23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX Account # : XXXX I tend to dispute the items above. 
The college and collection agency failed to mail me a proper notification of balances. Nor is the balance accurate or justified. The courses were dropped and I did not receive the education. Failure to send proper notification in a timely manner is extremely unethical. 
If the above accounts can not be verified, they must be removed immediately according FCRA section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company. 
Please validate that this debt belongs to me, and please also show me the original contract agreement. I would also like to know the verification methods on the possible account as well.
Product: Credit reporting or other personal consumer reports

I've attached proof of LexisNexis inaccurate reporting their reporting and business practices is a violation of the FCRA, and I'll sue LexisNexis and enforce my laws under the FCRA if this information attached isn't removed from my consumer report immediately. 

Data furnishers ARE NOT ALLOWED TO REPORT INACCUARTE INFORMATION! 

FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US Court of Appeals for the Third Circuit Court case 115 F. 3rd 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

More than twenty ( 20 ) years ago, the Veterans Administration determined my XXXX to be XXXX and XXXX, XXXX XXXX   connected to my military XXXX XXXX experience. My purpose in contacting you is to object in the strongest possible terms the deceptive business practices of Experian that damage and harm all XXXX XXXX Veterans nationwide no matter where they are located. 

On one of the many screens displayed on Experians website, there is a simple fill-in the blanks form that calculates the all important debt-to-income ratios. While the form allows input for total debt, it does not allow a XXXX Veteran to enter tax free income. Instead, Experian calculations include a deduction for income taxes that are not due or paid, causing the Veterans personal income to be calculated as much as 30 % less than it actually is. The inaccurate ratio information causes a rippling negative affect throughout the Veterans entire personal credit file and ends with an undeserving lower credit score.  And my own Experian FICO Score is a typical example. This results in a diminished quality of life with unneeded stress and concern by those who dont deserve it at all. This injustice against XXXX Veterans by Experian must end. 

For example, my Experian credit file is extensive and covers 10 to 18 years of credit history. In my dozens of pages with financial accounts of every description, there is not a single derogatory comment and not a single late payment. My home mortgage account shows a twenty ( 20 ) year payment history which Experian describes as Exceptional. Other than my {$1300.00} monthly mortgage, I do not have any other debt against my {$4800.00} tax free monthly income. In fact, Experian describes ALL of my current debts to have an " Exceptional '' payment history. 

My long term relationship with XXXX and their credit cards provides access to my current XXXX  FICO Score through their excellent website. As of this date, my current XXXX FICO Score is XXXX. The President of my bank told me he never met anyone with a FICO Score above 800. 

Yet my current Experian FICO Score is XXXX based on the exact same credit file as XXXX. 

No credit bureau except Experian claims a derogatory Exceptional Installment Debt in the amount of {$120000.00} which is my first lien home mortgage. This is a custom home built for me in the beautiful XXXX  XXXX where I live. 
According to Experian, I am financially unqualified for the home mortgage Experian reports as Exceptional payment history for the last twenty ( 20 ) years - and I do not even qualify to rent a decent place to live. 

How stupid is that?
Product: Mortgage

Around XX/XX/XXXXare Saxon mortgage increased the interest rate up to about 12 %. We were not financially able to keep up with that because our payments were almost {$3000.00} a month. Because we could not pay the total mortgage each month. All the extra fees kept on adding and adding for a period of 2 years when Saxon started foreclosure proceedings against us Saxon finally granted us a loan modification and then sold the mortgage how about you went to Ocwen. Unfortunately all the extra fees transferred with it and were put on the back end of the mortgage which will result in us having to pay a balloon payment in XXXX. XXXX sold the mortgage to PHH mortgage which we currently have. We are paying about {$1400.00} a month but we do have about {$140000.00} deferred. I believe a lot of this {$140000.00} fees that were added on to us that should not have been since Saxon was declared a predatory lender. I don't know how to get the mortgage records from Saxon and unfortunately don't have the records here at home due to a flood in our basement and losing a lot of financial records during that time. Is there anything that cfpb can do for us to get us away from this balloon mortgage and extra amount that was tacked on to our mortgage.? I would like to retire soon!
Product: Credit card or prepaid card

In XXXX, I applied for and received a Citibank XXXX XXXX credit card. When I received it, I found out it required a {$450.00} annual fee, due immediately. I destroyed the card and called Citibank on XX/XX/20 to cancel the card. I spoke to a representative who convinced me to keep the card and she would waive the fee for the first year. They sent me a new card. I then received a bill from Citibank for {$450.00} and called them back. Another customer service representative told me that the first person was wrong and that there was no way to waive the fee. So, again, I told them I wanted to cancel. He asked me several times if I was sure and then told me to destroy my new card and that the account was closed. 

After that, I received one bill for {$450.00} and thought this was billing made before my cancellation. Yesterday, I received another bill and called Citibank. This time I was told that 37 days had passed since my first bill and therefore there was no way to avoid the {$450.00} fee. The representative now said she was successful in canceling my card, but I would still have to pay the fee. Of course, I was very angry, but the woman told me there was nothing I could do. 

Now I have no card and owe them {$450.00}. I will be sending them a certified letter tomorrow to escalate the dispute as suggested by the FTC. They say this prevents me from threats to destroy my credit score while this is being investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I discovered it back in XXXX. 

I filed an identity theft report with the FTC and sent in all my documents to the credit bureaus, XXXX, XXXX and XXXX. 

Navy Federal Credit Union removed the fraudulent account from XXXX   and XXXX but continued to report the fraudulent account to XXXX. 

I sent in a second letter to Navy Federal Credit Union letting them know this account is fraudulent and it should be removed from my XXXX credit file just as it was removed from my XXXX and XXXX credit file. I sent this letter on XX/XX/XXXX in which I have attached the certified mail receipt to this complaint. 

A second letter got sent on XX/XX/XXXX in which the letter and the certified mail receipt are both attached to this complaint. This letter was requesting business records of this fraudulent account that Navy Federal Credit Union claims was my account. In accordance with section 609 ( E ) of the Fair Credit Reporting Act they have 30 days upon request to provide such documentation. I still have not received any documentation in the mail supporting their position that this account belongs to me. 

I have filed a police report and signed and notarized a sworn affidavit that this account does not belong to me and should be removed from my credit file. 

Navy Federal Credit Union violated my rights under the Fair Credit Reporting Act by not removing this account and by not providing me with business documentation proving this account is mine. 

In addition to my civil rights being violated they have violated their subscription agreement with the credit bureaus in which I have attached to this complaint as well. I have educated myself with the Metro 2 compliance rules and regulations and Navy Federal Credit Union is required to report accurately with each credit bureau they have a subscription agreement with. They are only reporting this fraudulent account with Experian but not the other credit bureaus, how is this in compliance? 

Further questions, how does Navy Federal Credit Union reserve the right not to abide by the Fair Credit Reporting Act? Are they able to deny  requests of information? 

I have attempted to call Navy Federal Credit Union several times to work this out and each time they tell me they can not and will not do anything because they believe this account belongs to me yet they have failed to provide me with such documentation to support that claim. 

Navy Federal Credit Union is slandering my reputation and preventing me from moving forward with my life. This is defamation of character at its core. I have provided every piece of documentation requested of me to get this fraudulent account removed and Navy Federal Credit Union has not been responsive to my most basic requests.
Product: Credit reporting or other personal consumer reports

These companies such as Louisiana recovery services, XXXXXXXX XXXX XXXX Also XXXX XXXX XXXXhats XXXX my credit report is reporting fraudulent inaccurate information to my credit bureaus such as XXXX XXXX, XXXX, & transunion. I have requested that they provide me with a purchase agreement or letter stating its actually my accounts so I may review to see if it actually mine or not. They are violating my laws such as 15 usc 6802, 15 usc 1681b, and 18 usc 1028A. I ask that this be investigated immediately and took of my credit report and also I would like a letter showing that they are being closed and deleted off of all credit bureaus please and thank you.
Product: Credit reporting or other personal consumer reports

There is a fraudulent account on my credit report from your company. This information does not belong to me. I have attached a copy of my driver 's license and the police report as well. Please feel free to contact me if you have any questions. The account details are listed below.

1. IC System, Inc : Original Creditor : XXXX XXXX- Balance : $ XXXX- Acct No Beginning in : XXXX - Reported on : XX/XX/2024
Product: Debt collection

I contacted this company by certified mail on XX/XX/2018 and as of today date I have not yet had response from this collection agent as per the Fair credit reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy and the Fair credit reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy. My request to First Data Merchant account number XXXX for the sum of {$230.00}. I have explained that this account is unknown to me and I require FULL validation for this account that includes. It is now 57 days after my certified request for validation. Pursuant to the Fair Debt Collection Practices Act you have failed to provide me under the CREDITOR /DEBT COLLECTOR DECLARATION the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor 3. Any insurance claims been bade by any creditor regarding this account 4. Name and address of alleged debtor 5. Alleged account number 6. Address on file for alleged debtor 7. Amount of alleged debt 8. Date the alleged debt became payable 9. Date of original charge off or delinquency 10. Verification that this debt was assigned or sold to collector 11. Complete accounting of alleged debt 12. Commission for debt collector if collection efforts are successful.

I request that you follow compliance and remove this entry from my 3 bureau credit reports.
Product: Student loan

Earnest refuses to allow me to enter auto pay to my detriment. They are unlawfully collecting $ XXXX in additional interest. 

Their privacy policy is not compliant with the CCPA. 

Their website is not XXXX compliant.
Product: Debt collection

I have been making payments to this collection agency since XXXX for a XXXX  XXXX. The balance for 2 service dates was originally {$2200.00}. I have made payments in the amount of {$510.00}. My balance should be {$1700.00}. I confirmed this with the original creditor ( XXXX XXXX ). I spoke with XXXX XXXX from XXXX and confirmed the balance they show is {$1800.00}. XXXX confirmed that the collection agency is charging me interest on this medical bill. I was never notified of this being in place by either the collection agency or XXXX. I spoke with PFC on XX/XX/XXXX and they were unable to provide any proof that this notification was ever presented to me.
Product: Credit reporting or other personal consumer reports

The company is reporting a car loan that is not my social security number on my credit report from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am highlighting persistent errors related to an account on my credit report. Even after submitting multiple disputes and providing comprehensive evidence to demonstrate these inaccuracies, no corrections have been made, and the incorrect information remains. 

As mandated by the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681i, you are required to maintain 100 % accuracy in reported data. Failing to update or remove the inaccurate information constitutes a violation of this requirement. I demand a full and immediate reinvestigation to ensure that my credit report is corrected and reflects only accurate and verified details.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion, XXXX, and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX Account XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged {$70.00} for a monthly parking service that I was no longer signed up for. I had called the company at the beginning of this month and they stated the refund would be back in at least 7 days so I did not attempt to cover the costs since they had that 7 day promise. It is now XX/XX/XXXX and no refund had been established and now my credit score is taking a dive because XXXX XXXX XXXX XXXX can not establish their funds back to my card. I paid the charge to my account just so it wasnt going to be a running balance but I am planning on buying a house soon and this parking company is compromising my livelihood and it is out of my control.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I was a part of a data breach with XXXX XXXX XXXX XXXX XXXX XXXX i never tried to get a car or credit card during this time these are not my hard inquiries
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$830.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX
Product: Student loan

My original loan amount borrowed was {$25000.00} the added fees made it {$28000.00}. To date I have paid back {$31000.00}. {$20000.00} of that has been interest and {$10000.00} has been principal. Technically without further interest I would owe some where around {$18000.00} in principal. My current balance is {$33000.00}. When I requested a payoff, the company said my pay off would be {$34000.00}. Which is even more that the current balance. I have offered to settle with the company to pay the principal of what I should owe. They refused. I am being charged {$40000.00} interest on {$25000.00}. This is ridiculous. I want to settle this, however this is robbery!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I found late payments on my most recent credit report, which I'd like to get removed as soon as possible .According to my research, the federal law 15 USC 1605 ( a ) finance charge is defined as a " sum of all charges '' payable directly or indirectly by the individual to whom credit is extended, and imposed directly or indirectly by the Creditor as an incident to the extension of credit or lease, there is no such thing like late payments should be in my credit report. It is clearly a violation to the law to report any late payments in my credit report that is fraud. Also according to the law Section 4021 ( ii ) ( I ) states that you shall report the account as current the program regulations states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to my consumer rights it is a violation of 15 USC 1666b to report timing of payment. A creditor may not treat a payment on an 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. Also the information being reported is false there were never any late payments and the account is closed and paid off. The account was always in good standing. Spoke with representative of creditors XXXX XXXX and was informed that the late payments would be removed as they confirmed they have received the letter from XXXX XXXX XXXX informing that it was an error for it to be reported.
Product: Checking or savings account

On XXXX XX/XX/2022 USAA again put a 7-day hold on my payroll check, which is causing me to be subject to fees because I have automatic payment on some of my bills. This hold is causing my account to be subject to nonsufficient funds fees which USAA charges me. I would like them to be audited because there may be others who are being abused.
Product: Mortgage

Our loan was transfer from XXXX XXXX XXXX to Specialized Loan Servicing.  We made the XXXX payment to XXXX, but SLS send us a default notification and told us they were proceeding with foreclosure. My wife and I tried to call them on the phone and only once was my wife able to talk to someone and they refused to talk to her because my name was on the loan but she never had a problem with XXXX. We never received a normal loan statement from them in XXXX or XXXX, and we just received late payment and default notices. We have proof our payment in XXXX cleared to XXXX, but SLS says we haven't made a payment since XXXX. Every phone number SLS publishes on their website to call to talk to a person only leads to an automated system with no live person options unless you select the 3rd Party option which we are not 3rd Parties. They now want to foreclose on us before we have even made one payment to them. Our mortgage is {$420.00} per month and they want to charge almost {$600.00} in late fees and we can't even talk to them. Now they are starting foreclosure procedures even though we are only one payment behind because my wife didn't send the payment because she couldn't talk to them about the first payment that she sent to XXXX that they say they never received.
Product: Checking or savings account

I was charged a {$15.00} fee from my checking account at PNC on XX/XX/2020. I was not told what the fee was charged for, and I did not receive an alert that it was charged -- I only discovered it when looking over my bank statement after the fact. When I contacted the company, they told me that the fee was charged due to insufficient funds in my account, despite the fact that I had over {$8000.00} in my combined checking and savings accounts at the time. I received no alerts or warnings that the funds in my account were below the required amount ; I was not even aware that there was a required minimum amount. PNC 's representative ( who, I should add, did the best she could given the situation ) told me that this would have been in the literature I received when opening the account. But I opened the account eight years ago when I was XXXX years old, and as far as I can tell the minimum balance requirements are not clearly stated anywhere else.
Product: Credit reporting or other personal consumer reports

**Subject : Complaint Regarding Charged-Off Accounts** Dear CFPB, I am writing to express my frustration and sadness regarding the handling of XXXX charged-off accounts on my credit report : XXXX XXXX account and JPMCB AUTO. These accounts have been reported beyond the allowed time, which is a violation of **Section 605 ( 15 U.S.C. 1681c ) **. 

I am also concerned that they are violating **Section 611 ( 15 U.S.C. 1681i ) ** and **Section 623 ( 15 U.S.C. 1681s-2** ). I have been disputing these same XXXX items for the last XXXX  months, and despite my efforts, no updates or corrections have been made. This situation has left me feeling powerless and deeply affected my financial well-being. 

I kindly request that you review this matter in detail and help facilitate the immediate deletion of these inaccurate accounts. It is disheartening to continue facing these challenges, and I hope for a resolution soon. 

Thank you for your attention to this matter.