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

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Debt collection

I lived and went to school in Washington, DC from XX/XX/XXXX-XX/XX/XXXX. When I decided to leave DC I disconnected my XXXX ( XXXX ) account and paid off and verified the account was closed in person. I was made aware that account was closed and that I owed no money. That was over 5 years ago in XXXX ( closed the account ) and XXXX ( paid the last months balance ). I recently, mid-late XXXX, received notification from XXXX XXXX that I have a collection on my XXXX credit report, and my credit dropped in the 600s. It showed that it was XXXX and that the collection account was activated in XXXX XXXX, for a total of {$340.00}, an amount I never accumulated for an electric bill. I haven't received any notification from XXXX that I had a deliquent account or an outstanding balance in the past six years since closing the account, I also still haven't received anything from the collection agency, Transworld Systems, when the account was in collections with them. Fair debt collection practices states that they are to contact me within 30 days of the account opening. I've called and left messages with my address and phone number on numerous occasions : XX/XX/XXXX ( X2 ), XX/XX/XXXX, XX/XX/XXXX ( X2 ), XX/XX/XXXX, XX/XX/XXXX. I wanted to get clarification as well as explain my experience and knowledge of the account. If necessary, to negotiate payment and work to get this removed completely from my account. I know for sure that I paid my balance and was told in person that the account was closed and resolved, so either the company continued an account without my knowledge and permission, or reopened it for that apartment again without my knowledge and permission. Representatives explained that the collection agency is located within the utility business, and while the XXXX representative would not give me details of the account she forwarded me to the collection department, which I continued to follow up with, to no avail over a month later.
Product: Debt collection

Jefferson Capital Systems [ XXXX XXXX XXXX ] [ XXXX, MN, XXXX ] Subject : Unauthorized Access and Collection Account on My Consumer Report Dear Jefferson Capital Systems, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that Jefferson Capital System has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604. Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies. This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. In addition to federal law, I want to highlight relevant sections of South Carolina state law. Pursuant to South Carolina Code of Laws Section 37-5-108, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer. Furthermore, under South Carolina Code of Laws Section 37-5-104, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance. I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, Jefferson Capital Systems promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, I expect Jefferson Capital Systems to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA. Failure to comply with these requests within the stipulated 30-day timeframe will be considered willful noncompliance a

nd may result in civil accountability for Jefferson Capital Systems , as provided under Section 616 of the FCRA. Done in good faith.
Product: Student loan

I am writing this in an attempt to have a potentially devastating financial situation from happening. In XXXX of this year I contacted a Navient representative to discuss the financial hardship I have been facing and the impact that my adjusted loan payment would have on my family. I was assured by the representative in XXXX that, due to my financial hardship, if I resubmitted my information at studentloans.gov that they would lower my monthly payment amount to {$0.00}. 

I followed the representatives instructions and was told to wait to get confirmation of the new payment amount the following month. As I was checking my e-mail yesterday I received my payment information and was stunned to find that it was not {$0.00}, but in fact {$270.00} monthly. I made a phone call during a break at work to call to find out what had happened. The representative, while pleasant on the phone throughout the process, informed me that the representative that had guaranteed a $ 0 monthly payment due to my substantial financial hardship was wrong and that I would be expected to make a payment once my temporary forbearance period ended in XX/XX/2018. 

I have worked at non-profits and for both state and county governments over the last decade and it has done nothing to help my student loan situation despite being promised that it would. I was advised today by the Navient representative I spoke with to reconsolidate my loans with XXXX XXXX to try to get into their forgiveness program. Unfortunately, I am having a hard time trusting anything that a Navient employee has told me as it has caused a fair deal of grief. I was unaware of the possibility of income based repayment being low when I had lower monthly wages and because I was advised to use forbearance and deferments I am now left in a situation, where like many in the class action suit filed against Navient, I cant use those services when I need them most.
Product: Mortgage

Home was purchased in XXXX, mortgage transferred to PNC in ~XXXX. PMI was required with purchase. When outstanding balance was at 79 % of loan I called to get steps to remove PMI. I was told that I had to have an appraisal and other steps to have it removed. Was advised it is automatically removed at 78 % of loan value. 
78 % of loan value ( mortgage XXXX ) is {$120000.00} and was met approximately XX/XX/XXXX. We have continued to pay PMI of XXXX $ XXXX despite excellent payment history. 

We are initiating a refi of the home and received notice that PMI is FINALLY being removed ( currently owe XXXX {$110000.00} ) and that we may be due a refund. According to my calculations that is 69 % of loan value - although like most real estate our home value has increased since purchase. I am simply calculating from our original loan amount not from the current value of the home. 

I called again to request clarity on the refund and expectation that it should be at 78 % value and was informed by the representative that the Homeowner Protection Act is only a guideline and that the investor ( not necessarily the same as the lender ) can create their own guidance. 
This is not my understanding. I am requesting a formal review of this as well as full refund of any moneys paid towards PMI AFTER the required cancellation. Furthermore, I am requesting that PNC review their practices which seemed to be designed to obstruct the homeowners from cancelling PMI. At a minimum PNC needs to provide clear guidance and a simplified process rather than put multiple barriers in place that make it difficult if not impossible to have PMI removed when requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Could you please check thee listed accounts below for accuracy and right reporting. I believe the acppunts below are inaccurate and its causing my credit score to be low and its taking an toll on my life. If/once you discover the mistake could you remove the accounts please. By law all inaccurate accounts has to be removed 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 XXXXXXXX XXXX # # XXXX XXXX # # XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXXXXXX XXXX, XXXX XXXX SC XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates that you delete any inaccurate accounts from my credit report. Could you review the documents? Some of the listed accounts have mistakes in reporting, with wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

Your vendor sought me via XXXX, but I never went through her website. She was never licensed to perform the service and caused me distress. Affirm has defrauded me by not researching vendors or looking at how I was solicited and the effects of that. 


In the realm of beauty transformations, I embarked on what should have been a confidence-boosting experience, trusting XXXX XXXX of XXXXXXXX XXXX the XXXX XXXX XXXXXXXX, and XXXX XXXX with my hair. Little did I know, this journey would become a distressing saga of deception, incompetence, and emotional turmoil. Excitement filled me as I handed over {$870.00}, anticipating a transformative hairstyle promised by XXXX XXXX. She solicited me on XXXX, not via website. What transpired, however, was a far cry from the enhancement I envisioned. XXXX, lacking a proper license, executed a technique that didn't enhance but brought out the worst a significant loss of my precious hair. Attempts to address the fallout were met with resistance. XXXX, instead of owning up to her shortcomings, blamed the natural texture of my hair. Shockingly, XXXX discrimination tainted our interactions as she callously asserted that XXXX textures posed greater challenges, a baseless and hurtful claim. In the aftermath, it became evident that XXXX XXXX, aware of her incompetence, had willingly taken my hard-earned money. It was a betrayal that extended beyond physical distress to financial exploitation. I had trusted in her expertise, only to discover she was ill-prepared for the task. The consequences weren't merely physical ; they plunged into the depths of my emotional and psychological well-being. Strands of my hair falling out in public became a source of immense embarrassment, and the quest to conceal the aftermath demanded constant effort. The pursuit of justice became a personal mission. Hours of research were invested to unveil XXXX XXXX 's true identity and expose the lack of a license. This XXXX, who operated under a guise of professionalism, had deceived me and exploited my trust. Efforts to secure a refund proved futile. Deceptive links and contractual language were employed to deny me justice. The financial strain escalated as I sought relief for ongoing hair restoration treatments, new styling costs, and the work disruptions required to rectify this unjust situation. Affirm/XXXX XXXX is using deceptive practices to gain consumers. They are also not checking the validity of the customer ( misrepresentation ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The I signed up on website XXXX to obtain credit score for a loan. After obtaining the information I called to cancel the subscription so next pay period I will not be charged. They were given my bank details. When I called to cancel the guy was still trying to push for me to keep the account and sell coupons. This made me aware that this may be a fraudulent company. I told him no to cancel and he did. I received a confirmation number. Now today XXXX the hoax company is trying to charge my card. I look up the address on the website and it shows a research lab not a credit review company.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX XXXXXXXX Late Payment {$6700.00} XXXX XXXX XXXX XXXX XXXX Payment {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Payment {$0.00} XXXX XXXXXXXX Late Payment {$350000.00} XXXX XXXX Late Payment {$260.00}
Product: Debt collection

I was contacted in XXXX XXXX by XXXX XXXX XXXX, a collection company contracted by Security Credit Services , LLC to collect on a debt of {$1600.00} that originated from a fraudulent line of credit at XXXX XXXX. This line of credit was the result of identity theft that took place on XXXX XXXX, XXXX. 

I faxed a copy of the police report and a personal statement saying that the debt is fraudulent to XXXX XXXX XXXX on XXXX XXXX, XXXX. After I sent the fax I followed up by phone to XXXX XXXX XXXX who told me the debt had been marked as fraud and there was no further action needed on my part. 

On XXXX XXXX, XXXX, Security Credit Services , LLC reported the collections account to XXXX and XXXX and is now on my most recent credit reports. 

At no time has anyone from Security Credit Services , LLC tried to contact me. I 've attempted to contact Security Credit Services , LLC by phone and email and have not gotten a response as of XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This year I fell behind on my mortgage with Shellpoint Mortgage Servicing/ NewRez and was told I need to go on a repayment plan. My payments went from $ XXXX/month to XXXX XXXX/month. When I started this repayment plan, I put over {$6200.00} down to show I was trying to get caught up. However, they're now saying they have no record of that payment and there has been no money put towards my escrow during this time of my repayment plan, which has resulted in over {$18000.00} in negative escrow due. 
I made all of my payments on time until XXXX. I called to make my normal payment, because I can not pay online or via phone. ( I have to speak with a rep every month. ) And when I called to pay {$1700.00}, they told me I owe over {$5000.00} on that month because my insurance fell through, and they put me on lenders placed insurance. Nobody told me I my insurance had fallen through, or anything was wrong with my account any of the previous months. I immediately got that fixed and was told my payments of {$1700.00} would resume. I requested an itemized list of every charge on my account and have not received it. I also, requested an outline of the " insurance '' I was placed on and haven't received it. I'm also locked out of my account which they are aware of. 
I've been told I was on lenders placed insurance with three different timelines and no solid answer to any questions I have brought up. I got ahold of a Supervisor XXXX XXXX and she left me high and dry with no answers or reply after telling me that what they were doing to my account was illegal. I have exhausted all avenues to resolve my account and have these wrongful charges fixed. 
I also am military and will be moving XX/XX/. My house is listed for sale, and I've had three offers that I had to turn down because the amount of negative escrow on my account. At this point Shellpoint Mortgage lender is ruining my credit, my account with them and wrongfully allocating my money in order to force a wrongful foreclosure. I've also since been removed from the repayment plan, so it shows my late on my account for multiple payments.
Product: Credit reporting or other personal consumer reports

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX have taken over 30 days to remove inaccurate accounts and unauthorized inquiries on my report. 

AFFECTED ACCOUNTS : XXXX XXXX XXXX EXPERIAN 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: Checking or savings account

I am writing to file a complaint against the Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged position posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX, Equifax, 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 or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove these accounts before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX. {$580.00}, XXXX XXXX XXXX XXXX. {$1300.00}, XXXX XXXX XXXX XXXX. {$7000.00}, XXXX XXXX. {$1200.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I have asked Suntrust Bank to provide a Letter of Credit in the amount of {$10000.00} in favor of my homeowners association for installing a pool in my backyard. I have spoken with the bank on several occasions, most recently Friday XX/XX/2020 and submitted a written request which is attached. 
Today I am given a Verification of Deposit which is attached. No one at the bank understands what a Letter of Credit is and they can not seem to grasp something as simple as this transaction. The account that I wish to have the letter of credit attached to has in excess of {$70000.00} in it. The Bank 's actions have caused me delays in beginning this project in addition to my frustration at their cavalier attitude towards understanding basic financial terms.