23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FDCPA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Product: Money transfer, virtual currency, or money service

On XXXX I sent them XXXX XXXX I sent them XXXX XXXX I sent them XXXX I tried to request a refund with cash app but they couldnt do it and they said try to request your money back from them but I cant they scammed me
Product: Credit reporting

There is a recent new address on my report : XXXX XXXX XXXX XXXX XXXX, XXXX SC, XXXX Also, there is a XXXX credit card that was opened in XXXX and not used since XXXX. That was closed and it is still showing open.
Product: Credit reporting, credit repair services, or other personal consumer reports

In approximately XX/XX/XXXX I secured an installment loan with XXXX XXXX to purchase a mattress. the loan was paid off in XX/XX/XXXX. 
I was advised be XXXX that in XX/XX/XXXX XXXX mailed a credit card to XXXX XXXX .XXXX   XXXX , XXXX , CA XXXX. Approximately {$6300.00} in fraudulent charges were made on this card. After many phone calls to them, XXXX   sent me a letter dated XX/XX/XXXX stating " The XXXX XXXX Fraud Solutions team has reviewed your claim and confirmed your XXXX XXXX account was used without your consent '' And also " You didn't make these purchases and because you have {$0.00} Fraud Liability ... you are not responsible for them '' However, on XX/XX/XXXX XXXX reported to Equifax that the matter was under investigations " with possible negative negative impact to my credit score ''. 
IT IS MY OPINION THAT XXXX KNOWS WHO THE ALLEGED FRAUDULENT PERSON IS. Prior to all the above, in XX/XX/XXXX,  XXXX, on behalf of its customer XXXX XXXX XXXX, tried to transfer {$4500.00} out of my XXXX XXXX checking account. Per XXXX, one of the addresses listed for XXXX XXXX XXXX was the same address that XXXX had mailed the credit card to, being XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXX debt bondage which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which is only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card

On XX/XX/XXXX at XXXX, while I was asleep. Chase Bank emailed me about a credit card that I did not apply for, and did a hard inquiry on my credit report dropping my credit score. I did not apply for and do not want a credit card from themz and as such never gave them permission to pull my credit report. 

When I called to inquire about the false application they said my account was sold to XXXXXXXX XXXX  and to call them... 

My current mortgage is through them, but only because they bought it from XXXXXXXX XXXX earlier this year, I would never choose to do business with Chase Bank. 

I believe they falsely opened an account in my name just to sell it, since the account isn't even officially open yet and they are already saying it was sold to another bank. 

Please close this credit card account and have them remove the hard inquiry on my credit reports. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! 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 Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX   Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$400.00} XXXX  XXXX {$4900.00} XXXX XXXX {$15000.00}
Product: Debt collection

I have contacted this company 3 times asking them to verify that I owe this debt according to the FCRA. Not only have they failed to respond in the required time frames, but they also never sent evidence or proof that I own this account. They have stated on my credit reports that I owe a debt of $XXXX, with the original creditor being XXXX. The 1st letter I sent advising that I was disputing that debt upon noticing it on my credit reports dated XX/XX/XXXX, they signed for and received as shown by the mail receipt on XX/XX/XXXX. I never received a response. I sent 2 more letters dated XX/XX/XXXX andXX/XX/XXXX, to which I never received the return receipts nor a response from the company providing verification of this alleged debt. Per FCRA, a dispute is supposed to be investigated and given a response upon 30 days of receiving notice, and they are in direct violation. The creditor also supposed to provide proof or verification of the account providing an original signature or contract showing ownership of the debt owed and they have also failed to do that. I have now received a billing/settlement statement from them dated XX/XX/XXXXXX/XX/XXXX, stating that I owe a debt of $XXXX, and this is also not what is reported on my credit reports. I want this item removed from all 3 bureaus as this debt is unable to be verified and is incorrect. Also, upon review of my XXXX   report, this same debt is showing as a charged off loan instead of a collection. This is very inaccurate since the other 2 reports show this as a collection and shows a serious error with their reporting.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate deletion or accuracies listed on my credit report, as the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. Please be aware that automated responses or e-OSCAR verifications are unacceptable for addressing this matter. Given the clear and repeated violations of the FCRA, I am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within the statutory 30-day period as prescribed by the FCRA. 

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

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act. ( Cfpa ) Specifically cash app failed to take timely and effective measures to prevent and address fraud in their platform leaving my account vulnerable and unprotected. Furthermore their dispute process was as they did not comply with error resolution requirements. Under the electronic fund transfer act. ( EFTA ) and regulation E. These actions have cause an inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Mortgage

On XX/XX/2022 I received a final notice from the XXXX XXXX XXXX regarding one of two parcels encumbered by my mortgage. My property taxes are escrowed and to be paid by my servicer, PHH. I called PHH and was instructed to email " XXXX '' with my loan number and relevant information- I did and did not receive a response. On Monday XX/XX/2022 at XXXX PM CST I sent a picture of the final notice to the above email and to " XXXX '' per PHH instructions with a request for update and timeline for payment - I did not receive a response. After calling PHH again at XXXX PM CST, I was instructed to resend the email to the escalation support email with the subject " Loan Number : XXXXXXXX ; Attention : XXXX ; Agent ID XXXX '' - I did. The agent on the phone, XXXX confirmed receipt and said he would get back to me with an update. I did not hear back from XXXX. 

On Wednesday XX/XX/2022 I sent a follow up email to escalation support asking for an update. I did not receive a response. At this point, the notice of the the delinquent amount and my name had already been run in a local newspaper and if the amount was not paid by XX/XX/2022 the property would go to a tax sale. 

After several more calls I was always told the tax department was working on it and they didn't have an update or estimated timeline for resolution. This was of course highly concerning giving the urgency of the matter. I did finally receive a call back on XX/XX/2022 - but to my dismay, the update was that they did not have an update or timeline for resolution. 

Fearing that nothing was being done and that no resolution was in sight, I paid the property taxes out of pocket on XX/XX/2022. I sent PHH a receipt for the payment, requested reimbursement and expressed my dissatisfaction with the entire process and lodged a formal complaint ( via email ) with a XXXX business day timeline for response. I have not received any form of response. PHH has not acknowledged my complaint, or attempted any resolution on this matter. 

PHH has shown a total disregard for my issue. I'm clearly just another file to them, but if this is how they treat their customers, something needs to be done. To be clear, I did not seek out PHH for a loan, my original lender sold the loan which was then sold again to PHH. If I had any say in the matter, I would never conduct business with PHH
Product: Student loan

Re : Discharge ( XXXX ) and XXXX XXXX. 

From the above heading XX/XX/XXXX I was eligible for social security XXXX Insurance and my next review date was determined after 8 years. XX/XX/XXXX and now XX/XX/XXXX. 
I have now attached the Certification -completed section 3 and had a physician sign. 

I have written to XXXX, recovery and National credit and XXXX XXXX Asking for Debt validation from XX/XX/XXXX and have not received anything from XXXX verifying the debt. 
I also asked for a previous statement of all payments that was transferred before they took the loan. 
I have proof of payment from XX/XX/XXXX until XX/XX/XXXX. 
As I was eligible for social security XXXX insurance from XX/XX/XXXX. 
I had previously applied for Forbearance in the month of XX/XX/XXXX. 
XXXX was deceiving ( me ) borrower, misallocating payments and steering me into costlier forbearances rather than income-based repayment programs. 
Deceptive Trade Practices Act, and the Nebraska Consumer Protection Act through increasing revenues by moving accounts of borrowers into forbearance or deferment To move my account to forbearance accommodated a delay in the processing of my renewal application, and violated the NW YORK Unlawful Trade Practices Act, the Nebraska Uniform XXXX fraudulently, deceptively, and illegally advertise, market, offer for sale, sell, and finance student debt relief services to thousands of consumers nationwide, including thousands of New Yorkers. 
I informed XXXX of my social security XXXX insurance from XX/XX/XXXX and mailed them several Copies via certified mail and registered mail. No Reply on documents to verify the loan and balance. 
In spite of knowing they still pursued the collection by forwarding me to XXXX XXXX and National Credit for a loan that they claim was in default. 
I got calls several times a day and on a Sunday from a local number XXXX XXXX and told the supervisor that I had sent documentation to XXXX on my discharge XXXX ( XXXX ) but pretended They had no file and was returning the case back to XXXX its on a prerecorded line. 


My loan was {$8500.00} and {$7600.00} was credited and the last offset payment of XXXX received on XX/XX/XXXX 
In XX/XX/XXXX they offset my account from XXXX social security funds of {$780.00} In XX/XX/XXXX they offset my account from XXXX social security funds of {$650.00} Come back in XX/XX/XXXX and take out from my XXXX social security funds {$480.00} From XX/XX/XXXX to XX/XX/XXXX I have paid the loan totaling {$7600.00} and they still try to use Ways to garnish my social security and tax loopholes. 

XXXX  cancellation of this income-based repayment plan is a common and pervasive practice conducted by employees of this company. 
XXXX profited by this practice, known as " recycling, '' by referring me to other agencies knowingly that I was on permanent XXXX and had my review date after 7 years. 

I tried very hard to pay my loan but due to unforeseen circumstances I am permanently XXXX now. 

Best wishes XXXX
Product: Credit reporting or other personal consumer reports

I still see inaccuracies on my credit report even after the credit bureaus furnished my report without written intructions to be modified. Date opened, last reported, last active and last payments are still inaccurate. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, transUnion and XXXX has violated my rights. 15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. I did not consent to have any of my reports furnished or modified.
Product: Student loan

During a call with a Navient representative while trying to lower my monthly payments she said I would be excellent candidate for Navient 's private loan consolidation. I was very glad to hear this as I have been trying for many years to have my monthly payments lowered, and can tell Navient does not wish to truly help me because they have XXXX XXXX XXXX XXXX XXXX on my student loans. Despite years of payments my balances never seem to actually lessen and I'm struggling to keep up. Navient knows this and has known it for years. 

When the representative told me I should apply for the loan consolidation with her over the phone I asked if I honestly qualified and she said again I'm an excellent candidate. Not even XXXX seconds after she said she submitted the details she said, " Unfortunately you weren't approved for the consolidation. '' So, I was never a good candidate then, she used me and my financial desperation to hit her loan quota. 

Navient refuses to release my parents from my XXXX loans despite telling me I COULD release them. Navient guided me to apply for a consolidation under myself only knowing I'd be denied. Navient harasses my parents and I incessantly even when payments are scheduled. It never stops with this company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and will spend the rest of my life attempting to pay high interest loans to a loan servicer who refuses to help the consumer. Navient is a despicable, predatory company and I just want to be as far away from this company as possible. My goal is to refinance my loans with another servicer but because of my financial struggles to pay Navient and Navient 's disregard to assisting struggling borrowers, my credit is not in a place to refinance elsewhere. 

When will something truly be done about Navient? I only wish to reduce my monthly payments and am at a loss where to go.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 ( a ) states I have the right to privacy 15 U.S.C 1681 section 604 ( a ) section 2 states a consumer reporting agency can not finish a account without my written instructions
Product: Money transfer, virtual currency, or money service

The paypal close my account..they say if I submit some of my requirement it will be 1 day process but it's already 2days .. 

XX/XX/2021 the transactions XXXX is the amount I already submit the same day But it's 2 days now they have no response XXXX my paypal account
Product: Credit card or prepaid card

Commenity Bank/ Bread XXXX was updating their system in XXXX and XXXX. I had a payment due and had trouble trying to make the payment because the system was down for days! I finally got through to make the payment but for some reason Commenity bank never processed the payment so now they are trying to charge me {$20.00} and my payment but I have a actual statement saying I made the payment and Thank You! The statement also includes the new XXXX random fee because I paid my purchase off so I should have a XXXX balance but when I called Commenity said my payment was returned because my bank account was frozen which was not true! I called my bank and they stated the account has never been frozen and that Commenity bank must never processed my payment through my bank. I want this issue resolved because I don't want this on my credit report!
Product: Credit card

XXXX XXXX is my bank {$310.00} was paid out of my account too XXXX according to XXXX XXXX service request number ( XXXX ) XXXX  denied receiving {$310.00} telling me they did not bill this Bank this has been going on since XXXX XXXX account number ( XXXX ) both XXXX XXXX and XXXX refuse to refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reports a 30+ day late payment on my XXXX XXXX account for XXXX XXXX. With this bank, I had automatic payments and online billing statements configured. However, my automatic payment profile was removed without consent or notification, and I received no electronic statements or other notifications informing me that my payment was not being made. XXXX XXXX claims I was receiving physical statements to my mailing address - even though I specifically had them configure online statements because I would not have physical address to this address for the majority of the year.As anyone can see based on my credit history, I am a responsible lender. All of my payments have been made on time and I do not believe that a bank that chooses to have outdated online systems and poor client communication should impact MY credit history.  I would like the late payment removed from my account due to XXXX XXXX not taking the appropriate steps to inform me that there was an issue. XXXX  and XXXX have already resolved this issue on my my report (I've attached my dispute results from XXXX  as evidence). For an unknown reason TransUnion chose not to make any changes, nor inform me of any reasoning. This is the basis of my CPFB complaint.
Product: Mortgage

We were unable to make our mortgage payments for a while and tried to apply for a HAMP which was denied by PNC Mortgage. At that point we made an agreement with the bank to do a short sale. We received a short sale offer which was denied by PNC. I believe the BPO that was sent to the bank was too high for a short sale property. The listed amount was as high as a house selling for top dollar in our neighborhood. We went to PNC Mortgage with a counter offer and that was also denied. I believe that PNC Mortgage is trying to for us into a foreclosure rather than accepting the offers for the sale. I had also written to PNC Mortgage asking for the information of our loan investor and never received a response.
Product: Credit reporting

I filed a dispute with Equifax re : XXXX XXXX XXXX account in reference to the status of the account. They in turn removed/deleted the account history but left the status of the account as is. The account history showed payments made on time, never late. My dispute was how/why are you showing the account history as good standing yet you put 31 days plus in the status for the same account. 
XXXX XXXX XXXX advised they did not report his as 30 days late. I spoke with XXXX analyst at Equifax who saw this discrepancy but yet say they have to investigate, They opened XXXX disputes for the same issue, XXXXand XXXX, the later which took one day to remove the account history which was correct. They seem to see the conflict but wont do anything about it