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

Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ma XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX XXXX XXXX EQUIFAX Re : Acct # UNKNOWN BALANCES ON BOTH CLOSED ACCOUNTS ARE $ XXXX/ {$6000.00} To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I HAVE LATE PAYMENTS ON MY CLOSED XXXX XXXX STUDENT LOANS This is a formal notice that your erroneous claim ( s ) is/are now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC :  Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX I have identified items on my credit report to be the result of human trafficking
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 confidentially under 15 USC 1681. 

15 U.S.C 1681 Section 604 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 then seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX CHILDSUPPORT : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXXDOFED : XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to

modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Credit Bureaus reported they did a proper investigation to my XXXX  XXXX account. As you clearly see its missing the months of XXXX. 
If XXXX  XXXX was reporting where are the documents. 
This is hurting my credit/FICO score.
Product: Vehicle loan or lease

I purchased a certified used vehicle from Mercedes Benz in XXXX of 2021. There was an incentive in place where Mercedes would deduct {$500.00} from your first payment. When I received my onboarding materials I signed up for " Auto Pay '' to automatically deduct the payments from my checking account. I received a confirmation email from Mercedes that my auto pay had been set up correctly. I received a message today requesting that I contact Mercedes. I logged into the account and there was a message saying that auto pay had failed and that my account was now overdue. A late fee was assessed. I never received notification that the auto pay failed after they confirmed that it was set up correctly. I do not feel that I should have to pay the late charge related to their own technology issues. I have made several attempts to call Mercedes but there are excessive call hold times and I have not been able to get through to a human.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 also states a consumer reporting agency cann furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a46.5k open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  - XXXX XXXX Inquired on XX/XX/XXXX ;
Product: Student loan

My record of Qualifying Payments for Public Service Loan Forgiveness is incorrect. I made 85 qualifying payments as of XX/XX/XXXX, the date of my most recent Employment Certification form however received correspondence from Fed Loans on XX/XX/XXXX and qualifying payments are still not accurate. Qualifying payments from my count as of XX/XX/XXXX should be 95. The attached document shows the error : the number of Qualifying Payments ranges from 48-55. 

In XX/XX/XXXX, Fed loans sent me a letter saying my qualifying payments were updated, they were not accurate. 
On XX/XX/XXXX, Fed Loans sent me a letter saying my employer certification form was incomplete for XXXX XXXX XXXX XXXX. I sent in the requested information and I haven't heard back. 
In addition, I also sent in a ECF for XXXX XXXX  XXXX XXXX in XX/XX/XXXX and I haven't heard back. 

The number of qualifying payments from XX/XX/XXXX is the SAME as the number of qualifying payments for XX/XX/XXXX. Thus, FedLoans did not update the XXXX XXXX payment ( {$1100.00} payment that took over 18 months to review ) NOR did they update the payments from the " in school deferment '' payments. 

In school deferment is in quotes throughout the message as I should not have been in, " in school deferment '' as I was working full time AND doing a XXXX XXXX XXXX program. I do have the letter that requested me to be out of deferment. 

I have made multiple calls to FedLoans. 

Included in this message : - XX/XX/XXXX statement saying they need more information for ECF - the updated ECF for XXXX XXXX that was resent ( uploaded ) XX/XX/XXXX - XX/XX/XXXX Direct Bill with qualifying payments - XX/XX/XXXX Direct Bill with qualifying payments - XX/XX/XXXX Direct Bill with qualifying payments - ECF for XXXX XXXX XXXX XXXX uploaded XX/XX/XXXX for which I haven't heard back - documentation of one time payment for XX/XX/XXXX payment - message from Fed Loans on which loan sequences were paid during in school deferment ( however all loan sequences were paid during this time ) - XX/XX/XXXX qualifying payment update by Fed Loans ( not accurate ) - original request to not be in deferment - follow up request to not be in deferment I want the record corrected to show the number of Qualifying Payments for Public Service Loan Forgiveness for all loans sequences to be 85 payments as of XX/XX/XXXX ECF or 95 payments as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX I'm requesting a Factual Reinvestigation of the late payment reporting to my credit on XX/XX/2022. I'm requesting the Full Internal Account Payment History of this account. I'm also requesting the name of the person that provided the Factual Documents of the Full Internal Payment History & the method used to for verification of the late payment.
Product: Checking or savings account

Request for Refund of Overdraft Fees Charged on XX/XX/XXXX Complaint Details : On XX/XX/XXXX, Bank of America charged me three consecutive overdraft fees of {$35.00} each, totaling {$100.00}. These charges placed a significant financial burden on me at the time and were a key factor in my decision to close the account. 
At the time, I was an out-of-state college student living on limited financial aid during the challenging circumstances of the XXXXXXXX XXXX. These fees added undue stress to an already difficult period when my financial resources were extremely constrained. 
Since then, Ive learned that Bank of America has updated its overdraft policies to significantly reduce or eliminate such fees. As of XXXX : Non-Sufficient Funds ( NSF ) fees have been eliminated. 
Overdraft fees have been reduced from {$35.00} to {$10.00} per occurrence. 
Overdraft protection transfer fees were also removed. 
These changes reflect an acknowledgment that prior overdraft practices may have been excessive and burdensome for customers. I respectfully request that my case be reconsidered in light of these updated policies and my specific circumstances at the time. I kindly ask that the {$100.00} in overdraft fees charged to my account on XX/XX/XXXX, be refunded as a goodwill gesture. 
Although my account is now closed, I was a loyal customer before these fees were assessed. I believe a refund would not only rectify the situation but also demonstrate Bank XXXX XXXX commitment to fairness and customer satisfaction, particularly during periods of financial hardship like the pandemic. 
Thank you for your time and attention to this matter.
Product: Money transfer, virtual currency, or money service

I requested a transaction thru Cash App ( XXXX XXXX XXXX XXXX XXXX CA XXXX ) However, I selected the wrong tag. It was intended for my niece XXXX XXXX ( XXXX XXXX XXXX ) but I sent it in error to XXXX XXXX ( XXXX XXXX ) my niece 's maiden name begins with an XXXX so that's why I thought it was the right one. And I didn't expect anyone else to have the tag of XXXX XXXXXXXX. the error was mine. However when I realized that my niece did not get the funds I tried t reverse the transaction and I called Cash App as soon as they opened. They advised me to send a refund request to the recipient and there was nothing else they could do. I sent the refund request and the recipient declined to refund the money. Cash App gives the recipient the option to say yes or no to refund the money which I feel is wrong. I don't understand why they couldn't have reversed the funds back out of the acct. I have contacted Cash App several times but they maintain that they are unable to help. I also contacted my bank and they explained that since my bank didn't send the money directly to the person there's not much they can do. However, they tried. My bank reversed the transaction so the funds were back in my account however, after contacting Cash App they advised that they would be removing the funds again from my account. I had just borrowed that money from XXXX XXXX to catch up on bills. Is it legal for someone to keep money sent to them in error?
Product: Credit card or prepaid card

To whom it may concern, supervisors and those who are working on this case. 

I had bought flight tickets from XXXX to XXXX for my father and I to visit my sick grandma with the amount of : {$650.00} and {$590.00} Both of our departure dates stated XX/XX/XXXX and arrival XX/XX/XXXX. 
there were two other stops in front of us XXXX XXXX, and XXXX XXXX. Our Destiination was to arrive in XXXX XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX had a protest and all flights were canceled. Ive tried everything in my power to have my father and I be put on the same plane together because hes XXXX he can not XXXX  and can not XXXX. They tried separating us multiple times in XXXX XXXX tried stealing our belongings. Weve heard multiple gunshots. We were there a total of three days survival mode, without eating or drinking anything. I have Asked security guards if there was anyone working there who could help me get some kind of food, and they had specifically told me not with US dollars. I was completely XXXX with my father on survival mode. Finally on XX/XX/XXXX I received an email that we were going to be departing together im going to XXXX XXXX. Ive called XXXX and message them through XXXX an amount of numerous times on this case. They had messed up my tickets had me pay quadruple the price knowing I had insurance for both my father and I and we both had paid for our luggages that were put on our flight tickets. That by the time we got to the airports or every stop that we had made we had to pay each and every time for our luggages as well. It was literally the worst experience Ive ever had in my life I did not receive the service that I was supposed to. And I refuse to use this site ever again. Yet again the day I was coming back home XX/XX/XXXX XXXX went into war. They overcharge me for renewing flight tickets to bypass XXXX {$970.00} - {$990.00} coming to XXXX, because XXXX went into a war XX/XX/XXXX and of course all flights were canceled again and they tried separating my father and I once again coming back home to XXXX which means they charge me that price for one day to go home. there are other charges for luggages, which were already paid for when I paid for the first flight tickets {$590.00} and {$650.00}. Once again We have and had insurance and they never bother to use our insurance after I told them that my father and I both have it. My father never even received any assistance in XXXX which I had asked for because he is XXXX. 
I have called XXXX  and Citi simplicity on this case and reason why of disputes. Youre more than welcome to contact citi and XXXX  to move forward with this case and to remove these transactions.Im really hoping u can help. Just as u know, as anyone else, isnt fair to have transactions without having right services received. 
For any further questions or concerns please feel free to mail, email me or contact me at Sincerely, XXXX XXXX XXXX XX/XX/XXXX - {$110.00} XXXX XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my credit report. I have tried to resolve the issues with the credit reporting agencies and they refuse to remove it. The fraudulent inquiries are with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I drafted a debt validation letter to Pinnacle Services and they failed to respond to my request for validation. I know they received the letter because I certified it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out I was part of the equifax breach. My credit score keeps dropping, but I have no late payments. I did not sign up for their free credit monitoring or anything. What are my options. I would like to sue them for this. Please let me know. 

XXXX
Product: Student loan

CO-SIGNED A STUDENT LOAN FOR MY DAUGHTER IN XX/XX/XXXX - {$17000.00} STARTED PAYING INTEREST ONLY ON THE LOAN ALSO IN XX/XX/XXXX.

WENT THROUGH A BANKRUPTCY IN XX/XX/XXXX.

IN XX/XX/XXXX-THE STUDENT LOAN WAS PART OF THE BANKRUPTCY BEING PAID THROUGH THEM.

BANKRUPTCY COURT RETURNED IN XX/XX/XXXX SAYING THE LOAN HAD BEEN PAID IN FULL. 
AFTER THE CONCLUSION OF THE BANKRUPTCY, WE RECEIVED A LETTER FROM NAVIENT COMPNAY STATING WE STILL OWED OVER {$7000.00} DOLLARS. 
AFTER TRYING SEVERAL PHONE CALLS, AND SENDING PAPERWORK, THEY STILL JUST STATE WE STILL OWE THE MONEY. WHEN ASKED WHAT INTEREST RATE THEY USE, THERE WAS NO CLEAR ANSWER. ONLY THAT THEY ADD INTEREST DAILY. 
LOOKING OVER THE ACCOUNT HISTORY WE MANAGE TO PRINT FROM THEIR WEB SITE, THEIR INTEREST IS NO BETTER THEN A LOAN SHARK. 
OUR BANKRUPTCY LAWYER WAS NOT HELPFUL, AND THOUGHT THE LOAN WAS PAID OFF AS WELL. 
WE STARTED PAYING THE XXXX BALANCE IN XX/XX/XXXX. 
FOR EVERY 100 DOLLARS THEY SEEM TO TAKE 50 DOLLARS OFF FOR INTEREST.
Product: Mortgage

My husband and I are veterans and have a VA XXXX year hybrid loan through XXXX Mortgage ( Formerly XXXX ), and their Loan Servicing agent is Ocwen Loan Servicing. We are not in Foreclosure and we are not XXXX days late, but because of the timing of my paydays we are often paying our mortgage beyond their XXXX day grace period each month. Promptly, on day XXXX, they begin a barrage of calls to our house, literally blowing up our house phone. My husband is a XXXXy XXXX and he has laid there and listened to them call, then hang up and immediately, auto-redial us repeatedly sometime XXXX times in a row at like XXXX in the morning. Today is XXXX XXXX, a Saturday, and we laid there and listened to our phone go off at XXXX this morning for about XXXX or XXXX minutes of the phone continuing to ring. This wakes up our kids and is disrupting my husband 's sleep. Even after we pay our bill we continue to receive collection phone calls for days after, even after repeatedly reminding them that we have paid. They have reported us late several time when we are not or when I have had trouble with their website, and even after filing disputes with the credit reporting agencies, the report remains unchanged by the credit reporting agencies. Now, our credit has been harmed and if we were to attempt to refi at this time, we would pay more based on our credit score. XXXX weeks ago we tried to get a refi quote from a lender, and I called the Ocwen customer service line, requesting a copy of our Adjustable Rate Note, for the loan application. The agent on the phone said it would that XXXX days to receive it in the mail-that was XXXX weeks ago and we still have not received our Adjustable Rate Note in the mail. VERY VERY POOR CUSTOMER SERVICE-AND PREDATORY COLLECTION PRACTICES.
Product: Credit reporting or other personal consumer reports

I have made numerous attempts to contact your company in regards to an outstanding issue. Unfortunately, each time I reach out, I am told that my account can not be located in your system, despite referencing the letter I received from your company. 


The issue at hand is regarding a car that was taken from an auto repair shop without my knowledge. Since then, I have not been able to locate the vehicle or determine its current whereabouts. This has caused me great concern and distress. 


As a concerned individual and valued customer, I request that this matter be resolved promptly. The only fair resolution for me is either to settle this account or have it removed from my credit report. Your company has been unable to verify my account through your internal systems, making it difficult for me to address this issue. 


I urge you to take immediate action to resolve this matter as it has been ongoing for far too long. As a professional organization, I trust that you will handle this situation with care and concern for your customers ' well-being. 


Please do not hesitate to reach out to me with a resolution plan at your earliest convenience. Thank you for taking the time to address this matter and for valuing your customers ' satisfaction.
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to remove any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX XXXX Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXXXXXX XXXX XXXX stipulates that " '' ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXX/XX/year>