23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

According to the FCRA the account named, TRUEACCORD CORPORATION has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of accurate debt if valid ; ( 2 ) the debt owed is a culmination of what alleges to be fraudulent charges ; retained deposits, were not returned, were undisclosed and unaccounted for. Name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a
statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I returned an item to XXXX in XXXX XXXX, MD. The amount of the return was {$26.00}. The return amount was credited back to my American Express Bluebird card, the same card it was purchased with. 

On XXXX XXXX, 2017, American Express Bluebird received the credit to my account but refused to release the money back into my account in a timely manner. Instead several days later the refund is still held up and not released back into my account. When I call them they say it can take several days. This is different than other credits to my account less than a week earlier. The earlier credits to my account were processed in 1-2 days from the merchants point of sale device. 

What American Express Bluebird is doing is holding my money to use for its own purposes and I believe this violates my consumer protections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its the fact you stated you didnt receive my identification to locate my file which I know is a stall tactic but I want to make sure you get it this way so you can stop saying you didnt get my certified mail and this is not an error that I'm resubmitting this.
Product: Debt collection

So around XXXX I believe it was I took out a {$4000.00} loan through Republic finance. I went through hardship and wasn't able to pay the loan back on time so they started garnishing my wages they garnish my wages for {$6600.00} for a whole year I only borrowed {$4000.00} from them the garnishment was paid off and done. They send out a letter harassing my bank trying to get my bank to garnish my wages again for {$700.00} that they claim I still owed for interest in late fees I said that's nowhere possible that I still owe you guys money after garnishing my wages for almost {$7000.00} and my loan amount once again was only {$4000.00}. They still have this full amount sitting on my credit report they haven't made any reports to my credit report at all regarding it being paid off. I contacted this company and ask them to send me down a breakdown of how I still owe them {$700.00} they never sent me a letter I got a letter stating that I am released from garnishment from XXXX XXXX I don't even know how they contacted XXXX XXXX Court system and for what so I've been trying to get this done and off my record because they have got paid more than enough more than enough money than they even owed and they're giving me issues so I'm taking it a step further.
Product: Credit reporting or other personal consumer reports

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 

Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : XXXX XXXX XXXX XXXX ( A ) ( i ) XXXX XXXX XXXX ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Student loan

I have tried over the past 10 years or more to understand the libor index, the origination fees, the fees on top of unaccounted fees from XXXX XXXX XXXX and Bank of America since XX/XX/XXXX. They can not dispute all the additional monies I have accumulated from the original loan of {$20000.00}. I hired a private attorney XXXX XXXX of XXXX, Ohio at XXXX, to clarify the mass paper confusion, which has cost me thousands of dollars from this private parent loan from XX/XX/XXXX, it will be XX/XX/XXXX and I will be XXXX years old. Bank of America 's liaison person is XXXX XXXX at XXXX ext. XXXX sent me a document with a XXXX XXXX instead of XXXX XXXX, which is not my son 's last name. I called her several times before she responded to the bank 's mistake on that financial document and correspondence between the bank and the school. I am forwarding in an attachment of the " wrong names '' and the scratch out numbers that are hand written by the bank of {$34000.00}. Please not the time lapse of two months before the document was revised without the {$34000.00} displayed with new fees. Bank of America / XXXX refused to answer XXXX XXXX 's correspondence of his calls regarding his findings. I ran out of money before a resolution was completed. I ca n't compete with a XXXX dollar corporation. I hope that this new paper work will create some serious questions into the past lending practices of this bank, that cause them to shut down their private parent loans department.
Product: Debt collection

This is a debt from a lease that I ended without property damage or penalty, and the landlord and I never discussed additional monies that I owed. There was no communication on the part of the landlord or debt collection agency, and I deny responsibility for this collection amount.
Product: Debt collection

There is a debt on my credit bureaus from Revenue Group. XXXX {$3700.00} ) First I disputed the debt in which I was notified they would notify me once their investigation was complete, I have yet to hear from them. I asked for full verification not just to confirm my address. I want proof this debt is mine with verification of my signature stating I agree to pay this debt, any insurance payments or denials regarding this debt and verification where I authorized the original creditor to release my information to a third party. Revenue Group has called my place of employment on several occasions and they have been told not to contact me at work.
Product: Student loan

I am filing this complaint against Nelnet due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over XXXX late payment entries from Nelnet, which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced under these conditions.

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported.

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving Nelnet raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, Nelnet may have incorrectly or fraudulently reported late payments that I did not actually incur.

3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I recently challenged the validity of all inaccurate account thats being reported on my most recent credit report. Upon challenging this, equafax you did not deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these account with your company you have verified these same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, I am requesting the information you used to verify these account in writing. Including Original contract with my original signature, creditors information and original address, payment history of accounts and proof of ownership of all debt. If such documents can not be produced DELETE this account from my credit report immediately. If not I will be taking further actions! 

Best Regards,
Product: Credit card or prepaid card

So the issue is that I had a major injury during my vacation. I had to go to the hospital in XXXX. They told me that everything would be {$5000.00}. So I agreed and they did XXXX and recovery. Then I got these additional charges, and they are justifying it because they had my credit card to use it. I don't have it in writing as I was rushed into the XXXX. But the idea as you can see from all the disputes that they charged me 3 times. 

I have disputed all 3 charges and let them know that one of them should be for XXXX XXXX only. Yet they are not listening and are allowing the disputes to cancel and this hospital in XXXX XXXX to just charge me XXXX I want them to cancel the 2 un-acceptable charges against the card. And lower the main charge to the XXXX XXXX that was promised to me before I was rushed into XXXX. 

To add onto all of this I had to get a second XXXX here in the USA to fix and remove all the damage they did during the original XXXX. So I paid for a XXXX that literally did nothing.
Product: Vehicle loan or lease

Today XX/XX/2022, I spoke to a collection agent by the name of XXXX and her supervisor XXXX XXXX ... And they advised me to make a payment today which was {$150.00} balance that was left over to keep my car from going into a repossession status. And we came to an agreement and I understanding that that would be done by the end of the day which is XXXX p.m. I made a payment using my checking account and call back to inform them that the payment was made, I then spoke to a XXXX or XXXX advisor of the payment and she canceled my payment out of spike and put my car into a repossession. I then call back and spoke to an XXXX and XXXX advised that XXXX or XXXX I'm not sure of her name had canceled the payment and put the car into repossession. XXXX advised me like the supervisor had before to get the payment in tonight to avoid repossession and to call back and make an extension to defer the payments. She also advised me to call before XXXX p.m. Pacific standard time which is XXXX p.m. eastern time to make the payment. I called back at XXXX p.m. Pacific standard Time and the company was already closed. I took it up on myself to do a payment by phone with my debit card because it had not been the end of the business day. And after I made that payment that's when I called back to advise them that the payment was made with my debit card and it was immediately debited out of my account. I feel like I was being harassed I also was lied to and insulted at the same time. I also feel that this company is not a buying by their legal clauses along with policy and procedures. Also when I spoke to XXXX I even told her that I was going to file a complaint against this company with the consumer financial protection bureau and she advised me that she knew what the company was and because I was threatened her with legal actions which this is not an attorney 's office for legal advice or legal lawsuit.. she began to harass me and threatening me with and repossession because of me mentioning the CFPB. I understand this is a loan company but they're going the wrong way about collecting funds for a loan by harassing, insulting, and humiliating customers to get a payment. I have looked online at the XXXX XXXX XXXX  complaints in regards to this company and they have over 136 complaints for the same issues within a matter of one year. Attached you will find two screenshots of my account with the {$150.00} being paid on the XXXX to Global Lending Services
Product: Credit reporting or other personal consumer reports

The address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CT XXXX, is showing up on my credit report and I have never lived there nor do I currently live there. 
Please remove this address from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the balance on this account months ago in full for Comenity Bank XXXX but they will not update paid as agreed never late for this account. They accepted my payment & I want my credit reports updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD AFTERNOON, I WOULD LIKE TO EXPRESS AN IMMENSE AMOUNT OF CONCERN REGARDING THE XXXX VACATION ACCOUNT THAT IS CURRENTLY REPORTING ON MY CREDIT REPORTS : XXXX  AND TRANSUNION. I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO RECTIFY THIS ERROR SINCE XXXX OF 2020. NOTHING HAD BEEN DONE BY NEITHER CREDIT BUREAUS, NO ACTION HAS TAKEN PLACE TO THIS MATTER. I DEMAND TO KNOW WHY THEY HAVEN'T BEEN ABLE TO REMOVE THE NEGATIVE ACCOUNT, I HAVE NOT RECEIVED ANY RESPONSE FROM THEM EITHER. PLEASE HELP ME WITH THIS MATTER IN ORDER TO RESOLVE THIS ISSUE ... .I GREATLY APPRECIATE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I went into the XXXX XXXX XXXX of XXXX in XXXX Alabama. A salesman greeted me and I told him that I just had my car refinanced and cut my interest rate in half, etc., but had noticed {$3500.00} incentives for a new XXXX XXXX, which I am interested in and the incentives ended in 2 days. We did the usual looking at my car and what they had available. I told him that my credit wasn't the best, have really been working on it ; I was out of work over 9 months because of a workplace accident, and workers comp isn't much. I knew that XXXX XXXX XXXX has a program to help, and the {$3500.00} incentive would really help. The salesman was XXXX. XXXX. He took my car keys to value it as a trade then when he came back said he would give them to me later. I was curious. I only wanted him to try XXXX XXXX and told him so. Quite a while later he came back and said that he couldn't get it financed. I asked for my keys back and he had to get them. I kept hearing notifications on my phone, and angrily told him that my XXXX  credit report, that I monitor, had " hard pulls '' for credit checks at least 5 times. I was LIVID. There were XXXX total, the only activity on all 3 reports for that day, XX/XX/2021. Equifax had 9 ; XXXX had 5, and XXXX  had 5. I found this out the next day. Two things are happening because of that ; my score is greatly lowered and the inquiries stay on there for TWO years. And if I apply for any other type of credit product, it looks as though I'm being irresponsible and just applying for anything ... not a good credit risk as they would see it, and it affects my ability greatly to try for another vehicle any time soon. I was just approved for a refinance loan! Furious. Only gave permission to check XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I dispute the unauthorized hard inquiries listed on my report. Remove them under 15 USC 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorize credit inquiries reporting on my credit report. I have notified Equifax to delete all unauthorized credit inquiries from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of thi consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed IMMEDIATELY!
Product: Student loan

XX/XX/2019 checked personal email and noticed a Navient email from XX/XX/2019 regarding an application for income driven repayment plan. I did not apply. I called and spoke with XXXX at XXXX EST. She stated there were documents that did not pertain to me, my loans, or my account with Navient. I asked that the call be transferred to a supervisor and spoke with XXXX at XXXX EST. He informed me that the call was transferred to him with the incorrect account information ( my not reason for the call ). He got back on the line and explained that the documents of another customer were incorrectly scanned into my account. He stated he would put in a support request to have the invalid documents removed from my account. Is there anything else I can help you with?. I explained that, that was not an explanation and did not make me feel less concerned as my own documentation is in my account and Im not sure whats happening to it at this time. I requested to speak with another supervisor. The call was unable to transfer so I received a call from XXXX at XXXX EST. I informed her what was going on and she stopped me mid sentence to verify my identity. This is the FIRST time Ive verified myself during this process ( which I did let her know ). She said this is a serious issue that records and documentation are NOT being verified when being uploaded to customer accounts- when being received by fax. Online uploads have a time stamp. I asked if this wouldve been caught had I not called being concerned, the answer was no since it was already an accepted application posted to my account. It wouldnt have been able to process the app, but there was no way to follow through in the duration. I did tell her there are serious repercussions of this, had I not informed them of their mistake. This girl was requesting INCOME DRIVEN PAYMENTS!!!! Im not sure what her situation is, but had it not been processed and accepted, this could have defaulted her accounts ; in turn, affecting her credit report. XXXX apologizes and thanked me for my effort, and was grateful to me for the other customer. She also said shed make a follow up call to maintain communication regarding the documentation being removed. I did ask that she upload the documents to the correct customer account. What I am upset about is XXXX, whos meant to be a supervisor, wanted nothing to do with this call. Did not want me to voice my concerns. Did not care how I felt regarding VERY sensitive and personal information pertaining to mine and an entirely separate persons account. I expressed my disappointment in XXXX to XXXX ; again, sensitive and personal account information. Reiterating that my identity was NOT verified, I am extremely concerned with how documentation and application processes are being managed.
Product: Mortgage

I sold my house in XX/XX/XXXX and am owed an escrow check of {$290.00} I did not receive a check until XX/XX/XXXX and was unable to cash it because the check was expired. I was told a replacement check was reissued XX/XX/XXXX I have called 3 times to ask where the check is they keep putting me on hold and hanging up. 
The Company is loan Depot, my loan number is # XXXX my name is XXXX XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX I am a student at XXXX XXXX XXXX XXXX. 

My student number is # XXXX. 

On XX/XX/year> I was issued a refund to my chime bank account it was successfully deposited on XX/XX/year>. 

I called chime on XX/XX/year> to verify if there was any funds they told me no. 

I became frustrated cause I knew they were lying cause the check cleared on the XXXX of XXXX, I became so frustrated cause I got the email from my school telling me the bank has gotten my check I told them I knew they were lieing and they said they weren't so I told them to close the account because the address on file was XXXX XXXX XXXX XXXX, ma XXXX and it was engaged in fraud stealing my money and checks and other legal documents. 

On XX/XX/year> I called chime 3x I finally got a hold of someone around XXXX XXXX  that verified my check was deposited on XX/XX/year> and the prior representative on XX/XX/year> I told to close my account had lied! And they sent me a check on XX/XX/XXXX XXXX it is now XXXX XXXX. I have had alot of fraud in my name done by this address I lived at close to 10 years ago and they keep stealing my mail and checks and court correspondence. The refund check was in the amount of {$660.00} wich originally came from my school XXXX XXXX XXXX XXXX forwarded to my account ( chime ).