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

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I agreed to settle my account with XXXX XXXX XXXX  for the amount of {$770.00} through their third party debt collection agency and it was agreed upon payment the my account would be marked as settled and removed from my credit report with all three bureaus.. But upon my further investigation Ive noticed that the debt still has a balance and has not been removed from my credit report.. This is unfair and needs to be addressed immediately because that was the last funds to pay my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being brought due to the fact in the month of XXXX, I submitted a dispute to Equifax in regards to fraudulent items on my consumer credit report but did not hear back in regards to an update towards my dispute when contacting Equifax they stated that they had no information despite the fact of receiving my dispute via USPS mail certified. I am a victim of identity theft and this blatant disregard to my due process via the FCRA section 605B, included in my dispute over the fraudulent items was the following, a copy of my current drivers license a copy, my official Social Security card, a copy of my current utility bill establishing identity and address a direct letter from entity where the information breach took place as well as a copy of my FTC identity fraud affidavit and local police report. 

It is damaging enough to have been a victim of a data breach, yet now I am not being acknowledged in my dispute and my congressional rights are being violated.
Product: Debt collection

Filed suit which is set for XX/XX/23 for XXXX dollars plus court cost. I requested documentation on XX/XX/23 ( see attacked letter ). On XX/XX/23 called the company spoke with XXXX and XXXX after receiving the attached correspondence ( see attachment from Midland credit dated XX/XX/23 ). I was told by debt company they did not have to provide me with the documents I requested. I was told by XXXX I could check online and see if the requested information was there. I tried to explain according to the Fair Debt collection act the company continued to attempt to collect on debt or seek judgment, the company would be in violation of above act. I was told by XXXX I got all the information they had and refused to provide documentation showing the company is licensed to collect debts in Virginia signed application and documents showing the company had verified that I am responsible for the debt. I was told by XXXX XXXX XXXX it was my responsibility to prove the debt wasnt mine.
Product: Debt collection

Debt is out of date ( uncollectable due to age- as admitted on the debt collector 's correspondence ). There are 2 or more collectors trying to collect the same debt. 

The first one is : XXXX XXXX XXXX , XXXX ( also has First National Collection Bureau, LLC listed on their correspondence ) Thier number listed is : XXXX Account reference number is : XXXX ( account number is not fully listed ) The second one is : XXXX XXXXXXXX XXXX XXXX  Their number is : XXXX Their Address is : XXXX XXXX XXXX, XXXX XXXX XXXX Texas, XXXX First National Collection has said in their communication that they can not sue, collect, or report to the credit reporting agencies due to the age of the debt. 

I believe that they are both trying to trick me into accidentally restarting the debt so that it is collectable.
Product: Student loan

Climb credit had me to sign up for a student loan for XXXX school classes. However I could not do it because I dont have a GED, I received no books, took no classes or received any money. When I call I get the runaround. They cant even give me the name or location of said school. So I CANT contact them! But t receive statements in the mail. When I called they said they couldnt help me that I had to call climb. And they tell me I have to call the collection dept.
Product: Mortgage

I have never been late on my payments and have made them every month by the 15th. They are now charging late fees even though I am within the grace period. They have also said I missed a payment when the loan was sold and every time I called every person said something different they just keep putting illegal fees on top of fees that can not be legal. Mr. Cooper should not be in service I want my mortgage sold to someone else
Product: Credit reporting or other personal consumer reports

I have disputed these accounts for over a year now. They do not belong to me. Im a victim of fraud. 

XXXX XXXX {$22000.00} opened XX/XX/XXXX XXXX XXXX {$0.00} opened XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} opened XXXX XXXX XXXX XXXX XXXX {$4200.00} opened XXXX, XXXX XXXX My sister opened these accounts in my name.
Product: Checking or savings account

I noticed fraud on my account on XX/XX/year> and contacted my bank to cancel my card. Every day after that the charges continued to clear through and new charges were allowed. I spoke to them every day since then. I requested my account to be frozen because of the charges. Now, they are denying all disputes and will not help me when I call in. They allowed over {$1500.00} to be taken and when I call, I get told to wait for email and I can not speak to supervisor or dispute team dirctly.
Product: Mortgage

D ear Sir/Madam, I  have an existing complaint (  XXXX  ) regarding the unreasonable monthly payment increase. I was told that the mortgage company filed the extension to respond to my previous complaint. Since I can not make a monthly payment at the amount of {$3500.00}, I called the company to see how much I have to pay for  XXXX   2017  to avoid any more issues and talked  one  of representatives named "  XXXX  '' and she mentioned that I can pay {$2900.00} until the decision is to be made to avoid the late fee and any other issues. Today I received the letter from the mortgage company asking to pay {$6500.00} by  XXXX / XXXX / 2017 . I 'm having real hard time to figure it out why this is getting worse and worse.. I still did n't get any response from the mortgage company regarding how much the monthly payment will it be regarding the complaint (  XXXX  ).   I am attaching the statement I received for your reference. Please help me out! Thank you!!
Product: Debt collection

BUTLER & ASSOCIATES, PA is alleging that there is a debt in the amount of {$570.00}. Multiples times I have requested validation of debt as required pursuant the FDCPA and Regulation F. As required by law : BUTLER & ASSOCIATES , PA has failed to validate this debt via model form B. In addition have also requested an assignment contract allowing them to collect on any alleged debts and they have failed to provide any contracts or assignments as required under the FDCPA. 

BUTLER & ASSOCIATES, PA continues to harass and mail me offers to contract with this alleged debt.
Product: Credit reporting or other personal consumer reports

Experian has violated the FCRA over 19 times within the past two years by a reporting a Bankruptcy item on my consumer report. Demanding immediate removal from my consumer report.

" According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies have a serious responsibility to treat consumers fairly, impartially, and with respect for their privacy. Experian is a consumer reporting agency, and I am a consumer. I have the right to ensure that my private information isnt shared, as supported by the FCRA ( 15 USC 6801 ), which emphasizes financial institutions obligation to protect customers nonpublic personal information.

The term Furnisher of information to credit agencies refers to financial institutions. According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only provide a consumer report based on the written instructions of the relevant consumer. Experian, and other reporting agencies do not have my consent to share this information, nor do they have my written permission. I hereby revoke any consent, whether verbal, non-verbal, written, or implied.

Additionally, 15 USC 6802 ( b ) states that financial institutions can not disclose nonpublic personal information to non affiliated third parties unless they explain how consumers can exercise their right to nondisclosure. Unfortunately, the Furnisher of information to credit agencies never informed me of this right.

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report, especially if it predates the report by more than seven years. The account theyre reporting without my permission falls into this category, which is unlawful.

Lastly, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that a person must not provide inaccurate information to a consumer reporting agency. Experian should maintain reasonable procedures to avoid violations of section 1681c and limit the use of consumer reports to specific purposes ( as outlined in section 1681b ).

In accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 I made a visit to the XXXX XXXX  later on I received a bill for {$1600.00} and around the same time I received an email with the EOB from my insurance which states that they issued a check to the hospital and I was in charged of paying the remaining balance {$290.00}. I kept receiving bills from the hospital for the same amount one day I called and the said they are not in charge of that bill that the bill was sent to collection ( which I never got a noticed from it until a week later after I called ) when I talked to collections we set up monthly payments and they still charged me the full amount. I explained the situation and they were kind of rude and told me to send the paper work through fax which I did and I havent receive any response yet, and I already made some payments. 

The agencies involved are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX non-adverse, non-belligerent, non-combative party, secured creditor with power of attorney general and executive on behalf of XXXX XXXX estate is in the possession of your recent voluntary submission of evidentiary documents. In order to verify this XXXX debt, the secured creditor is requesting the following ; Account manager must herein provide a true and certified copy of the complete audit trail of said account. In order for the debt to be validated, please provide verification through your organizations audit certifications of debt entry in accordance with g, a.a.p.. i.f.r.s., in accordance with Basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your organizations Tax Registration certificate. An account summary on its own does not provide sufficient verification of debt.

Failure to substantiate the claim, please settle the account within the next 10 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account on my file that needs to be removed! I have been disputing this account for months. I paid the balance on this account months ago but they continue to report a balance!! Reporting inaccurate information on a credit report can be considered fraud under both federal and state laws. This needs to be removed from my file.
Product: Credit reporting or other personal consumer reports

Subject : Formal Notice of Intent to Pursue Legal Action for FCRA Violation Dear Nicholas Finance, I am writing to express my deep disappointment with your response dated XX/XX/XXXX, in which you have chosen not to provide the information I have requested obviously you enjoy going against the law. This information pertains to unauthorized credit inquiries made by your company, which, in my view, constitutes a violation of XXXX compliance and a clear breach of the Fair Credit Reporting Act ( FCRA ). In your response, you refer to certain credit inquiries initiated by me, indicating that on XX/XX/XXXX, I submitted an application to XXXX XXXX XXXX, and on XX/XX/XXXX and XX/XX/XXXX, I submitted applications to XXXX XXXX XXXX. However, I must emphatically state that I have neither provided consent nor authorization for these credit inquiries. Your company 's decision to absolve itself of responsibility by redirecting me to the dealerships for application verification is deeply unsatisfactory and evasive. I have made a legitimate request for the general or specific certification that was sent to the consumer reporting agencies, as per my rights under Rule 1002 of the FCRA. It is essential to remind your organization that FCRA Section 619 imposes criminal liability on those who knowingly and willfully obtain consumer information from a consumer reporting agency under false pretenses. Your company 's actions have caused me significant harm, ranging from the invasion of my privacy to disruptions in my financial and emotional well-being. As a direct result of your company 's willful violation of the FCRA, I have been unjustly denied access to new credit and increases in lines of credit. In compliance with FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ],
Product: Student loan

My XXXX payment of {$490.00} was debited from my checking account and the full amount of {$490.00} was applied to accrued interest. 

However, the XXXX statement that Mohela provided only shows accrued interest of {$110.00} on loan XXXX and accrued interest of {$130.00} on loan XXXX for a total of accrued interest of {$240.00}. Yet {$490.00} was applied to accrued interest. 

This is an error since the difference of {$240.00} should have been applied to my principal. 

I have called Mohela several times a day for several days and they keep putting me on hold for several hours and no on is able to correct the problem or tell me why payments ar e being incorrectly applied. 

The billing statements are incorrect since what they are indicating is the accrued interest, it is not. This is very dishonest and unfair to the borrowers that there is no transparency as to how Mohela is applying payments and the customer service representatives do not have the answers. 

I look forward to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began to work on my credit file last year when I noticed that several accounts were reporting negatively that I had no knowledge of. While I was able to rectify most of the accounts, one remains, which is the account reporting from Navy Federal. At the time this account was opened, I was federally incarcerated. It was clearly a case of identity theft. I provided not only the credit bureaus, but Navy Federal with a signed FTC fraud affidavit, an affidavit they required for their bank, my incarceration records, and a police report. 

It was not possible for me to apply for credit. I have tried without avail and demand that not only the credit bureau, but also Navy Federal remove this information as this is causing me great financial harm as I try to rebuild my life and future. Both are in violation of SEVERAL laws in regards to credit reporting.
Product: Checking or savings account

I have occurred multiple overdraft fees while having sufficient funds with transactions were processed/ authorized. I contacted Navy Federal with my concerns. My issues and concerns were not addressed. I believe my issue align with CFPB findings.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX both my XXXX XXXX  we all and XXXX XXXX where deleted off my report and it isn't accurate at all, I am still paying these two loans and it is negativity impacting my report as well as the persons name whom is also on the credit report ( XXXX XXXX ). I would like these to both be put back on as it states accurately from my credit report from my lawyers office.
Product: Credit reporting or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act ) STATE OF MI XXXX XXXX XXXX I owe {$10000.00} Account # XXXX DATE OPEN XX/XX/XXXX - ( REPOSSESSION ) XXXX XXXX XXXX XXXX owe {$13000.00} DATE OPEN XX/XX/XXXX, ACCOUNT # XXXX15 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. 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.
Product: Student loan

I left school and contacted Fed loan servicing by phone to set up a payment arrangement. We agreed on a payment on the XXXX of that month. Before the XXXX came I received 11 late pays on my credit reports. I contacted them back and even was paying on time and they wont remove the 11 late pays. If I wouldve known that was going to happen I wouldve paid the day I talked to them on the phone instead of waiting for the payment date they set up! All I want is the 11 late pays removed of my credit reports. They say I missed 1 payment. But they have it split into 11 accounts. I would like these removed please. Thank you for your consideration.
Product: Credit card or prepaid card

On credit report, they claim the account was opened on XX/XX/2018 and I owed {$91.00}. I don't owe.
Product: Debt collection

Received a letter on XX/XX/2018 from Radius Global Solutions LLC trying to collect a debt for {$150.00} with XXXX XXXX that is in good standing and NOT in default. The account is closed but payments are being made. I believe this company is trying to scam people into thinking their account is in default. I requesting that XXXX XXXX be contacted so they can confirm my account is in good standing. XXXX would not be sending statements if I was in default.I have attached the last statement from XXXX.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2022 XXXX XXXX ( @ XXXX ), my electrician, sent me a {$300.00} transfer ( credit ) and a {$400.00} transfer ( credit ). He immediately sent me a text message stating, Hey decline any money I sent you I have been hacked. I responded by saying, Will do and I returned or declined the transfers. I followed up with him on XX/XX/2022 and asked, Did all of the money that was sent to me in error get sent back to you? and he responded, Yes thanks. 

At some point after the XX/XX/2022 communication, Venmo locked my account stating they needed a copy of my drivers license. I subsequently logged into my account and uploaded pictures of the front and back of my Ohio drivers license. Then, my account showed a - {$690.00} balance and theres a request to restore my account. 

It appears to me that Venmo debited my account the {$700.00} that my electrician claimed as fraud. There's nobody at Venmo that seems to be interested in helping me resolve this issue. I've had several email exchanges with them and the only response I get is that these issues are handled by a different department. I called in last week and spoke to a woman that gave me the same response but she did say she would forward my information onto the correct department. At this point, I've heard nothing from anyone. 

I would appreciated the CFPB 's assistance in straightening this issue out. I have tried on my own and I can't get Venmo to at least have a conversation to discuss the situation.
Product: Debt collection

I paid a debt owed to an apartment with another collections agency. After being contacted by Professional Debt Mediation, they ignored my emails, calls and voice messages for resolution to my paid debt. I paid another company called XXXXXX/XX/XXXXfor {$520.00} on XX/XX/2020 for debt I owed to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with Portfolio Recovery Associates. Their company states that they provide a letter asking credit bureaus to remove paid lines from credit report. A year and a half later, the accounts still appear on my credit report. When asked to provide a copy of the letter they sent, they stated they could not do that. This denial of my request begs the question of whether o not the letter was actually sent. In my initial complaint, I stated that I merely paid the accounts to have them removed from my credit report. This was not an admission that they were mine. They responded by saying that information linking me to the account came from the original credit bureaus. However, this information was never provided to me nor did I ever submit in writing that the debt was mine and was still owed. However, the debt was owed to the original company and not the credit agency. I would have had no contract with them despite them purchasing the debt from the original creditors. They also failed to provided the dates of when my accounts went delinquent. As per my understanding, an account becomes delinquent after the first missed payment. If the first missed payments were 7 years from the date I paid off the collection, then this company has indeed collecting money outside of the statue of limitations. The company failed to adequately address these issues in their response.
Product: Credit card or prepaid card

I received an ALREADY ACTIVATED credit card from Citibank through their Home Depot advertising -- after I have already told Home Depot to not send me any thing like this and cut up their previous card in front of them. Home Depot stated that they cancelled my card last time and removed my info from their records. XXXX, Citibank supervisor in Idaho, states that Home Depot could not have done this. So, Home Depot lied. When I got this mailed second card, I FINALLY got this second card cancelled today, after 45 minutes of their phone reps hanging up on me. I did not ask for a credit card. I did not fill out info from Home Depot to receive a credit card. This action by Citicard and Home Depot messes with my credit score and my personal financial information.