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

I wrote and mailed a debt Validation certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. They responded with a contract that was not signed by me. As you can see they forged my signature and copy and pasted on the form attached. The address they have listed for me I never lived at that address and was with XXXX in XXXX. So this is not proper proof saying this debt is mine. I reached out to the company twice on XXXX and XXXX to remove this from my credit reports and was denied both times. My next step it to star litigation against XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I feel I was negatively impacted by EQUIFAX / XXXX, hurting my chances at credit after receiving a response to my earlier disputes that the accounts were " verified ''. But I don't see any details on the investigation. Please Delete ASAP
Product: Debt collection

they are using different fake phone numbers. they call and hang up only when i call back do they identify themselves
Product: Checking or savings account

I opened a new business checking account with U.S. Bank on XX/XX/2023 ( see confirmation email ). They were running a promotion for up to {$750.00} for depositing {$15000.00} within 30 days and holding it in the account for 60 days ( see attached promotional screenshot ). 

I funded my new account with {$100.00} ( see attached bank info for XX/XX/2023 ), but could not access the funds or account until I received my debit card in the mail. After 10 business days, I still had not received any way to access my account or a debit card in the mail which I was told was the only way to set up my account in an area where there are no nearby branches. I live in XXXX, Hawaii, and there are not U. S. bank branch locations on island. I spent over 6 hours with customer service over the phone over the last few weeks to determine whether or not the debit card and new account information was mailed over. I was assured by one representative that it as being sent but have not received it. In the last 10 days I made two calls to customer service and was told that I would receive a call-back from a supervisor but I still have not received any contact from the bank. 

It is now XX/XX/XXXX and the 30-day deadline to deposit new funds as elapsed. They also have my {$100.00} opening deposit and I have no way to access those funds.
Product: Credit reporting or other personal consumer reports

Upon reviewing consumer reports I discovered a late payment on an account which Ive always maintained timely payments of consumer agencies play an important role in reporting consumers information correctly and accurately it is crucial that this information be published accurately I have never missed a payment on account for XXXX XXXX XXXX I request a thorough investigation into these discrepancies under 15 U.S. code 1681e section b and ask that statements be provided demonstrating the lateness of said payments if unable to furnish proof I demand these payments to be updated to reflect their true status of on time as I have consistently upheld my payment obligations without delay!
Product: Credit reporting or other personal consumer reports

Last year after paying government taxes, we struggled to make a payment on our loan. We attempted to do a loan modification with XXXX XXXX at which time they started the process and no payments were required to be made. They claimed to have approved my request but I never received paperwork and it was taking an extremely long time at which point I decided to make my full amount owed and bring the account current. They are now stating I missed two payments in XXXX and XXXX ( all during the modification process ) and this is hurting my credit and our attempt to take out home equity. If you look at 24 month trending data on my loan, you will see that my payments are always made and never more late than 30 days except for that loan modification timeframe which payment wasnt even required. I am requesting for it to be removed ASAP so that we can move forward properly on getting our home equity. 

Also they claimed to have placed me on a forebearance which that was never something I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update or correct these negative accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX/Account number : XXXX XXXX XXXX XXXXAccount number:XXXX XXXX XXXX XXXX XXXXAccount numberXXXX XXXX XXXXAccount number : XXXXXXXX XXXX XXXX XXXX XXXX/Account number:23439**** XXXX XXXXAccount number:XXXX XXXX/Account numberXXXX**** XXXX XXXXAccount number : XXXX XXXX XXXX/Account number : XXXX XXXX XXXX XXXXAccount number : XXXX XXXX/Account number : XXXX XXXX XXXXAccount number : XXXX XXXX XXXX XXXX/Account number : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to have XXXX, XXXX, and TransUnion remove items from my credit report that wasn't mine. They've refused. Even when I filed FTC and police reports. Please have them remove the items listed in my FTC reports.
Product: Mortgage

My wife 's employer is receiving verification of employment requests from a mortgage lender that we have no relationship with. We are not seeking a new mortgage, no refinance of an existing mortgage, no financial changes at all. The group, identified as Better Mortgage - better.com, has sent multiple requests, each becoming more insistent. I phoned today ( XX/XX/2020 ) and left a message at the phone number listed but have received no return call. We have copies of the emails that were sent to our employer. 

The emails started around XX/XX/2020. The representative lists their name as : [ XXXX XXXX ] | Income Services Team | Better Mortgage | XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX | Phone XXXX |XXXX | XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, XXXX and Equifax XXXX : XXXX : XXXX XXXX XXXX XXXX # : XXXX XXXX : XXXX XXXX XXXX XXXX  acc # : XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 

I dont believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : acc : XXXXXXXX XXXX XXXX  XXXX # : XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX # : XXXX After doing so please provide me with an updated credit report reflecting the changes. 


Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting

Equifax is reporting address information that do not or never belong to be. Please assist me in getting the following address information removed from my credit file : XXXX XXXX and XXXX XXXX
Product: Vehicle loan or lease

I was overcharged on interest rates for the duration of my loan.
Product: Student loan

I am writing to express my concerns and seek your assistance regarding a significant issue with my federal student loans, which are currently being serviced by Mohela. I am now facing a significant financial challenge caused directly by the ineptitude of the loan servicer. 

I currently owe {$71000.00} in federal student loans. Since the repayment of my loans was required, I have been enrolled in an income-based repayment plan, which required monthly payments of {$660.00}. However, following the transition of my online loan servicing platform from Mohela.com to Mohela.StudentAid.gov, my repayment plan was unexpectedly changed to the standard plan with a monthly payment amount of {$810.00}. This change was made with

out my consent or any explanation beforehand. I have contacted Mohela and Student Aid multipl
e times to resolve this issue and have requested to be placed back into my original income-based repayment plan. Unfortunately, the representatives and their supervisors have been unable to assist me and state they do not understand why my repayment plan changed. They have informed me that they can not revert the changes to my original payment amount and suggested that I re-apply for an income-based repayment plan. 

The problem with this suggestion is that plan processing is currently halted due to ongoing legal issues with certain income-based repayment plans. As a result, I was left with no immediate recourse and I was responsible for paying the higher monthly amount of {$810.00}, which would have put a significant financial strain on my family. Because of the inability to pay this higher amount, I had no choice but to ask Mohela to place me on forbearance until the new payment plan gets processed ( which is currently halted ). Due to forbearance, interest continues to accrue on my account. As it stands, because of the failure and inaction of Mohela to appropriately perform their duty as my loan servicer, I am being financially exploited. Over the last several months, I have attempted to resolve this issue by contacting different resources and my efforts have been futile : Mohela : Called XX/XX/year> and XX/XX/year>. Have sent emails via their online account portal on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> Federal Student Aid : Submitted a complaint via their online portal XX/XX/year> Congressional representative office : Submitted congressional inquiry request XX/XX/year> Given these circumstances, I am urgently seeking your assistance to help address this issue. Specifically, I would appreciate any support you can provide in facilitating the reinstatement of my previous income-based repayment plan so I can continue with my payments and avoid the undue financial burden of the higher standard plan payment amounts and the unnecessary accumulation of interest caused by the forbearance. 

Thank you very much for your attention to this matter. I look forward to your prompt response and any assistance you can offer.
Product: Credit reporting or other personal consumer reports

RE : FTC Report # XXXX In accordance with 15 USC 1681c-2 c ( a ), it is imperative that credit reporting agencies take immediate action to block and remove all information associated with alleged identity theft from consumer credit reports. This statute mandates that credit reporting agencies promptly address such requests within four business days of receiving a complaint.

1.Identity Theft. 
XXXX XXXX Account XXXX Statement : not mine ( tracking number of letter sent via usps priority in attachments ) 2.Identity Theft. 
XXXX XXXX Account XXXX Statement : not mine ( tracking number of letter sent via usps priority in attachments ) 3. Identity Theft, HARD INQUIRIES Statement : i dont recall applying for any credit since 2021 ( ( tracking number of letter sent via usps priority in attachments ) The statute allows me to pursue for damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and the credit bureau has taken no immediate action to block and remove the fraudulent account from my credit report. I sent multiple certified mail to attempt to resolve this. I have provided all the necessary information to facilitate this process. 

Attached : - FTC ID Theft Report - USPS Priority Mail with Tracking Numbers for correspondence sent to bureaus
Product: Credit card or prepaid card

This is against Direct Express. They are not crediting me back refunds that companies have put through for me. I am owed nearly XXXX dollars between 4 transactions. They need to allow refunds to post to the card. I have the id numbers of the transactions I'm speaking of. I want my money back. 
Auth code for XXXX cancelled purchase XXXX XXXX Auth code for conditioner. At XXXX I returned XXXX XXXX Transaction id for XXXX it designs shirt XXXX And XXXX who just put through for a credit to my account on Friday XX/XX/2020. For XXXX. They have tried twice and it is never credited to my card I'm sure I can get the XXXX auth code if needed. This is all the proof I have repeatedly been calling to give them. Everytime I'm hung up on. Other times I'm on hold for an hour and then call ends. I never get a person
Product: Debt collection

Was in an accident and was in hospital for several months. Did not receive my information on payment. Once I was better I paid off the amount owed. Recently tried to dispute so that my credit can be clear, however it was denied.
Product: Checking or savings account

I am formally disputing multiple fraudulent transactions on my account in the amount of XXXX twice {$11.00} twice that originated in Texas. At the time of these transactions, I was in another state, and these charges should have been flagged and blocked. I was informed that the investigation has been completed and that my card was allegedly present during these transactions. I am requesting proof of this claim, including photographic evidence of me using the card in Texas, as well as signed receipts. Given that I was thousands of miles away, these transactions were unauthorized. As you can see from the picture I submitted I was in a totally different state
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ran my XXXX report and found inaccuracy on my report from LoanMe Account # XXXX. I have written a letter to LoanMe on XX/XX/21 and XX/XX/21 to make the correction. They have not responded to the letter I send on XX/XX/21. They only responded to the second letter that was mail onXXXX with a reply that this loan has been paid in full. I have explained to the that it not reporting correctly. This account has been closed and paid in full. It keep showing up reporting different information. Copy of the last report is attached as proof of wrong reporting. attached is also a letter from loanme stating that this loan has been settled in full. LoanMe have not made the proper correction to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my free annual credit reports from XXXX, XXXX and TranUnion in XXXX as usual and have not received them
Product: Student loan

I receive about 5-8 phone calls from Navient regarding my private student loan each day. Some I missed a payment last month, Navient had called me non-stop every day on an auto-dialer. I know it is an auto-dialer because when I answer the phone there immediately is a prompt about the call being monitored and recorded. This is harassment because I am aware of my past due payment from email, and when I can make a payment I intend to. 

Also, there is no forgiveness for private student loans like there is for federal. I borrowed this loan when I went to culinary school. I did not end up becoming a chef, the college changed its name, and has since closed down. However, Navient is still harassing me about this loan when had it been a federal loan it could be forgiven by this point! I 'm owing them now so much interest it 's unlikely believable! Plus, part of the loan was for a time when I had withdrawn from the college. I ended up leaving the school on the first day of a semester, but they still charged me for laboratory fees for the entire semester! I never used the lab at all. This would be forgiven as well if I had a federal loan.
Product: Debt collection

Collections account for {$450.00} reported to credit bureaus on or around XX/XX/2023 by Jefferson Capital Systems LL C I was never contacted by phone, writing or electronically in order to give me my legal right to request a validation letter. 
On or around same time I called to Jefferson Capital. 
Who could not provide me with any relavant information. This included no account number dates or any information of attempted contact to allow my a resonpe to the allefged debt. Instead i was provided with a phone number by a recorded message to call to a payment center. Called that number spoke to a rep who only had an amount due of {$450.00} and wanted to know how i would like to pay. I told them i was unaware of any account. They asked for my email. They told me the acc was associated with another email. They agreed to notify Jefferson Cap of this. I also requested a debt validation letter. Never recieved a response. I disputed this through XXXX XXXX to XXXX 3 times. No answers were given, other than to continue to alledge this was a valid debt from XX/XX/2023. The alleged creditor was XXXX XXXX. I called XXXX affirm and was told they had no record of an account from me at any time or around XX/XX/2033. I Jefferson Capital collection has failed to provide any proof, any relavant information, and they have relied on improper methods. Unable to provide me with any requested information i am legally entitlted to receive they remain unfairly stubborn and in intentional and complete disregard of my rights and in intentional violation of the laws governing credit reporting they refuse to remove this from my credit file causing me irreparable harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AT T These disputed items wasn't removed from my credit record within 30days of the investigation period
Product: Credit reporting or other personal consumer reports

Description of the Issue : I am disputing an incorrect debt reported on my credit file by Experian. The account in question was opened under the name " XXXX XXXX, '' but my legal name is " XXXX XXXX. '' This discrepancy suggests that the debt is not mine and is either a clerical error or misattribution. I have already disputed this with Experian and XXXX XXXX XXXX, but they have failed to correct the mistake. 

The Fair Credit Reporting Act ( FCRA ) mandates that only accurate information be reported on credit files. Reporting debt under a similar but incorrect name violates FCRA Section 611 ( 15 U.S.C. 1681i ), which requires credit bureaus to maintain maximum possible accuracy. This erroneous entry is negatively impacting my credit report, even though I am not liable for the debt in question. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), the collector has a duty to validate the debt. Since they can not prove that the debt belongs to me ( due to the name discrepancy ), they must cease reporting it. I request immediate removal of this account from my credit report, and a correction across all three bureaus ( Experian, XXXX, and XXXX ). 

Actions Taken So Far : I sent dispute letters to Experian, detailing the issue. 
I also contacted XXXX XXXX XXXX, the debt collector, but they responded without properly addressing the name issue. 
Despite my efforts, the debt remains on my report.
Product: Debt collection

Subject : Pre-Arbitration Settlement Offer - Collection Account ( Account Number : XXXX ) and Obligation to Honor Arbitration Agreement To Whom It XXXX Concern, I am writing to address the ongoing issue concerning the collection account associated with Comenity Capital Bank, account number XXXX, which has significantly impacted my credit report. Despite prior attempts to resolve this matter, the situation remains unresolved, causing substantial financial hardship and distress. I have denial letters to prove the financial pain and stress this fraudulent account has put me through. 

I want to emphasize that with the acquisition of this collection account, XXXX XXXX XXXX has assumed all rights and obligations, including those stipulated in the original contract, such as the arbitration agreement. This agreement is legally binding and requires that disputes be settled through arbitration rather than traditional litigation. 

Given this obligation, I propose a one-time settlement offer to expedite a resolution and avoid further legal complexities and expenses. XXXX XXXX XXXX has the opportunity to settle this matter by agreeing to the following terms : Payment of {$5000.00} in full settlement of the collection account. 
Deletion of the account and all associated information from my credit report. 
By upholding the arbitration agreement, XXXX XXXX XXXX demonstrates its commitment to equitable resolution practices. 

Please give due consideration to this settlement offer and respond promptly. Accepting this proposal not only upholds your contractual responsibilities but also leads to a more advantageous outcome for both parties involved. 

I request written confirmation of your acceptance of this settlement offer and the subsequent actions taken to fulfill the terms outlined above. 

Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a letter from collector ( XXXX XXXX XXXX about a medical debit of {$360.00} owed from XXXX. I have never heard of this debt and was surprised in XXXX I received a letter of debt. I called the collected and told them I do not know what this is, then a week later I saw it on my credit report. I wanted to file a complaint because I have not clue what this debt is, the collected put in on my credit, that account is from XXXX and XXXX denied my dispute. I have no wear else to go, this is unfair from companies to do this to consumers.