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

I have called Experian multiple times using all the phone numbers listed under their site. I need to determine why no companies or lenders are able to pull my credit. This has become a huge problem, and has caused me to be denied credit. I can never receive a live person when calling and or emailing. Their phone numbers loop around to the same automated questions, they say they can't verify me online. This is ridiculous.
Product: Consumer Loan

I purchased furniture at XXXX XXXX of XXXX, The terms of the agreement were 12 months same as cash. My finance agreement is through TOWER LOAN and is calculated differently. The interest has been added to the purchase before the finance agreement of 12 months with no interest has expired. This company also does not send out statements for the monthly payment due. I asked them about the statement and was told we do n't send statements- they only send out late reminders. Date of XXXX XXXX XXXX, 2016, I reported this to the furniture company XXXX XXXX, 2016 and I am now reporting this to you. This is unfair lending practices and needs to be investigated and prosecuted for taking advantage of the undeserved XXXX. TOWER LOAN is charging interest in advance and this is against the law.
Product: Payday loan, title loan, or personal loan

Place me in collections for an original debt of {$180.00} but debt was a Payday loan of {$500.00} or less the {$180.00} is was is left of the original debt. I tried to make payment arrangements but the Collections Agent refused to do so and wanted the entire amount over the phone, right then and there with the promise to remove the debt from my credit report if I did so. What makes it so bad is that the debt was placed on all 3 of my credit on XX/XX/19, I called back the same day to see what the debt was about. It is my assumption that this violates the FDCPA by using fear tactics and intimidation to collect a debt. Also, it says that the account is still an OPEN account.

I " THINK '' I got this pay day loan about 6 or 7 years ago. I am not too sure if they are even the original creditor or not, that was never told o me over the phone. Secondly, I never got ANY notices in the via U.S. explaining about it to my current or past addresses. According to the Collections Agent, he said I paid most of the debt off and ONLY owed the remaining {$180.00} but {$180.00} is NOT the original debt as it states on my credit reports.
Product: Student loan

I have a balance at my previous school which is XXXX XXXX XXXX XXXX XXXX -XXXX XXXX ( which is already closed ) so they forward my remaining balance at this company ( William & Fudge ) since then, I have been paying my balance and I am almost done paying everything off. I believe my balance before this problem with them started was around $ 950.which I usually pay it online. However, that time they change the payment and started charging debit cards use so I called them ( XX/XX/2019 ) and see how can I way without paying extra. A representative named XXXX XXXX spoke to me and I thought she can help me with my problem. She told me that theres no way I can pay my balance without paying the transaction fee from the card unless I use check. Which needs to have routing number and account number but it will take 10 business days to clear it up. Since I forgot that they never charge for late fee I told her that okay for now Ill pay with my debit and pay that transaction fee but after she ran my card without confirming that she will run it. Thats where I remember that I dont get charge for late fees. So I told her I change my mind but since she processed the payment already let it go. Then I told her that I will go online instead to do the automatic payment. She told me it will not work and I have to do the process with her and she keep insisting to call me the following month. Even though I told her no but she still keep Insisting and I end up telling okay whatever. That same day I fill up online to do the automatic payment and it went through. I was expecting she will call me a month after as what she told me.but instead, she called me the beginning of the month of XXXX and keeps on calling me Leaving me a message. Some of them has an actually message and some has nothing or she will be singing and leave a message and continue singing/humming. One day, I accidentally answered her call and call me out as if I am not going to pay them ( which I already did ) shes already giving me an attitude and harassing me so I told her that I am not going to talk to her and I want to speak to her supervisor. After the back and fort argument she finally give it to her supervisor name XXXX XXXX ( I  think ) and he was trying to resolve the problem with me and found out that I did made the payment already so tried offering me some discount with the balance and try to make the payment split in 2 payment. However, I told him that I cant afford to make just 2 sets of payments but I am still willing to pay the monthly with the same amount or a little but more. As long as no one will contact or harass me especially That XXXX XXXX and he told that he will talk to her. Then then today, I received an email from her. Telling me that she will send a negative in my credit report if I dont pay my balance which I have been paying as what I told her supervisor. Now, I have been trying to call them and since I am in different place right now I am having a hard time calling them. I just want to make that she will not harass anyone anymore and threatened them about their credit report.
Product: Debt collection

I informed and moved out of the apartment of the merchant in question, XXXX XXXX XXXX XXXX XXXX, FL, on XXXX, XXXX, that I had to break my lease because my contract with my employer ended on XXXX XXXX, XXXX. The manager stated that she would drop the early termination fee and that I would only owe the 60 days notice and other fees in relation to moving out.

1. The first invoice had all the fees including the early termination fee.

2. The second invoice had the corrected amount.

3. The third attachment illustrated that I paid XXXX XXXX in full. 

I have informed National Credit Systems every time they called in the final quarter of XXXX that I have paid XXXX XXXX in full and yet they persist in attempting to collect a non-existent debt. Finally, the last time they called in XXXX, I told them to quit calling me as they refuse to correct their records. 

Then National Credit Systems falsely accused me of being a deadbeat to the three credit bureaus. I was able to clear the matter with XXXX on XX/XX/XXXX ; but not with the other two.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the collection account listed on my credit report by your agency. The accounts in question adversely affected my credit score. This information is reporting as inaccurate. My rights have been violated my rights according to the law by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide written validation of debts upon request. Additionally, the Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions obtain written consent before disclosing personal information to third parties. My Rights have been violated under both of these acts. 
I hereby request that you provide written validation of the debt and proof of my authorization for the collection of this debt and the disclosure of my information to third parties. If you are unable to provide this documentation, I insist that the collection account be removed from my credit report immediately. 
By the Fair Credit Reporting act and the Gramm-Leach-Bliley Act ( GLBA ) I exercise my right to opt out of having this information reported on my credit report and would like to remove it. 
My rights have been violated my rights according to the law by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not know who this debt collector is, I believe this information was bought without my written consent Violating the law under FDCPA 15 USC 1692 and FDCPA 15 USC Code 1601 where it pertains to charge-off accounts.

The Fair Debt Collection Practices Act ( FDCPA ) grants the right to request written validation of debts from debt collectors, ensuring transparency in debt collection practices. The Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to obtain your written consent before sharing personal information with third parties, safeguarding privacy.

Here are the laws for reference 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.

Under 15 US Code 1692g ( a ) - Validation of Debt - This information was to be provided within 5 days after the initial communication of the collection and this information has not been provided to me.

FDCPA 15 USC Code 1601 where it pertains to charge-off accounts.

In addition, the law of Reinsertion was violated under 15 USC 1681i 5 ( B ) ( ii ) The specific section of the GLBA that pertains to the protection of consumer information and the requirement for written consent for sharing information with third parties can be found in Title V of the Act, known as the Privacy provisions. 
According to the GLBA I choose to opt out of having this information shown on my credit report. 
I expect full compliance with the FDCPA and GLBA laws in this matter. 
Thank you for your prompt attention to this request. 
Thank you greatly for your consideration in this matter. 
Sincerely appreciate the understanding. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Delete hard inquiries off my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX XXXX, XXXX Citibank, Best Buy - XX/XX/XXXX Citibank, Best Buy - XX/XX/XXXX Citibank, Best Buy - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Citibank, Best Buy XXXX XX/XX/XXXX Citibank, Best Buy XXXX XX/XX/XXXX Citibank, Best Buy XXXX XX/XX/XXXX Citibank, Best Buy XXXX XX/XX/XXXX Citibank, Best Buy XXXX XX/XX/XXXX The hard inquiries above are the ones I am requesting to be removed. Both Citibank and XXXX XXXX failed to include a warning or a consent statement in the webpage where you request to have your credit limit increased. I have called them to verify this information and they did. I wasnt made aware of the consequence of the naive credit limit requests which in most cases do not yield hard inquiries. I find out later that they did, without my consent. Therefore, I would like to have them removed. I have spoken to the lenders and they have filed reports about them but did not remove the hard inquiries. As such, I am here writing this report hoping for a resolution. I do not want to suffer because of unfairness. Thank you very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my XXXX  report and found the inquiry below which was not authorized by me : XXXX XXXX on behalf of XXXX XXXX DATE : XX/XX/2015
Product: Checking or savings account

I am writing to express my deep frustration and dissatisfaction with the handling of a fraudulent {$990.00} transaction that was drafted from my account on XX/XX/year>, under the name of " XXXX. '' Upon noticing this unauthorized charge, I immediately reviewed my XXXX account and found no record of such a transaction. Concerned, I promptly contacted Navy Federal Credit Union to report the issue. 

After filing my claim, Navy Federal took the necessary step of issuing me a new debit card, yet my claim was ultimately denied. When I followed up with XXXX directly, they confirmed that there is no trace of this charge in my transaction history, meaning it did not originate from my XXXX account. Despite this, Navy Federal refuses to acknowledge the fraudulent nature of the transaction and has failed to refund the {$990.00} to my account. 

As an active-duty military family, those funds are essential to our household, which supports XXXX people. The refusal to refund this amount not only places undue financial stress on us but also reflects poorly on the integrity of Navy Federal 's commitment to protecting its members from fraudulent activities. We have entrusted our financial security to your institution, and the lack of support in this matter is deeply disappointing. 

I request that you immediately investigate this claim. We can not afford further delays in resolving this issue. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I requested a {$120.00} check be issued and mailed for receipt on XX/XX/2023 to a known individual via USBank 's bill pay system. The check was issued and cleared my account on XX/XX/2023, however, it cleared for {$1100.00}. I viewed the digital copy of the check via the bank 's mobile application. The payee on the check did not match the payee I requested and the amount was not the amount I requested. The check was endorsed but no other banking marks are visible. It appears to have been deposited via a mobile application. On XX/XX/2023, I visited my USBank branch. I worked with a teller who contacted the bill payment fraud department. I was told I would have to complete a paper Affidavit of Unauthorized Paper Debit form and return it to the bank and that the form had to be mailed, not emailed. I asked for a provisional credit of the {$1100.00} as I did not issue the check, USBank did. The bank informed me that I had to wait 10 days for a provisional credit. I received the affidavit letter ( dated XX/XX/2023 and postmarked XX/XX/2023 ) on XX/XX/2023. I completed the document and returned to the bank on XX/XX/2023 so they could fax it to the fraud department. I again inquired about the provisional credit and was told the branch XXXX would contact me when he returned. I never received a call so I called the fraud department directly on XX/XX/2023. They told me I was not entitled to a provisional credit as this was a check fraud issue and I would have to wait until they completed their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following accounts : XXXX. ) XXXX XXXX XXXXAccount Number:XXXX ; XXXX. ) XXXXXXXX XXXX/Account Number : XXXX
Product: Checking or savings account

So I ended up getting terminated for my job and I took out some fun from my 401K, We had went to multiple banks and being that this bank was about to close and I'll last resort we went there and they told us that we could deposit the money into third party account because I couldn't deposit into my account because I had a pass due balance. I want to say 3 days after we de positive to a third party account which was at the time my Partners account like I said they told me that I couldn't put in my account because I had to pay the balance first and I was broke I didn't have any money and they told us that we could, aspect the cash into her account about XXXX XXXX XXXXt. About 3 days after they retricted her own funds into her account prior to the funds i deposited from the 401k check, and then without telling her they closed her account which wasnt fair at all. They told us my number was working and able to get verified but at the time my phone was off and needed to be paid. So we paid it maybe a day later and then they told us that my number was in the system anymore and wasnt able to get verified, we called everyday and spent hours at the branch in hopes it was get fixed. We showed proof of the check, they verified the funds with the bank who issued it, we both sent ID 's, Proof we live together, and we both signed the check, We both also have numerous phone calls where my voice and hers can be heard stating all of this over and over again. and this whole mess is causing me to lose my home, my car, and alot of mental stress. I hope you guys can call and have this issue resolved shortly soon, because i dont know what to do anymore, other than be homeless and wait 2 years for the funds to go back to the bank that issued it and then for me to then have it shipped out later again.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX Experian XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

Contrary to the records held by Wells Fargo Auto, I, natural person XXXX XXXX XXXX, am the original creditor for the transaction involving the XXXX XXXX XXXX on XX/XX/XXXX. Wells Fargo Auto received the authority to be a creditor through the extension of my open end consumer credit plan via my credit card. As the card issuer, I issued my credit card to Wells Fargo, where this organization became the cardholder, for the purpose of obtaining property. As the original creditor, the vehicle has already been paid in full by I, XXXX XXXX XXXX, via the finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following : XXXXXXXX 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
Product: Credit card or prepaid card

I've been attempting to get CareCredit to correct their errors in charging me interest on promotional purchases I paid off prior to expiration date plus it looks to be that I'm given 12 months or 24 months for the promotional purchase and at 6 months suddenly CareCredit interest charges hit my account? 
They will not send me my past statements from the year ( s ) prior and when following their online process to request older statements, their system logs me out of my account each time. 
I've been able to find some older statements to prove the inaccurate charges but without ALL my statements showing payments/transactions I am unable to calculate exactly how much in inaccurate interest charges are on my balance.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, XXXX dropped my credit score by 21 % on reporting from American Express on an account balance paid in full and ahead of the scheduled due date. I had attained and maintained a perfect XXXX score. 

Since XXXX, I have held an American Express ( Amex ) Platinum Card. The balance is paid in full and ahead of the due date every month. The card has no spending limit. 

On XXXX XXXX, XXXX ( Amex Customer Service ) confirmed I never had an outstanding or overdue balance. I was then transferred to XXXX ( Amex Special Credit Team ), who told me I needed to pay my balance ahead of the due date to avoid reporting to the credit agency. When I questioned her statement, I was told to contact Amex Customer Service. After re-explaining to XXXX that customer service transferred me to the special credit team, I requested she initiate and stay online for a three-way call. 

The call was connected to XXXX. She stated that the special credit team handles any credit reporting issues. XXXX told XXXX to tell me when to pay my bill to avoid credit reporting. XXXX responded that it should be before the due date. This went on until I was directed to contact the credit reporting bureau as it was " their '' fault.
Product: Mortgage

I applied for the Forbearence due to covid 19. According to that I did not need to make a payment within three months. I have been making partial payments and they are putting it in a holding account until an entire payment is there and then apply it. At least thats what they said. I have the paperwork showing that I was approved. I have emails showing I was approved. Today, I got a threatening for closure letter. I dont know what is going on with his mortgage company but they are being absolutely horrible during this entire thing. They were great until this now not so much.