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

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately deleted. The inaccuracies are highly injurious to my credit score. 
Experian : XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. These were both ignored this needs to be removed from my credit report!
These accounts are Repeatedly reporting charge-offs every month!

Every time the account updates my statute of limitations is extended ; every update makes the account look newer than it is. REAGING THE ACCOUNT IS ILLEGAL! 

These accounts are not indicating when or if the account has been sold so that is a misrepresentation of the account status as well as not reflecting a XXXX XXXX balance after transferred, sold and paid. 

As well as once the charge-off goes past 180 days, the account is DONE!

You can not have on time payments! You can not add anything else to it. There should be nothing left on that account.

These accounts were charged off on the following date XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX, XXXX, XXXX for XXXX XXXX XXXX. 
Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of these accounts.
Product: Credit reporting or other personal consumer reports

I am showing in my consumer report/credit report with XXXX, XXXX and XXXX on the day of XX/XX/2023, a hard inquiry with NAVY FEDERAL CREDIT UNION was posted to my credit report. Referring to 15 U.S.C 1681 section 602 A. States I have the right to privacy. Also refer to 15 U.S.C 1681 Section 604 A Section 2 : I did not give written or verbal consent to publish to my credit report.
Product: Checking or savings account

I'm not liking the response that wells fargo is giving me to a scam that happened 2 months ago. I was lead to believe I was getting a loan and because apparently it was done through my account that means I gave the scammers permission to take money out my acct? I thought i was applying for a loan to get money not have it taken away. That's why I said I THOUGHT I was getting a loan. A loan is because I need money. Now scammers are smart and made it be me doing it so they get MY money Wells Fargo refuses to want to give me back MY money
Product: Debt collection

I sent a dispute to midland credit management on XX/XX/year> after receiving a letter from them of a final notice regarding an alleged debt that I owe and paying the alleged debt to avoid legal action against me .they also sent me a postcard which is unlawful. I responded back stating that I do not owe such alleged debt because I never done business with midland credit management or have a contract with them to owe such alleged debt, midland stating theyre going to take legal action against me is very unlawful due to the fact that it violates me as a consumer and because I do not owe such alleged debt. I stated in the dispute if I owe such alleged debt to send me the following documents that will prove that I owe such alleged debt to midland credit management, I sent this along with a affidavit of fact and cease and desist with conditions. Midland credit management received my letter on the XXXX of XXXX I sent it certified mail which proved to me they received it on XX/XX/year> and I also got back my green slip and XXXX XXXX signed the green slip which means they received my letter and I have yet gotten a response from them for the documents I requested to prove that I owe and its been more than 30 days .what they did do was add this account on my consumer reports which is also unlawful to do.
Product: Debt collection

Lost my job on XXXX from a previous injury. I tried to tell collector I would pay XXXX dollars a month but they wanted it all. Capital One has no sympathy for a person that owes.
Product: Credit reporting or other personal consumer reports

I SEE INFO THAT I WAS NOT AWARE OF
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX were # 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have disputed information several times and each time my credit report gets updated with meets FCRA requirements, consumer disagrees Its not a disagreement if it is illegal. 

15 U.S.C 1681-Congressional findings and statement of purpose a. ) Accuracy and farness of credit reporting -Congress makes the following findings : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

Privacy act of 1974 ( 5 U.S.C 522a ) safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices '' under 5 U.S.C 522a, anyone who knowingly and willingly requests or obtains any record concerning an individual from an agency under false pretense shall be guilty. 
failure to comply with any provision of this Section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual ; the individual XXXX bring a civil action against the agency and the district courts of the united states shall have jurisdiction in the matters under this provisions of this subsection. 

XXXX U.SC. XXXX with respect to disclosures of personal information a financial institution XXXX not, directly, or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information-unless a financial institution clearly and conspicuously discloses to the consumer in writing or via electronic form or other form permitted by the regulations prescribed under this subsection XXXX of this title. 

according to the IRS a charge off is considered a certificate of indebtedness, which means it is income it must be removed. 

The law also states it is illegal to report transaction history. All hard, soft and promotional inquiries must be removed. 

failure to delete the disputed will result in a report to FTC for identity theft and legal action
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Midland Credit Management Address : XXXX XXXX XXXX XXXX, IL XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX Ohio XXXX Dear Midland Credit Management XXXX 
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor. 
Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
Proof that the original creditor securitized the debt. 
Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

I receive calls constantly from this company with a recorded message claiming that complaints against me have been filed in their office. This is evidently an attempt to collect on a zombie debt because all of my current credit is up to date. 

Miller Stark Klein & Associates XXXX XXXX NC XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am Not liable for these accounts listed XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. Theses account are Fraudulent. 

FTC Report Attached.
Product: Student loan

1. I have not been provided regular statements. The only statement I have received since getting my loan ( 13 years ) is the on I have attached. 
2. I have not been provided a tax statement in in the last 5 years which meant I could not claim student loan interest on my taxes. 
3. I was told my loan was not eligible for loan forgiveness because I have the wrong kind of loan. I have worked in social services since my graduation. 
4. In reviewing the statement that I finally received I do not understand their process for interest being charged. Interest should be going down with each payment but is all over the place, almost doubling at times. It looks like I am being over charged on a regular basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX XXXX. It has come to my attention that Early Warning Systems has fraudulent information in their database attached to my social security number that is causing me financial harm. There are accounts from XXXX XXXX XXXXXXXX, XXXX XXXXk, XXXX XXXX, and XXXX that were fraudulently opened without my consent. These accounts are now showing on a database that Early Warning Systems maintains without ever having my written consent. This is a direct violation of the Gramm Leech Bliley Act which states a financial institution must have written consent from a consumer to use or report any personal non-public information. I have never entered into any agreements with Early Warning Systems nor was I given full disclosure or any opportunity to opt out of them using or sharing my personal non-public information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went into XXXX 's XXXX in XXXX XXXX Illinois. I understood that they would need to pull credit report to finance the car. Om XX/XX/XXXX I pulled a free credit report from XXXX that showed 6 hard hits, 3 being the date on which I purchased my car. On XX/XX/XXXX, I called Transunion regarding the 3 inquiries dated XX/XX/XXXX, from XXXX, XXXX, XXXX XXXX, I stated why is it showing 3 hard hits, it should be one because it was a car loan. They stated there is nothing they could do that I would have to call the individual inquirers to straighten it out. I call XXXX, who informed me it was the Car dealership to remove the inquires that they knew how to do it. I call them and spoke to someone in finance who informed me that of course my score would be lower I have a new loan. I informed him, I already went through the " dip '' of a new loan and this had to do with the inquires. He told me that XXXX would call me. I was unable to speak with XXXX on Friday XX/XX/XXXX when he called. I went to pull the report from XXXX XXXX to pull the report which sent me to you through an article that they had on file. I spoke with XXXX from your office on Monday. I am attaching the copy of the XXXX XXXX report. Any assistance will be greatly appreciated.
Product: Checking or savings account

Allowed my account to overdraft when there wasnt any money in it
Product: Money transfer, virtual currency, or money service

My robinhood account became restricted a couple years ago while I was selling and buying stocks, the original restriction was only supposed to last around 3-6 months. After the 6 months my account was still restricted and I could not withdraw my {$810.00} I had as buying power. I tried contacting the company by email asking when my restriction would end or why it was restricted and was answered with then saying they do not know. And when I was told that they could deactivate my account which would give me my money back the person I was emailing told me that they could not give me an answer as to when exactly my account would be deactivated and my money returned. But seeing as how that was over almost 2 years ago I feel like they're just trying to hold my money and keep it from me which is not right. They also said that my funds would be transferred back to my bank account in 3-5 business days. That was in XXXX
Product: Mortgage

In XXXX my mother was scammed into a Reverse Mortgage by her insurance agent working with XXXX XXXX XXXX XXXX, this was then turned over to Nationstar HECM Mortgage, My mother did not need a reverse mortgage. she was XXXX XXXX and her house was fully paid for ... My mother had enough other income. After about a few years into the mortgage they started calling my mother for no reason. She became very upset. My mother had health problems and the chimney backed up with smoke/ My mother file with the house insurance company and hired contractors to fix the damages to the house. Nationstar, and somehow now we have Champion Mortgage playing tag team. mother was always in tears and crying. The insurance company would send the checks in mothers name and the insurance company name, Well, now this end up being Champion Mortgage, At this point. Champion Mortgage would hold the checks for a very long time, even months so that my mother would not have the money to pay the contractors with the insurance money ... The contractors would Stop work! Then in XXXX Nationstar jumps in and starts a foreclosure stating house repairs not done! - My poor mother, However, their Mortgage Servicer Champion was holding on to the money, keeping the work stalled! and when My mother called them she would get transfer to different people all the time. She would say I need you to send the checks back so I can pay the contractors. They would humor her and say we will call you back! that call never call regarding getting the check she sent to them for their signature to repair. by this time my mother was in and out of the hospital. she had no representation at the time of the Reverse Mortgage and didn't understand they could take our family home this way. My mother 's house was stolen for $ XXXX now they want over $ XXXX these people XXXX  my mother up until she died on XX/XX/XXXX she had a foreclosure Court date the day so after she died. My mother last words don't let them take the house. This was the biggest Scam on a elderly women, in a XXXX XXXX at XXXX years old. This house belongs to me not Nationstar, My mother died at XXXX
Product: Credit card

This is my second complaint about the XXXX dollars on my cc statement it was supposed to only be XXXX but I got ripped off I am looking to get reimbursed the XXXX not the XXXX I have been explaining this with 3 different letters now on what happened in XXXX they wrote a letter telling me they can't help me and today I received a letter that they will credit this card XXXX omg what's so hard to understand? It was supposed to be XXXX but vendor changed that amount to XXXX it's fraudelent and a rip off but cc company doesn't get it!
Product: Credit card or prepaid card

Opened American Express XXXX XXXX card in late 2019. Promised XXXX XXXX XXXX points if I charged {$4000.00} to card in 3 months. I complied with spend requirements on XX/XX/2019 and paid all bills promptly. 

American Express is now denying me the promised points. Company claims they provided a " pop up '' saying I might not be eligible for the points. I received no such notice and would not have paid an annual fee of {$450.00} for this card if I had not been eligible for the points. 

My research shows that many others have been treated the same way by American Express. 

This is clearly an unfair and deceptive business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have had to replace my credit card several times. The last time was because someone placed a LARGE amount of money on the card. It was taken care of and XXXX XXXX  issued me a new XXXX XXXX XXXX XXXX. 

I STRESS BEFORE I even RECEIVED the card in the mail I received an email from XXXX XXXX and it said I needed to Update my credit card and it gave me the last four digits of my NEW credit card. 

I contacted XXXX asked how they received the card number and I think they said it was given to them. I then contacted XXXX XXXX and they told that if I have a subscription the Credit card reporting companies automatically GIVE OUT the card number to those places. 

I feel I SHOULD BE THE ONLY ONE TO GIVE OUT MY NUMBER. Please STOP THIS Practice. this most likely how my card has been getting into the wrong hands. 

They also pull the credit card reports by ADDRESS and not by NAME and ADDRESS. As in My mom would get a credit report and it would have MY cards, my brothers cards my sisters card and my fathers. We would all have to say which was ours then have them remove them, At first they also used the FULL NUMBER on the credit card. NOW they always say never give out your credit card info to people you do not know. When I filed that complaint they woke up only a LITTLE they kept all the cards on the report but now they only have the last 4 digits. 

LOOK into that also to make sure they refine how the credit card report is pulled so only my moms cards are on her report. 

Look into all the credit reporting companies I do not know who handed out my info. 

I have a bigger second complaint with XXXX XXXX. I will write you on that separately. 

I did talk to a person from this site on the phone and told them what was going on they instructed me to files the complaints.
Product: Student loan

Navient intentionally obfuscates the " email us '' option on their website. When you click " email us '' you are brought to another page with a written list of instructions on how to get to the email form rather than a direct link ( a tactic to reduce the number of emails received ). 
Navient does not offer webchat or email assistance ( although as one of the most dominant loan services in the country, they are more than capable of doing this securely as other financial institutions do ). They direct every inquiry to their toll-free number regardless of how it was received. They do not allow customers to record conversations and thereby ban us from having any proof of what was communicated. 
I felt deceived and bullied into making hasty decisions, and last year, I refused to have ethereal telephone communications about the financial options and the unaffordable rates and fees on my account. Because of the intentional limits of communication options available, I have been forced to go into default on the private student loans, which are on my account. 
I believe that all of this deception, limitation of communication options, and obfuscation of information is unethical and preys on the most vulnerable students. 
I have reached out to Navient via the " email us '' option on their site several times over the past year and have only received a message asking for a phone call each time. Because I will not call, I can not collect information about making alternative payment arrangements. 
These deceptive practices need to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB regarding the inclusion of XXXX in the Public Records section of my Trans Union report. In response to that dispute, Trans Union now has two XXXX accounts that have been reported as included in bankruptcy on my credit report. At the very least these are duplicate accounts and at most they are outright false accounts. I spoke to XXXX and they indicated that they have done an investigation, but I have to wait 30 days to get the results. I asked when the letter was sent out and they said it had not been sent out yet, but that the investigation was complete on XX/XX/2020. The new entries on my credit report, which caused my score to drop XXXX points, are dated XX/XX/2020. I have until the XXXX of XXXX to appeal a decision to fund my business and this is going to drag on past that date, which means I will be denied the funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Product: Mortgage

In XX/XX/XXXX and again in XX/XX/XXXX, XXXX, my mortgage lender, failed to properly pay my homeowners insurance premium. Despite my mortgage being escrowed for insurance payments, XXXX either did not send the check to my insurance company or mailed it incorrectly, resulting in non-payment. This error has repeatedly placed my insurance coverage at risk. 

Both times, I was only informed of the non-payment by my insurance provider, who notified me that my policy would lapse in a few days. At no point did XXXX communicate any issues with the payment, leaving me unaware of the situation and scrambling to resolve it. 

When attempting to address this issue with XXXX, I found that they do not resolve these types of problems via email or chat, limiting communication to phone calls. However, their call center has unreasonably long wait timesoften exceeding an hourwhich has made it extremely difficult to address this time-sensitive matter. 

This negligence on the part of XXXX appears to be a deliberate attempt to either force me into purchasing insurance through them at a higher cost or to push me towards foreclosure due to lack of insurance coverage.