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

Ditech accepted a settlement offer of {$1900.00} in XXXX of 2018. We had to pay it by XX/XX/2018. I followed all directions as to how, where to send it, all. I have payment confirmation and signature confirmation they received payment in the XXXX of XX/XX/2018 by certified check. Ditech has payment received XX/XX/2018. We were told that the money was applied to regular payments instead of a payoff. They apologized but never got it straight. We were told due to conversion they were having problems. Told so many things. We have had continual problems since. All three credit bureaus have received negative reportings of 120+ days every month late since except one showed 90 days I think. We have contacted Ditech numerous times, almost monthly to get this straight. One month. XXXX was corrected, I think, that was all. We have documentation to prove, names, dates and times of phone correspondense. We have asked that the reporting stop months ago. We are still receiving calls, bills, and trouble with them trying to collect as well as the false reporting on the credit bureaus. Yesterday i was denied credit. My credit rating was badly affected. I filed disputes on two bureaus yesterday and will file the other today. Ditech should have this act closed, paid in full, and no negative reportings since settlement was accepted. Ditech has been contacted and told of this over and over and over for months! STill have not received title to property either.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE account being reported negatively as a " COLLECTION '' on my credit based on " Alleged '' default from XX/XX/2018, which is well past the four year STATUTE OF LIMITATIONS to collect. 
Midland funding is actively and aggressively making attempts to collect this debt, in direct violation of state law. 

Please Remove this inaccurate account in it's entirety ASAP per FCRA.
Product: Debt collection

This collection company has repeatedly called me for months nonstop which is very disturbing. According to 15 USC 1692c, 15 USC 1692d, and 15 USC 1692b Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number
Product: Mortgage

On XX/XX/2023, at XXXX ; I called Shellpoint because I was unable to get into my escrow account. I wanted to know/help getting into my account to see where my money was being applied and what payments were coming up next so I would be sure that there was enough money in my escrow account. 

With my previous mortgage lenders I was ALWAYS able to view my escrow account ; however Shellpoint, will not allow me to have access to my account until XXXX. I was told by the representative that it wasn't possible until XXXX, and I would be sent a copy of my escrow account. 

First of all it's my ACCOUNT and my MONEY, I have the RIGHT to know where my money is going. The online account ONLY shows the amount that's currently in my escrow account! I HAVE BEEN DOWN THIS ROAD BEFORE WHEN MY ESCROW ACCOUNT HAD A SHORT FALL. I WANT TO BE ABLE TO SEE/WATCH MY ESCROW ACCOUNT WHENEVER I WANT TO!!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is wrongfully reporting a XXXX-day late payment on my credit report. The derogatory entry is dated XX/XX/XXXX on a XXXX XXXX XXXX  ( Student loan ) account. I have disputed this reporting error more than XXXX times with TransUnion and have sent a 'Method of Verification Request ' letter on XX/XX/XXXX. However, to date the reporting error has not been deleted nor have I received a specified response to my 'Method of Verification Request ', detailing how, when, and with whom this account was verified at XXXX XXXX XXXX The XXXX XXXX XXXX student loan servicing department was terminated in XXXX and when I called XXXX XXXX they were unable to verify any information regarding this account because they deleted all data of student loan holders and their payment information. Since no information regarding the XXXX XXXX XXXX  account can be verified, I would like this reporting error of a late payment dated XX/XX/XXXX to be deleted from my credit report. No other credit bureau is reporting a late payment on my credit reports. None of the other credit bureaus are reporting a late payment on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get some incorrect information investigated on my credit file and none of the bureaus have responded. I have tried twice already and I still haven't received anything??? The first letter to each company was send on XX/XX/XXXX of this year then XX/XX/XXXX How is this right? I gave them all the documents they website indicated would be needed to investigate things so they can't use that as an excuse.
Product: Vehicle loan or lease

On XX/XX/2022 I entered into a simple retail installment contract with XXXXXXXX XXXXXXXX XXXX XXXX  also known as Bridgecrest. I was mislead to believe that I needed to commingle a cash down payment and that this was a loan. I was told I had to put an cash down payment of {$2800.00} down. I signed a promissory note along with a security agreement which created a negotiable instrument. Earlier this year my vehicle was then stolen by this company they are now falsely reporting and interfering with my pursuit of happiness. There is a great deal of fraud and misreprsentation invovled in this transaction and Bridgecrest/XXXX needs to be held liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEVER LIVED AT ANY ADDRESS OR HAD THESE NUMBERS THEY WONT REMOVE THEM ( XXXX ) XXXX Cellular ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX Under dispute Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXXXXXX, CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXX, CA XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX  CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family Date of birth
Product: Student loan

Hi there! I'm restarting my student loan payment with Nelnet from great lakes. Last month in XXXX I created my account and saw the payment was not due until XXXX  XX/XX/2023. I went in XXXX  ( XX/XX/2023 ) to make my first payment and they locked me out of paying the loan until XXXX. They will not credit me until XXXX  XX/XX/2023. They said I'm late even though I'm days early. I don't get paid until XXXX they make it impossible to make a good faith repayment. Also they make it due on a day I can't pay. How is that fair? They apparently only process payments on business days but I made mine on XXXX  XX/XX/2023. Nelnet does not make it clear anywhere they only process payments on weekdays. I would have made arraignments to make a good faith payment before if I had known. Nelnet is purposely engaging in deceitful practices in order to get their customers to pay late fees. I'm worried this will hit my credit too. I tried to reach out but they make it impossible to do. I was never able to reach anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 section 602 A.I have the right to privacy.15 U.S.C . 1681 Section 604A section 2 : It also states, a consumer reporting agency, can not furnish an 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts, violated my rights. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPOR. 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.

You as a consumer reporting agency must exercise your grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy and to maintain maximum possible accuracy to consumer reports, right now I am letting you know the reporting of this item below is inaccurate and must be deleted. 

XXXX ( XXXX ) This company XXXX is reporting a false charge off to my consumer report, they openly admitted that there was no 1099c form file and its not a charge-off in their system, so how are you reporting it as a charge off account? did you even verify the 1099c form before putting this as a charge off on my credit report?? Im starting to question your verification process!!! Do you think you are above the FRCA with reporting inaccurate and false information? I demand this account get removed immediately. 

XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

ATTACHED IS DUVERA ADMITTING THEY DID NOT FILE A 1099C FOR THIS ACCOUNT I AM NOT A CREDIT REPAIR COMPANY
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. I am writing to formally dispute the inaccurate information reported on my credit report by XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this account. If the information can not be verified, it must be deleted promptly.I am disputing the validity of this debt in its entirety, the account in question is reported by XXXX XXXX XXXX XXXX  and appears on my credit report with the following details : reported on XX/XX/XXXX, with a balance of {$1200.00}. The account is listed as " Closed '' with a status of " In Collections/Charge-off. '' The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The remarks include " Charged off as bad debt '' and " Profit and loss write-off. '' I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from XXXX XXXX XXXX XXXX, as required by the FCRA Section 809 ( b ) ( Validation of Debts ). According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is a discrepancy in the reported balance and credit limit. The balance of {$1200.00} is shown as 136 % of my accounts limit, which is not accurate or reasonable. Additionally, the account shows a past-due amount of {$1200.00}, which does not align with my records. The presence of this incorrect charge-off and collections status is negatively impacting my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Therefore, I am requesting that you review all recent statements and payment records associated with this account, including the most recent credit report. The balance, account status, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
Product: Student loan

It has been over a year since I sent the first complaint to CFPB regarding Navient and still nothing has been done ... During this year I have been doing all the research that I could to find out what my options are for repaying because Navient refuses to disclose those options. I have verified those options with the Navient representative and was told that they exist. We have discussed them at length and concluded that reaching a settlement was the option left. Since my funds were limited I have asked friends and family to help me come up with a sum that Navient could agree with. After many months of going back and forth and several representatives later, I was able to reach a settlement amount. This settlement and the terms were verified by XXXX, the rep with employee # XXXX at Navient. She told me that it was all approved and I can send it the money. I requested that I receive a letter with that approval as well as listing the amount and terms on that letter. She refused to send one and that 's when I filed a complaint with CFPB. I did n't get any calls from Navient to address this complaint but instead I got a letter with a totally different amount and terms. When I called back she denied that she agreed to anything and that I need to make up my mind and pay and hung up. I called back several times and after many calls she finally admitted that there was an amount agreed but that it was out of her power in what happened. After few more calls and pushing to get information I was told that her manager XXXX XXXX and the director of Portfolio Management department named XXXX XXXX, decided to not fulfill the agreed upon amount and terms for settlement and was told that now I owe the full amount otherwise I will be taken to court. I was also told that they have the power to come after any penny I make as well as force the sale of anything in my possession or ownership. How long is Navient allowed to exist with these type of business practices? Where is the oversight of such a bully? Does anyone even read these complaints at CFPB?
Product: Credit card or prepaid card

Lowes stated " see if you're pre-qualified with no impact to your credit score. '' I submitted my info and within about 3 seconds I got an alert that my credit score dropped 3 points. They're lying to people! See attached screenshots.
Product: Debt collection

This company never validated the debt and this needs to be removed from my credit report. I am now being harassed by another company XXXX XXXX XXXX. You can not owe the same alleged debt to XXXX different companies.
Product: Credit card or prepaid card

Last XXXX ( 2019 ) I flew from XXXX to Texas on Frontier. The stewardess made an announcement regarding the Frontier credit card. She promised a certain amount of bonus miles as well as promising that the annual fee of {$79.00} would be credited back to the account if a certain amount were charged to the card within ( I think ) the first 30 days. She passed out the applications, I verified with her the promotional agreement re bonus miles and fee. I received the card and used it immediately, satisfying the terms she stipulated. 

When I received my first statement, my charges AND the annual fee were pending. I called Barclays who claimed to know NOTHING about such a deal. The representative I spoke with suggested I wait until the next statement to see if the annual fee were credited back to me then. It wasnt. So I called again only to be told they couldn't do anything for me, that it was Frontier 's responsibility. At one point I was told that if I had only called within 60 days, they could have closed the account and refunded the annual fee. My original call was within 60 days. I paid off my charges and the interest on said charges, contacted Barclay again to close my account and notify them that I was disputing the annual fee only to receive a statement the following month with a late fee. Once a dispute is made to an account, it is standard procedure to freeze the balance there and send a report to the credit-reporting agency of delinquency. So I contacted them again. Their plan is to continue to add a late fee each month. 

I also called Frontier customer who referred the situation back to Barclays because  they were the bank. They intimated/stated that I had misunderstood the stewardess. I am neither unintelligent nor hard of hearing. Besides, I verified that specific information with the stewardess before disembarking. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX Acct. # XXXX XXXX XXXX XXXX SS # ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the company is XXXX  and im being disputing some information and they are just ignoring me, no respond, not result, i try with the collectors and others companies and nobody give me any proof o validation.
Product: Debt collection

XXXX XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX XXXX Consent to report my personal information I also dont remember doing any business with this company, do to XXXX XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as EXPERIAN, XXXX and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions. 
15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Product: Checking or savings account

Wells Fargo Checking Debit Card Replacements : XXXX - Present + Since XXXX every replacement ATM/Debit Cards were left as open/active accounts even though they were replacements and the accounts closed once the new card was activated + I believe employees were ordering new cards on new accounts and not replacements debit cards + I believe this is the same Issue that XXXX is prosecuting Wells Fargo Bank for currently + I have not contacted a Lawyer, another agency nor have I taken any other actions as I just discovered on Friday XX/XX/XXXX + I would like to be included in the case and settlement against Wells Fargo XXXX open a new case if this merits doing so + The bank claims that their " system '' can not determine who opened these cards nor can their " system '' identify why individuals were allowed to bypass their own XXXX & XXXX protocols that are federally mandated + Their solution was to close all accounts and cards and resend a new Debit card and I said that I needed to take action against them before I would authorize that
Product: Debt collection

I have sent letters to this company about XXXX bills that i do not have any knowledge of XXXX is {$360.00} and another for {$110.00} i sent them a letter on XXXX to let them know i had no knowledge of these accts and i have no contract with this company. i do not give them my consent on this debt.They are a third party collector and they legally can not collect a debt from me Under the FCRA
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Prepaid card

I requested a stop payment against a merchant name XXXX with my bank who is XXXX XXXX Account. I spoke to a XXXX over the phone to get this started. She told me I also needed to file out a form that she would send to my email. I received the form and was advised to sent the submitted form to XXXX. I have submitted this form NUMEROUS TIMES because they have Rejected my request to permanently Block After from any future payments out of my account. They keep sending this form back to me that I have had to make changes on each time because they're saying its missing info! Once I fill in the suspected missing info it still is sent back to me saying they are unable do a stop payment! Now mind you this last time I sent this form back I completely filled the entire page out without anything left blank and theyre still claiming missing information! I contacted them by phone again yesterday and explained to the rep what was going on but she didnt have the form in front of her to let me know what needed to be filled in or not she just told me to resend it. I told her I had filled in all the blanks so it shouldnt be a problem! But I got up this morning AGAIN and they have Rejected it again so what is the problem?! The merchant changed the dates they would be taking from my account and it isnt the same date I first gave XXXX the first rep I spoke to. I explained this also to the other rep I spoke to yesterday! The new dates and also the total amount in all they would be taking out my account in total would be {$28.00}! The date they would start taking from my account would be XX/XX/24 through XX/XX/24! I have put this on the form! They have Rejected it for me to put missing information! I will be sending a copy of the completed forms and the continous changes Ive made and it still isnt right apparently! I know I am sick of sending the same thing in over and over! To avoid all this I was told a form could be sent where I could file this form out WITHOUT having to print it off but unfortunately I had to go to a local store to print it off! I DO NOT MONEY TO KEEP GOING TO PRINT THIS FORM AND IT KEEPS GETTING REJECTED!