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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX Balance : {$450.00} ; XXXX XX/XX/XXXX ; XXXX XXXX
Product: Checking or savings account

I wrote a check in XXXX to XXXX, a yard service, for XXXX. It was stolen, possibly from my mailbox, and altered to {$5100.00}. XXXX Bank accepted the check, and the funds were taken from my account. I've been working with Wells Fargo for XXXX months, but they have not refunded the money. Wells Fargo says they must wait until XXXX pays them, but I do not believe that is legal or proper. 

My Wells Fargo claim number is XXXX A letter from XXXX lists a " XXXX '' number, which XXXX be related to my claim. it is : XXXX XXXX
Product: Mortgage

This is a continuation for case # XXXX # XXXXDiTech Financial, LLC f/k/a Green Tree Servicing - Account No. XXXXThis letter is regarding your response to my complaint. 
We requested a loan modification in writing. The owner of our loan provided no explanation as to why we did not qualify for a loan at the time of our request. Furthermore, they did not provide us with any other options besides payment deferrals, at the time of our request. We believe that the interest rate was predatory. 

Our account is actually overpaid. Attached are payments that were not posted in the documentation you provided. Each of these payments should be posted to our account. And interest for each of these should be credited at 12.99 % or the interest rate charged for the loan and compounded annually as they were not posted. 
In the previous response, you did not address the harassing phone calls neither did you provide an explanation for the miscellaneous charges or legal fees. 
The bankruptcy issued needs to be address also, I filed in XX/XX/XXXX and had a XXXX in XX/XX/XXXX. The balance on the account is NOT DECREASING. We did not have any payment deferrals during this time, we paid bankruptcy and regular payments to Green Tree during this time. As of today, the balance is XXXX, why is there not any payment being applied to the balance? We have had this loan for sixteen years, bankruptcy included arrears payments which should have brought the balance current to sixteen years. 
Insurance, I see that payments were applied to insurance in XX/XX/XXXX, XX/XX/XXXX, etc., We had home owners insurance with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, policy number XXXX, there should not have been anything applied to insurance during this time period. ( Attachment K, XXXX XXXX Policy ). There are transactions listed on your History Report were payments were credited to Insurance. 
As a loan service provider you have a responsibility to assist consumers when you see them financial distress and they should reach out to you. Those responsibilities carry over with each service provider and should be taken seriously.
Product: Debt collection

Several Accounts have never been properly verified, I've asked for the original documents with my signature multiple times and I've never received them. I asked for date of delinquency with proof of verification never received it, Several accounts are past the Illinois seven year statue of limitations and they're still being reported. I never received paperwork to dispute the accounts before they were added to my credit reports. The dates are different on all of my credit reports.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Credit Control , LLC, notified me on XX/XX/2022 about an alleged debt. According to Title 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of their fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. 

Credit control , LLC and its agents harassed me for an alleged that that was not even validated. Shared statements as well as a copy of a consumer contracts as evidence of the day, but as per the judgment in the case of XXXX XXXX XXXX XXXX XXXX a copy of the consumer contract is not sufficient evidence of debt. Due to their continuous act of deceit, coercion, and intimidation I have suffered XXXX XXXX XXXX XXXX 

According to 15 USC 1692a ( 2 ) the term Communication means that conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report { bearing information regarding the alleged debt } by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any consumer reporting agency. 

Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If they do not cease communication a lawsuit will be commenced against them. 

Credit Control , LLC and XXXX XXXX XXXX HAVE FALSELY REPORTED INFORMATION THAT RESULTED IN DEFAMATION OF MY CHARACTER. Further, they have created a deceptive form that made creditors and employers believe that I was in debt, though they could not prove its validity. If the debts were valid, they created a false impression that I was not able to pay the alleged debts. 

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, both Credit Control , LLC and XXXX XXXX XXXX are liable according to Title 15 USC 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America decided to close my account with them in XX/XX/year> and to this day they have not given me a response nor have they returned the funds to me # account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX It was XX/XX/XXXX and I bought a new XXXX XXXX at the XXXX XXXX XXXX XXXX. 
They told me I was approved for credit and I signed the financing documents. 
My original Creditor was XXXX/XXXX  bank but in XXXX of XXXX it was transferred to XXXX XXXX. 

My issue is upon checking my credit score I noticed 3 hard inquiries from 3 different creditors on the same date. I was not made aware of this by the XXXX Dealership and only authorized the one credit check which they said was approved. 

XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX The XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX These inquiries could stay on your report until XX/XX/XXXX but only the first on XX/XX/XXXX was approved. 

I tried contacting these companies at the phone numbers listed but have found they have no record of me. Since this is an unauthorized hard inquiry and at least 1 hard inquiry being considered as three separate ones.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX all my student loans were written off and paid off by the US Treasury as a response to Covid. Completely brought down to XXXX . After Biden was voted into congress my account was contacted personally by the US education department who apologized and told me the balances were being returned to some accounts. I was told to file a dispute so that it would remain at XXXX $ and paid. Which o filed. In XXXX the US Department RETURNED MY BALANCE TO {$42000.00}.

Limiting my financing abilities and opportunities as a small business owner. 

Its ludicrous that they can remove a balance receive funds from the give and turn around and return balances to whomever they choose. 

Its an injustice.
Product: Credit card

On XXXX, I tried to use my XXXX Credit card to purchase some clothing for my children for XXXX. My card was declined. I thought I XXXX have had the wrong card on file [ they had recently sent me a new one ], so I pulled out the card and reentered the number and it was declined again. I thought I might had the wrong card in my wallet so I went online to try to see if I could find my card number. When I logged on, I was shocked to see I had a late payment of XXXX dollars and that they had decreased my spending limit from about XXXX to XXXX. I had made my last full payment in XXXX of XXXX and I had a XXXX balance. Apparently XXXX full days aftee I has XXXX out my balance of XXXX, they charged me a XXXX dollar interest fee and never sent me any emails or paper bills to tell me about this charge so that I could pay it off. From XXXX of XXXX to XXXX of XXXX, they have been charging late fees and interest fees and NEVER ONCE sent anything stating that there was this charge. When I called to figure out what happened, I was told I needed to call them to XXXX a verificiation for a XXXX balance, which in the XXXX years I've had this card, I have never had to do. I also asked why I wasn't emailed and they said they had emailed me and when I double checked my emails, there are still no emails of statements for XXXX. I am enrolled rhe paperless billing, but I never received emails giving me a statement. It also states on their site when you log on that since I have late notices, I will receive paper statements, which I have also never received. In the 6 years I've had this card, I have never missed a payment or been late on making a payment.
Product: Credit card or prepaid card

I received an email today from XXXX Department store. The subject line was "Credit Card - Minimum Payment due Alert".  It provided my statement balance, Minimum due, Payment due date and last payment amount. It then stated "If a payment was already sent, or is scheduled to be paid, please disregard this message.  I have been a client of XXXX since 1996.  They just granted me the status of "Platinum Customer". I want to file this as a formal complaint against XXXX that they are sending email alerts about a payment that is due in five days.  This is horrible business practice.  I did let XXXX know that if another email as such came I would close my account. I would appreciate a response to this complaint
Product: Credit card

In 2010 I rec 'd a letter from Macy 's stating that they had inadvertently matched me with another customer with the same name. Macy 's corrected their records and removed my address from that record. They stated no incorrect information. was reported to the credit reporting agencies, and they would contact XXXX
Product: Credit reporting or other personal consumer reports

This is in violation of my rights reporting these accounts on my credit. I have a right to my privacy. 15 U.S.C. Code 1681 ( a ) ( 4 ). There is no need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. There has been lack of supporting evidence. I have not received any credible documentary evidence proving the information is valid. Compliance with FCRA mandates necessitates the prompt removal of unverified information. The bankruptcies on my credit report are inaccurate. Also, I contacted the Bankruptcy Court, and they said they did not report this bankruptcy to credit reporting agencies, XXXX did. XXXX wrote and said they did not report this bankruptcy. This is violating my rights, and I believe this disclosure to be in violation of the Gramm-Leach-Bliley Act ( 15 USC 6803 ). 
According to the Gramm-Leach-Bliley Act, financial institutions are required to provide individuals with disclosures and an opportunity to opt out before reporting any non-public information. It has come to my attention that this has been reported without adhering to these legal requirements. 
Therefore, I am formally revoking any and all consent, whether express or implied, to report my non-public personal information. I kindly request that these accounts be deleted from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a hard inquiry under the vendor TD XXXX XXXX XXXX, on XX/XX/2023. This has not been initiated by me and I do not recognize this vendor to begin with.
Product: Debt collection

Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need to deliver court documents. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If  a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ),  that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint stems from the original CFPB Complaint # XXXX. The original complaint was prematurely closed after Navient responded. 

As of XX/XX/XXXX my cosigner and I of a private student loan taken out around XX/XX/XXXX, settled a defaulted student loan. I made sure that both I and my cosigner received an email of the settlement agreement and were told by Navient 's agent ACT ( collection agency ) as of XX/XX/XXXX, the account was listed as settled in full and closed meaning it was sent back to Navient to update on both of our credit reports among other things. However, Navient still has the account status listed as a charge-off. Additionally, on Navient 's student portal through my account overview, it is listed as behind in payment. It has been more than 45 days and Navient refuses to uphold the terms of our settlement agreement. ( See attachment : Updated Navient Settlement Agreement ).

A settlement agreement was made by Navient 's agent with " actual authority, '' and it has to be honored. I am still being adversely affected credit wise while Navient has accepted payment in consideration for settling this entire private loan. Moreover, under the original CFPB complaint # listed above, you will find that Navient concedes to receiving this payment in its response but continues to state that it will remain on our credit reports until paid-off, in what world is that a settlement? I responded by questioning this statement because the language in our settlement agreement and our intent was to settle the account in full, not payment in full, meaning " One, Single, Final Payment '' to be done with.

According to Navient 's standard, settlement agreements are just a payment arrangement. Wherein the American justice system a court would read within the four corners of this agreement and find express language that no longer holds me or my cosigner accountable monetary wise for this private loan.

Nevertheless, to continue to report the status of the loan as a charge-off, and behind in payment would be '' inaccurate '' and a violation of the Fair Credit Reporting Act which carries {$1000.00} penalty per occurrence.

Further, I am alleging that Navient entered the agreement with " bad faith '' as it had no intent on holding up its end of the agreement instead it thought it could deceive a student into making a payment and continuing collecting the full balance. Fortunately, I received the settlement agreement via email before the account was sent back to Navient as " Settled in Full. '' I have attached all of the documentation as well as a recorded call that confirms that this account was sent to Navient as " settled in full '' and closed.
Product: Credit reporting or other personal consumer reports

Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX