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

I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX MY NAME IS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX DOB XXXX SS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Goldman Sachs hard inquiries on credit report XX/XX/2021
Product: Student loan

I recently have found out via XXXX XXXX that Navient has added interest to my student loans. My loans are currently in " In-School Deferment. '' I am a XXXX XXXX at XXXX University and interest should not be added onto my loans while I am in school. 

I would appreciate any help with this matter. Thank you.
Product: Credit card or prepaid card

They put a permanent freeze on my account. Ive reached out multiple times and Ive been told that after balance was paid in full they would remove any restrictions on the account and they refuse to remove them even though I did pay the account in full. I feel like I was bait and switched being told to pay off my balance so I could use the card again and I paid the balance down to XXXX and now theyre stating the account is permanently restricted.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove the incorrect account below from my personal credit file : ERC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my Equifax credit file that I didnt file in XX/XX/2015 and it showing on my Equifax file and this is stopping me from getting a mortgage I never file in XX/XX/2015
Product: Credit reporting or other personal consumer reports

I am writing to inform you that the associated accounts linked with XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX has undergone successful discharge through the Internal Revenue Service ( IRS ) via a 1099C form. Attached herewith is Copy B of the processed 1099C from the IRS for your reference. 

As a direct consequence of this account being settled and discharged by the IRS through a 1099C, I hereby request the immediate deletion of the charged off accounts currently being reported on my consumer report. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation.
Product: Debt collection

Keep sending me statements, and I have requested debt ( s ) validation, but to date, nothing received.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Student loan

I hired an attorney ( XXXX XXXX XXXX XXXX XXXX to prepare and submit a rehabilitation agreement on my government backed student loans. National Recovery Inc., is the collection agent for some of those student loans. XXXX XXXX submitted my rehabilitation paperwork along with my XXXX tax return in XXXX, XXXX. XXXX XXXX had confirmation National Recovery received these documents. In XXXX, XXXX. XXXX XXXX personally spoke with a representative from National Recovery , Inc. They admitted they had the paperwork, the admitted they were unsure of what was holding up the process, but promised XXXX XXXX they we would have the documents within the week. It has been more then two months since we submitted the paperwork and National Recovery , Inc. has made NO ATTEMPTS to honor the application. I believe they are doing this so they can affect my XXXX tax return. Thus, I believe they are intentional and malicious ignoring the federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law to resolve this matter as soon as possible. 
XXXX 'S XXXX XXXX Balance : {$110.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$700.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I purchased 2 concert tickets in the amount of {$1200.00} ( XXXX XXXXXXXX each ) and were asked to transfer to money through Venmo XXXX After the transaction happened, I learned that the Venmo account that I had sent money to was not the initial seller. Turned out the seller used her friend 's account to receive the money and had that person send the money to her. I waited for hours yet I did not receive the tickets and the seller stopped responding to my messages. Early morning on XX/XX/2023, I called Venmo to report the transaction and was told they would take care of it and would help me to get my money back. I also asked the Venmo receiver to send my money back as it was a scam but he told me he had already send the money to the seller ( his friend ). At that time, the transaction was still pending on my bank account so I called the bank to stopped the transaction before it finalized. The bank was able to stopped the transaction with the charge of {$35.00}. 

On XX/XX/2023, I received an email notifying me that my Venmo account was frozen because of negative balance. Turned out Venmo sent the money to the receiver while the transaction was still pending on my bank account and now Venmo wanted me to pay them back the funds they had sent to the scammers. 

I contacted Venmo with the hope they could at least take proper actions against scammers and requested the money back from them. Yet it did not happened. They never asked for any proof or information regarding the scam nor willing to resolve the issue. As a customer and a victim of a scam, I was lucky to get my money back in timely manner, yet Venmo is now after me for the funds and sending me notices that they would give my information to a debt collector agency. As Venmo is with Paypal, on XX/XX/2023, Paypal sent me another notice to request me to pay back the fund. 

Venmo has been used as a mean to scam people and they are not taking proper actions to protect their customers who are victims of scams. Instead, they're after us victim and pretty much not doing anything to the scammers. 

I know there are a lot of people out there who are unfortunate for not being able to get their money back. I was able to through my bank, and now Venmo 's collecting debt from a victim which is absolutely obstructive. 

I hope by raising my voice and submitting my case, CFPB will help us victims to at least correct Venmo 's procedures in handling cases like these.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a letter from XXXX stating that the Biden Administration paid off my stiudent loan in full. I decided to check my credit report 30 days later on XX/XX/XXXX with TransUnion. The balance of {$36000.00} had not changed. I filed a dispute on XX/XX/XXXX, but when investigated, nothing changed. I then tried to see if my XXXX or XXXX account balances had changed- they did not. I filed a dispute with XXXX on XX/XX/XXXX, the report came back with the baance not changed. I filed another dispute on XX/XX/XXXX, but still nothing had changed. Keep in mind, I attached the PAID IN FULL letter from XXXX each time. On XX/XX/XXXX, I filed a dispute with XXXX, but the results of the investigation were the same - no change in the balance. I am at the END of my rope. What can a consumer do when credit bureaus refuse to update? I have also contacted XXXX by phone on XX/XX/XXXX, XXXX and XX/XX/XXXX -- and they claim they are sending the updated information to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I faxed over my police report and a list of everything that needed to be removed from my credit report for Transunion. I was told to do this by XXXX and that by the 5th business day it would be removed. Well, I checked my credit report and saw that only the inquiries were removed. Nothing else. I called in, stayed on hold for 45 minutes and finally got someone on the phone in the US Special Handling Department. She said no one mishandled the account but she could see where there were some discrepancies once she went back and looked at the original documentation that was sent it. She told me that it would be another 5-7 business days to review it and then they would mail out the results. That is unacceptable. They should have removed everything while I was on the phone based upon what she saw along with the documentation that I sent in. They are violating my rights as a consumer and I have the right to file suit if this is n't fixed asap. I will also be filing a complaint with the attorney generals office and the ftc because of this. 

The accounts that should have been removed in addition to the inquiries were XXXX, 2 bankruptcies, all accounts associated with XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX.
Product: Debt collection

A debt collect by the name of Credand Resource Management is on my credit report. I do not know this company nor have had the right to dispute.
Product: Debt collection

According to the Fair credit Reporting Act 15 USC 1681 section 602 states There is a need to insure the the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for customer rights to privacy. The XXXX credit bureaus XXXX, XXXX, XXXX are consumer reporting agencies while i am the consumer. My rights to make sure my private information will not be shared. Under 15 USC 6801. the policy says that Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of me the customer and protect my security and confidentiality of those customers nonpublic information ( furnisher of information to credit agencies is a financial intuition by definition under that title. 15 USC 1681 section 604 section 2. Under this policy XXXX XXXX XXXX  nor financial institutions do not have my consent verbally, non verbal, or written consent. Any and all consent whether it be verbal, non- verbal, written, nonwritten, implied or otherwise revoked. 15 U.S.C 6802 ( b ) ( c ) states that a financial institution may not disclose non public information to a nonaffiliated third party unless the consumer is given an explanation of a non disclosure option. They have informed me of my right to exercise nondisclosure option. also 15 USC 1681c ( a ) 5 states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer reports containing any of the following items if information any other adverse item information other than records of convictions of crimes with antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681 s-2 ( A ) ( 1 ) a person shall not furnisher any information. relating to a consumer. 15 U. S Code 1681states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c. also CFR 1016.7 a consumer has the right to opt out at any time. I am opting out of your reporting services
Product: Debt collection

On XX/XX/2019, I recieved an automated phone call, which was then answered by a representative of Midland Credit Management. I've been recieving and responding to these phone calls for the past month or so. Explaining to Midland that I intend to resolve the debt. The representative I spoke with today at approximately XXXX XXXX, mountain time, seems more concerned with why the debt defaulted in the first place. I explained the debt was at least 2-3 years old, and was ready to reach an agreement with them. He continued to insist that I explain why the debt became delinquent. Which, in the case of such an old debt, is immaterial. I made every effort to communicate my intentions of resolving the debt, to no avail. I also asked the representative for his callback number, in case I needed to reach him again, he did not refuse to provide it, however he did not give it to me. Thank you
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Debt Collection Removal Dear XXXX XXXX, I am writing to formally request the removal of a debt collection entry from my credit report related to account number XXXX. I have been reviewing my credit report, and I noticed that this entry was reported on XX/XX/XXXX. 

I understand that I have the right to dispute inaccurate or incomplete information under the Fair Credit Reporting Act. I believe this entry may be inaccurate for the following reasons : There was no proper notification of inaccurate balance or payment. I was not notified not once. Also the balances and reporting of accurate payments is incorrect. 

I request that you investigate this matter and, if the debt is found to be inaccurate, remove it from my credit report. Please provide written confirmation of the results of your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective   XXXX   XXXX  , 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Student loan

Lender has repeatedly missed its own deadlines to review my application to release cosigner. Pursuant to the terms of this private student loan ( bar loan ), loan is subject to co-signer release after 48 months of consecutive monthly payments. I have made these payments. On XX/XX/2017, I submitted a request for cosigner release and was informed that my request would be processed within 10 days. After these 10 days, rather than a substantive response to my request, I was provided with a blank application to fill out, which I did, notwithstanding the fact that it should not have taken 10 days simply to provide me with a blank application. Now, more than 10 business days have passed since I submitted the complete, signed application, and the lender has not responded to my application, even though they stated that all requests would be reviewed within 10 business days. PNC 's intransigence should not be permitted.
Product: Mortgage

Wells Fargo my mortgage servicer is giving me a difficult time with my request for mortgage modification. Wells Fargo representative persuaded me to sign a equity line of credit instead of a 30 year mortgage. I have requested mortgage assistance because of a hardship but they have set several foreclosure sales dates and refuse to work with me.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX has 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: Bank account or service

On many occasions I have bee assessed multiple over draft fees. I will call on a payday Friday and something has been deducted from my account. I ask about the balance Friday night and by Monday if another item comes in Friday overnight and is close to my balance, they hold the deduction and charge me an overdraft fee. Then they will send the already deducted item through on Monday and charge me an NSF charge. I also placed holds on items and they have paid them anyway. I want the holds taken off and my money returned. This also caused my account to be over drawn.
Product: Debt collection

I do not believe the claim for {$1300.00} from : " CAPIO PARTNERS LLC '' or " XXXX / XXXX XXXX XXXX XXXX '' is legitimate. 

1. I received an invoice from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, dated XXXX/XXXX/XXXX is for services dated XXXX/XXXX/XXXX ( almost 6 years later ). See attachment # 1. 

2. I called XXXX ( XXXX/XXXX/XXXX ) and they referred me to you CAPIO PARTNERS. 

3. I called CAPIO ( XXXX/XXXX/XXXX ) and left a voicemail asking them to call me. 

4. I recently called my insurer, XXXX XXXX ( same insurer as service date in XXXX ). XXXX XXXX told me there were no claims filed for an ambulance, service date XXXX/XXXX/XXXX or for any other surrounding dates. XXXX XXXX also told me it was now too late to file a claim ( the 2-year window expired ). 

5. I recently discovered that XXXX / XXXX XXXX XXXX XXXX is affiliated with XXXX ( the invoice was for ambulance service ) .Apparently XXXX XXXX XXXX XXXX XXXX XXXX as a joint venture between Rural XXXX XXXX and ... See attachment # 2. 

6. Our local news station aired a segment criticizing XXXX XXXX for their billing ( lack thereof ) and their collection practices. See attachment # 3.
Product: Credit card

I am filing this complaint against Barclays regarding an unfair interest charge of {$350.00}, which was posted to my account on XX/XX/year>, despite my account being effectively paid off before the due date. 

Summary of Events : On XX/XX/year>, I received a refund of {$4900.00} from a merchant. 
On XX/XX/year>, I received an additional refund of {$10000.00} from the merchant. 

My credit card payment due date was XX/XX/year>. By that date, these refunds had significantly reduced my balance. 

When I attempted to make a payment on XXXX XXXX, I received the following system notification, preventing me from making any payment : " The sum of your scheduled payments can not exceed your current balance. The maximum payment you can make on your selected payment date is {$0.00}. To modify or cancel scheduled payments, visit Payment activity. '' Despite this, on XX/XX/year>, I was charged an interest fee of {$350.00}. 

Why This is Unfair : The refunds were processed before my payment due date, which means my balance was effectively resolved before interest should have been assessed. 

Barclays ' own system prevented me from making a payment, indicating that my balance was already satisfied. 

Barclays still applied interest despite my balance being covered, which does not align with fair or reasonable banking practices.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. XXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES IHAVE 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.