23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am reaching out about the information that appears on my credit report is inaccurate. I have never opened accounts with the companies that are showing. I have tried to dispute the account but Experian come back and say that the information is correct. I have never received any form of communication from any of the companies that are showing nore have I ever been associated with then in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 



XXXX XXXX XXXX Date Opened XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DPEDXXXX Account Number : XXXX Account Name : DPEDXXXX  Account Number : XXXX Account Name : DPEDXXXX  Account Number : XXXX Account Name : DPEDXXXX Account Number : XXXX Account Name : DPEDXXXX  Account Number : XXXX
Product: Debt collection

Here 's my complaint : I've tried on multiple occasions to apply payments to specific portions of my loan ( either principle or interest ) with Navient. Navient fails to honor those allocations. Likewise, their " communication '' is almost non-existent. As well, I believe I'm being charged interest increases on sporadic occasions ( seems variable ) as opposed to a truly capitalized accrual. I can't prove any of this because Navient doesn't have a way of viewing or being notified of account changes. Likewise, their on line accounts don't show the actual allocation or payments to principle and interest or reductions to principle and/or interest after payments. It's all very opaque. 

I had {$230.00} of unpaid interest on XX/XX/XXXX for my 1 consolidated loan with Navient. I made an interest only " directed over-payment '' on XX/XX/XXXX of {$33.00} ( to test their allocation method ). I expected to see {$200.00} of paid interest after the payment posted. The payment posted on XX/XX/XXXX and my interest balance was {$200.00}. Where did the {$2.00} go? Or was {$2.00} suddenly added to my account? My loan interest is not variable. If it was there would be thousands of dollars of interest. And daily, variable interest is not part of my loan terms. Did Navient steal {$2.00} from me? Did they apply it to principle without asking and even though I selected, apply overpayment to " loan with highest interest '' ( see pic ).
Product: Debt collection

Despite multiple requests for validation Bull City Financial does not respond. I did not receive a notice of my right to dispute this in the first place.
Product: Money transfer, virtual currency, or money service

A friend of mine 's phone was hacked in XXXX and the hackers used it to ask me for money passing for her. I have sent her money like that before and never had a problem that is why I thought it was her. They called first and had a woman talking real fast and then the call dropped. I texted her through XXXX thinking that it was her and that is when they asked me to transfer {$1900.00}, then {$1000.00}, and then {$1000.00}. To make a total of {$4000.00}. Right after I sent the transfers through XXXX with my Wells Fargo account, I received a text from another friend telling me that my other friend 's phone was hacked, it was too late. I talked to XXXX and they wanted to take over my phone remotely to " help '' me, I did not wan to do that. Called Wells Fargo and filed a complaint and then went to the Wells Fargo branch and filed another complaint, all of my complaints were denied.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I sent a physical letter to XXXX, XXXX  and Trans Union informing them there were inaccuracies in my credit report and that I was requesting a copy of my free credit report of which I am entitled as per the FCRA.The only company to send my report was XXXX, It has now been more than 90 days and I still have not received a copy of my credit report from XXXX  or TransUnion.
Product: Credit reporting or other personal consumer reports

My account with the following company was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 my 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 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. This company 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: Credit card

To Whom It May Concern : I have had an ongoing issue with American Express dispute resolution. Back in XXXX I purchased XXXX pairs of shoes from XXXX for {$1500.00}, XXXX. None of the shoes fit, so it was returned right away back to XXXX as described in instructions. The items were sent to : XXXX Returns Service XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX. I sent them first time by XXXX ; Mon XXXX/XXXX/2016 Tracking # XXXX. They returned without saying anything. I then thought it was a mistake, sent it back again by XXXX overnight, Wed XXXX/XXXX/2016 Tracking # XXXX. Few weeks later, it was returned again. And one more : Tue XXXX/XXXX/2016 Tracking # XXXX. Then I got the items back, and I contacted American Express via the chat system asking what shall I do - I have useless shoes and the XXXX is playing games. The customer service reassured that they have no problems to resolve such cases, saying " they have no reason to disappoint me ''. I was instructed not to send anything to XXXX, and if anything is needed I will receive further instructions from the dispute department. 20 days later - the case is denied, saying I have the merchandise and I am not entitled to refund because of that. So I sent the merchandise back to XXXX one more time : Wed XXXX/XXXX/2016 Tracking # XXXX. No return was received. So first case was denied, because XXXX says " items were returned/not authentic ''. I then reopened the case, saying it was returned and accepted. So the case was reopened, I got a letter from Amex asking for a proof of return, they got it, wasted another XXXX3 weeks, and denied the case, saying its not my problem. 

At this point, I have no shoes, I have to pay to American Express, they do n't let me talk to investigator, saying that they are not even in the US and they do n't have phone numbers. 

To me it looks like American Express has illegal deals with big stores, which results in denial of all claims as long as it is not fraud. American Express suggested to file me a fraud claim if I want to " have a different outcome ''. 

Please investigate the whole issue, and help me to get the proper resolution in this case. I will be filing more complaints with other agencies and probably social media/news outlets to let others know how American Express is operating. 


Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I sent XXXX $ to the wrong person. I contacted cash app to help me in retrieving this money back.. I even tried several months later ( XXXX XXXX  ) to even request 50 % back from the individual which was declined. At the time Cash app did not have a disclaimer about sending funds and ensuring it was the right person. XXXX did not offer me a solution
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022 to " Investigate every piece of information '' on the accounts I have listed below. Also I have attached the CFPB complaint I sent out and here is the Tracking # XXXX According to the FRCA " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts still not reporting 100 % Accurate. And According to the FRCA 15 USC 1681 Everything has to be 100 % Accurate. Also I have my credit report showing these inaccuracies. 

List of Accounts : Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX If you look at All my credit report from XXXX, XXXX, and Equifax The " XXXX XXXX XXXX is reporting Account type : Open on XXXX and Equifax but on XXXX it shows " Debt Buyer '' on there so how is this 100 % accurate? 

Look at " XXXX XXXX XXXX '' as another evidence of inaccuracies. It shows " Balance updated XX/XX/2022 '' on XXXX but On XXXX it shows " Balance updated XX/XX/2022 '' also " Terms 1 Month '' and " Past Due Balance {$2200.00} ''. Which is NOT REPORTED on my XXXX report. So How is this Verified? 

Also Look at XXXX XXXX XXXX More inaccuracies it shows On XXXX Account # XXXX, On XXXX Account # XXXX. THIS IS A BIG INNACURACY FROM MY PROOF AND EVIDENCE Shown this a Violation of my FRCA USC 1681 ( e ).
Product: Mortgage

The mortgage holder XXXX XXXX was due a tax refund in the form of a lower property tax bill, to the amount of XXXX. This was supposed to be refunded to her and the local sheriffs office showed us a canceled check. The check had been cashed by the company that takes care of our escrow account for Loancare.To this day they have not refunded her. Loancare has also paid our property taxes 6 months after it was due, causing the tax bill to jump from {$1500.00} to {$1800.00} because of late charges. We called them on several occasions to remind them of when the property taxes were due. They assured us the property taxes were going to be paid on time. They were NOT paid on time. It was printed in our local newspaper ( publicly humiliating us ) that we had a delinquent tax bill of {$1800.00}. Loancare paid them late and added the extra XXXX in extra late fees onto our house payment stating that our escrow was short. It was short because for the last few years they have not paid the tax bill when it was supposed to be paid. As of this email Loancare refuses to let us talk to anybody in management, They keep saying a supervisor will call and talk to us. This has never happened. My mother and I, co-mortgage holders, would like some help getting this straightened around. Loancare continues their silent treatment. XXXX XXXX and XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I instructed my bank, XXXX XXXX XXXXXXXX XXXX to send via on line banking a payment to my XXXX XXXX XXXX credit card account in the amount of {$64.00}. I made the error of sending my payment to a CLOSED account at XXXX XXXX. In XX/XX/XXXX XXXX XXXX supplied the credit resources for XXXX XXXX XXXX cardholders. Since that time, XXXX XXXX XXXX  services XXXX XXXX XXXX cardholders. I did not realize the billing information and account numbers changed. This was my human error. 

XXXX XXXX received my payment and took my money even though there was no way to credit any account at XXXXXXXX XXXX because I am not an account holder there. My money should have immediately been returned to my account at XXXX XXXX XXXXXXXX XXXX given there was no way to credit any account at this bank on my behalf. Their service center is saying that payment was never received. Attached is the proof their bank got my money. I would appreciate your involvement in returning my money to me immediately. My money should never have gone into the coffers of XXXX XXXX. 

Attached is a copy of supporting documentation proving delivery of funds that was sent from XXXX XXXX XXXX via fax to XXXX to XXXX who clearly communicated yesterday that she would call to confirm receipt of this document. Still waiting to hear from her. I am sure since I received this documentation, she too must have it and my request has gone into a black hole. 

Apparently, XXXX XXXX, is the only person at this bank that has email accessibility via the web which is also proved to be bogus. Only the Office of Thrift Supervision Department of the Treasury ( OTS ) was able so supply me with a valid phone number to reach her. Only after speaking with XXXX @ XXXX, was I able to get a valid email address. Everything about communicating with this bank listed on the web is false. 

Because of the above situation, neglect, lack of contact and blatantly stealing my money that does not belong to them, I am submitting this complaint to www.consumerfinance.gov to report this incident to the Consumer Finance Protection Bureau. 

Thank you, XXXX XXXX
Product: Debt collection

On several occasions, my wife and I have been contacted by representatives at Navient attempting to collect a debt for two other persons bearing our last name. We do not know the consumers Navient is attempting to contact, but the callers are attempting to reach them through us. There are no searchable records online that tie my phone number or that of my wife to any other XXXX, leading me to believe Navient and its personnel are using data broker tools such as TLO or CLEAR and making desperate links between me and the consumers with my last name. 

The most recent caller only identified himself by first name, XXXX. He further stated he was looking for the two people I noted above, believing I was a " possible '' relative. The transcript follows : " Good afternoon, this message is intended for XXXX XXXX. My name is XXXX. Today is the XXXX of XXXX. The reason I'm calling today, XXXX, I'm trying to reach XXXX and XXXX XXXX, possible relatives of yours. We're having some difficulty reaching each of them, hoping you might be able to help us out. Maybe there's another number we should be attempting to to reach them at that you could make us aware of. Maybe you have a way to get them a message or know of anyone who could. Once again, my name is XXXX, I'm calling from Navient, formerly Sallie Mae, trying to reach XXXX and XXXX XXXX. Any assistance or feedback you could provide would be greatly appreciated. XXXX. XXXX from Navient, trying to reach XXXX and XXXX XXXX. XXXX. Thank you. '' The employee XXXX, no last name, is in violation of the Fair Debt Collection Practices Act, 15 U.SXXXX Code 1692b, paragraphs ( 1 ) and ( 2 ), in that he : ( a ) furnished the name of his employer, Navient, without expressly being asked for it, and ( b ) stated the full names of two debtors in conjunction with the employer name which discloses that they owe a debt.

Further, taken together, this action also violates FDCPA, 15 U.S. Code 1692c ( b ), in that the debtors could not have granted permission to Navient to speak with me being that they do not know me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so tired of going back-and-forth with this the bureau you are allowing the same fraudulent company XXXX to consistently re-age and re-report a fraudulent account. The funny thing is every time I call you guys immediately take it off and admit that it is a fraudulent account but every few months we have to go through this so now I'm coming to look at some of finance protection bureau for some help. They change the dates or the amounts slightly in order to continue this XXXX. The account numberer XXXX IS XXXX I SICK OF THIS SOMEONE NEEDS TO DO SOMETHING IMMEDIATELY AS SOON AS I TOOK MY FRAUD ALERT OFF MY CREDIT TO APPLY FOR A HOUSE YOU GUYS ALLOW THIS TO HAPPEN AND THEY DESTROYED MY CHANCES OF ACQUIRING MY HOME MY PART OF THE AMERICAN DREAM AND WORSE I LOST MY XXXX ESCROW. Also you guys wiped out all my good credit causing XXXX XXXX and various others to close down my accounts for a fraud account but left all the fraudulent inquiries that were linked to the accounts where the XXXX does that make sense. These address have are fraudulent that has been reinserted that's has been to various accounts that's has proven fraudulent and thus removed for my credit. 
XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, FL, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax unlawfully created a new credit file on me, showing no credit history and thus a low FICO score, causing my existing credit accounts ( personal and business ) to have interest rates increased and lines of credit ( LOC ) decreased. Much financial harm was caused during the time it took Equifax to find my lost file. Now I address new concerns, as follows. 

I have been disputing unrecognized inquiries into my perfect credit history for a couple of years and have been denied every dispute, without being provided actual proof of the validity of each and every inquiry. They simply verify it with a third-party company and say it has been verified, often within minutes of filing an actual dispute. 

Below are the inquiries which I do not recognize and most certainly did not authorize by these creditors. No new accounts ever resulted from the inquiries. I am a past victim of identity theft many years ago. 

XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX My personal address on file are : XXXX XXXX XXXX, XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ( Office ) My Date of birth is : XX/XX/XXXX Name : XXXX XXXX XXXX Last Four of SSN : XXXX These inquiries are causing me to be denied credit for no other reason than excessive inquiries, which drastically affect my FICO score and affect the rates I pay on personal and business credit. 

Please have these inquiries immediately removed from my credit file. Thank you in advance for your understanding and consideration.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

XX/XX/2018 XXXX XXXX has opened a PayPal account in my name using my social security number. BY LAW PayPal is to get in contact with me before checking my credit THEY FAILED TO DO SO. XXXX XXXX sent a pair of shoes to my mothers vacant house. My mother stated she shes was going to see if any mail came and she notice a box from XXXX XXXX with my name on it from PayPal. I live in XXXX not XXXX so i called PayPal and they said they did check my credit and didn't know????. my credit has a freeze on it and some how let it go though. XXXX XXXX has been after my credit for months i have all police reports and PayPal let it happen. Now they are not responding to me.
Product: Mortgage

Ancient Mortgage Satisfaction of Mortgage was never filed with the County of XXXX, NY from XXXX XXXX XXXX XXXX. Pentagon Federal CU is the successor of XXXX. Due to being unable to satisfy this request prior to house sale, we were required to put $ XXXX in ESCROW until we can get the satisfaction of mortgage filed and a copy to the title insurance company. 

Pentagon Federal CU consistently refers to the mortgage they held for us for $ XXXX. This mortgage has been released and the satisfaction of mortgage has been filed. 

XXXX XXXX XXXX XXXX XXXX mortgage filed LIBER 6834 Page 66 Pentagon Federal CU XXXX mortgage filed LIBER 11671 page 0916
Product: Credit reporting or other personal consumer reports

I just switched insurance companies, and was looking at my driving history. On my CLUE by LexisNexis report, it shows that I made a claim onXX/XX/2023 for glass replacement. 

This is incorrect. No claim was ever made. I looked into what my glass deductible was, if I were to want to make a claim, but the deductible cost more than paying out of pocket to replace the windshield. Nothing was ever submitted, and this false claim is increasing my auto insurance premiums. This needs to be deleted from my record, as well as my husbands ( XXXX XXXX ) record.