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

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct this account : XXXX XXXX XXXX XXXX  XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I entered into a consumer credit transaction, on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX I realized back in XX/XX/XXXX, I was violated in a few ways, I'm listing here, As I said a consumer credit transaction, ( 1 ) rushed ( robo signing ) ( 2 ) no rescission documents of any kind ( 3 ) no mention of my right to rescind the agreement ( 4 ) Consumer Credit Transaction does not include any payments in cash value ( 5 )
Product: Debt collection

I was recently alerted by a credit monitoring service that a new collection account was placed on my XXXX credit report on XX/XX/XXXX in the amount of {$2500.00} by National Enterprise System the original creditor being XXXX XXXX. Let me start by saying, I do n't owe this debt because it was included in my chapter XXXX bankruptcy discharged of XX/XX/XXXX. I am certain XXXX XXXX was notified of my filing and discharge at the time. I have a copy of my discharge notice as proof. I was also able to contact XXXX XXXX on XX/XX/XXXX which they then confirmed my debts were sold to an outside collection agency many years ago soon after learning of my filing. XXXX XXXX forward me an old student account summary showing a balance in the amount of {$1000.00} dated XX/XX/XXXX that I allegedly owed at the time, which i disagreed with. The collection agency ( NES ) who now owns this zombie debt plus the unexplained amount they 've added on to it has re-aging this debt by recently placing it on my credit report as if it was only 4 years old.They claim I owe this amount but can not tell me why. I have worked very hard to re-establish my credit over the past 6 years and now my rights are being violated and this is beginning to cause me great stress and depression.
Product: Debt collection

Debt sent to collectors and collectors have been calling daily more than once a day. I have tried to explain repeatedly that the debt is not mine and there should be not debt. They continue to call daily again several times a day and are rude nor will let me speak if I answer.
Product: Debt collection

An offer letter was submitted, outlining conditions of paying a disputed debt, along with a restricted endorsement on the payment instrument itself. 

Portfolio Recovery Associates processed this payment instrument, without adhering to the accompanying agreement. 

Further attempts to follow-up have been unsuccessful.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXXXXXX and their debt collection company several times to rectify this issue. 

I paid this debt in XX/XX/2023 and closed the fraudulent account out. However, XXXX XXXX continues to report it on my credit report as a collection account with a balance. It has been 4 months and XXXX XXXX has not removed it from my credit report and reported it as paid.
Product: Credit reporting

I AM FILING THIS COMPLAINT BECAUSE EQUIFAX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THESE ACCOUNTS : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX CRE ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT UNKNOWN ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ALONG WITH THESE INQUIRIES : ACCOUNT NAME : XXXX CARD DATE : XX/XX/2016 ACCOUNT NAME : XXXX DATE : XX/XX/2016 ACCOUNT NAME : XXXX DATE : XX/XX/2015
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX high yield interest savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many., breaching the consumer Financial Protection Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

I have been subjected to undue stress, XXXX, and mental suffering as a result of the actions taken against me, which has made me feel like I am being bullied and unfairly targeted. I have been trying to fix my credit report for years. Under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, I have the right to challenge any form of debt reported on my credit file and seek validation of such obligations. I have never received any verifiable evidence of any obligation. The stress and XXXX  have significantly impacted my daily life, causing loss of sleep, decreased productivity, and overall emotional distress. If the account is Verified as " COMPLETE AND ACCURATE '' why is there still PAST DUE charge off accounts on my credit report? Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The source of this mental anguish stems from these inaccurate, unverified, incomplete accounts on my credit reports and actions taken that have no basis in law or fact. Charge off as defined in Publication 4681 by the Internal Revenue Service ( IRS ), is considered as income, not a debt obligation. Therefore, it is my belief that the account should reflect a XXXX balance in terms of past due amounts, as it is not indicative of a traditional debt. This discrepancy is causing a misrepresentation of my financial history and have implications on my creditworthiness and has inflicted substantial harm upon my financial stability and personal reputation, arising from the unjust denial of my application with the United States Capitol Police. The rejection is rooted in false and incomplete information reported in my credit report, errors that were apparent and easily verifiable. Therefore, I contest any reported debt until such validation and evidence are provided. The certificate of financial statement should reflect the negative accounting I owe, for example : XXXX ( XXXX ). Specifically stating whether I owe or do not owe any actual red numbered negative amount of debt. If no proof of negative accounting exists, I request that negative reporting cease immediately.
Product: Student loan

Navient is servicing both my federal student loans, as well as a private loan obtained while I was an XXXX. Due to my limited income as an XXXX, my federal loans are being repaid through the Income-Based Repayment option and they are current. However, my private loan, which initially totaled {$31000.00}, is now more than {$80000.00} as a result of usurious interest rates ( 10.75 % ) and numerous forbearances granted while in graduate school. On XX/XX/2017, Navient agreed to lower the interest rate and reduced my monthly payment to {$340.00} per month for 18 months. My account was automatically debited for two such payments ( one in XX/XX/XXXX and another in XX/XX/XXXX ). Without warning or explanation, Navient increased the payment to {$1800.00} per month on XX/XX/XXXX - more than I actually earn each month. 

Navient 's approach to loan servicing is disingenuous and borders on fraud. These practices have been well-documented by the CFPB and forms the basis of the Bureau 's recent legal action against Navient. I sincerely hope that the CFPB continues to pressure Navient, through the courts, to cease and desist in these fraudulent practices and that those of us who have been injured, despite our good faith efforts to resolve our financial obligations, finally receive just remedies.
Product: Debt collection

I tried calling the company of Stephen Einstein and Associates on numerus occasions. All representatives refuse to talk to me on the account. They all said there was not any supervisor or attorney I could speak too. They said they are a law firm and don't have follow the FDCPA. They constantly told me I had no rights and said I will be getting a judgement for a debt I do not acknowledge but I was calling to see what this debt was for because it was on my XXXX XXXX. They refuse to get me to anyone that could give me any information. Said they would not send me a validation of debt. Got very rude. Made numerous threats. Would not connect me to anyone helpful. I got hung up on by 3 representatives. Then they wouldn't answer my calls. Just made threats of lawsuits and judgements.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against LVNV Funding regarding the inaccurate reporting of account XXXX on my credit report. This account is currently reporting a balance of {$4000.00}, whereas the original creditor has confirmed in writing that the account was charged off at {$3500.00}. I have attached the correspondence verifying this discrepancy. 

Additionally, your reporting practices violate the Fair Debt Collection Practices Act ( FDCPA ) by inaccurately listing a 120-day past due status and payment history, despite the fact that collection accounts are not permitted to report late payments or a past-due status. This is a clear violation of federal law and misrepresents the nature of the debt. 

I am formally requesting that this account be immediately removed from my credit report. While I am not seeking litigation or monetary relief at this time, if this matter is not resolved within 14 days, I will escalate this issue to my attorney for further legal action.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report, on XX/XX/2022 I and asked the credit bureaus to check and make sure everything was accurate according to 15 USC 1681i I waited 30 days and received nothing for response from the consumer reporting agencies, Which is a violation, Transunion, XXXX, XXXX. 
They did not remove anything. 
Also XXXX keeps modifying my dispute date which is a violation of my rights as well. 
This is negatively impacting to pursue buying a safe home for my family.
Product: Credit reporting or other personal consumer reports

Experian 's login always takes you to a landing page asking you to upgrade your membership to include " XXXX XXXX Report & XXXX XXXX '' as well as saying that your Experian " CreditLock '' requires a paid membership to use. This is unfair and deceptive business practices that imply that a paid membership is required to use what should be free by law to request a security freeze and to view your credit score. The landing page also shows the cost as " XXXX '' with smaller text indicating the recurring cost is XXXX $ monthly. You are required to see this landing page upon every time you login, further raising the chance you mistakenly agree to the " XXXX '' in order to access your credit report. Alternatively, you are forced to search for the legally required option to freeze your credit report, which does not show up under the " Protection '' drop down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX  XXXX. I had taken a cash advance in XXXX which I paid off in XXXX. I actually overpaid and had a negative balance on the account for several months. XXXX XXXX XXXX erroneously and fraudulently reported that I was 30 and 60 days late in XXXX and XXXX despite having a negative balance during that time ( the bank owed me money! ) and closed my account. I have credit card statements from XXXX XXXX XXXX verifying all this. I tried contacting XXXX  XXXX XXXX to reverse it but they haven't taken any meaningful action and just move me from one branch to another. I spoke to them several times. I contacted all 3 credit bureaus and sent them a copy of all my bank statements showing no balance!! They still haven't corrected it and just said that this is what the bank is reporting. Even in the credit bureaus ( Experian, XXXX, XXXX ) reports they have {$0.00} balance for those months. I don't believe they reviewed the bank statements and did a serious investigation. Please help me with this. You can review the rest of my credit history and it is impeccable. I have never had a late payment in the last 10 years probably. I watch my credit very carefully. 

I'm gon na attach a copy of all my bank statements from XXXX  XXXX XXXX.
Product: Mortgage

I filed a VA partial claim in XX/XX/2022. I did not know what this was but my mortgage company XXXX XXXX XXXX insisted this was the best route for service member and for me to reduce my monthly payment. 

XXXX sent the partial claim to the VA and requested for XXXX to be paid. The VA sent the claim back to XXXX requesting corrections XX/XX/2022. XXXX responded after numerous complaints I filed with XXXX. They resubmitted the loan to VA XX/XX/2022. 

The VA sent it back again requesting correction to verbiage in the document. This time, XXXX transferred my loan to their partner New Rez. However, New Rez doesnt have a loss mitigation department and referred me to their partner Shellpoint Services . I have been in contact with shllpoint for numerous months trying to get the verbiage corrected so that the VA can pay out on my partial claim. They have instead turned the balance over into a deferrment. 

This is not how the process goes and is hurting my credit tremendously. The company refuses to fix it and I am at a loss. I am PCSing soon and wont be able to find a place because they are reporting my mortgage as a deferment instead of how the VA partial claim is supposed to be paid out and reported as a separate loan. 
Please help. Im at my end with these 3 companies.
Product: Student loan

This was to be a temporary credit through  XXXX . They told me I was fully approved to cover my loans for school. After I had started to go to class they pulled me out of class to tell me that I did n't get approved for part of for tuition I needed.  XXXX  told me they could give me a temporary credit where I could paythe school back directly. After I graduated I started receiving bills from  XXXX  and then I called them they told me I had a private loan. I have called them and asked them to provide me with a copy of this loan or contact to show me where I ever signed an acknowledgement of this loan but they told me they ca n't provide it because  XXXX  is in bankruptcy
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax, XXXX, and XXXX for their ongoing failure to correct inaccurate and fraudulent information on my credit reports. Despite my multiple attempts to resolve these issues, including providing all necessary documentation and clearly outlining the inaccuracies, the credit bureaus have ignored all of my correspondence. This negligence has resulted in several violations of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ), 1681s-2 ( a ) ( 1 ), 1681c ( a ) ( 4 ), and 609. The credit bureaus have failed to maintain accurate information, reported incorrect account statuses, neglected to mark the accounts as disputed despite my multiple disputes, and have not verified or corrected the disputed information as required. Their actions have caused significant harm to my creditworthiness and financial well-being. I request the Consumer Financial Protection Bureau ( CFPB ) to conduct a thorough investigation, ensure the immediate removal of all erroneous information or mark these accounts as disputed until verified, and provide me with updated copies of my credit reports reflecting these changes.
Product: Checking or savings account

My girlfriend signed me over her payroll check in which I deposit the check in full via ATM on X/XX/2017. I went into the branch the next day when the funds became available and removed funds from my account. On XX/XX/XXXX I received an email stating I had XXXX funds in my checking account. I immediately open my Wells Fargo app to view the activity where it showed my ATM deposit pending return. I then immediately called Wells Fargo to inquiry on the reason the check is pending returned item. The representative informed me because the check was made payable to another person I could not deposit the item as it was against their policy. I asked when did this become their policy as I did this type of transaction in the past. He then informed me this has always been a policy in which they are now enforcing more within the last couple of years. The representative stated a copy of the check would be sent to my girlfriend. I asked how will the check be sent to her when her address is not on the check and the check has been properly endorsed to me making it a legal instrument entitled to me. The representative stated I could have deposit the check with the signer inside the store location. I do not understand how an establishment can pick and choose when to upheld a policy. In addition, an ATM deposit should not warrant any difference than a deposit in person. Worse case senario an extended hold could have placed on the check. How can a check cashing company have their customers sign over their check and deposit the checks into their account if this is against Wells Fargo policy. Now I have to let my account sit in a negative balance because I made payments to other vendors and get assessed with multiple fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, AMERICAN FIRST FINANCE added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA AMERICAN FIRST FINANCE has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Debt collection

Some opened an account in My name Even though it was {$5.00} still Navy Federal Credit Union is asking Me to pay
Product: Debt collection

Bill is for ambulance service in XXXX 2014. Insurance information and permission to bill insurance company was provided at time of service. In a conversation with the insurance company today ( XXXX XXXX, XXXX XXXX XXXX ) confirmed that ambulance service was covered under that policy but indicated that the ambulance company never submitted a bill ; they had one year to submit a bill according to the insurance company. The company never sent a correspondence with billing information to me at my current address at that time ; I only learned about the bill more than a year later. More specifically, I never received any information indicating that they did not submit the claim, nor did I receive a bill until after one year after it was too late to submit on my own. Today, XXXX XXXX XXXX company representative ( XXXX XXXX ) refused to provide any medical or billing information to me after I learned of the bill. She referred me to Augusta Collection Agency who 's supervisor, XXXX XXXX, refused to provide me with any information as well ; she only insisted I pay despite that this was a covered service. She further threatened me stating that this would not be removed from my credit report. XXXX XXXX XXXX was given permission to bill my insurance company but never did this. Further, they did not communicate in a timely manner that there was an outstanding bill or that any action was required on my part within one year. If there was a problem with billing my insurance, I should have been informed within one year so that I could have assisted in that process. Even at this time my information and original bill is being refused to me by both XXXX XXXX XXXX company and XXXX XXXX XXXX. This should be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT XXXX has violatedmy rights. 

15 USC 1681 section 604 states i have the right to privacy 15 USC section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I applied for a car care credit card through Synchrony credit. I have spent the better part of the last year fixing my credit up to XXXX, so I really expected it to be accepted. 

However, I was completely shocked to see that I was declined. When I read the fine print a little further, it showed that my score was XXXX. My score hasn't been XXXX for years! And I pay good money to monitor my credit. 

After double-checking, they are, in fact, accessing a completely incorrect credit score. This is a problem because I would never have performed a hard pull unless I thought for sure I'd get approved. As previously stated, I'm rebuilding my credit and wouldn't want to lose even just a couple of points. 

I tried calling and got nothing but scratchy, pre-recorded prompts which ended because I wasn't approved and don't have an account number. There was an option to write them. But, realistically, is that really going to help me? There should be a way to get answers from a real person for something like this. 

I'm actually glad this happened because I would never trust this company to accurately report my payments if they can't even obtain an accurate report in the first place, but something needs to be done. 

Thank you!