23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$710.00} from Creditor : PORTFOLIO RECOV ASSOC , has violated my rights.

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 an account without my written instructions.
Product: Debt collection

Iqdata international has illegally charged me interest on a debt associated with a apartment bill, they have been reporting wrongful amounts to credit report charging me false interrdt charges that are completely illegal and are violating the credit report act. I have submitted a complaint to the bbb and they will not respond. Call the them and told Iq data they are breaking the law. Others are being forced to pay these false rates or they will not have a clean report. This is bullydog tactics, consumers are being blackmailed by this company. I have contacted the debt owner XXXX XXXX and they will only go through iqdata international, I have told them exelactly what iq data is doing and they refuse to contact them about this.
Product: Credit card

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I have checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I have also noticed the late payments reporting inaccurately across the bureaus. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to on-time payment if records are not proven I was late. I have attached the inaccuracies of the late payments reporting on my credit report.
Product: Payday loan, title loan, or personal loan

The following company took taxpayer money and is now advertising that they will change their policy on lending : Citigroup.

Here is part of the article : Last month, Citigroup added restrictions on firearm sales for new retail-sector clients, requiring them to sell firearms only to customers who passed a background check, restrict sales for buyers under 21, and not sell so-called bump stocks or high-capacity magazines.

I was good enough to give them my taxpayer money, but a company will not be able to get equal lending policy due to restrictions that CITIGROUP thinks should happen in commerce.
Product: Student loan

I just received an email from " Navient '' asking for {$100.00} payment. I am still in college and do n't know why at this time they are asking for money. My service was with XXXX & it looks like this is the new company that has taken over. I was told I did not have to start paying the loan back until 6 months after graduation. 
I just read the reviews on this company. I do not want to deal with them. What are my options?
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX My credit was pulled with my permission.
Product: Debt collection

I received a notification on XX/XX/XXXX that XXXX XXXX XXXX had reported a collection account with a balance of {$730.00} on my XXXX Credit Report. The reported account references an original creditor by the name of 12 AFFIRM and indicates the accounts was opened in XX/XX/XXXX. I have never received services nor have I conducted businesses of any kind with XXXX XXXX XXXX or 12 AFFIRM. Any account opened in my name with either entity is fraudulent and the result of identity theft. I attempted ot contact XXXX XXXX XXXX but was not successful in getting any additional information and XXXX XXXX XXXX refused to remove the fraudulent account from my credit report which has now caused a decrease in my credit score. Attempts to speak to a XXXX representative were made on XX/XX/XXXX and XX/XX/XXXX. I would ask that XXXX XXXX remove this fraudulent collection account from my XXXX report immediately and be prohibited from any future reporting.
Product: Student loan

Hello, I attended XXXX XXXX XXXX XXXX XXXX XXXX from XXXX. The school used deceiving tactics to have students take out more loans than necessary as well as false claims of job security post graduation. I have waited in hold for countless hours by my loan servicing company to try to be taken out of forbearance but it is impossible to get a hold of someone and if the loan was taken out of forbearance, it ends up going right back in.
Product: Debt collection

The company CREDITORS BUREAU ASSOCIATES is based out of XXXX XXXX. This collection agency is not licensed to collect debts in the state of XXXX  and is seeking to collect a claimed debt from XXXXXXXX XXXX  The company that is attempting to collect the debt is reporting a balance that is not realistically close to the charges of the medical facility they claim they are representing. XXXX XXXX XXXX XXXX XXXX  has a cap for the cost to be seen at their office currently that does not exceed {$240.00}. The visit I had in XXXX would have been cheaper during that time with the exception I was medically insured by XXXX at the time. CREDITORS BUREAU ASSOCIATES Reported on my credit report a debt of {$580.00}. I have not signed into any agreements with this company or provided them permission to access my medical information. I received multiple notifications prior to them reporting a fraudulent debt to my report that my information was part of a data breach from multiple medical facilities including from patient XXXX where this agency claims to be recovering a debt. I have attempted to dispute the debt. 

XXXX ID : XXXX This agency is only licensed/registered to collect in the state of XXXX XXXX XXXX 

This agency is in violation of XXXX XXXX XXXX XXXX XXXX XXXX of consumer collection agencies required.
Product: Money transfer, virtual currency, or money service

We got an email from what we thought was our loan officer to wire money for the down payment of our new house of XXXX dollars so we did and found out it was a scam and reported it to the fbi and our bank 2 days after the monet was sent to XXXX XXXX XXXXXXXX then we got information from from XXXX XXXX our mortgage companies fraud investigator that XXXX went over seas and XXXX dollars was frozen in an account at wells fargo and we were under the impression that XXXX XXXXXXXX XXXX sent a hold harmless agreement which has yet to be determined since both banks have yet to hear anything from twinstar credit union which is our bank XXXX XXXX who sent XXXX and XXXX XXXX XXXX who sent XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEFENDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax has has my first name spelled wrong on my credit report, I have contacted them multiple times by email, phone and written letter to correct this. I have sent them documents and copies of my drivers license, birth certificate and social security card to support my claim but I have not received any response from them. I have been denied credit cards, loans and other forms of credit because of this issue.
Product: Credit reporting or other personal consumer reports

MY SITUATION IS IDENTITY THEFT I HAVE FORMS INCLUDED IN THE ATTACHMENT. 
SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft and have previously made reports to my local police, FTC, XXXX, XXXX, Equifax and Creditors on XX/XX/2019. I have placed Fraud Alerts and Credit Freezes on my reports in the past, but my credit file has continued to be breached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} o XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} o XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX Date XXXX o XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} EQUIFAX : o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} o XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} o XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date XXXX o XXXX XXXX A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX o XXXX XXXX A ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit card or prepaid card

XXXX XXXX claims they are charging % 27.49 interest rate on my XXXX store card but they actually charged over % 60 interest on my last two billing statements.

When I contacted XXXX XXXX they continued to insist that 60=27 and they declined to credit me. They say my promotional rate for purchases has run out and as a result the interest for purchases made 3 months ago is accumulated and that is the reason that 60 = 27. I can understand a promotional rate running out, but when they continue to insist they are only charging one rate while the math shows they are charging another rate, that's absurd and insulting.
Product: Student loan

I am writing to dispute the reporting of late payments on my student loan account managed by Nelnet Loan Services Inc., which has been transferred to Sloan Servicing. The late payment entries for XX/XX/XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX are incorrect. My account has been under forbearance during these periods, and therefore, no late payments should have occurred. 

Account Number : XXXX I have previously addressed this issue through a certified letter sent to the loan servicer, which was returned to me. I am now seeking the assistance of the CFPB to have these incorrect late payment entries removed from my credit report as they do not reflect the agreed-upon terms of forbearance. 

Enclosed with this letter are copies of the documentation that supports my claim, including the forbearance agreement and the returned certified letter. 

I appreciate your attention to this matter and look forward to a resolution that corrects my credit history.
Product: Vehicle loan or lease

I have been XXXX for the last two years. I got the car in XX/XX/XXXX. For the next 6 to 7 months my payments were always on time or even early. In XXXX I made two car payments to try and pay interest. I lost my job and became XXXX in XXXX. I then applied for XXXX  which takes up to one year or more to get settled and deemed XXXX via government. I got a letter from Exeter Finance to settle the account in XXXX XXXX They charged off the account without notifying me then sold it to another company. My ADDRESS XXXX XXXX XXXX XXXX XXXX has ALWAYS been my address. I didnt even live at a XXXX XXXX at this time. They claim that they sent a letter of notification to an address I lived at years ago. They always had XXXX XXXX XXXX and I never received notification or calls that this is what they were going to do. I also notified that I was XXXX and no money to my name. They had this information but now lying saying they didnt. When I finally got XXXX in XXXX I called to see if I could still settle the account due to the letter they sent but they said they sold it. These finance companies lie and still get over on the customer. XXXX is a long drawn out process that I had to go through before I even turned XXXX. I want to settle the account for the 20 % of the loan they offered. I dont want a collection or charge off to still show. I will need it fully removed and my title. I tried calling them multiple times in XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX to see if there is a chance to get the settlement agreement done but they have given my the run around with no resolution. Plus the charge off dates are reported invalid on my credit report as well as payment past due dates. I was current until XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent by mistake {$4000.00} from the XXXX XXXX bank to a TDBank closed account The money went to TDBank and was not returned yet to my XXXX XXXX account. 

XXXX XXXX tells me that they can not ask for the money back and TDBank tell me that they can not find anything. 

What XXXX i do?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Bank Processing Delay : I made my payment on time, but the delay in processing by XXXX XXXX XXXXXXXX led to the late payment being recorded. Attached is a copy of the bank statement showing the payment date. The delay was on the part of the bank and not due to any action on my side. 
Discrepancy in Due Date Communication : There was an inconsistency in the due date communication, which I raised with XXXX XXXX XXXXXXXX. The discrepancy between the statements I received and the payment due date caused confusion. I have attached correspondence with the bank that acknowledges this discrepancy. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Discrepancy in Collection Account Reporting - Request for Removal from Credit Report Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue regarding a collection account on my credit report that does not align with my personal information. The account in question is associated with GENESIS, and I have reason to believe that they do not possess the proper documentation to accurately report this account on my credit report. Upon reviewing the details of the collection account, I have identified discrepancies in the information provided, specifically concerning my social security number, date of birth, and driver 's license number. These discrepancies lead me to believe that the account in question may not be accurately linked to me. I am formally requesting that the collection account associated with GENESIS be thoroughly investigated and, if the information provided does not match my personal details, be removed from my credit report promptly. It is imperative that inaccurate information does not impact my creditworthiness and financial standing. I appreciate your attention to this matter and kindly request your assistance in resolving this discrepancy. Please do not hesitate to contact me if further information is required to facilitate this investigation. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am a recording artist through " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX '' I have been producing products for over 10 years with XXXX XXXX. I was using PAYPAL as my " Payment of Choice '' for receiving my sales revenue. Both XXXX XXXX and PayPal have provided me with documentation that shows ONLY 5, of the most recent payments into my XXXX  XXXX XXXX bank account. XXXX XXXX has provided me with 3, pages of additional payments dating back to XXXX. I can't reach anyone at PAYPAL who can " REFUND '', or RETURN to XXXX XXXX those payments that I have never received. The amount I am due is {$11000.00}. At least that's what my XXXX XXXX XXXX Account page shows. XXXX XXXX has assured me that they can " REISSUE '' my payments as soon as PAYPAL can confirm that I never received those funds. I have NOT been able to reach anyone at PAYPAL. The IRS will be expecting me to pay TAXES on that income if it is indeed my revenue. Can you help me reach someone at PAYPAL who can address this legal issue concerning my bank account information and TAX ID?
Product: Payday loan, title loan, or personal loan

Good Afternoon, I have a private loan with Navient called the Bar Study. I requested instructions on how to make extra payments towards the principal amount. I received instructions on how to accomplish this task. I paid extra according to their instructions and when I reviewed my account the money went solely to interest. I again emailed them and then was told that I could not may payments with special instructions to the principal amount. I believe Navient is purposely trying to keep customers from paying off their loans early.
Product: Checking or savings account

I just try send simple cashiers check to my house to pay a vendor for some thing and they lock my account and all my funds in my checking account I need pay bills and groceries they cant just lock me out they say they contacting fraud department to let them know my cashier check was me and verified but still no response Im having XXXX XXXX they shouldnt be able legally lock my funds like this indefinitely during holidays
Product: Credit reporting or other personal consumer reports

I have previously disputed, the XXXX XXXX XXXX XXXX XXXX dated XX/XX/2018 ; Reference XXXX XXXXXXXX with you the credit report agencies and in response you the credit reporting agency verified the item as accurate stating that you have " verified the information with the court ''. The courts do not report to credit report agencies ever or any credit bureau for that matter ; It is fact that public record of a bankruptcy showing up on a credit report makes the report, false reporting, and a violation of the Fair Credit Reporting Act, FCRA 611 ( 15 U.S.C. 16811 ). Therefor XXXX XXXX XXXX XXXX XXXX and Experian 's original response asserting verification of the item with the court is an error, a violation of FCRA, and or a lie too, In each instance, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately unquestionably.
Product: Student loan

I submitted an application to the SAVE program on XX/XX/XXXX on the studentaid.gov site. XXXX reported this application as received on XX/XX/XXXX. The monthly payment amount listed under the SAVE plan is {$280.00}.

Edfinancial ( my servicer ) transferred my account to their new platform on XX/XX/XXXX, listed a payment amount of {$510.00}, due on XX/XX/XXXX. On XX/XX/XXXX, I received an email that I had new messages regarding my student loans ( attached ). These messages asked me to recertify my XXXX plan, but did not acknowledge my SAVE application. 

I uploaded my XXXX tax return to Edfinancial 's site, even though they should have already received it as part of my SAVE application. I also emailed Edfinancial multiple times, using the form on their site, asking for information about the status of my SAVE application, and requesting that my loans be placed into forbearance if they could not process the application by the payment date of XX/XX/XXXX. I received no response to any of my emails. 

Having heard nothing from Edfinancial, I telephoned the servicer on XX/XX/XXXX. When I spoke to a representative, I was told that Edfinancial had never received my XXXX application, but they could begin processing a new application immediately if I paid a {$5.00} fee. I did so ( the confirmation email is attached ). I asked about putting my loans in forbearance until the application was processed, and was told that Edfinancial would not do that, and that due to the " on ramp '' this would not matter. I did not, and do not, believe this to be the case, because I will still have a larger amount past due at the end of the " on ramp '' period than I should under the SAVE program. 

On XX/XX/XXXX, I reviewed my account to see that not only did Edfinancial not put my loans into forbearance or acknowledge the existence of my SAVE application, but they have increased my payment amount for XXXX to {$950.00}. I have received no correspondence from Edfinancial explaining why my payment nearly doubled, and is almost 4 times what it should be under the SAVE plan.