23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I never recieved a right to dispute and the debt is XXXX
Product: Mortgage

We've discussed the Newrez multiple times that the taxes are inaccurate. They told us the value of the house was being taxed instead of the accessed value. XXXX the refinance people called from Newrez and they told us the taxes would be corrected if we apply for the XXXX. They apologize that the tax portion is inflated and they are not sure why. When we call to speak with the tax department we can't speak with anyone, or they are not aware of the problems from the notes.
Product: Debt collection

using Lowe 's Advantage card I made online from lowes.com purchase of products which occurred XXXX XXXX.The order number was XXXX with total of {$2000.00} via web page. The website indicated that the shipment will deliver in two weeks period. When I have received package, there were four items priced {$130.00} plus tax was missing and I was thought it maybe in different package so waited one extra week hoping delayed arrival. However, my remaining package did not received. For that reason, I directly had called customer service and they said will investigate and told me let me in 60 days. In mean time I ask them I need the product and they said, " you can order the same item and will reimburse you later. '' Then I had purchased the items using the same card and picked up from local Lowe 's store. 
After that they denied my inquiry and told me that the carrier left at your door no signature required and you are responsible to pay adding on to my account. I have been contacting them telling the fact that we have package theft problems.Having no choice, I have been paying with the interest while looking resolution and keep asking them. Recently I had sent a letter, again investigated and told me to ask carrier but, they said it is delayed. They need to tell on time, if they are responsible.And also I went local court to file small claim and said that if they are not local business couldn't help. To go federal court, I have to have lawyer, but lawyers ask lots of money that I can not afford, even some of them not take it. i am an XXXX, but XXXX  US citizen. I am faithful to my religion, my country, I need anyone 's money. I also shouldn't my own for business I did not used.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I discovered that one of my credit card accounts had been closed due to a bankruptcy filed XX/XX/2024. I am not in bankruptcy. I was directed to contact the credit bureaus which I did and was told by each of them that they show no bankruptcy on my credit report.

This is a continuous issue with my siblings credit information being merged with mine. Our names and social security numbers are very similar. I have had security alerts, freezes etc added to my social security account to no avail. 

I contacted XXXX XXXX, Experian, XXXX and XXXX and none of the companies are claiming to be responsible for the error. One of them had to post the bankruptcy because my XXXX credit card account has been closed because of it. 

Please help. The only solution that the credit companies offered was a free credit report.
Product: Debt collection

I was sent to collections I contacted the company via letter to obtain proper documentation on debt owed. 
Company name is : Portfolio recovery associates LLC. 
AMOUNT : XXXX COMPANY HAS NOT PROVIDED LEGAL PROOF ABOUT OWNERSHIP OF THE DEBT NOR ANY INFO REGARDING LEGAL RIGHT TO COLLECT.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented XXXX failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to XXXX negligence. 

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX XXXX XXXX  XXXX - {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX XXXX have Tendered payments thereto XXXX Bank on XX/XX/XXXX with proof of service and signatures required signed by all creditors as of XX/XX/XXXX when mailed out via XXXX with proof of service. The law states that if the payment is not accepted then XXXX has five days to return that payment to me with lawful reason for denying it. XXXX has failed to do so. In fact it has been [ 96 ] days and the Tender of Payment has yet to be mentioned by XXXX. If the payment is not returned then it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. It is left to be implied due to the amount of time given to XXXX which is well passed the five day time to respond. Attached are the FDCPA laws. 

The new law states " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. 
Therefore all are hereby notified that i XXXX XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. i have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. 
Rather it has been over [ 96 ] days and nothing has posted as paid tendered or discharged and this disables me XXXX XXXX XXXX by way of doing business employment and living free. XXXX has notified the credit bureaus that i am late to a debt that was paid in full as of XX/XX/XXXX, XXXX i have the United States XXXX XXXX signed forms which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. If XXXX has decided to deny the payment then the debt obligation is DISCHARGED! 

Please be aware that the address you have been sending updates to is not my address. XXXX XXXX XXXX XXXX apt XXXX XXXX XXXX, NV XXXX is a previous address my new residential address is XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. However I prefer to have mail sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting on all 3 bureaus Demand deletion and blocked for all 3 bureaus XXXX XXXX XXXX Immediate deletion It doesnt show on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent Experian a certified disputed letter which the United States Postal Service verified was received on XX/XX/XXXX. As of today, XX/XX/XXXX they have yet to respond to the dispute letter or provide anything in writing. I am disputing inaccurate information on my credit report and Experian has failed to respond. This is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am making this complaint because there is a problem with the procedure used by XXXX XXXX, XXXX, and Equifax to block information resulting from identity theft. I was a victim of a threatening crime where XXXX XXXX XXXX XXXX XXXX XXXX  and my wallet with my credit cards and other personal data was stolen. Since then every account in my name has been tampered with and someone has been attempting to use my name and likeness continuously. I filed an identity theft report with the Federal Trade Commission and even filed a police report. I submitted all those documents including my proof of identity and proof of address to a 3 credit reporting agencies. Many of the accounts were permanently blocked, removed and deleted except for XXXX XXXX XXXX XXXX XXXX accounts. I want those accounts permanently blocked, removed, and deleted from my credit report immediately because it is only fair and reasonable. Please see attached notice.
Product: Payday loan

Big Picture Loans has been very dishonest in the way they handled my loan. When I agreed to borrow {$820.00} I was not shown the truth in lending disclosure showing my APR. once I signed the agreement, I found out that the interest rate is 910 %!?!?! If I have to pay these finance charges, I will end up paying {$7100.00} over the next year and a half on an {$820.00} loan. Seems simply outrageous to me. I am appalled at these finance charges and feel that they are unethical in truth in lending. They also say they have a demand feature on my bank account and so it will deduct my account even if I file a stop payment with my bank. This was also not something I was aware if before signing the agreement!
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this year. 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXXXXXX 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 XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus, such as Equifax, XXXX, and XXXX, did not a proper investigation concerning disputing, raising my credit score, and deleting closed accounts that were included in my court-order XXXX XXXX XXXX All of the collections and negative reports need to be deleted from all three of my credit file/ bureaus, instead of reading closed in the status section. Please see the attached document for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. CFPB please remove XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX
Product: Student loan

I attended the XXXX XXXX University, a widely known predatory school, and want to apply for discharge of the Navient private student loans the university was issued on my behalf. 

The Project on Predatory Student Lending ( PPSL ), the nonprofit legal organization representing borrowers defrauded by predatory colleges that has been monitoring the XXXX XXXX XXXX  lawsuit, in which I am a class member, issued a press release stating " Navient began quietly sending a new application to a select few borrowers, including some PPSL clients, allowing borrowers who experienced misconduct at their school to apply directly for discharge of private loans ''. 

As a class member of the XXXX XXXX XXXXXXXX lawsuit, which ruled that I am entitled to federal loan discharge, I believe I meet the stated criteria to apply for a School Misconduct Discharge Application for my private loan, also issued by Navient. 

I contacted Navients Office of Consumer Advocate on XX/XX/XXXX requesting a School Misconduct Discharge Application for private loans. 

XX/XX/XXXX I received a response stating that " additional information was needed in order to fully review my concerns, such as my Navient account number '' and I promptly replied with the information they had requested. 

On XX/XX/XXXX, I received a reply stating : " Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type ( Refinance ) does not meet the criteria for you to receive an application. '' I believe this is incorrect as I do not have a refinance loan. 

Navient issued standard Private loans to the university on my behalf. I did consolidate my debt with a different lender essentially leaving the Navient account as " paid in full '', however, Navient did issue the initial loans which I am currently still paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Following are the dates when the problem was disputed and is still not fixed nor have they sent me the proof that it is valid for XXXX Bank XX/XX/XXXX XXXX the late payment posting of XX/XX/XXXX - 30 days late XX/XX/XXXX Disputed the late payment posting of XX/XX/XXXX - 60 days late XX/XX/XXXX Disputed the late payment posting of XX/XX/XXXX - 180 days late Disputed again on following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The porblem is not fixed yet nor have they mailed me the proof that the payment was late.
Product: Student loan

My servicer Fedloan is not acknowledging my offer to pay. I have been asking them for the orginial promissory note which they keep sending me blacked out copies of a promissory note not my note. I have sent them several certified mail letters asking for they contract with me that I signed for them to collect a supposed debt. They have violated several Truth in Lending and FDCPA codes.
Product: Credit card

I am writing to formally dispute the unauthorized addition of my name as an authorized user on a credit card account that I never consented to. The details of the account in question are as follows : Account Name : JEFFERSON CAPITAL SYSTEMS Account Number : XXXX Account Holder : Unknown
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It all states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a 30.3K payment on a credit card account under an open end consumer credit plan as late for at purpose.
Product: Student loan

I pulled a Parent Plus Loan so my son could attend college in XX/XX/XXXX. At the time of repayment which began around XX/XX/XXXXish I was told if we set it up for autopay we would get a .5 % reduction on the interest rate. We set it up for auto pay. The loan was in my name but my son is helping repay this loan. When my son go into some financial issues they encouraged us to put the loan in forbearance. When he got back on track we started paying loan again. I was told because we put the loan in forbearance that we lost the .5 % rate reduction which was never explained prior to this. At this point we have been paying this loan for years. To date not XXXX XXXX has been deducted from the original loan. I called to inquire what was going on and was told that unless we pay additional money each month over and above what set payment is, the loan would never reduce. Again this was never explained. So why would they set the loan payment at the rate that will never pay off the loan. This is a complete crime and should be against the law. There is not one program out there that is of any help to us regarding this loan and it will NEVER get repaid unless we win the lottery. How can this be legal?
Product: Student loan

I have been struggling to make my payments on this private student loan that I have with Navient. I had a co-signor and when I miss a payment they will repeatedly call the co-signor several times a day. She has received at least 1 call from them every day for over 60 days. The last time I spoke with Navient ( which was XX/XX/XXXX or XX/XX/XXXX ) I confirmed all my information and asked them to call me and not her, but they still call my co-signor relentlessly. Several times a day, but have not tried to contact me. I understand that i took the loan and I am responsible for it. But to call us continually, every day, several times a day is HARASSMENT!!!!

And should we discuss the fact that the people she and I have spoke with in the past seem to think they can be rude and disrespectful just because I am 1 or 2 months behind on my payment!!!! I am willing to submit any documents I have including and not limited to phone records showing the # of incoming calls my co-signor has received.

Seems Navient ( among other companies ) thinks they have the right to harass people just because 'we ' owe money.

I would appreciate a response to this complaint. I have been dealing with many financial and personal hardships since I took this loan.
Product: Money transfer, virtual currency, or money service

( Block , inc ) Due to inadequate customer service and unfair practices which costs violates the Consumer Financial Protection Act ( CFPA ) Specifically Cash app failed to take timely and effective measures to prevent and address fraud on their platform. Their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Funds and Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and Financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchases a car and financed it through Chrysler Capital in XXXX, about a year or so I was in an accident. The car was totaled and taken to the impound yard where my insurance adjuster viewed it and confirmed that it was totaled and that it would be paid. A month or so later I was notified that the bank had taken possession of the car and it was no longer in the impound yard. I never heard anything further about it. Then I found it on my credit report as a charge off with the full balance of {$20000.00}. I've written the bureaus and the Chrysler Capital several times and no one will give me a response.I don't think I owe this amount even if the insurance didn't fully cover the cost it wouldn't be this high. I never received any paperwork from them. A few days after the insurance confirmed the car was totaled I went to a dear purchase the same make, model and color car I have never been late. Now a week ago a tow truck showed up trying to repossess the original car that they said they had from 5 years ago and I still have yet to receive any paperwork from Chrysler Capital or the impound yard for that matter.
Product: Debt collection

I have review a current copy of my credit report and show an alleged debt which to whom I do not know. I attempt to send letter for verficiation and I have not received any such return reply. I also sent to credit bureau with no update to dispute. 

PORTFOLIO account XXXX Please delete account
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion related to a HUGE drop in my credit score for NO REASON.. The outsourced guy in XXXX even sounds SHOCKED score randomly dropped 58 points in 1 day! then tells me if I want copy of my report which shows how they dropped score I need to PAY {$10.00}! To illustrate how arbitrary it is my husband had exact same credit crad bill charge and paid in full NO DROP on his card. Your CFPB guidelines copied here advise consumers to pay in full each month been doing so for 40 years Never this kind of problem ..The drop happened just because of the 1 charge on a bill which with other charges did not exceed at all the 30 % rule you advise ... So why does the Transunion guy tell me BEWARE when the lender soon reports I paid balance in full me the score can drop LOWER?? So here is CFPB guidance for me and others -- does CFPB hold reporting agencies accountable when the parameters are violated? 

" Pay your loans on time, every time. One way to make sure your payments are on time is to set up automatic payments, or set up electronic reminders. If youve missed payments, get current and stay current. 
Dont get close to your credit limit. Credit scoring models look at how close you are to being maxed out, so try to keep your balances low compared to your total credit limit. If you close some credit card accounts and put most or all of your credit card balances onto one card, it may hurt your credit score if this means that you are using a high percentage of your total credit limit. Experts advise keeping your use of credit at no more than 30 percent of your total credit limit. You dont need to revolve on credit cards to get a good score. Paying off the balance each month helps get you the best scores. '' I follow all of this..please help me and others from being victims of these reporting agencies