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

I entered into a hardship payment plan with Comenitybank/wayfair  in XX/XX/XXXX, agreeing to pay {$98.00} per month, I was told this would satisfy the account which at that time was past due less than 3 months related to covid and a job loss. The payments were auto debited from my checking account and I have never missed a payment. However, Comenity is now saying I owed more than {$98.00} per month and that is why it was " late ''. I was never informed when the hardship agreement was made of additional money due, in fact I was told, the agreement brings the account current, to begin the hardship plan, for the {$98.00} per month. It makes zero sense to enter into a {$98.00} per month payment plan, if it essentially leaves your account still behind. It was hard enough losing my job and having to call for a payment plan, the woman told me the {$98.00} was all I needed to pay per month for the plan. I was never told there would be any " additional '' amounts due, so once the auto debit was set up I assumed the account had been satisfied. However, my credit report now reflects I paid late every month I paid the auto debited {$98.00} agreed upon payment plan. This is because there apparently was additional money Comenity wanted outside of the hardship plan, or the plan was not processed correctly, I am not sure what the issue is on their end, but I know I was NEVER told anything else was due, when the agree was initiated and in the agreement document. In the beginning in XXXX of XXXX Comenity " charged off '' the account, all while I continued to pay {$98.00} per month as agreed upon. I have also never received any communications from them about the " charge off '' or who now holds the debt, although my checking account is still debited every month for {$98.00}. 

I filed a dispute through XXXX explaining all of this with documentation and nothing changed, Comenity has put " XXXX XXXX '' on my credit report for the last 8 months in a row, even though I have paid every month as agreed upon beginning in XX/XX/XXXX.
Product: Debt collection

Frequent harassing phone calls to me and family members, starting dates on XX/XX/XXXX-XX/XX/XXXX, family members live out of this state, DO not know how they got my family members phone numbers, Thank you
Product: Bank account or service

ComplaintDescription of the complaintI contact Navy Federal Credit Union on XXXX XXXX, 2015 regarding access my old account in order retrieve funds that was credit to the close account the reason for this they had told via phone several times that they can not credit the new account they have credit the old account which I do not have access to. I ask why would credit account that closed they stated that that was they policy. So today call will be see if I can have access to my account which have funds belonging I spoke to XXXX stated that I would will not be able access the account because the account is negative now I did cause the account be negative Navy Federal Credit Union authorizing transactions and hold me responiblity of Fraud Account I contact them and stated that this is a Fraud Transaction why then will I be held responible for fraud I did not do it. 

How complaint can be satisfactorily addressedThere 's alot of money coming up missing due to the lack of management of accounts and Product, Services and Navy Federal Credit Union is getting away with stealing member money a investigation is need to catch all involved with stolen money and mismanagement of member account and they should be charged and convited for all illegal handing.
Product: Checking or savings account

Charging unwarranted fees no customer service to resolve issues block just was told to pay XXXX XXXX for these same practices
Product: Student loan

I have contacted NavientXXXX XXXX regarding incorrect reporting to the credit bureaus after review of my credit file I have found there are numerous inaccuracies which is resulting in my credit worthlessness being presented in a negative affect. There are XXXX late payments that are inaccurately and incorrectly reporting. During the time period these items are showing past due I was a active full time student. I reached out to a representative in XXXX and was advised the reporting would be corrected didn't realize it was not corrected until my paycheck was garnished. And the loan was showing defaulted which again should not have been. I reached out to Navient once more and was referred to XXXX there I started working with a manager by the name of XXXX XXXX she requested that i contact my schools registrar to get a record of all your dates of at least half-time attendance. After receiving this she advised that she would be sending the information over to both Navient and XXXX funds ( who was now involved because they were garnishing my wages ) She advised that everything was updated and removed yet the information is still reporting. Below are the accounts that are still currently reporting late XXXX times to XXXX XXXX  and XXXX 

Account # XXXX Navient Solutions/XXXX XXXX XXXX Balance : {$870.00} reporting late : XX/XX/XXXX - XX/XX/XXXX XXXX Balance : {$3500.00} reporting late XX/XX/XXXX XXXX XXXX Navient SolutionsXXXX XXXX Account # XXXX Org Balance : {$1300.00} Navient Solutions/XXXX  XXXX Account # XXXX Org Balance : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and TransUnion is reporting false information on my Credit report. 
I had paid an account with XXXX and they sent a letter to XXXX  and TransUnion saying the account needs to be deleted off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Writeup : 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 Experian, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has charged my debt off and failed to provide the information I asked for. I didnt receive how much my debt was sold for. They sold my debt to multiple collectors violating my rights under the FCRA according to 15 USC Showing on my credit multiple times for the same debt. They sold my debt to Scott and Associates and XXXX XXXX XXXX. All 3 of these companies are reporting on my credit at the same time causing defamation of character.
Product: Debt collection

Dear Staff : Trak America and their legal counsel have recently submitted a notice that they will garnish wages on a XXXX debt that was satisfied 15 years ago. There was a judgment issued and my wages were garnished. In XXXX, my wages stopped being garnished. I never changed employer or left work. I assumed my debt was satisfied. Now, 15 years later, a new law firm is attempting to collect the same debt. I have sent proof of payments obtained from my employer. After numerous phone calls by my attorney, they have refused to respond to me.
Product: Debt collection

I C Systems has been unable to provide proper documentation validating this account. I am seeking immediate action and to remove this negative information permanently from my credit reports. I C Systems is in violation of the HIPPA laws. I have sent multiple letters on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, asking this company to verify this account and I have not recieved a satisfactory response. The only response I have received is a general bill asking for a payment of {$160.00}. This is the letter sent for validation of the account. 
This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/XXXX. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under the federal law. Compliance with this request is required under the laws of state and federal statutes. 
Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this amount? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or compliants with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 
In addition, the Fair Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 
I have sent a copy of the request for validation to the three Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX is still showing on my credit report, this account was settled and an old account. It is 7 years old, it is hurting my credit score and I need it deleted so I can purchase a home for myself and XXXX children.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) continues to report duplicate my closed and paid XXXX XXXX XXXX card account monthly to Transunion, XXXX and XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX 
This is an on going issue because the accounts keeps being reported fraudulently. It's bring reported more than once aka duplicated which hinders a fair Chance of increase fico score and financial help from financial institutions and creditors. As a woman of XXXX and over XXXX this is definitely a negative portrayal to be trusted for financial loans and or credit to start a possible business or get a loan to go to law school. These practice hurt and keeps the scores from ever going up. It just keeps fico scores deductimg every month.
Product: Credit reporting or other personal consumer reports

Experian on a regular basis sends " credit alerts to review '' scam emails. After clicking on the link to review the alerts it opens a web page that requests me to pay for a premium account, the web page somehow has my payment information and offers to pay with XXXX click. 
Experian does not allow to unsubscribe from these scam emails and tries to rob people with unwanted premium subscription by importunately asking to pay. The emails are sent from " XXXX XXXX
Product: Credit reporting or other personal consumer reports

The loan assumption, with XXXX, removed me from the loan in XXXX of 2023. Ive been trying to close this account on my credit report ever since. I requested a release of liability letter and that someone return my call and give me an update, no one returned my call or followed up with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX Balance {$1300.00}
Product: Checking or savings account

In XX/XX/2018, after opening an auto loan with Regions, I received an offer via email for a {$300.00} checking account bonus and an additional {$100.00} savings account bonus. I have fulfilled all requirements for these bonuses but after repeated attempts to contact/resolve the issue, I still haven't received my bonus. 

The checking account offer required me to open a XXXX checking account by XX/XX/2018, then enroll in online statements and use my debit card to make 10 or more purchases within 30 days of opening. I opened my account on XX/XX/2018 and more than 10 debit purchases posted by XX/XX/2018. I have been receiving an $ XXXX monthly fee ever since, while I try to find a resolution. 

The savings account offer required me to open a XXXX savings account by XX/XX/2018 and set up monthly automated transfers of at least {$25.00} from my checking to savings. Two transfers must be completed by XX/XX/2018. My two monthly automated transfers were completed on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

There are several fraudulent inquiries showing on my credit report. I did apply for some cards around this time, but these were not any that I applied for. 
XXXX is fraudulently reporting : XXXX ( XXXX ) on XXXX ; XXXX XXXX XXXX XXXX on XXXX ; XXXX XXXX XXXX on XXXX. 
TransUnion is fraudulently reporting : XXXX XXXX on XXXX. I have reported these to the credit card companies as well as to XXXX and TransUnion, and was told on XX/XX/31 to report the fraud through the FTC, which I have done, as well as report here.
Product: Debt collection

Debt collector calls 4-5 times in a row. Ive asked multiple times to please call after my work hours since I can not use the phone at work. The gentlemen is very rude, sends texts messages harassing say oh so now youre not going to answer cuts me off, does not let me speak and belittles me.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

( Mortgage ) XXXX XXXX XXXX - Opened XXXX XXXX, XXXX Balance {$0.00} {$41000.00} Account number XXXX ( Mortgage ) XXXX XX/XX/XXXX- Opened XXXX XXXX, XXXX Balance {$0.00} Account number XXXX ( Installment account ) XX/XX/XXXX - Opened XX/XX/XXXX There are also fraudulent inquiries that I did not authorize which are : XXXX XXXX - Inquired on XX/XX/XXXX XX/XX/XXXXXXXX - Inquired on XX/XX/XXXX XX/XX/XXXXXXXX - Inquired on XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX - Inquired on XX/XX/XXXXXX/XX/XXXX XXXX - Inquired on XX/XX/XXXXXX/XX/XXXX - Inquired on XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX - Inquired on XX/XX/XXXX XXXX XXXX - Inquired on XX/XX/XXXXXX/XX/XXXX - Inquired on XX/XX/XXXXXX/XX/XXXX - Inquired on XX/XX/XXXX XX/XX/XXXXInquired on XX/XX/XXXX XX/XX/XXXX - Inquired on XX/XX/XXXX XXXX XX/XX/XXXX - Inquired on XX/XX/XXXXXX/XX/XXXX - Inquired on XX/XX/XXXX XXXX XXXX - Inquired on XX/XX/XXXX There are some fraudulent addresses that should not be reported which are : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX My ONLY address is : XXXX XXXX XXXX XXXX, TX XXXX Balance {$0.00} Account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX and XX/XX/2021, I signed Promissory Notes with XXXX to receive a {$20000.00} PPP loan. The app in question is SBA # XXXX. The notes listed Customers Bank as the lender. I was told that it would be funded within a couple of weeks. 

The loan was never funded. When I called, emailed and chatted with XXXX, they advised that the lender is Customers Bank and that I needed to contact them. Customers Bank representatives are unable to find information and repeatedly replied that the concern is being escalated and someone will reach out. No one has ever returned any correspondence. 

On XX/XX/2021, the SBA confirmed that the loan was first dispersed on XX/XX/XXXX to Customers Bank and then was showing funded on XX/XX/2021. I have not received these monies and am unable to get an explanation from XXXX and Customers Bank. I am concerned that I will be held liable for this government loan that I did not receive. Please help.
Product: Debt or credit management

Experian refuses to correct the fraudulent information on my credit file. There are to many variations of my name on my credit file. I absolutely know my name, whom has been try to steal my identity may not. My legal name is XXXX XXXX XXXX XXXX, not what Experian has listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX regarding issues related to the reporting of my information to credit bureaus, specifically XXXX and Equifax. 

I am an account holder with XXXX XXXX XXXX. I have encountered significant problems resulting from what I believe to be inaccurate reporting, particularly in relation to a 1099-C charge. This situation has caused considerable distress as it is hindering my ability to apply for credit. For example, when attempting to secure a vehicle loan, I was informed that I needed an excessive {$12000.00} down payment. 

Despite my efforts to seek clarification and resolution through communication, specifically via an email sent on XX/XX/XXXX, and XX/XX/XXXX I have not received any response from XXXX XXXX XXXX. The lack of communication has exacerbated my emotional distress and financial difficulties. 

I am bringing this matter to the attention of the Consumer Financial Protection Bureau, as I believe XXXX XXXX XXXX 's actions may be in violation of consumer protection regulations, including those outlined in the XXXX974 Privacy Act. I request the Bureau 's intervention in investigating and rectifying the inaccuracies impacting my credit report.

I appreciate your prompt attention to this matter and request that the Consumer Financial Protection Bureau investigates this complaint thoroughly. I am hopeful for a resolution that ensures the accurate reporting of my credit information and the restoration of my financial standing also Equifax said XXXX are the the only one that keep reporting my credit.