23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1. Provide validation of the debt, that is, the actual accounting.

2. Verification of their claim against you, that is, a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information.

I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts?

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

On XX/XX/, prior to XXXX eastern, I faced trolling by Transcard on the phone. I called transcard at XXXX XXXX XXXX and demanded Transcard allow me to use the funds I have on my card. A man named XXXX picked up and instead of helping, told me to " take my time '', when in fact it is transcard who has been wasting my time for a very, very long time, and refusing to allow me access to my funds on quite the list of occasions. The admin number for the card in question ends with XXXX. The XXXX  also refused to take this complaint and serve it to the offending party, Transcard. 

Later on XX/XX/ XXXX I received from them a check in the amount of {$8.00}. However, the check says to not cash it in without calling them. Since Transcard will not behave when I call them anyway, Transcard may have committed a federal offense by sending me a bad check. If they have not, they must clarify this in writing immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : DP OF EDUC XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint regarding Experians failure to accurately investigate and resolve a credit reporting dispute concerning a XXXXXXXX XXXX credit card account. It has been over XXXX XXXX since I disputed the account with Experian, but they failed to verify the account information as required by law. 

I have reviewed my credit report and found that the information on my report, particularly concerning this account, is incorrect and has not been adequately investigated. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of an item on their credit report. This investigation must be completed within XXXX XXXX, and if the information can not be verified as accurate, it must be deleted. 

In my case, I submitted a dispute to Experian over XXXX XXXX ago regarding the inaccurate reporting of this XXXX XXXX  credit card account. XXXX XXXX did verify the account, but the report remained unchanged, and the item was not removed, as required by the FCRA. Instead, Experian relied on information from XXXX XXXX, which is not the creditor associated with this account. 

This ongoing issue has severely impacted my familys livelihood. Due to these negative remarks on my credit report, I have encountered difficulty in securing housing, which has caused significant distress and hardship. The inaccuracies on my report have become a burden, as we are unable to find a suitable home for my family. 
I respectfully request that Experian delete the inaccurate account information, as they failed to perform the legally required verification within XXXX XXXX. This failure to comply with the Fair Credit Reporting Act, as outlined under 15 U.S. Code 1681i, has resulted in unjust harm to my credit and my family 's ability to maintain stable living conditions.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

My loan is with XXXX. It is a federal XXXX XXXX that the federal govt sold to XXXX XXXX and then to XXXX. Now Im trying to apply for the XXXX XXXX XXXX XXXX. Their servicer is now Mohela. They are a big problem. You spend hours on hold. They lost at least one application, the 2nd wasnt legible due tio theyre ink from their fax machine. No way to send online if servicer is through XXXX, I had to finally send a 3 application through the mail. Now they are telling me the 90 days to process starts all over again when the issue is them! XXXX is another issue and they are also apparently holding up the process. Ive been paying on my loans for way more than 10 years, at least 15. Im now also paying on my daughters student loans, if this tells you anything, Im very frustrated with the process. Ive been in public service for many years and am just in need for relief.
Product: Credit reporting or other personal consumer reports

Please be advised that this dispute is in regards to the improper reporting of the consumer report. It has come to my attention that your company is in violation of title 15 USC 1681a ( 2 ) ( a ) ( i ). The consumer report is reporting the CREDIT UTILIZATION, which is EXCLUDED from the consumer report. 
( 2 ) EXCLUSIONS. - EXCEPT AS PROVIDED IN PARAGRAPH ( 3 ), THE TERM CONSUMER REPORT DOES NOT INCLUDE. 
( i ) report containing information solely as to the transactions or experiences between the consumer and the person making the report. 
Finally reporting late payments are illegal and credit utilization reporting are illegal, these are both EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT
Product: Credit reporting or other personal consumer reports

Comenity bank /XXXX  XXXX account continue to report with lout authorization or consent for the account to even be opened. This account was open fraudulently during the XXXX pandemic. The company offered not type of relief in the middle of a global pandemic, didnt offer deferment or any type of arrangements, not give relief based on the account being opened without consent.
Product: Mortgage

My wife and I have had nothing but problems with the money source. Despite have a fixed XXXX year mortgage, our mortgage rate goes up every year. We have an escrow account and are now being told our escrow is short over XXXX. We are not receiving satisfactory explanations as to why this is occurring. We do understand that because we have had financial difficulties due to medical expenses certain concessions have had to be made. However due to the payment arrangements, our payments have been larger, not smaller. It is irritating that when we call in there are no automated options and we are forced to speak with a bureaucratic representative who has no business judging our situation. We are forced to explain the same situation over again, even though it's in the notes and nothing has changed.to a paper pusher with no medical or legal degree. There is no online payment option when you're behind on your payments. The company makes everything as inconvenient and punitive as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX credit card account shouldnt be reporting in my credit file and it was removed and it reappeared again. Im finally requesting this to be removed from my file as soon as possible or else I would take legal action against equifax as this account should not be reporting in my credit file at this time.
Product: Debt collection

Sometime in XX/XX/2023, I realized a unknown collection account added to my credit report. Grant Mercantile Agency is a collection agency I am unfamiliar with. XXXX XXXX is the original creditor and I have never received a medical bill in my life yet alone been to the hospital. Someone has stolen my identity as well as put numerous unauthorized credit inquiries on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft when I was XXXX. My personal information was used to get credit cards. I have tried to fix this numerous times, but XXXX still hasn't removed these accounts. They know I was underage but do nothing about it I have spoken to many people. They are not doing the correct dispute and following the FCRA This is the company : XXXX XXXX XXXX There are three accounts with them
Product: Debt collection

I am robo-called an average of 6-8 times a day from Navient. In one month, from XXXX XXXX to XXXX. XXXX. I was called 112 times. I have spoken to this company several times about my debts. They have been unwilling to accept any terms. They have called me before XXXX. I have at least one saved message from before XXXX. Several times I get a call every hour. Occasionally, these calls will also occur within minutes of each other. One example is I was called ar XXXX XXXX, then again at XXXX XXXX. I want the excessive harassment to stop.
Product: Credit reporting or other personal consumer reports

On different occasions I have disputed the account for my XXXX XXXX XXXX car loan that erroneously appears 9 late payments on my XXXX, Equifax and XXXX credit report without having an effective response to the request, and I even made a report where I notified that I had requested a payment extension and these were not taken into account. I explained it and also sent it, but it is noted by XXXX, Equifax and XXXX that they did. not conducting an efficient investigation to determine that those late payments that appear on my XXXX XXXX XXXX credit report do not belong to me, MY LOAN HAS ALWAYS BEEN PAID ON THE PAYMENT DATES this information is affecting me since it harms me when applying for my mortgage loan I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other active accounts that are currently reporting and that is why I request that these erroneous late payments that appear in XXXX, EQUIFAX AND XXXX be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information shown below is the erroneous information shown in XXXX, Equifax and XXXX. XXXX XXXX XXXX Account number XXXX : CURRENT, WAS PAST DUE 60 DAYS Remove it from my credit report.
Product: Debt collection

Medicredit inc is on my XXXX credit report as collections, its not mine account, I think is fraudulent activity, I been contacted their number XXXX. No one was answering call
Product: Mortgage

I've attempted to submit on line many times, Called and was told there were issues in the system for the past few months, and to try again. so the attachments contain my responses to both the Questions ( boxed ), This Mortgage Contains at Least 3 Modifications that are absolute examples of Predatorial lending. Upon Purchase of our mortgage BOA. 
Changed to Loan terms to a Balloon. 
The Loan was a 30 year fixed. without discussion or explanation they flipped the terms of the mortgage to a Balloon ( never would I have agreed to this term period ) Had considerable Hardships ( XXXX had XXXX XXXX  XXXX, XXXX and successful XXXX XXXX treatment. Heathy XXXX free thank XXXX!, she currenty is treated for side effects the treatment has been constant for 17.5 years. 
When we needed a modification it was early in the program and I was going nowhere with BOA. 
I can provide the following documents. 
Letter to President Obama, ( we Had met at an event. He spoke at a fundraiser for for the XXXX XXXX XXXX XXXX XXXX center ) I was the chair for the Board. He spoke 14 months prior to taking office. 
Response from President Letter from the treasury Letter from the FHA Letter from CFPB ( white house opened file w/you ) Contact information for Mr XXXX office of the president BOA -Seattle WA XXXX 
All warrened of predatorial Lending. 
When BOA purchased the loan ( 30 year fixed ) and flipped the terms they changed the date of their mortgage to the XXXX start date of my 30 year fixed ) burring that mortgage like it didn't exist .On every modification they just added to the principle and restarted interest heavy payments. They hammered us each time. never a payment reduction, principle reduction. or interest reduction. This is pretty outrageous. They have not lost a penny on this mortgage period. That isnt my intent I have always wanted to keep my home and PAY FOR IT. 
BOA sent me a letter when I contacted them about the covid relief, Lost my Job due to covid. the letter says that in XXXX ( XX/XX/XXXX was the end of the 30 year fixed loan they flipped ) at that point I would be responsible to re finance {$230000.00}. original 30 year fixed ( I have a copy of this mortgage - they flipped ) was {$320000.00} when they purchased they added {$5000.00} to principle to {$330000.00} That's {$94000.00} in principle credit in 30 years. ( there are also additions of {$85000.00}. 
XXXX, XXXX additional fee's. ) Page 1 attachment show 's payments made. 17 years - $ Taxes. Ive paid in XXXX. They did me no favors and REALLY NEVER HELPED- JUST ADDED TO THE SITUATION. 
After 19 years in this home .... I am upset this is CRIMINAL as of last XXXX the original balance of the 30year fixed loan would have been {$210000.00}. Please help Us I know Laws have been broken and they should be fined On Multiple ocacations I have requested 1st day to present Loan documentation I was told I would recive in 10 weeks, that was XX/XX/XXXX called many times never recived, THATS AGAINST THE LAW. I have many pages of documents modifications / Letters- Im Loaded and coming strong
Product: Credit card or prepaid card

I opened a Kohls store card and they made it seem like it was very easy without explaining much information. I applied after making a purchase and they said all I had to do was sign a form and for me to answer a few questions in the terminal, I was then approved and I went on to make purchases and didn't have much credit knowledge so I used my card for a few things and then I lost my job and had trouble paying it off because of me being unemployed.
Product: Credit card or prepaid card

Dear CFPB, I have a Secured Credit line with, First Progress Card XXXX XXXX XXXX XXXX XXXX, TN XXXX First Progress has currently charged me a {$29.00} late fee for a check they arbitrarily cashed after the due date. The check was dated and sent well before the due date, which was held by First Progress after the corresponding due date, resulting in a late fee. 

I contacted my bank XXXX XXXX, and had a Good Will / Good Faith Letter sent to First Progress. I also had a conference call with my bank and First Progress where my bank verified the check 's date was dated and sent before the due date, which they refused to honor. My bank has refunded me the XXXX dollars late fee payment, but I would like to go further with seeking action against First Progress, by not complying to United States Regulations. 

My Bank is... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX
Product: Debt collection

XXXX XXXX XXXX is a privately held company with 20 employees. We receive multiple calls per day from " Exeter Finance '' with a recording to " hold for an operator '' etc. When we wait for an operator, they will ask to speak to a person not employed with my company. We have told them numerous times to stop calling, no one here by that name, etc., to no avail. This has been going on for 6 months or more. 

This week alone Exeter Finance called at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

It is a great waste of our company 's time and money to answer the bogus calls from " Exeter Finance ''. I consider the call tactics as harassments because the serve no purpose other than to waste our time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were unauthorized and I submitted an initial complaint for. With XXXX, I only had three accounts. 

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX The follow inquiries were unauthorized and is a new complaint. 

XX/XX/2020 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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 Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted PennyMac mortgage for deed in lieu in XXXX of XXXX. My home in Alabama had been on the market since XXXX of XXXX ( now over 28 months ), I suffered job loss in XXXX of XXXX and moved to Texas for employment in XXXX of XXXX. The home is located in an economically depressed area and I have not been able to sell. 
Before I could be considered for deed in lieu I was told by PennyMac that I first had to apply for modification ( denied in XXXX of XXXX ). I was then told that I had to apply for a short sale before I could be considered for a deed in lieu. Both the deed in lieu and short sale were denied in XXXX of XXXX based upon their XXXX XXXX appraisal. However I continued my attempts to avoid foreclosure by listing the home which failed inspection by a potential buyer in XXXX XXXX which I provided to PennyMac. I subsequently obtained my own appraisal in XXXX XXXX which the PennyMac refused to consider because it was substantially lower than that obtained by PennyMac in XXXX XXXX. After another purchaser presented, PennyMac refused to consider a short sale and finally repeated their appraisal which still is considerably higher than the market will bear. 
I had contacted HUD who suggested that I undergo credit counseling which I did. Both HUD representatives and the XXXX credit counseling agency were concerned regarding my experience with PennyMac and apparently mine is not an isolated incidence. I currently have a buyer ( short sale ) however while PennyMac has finally decided to present my file to HUD, they are not being forthcoming regarding information required from me and although this information has been previously provided, I am concerned that " lack of information/compliance '' will be used as a means to terminate the short sale and proceed with foreclosure which is now scheduled for XXXX XXXX, XXXX. 
I am in disbelief that PennyMac maintains the position that foreclosure is a better financial alternative to a short sale. My credit has been significantly and adversely affected by PennyMac 's commitment to proceeding with foreclosure as the representative has also refused to intervene and place these proceedings on hold.
Product: Debt collection

The company is reporting a different balance to my credit report. My personal and financial information was compromised without my permission. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentially of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial that information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a potential violation of consumer protection laws by Discover Credit Card Bank on XXXX XXXXXXXX  for {$82.00} and XXXX XXXX for {$710.00}. Specifically, I believe that Discover Credit Card Bank has engaged in practices that violate the Fair Credit Billing Act, as well as other relevant consumer protection laws. 

In particular, I have experienced difficulties in disputing charges on my Discover credit card account. Despite following the proper dispute procedures and providing evidence to support my claims, I have been repeatedly denied refunds for unauthorized or incorrect charges. 

Furthermore, I have noticed that Discover Credit Card Bank has failed to provide me with clear and accurate information about my account, including interest rates, fees, and other charges. This has made it difficult for me to manage my finances effectively and to understand the true cost of my credit card use. 

I am concerned that these practices by Discover Credit Card Bank are not only unfair and deceptive but also illegal. I am therefore requesting that the Consumer Financial Protection Bureau investigate these practices and take appropriate action to protect consumers from further harm. 

Thank you for your attention to this matter. 

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

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I have tried to call, mail dispute, and online dispute these accounts to Transunion. They are refusing to remove them. I need these fraudulent accounts removed expeditiously.