home insurance from our escrow account as they are both due this month would be turned into the governing bodies. They did n't pay either on time last year which caused a lapse in our homeowners insurance of around twelve days. 

We need your assistance in getting them to refund and remove the PMI which is not needed any longer under their own policy in their letter or our original loan agreement.
Product: Checking or savings account

I wanted to set up a business account with Axos and started the process in late XX/XX/2021. After so much back-and-forth issues, I let Axos know that I was withdrawing my interest and would set up an account with a local bank. TWO DAYS AFTER I sent the email stating I was no longer interested, they withdrew {$1000.00}. from my personal checking account to open this new business account. Needless to say, I was furious and emailed immediately, then followed up with a phone call on XX/XX/2021. I was told the account would be closed and they would return my {$1000.00}. via wire transfer ( the same way they TOOK my money without my permission ). I was informed this would take 3-5 business days. It has been two weeks and my money has not been returned.
Product: Debt collection

Navient is attempting to collect a debt. However, the debt was sold to a third party. I have no contract with this company. Therefore the debt is unverifiable. Not contract/contract canceled.
Product: Debt collection

I was told if I paid it they would remove from my credit report. Paid it but it didn't come off. I reached out multiple times and go no response. Try calling again, XX/XX/22 but still got no response.
Product: Credit reporting or other personal consumer reports

Below is the letter i sent to the company and the reporting third party companies Transunion and XXXX, This letter is to inform you that XXXX is in violation of multiple laws set forth by Congress 15 USC 1681 in reporting information solely as to transactions or experiences payment history, charge-off status, between the consumer, which is me and the person which is XXXX. 

Per the FRCA as a federally protected consumer, I am now opting out of all authorization I the consumer unknowingly gave you, written, unwritten, verbal, and non-verbal per the 15USC 6802 and 16CFR 313.7 effective immediately and indefinitely to report my information to a third party, and non affiliates such as Transunion, and XXXX. That is a violation of The Privacy Act of 1974. 

Also on my report this account is reported as a charge-off in the amount of {$590.00}. Charge -offs are sold to a third party debt collector which is considered a certificate of indebtedness, according to the IRS Publication and once it is sold the debt no longer belongs to me and it is considered income. A charge off is Income and income can not be reported on a consumer report. Yet I have not received a 1099C regarding this account that your company has filed on my behalf, so I can do my taxes properly. 

Update the account as paid as agreed and send the 1099C that your company filed to the address above. 

Also there are several inconsistencies which is another violation with the dates of last activity, and the dates of when the account was opened. According to 15USC 1681, the purpose of the Fair Credit Reporting Act is to be accurate and fair and it definitely isnt either. 

Update my report with the above laws, correct this Charge-off account, and or remove it from my report. 

This company has not responded but continue to report misleading and false information I request the CFPB to investigate this matter thoroughly and take appropriate action for their many violations of federal statutes.
Product: Debt collection

My ex girlfriend ran up credit cards I didnt know that I had, stole credit cards from me, on one occasion used my credit card to pay for storage of her belongings, after we parted the relationship, and used it like as an automatic payment source after I paid the initial costs for the storage, as per our agreement, but then saved the card as the monthly payment source without my consent I will help in any way to prove these charges are fraudulent
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I'm getting calls from 3rd party companies saying I owe other companies. And they're debt collectors
Product: Student loan

To whom it may concern, I have been dealing with Navient since XX/XX/XXXX-XX/XX/XXXX. Since payments started after I was finished school, I have been in a constant battle with options of repayment. My father is my co-signer and has helped me as much as he could. With his income always fluctuating, repayments have been hard for us. Since XXXX years ago I have managed to find a financially stable job, but with {$36000.00} in student loan with Navient and XXXX it totals around $ XXXX monthly. XXXX has thankfully helped my father and I by letting us sent up an income based payment plan, but Navient has basically told us we have no option. In the last year my father and myself have made countless amounts of phone calls to Navient asking for help or trying to correct payment issues that the previous Navient representative did n't handle correctly. I called in XXXX day to Navient to beg if there is a way they can look into an option for my payments even if they helped me with {$20.00} a month. I was advised that due to my father being my co-signer we can make the full payments, I cant take him off as co-signer to go off of only my income, I have no other options unless I do not make at least XXXX months of to prove I can not afford full payment, or I can look into suspending payments for a month or XXXX and just add the interest into my payments. With no help for my payments I was finally able to have Navient set me up with breaking my full payment up into XXXX separate monthly payments, but also finding when I looked into my account I was being charged late fees. I tried to address with a representative about these late fees since I had set up a auto debit payment plan and they told me someone would have to check into my account to see if it could be taken off. On top of all the miscommunication of what my father would be advised of when calling in and what I would be told, this process has caused major strain in our lives. I am XXXX years old and I am not looking for my fathers help with any of my bills. That is not fair to him or my mother to be responsible for my student loans until I am in my XXXX 's. I noticed there is a potential lawsuit for Navient and I read what problems are causing this lawsuit to come about and my family and I are going through the same situation. If I did n't have the help of my fiancee there is no way I could ever move out of my parents house. I am in the process of trying to become a XXXX time home buyer, but taking into consideration of that I can afford with my student loan payments every month I am not much help to my fiancee. I dont feel that I should be stuck in this position and feel that it is unfair to my family and myself to find " help '' by not making payments to prove Navient 's payments are too much for me. I will not drain my credit down to seek help. 

Thank you.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to FIX these erroneous items. 
These were already included in my prior complaint and I'm including them again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XXXX XXXX I received a notice that my maturity date for my XXXX XXXX XXXX would be maturing on XX/XX/XXXX and my car would be taken due to failure of maintaining contract obligations. 

When I called to find out why my balance I owed was still {$4600.00} and I had 70 payments paid out of 72 at XXXX a month I asked how I owed that much and it was then I found out that my car when I first leased through them accrued around {$15.00} a day based off amount owed. When I spoke to them XX/XX/XXXX they said that {$2.00} still accrues based off the balance. 

Instead of owing {$1100.00} for my two final payments they sent a letter threatening action if the {$4400.00} balance was not paid off in full. 

I found out that it was a simple interest loan so I had interest based off my balance daily ( wasnt aware of this accrual ) and another accrued balance based off my balance monthly ( was aware of the 24 % APR ). 

I feel like I have been ripped off and that the contract shouldnt be legal because I was not aware of this ploy to pay not only a monthly interest but a daily interest on top of that. 

My vehicle should be paid off with the normal ( {$590.00} ) a month by XXXX ( 72 payments ) but it is not, I have to pay an additional $ XXXX dollars or so because of the daily accrual from the simple interest loan. 

Only reason I got this company was because I had such a bad credit score back in XXXX, at this point they are taking advantage of not only myself but many others as well, I cant be the only one. 

They should not be a company that does business with the public because in my opinion they prey on people based off their financial needs. 

They want to take my car to turn around and resell it to the next person with bad credit. 

Please help me and my family.
Product: Checking or savings account

I am making this complaint about what I believe to be unfair banking practices that is causing my account to be over drafted so that they can charge ridiculous fees. I have reached out to Simmons Bank on several occasions regarding this and they are very nonchalant and unwilling to help. I have been banking with them since XXXX and since then I have noticed a significant change in how they process debit transactions. They used to come out of the account immediately or at least one business day later. Now, they hold transactions for 7 or more days in order to make accounts go in the negative so they can charge fees. This unfair and illegal practice became very prominent in XXXX when the pandemic started. 

Just recently, I made an XXXX purchase on XX/XX/XXXX. They did not settle or debit the money until XX/XX/XXXX, but it showed pending until XX/XX/XXXX. This happens often where they change the dates to show it settled but it wasn't posted like that. 

Since they held that transaction and waited to post it when they knew it would cause an over drafted, my account when into the negative and they charged {$36.00} fees on transactions. Two of those fees were assessed to a {$0.00} transaction and a {$1.00} transaction. This is one example of the same exact situation that has happened over several months. 

As stated, I have tried before to get them to resolve this issue but to no avail. I know they changed their posting practices, but as a customer, I am at a loss as to how I recoup the money I feel they have stolen from me with these fees and unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX : {$240.00}
Product: Money transfer, virtual currency, or money service

XX/XX/2019 XXXX : WIRE TRANSFER To whom it XXXX concern : I went to transfer money via Western Union XXXX at a local XXXX only to be told that I was forbidden to transfer said money as there was a security issue which has been present since XXXX of 2019. I have sent numerous emails and spent hours on the phone to have this issue addressed to no avail. Please remove this alert or provide a detailed explanation as to why I am unable to use your services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on Equifax Report XX/XX/2023 and I noticed that this Inquiries had been made
Product: Debt collection

I entered into an agreement to pay {$30.00} each month until the balance was paid in full. After some time ( a year or XXXX maybe ) the company refused to acknowledge this agreement and reported it each month as " Failure to Pay '' even though I made my payment every month, often more than the agreed amount. It took 4 years to pay it but I paid every dime + interest that i owed per the agreement I entered into despite the fact that they failed to honor their end of our agreement. They are still reporting it as Failure to Pay on my credit report. Attached is a record of every payment made and when it CLEARED my bank as well as the interest paid each month ( final payment was not recorded but was paid in XXXX or XXXX 2013 ). I also have statements from the company if you need them showing my payment amount and the due date.The statements stopped coming I assume when the person I made the agreement with left the company 's employment. I do n't have immediate access to them but will locate them in our storage unit and have them available should you require them.
Product: Credit card or prepaid card

I used my USAA Visa to secure a rental slingshot shortly after Covid19 restrictions began to lift. The transaction date was XX/XX/20 for {$270.00}. The originally scheduled rental/pickup date was XX/XX/20. Due to the heavy downpours I contacted the company spoke with the XXXX who I recently came to find out was the owner XXXX XXXX and he agreed to reschedule the rental for XX/XX/20. I received 3 calls from XXXX one of which was to apologize because he could not go through with the rental due to mechanical issues and he would issue the full refund. After receiving my credit card statement on XX/XX/20 I immediately contacted the business and was advised the charge was reversed on XX/XX/20 when he called me to cancel. Within 5 minutes of that call I contacted USAA to file the dispute. When I attempted to logon to the website and download their terms and conditions for USAA it was inaccessible and still is. They shut down completely. The phone number is disconnected. I thought I would be protected against something such as this which was the reason for using the USAA card. 

USAA in their first letter dated XX/XX/2020 advised We may also contact the merchant for information related to this transaction which I am not sure if that was done or not. If so I never received a copy of the merchants response. 

USAA in their second letter dated XX/XX/2020 requested A detailed letter explaining the dispute and A copy of the Credit Transaction Receipt. I immediately provided my detailed letter and a copy of the emailed receipt because the reservation was done online. The receipt does not indicate any language regarding rescheduling and/or cancellation. 

USAA in their third letter dated XX/XX/2020 denied the dispute and stated A review of our records indicates that the requested information necessary to continue our investigation into the disputed transaction was deemed insufficient. Based on existing information in our record, there is insufficient evidence to support your claim. As stated the transaction was conducted online. The company called me and cancelled and then closed up. All I had from them was the emailed receipt. What is USAA expecting me to produce? They do not have my signature because I never picked up the rental. 

I am a consumer who made a legitimate purchase with a company that was active and closed down without providing the service I paid for.