23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had internet service years ago with XXXX XXXX and cancelled due to poor internet and service. I was notified in XX/XX/XXXX and spoke with an agent of Resurgent that I needed documentation of the validity of this debt as I was never notified of such debt. XXXX XXXX I disputed the claim in writing to Resurgent still waiting for verification. The only thing they can come up with is a date that they were told it originated, a XX/XX/XXXX date it was charged off, and a date they acquired it for LVNV Funding who bought the debt from XXXX. I am not in the habit of paying just because someone says I owe them..I need month and dates of this service for verification of its validity as I have never been notified of this in the past..
Product: Mortgage

In XX/XX/2020 we became eligible for automatic payments on our mortgage. The representative for the lakeview XXXX XXXX told us we could use a credit card on the account for automatic payments. We called back with the credit card account and routing number for them to take and they accepted it. We did not find out until the month after that the payment did not go through. We contacted Lakeview and they said they actually do not accept credit cards for autopay. We paid both months and switched our autopay directly to our checking bank account.

Until we tried to refinance a little over 6 months ago we didn't know that this incident had been negatively reported on our credit. Due to lakeviews employees giving false information, it is their fault we have a negative mark on our credit report. We escalated this problem through lakeview and their team denied taking it off our report without even listening to our recorded phone conversation like we had requested. We then contacted a manager to let them know what their escalation team did, they said they would take care of it and requested us to ask in writing, so we did. We never heard back from their manager. We have since escalated it a second time with a different manager and have once again gotten no word back. We then reported to XXXX what they did and XXXX wasn't able to help us either. 

This is our ONLY negative marking on our credit report and have desperately attempted to resolve the issue in every way we can. We have been extremely mistreated by this company. We need your help please.
Product: Vehicle loan or lease

I lost my job and yall got the car bk so y am I charged so much
Product: Credit reporting or other personal consumer reports

Please be advised that this is my THIRD WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report you are in violation of 15 USC 1681. On XXXX XXXX XX/XX/year> I have requested that you investigation and reinvestigation. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first and second investigation, you stated in writing that you verified that these are being reported correctly. Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual there address, and telephone number. Also, why did you not send me copies of the verification like I asked? As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the account they report on and their responsibility must consist of something more than merely parroting information received from other sources. The court have order that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ) .You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' XXXXXXXX XXXX XXXX XXXXXXXX Never Late XXXX XXXXXXXX Never Late XXXX XXXXXXXX UNKNOW ACCOUNT XXXX Never Late XXXX Never Late, XXXX XXXX XXXX XXXX NEVER LATE
Product: Student loan

I have several federal student loans through Navient that were taken out in 2005 for XXXX XXXX XXXX XXXX XXXX. Through the years I have not been able to pay so I have been enrolled in an Income Based Repayment Program, which after so many years my loans would be forgiven IF I renew every year. Every year for about XXXX I have had no problems, until last year. I, like so many others lost their job during Covid lockdowns and safety measures. So I ended up on unemployment, making less than the previous year - which like so many years my XXXX XXXX XXXX XXXX ( XXXX ) annual renewal had zero problems. But when I make less money, I get repeatedly denied - just like this year when I applied in XXXX, receiving my rejection letter on XXXX. Currently I make less than {$1000.00} a month. Per the laws I am entitled to financial help, which Navient has denied for a second year in a row. Last year after literally yelling and screaming on the phone I was able to get my XXXX instated after seven months of fighting. And even then I was lied to because I was told I would only have to pay {$17.00} a month but actually paid over {$24.00} a month, so you can see I have zero trust for Navient and its practices due to their repeated disingenuous actions. 
This years rejection letter stated that because I am paid XXXX out I am not eligible for financial help. Why am I paid 12 months out? Why do I continue to be rejected when I make even less money each year for the past two years? No one will answer me in the multiple attempts trying to contact Navient. It is my belief since my loans would be forgiven in about XXXX Navient is now trying to ensure that I fail at my renewal so they can up my monthly payments, and ensure that my loans never are forgiven. Since I had so many years of successful annual renewals for my XXXX program, its really the only avenue I see from their repeated behaviors over the past 24 months. Also since the loans have been issued I have received at least three class action suit payments due to Navient 's blatant infractions, which reinforces my belief that Navient is now being disingenuous and again attempting illegal business practices ; because after all the crime is more than the fine these days. And lastly I believe I illegally paid Navient last year and now they are trying to cover it up saying I am paid over 12 months out. Thank you for your time and any help in regards to this matter.
Product: Mortgage

While in the process of refinancing my home on XX/XX/2017 the loan processor attempted to obtain a payoff letter from Shellpoint Mortgage Servicing sent directly to XXXX and was told it would take 48 to 72 hours to send. On XX/XX/2017 loan processor was told I being the mortgagee could only request the letter which I did that day and on XX/XX/2017 on those days was told the same thing 48 to 72 hours to process the letter, on XX/XX/2017 made another attempt to request the pay off letter I was told i would have to authorize in writing which was done when original request was made to Shellpoint by the XXXX loan processor also that this request would take 3 to 5 business days, also that Shellpoint is a collection agency that purchased my loan several years ago and that my original loan is at 7.3 % interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was stolen and misused by a company without my knowledge or permission. The following accounts must be removed from my credit report immediately because it is not my information. I have filed complaints with law enforcement and the FTC. 


Remove the following false accounts Immediately : 1 ) XXXX XXXX XXXX   {$3200.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$6000.00} XX/XX/XXXX 3 )  XXXX {$4500.00} 4 ) XXXX XXXX XXXX ( Someone Paid ) XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I Am Not Liable For This Debt With BB & T And Do Not Have A Contract With ( BB & T ) They Did Not Provide Me With The Original Application As Requested.
Product: Checking or savings account

Dear CFPB Team, I am writing to file a formal complaint against Capital One regarding a prolonged account lock issue that began on XX/XX/year>, and has caused severe financial and emotional distress for my family and me. On XX/XX/XXXX, my husband, a joint account holder, attempted to log into our account while in XXXX attending a funeral. After multiple unsuccessful attempts, the account became locked with instructions to call customer service. Despite my status as the primary account holder, the verification process required my husbands details. Over 30 calls were made that day alone, during which customer service repeatedly instructed my husband to submit identity verification via email, including pictures of his ID or passport. Each time he completed the process, the system confirmed successful submission, yet calls were either disconnected, or customer service claimed the verification was not completed. This process was repeated multiple times, resulting in immense frustration and significant expenses due to international call charges. 

On XX/XX/XXXX and XXXX, XXXX, as well as during two additional visits earlier that month, I visited our local Capital One branch for assistance. The bank manager, XXXX, was extremely helpful and attempted to resolve the issue by contacting the XXXXXXXX XXXX XXXX XXXX  ( XXXX ) team multiple times. However, the XXXX representatives were unprofessional and rude. One representative, whose name might be XXXX, accused me of lying about the verification process despite my providing screenshots confirming submission. He raised his voice, called me a liar, and hung up on us while on speakerphone in front of the bank manager and another staff member. During these visits, XXXX provided a direct number for my husband to call from XXXX, but it turned out to be the general customer service line. Despite multiple calls and verification attempts using both his passport and state ID, the issue remains unresolved. 

This situation has left my family without access to our funds. Our primary account, as well as our childrens accounts, are locked, preventing us from paying bills and accessing necessary resources. This has compounded the emotional toll of mourning a loss and dealing with funeral arrangements overseas. We respectfully request immediate intervention to unlock our accounts and address the issues caused by Capital Ones mismanagement and unprofessional conduct. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX. was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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. 


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


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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent certified letters to Experian regarding the inaccurate and unverifiable items on my credit report. To this day, over 45 days ago I still haven't received a response. This has caused me great stress because I've been denied credit due to all of these bogus items on my report. My report showed multiple wrong names, addresses and unknown accounts. The Fair Credit Reporting Act Section 611 ( a ), plainly states, that a consumer reporting agencies shall provide written notice to a consumer of the results of a investigation no later than 5 business days after completion of the investigation and that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. I demand that these inaccurate and bogus items be removed immediately. It has been over 45 days so my next step will be to file for litigation due to the stress I've been caused. My information was also impacted by the XXXX data breach and someone may have gotten my information.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and My information was compromised in a data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with the Equifax and with the creditors the referred accounts, and requested proof of consumer contract and proof of payment history as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. XXXX  XXXX XXXX XXXX responded to my request that they were not able to send proof. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I have disputed these accounts with Equifax and they always respond that the creditors " VERIFIED '' the account. I HAVE NEVER ASKED FOR VERIFICATIONS, I HAVE DEMANDED PROOF OF ACCOUNT AND OF THE LATE PAYMENTS. NO PROOF IS EVER PRESENTED. 

THEY ALWAYS RESPOND TO MY DISPUTES WITH " ACCOUNT WAS VERIFIED. '' I DEMAND TO SEE PROOF!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting on my consumer report and the amount has been settled. XXXX XXXX is reporting false information. Reporting inaccurate information is a violation to the Fair Credit Reporting under 15 USC 1681s-2 ( 1 ) ( A ) This item should be removed from my consumer report immediately.
Product: Mortgage

I am attempting to FHA streamline refinance with Nationstar Mortgage NMLS # XXXX. They have changed the terms of the mortgage 4 times and fees etc stringing me along telling me it 's been approved or is pending final approval or must be finally re-approved. It does not seem like they are acting properly. Here is a recent email exchange, I sent a message saying " I have signed your third change of terms for the loan. If you try this a fourth time I will not be happy. ". They replied with a message saying " we had to make an adjustment to the rate, we had to lower the rate from 4.75 to 4.50 %, this is the adjustment that we have to do again today, because the 4.75 % rate does not benefit you. ". Yesterday they told me the 5 % rate does not benefit me so they had to lower it to 4.75 %. All I wanted to do mainly was remove my in-laws as co-signers and close the loan. Will this ever end?
Product: Debt collection

I opened an account with capital one in XXXX, my payments were made on time for a complete year. I fell short in income from being in college, and also becoming XXXX in XXXX. I spoke to a representative regarding what took place in my life. I made every payment I could when I had funds to do so. My account still fell behind 120 days. I never received a call, email, or letter regarding collections, even after speaking to someone about a payment arrangement for {$500.00}. In XXXX I was able to start back working, and made capital one my first priority to pay off anything owed to them. The account was paid in full and closed. I have tried reaching out to this agency numerous of times asking for forgiveness, and all late payments to be removed. It is causing myself and my child to not go forward with finding a new home and car, do to every one denying me over a one time late payment, that was taken care of. Despite that this company has my name spelled wrong and also input my social security number wrong, I have still tried to work through this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX credit report XX/XX/22 and I see my score decreased due to a Bank of America credit check. I absolutely have no account or have ever had an account with Bank of AmericaXXXX
Product: Debt collection

Around XX/XX/XXXX, I started receiving phone calls from Douglas Chancellor Meyers & Associates stating they were a debt collection agency and I owed {$29.00} for something. I hung up on them a few times over several days because I had no outstanding debts and considered it a scam. 
I received a letter on XX/XX/XXXX stating it was for XXXX XXXX XXXX XXXX XXXX XXXX. Again, I thought it was a scam because I never received a bill from the principal. 
The last time I saw XXXX XXXX was on XX/XX/XXXX for a consultation. I was billed {$220.00} for that office visit in XX/XX/XXXX, and mailed the balance due to them that month. 
All of this could have been avoided if XXXX XXXX would have billed me directly first instead of giving it to a debt collector. 
I have informed the operator at Douglas Chancellor Meyers & Associates twice in the last 2 weeks that I have paid the bill and to stop calling me. They continue calling, 1 to 3 times a day with a recording. The last call was today ( XX/XX/XXXX ). I pushed the " 0 '' option to talk to someone again, did not work. 
I attached the 2 letters I sent out to both parties. I can send the letter Douglas Chancellor Meyers & Associates sent me if needed - have to get it scanned somewhere first.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX - {$1200.00} XXXX XXXX - XXXX - {$810.00} XXXX XXXX XXXX - {$0.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit card or prepaid card

I was XXXX from XX/XX/XXXX - XX/XX/XXXX. When I returned home and set up my online account for my US Direct Express debit Mastercard which received nearly {$15000.00} of back payment for social security XXXX payments ( XX/XX/XXXX - XX/XX/XXXX ), I discovered over 136 transactions for restaurants, utiltiies, court fees, legal services, car repairs, car loans, rent, cash withdrawals that were fraudulently made by the person checking my mail at my PO Box . I immediately confronted the person, who admitted to using my card without my permission and promised to pay me back. This was all of the money I have to survive on. 

When the suspect did not pay me back as agreed, I had to file a police report with the XXXX Police to dispute all of the charges. I also contacted all of large amount creditors who noted their file. 

On XX/XX/XXXX, US Direct Express unwarrantley denied my dispute and is further victimizing me by not accepting the dispute so that those unauthorized charges can be reversed. I have sent US Direct Express a demand for an explanation, and request to appeal that denial. And, further investigation has determined that a second suspect made unauthorized charges, and I have filed a new dispute for those charges. 

The amount stolen is approximately {$13000.00}.
Product: Credit reporting or other personal consumer reports

Recently I was looking at my credit report and was sent into a XXXX XXXX when I saw negative accounts and inquiries being wrongly reported on my credit report. This XXXX is causing problems with my work and I am in desperate need of a new car and I am unable to get one due to these horrible unauthenticated discrepancies that were wrongly verified by the bureaus without my authorization.