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

The charges of {$1600.00} on account XXXX XXXX XXXX XXXX are fraudulent &  were not authorized by me. All the information on this account was changed including number & address that I have no association with.
Product: Student loan

In the previous year, I had an income-based repayment plan for my consolidated student loans through  Navient ( formerly   XXXX   XXXX   ). D ue to unemployment, I was put on a hiatus, where I was told I did n't have to pay on my student loans, but I could pay on my interest if I wanted. By phone, I was told my next due date to pay would be   XXXX   XXXX   XXXX    . In  XXXX , I received an email from  XXXX  stating I had to refile for an income-based repayment plan for the current year. I went online to file at studentloans.gov and they gave a choice : start my repayment on the agreed upon date or the repay earlier. I chose to keep the date I had agreed on earlier :   XXXX   XXXX   XXXX    . They created an application stating I was to start paying in  XXXX . There must have been some kind of glitch in the system. I called  Navient a nd they said that they could not fix the application but I could apply for a forebearance for  XXXX  and   XXXX  . I do n't want to do that because I might need a forebearance for later.  Navient c alls me every day and emails me mildly threatening emails about paying and recently added late fees on my account. I called  XXXX . They 're being shady. The last person I spoke to, who said she was a  manager, said they could not change the application, but I could refile an application for inc ome-based repayment. I am going to do this but I do not feel it will solve my problem. I think t hese two :   XXXX  and navient are in cahoots with  one anot her to get more money out of us. If I am saying it is a glitch, why ca n't they just make an adjustment to my application? If I really wanted to start paying earlier, this would not be an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a text alert about a change in my credit file from Experian XXXX. I immediately went to my credit report and discovered a credit line for {$1700.00} with XXXX - opened on XX/XX/22. I have not applied for credit with this company and do not know who they are. I searched for a number to call and found the number and called continuously to speak with someone about this. I get the following message : Welcome XXXX XXXX. Your call will be answered by the next available representative. It then makes one beep and repeats welcome to XXXX XXXX  we are not available to take your call, please left a message and we will return your call during our normal business hours. I first time I left a number and a message. Never received a call back. I called continuously yesterday and today. Will the same message. No one answers the phone. I am very concerned because someone open credit for {$1700.00} in my name that will not be paid because I do not know this company and did not apply for credit with them. In searching the web, I also discovered that they have a mobile app and are located in XXXX. I am in XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to send another complaint because the one I have sent a month ago has been disregarded. I am disheartened by the results, and my mental health has been affected due to the loan applications that I couldn't get.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inaccuracies on my credit report need to be removed and blocked from my credit file soon as possible I can not obtain any credit in my names because of this problem please have high concern of this manner it is effecting my financial life thank you XXXX
Product: Credit card

Was sued by company in small claims court I XXXX XXXX never had or possessed a capital one card back in 2012 they sued me and garnished my wages I have never had a credit card with capital one in my life.
Product: Credit reporting or other personal consumer reports

I am having a problem getting my XXXX XXXX XXXX and consumer report from Innovis. I want Innovis to mail me a complete copy of my Innovis consumer report.
Product: Debt collection

Approximately 4 months ago I settled a debt with Conn 's Appliances , Inc. through the collection company for which they referred my deliquent account to XXXX XXXX XXXX XXXX. The balance due was {$2000.00}. I contacted XXXX XXXX XXXX and stated to them that I was rebuilding my credit and I would like to settle the outstanding balance. We negotiated and agreed upon a favorable amount of {$980.00}. I received a letter from XXXX XXXX stating their client Conn 's Appliances , Inc.,  authorized to proceed with the settlement offer. I provided XXXX XXXX XXXX a posted dated draft from my checking account which authorized the payment draft for XXXX/XXXX/XXXX. I received a letter from XXXX XXXX XXXX dated XX/XX/2017 they received the payment and posted the payment to my Conn 's Appliance Account. I have reviewed my credit reports from all three bureaus and see where Conn 's Applicance is providing falsified inaccurate information on my credit reports stating I have a remaining owed balance of {$990.00} that is delinquent. I written all three credit bureaus with supporting documentation of agreement and cancelled draft/check that shows this is now a settled debt. All three bureaus are telling my that Conn 's Applicance is stating I owe this amount and the account is still open. This is not fair nor is this in compliance of the FTCA.
Product: Consumer Loan

I have a charged off loan with Citizens Bank and I informed them that I wanted a true statement of what I owe to the bank. I feel as though I do not owe the amount listed. I also requested a loan forgiveness due to the fact that the vehicle was not fully operable and there was a significant likely hood that the City would tow the vehicle because it did not have tags. I made the request to donate to charity ( School XXXX ) I was told that they were only willing to initially accept 80 % of the balance. After additional conversations I was told 55 % or make an offer. I made an offer and was told that was not sufficient and when I inquired about the true amount owed I never received a straight answer. I was more or less told that the bank was willing to have a liens placed against my home from the city with the intent to still collect the said balance. I was told if I wanted to escalate this issue I had to write the Office of the Chairman. I received a response from the representative that was in the customer relations department because apparently that is the only way to file a complaint with company. This is a bit discerning because if the letter was sent to the Office of the Chairman and the Resolutions department responded, did the letter actually go to the Chairman 's Office ( if it even exists ). There is no means to reach anyone at the bank and there seems to be a lot smoke and mirrors when customers attempt to manage their accounts. The practices are not consistent and leave the customer to be concerned about it their issue is being truly addressed because the level of deception that the customer is presented with dealing with various representatives that work within the various departments. I would like them to forgive the loan as it is my understanding that once a business charges off the account the Federal government gives them a tax write off. Also companies have insurance to protect them from certain debts. My loan was paid off essentially the day that it was charged off. The bank if very well aware of this. However they still want to collect no matter the circumstances that befall the client. That appears to greed. Without the true knowledge of what is the said true amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  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 a account without my written instructions
Product: Debt collection

This account has been close, no balance own on this account. I have ask them to remove it because its hurting my credit and me from getting a home
Product: Credit card or prepaid card

I made a previous complaint about another matter with the CFPB in regards to a payment issue with this same account. This complaint provides additional evidence that the company did not take the action they told the CFPB they would take and instead closed my account with a negative remark impacting my credit and potential borrowing power in the future. This puts in risk my ability to obtain a mortgage in the future. 
I have attached a letter for the credit company stating they closed my account due to dishonored payments ( it was XXXX that was the subject of my previous complaint ) this letter is dated the XXXX. 
The company responded to XXXX on the XXXX with the full knowledge that they would close my account and report a negative closure but excluded that from the response letter they submitted to the CFPB. I have attached both.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure of dates but one was from XXXX one from XXXX through XXXX that i never had or did anything for, also XXXX bills through the XXXX XXXX when i had insurance through XXXX but they never paid it and added it to my account to make my credit bad.
Product: Prepaid card

Subject : PayPal Unfairly Holding Funds Dear Consumer Financial Protection Bureau, I am writing to file a complaint against PayPal for unfairly holding funds that have been cleared by the senders bank. 
I received a payment of XXXX XXXX from XXXX XXXX via PayPal. Despite the funds being cleared by the senders bank, PayPal has continued to hold the money. 
PayPal has repeatedly assured me that the funds would be released at midnight, but this has not happened. I have contacted PayPal multiple times regarding this issue, but they continue to provide inconsistent and unclear explanations. 
I believe PayPals actions are deceptive and unfair, as they are representing that the funds are available when in fact they are not. This has caused significant financial hardship for me. 
I am requesting the CFPB to investigate this matter and take appropriate action against PayPal. I have attached copies of all correspondence with PayPal for your review. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX to review my credit report. I have a extend fraud alert on my credit reports. XXXX  did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act true accord corporation has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 12 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. This account is inaccurate and against the law to furnish on my report. Account name XXXX XXXX XXXX THE GENERAL IN COMPANY. Please remove this account from my report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in documentation that items on my credit report were inaccurate. I provided the proof and they were not removed.
Product: Debt collection

I found out my XXXX  child have a credit t with this company and i am requesting these items to be removed from my daughter profile and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my XXXX child as well i am including my license showing i am the mother my child birth certificate and her social as well WITH MY RECENT BILL
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Trans Union LLC report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX I entered into a consumer transaction with XXXX XXXX aka XXXX XXXX XXXX  XXXX XXXX. I was told by them, that a down payment of {$10000.00} was needed to drive off the lot, and to even be considered for financing. Violation of USC 1692e. The dealership also never informed me of my right of rescission, violation of 12 CFR 226.23 ( b ) ( 1 ). Transparency regarding the process of consumer credit application being a financial asset was never received either, violation of 12 CFR 360.6 ( 2 ), as well as self liquidating paper, violation of 17 CFR 260.11b-6. 

I contacted XXXX XXXX aka XXXX XXXX XXXX  XXXX XXXX by phone, to communicate my observation, and was told by the finance and insurance manager at the time to talk to CAPITAL ONE AUTO FINANCE. I then contacted COAF and the told me to contact the car dealership. As you would assume, I was/am confused and furious, and being misdirected on purpose. 

Around the end of XXXX, beginning of XXXX, I have sent the notice of rescission, right to rescind document to CAPITAL ONE AUTO FINANCE. The response was that I should communicate with the car dealership, and continued to enforce the retail installment contract. 

As I read more of the rescission process, it does say to give notice to the " CREDITOR '' which in this case, according to the retail Installment contract, is XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX recieved my notice of rescission, along with Affidavit of right to rescind. It has been more than 20 buisness days, and I have not recieved a response. They will not answer my phone calls either. I have yet to recieve my {$10000.00} down payment, or any unwinding of any transaction. 

On XX/XX/XXXX, COAF sent me a letter informing me of attempting to collect a debt, and or repossess my property. I am terrified of losing the only source of travel to get back and forth to work and my fear is amplified, even though the contract has been rescinded. There is also no signature on any of these documents, wich is proof none of this is lawful. I feel threatened and at war right now with COAF and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Lastly, I contacted COAF to confirm the information of the letter, and the response was that the loan is under my name and is still owed by me, or XXXX XXXX returns the money to COAF. Unfortunately this all happened on the phone and no paper trail was made for that statement. An additional payment was made on the account in total fear of losing my personal property and I was threatened into doing so.
Product: Credit reporting or other personal consumer reports

I am writing in regards to a past account XXXX with VW Credit for a XXXX XXXX XXXX. I am requesting to have the late charge payments from XXXX to XX/XX/XXXX that shows up in my credit report, erased and for credit bureaus to be notified of this change after no due diligence from VW Credit to investigate the issue and correct it, in accordance to credit protection during COVID. 

The reason for this request is because at the time I was experiencing some severely difficult financial hardships as well as mental health issues, as explained to VW Credit at the time. I have evidence of letters sent to VW Credit and responses that led to no resolution. 

I managed to pay it off in full and continued making payments on time without any late payments after that. I asked to not be condemned and have my credit affected negatively during a difficult time. Before investigating my rights with a lawyer, VW DID NOT tell me that I could pay off the late balance to avoid repossession. They threatened to repossess the vehicle and charge off my account. I let them know I knew my rights and they let me pay off the late balance and full, restored my account in which I made no late payments until the remainder of my time with the vehicle. 

I would be greatly appreciative if you could help me with VW, who has been evasive in helping to remove late payments from XX/XX/XXXX to XX/XX/XXXX and report changes to credit bureaus. 

Please let me know if you have any questions. 

Best, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$410.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00}
Product: Mortgage

I applied for a loan with XXXX XXXX XXXX XXXX XXXX ( XXXX ) back in XX/XX/XXXX and the escrow closed in XX/XX/2022. The loan was for 36 months and had resets at the end of every 12 months. I am attaching a copy of the appoval and direct your attention to the extension section stating " Borrower may never be late on any mortgage payment, taxes or insurance to qualify to extend the loan another 12 months at the end of the XXXX and XXXX month. These is no cost of the extension. '' XXXX sold the loan to a company named XXXX who then assigned the loan to BSI for servcing. We never received a " Hello Letter '' from the new Lender and did not get a " Good Bye '' letter when XXXX sold our loan. 

We started a refinance process with another lender in XXXX and XX/XX/2023 to pay off this loan. We were in constant communication with BSI during this process, BSI wanted us to stick with them and offered us favorable terms vs the reset but honestly because of all the miscommunication with them over the last several months we didnt feel comfortable staying with them. They continually accepted our payments. 

The issue we have is that BSI never ever gave us notice that they were not going to extend and once a demand statement was provided BSI then charged " default interest '' at an exhorbitant rate. 

Attached is the approval letter, we followed it perfectly but now they hit us with default interest.
Product: Debt collection

Convergent Outsourcing sent an invoice to my employers accounting department requesting payment for a debt placed with their company. My employers information was not provided to this company, I have never received anything from them directly despite my personal address being listed with the company I allegedly owe the money to.
Product: Credit reporting or other personal consumer reports

Bureaus using computer credit system that unfairly lowers credit scores for credit card usage for XXXX consumers and/or showing extreme prejudice. On XX/XX/year>, I made XXXX purchases for {$290.00} and {$94.00} and paid off {$150.00} in credit card debt. My score was unjustifiably was lowered by XXXX XXXX by XXXX Credit Bureau any XXXXXXXX XXXX  by TransUnion according to XXXX XXXX. On random months, I make the same {$150.00} payment and my score is raised by XXXXXXXX XXXX. This month AGAIN I DECREASED my debt THE SAME AMOUNT ( {$150.00} ) then added the {$580.00} BUT my XXXX XXXX an unjustifiable XXXX XXXX. HOW IS THAT POSSIBLE?! The live agents continue to say scores are calculated by XXXX This is further proof there is a program set up to keep CERTAIN Consumers from having lower interest rates and from being offered certain advantages that will help them save money on every day purchases and living expenses! 

I've had perfect credit for a long time. I have a XXXX XXXX payment history. My scores in both credit bureaus have been XXXX  XXXX. The XXXX time I use my credit card for an estimated {$430.00} purchase, my XXXX XXXX XXXX XXXX XXXX!!! Something is DEFINITELY WRONG with this picture!!!! 

Also, I have XXXX accounts listed XXXX and XXXX times that has contributed to my debt ratio increasing moore than {$3000.00}. This is XXXX!!!!