23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV/Resurgent is XXXX again continuing to violate the FDCPA requirements for validating the alleged debt ; the most important being the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ). My original Debt Validation Letter lists this request, as well as requests for a letter of assignment from the alleged original creditor ( evidence that the collection agency owns the alleged debt ) and the exact calculations supporting the alleged debt amount. Again, they continue to ignore these XXXX specific requests. LVNV/Resurgent lacks sufficient information and belief in order for me to admit or deny this alleged debt. 
In addition, LVNV/Resurgent fails to state a claim upon which relief may be granted and that their claims are barred by the doctrine of laches and the principle of waiver. Until LVNV/Resurgent provides the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ), their basis is on a contract that is an adhesion contract and a contract that is illusory and therefore unenforceable. And where is the calculation of interest? The calculation stated in their response is usurious or based on a rate that is greater than allowed by law. 

I respectfully ask LVNV/Resurgent XXXX again to provide the XXXX specific items noted in this response and again following : - the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ) - the letter of assignment from the alleged original creditor ( evidence that the collection agency owns the alleged debt ) - the exact calculations supporting the alleged debt amountIn closing, I would like to publicly invoke the Doctrine of Unclean Hands as LVNV/Resurgent acted in a dishonest or fraudulent matter with respect to the dispute at hand in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the XXXX dealership and applied for a car loan and they said they were only going to do XXXX however it was 8 more unauthorized hard inquiries 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

I had credit cards with XXXX and XXXX XXXX XXXX. XXXX agreed to take a settlement, but agreed to remove any negative info off my report if I paid the settlement. I paid, but they left the late pays and settlement status. I felt they lied to get me to pay and now they wo n't discuss it. XXXX XXXX XXXX helped me by setting up a payment plan. They advised everything would report Paid as Agreed and no late pays. However, I still see several late pays on all XXXX credit reports. I 've since paid off B of A in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. This is me filing this complaint and no one is filing this for me. This complaint is for misleading false credit reporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two hard inquiries hitting my credit report that I di not authorize. 

1st XXXX XXXX, PA XXXX ( XXXX ) XXXX 2nd XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year> & XXXX Date of Inquiry XX/XX/year>
Product: Debt collection

This company double dips. They bill the insurance and the customer for the same thing. If the customer doesn't pay, they instantly send them to collections regardless of any proof provided. There is a clear history of this. Look at their XXXX reviews. PLEASE investigate them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed the paper Annual Credit Report Request. I have received XXXX and XXXX. I have NOT RECEIVED my report from Equifax as required by law. I would like to receive it. 

Equifax sent a letter requesting information ( Copy of Social Security Card, Utility Bill, same info in the original Annual Credit Report Request ). 

I sent the requested information via XXXX XXXX  on XX/XX/year>, received on XX/XX/year>. 

Since then I have heard nothing and have yet to received my credit report. 

Can you get this company to comply with the law and provide my report.
Product: Debt collection

This company Eastern Account Systems randomly appeared on my credit report in XXXX stating I owed approximately {$2500.00} to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) from just a couple years prior. I did not open the account and did in fact dispute this account but apparently it was somehow verified. However, from XXXX to XXXX I was incarcerated in the glorious XXXX  XXXX XXXX  system, XXXX  to a XXXX XXXX where I live for another 2 years and then to XXXX XXXX which is where I reside today. None of the housing situations I just explained require anyone to need ANY utilities of there own or at all really. Not to mention the timeline does not allow me to open an account like this from XXXX to today. And if this account is older than XXXX its too old to be on my credit report. I have asked XXXX to take it down but from what I hear they are not easy to work with and In my situation I was basically ignored and the account remains on my report where it doesn't belong. Not to mention I was never contacted by XXXX or XXXX regarding any of this it was all a complete surprise. My attorney and checking to see if there is any legal or civil actions I can take against this company unless this report is removed in a timely manor.
Product: Payday loan, title loan, or personal loan

I took out a credit builder loan in XX/XX/2023. Terms include payments twice a month for {$48.00} plus {$19.00} a month for the account. I have made all payments on time. My last payment was due XX/XX/XXXX and it was paid as agreed. My next payment is due XX/XX/XXXX. Today is XX/XX/XXXX and my loan is shown as late. I contacted Moneylion and was told they will not report my account as current unless I make an additional payments outside of my terms even though one is not due and I have made all payments as agreed. 

They state because I tried to make additional payments to pay it sooner and their system was non working properly at the time, I will have to make more manual payments that are not in my terms or conditions as their system cant report it as current even if it is. 

In addition to these new payments inbetween the agreed payments that are currently directly withdrawn each month, I appear to be penalized for no reason due to platform errors that they will not or can not resolve. 

I already pay Membership fees in the Credit Builder Plus program that cost me {$19.00} per month. I had to pledge securities in their Credit Reserve Accounts as collateral for the loan and can not terminate the advisory agreements or withdraw funds in the Credit Reserve Account until the loan is paid off in full. I borrowed {$1000.00} but was only given {$400.00} and the rest is held still by them. Terms state I can pay off the loan in full early at any time without penalty and may use the funds in their Credit Reserve Account to do so, yet their platform has several isssues so payments and activity get stuck on the screen or frozen and then Im penalized despite having no control in it.
Product: Debt collection

I DONT KNOW WHO THIS ACCOUNT BELONGS TOO BUT ITS NOT MINE SO PLEASE DELETE IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still letting XXXX XXXX XXXX XXXX on my Credit Report I want it Removed I worked for them over 15 Years
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts : 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Credit card

I had some fraud activity on my account back in XXXX of XXXX I was disputing with XXXX card services, I believed it was resolved but in XX/XX/XXXX I received a card from Ally bank with a new credit card? I open the envelope and I activated the card and turned out ally bank now owned my XXXX account but it had a {$800.00} balance? So I called ally bank to find out what this card balance was and was told it was rolled over from XXXX bank? So I explained what had happened with the fruad and they started a dispute & credited my account on XX/XX/XXXX fir {$550.00}? Which did not include all the late fees that they added for not making payments, I called and explained why I was responsible for the fees when I believed the XXXX  account was closed or resolved because I did not get any correspondence from any of the banks until XX/XX/XXXX 9 months later?? Now I open the app to check if this has been resolved & it says I currently have no open accounts with ally bank? So they resolved my fraudulent charges by closing my account? Charged off?
Product: Student loan

I currently have a Unsubsidized Consolidated Loan with Navient. I took the standard 10 year repayment term and have been paying by automatic bank drafts every month. I have never been late and have made extra payments to my loan in order to pay off this loan early saving myself approximately four years in interest payments.

In the past I have felt, as has been alleged in charges filed against Navient, that they have never acted in my best interest. I always came out on the wrong end of the stick so to speak.

I have managed to repay this loan and can potentially pay it off within the next 16 months saving me a large amount of interest and time in terms of the length of the original ten year repayment term.

Navient, now curiously that the 0 %, interest has been offered by the Federal Government, wants to increase the length of my loan. I had strategically been increasing my payments in order to take advantage of the 0 % government mandated change to Federal loans in repayment ... of which my loan qualifies.

Navient now wants to extend my loan repayment timeline, stating they NOW notice that there is a much shorter time line, based on the payments I have made, for the loan to be paid off. That of course from my perspective is the point. That was my intent all along. I did not request any change to my loan agreement. Frankly, I suspect Navient does not seek to act in my best interest. They have never acted in my best interest in the past.

I have sent an email on their internal email site asking them to explain how does what they are suggesting, increasing the time for repayment, help me? I fail to understand how what they propose helps me at all. I did not ask them to change the terms of my loan and demanded that they leave my loan alone and uphold the terms of my original agreement, unless they can show exactly how I can benefit.

I am concerned that other Navient clients in the same position fortunately that I am, may be taken advantage of by Navient, with clients wanting to use the 0 % interest rate to their advantage.

They did not seek to make any changes prior to this 0 % interest rate. They were happy to charge the exorbitant 6 %. Now why the rush? I suspect it's because the rates are now in the borrowers favor to take advantage and significantly move towards paying off their loans.
Product: Checking or savings account

Hello CFPB, I am reaching out back regarding the case ( XXXX ) I submitted about Robinhood Markets refusing to release my funds even after forcibly selling my shares without my authorization up until this day. 
Robinhood Markets claims there were transfers into my account from both the Ohio and New York Department of Labor ; hence, they won't release my funds. I will emphasize again that I had money already invested in my Robinhood trading account, which my bank statements have proven, and the fact that they are coming back saying some funds were in my account doesn't prove the money in the account doesn't belong to me. It's my account, and I'm fully responsible for what I do with and in my account, which is the sole purpose of trading stocks until Robinhood took that away from me. Also, the fact that it's been years since this account was closed and no one has come out to claim any missing funds should tell you the funds in my accounts are clearly mine. Robinhood is using this tactic as a means to hold onto my hard-earned money, which I toiled to get by serving this country in combat tours protecting this country. Why is my account closed and my funds still held up? This is clearly bullying and cheating. I need my money and I will not stop making noise until I get my money back. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their failure to provide investigation details about a disputed account on my credit report. The account in question, XXXX XXXX XXXX XXXXXXXX  has been reported by a debt collector who is not the original creditor. I have no record of signing any contracts or agreements with this debt collector, nor have I received any documentation verifying the legitimacy of this account, including an original contract or other evidence of my obligation to pay. I previously submitted a dispute to Experian regarding this account, requesting that they investigate its accuracy and provide evidence of the account 's validity as required under the Fair Credit Reporting Act ( FCRA ). Specifically, Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] of the FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputes and provide the results of the investigation, including any supporting documentation, to the consumer. Experian has failed to comply with this requirement by not providing me with the investigation details or verifying the validity of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 an investigation has not been opened for XXXX XXXX, XXXX XXXX  and XXXX XXXX. Also, a unknown account is listed with XXXX with account XXXX with NO ORGINAL CREDITOR LISTED, how am I suppose to know who this is this needs to be removed immediately. At this point being that an investigation has not been opened and my disputes is steady going unrecognized it has passed the timeframe and now needs to be removed you are clearly violating FCRA guidelines with tiimeframe to investigate and reporting inaccurate, erroneous information. Attached is proof of the disputes that were sent in along with proof of my identity. Please consider this my written authorization. 

Thank You
Product: Mortgage

This balance from SELECT PORTFOLIO SVCIN XXXX was paid to the company who stated they would verify as paid in full with your bureau. No update was made. This company has engaged in deceptive practices and violated the Fair Debt Collection Practices Act by reporting a balance on a paid in full and closed account. Please prevent this item from reporting.
Product: Mortgage

CitiMortgage INC has continued to report this incorrectly for years!! All of the late months they report, we were in the Loan Modification program, Harp, Hat something!!! Payments were made each month to their specifications and certified sent by mail! They too almost two years to get this done and then when they finally got us into the program, the terms were different on the loan and if anything changed on the mortgage, if we wanted to sell, they had to approve and I could not rent it!!! My husband died suddenly in XXXX 2011, just a couple of months after getting the reduced interest loan!! He was the soul support of the family and there was no way I could afford on widow 's benifits to stay in the home. I turned it over to the Bank and moved out! I offered deed in lieu of and never have heard from them again!! I want this reporting corrected/changed as this is not true!!!
Product: Credit reporting or other personal consumer reports

I disputed the attached accounts on XXXX XXXX XXXX XXXX  I have not been notified if results, even though some of their remarks stated the bureaus received. I am requesting an investigation regarding errors that are listed on my credit report. The investigation should take place to ensure these items are correctly reporting. I have attached proof to show they are in fact NOT reporting correctly. They are showing to be in Account not disputed status, yet again have remarks of being investigated. This is a violation of my rights under the FCRA. 

XXXX  - showing 30 day late status on paid account on XXXX, but is showing on time and current with XXXX. No last verified date, showing in account not disputed status. 

XXXX XXXX - paid collection should be removed due to full payment. Pay to delete agreement was put in place but clearly was not withheld. No last verified date, showing in account not disputed status. 

XXXX - No last verified date, showing in account not disputed status. Inconsistent last date of activity XXXX XXXX  - No last verified date, showing in account not disputed status. Inconsistent last date of activity & open/closed account status inconsistent XXXX XXXX XXXX - Inconsistent last date of activity, No last verified date, showing in account not disputed status XXXX XXXX - No last verified date, showing in account not disputed status. inconsistencies in closed/open status
Product: Debt collection

I have never heard of " LVNV '' or the purported original alleged creditor. I do not owe them any money whatsoever. I am, and have been, the victim of identity theft. When I saw their derogatory entry on my credit report on XXXX XXXX XXXX  I took immediate action by filing a dispute there, with the bureaus, and with " LVNV. '' That's why I am shocked to receive a notice today from " XXXX '' that " LVNV '' has not been removed from my " XXXX '' report. It makes me think that " LVNV '' is predatory and may have lied to " XXXX '' about this alleged account, but this is only a theory and my opinion. " XXXX '' likely contacted them ( " LVNV '' ) when prompted by " XXXX '' and that was it ; there seems to be no real investigation. I have never been contacted by " LVNV, '' and when you look them up, their ratings and reviews are not good. Nevertheless, because I know I am in the right, I have written to them. Can you please help me? Thank you!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX FOX COLLECTION CENTER XXXX XXXX XXXX XXXX, TN XXXX PH # ( XXXX ) XXXX Subject : Request for Validation of Debt Dear, FOX COLLECTION CENTER I am writing in response to your recent communication regarding an alleged debt. As I am currently unaware of this particular debt, I would like to request validation in accordance with 15 USC 1692g, which requires you to provide specific information about the debt.

Please send me written verification of the debt, including the following : The amount of the debt.

The name of the creditor to whom the debt is owed. A statement that confirms I can dispute the validity of the debt within thirty days of receipt of your notice.

A verification or copy of the judgment against me, if applicable. The name and address of the original creditor, if different from the current creditor. Additionally, if you believe you provided me with proper notification, please send me a certified receipt with my name and signature. Thank you for your prompt attention to this matter. I look forward to your response. 

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

Equifax failed to send me verification of a collection agency according to section 609 of the FDCPA. I want them to obey the law and remove the item ( XXXX XXXX XXXX  ).

According to Disclosures to consumers [ 15 U.S.C. 1681g Equifax is in violation of said section.

If they can't produce any/all evidence of collection agency, they must remove it from my file.
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX 3 transactions were made in the amount of {$67.00}. 1 of them was blocked by cash app because the repeat transaction showed evidence of an u authorized transaction. Upon recieving the notification, I contacted customer support at which they responded at XXXX. XXXX told me that I have to wait for the transactions to be completed when I asked him to block the transactions as they were unauthorized. After waiting I contacted them again and contested the transactions. After a week I was given my money back. After two more weeks my money was reversed and given back to cash app and they claimed that the transactions were actually authorized by someone I know or my self. They said if I wanted to request the documents used in this descion. I requested them. Upon review of the documents I noticed two things. One is the merchants website they used to say were said transactions were made. When I attempted to communicate with this merchant. I typed the website in my search browser to be met with a warning from my firewall that this website is a malicious website and may attempt to steal my information.i was confused as to why cash app would even put this hazardous website on there and let alone claim I purchased from it. The website was clearly fake. I messaged cash app and explained how there specialist listed a false website as a merchant and to why he was allowed to do so. I was met with a repetition of an automated email stating that everything in the documents is true and that they are sorry this is not the outcome I wanted. I dont understand why they didnt actually investigate and look up these things they sent me. They put me in the same danger that I was just trying to fix. When I reviewed the IP address on the documents. It shows a address with a different city instead of my own. This concern cause me to show cash app these details which will prove I did not make the transactions. Instead they just send me the same automated reply that they are sorry this is not the resolution I desired
Product: Student loan

I defaulted on my loan payments due to unfortunate circumstances. There was no option for a forbearance or deferment or even a lower payment option. My loan has now been accelerated and sent to collections. The servicer made no attempt to call or email me to resolve the issue and every time I contact them there is an extremely long wait time and when I opt for the call back feature I never receive any type of call back. I can not afford to pay the entire accelerated amount and am willing to establish a payment schedule with auto repayment from my bank account.