23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

My mother is XXXX XXXX and she signed up for a loan not knowing the APR rate for the loan. I have called Big Picure Loans numerous times for weeks, they stated that they would send me an email to update and pay account off and never did. They also refused to help me pay off my mother 's loan in full. This company is extremely predatory and almost impossible to untangle with. I just want to pay the loan off and move on. They do not accept anything except direct bank deposits. After hearing very negative reviews, I am nervous to share any of my personal information. I do n't want this company to have access to anything of mine. The physical head quarters is located in the XXXX XXXX of MI which is extremely hard to get to to dispute in person.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigaton of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protectection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to adequately notify consumers of dispute outcomes these failuers align with my experiences, where Experian has niether corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian in action violates federal law and my rights as aconsumer.
Product: Checking or savings account

I am filling a complaint with CFPB regarding capital one failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting or other personal consumer reports

Ive been trying for months to remove this account off of my report. This account was not authorized by me. i have recently been informed of being a victim of identity theft. i have also been notified that by reporting these accounts, the companies are in violation of the fait credit reporting act. XXXX, XXXX and Experian are governed by the FCRA, an according to 15 USC 1681 b ( a ) ( 2 ) clearly states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. It isnt possible for me to give written consent on a account that wasnt open by me.

They are also violating the Gramm Leach Bliley Act. Which states that a consumer must be given the right to opt out of their information being reported. No lender ever gives that option. With that being said i demand that the following accounts be removed from my credit report. 

XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$5300.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> MOHELA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Clarification of Loan Reporting by XXXX XXXXXXXX XXXX and MOHELA Dear Resolution Department, I am writing to address an issue with the reporting of my student loan accounts, which I believe requires clarification. It appears that the same loan is being reported under two separate entitiesMissouri Higher Education and MOHELA ( XXXX  XXXX XXXX XXXX XXXX ). 

XXXX  XXXX XXXX and MOHELA are effectively the same organization, with MOHELA serving as the loan servicing entity. However, the current reporting reflects them as separate loans, inaccurately duplicating the account information. 
To resolve this matter, I kindly request the following : Confirmation of account details : Please confirm that the loan serviced by XXXX  XXXX XXXX, as reported by XXXX under account number ending in XXXX with an outstanding balance of {$120000.00}, and the loan serviced by MOHELA under account number ending in XXXX with the same outstanding balance of {$120000.00}, are indeed the same account. The current reporting makes it appear as though I have two separate student loans with a combined outstanding balance of {$250000.00} when, in fact, I only have one loan with a balance of {$120000.00}, serviced by MOHELA ( formerly known as Missouri Higher Education ). 

Correction of duplicate reporting : When Missouri Higher Education transitioned to MOHELA, the credit bureaus failed to delete the old account and are still reporting it under Missouri Higher Education. XXXX continues to report the incorrect information for the account ending in XXXX, which no longer exists. Instead, MOHELA replaced the account with a new account number. Despite my previous dispute communication to XXXX, this error has not been corrected. 

Update of credit records : I request that the duplicate reporting be corrected to reflect only one loan and that the relevant credit reporting agencies update their records to ensure accuracy. 

This discrepancy has caused significant confusion and negatively impacted my credit score and debt-to-income ratio, hindering my ability to apply for a home loan. I appreciate your prompt attention to this matter and look forward to a resolution. 

If you require additional information or documentation to verify my account, please do not hesitate to contact me at XXXX or via email at XXXX. 
Thank you for your time and assistance. 

Sincerely, XXXX XXXX, XXXX
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 alleged fraud or extortion. 

XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 EXPERIAN XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX  XX/XX/2022 XXXX XXXX XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$520.00}
Product: Mortgage

The Amortization Chart is not matching the Balance on my Mortgage statement. I called on XX/XX/2019 and tried to explain to M & T Bank that there was a problem and they said that they would look into it and call me back on XX/XX/2019. We called M & T Bank back on XX/XX/2019 and XXXX from M & T Bank said that the investigation was still open sorry that they didn't call. then XXXX told us to call back on XX/XX/2019. I received my loan payment for XX/XX/2019 and the Amortization was still off and it increased. On the loan payment for XX/XX/2019 there was a {$20.00} deferens in the Amortization and the Principal amount. Then when I got my XX/XX/2019 loan payment the deferens went up to {$20.00} it went up {$0.00} cent it keeps going up. I called back on XX/XX/2019 and XXXX from M & T Bank said that they have opened an new investigation and they have 15 days before they have to give us and answer on the first complaint back on XX/XX/2019 and they do not have to give us and answer until the 15 days are up. I am asking for help please this amount keeps going up and I can not get any answers from M & T Bank.
Product: Credit reporting or other personal consumer reports

TransUnion not showing my credit report and my score is holding from me
Product: Credit reporting or other personal consumer reports

Debt collector XXXX XXXX XXXX XXXX XXXX Original debtor XXXX XXXX Per review, the debt was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I disputed a charge off student loan through Experian. The loan is from Us department of education. I sent a second round letter to Experian asking for the documents they used to verify my account. On XX/XX/2019 the investigation came back verified. There was no documentation sent. My loan is for XXXX. I believe that they are in violation of my rights. I spoke with an Experian representative and was rudely told that they verified my account. I told them that I dont believe that they did a full investigation in 3 days. I also asked if the original document was sent over to verify the account, to which they kept telling me it was verified. From my understanding if I asked for the documents used to verify the account and dont receive it. It should be removed off of my account. How can they do a full investigation in 3 days? How can they not send the proper documents as asked for?
Product: Debt collection

Portfolio Recovery has sent me mail about debts that were part of a bankruptcy that got dissolved. I took their initial calls and stated that when I recognize I still owe the debt and to contact me by mail for any future collection efforts. For the last 6 months I receive multiple calls per day, 7days/week from various numbers. I am not able to answer them. I have gotten reports from family stating that they are now receiving multiple calls asking for all kinds of personal information, not just an address. Since requesting them to mail me anything I have not received one letter from them, just constant phone calls. I have an entire list of their numbers blocked in my phone. I am going to be sending a certified letter to cease communication.
Product: Student loan

My original student loan balances were {$38000.00} and {$34000.00} when the loans were consolidated and I began my $ XXXX  monthly payments on XX/XX/XXXX. I continued making the $ XXXX monthly payments as agreed until XX/XX/XXXX, when I filed a Chapter XXXX Plan. The loan servicer told me that I should not make any payments until the Chapter XXXX Plan was completed and discharged. That same advice was confirmed by my bankruptcy counsel. The Chapter XXXX Plan lasted 5 years, during which I repaid the majority of my unsecured debt and continued paying my mortgage and car payments outside the plan. Upon discharge of the Chapter XXXX Plan, Navient advised me that it had capitalized 5 years of unpaid interest, effectively doubling the amount of the unpaid principal balance. 

I am now XXXX years old, unemployed and receiving a {$2000.00} monthly social security benefit, supplemented by a small IRA fund. My wife is XXXX and also unemployed. Neither of us have been able to find employment in our respective fields. 

Navient is demanding payments of {$1100.00} for 120 months, which will result in a total repayment of over {$150000.00}. Navient purposely advised me to stop my payments during the Chapter XXXX Pan so that it could charge me nearly twice what I originally owed on my student loan. I have repeatedly requested a smaller repayment amount from Navient to no avail. My IRA will be depleted before my expected lifetime expires if I am forced to make the demanded repayment amount ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are failing to report me as an authorized user on the XXXX XXXX   partial account number XXXX. ( Please see page 2 of the attached credit report. ) I have contacted the ( 3 ) bureaus to add this to my credit report, however I have not been successful. Please add me as an authorized user on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had written dispute to the bureaus Equifax, XXXX  and XXXX  regarding several inaccurate accounts that does not belong to me. Those accounts are not authorized and done without permissible purpose. Up to date I have received no response nor proof that the alleged accounts belongs to me. These erroneous reporting badly hurt my credibility to obtain a fair credit. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information they are reporting.
Product: Debt collection

I received a call from a XXXX XXXX stating she was from a company based out of XXXX called XXXX XXXX. She gave me an account number of XXXX stating it was a checking account opened with u.s. bank on XX/XX/2007. She threatened to take me to court and have me arrested if I didn't pay thw amount owed on an overdraft in the amount of {$4300.00} XXXX called from phone number XXXX extension XXXX. I called U.S. Bank fraud department and they stated that I did not have any account with them based on my social security number which XXXX provided but I did not verify whether she was correct or not. They provided me with actual addresses of mine and places that I have worked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 

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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

On XX/XX/XXXX my Paypal Prepaid card stop being able to transfer funds from my paypal to my prepaid card, it just says it is unable to complete the transaction, And today XX/XX/XXXX it is still in that same mode and getting the same error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous 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 INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/21 ) I sent a letter seeking validation of a debt to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account # XXXX ) Its been ( 30 days ) and I havent received a response. Being that it has been well over ( 45 days ) I have sent a letter to XXXX, Transunion, and XXXX requesting that they immediately remove this from my credit report due to this debt, I am not aware of, not being verified. 
I have yet to hear a response from any one. Due to my own personal research I have notice that my rights as a consumer have been violated and I feel like I am being directly ignored and taken advantage of. According to consumer laws, if this account can not be verified, it must be removed by the credit reporting agencies. 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX Accounts I did not authorize that show closed but not XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX. XX/XX/XXXX
Product: Mortgage

I refinanced my mortgage with XXXX XXXX. My loan was then sold from the Mortgage Broker to BSI Financial. I have made an account on their website and attempted to make my mortgage payment. I didn't accept it on their site so I called customer service. I spoke with XXXX who told me we will take care of it. I gave him my information and he said it was all ok. Two days later, I receive a letter in the mail saying I now owe an additional XXXX dollars as it was past their 5 day grace period. ( this is on the XXXX ). I called back customer service, XXXX again answered. He told me this was a mistake and that it would be fixed and not to worry about it. It is now the XXXX, I have received an email stating my account is 17 days delinquent. This is unacceptable. I need to have a resolution with this as I have NEVER missed a mortgage payment in my life. It will not be accepted if any negative marks go against my loan or myself. I have notified the company I have documented my calls with XXXX and that this must be taken care of immediately.
Product: Debt collection

I hope this letter finds you well. I am writing to express my gratitude for your prompt attention to my previous inquiry regarding the late payments on my accounts. I am pleased to acknowledge that the late payment entries have been corrected, and I want to thank you for your diligence in resolving this matter. Your swift action in rectifying the reporting errors is greatly appreciated. I understand the importance of accurate credit reporting, and I am relieved that my credit history now reflects the correct information. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a customer service representative XXXX Once again, thank you for your prompt and effective resolution of this matter. I appreciate your professionalism and commitment to customer satisfaction.
Product: Credit reporting or other personal consumer reports

I am writing to you once again regarding the unresolved dispute concerning several erroneous credit collection accounts on my credit report. Despite my previous efforts to rectify this matter, the accounts listed under the following numbers : XXXX Account Number # XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX  Account Number : XXXX, and XXXX Account Number : XXXX that I was only a authorized user on should not be on my report XXXX XXXX account I was only an authorized user on should not be remain on my report, in direct violation of federal laws and regulations. 

I have previously referenced these disputes under # XXXX and # XXXX. As per the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681 section 602a, consumer reporting agencies are mandated to uphold their responsibilities with fairness, impartiality, and utmost regard for the consumers right to privacy. Moreover, 15 USC 6801 reaffirms Congresss policy that financial institutions must respect customer privacy, including the non-disclosure of nonpublic personal information to non-affiliated third parties, as stated in 15 USC 6802 ( b ) ( c ). 

Furthermore, 15 USC 1681A ( i ) stipulates that consumer reports must exclude reporting transactions without the explicit written consent of the relevant consumer. XXXX, XXXX, and Experian currently lack my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish this information. This withdrawal of consent is explicitly asserted. 

Moreover, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include adverse information in a consumer report without authorization. The re-reporting of these accounts without my permission constitutes an adverse item, thus contravening the Act. 

I am once again demanding the immediate removal of these erroneous accounts from my credit report. Failure to comply with this request will leave me no choice but to pursue legal action against XXXX, XXXX, and Experian for the violation of federal laws, including the FCRA and other relevant statutes. 

Additionally, if these accounts are not removed promptly, I will have no option but to file a report of identity theft against credit bureaus as the inclusion of nonpublic information that was never authorized for display constitutes a serious breach of privacy. 

I trust that you will take prompt and decisive action to rectify this matter and restore the accuracy of my credit report. I look forward to your swift response and resolution of this issue.
Product: Vehicle loan or lease

I layed off for covid, I tried to deal with them. Skip payment or divide payment. 
But they denied my request and they reported to my credit.