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

Good evening, To whom it may concern, I 've reached out to all   XXXX   credit bureaus in regards to a large amount of inquiries being reported on my report over the course of the last 3 years. While me and my father share same common name   XXXX   XXXX   I do know and have acknowledge with him that some of his inquiries are showing up on my report. After speaking with the bureaus about the hard inquiries seeking a quick and calm resolution to the matter their customer service would not help and take care of the negative inquiries reporting to my credit report. I 've as well reached out to the individual companies via phone and mail in regards to the matter and no one has yet to provide me with a solution. We all know the impact that this can have on a credit report and these matters are important to me to the point where I feel as if i 'm became a victim of one of the most greatest crimes today ( Identity Theft ). Tho me and my father share same common name   XXXX   XXXX    our identity is not only separated by middle name yet social security number as well. The list of the inquiries are listed below.
  XXXX   XXXX   Date Filed XX/XX/XXXX  Type All Banks - non specific Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed XX/XX/XXXX  Type Finance Companies - non specific Phone Number (  XXXX  )   XXXX   Address   XXXX   XXXX   XXXX   XXXX     XXXX   Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Auto Financing Companies Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Bank Credit Cards Phone Number Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   Date Filed XX/XX/XXXX  Type Automobile Dealers, Used Phone Number (  XXXX  )   XXXX   Address   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Auto Financing Companies Phone Number (  XXXX  )   XXXX    Address   XXXX   XXXX   XXXX   XXXX     XXXX   Date Filed  XX/XX/XXXX  Type All Banks - non specific Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Automobile Dealers, New Phone Number (  XXXX  )   XXXX   Address   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  Date Filed  XX/XX/XXXX  Type Sales Financing Company Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Tenant Screeners ( Reseller ) Phone Number (  XXXX  )   XXXX    Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX Type Tenant Screeners ( Reseller ) Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   XXXX     XXXX   Date Filed XX/XX/XXXX  Type All Banks - non specific Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Personal Loan Companies Phone Number (  XXXX  )   XXXX    Addres  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Elan Financial Services is reporting an inaccurate payment history to one or more of my credit reports. On XXXX, Elan is reporting that the account first became 30 days late in XX/XX/XXXX, but XXXX and XXXX  show the last payment was made in XX/XX/XXXX, which would put the account going 30 days late in XX/XX/XXXX. Elan has re-aged the account on my credit report by FOUR FULL MONTHS and is making the late payments inaccurately seem more recent than they actually are. On XXXX, Elan has omitted the month by month payment history from the report. The account is incomplete on that report. 

I am complaining because I first disputed the account with XXXX  and XXXX, but they responded to my disputes on XX/XX/XXXX saying that Elan verified that the inaccurate information was correct. 

After that, I sent a letter directly to Elan regarding the inaccurate credit reporting on XX/XX/XXXX. I provided them with proof of the date of last payment from my XXXX  and XXXX reports. I also sent them a copy of the dispute letter I sent to XXXX  as well as the inaccurate account reporting on XXXX. 

On XX/XX/XXXX, Elan responded to my direct dispute letter by saying they already investigated my dispute when I disputed with XXXX  and that they would not investigate. They also claimed I did not provide any new information, which is a false claim. 

In summation, Elan failed to investigate my dispute when I disputed with the credit bureaus. Elan verified inaccurate information as accurate to XXXX. Elan refused to investigate my dispute when I sent them a letter with proof of the inaccurate information. Elan also has failed to correct the information after all my attempts to get it corrected.

At this point, Elan has violated my rights under the FCRA multiple times. Elan is causing real harm and emotional distress to me by providing this false information to the credit bureaus. I have been charged exorbitant rates on a recent auto loan because Elan is maintaining this inaccurate information on my credit reports and I have been denied  other credit opportunities.
Product: Credit card

I am a user of credit card Venture XXXX  issued by Capital One ( Card number : XXXX, Biling Zip : XXXX, phone number is XXXX ). 

I am not able to transfer my points to any airline. Whenever I login to capital one portal, select View Rewards, and then click XXXX XXXX or Get Gift cards, a new page asking for authentication jumping out. After I input my cell phone number, it says system has not my phone number and I can not add this number. This number XXXX is used when I applied for the Venture XXXX  card and hasn't been changed carriers and I haven't changed my job or anything else. 

I called customer service as website suggested, and I talked with 4 agents, they told me it's a known issue and they can not do anything to help at the moment. I asked how long it will be solved. They said they don't know. I asked who can help, they said they don't know. This is absurd. If it's known issue, why don't let customers know before hands when we applied the credit card? Also, customer services can not help me to transfer points to airlines. Why? If a system is not working, why customer service can not help at all. They said this transfer can only be done by customer self. 

I can not get gift card also. The same issue.
Product: Credit reporting

XXXX mortgage. First Delinquency XXXX XXXX when the company was still XXXX XXXX. Company transferred to XXXX XXXX XXXX and XXXX reset our delinquency as XXXX XXXX. Foreclosed XXXX XXXX Credit Reporting Agencies refuse to delete the account from record despite it 's being almost eight years since first delinquency. They are now telling us we have to wait XXXX years from " last activity '' which was the last time XXXX took payment from us. XXXX is bankrupt as of XXXX and therefore not reachable. Equifax dispute number is above but all three agencies are uncooperative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX XXXX XXXX XXXX  XXXX Account XXXX : XXXX ; XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This company keeps trying to collect on a time-barred joint account which i believe its against the law. The Statute of limitations in the State of Florida is 5 years to collect. Its been almost 6 years.
Product: Credit reporting or other personal consumer reports

I had an account with XXXX and it had gone to collection. I wanted to negotiate a settlement to get it paid and removed. After speaking with someone from XXXX, who identified themselves as representing XXXX, agreed on {$340.00}. On XX/XX/24, I paid the {$340.00} and received an e-mail stating that my account with XXXX is now taken care of and my credit report would be updated. However, my credit report just shows the payment of {$340.00} but still shows open with a remaining balance. I disputed it through XXXX and provided them a copy of the e-mail and they said they confirmed with XXXX that I still owe the balance and my credit will not be updated. 

I admit I have credit challenges. My husband was XXXX XXXX XXXX XXXX XXXX and I had a XXXX XXXX which has made it diffdcult for me to manage the debts but I am trying and there is always someone waiting to XXXX you. It would be nice if someone worked for the consumer. I hope you will
Product: Money transfer, virtual currency, or money service

XXXX Original complaint about this filed on XX/XX/XXXX On XX/XX/XXXX I was notified by Venmo that there was a dispute with a payment I received and they were taking the funds back. I didn't have the funds in Venmo to cover the amount removed so I transferred the money back to Venmo immediately. I argued the dispute and the person that started the dispute canceled it altogether and her bank issued a letter on XX/XX/XXXX that the dispute had been dropped and the funds would be deducted back from her account. On XX/XX/XXXX, the funds were deducted from her account and returned to Venmo. I have attached documentation showing both of the claims. I had no idea she had canceled the dispute, so I was still waiting 75 days to hear what happened. I was contacted by the person who started the dispute on XX/XX/XXXX and was told that she had canceled the dispute and that I should have the monies owed to me. She provided the same proof I have attached for you to review. Venmo has had these funds since XX/XX/XXXX. I presented them the same attachments I provided you, and they still have not refunded me the money due to me ( {$1800.00} ), and I need it. 

I was contacted today, XX/XX/XXXX, by the sender, and they have never received the funds, and neither have I. They again provided proof from their bank that the funds were returned to Venmo after the sender canceled the dispute. The funds legally belong to me and should be sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After extensive review of my credit report, I noticed there are errors on my credit report. My consumer report will be in accordance with the written instructions given by me and I demand my report to be updated accordingly. I am aware that accounts placed for collections or charged to profit, and loss shall be excluded from my consumer report, as a result, I have not received a 1099-c from furnishers, so that I may file this charge off as income. Due to the negligence of data furnishers and Transunion, I will be filing a form XXXX of this fraud with the Federal Trade Commission and XXXX XXXX XXXX XXXX XXXXXXXX concerning the tax fraud. The companies have reported fraudulent activities on my consumer report when all these accounts were prepaid the moment, I gave the company my application with my signature. My consumer report does not include a report containing solely as to transactions or experiences between the consumer and the person making the report. I know of no late payments on any of these accounts. 
I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to my knowledge.
Product: Mortgage

I have a loan with Home Point Financial I was put on a forebearance plan and was told I could skip payments. They stopped the payments but reported me as late. When I login into the website I can not make payments or do anything else. The company is Homepoint Financial and my loan number is XXXX.
Product: Debt collection

I have a student loan that was initiated with XXXX XXXX which they serviced for 3 years. In that time frame while in school interest had been accruing without making payments. Once I finished school, I began receiving statements by mail and began making payments. After about 3 payments I received notice that the loan was going to be transferred to NAVIENT to be serviced.
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My problem is this.
1. They will not mail statements.
2. They used to provide a monthly statement online ... .That dies not exist anymore.
3. They do not provide a break down of principle and interest for each loan.
4. There is no way to reconcile my payment for said principal and interest.
5. There is no customer service. I have made numerous attempts to discuss this matter by e-mail and telephone. There is no one able to explain the practice ... .they say it is just the way it is.
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They are not disclosing interest breakdown because of the following : If you add up the minimum payments on the loans, it is not enough to cover the interest meaning that you will never make a principle payment. The affect of this is catastrophic when interest is compounding on top of interest. It takes the loan which is on average 6.5 % and increases the interest to 28 % for infinity because the principle is not reduced.
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So, am I supposed to accept that their information is correct?
This is a disclosure issue and unless I do my own math I have no idea what my payment breakdown is.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Account Information I am writing to formally dispute inaccurate information on my credit report. The account in question is listed below and contains errors that need to be corrected immediately. 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) Disputed Information : XXXX. This account was closed and should be reflected as such. 
XXXX. The balance on the account should reflect an accurate balance of {$0.00}. The account was paid off in full. 
XXXX. The account status should reflect " paid off '' and " closed. '' XXXX. Update XXXX payment dates on XX/XX/2024 to XX/XX/2024 XXXX. Update Date of Last Activity to all credit bureaus I have attached supporting documentation, including a letter from the creditor confirming the account was paid and closed, to verify these details. Please conduct a reinvestigation and correct the inaccurate information as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).
Product: Credit card

Made a {$390.00} payment on XX/XX/XXXX from my XXXX  XXXX  account. The {$390.00} was taken out of my bank account on XX/XX/XXXX. I have always paid my balances as they post to my account as I do not spend money I do not have. I use the store card solely for reward points purposes. 

They are holding my {$390.00} until XX/XX/XXXX. 
This hold time is extremely excessive. As of XX/XX/XXXX I had a statement balance of $ XXXX. 

I have a rewards balance of {$94.00} available. I made a purchase with these rewards points and they even went as far as canceling that order. So I am not allowed to spend the funds I have earned on the card while they are allowed to take money out of my bank account and simultaneously decline my access to use my credit card.
Product: Debt collection

I have sent a ID Theft letter and police report several times to this credit lender and they refuse to remove this debt that was involved in identity theft and are attempting to collect a debt that was involved in identity theft. The credit card was opened in the name XXXX XXXX. I have never used the name XXXX XXXX. My birth name is XXXX XXXX XXXX. I have never resided at the address in XXXX XXXX that is on the credit card application.
Product: Credit card

The company denied my application for a credit line for credit report discrepancies on XX/XX/2023 and other multiple occasions. Pursuant to the Truth in Lending Act, I should be allotted the same opportunity as someone with a perfect credit score. Pursuant to the Federal Reserve Act Section 16, in no event shall the amount applied for using collateral security be less than the amount requested.
Product: Credit reporting or other personal consumer reports

I'm so tired of Equifax screwing up my closed credit accounts. Every closed/paid account they're misreporting information and getting everything wrong! This is not brain surgery or rocket science! It's credit reporting that the CREDITOR reports accurately to you and YOU EQUIFAX keep screwing up!!!! The attached is a car loan that was paid off with a trade in, in XXXX XXXX. Yet you're now reporting it as " too new to rate ''! WHAT????!!!! This completely inept bureau has recently been sued by the CFPB for $ XXXX for this very thing! Their stupidity astounding and is not my problem, and I refuse to explain away their errors on my report! Enough is enough! I plan to do everything I can to get the CFPB to continue suing you, and to make sure every creditor out there drops you like a hot potato, because they too can be sued by the CFPB and consumers for YOUR inability to accurately report info on something as simple as a credit report! Year over year you've gotten worse with time! There's simply no excuse for it and it's time to put you down like a XXXX XXXX
Product: Student loan

I have two major issues : 1. Despite numerous attempts to consolidate all my loans under one company, I have been unable to do so. 

I have {$270000.00XXXX under Navient ; and three separate loans for {$24000.00} under Nelnet and one for {$3400.00} under Debt Collection.  The reason I did not originally include these other loans under Navient initially is that I was advised by a Navient customer service representative that these loans would not qualify for an Income-Driven Payment Plan request once the consolidation was completed. I was later told by a separate customer service representative that this was not correct information. At any rate, I am unable to modify the consolidation to included these items and the separate payments I am being requested to pay is going to be very XXXX over time. 

2. Navient 's determination that I am able to make 9 payments of {$1500.00}, 124 payment of {$2700.00} and 9 payment of {$1700.00} from XXXX until XXXX is incredibly unrealistic and will lead me to bankruptcy. 

Despite numerous attempts to select a reasonable monthly payment of approximately XXXX XXXX monthly given my income and financial obligation -- the payment schedule they send me does not truly take into account my REAL discretionary income. Their definition for discretionary income is income which exceed 150 % of the poverty guidelines. In XXXX the poverty level for a family of three is {$37000.00}. If you multiply this number by 150 % they are saying that I have approximately {$58000.00} in discretionary income given that my gross salary is {$100000.00} annually or {$4800.00} per month. So totally, not the case.
My net pay per month is {$4700.00}.
My monthly expenses are approximately {$4100.0XXXX. See below : XXXX XXXX {$2400.00} XXXX XXXX {$70.00} XXXX {$280.00}  XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$140.00} XXXX {$280.00} XXXX {$160.00} XXXX XXXX XXXX {$70.00} XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$72.00} XXXX XXXX XXXX 1 {$100.00} HXXXX XXXX XXXX 2 {$25.00} Total XXXX These two items are taken from my gross income XXXX XXXX XXXX$410.00} XXXX XXXX {$73000.00} Total {$5200.00} Please keep in mind that food, gas, car maintenance, etc. are not even included. 

I NEED HELP!!!!! No one at Navient is listening or seems to care. I do not want to file for XXXX but may be headed down that path if I can not get the REPAYE payment plan of {$620.00} per month which was offered when I completed the electronic Income-Driven Payment Plan request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Fraud Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, address, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit card

This is a follow-up complaint regarding CFPB Ref No : XXXX. I am concerned about the lack of response to my question regarding why I am being held responsible for interest charges and late fees while, according to your statements, my fraud claim is still under investigation. 

Firstly, there appears to be an error in the companys communication. The investigation into the fraud claim was reopened on XX/XX/XXXX. On that same day, I had a conversation with your team lasting XXXX minutes and XXXX seconds. Additionally, on XX/XX/XXXX, I contacted the bank twice, first at XXXXXXXX XXXX and then again at XXXX XXXX. Despite these interactions, I received an email on that same day wrongly stating that the previous decision regarding my claim still stands. This email, as your team explained, was erroneously sent by an automated system, and the reason for its dispatch was not clear, BECAUSE the claim was under investigation, as their record showed. 

Secondly, it is perplexing that I am being held responsible for charges currently under investigation. The inability of your team to furnish any details regarding my claim forced me to engage an external investigator to acquire more information, which only added to the delay of the investigation. Had your team provided the necessary evidence and a clear explanation of my supposed liability earlier, this matter might have been resolved more swiftly. According to a conversation with your team, they had not even properly investigated my prior fraud claims. Now, with the investigation prolonged, I fail to understand why I should bear the consequences of your teams oversight.