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

THIS IS NOT A DUPLICATE Im resubmitting this complaint against Experian, XXXX, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed on my credit report are inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

i just want this loan cleared off my credit report i was told it would be updated to a XXXX balance on XXXX XXXX XXXX. I call again this morning and they tell me i have to wait another 30 days even though i paid it off on the XXXX of XX/XX/2023.
Product: Credit card

I took my truck into a repair shop on XX/XX/year>. The company replaced XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After picking the vehicle up I noticed something wrong immediately. When I turn the wheel it no longer returns to center. Took the truck back multiple times and kept being told nothing was wrong ( even though the truck drove better with all the old parts ). That said I took it to another shop on XXXX to have the same parts replaced. XXXX drives fine. I paid both repair shops with my Discover card. After submitting a dispute with Discover and providing all paperwork provide by both shops they denied my dispute because the initial shop provided paperwork saying my truck had a bent axle ( to date I have still never received a copy of this information from Discover ), which was never communicated to me verbally or in writing. If that was indeed the reason my truck wasnt driving right how was the second shop able to fix the issue by replacing the same exact parts ( upper and lower ball joints and drag link ) and never mentioned anything about a bent axle. I can provide copies of all paperwork from both companies. Like I stated above the initial repair shop did not inform me of anything wrong with an axle in multiple visits to the shop to rectify the issue.
Product: Credit reporting or other personal consumer reports

Sent a demand letter to company requesting verificaiton and validation of debt that they are reporting as mine., I also submitted a dispute through the credit reporting agencies. The reporting agenices were XXXX, XXXX, Experian. They were made aware that the debt that was reported was not mine and that I did not open the account, that i did not authorize anyone or party to open hte account. That I did not benefit or will benefit in anyway from the account. I also made them aware that I notified the company / reporter of this debt to send me any and all verifciaiton and validation documentation ( including but not limited to my agreement to the obligation to this debt. They were also made asware that In revceived no repsonse from said companyt. All three credit reporting agencies came back with no change in my report ; however, nothing else was given in regards to verifcaiton and validation documentation. Company will not provide any information showing that this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was told by us bank credit card that i was under covid 19 with them. i was under the understanding of covid protected your credit score with no negative report and payment was differed or ok not to be paid. well come to find out that all their covid was to prevent late fees. the lady I've been dealing with for at least three months said she has no idea how us bank is reporting account to credit bureu. never was there anything mentioned about this being reported as a missed payment now that I've found out what they have done it has destroyed my credit. this is wrong and misleading info that they give on the phone. this is no help and these people that work their lie about they know nothing about how these covid cases are handled and reported to the bereu
Product: Debt collection

This company has a number of accounts they have been contacting me about. The accounts have my name but I have contacted the banks who issued these credit accounts but the banks verified the social security number does not match my social security number. I have contacted this collection company via email, fax and US mail  alerting them to this. The company responded to two of the accounts after I filed disputes with the three major credit bureaus and closed those collections because the credit bureaus were able to match the social security did not match. This collection company has four additional accounts open in collections that are not mine. After alerting this company of this they refuse to verify the social security number and continue to contact me via numerous phone calls and mail. Portfolio recovery associates have contacted me from thirty-two different phone numbers over the past four months. Even after being contacted that these accounts do not belong to me and to please verify the social number they have refused to listen to me and continue to harass me. They have also filed two civil actions in court under my name but wrong social security number.
Product: Checking or savings account

I rented a car from XXXX XXXX. On the XXXX of XXXX. I paid XXXX for the week in advance I returned the car a week later. I was told I owed nothing cause I paid in advance. 3 days later XXXX charges my card XXXX without my authorization because the contract was void because I returned the car. I went to XXXX XXXX XXXX and filled a dispute on the XXXX. They came back and said the dispute wasn't in my favor because I filled the dispute while still in possession of the car and that's no way true because I have all the proof.
Product: Debt collection

I receive numerous calls from ( XXXX ) XXXX with a recorded announcement about student loan debts. I believe it may be from a company called Navient. I do not have a student loan, but I was a personal reference for my sister in law about 20 years ago. 

In the past I got calls from an actual person and I asked multiple times to be put on their no-call list, but I still get daily calls. 

I've called the number and reached a person, but when I tell them that I don't have a debt in the system and want to ask questions about why I'm getting these calls, they hang up on me.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Account Reporting and Demand for Resolution XXXX, Transunion, XXXX Consumer Relations, I am writing to dispute the unquestionable inclusion of unauthorized late payments on my consumer report related to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account. This blatant violation is severely impacting my creditworthiness and constitutes a grave breach of privacy. 

Under the Fair Credit Reporting Act ( FCRA ), a person is explicitly defined as any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ( 15 USC 1681a ). There is no room for interpretation here. Furthermore, 15 USC 1681a ( 2 ) ( A ) ( i ) of the FCRA unequivocally prohibits the reporting of transactions between the reporting entity and the consumer. This is not a potential violation ; it is an unmistakable breach that must be rectified. 

Even in the case of a permissible purpose, the consumer 's consent is mandatory, as dictated by 15 USC 1681a ( 2 ) ( A ) ( i ). I emphatically assert that the late payments are unverifiable due to my explicit lack of consent and the clear violation of the aforementioned legal provision.

This dispute is also grounded in the following North Carolina laws, which do not allow for ambiguity : 1. North Carolina Identity Theft Protection Act ( N.C. Gen. Stat. 75-60 et seq. ) : This law directly addresses identity theft concerns and is unequivocally relevant to the unauthorized reporting of information affecting my credit.
2. North Carolina Consumer Finance Act ( N.C. Gen. Stat. 53-171 et seq. ) : This statute, without question, regulates consumer lending and provides unambiguous protections regarding the reporting of inaccurate or unauthorized information. 

I am not presenting this as a potential issue, but as a clear violation of both federal and state laws. I demand, unequivocally, that XXXX, Transunion, and XXXX rectify this situation within 30 days from the receipt of this complaint by updating the account to " paid as agreed '' with no late payments. Failure to comply within this timeframe will be perceived as willful noncompliance, and XXXX, Transunion, and XXXX will undoubtedly be held civilly liable for such a blatant offense. 

These disputes are not speculative ; they are grounded in the following federal and state laws : XXXX. Fair Credit Reporting Act ( FCRA ) : Specifically, the definition of a person under FCRA ( 15 USC 1681a ) and the unequivocal prohibition of reporting transactions without consumer consent, as outlined in 15 USC 1681a ( 2 ) ( A ) ( i ).

2. 15 USC 1681s-2 : This section explicitly outlines the responsibilities of furnishers of information to consumer reporting agencies and mandates the accuracy of the information provided. 

I demand your immediate and unwavering attention to this matter and expect that you will take the necessary steps to rectify this undeniable violation in accordance with both federal and North Carolina laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion to investigate a faulty lien on my credit card. They failed the first time so i had them redo it. They needed my credit card for monitoring. Now they are charging me {$30.00} a month. I tried to cancel on their website and as soon as I try they log me out of my account and said my log-in information is incorrect. Then it prompts me to reset my password. I would have to call and wait on hold for hours for them to fix this.
Product: Student loan

On XXXX XXXX, XXXX my wife and I went to obtain a pre qualification for a mortgage. Once our credit reports came back, I noticed immediately there were reports of delinquent payments from Navient on my credit. I knew for a fact that I have never missed a payment with Navient, nor have I ever made a late payment. After finding out this surprising information I checked my account history online at Navient 's site. My account history goes all the way back to XXXX, XXXX and shows not one single missed or late payment. 

On XXXX XXXX, XXXX I decided to call the Navient customer support line to get this issue resolved. I spoke with a XXXX ( Representative Number : XXXX ) who confirmed that my account is and has always been in good standing. XXXX also noted that my account shows no late or missed payments, thus proving that I have been incorrectly reported to the Credit Bureau. XXXX explained to me that the only way to dispute this would be to write a letter to Navient 's Credit Dispute Department with a copy of my credit report showing the negative marks and any proof I had that this was a mistake. Unfortunately, XXXX also stated that there is no phone number, email or fax number to contact the Credit Dispute Department at Navient, or anyone at Navient headquarters. Naturally, I was dumbfounded by this. How can a company have no phone number, email or fax line? This obviously raised a lot of red flags for me. The next day I sent a certified letter to the provided address for Navient 's Credit Dispute Department and sent along my credit report and proof of all my on time payments. 

On XXXX XXXX, XXXX I received a response from the Credit Dispute Department in my Navient Account Inbox stating that " the information we 're reporting to the consumer reporting agencies is accurate and that no corrections are warranted ''. This left me pretty enraged. I has proof directly from their website showing no missed or late payments and even had an employee of Navient state that that my account is and always has been in good standing. On top of this, I also became very concerned that Navient provided me with no proof of these apparent delinquent payments. All that was given to me was a letter saying basically that I was wrong.
Product: Money transfer, virtual currency, or money service

Company : Crypto.com I requested why my XXXX deposit hasnt processed when their website and app says it can take up to XXXX business days. At the time of this complaint its been 9 days. 

Submitted instant deposit for {$900.00} on XX/XX/XXXX. 

Also did another instant deposit for {$100.00} on XX/XX/XXXX. Purchased XXXX  with my {$1000.00} in XXXX deposits. 

Decided to sell my XXXX  for USD, now I cant withdrawal my USD because my initial instant deposits from XX/XX/XXXX are still pending. Their website and app says it will take no longer than XXXX business days. Its been longer than XXXX business days as I am writing this. This has caused me financial hardship as I am not able to invest that money in other ventures. Dont advertise deposit times if theyre incorrect.
Product: Mortgage

This is about Select Portfio Services House burned down and insurance sent me a check for the anount of the payoff quote. Requested a payoff quote and received the same day. Quote good for 30 days. Sent payment in full and lender received it BEFORE 30 days ended. Called to check on it and was advised that the check was " lost ''. It was lost for 2 or 3 weeks than it was found. Now they won't honor payoff because the say I have to pay interest for all this time it was lost. I have a ups label that states it was received before deadline and XXXX signed for it. They won't refund so they just put it it escrow. Check has payoff mortgage and loan number written on front. We keep getting the run around and they say there's nothing they can do. I have an appointment soon with a lawyer to see what I can do. It's a XXXX shame they can't honor their quote and have to try for more money. It's not my fault they lost the check.
Product: Credit card or prepaid card

I submitted a complaint to the occ it had been said by XXXX XXXX XXXX now XXXX XXXX that a faculty member tried to open a credit card with cap one using my information years later I wasn't immediately notified and the police wasn't called to my knowledge I was given a letter by a department store card Neiman Marcus that a payment had been made however cap one was deceptive to the cfpb by not indicating what the limit was ( credit limit ) and how much charged off {$30.00} said by an in law over and over again the account had been paid in full and reported to the credit bureaus all three as a charge off and bankruptcy I forgot I went to the store to pay the bill in cash {$360.00} and the credit department said it had been paid. I truedcto get a sba Loan by a lady named XXXX before covid and cap oneblockedcthat loan I llc say blessing however cap one is retaliatory and XXXX XXXX XXXX loans brought back up why? Please note numerous complaints. I receive letters someone other than myself riling complaints who? And who is this person filing compkaintscwlusing my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report. The credit report showed a credit inquiry by company ( s ) that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

I have sent this letter l because I need your prompt response to this issues. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed. 



Thank you,
Product: Credit card or prepaid card

I RECEIVED YOUR LETTER ABOUTON DATED XX/XX/2021 REGARDING MY RESPOSE. BANK OF AMERICA CLAIMES THAT MATTER IS CLOSED. NO, MATTER IS NOT CLOSED. I NEED MORE TIME TO RESPOSE XXXX XXXX ... XXXX
Product: Checking or savings account

Hello, I was assessed a {$95.00} fee on my business checking, even though I was told by my Chase banker that there would be no monthly fee for upgrading to the business platinum account. I remain concerned that Chase staff don't actually understand the products and services they are offering, and relay inaccurate information to customers.
Product: Debt collection

I was sued for a debt owed to XXXX  XXXX XXXX around XX/XX/XXXX for an amount of {$10000.00}. Through my lawyer, XXXX XXXX XXXX, XXXX, a settlement of {$6000.00} was reached. This amount was paid off on XX/XX/XXXX. On XX/XX/XXXX I was notified by my employer that my check would be garnished to pay off the remaining {$4400.00} to satisfy the {$10000.00}. My lawyer got involved once again as my checks were being garnished to pay off the debt. On XX/XX/XXXX the original settlement was honored, and the funds garnished would be coming back to me along with a note on my credit report of the debt paid off. This was pending I send a signed release form to Cooling & Winter, LLC. The form was signed and arrived at their receptionist on XX/XX/XXXX at XXXX. The credit report changes have been honored but my funds being returned have yet to be honored with no further communications returned from Cooling & Winter. The funds being returned as the pandemic hit was going to be a stress reliver for my family, but I continue to wait and wait. I am seeking that the {$4400.00} be sent to me.
Product: Debt collection

Central Financial Control Is the worst ever!! not only are they Harassing me by calling me everyday all day, but they also send me threatning letters in the mail which is another form of Harassment over an account that I have no knowledge of, or an agreement with their company over. I have never signed or agreed with any one to share my personal information and CENTRAL FINANCIAL CONTROL is violating HIPAA Privacy laws and I will be seeing them in small claims court!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial has repeatedly reported my auto loan as late although I have made the payments on time. What I have not paid - and repeatedly asked Ally to waive - are about {$1500.00} in late charges. Ally is reportedly me late - unbeknowst to me - because if these late charges and not because of late payments. My account has been paid on time for the past 24 months.
Product: Credit reporting or other personal consumer reports

Please remove unapproved inquiries on my credit report that are negatively affecting my score.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/2018, I made a Principal payment to the loan. This was after the auto-paid monthly payment was processed. PENNYMAC took out a second interest and escrow payment. I called, emailed and send a letter to the PM offices. It took some time but it was fixed and confirmed, finally, after the next months regular payment. 

T ensure PM could not misunderstand my intentions I sent a USPS Priority Mail envelope with two checks and a very specific letter inside with details on applying payments to Principal and what the final Principal amount would be after payment was applied. 

They did it again, diverted Principal payment to interest and escrow. I can't tell if this is incompetence or corruption but I need this fixed and the funds applied as intended. Banking reform and consumer protection doesn't seem to stop these folks from trying to nickel and dime folks. I have all the documents and will attach them if that is included with this submission page.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Debt collection

The representative stated I had no right to dispute : only that I had to pay a 7 year old {$84.00} bill