23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notification from XXXX on XX/XX/XXXX1 that a derogatory account had been reported by Amsher Collection Services which negatively impacted my credit history. 

Amsher Collection Services reported multiple derogatory accounts and did not send written notification. This action violates the Fair Credit Reporting Act [ 15 U.S.C. 1681 ] and the Federal Validation Notice [ 15 U.S. Code 1692 ]. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. 

Therefore I have submitted this complaint for investigation.
Product: Credit reporting or other personal consumer reports

Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated Payment History XXXX XXXX XXXX Business Co-signer XX/XX/XXXX Account charged off. {$30000.00} written off. {$2800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$30000.00} XX/XX/XXXX - - {$35000.00} - 72 Months XX/XX/XXXX Experian is furnishing inaccurate data and it is Pertaining to an account involved in litigation this specific account is being reported as a charged off account that also showing a past due balance which is updated every month
Product: Credit card or prepaid card

I spoke to a representative yesterday that says both of my accounts were put a program for covid 19, and this one is not showing in the program. Your wait times to speak to someone are ridiculous. I need another paymeng waiver because I am still affected by covid 19. I want to make sure both my XXXX card and my thank you preferred card have been enrolled in a new program.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed the account XX/XX/2020 and had a settlement of {$1500.00} Company left it at Payment after charge off/collection Settled - less than full balance When trying to to purchase a new vehicle, I keep getting declined
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts/creditors below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 . 

XXXX XXXX XXXX XXXX, USAA Federal Savings Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX have all 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: Mortgage

I went under a forbearance in XXXX  for having a hard time making ends meet in the wake of covid. My mortgage told me this would be the best way to go to help get me back on track and that the amount skipped would be added to the end of my loan the term was three months. At the end of that three months I was still struggling so I requested three more month extension with no issues. At the end of that I was ready to restart my payments I have called in to tell them so. since then which has been a year and a half now my payments are still not restarted I call in all the time with each time being told something different i have to do its never the same thing. I have received modification papers called and ask about them they told me o was under partial claim they was the wrong papers to get rid of the modification papers so I did and I waited a mo XXXX called back to see what was going on was then told I was to wait on modification papers the same papers o that was wrong so I did and then the forbearance had to be extended again. I received modification papers got them noterized right away and sent back still couldnt make a payment called back in was told the papers were under review call back on a couple weeks a couple weeks still cant make a payment call back not in forbearance anymore not under modification the modification papers did not cover the entire time so they were wrong and I had to request an extension of a forbearance again and start the process over so I did and now here o am still cant make payments still not getting any answer that makes sense I het told its under review and the modification is being set up so I have reached out to XXXX XXXX XXXX  thay is now helping me they were able to get a hold of them yesterday and told my partial claim was being set up which just a week before I was told that wasnt an option for me at this point it was just a modification but either one is fine with me I just want to het my house payments started back up and get it back in the right direction so as of now Im waiting 6 days for partial claim papers and in seven days I will see what happens Ive been through this wait on and off for the last six months with no success yet just hoping its taken care of this timer not to mention when I call in the XXXX he recordings about my loan says my Appeal has been reviewed and approved whatever that is and no representative has an explanation for that.in a short version a three month break to make my life easier had turned on to a year and a half of stress, worry and a lot of confusion it has also strained my relationship with my mother whom os a co-signer for me who she said it effected her credit and doesn't agree with me taking the three month break and now look at where it has me on my home my roof over my head. So in fact with how it has gone for me the forbearance has caused more stress and hardship then help.
Product: Credit reporting or other personal consumer reports

I checked my credit report recently and noticed several billing discrepancies. The late payments do not reflect my regular payment pattern.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX, has violated my right.

15USC 1681 section 602 states I have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 166B : a creditor may not treat a payment in credit card account under an open in consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my credit file almost every month this year because of the inaccuracies showing. But yet the refusal to delete these inaccuracies are show because of the violations i saw on my report. 15usc.sec1681i,1681i ( a ) ( 1 ) ( B ) ,1681 ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 1 ) ( C ), fcra 611 ( a ) ( 7 ) ; 616 ; 617 ; 15USC1681 Sec602 ( A ) ; 15USC1681Sec604ASec2. 

XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. ALL DEPT OF ED XXXX XXXX. {$3500.00}, XXXX, XXXX, XXXX, XXXX, {$350.00}, {$560.00}
Product: Prepaid card

A transaction accured on my card i didnt make or authorize and so they said they were outting my caerd on hold why couldnt they just transfor money to a different card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested documentation From Santander verifying that this loan is mine they Refused to Provide Contract sighed by me for this loan. As the information reported is not Accurate
Product: Student loan

I had a student loan with AES and had paid on it for right at XXXX years. My loans should have been a part of a foregiveness program that the company ignored and I knew nothing about. I refinanced my loans because the balance was not going down, which appears I paid {$80000.00} in interest on and still owed the same balance from the beginning, and I went private because it seemed the only way I would ever pay these off. I did pay down more principle in XXXX years than I did in XXXX  years. Now that these companies realize the mistake they made, there is no help for me because I refinanced. This does not seem fair to me. 
I should have received this benefit and the only reason I am not is because I realized something was not right and refinanced. 

Disbursement XXXX Loan Program : XXXX Owner XXXX XXXXXXXX XXXX XXXXXXXX XXXX PHEAA XXXX XXXX XXXX XXXX Original Balance XXXX {$33000.00} Last Payment on this Loan : Date Payment Principal Interest Late Fee XX/XX/year> {$35000.00} {$35000.00} {$110.00} {$0.00} Disbursement XXXX Loan Program : XXXX XXXX XXXX XXXX XXXX  Guarantor : PHEAA XXXX XXXX XXXX XXXX XXXX XXXX : {$28000.00} Last XXXX on this Loan : Date Payment Principal Interest Late Fee XX/XX/year> {$30000.00} {$30000.00} {$100.00} {$0.00} As you can see the balance on the loans at the end was higher than the original amount disbursed after paying the loans for XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was contacted about unauthorized inquiries. The representative told me that they could not be removed unless the creditor gives a letter. I informed the representative that these companies have been contacted and they do not have any information with my name and can not provide me with a letter. The customer service representative stated that these inquiries will remain on my report. I really need someone to investigate this matter. I did not authorize these inquiries. 

XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX    XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I paid 6 months of payments. ( XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ) I paid them online using their website. My payment is {$1700.00} and I always pay an even {$2000.00}, which includes additional principal of {$240.00}. However, the bank has decided to use my XXXX payment strictly as a principal payment and my payment for XXXX is still due. I don't want that and I never asked for that or filled out any papers requesting that. I made 6 {$2000.00} payments, all to be used as my actual payment. I have called twice already. The first time I called was XX/XX/XXXX. I even received 2 letters from them and the second one says they corrected the situation. I waited until the XXXX to call back. I spoke to XXXX XXXX, XXXX. She said she would correct the problem and give it up to XXXX hours. It is now the XXXX and the bank still shows my XXXX payment as a principal payment. Mr Cooper Mortgage XXXX
Product: Debt collection

USA Service Finance, LLC engaged in predatory and deceptive practices during the time at which I was allegedly one of their customers. USA Service Finance, LLC is attempting to collect an alleged debt outside of the terms of the alleged agreement, as it pertains to interest rate, and has been unable to furnish this alleged agreement between myself and their subpar organization. USA Service Finance , LLC is also in violation of regulation V, which implements the Fair Credit Reporting Act, because it never established, reviewed, or updated any written policies or procedures regarding the accuracy and integrity of the consumer information it furnished to consumer reporting agencies. USA Service Finance , LLC, has also attempted to re-age the alleged debt by superseding the alleged originating date of delinquency by reporting a closed date of a mere three years ago. Lastly, USA Service Finance , LLC has failed to provide me written notice of my right to dispute.
Product: Payday loan, title loan, or personal loan

In XXXX I got a loan from XXXX XXXX. In XXXX I file Bankruptcy chapter XXXX. This loan was included in my case. After the discharge I was still paying on this loan. The loan was only for XXXX dollars and the payment were dollars then it went to XXXX. I have been paying on this loan for the last XXXX  years and the balance never change. I have never miss a payment. I look at the bill and found out that IM not getting any credit for my payments .The loan has been sold to Sping leaf and now its call one main, I need help .If I have calculated the payment right I have paid them almost XXXX over the course of 13 years I don't understand what going on.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting.

XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX & XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I sent in a dispute letter on XX/XX/2022 in regards to the account XXXX XXXX XXXX  # XXXX being reported by Experian. I did not receive any type of correspondence which validated the account. I do not owe this debt not to mention I never authorized anyone to use my information to obtain this alleged debt.
Product: Credit reporting or other personal consumer reports

Account : XXXX I have spoke with credit acceptance many times to remove their negative and fraudulent claims against me but they have denied my rights as a consumer, property owner, and equitable title owner. 

I ask them to produce each of these items - The original active lien on my vehicle from XX/XX/2023 to XX/XX/2023. 
- The original wet ink promissory note to verify that who endorsed it and if this company is the note holder. 
- My original copy of the 1099-C - Signatures of the original creditor, borrower, and notary Also this account is in collections which means that the business wrote the debt off on a 1099-C which is classified as income by the IRS. 
15 U.S. Code 1681a ( 2 ) ( a ) ( i ) supports the previous sentence and states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person making the report.

7 CFR 1782.3 - Definitions : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
- ( 2 ) Duty to correct and update information - A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, - shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

To conclude, In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  was opened due to fraud and shall delete from my credit report. 
I request to see the account ownership and proof that show how this account was opened. 
send me the wet signatue and account ownership because of fraud.
Product: Credit reporting or other personal consumer reports

inaccurate and false accounts address jobs names collections and unauthorizes inquiries on my credit report. for Transunion and XXXX. i also pay XXXX to avoid these errors and they refuse to remove it including information that was already removed has reappeared. 

XXXX XXXX ( XXXX and Transunion ) XXXX ( unauthorized loan account previously disputed and removed reappeared on credit ) XXXX ( unauthorized loan account previously disputed and removed reappeared on credit ) XXXX ( unauthorized credit card previously disputed and removed reappeared closed but reporting balance updates monthly as late payments ) Inquires every month from XXXX ( Transunion only ) XXXX XXXX ( Transunion only ) XXXX ( fraudulent collection account disputed for over a year ) XXXX XXXX  ( XXXX and Transunion ) XXXX ( unauthorized credit card previously disputed and removed reappeared closed but reporting balance updates monthly as late payments )
Product: Student loan

I have requested and documented my efforts on numerous occasions the accuracy of my account with Navient, due to the outstanding high balance. So far, I have not received sufficient contractual signed agreements for all the student loans I am being held responsible for & I do not believe I am responsible nor agreed to the amount Navient is stating I owe. Navient has not been able to provide me signed documents showing I agreed to the loan amounts they are holding me responsible for. Instead Navient provided a couple promissory notes some in which are incomplete & do not match the balance I am being held responsible for. After many failed attempts to be gather this information I am hoping the CFPB can assist. I am once again requesting Navient to provide the exact copies of my signed agreement for each student loan I am held responsible & how my balance was figured.
Product: Debt collection

XXXX XXXX with Recovery Partners out of XXXX XXXX the number he calls from is XXXX. Calls to speak about suspending my parents, XXXX XXXX & XXXX XXXX, XXXX Drivers License. When I tell him I am their daughter and to submit a letter to prove and validate the debt, XXXX XXXX gets arguementative and after 5 days calls again to harass my home. XXXX XXXX will not give out an address so my parents can request harassing calls to stop in writing.
Product: Checking or savings account

My minor  child ( XXXX yo ) was given access to XXXX through his minor checking checking account which I am a joint holder on. He ended up being scammed and sent {$350.00} via XXXX to a XXXX XXXX  He made me aware immediately ( while the transaction was still pending ) and Wells Fargo refused to stop the transaction and return his money. When I asked them why a minor child would have access to send money they blamed myself and my child for sending the money in the first place and blamed me for allowing him to have an online account to check his balances. Disgusting responses. I have contested the denial but they keep denying the return of his money.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have occurred. Despite having sufficient founds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settle with insufficient balances despite initially available funds. I request an investigation into my account transactions.
Product: Credit card or prepaid card

In XX/XX/XXXX I received an offer from MasterCard that seemed to offer me a cash loan with no interest if paid back before XX/XX/XXXX. 
I took this offer up to my local Bank of America office in XXXX ( XXXX XXXX XXXX XXXX ) to see if they understood the offer the same as I did. I spoke to a girl named XXXX : After reading the letter/offer she stated that YES it was an offer with no interest if paid before XX/XX/XXXX and there was no fees and that I could write the blank check they sent me for {$10000.00} and I as long as I paid it back before XX/XX/XXXX there would be interest charged. 

I did this on XX/XX/XXXXand deposited it into my personal checking account. 

Problem : I received my bill from MasterCard on XX/XX/XXXX and they had charged me a {$400.00} transaction fee for the {$10000.00} check plus the statement said that my charges for the period plus the {$10000.00} was due by XX/XX/XXXX. 

Today ( XX/XX/XXXX ) I went back to the bank to question this. XXXX called MasterCard or somebody - maybe her B of A contact - and after over an hour on the phone with a lot of what I called " double talk '' someone named XXXX said he would waive the {$400.00} fee if I paid back the {$10000.00} loan right away. When XXXX called back to see if that meant by the XX/XX/XXXX due date they would not verify the {$400.00} waiver. 

I feel this original offer was very confusing and - after our phone call today - intentionally deceptive! 

I seek all remedies available including any punitive damages due for being subjected to false and deceptive advertising.