23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Original mortgage lender sold debt to new lender. Both failed to notify me of the new information. I had set up automatic payment with the old lender, hence my account was never late. The new lender then proceeded to report the account late to the Credit Bureaus. That is how I found out about the location to send payments. I immediately paid the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian violated my rights according 15 U.S.C 1681i ( A ) ( 1 ) ( a ) and 15 U.S.C 1681i ( 5 ) ( D ) they claim to have conducted a proper investigation into my dispute but how is that so if my credit report with both bureaus is still showing the same inaccuracies. I am disputing a charge off account XXXX XXXX XXXX the high credit limits are inaccurate, dates opened are inaccurate, dates last active are inaccurate. XXXX performed an investigation into my dispute and found the inaccuracies and promptly deleted the account off my credit report with their bureau. I asked both XXXX and Experian what process was used to verify the account all it said was account updated. If they performed an automated investigation according to 15 U.S.C 1681i ( 5 ) ( D ) they would have found the information about the inaccuracies processed by XXXX. I am also disputing inquiries put on my XXXX credit report. XXXX XXXX inquiry dates XX/XX/2022 and XX/XX/2022, XXXX XXXX XXXX inquiry dates XX/XX/2022 and XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022 I was deceived by their pre-approval offer and was not aware hard inquiries would be put on my credit report. Also 15 U.S.C 1681 602 A : states i have the right privacy 15 U.S.C 1681 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX  claims they investigated an account and contacted the data furnisher to verify the account however they BLATANTLY LIED. I was never late on this account? Who did XXXX speak to from XXXX XXXX XXXX? What is their name and email address? If XXXX  claims they received a copy of the notice that was sent to me by XXXX XXXX XXXX via green certified mail return receipt with my signature on it proving they notified me in writing prior to furnishing negative accounts to my consumer report please provide it or update this account to PAANL ( Paid As Agreed Never Late )
Product: Credit card

I am disputing the collection account with DISCOVERBANK, account number XXXX dated XX/XX/scrub> 2023, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that DISCOVERBANK, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. The inquiry was not authorized 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 Please remove it from my credit report.. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXXXXXX  IN PERSONS OR XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX  - XXXX
Product: Checking or savings account

My significant other wrote me a check from his credit union ( XXXX XXXX ) to my bank ( BECU ) and for some reason my bank did not recognize the check, flagged it as possible fraud and put it in their financial crimes department. I tried to mobile deposit this check XXXX, my card declined repeatedly on XXXX and I reached out to the bank that same day where they informed me that my check was flagged and they have locked my entire account. I now have not had access to my credit card, debit card, or mobile banking since XXXX and it is now XXXX. I have called BECU almost every day since the lock was put on to try to get this resolved and at least get my bank account unlocked because I have bills and expenses to pay. They are refusing to unlock my bank account until the check has either been returned or passed through to my account. I have repeatedly told them I don't mind if they hold the check but I need my bank account and cards unlocked so I can pay my bills and they have refused. I was able to withdraw cash on XXXX by driving down to the XXXX XXXX XXXX XXXX after a long wait and process so that I am able to purchase necessities but the bank is still refusing to unlock my card. I also had my boyfriend call his bank to see if they could do anything to speed up the process but they were unable to do anything until whoever handles checks on their side processes that to my bank. It has now been a full week since I have not had access to my money and despite calling repeatedly I have not gotten any updates on the process other than it is " not done yet ''. They have completely locked me out of my own money and I can not access any mobile or online banking as well.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate with out providing any evidence of as through investigation. This practice violates the fair credit reporting act ( FCRA ), 15 u.s.c ,1681 I of disputes. Furthermore XXXX actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C, 5536 ( a ) ( 1 ) ( a ) - ( b ) as highlighted in the CFPBs recent administrative proceeding ( file no. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion Dispute Department, I am writing to dispute an inaccurate item on my credit report concerning my account with XXXX XXXX XXXX. The report indicates that this account remains unpaid, which is incorrect. 

I have received a letter from XXXX XXXX XXXX confirming that my account was paid in full. Additionally, I was issued a 1099-C form from the company, indicating that any remaining debt has been canceled. This documentation supports my claim that the account should not reflect any negative information. 

Please find attached copies of the letter from XXXX XXXX XXXX and the 1099-C form for your review.

I kindly request that you investigate this matter and update my credit report to accurately reflect this information. I appreciate your prompt attention to this dispute. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX **Attachments : ** 1. Letter from XXXX XXXX XXXX 2. 1099-C Form
Product: Credit reporting or other personal consumer reports

I was a victim of fraudulent activity and have researched how to remove the fraudulent items from my report. I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. According to FCRA Section 605b, Credit Reporting Agencies must remove any items listed on an identity theft report with reference number XXXX. Attached are documents to assist in removing the accounts and erroneous personal information posted to my report. Here is the list of items opened without my permission : XXXX : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00} Equifax : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00}. According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove such items within 4 business days of receiving the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED THIS BUREUA MULTIPLE TIMES REGARDING THESE UNAUTHORIZED HARD INQUIRIES. THEY ARE NOT COOPERATING AND HAE NOT GOT BACK WITH ME REGARDING THIS ISSUE. I HAVE MAILED MULTIPLE LETTERS AND ALSO CALLED THEM. THE UNAUTHORIZED INQUIRIES ARE AS FOLLOW : XXXX - Card Service Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I requested an audit on my account, and I did not receive the results in the time promised of 10 days. I reviewed my account history and performed an audit myself, and I discovered I had been overcharged for interest and charges that I did not make. I called the company, and the customer service is poor, and there is a huge communication gap, which is the problem. I opened previous complaints, and the matter has not been resolved. I tried to close my account, and they still want to bill me. 

As I conducted my audit, I had a debit balance of {$510.00} for the year ended XXXX ; a credit balance of {$570.00} for the year ended XXXX, and a debit balance of {$380.00} as of XX/XX/XXXX. I have an installment balance of {$590.00} as of XX/XX/XXXX ; the card balance and installment balance total {$920.00} of XX/XX/XXXX. I made a payment of {$900.00} on XX/XX/XXXX. Therefore my balance is {$19.00}.
Product: Student loan

I graduated from XXXX XXXX in 1997, which is XXXX  years ago, and despite my best efforts to meet my loan obligations, I have been unable to repay my student loans in full. Over the past XXXX  years, I have encountered multiple life challenges that have made it extremely difficult for me to maintain regular payments My financial situation became particularly strained when I had to file for bankruptcy and then my ex-husband was incarcerated. As the sole provider for my family during that time, I was faced with the heavy responsibility of supporting my children and myself. Despite working multiple jobs, including pursuing a career in teaching, the compensation was insufficient to cover both my living expenses and my student loan payments. As a result, I was forced to explore alternative job paths in order to provide for my family, but unfortunately, these jobs did not offer enough financial stability to allow me to continue paying off my loans. 

In addition to the hardship of being a single provider, I have struggled with the long term consequences of the economic turndown and rising living cost, sending children to school, which have further impeded my ability to meet financial obligations. While I have worked diligently to manage my finances and pay off my student loans, the burden has been overwhelming. 

Given my long history of financial struggles, coupled with my sincere commitment to rebuilding my financial future, I am requesting loan forgiveness or relief under any hardship programs. I am hopeful that with your support I can begin a new chapter of financial freedom, as I am committed to improving my situation and achieving greater financial stability in the future. 

I, thank you for your time and consideration of my request. I look forward to your understanding and hope for a favorable resolution to my case. 

Sincerely.
Product: Credit card

My payments are always made on time, a fact of which I am confident. What I am unsure of is why this company reports me as late in certain months, which is not acceptable. According to USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} for each account with inaccuracies.
Product: Debt collection

I ordered special 3 items for {$36.00}. I received all three items but at different times not all together. I paid for the first item which was too big but kept it anyway. When the other two items arrived I was charged individually for each item. I went to post office and had them returned. It wasn't my fault that postal service was slow getting their items back to them. They sent me bills about the items, I sent them the tracking numbers of the items that were being sent back to them. They rung my phone everyday for months over and over again. Seeking a payment that I didn't even owe and was adding interest daily to the changes trying to get more money out of me. They know they were wrong and yet, they still sending me catalogs still trying to get me to order something else with all this messiness going on. That's not a very reputable company, at least I doesn't think so.
Product: Student loan

My loans were transferred to Aidvantage. I have attempted to change my loan to the SAVE plan several times and have had zero luck. I have submit documents on XXXX several time to change to change plans. It shows completed on the website, however Aidvantage is not processing the paperwork or changing my plans. I have called them over XXXX times, been on hold for over 50 hours, and been sent to a mailbox that is full several times. They have a mailbox that is full and it hangs up on you. They do not return emails. I want to file a complaint against Aidvantage. I am worried they will cause my account to go into default and ruin my credit. I need help changing my plan to SAVE plan.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I disputed this account XXXX XXXX XXXX. With XXXX, XXXX, and Transunion I have never been provided any information on how this account was verified, but yet it's still being reported on my credit reports. All 3 credit bureaus are reporting inaccurate, unverified information. This account needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being hospitalized from giving XXXX to my XXXX  via emergency XXXX, I requested my accounts to be consolidated XX/XX/2019 to better manage my finances. All of my accounts were approved to be consolidated including XXXX/XXXX XXXX. The Bank instead reported these accounts as late which was disingenuous. This issue has caused my stress and more importantly dropped my score to the point that I can not take advantage of the best available rating for a new home. 


Account : XXXX/XXXX XXXX XXXX ( I have not received a letter of late payment ) this account was confirmed in consolidation and was never late. 

XXXX/XXXX XXXX  XXXX XXXX.
Product: Mortgage

On XX/XX/year>, I received the attached Delinquent Property Taxes letter from New American Funding. My tax is not due until XXXX. Please see attached tax bill from XXXX XXXX, Georgia. I have not received any delinquent tax notices from XXXX XXXX, Georgia. 

XXXX. On XXXX, I called New American Funding and was told that they pulled up a report on XXXX showing my property taxes were delinquent. 
XXXX. On XXXX, New American Funding proceeded to approve, without my knowledge, and without my consent, to pay the property taxes. 
XXXX. On XXXX, New American Funding, without my knowledge, and without my consent, mailed a check to XXXX XXXX. 
XXXX. On XXXX, without my knowledge and without my consent, New American Funding set up my account for escrow withdrawal. 

During my conversation, I was told that the only thing that New American Funding could do was to take my payment on the phone while talking with them. I refused because New American Funding sent me a threatening delinquent letter and proceeded to take the above actions without my knowledge and without my consent. 

I consider this manner in which New American Funding tried to put my account in escrow as questionable and shady.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a three day lift ticket for three adults and one junior from XXXX XXXX/get ski tickets in the amount of {$450.00}. We were scheduled to redeem the lift tickets on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, Governor Polis of Colorado issued a mandatory closure of all ski resorts. We were forced to cancel our trip secondary to COVID-19. I contacted the merchant directly in an attempt to get a refund for the three day lift ticket. After unsuccessful attempts with XXXX XXXX/get ski tickets, I disputed the charge on my capital one credit card on XX/XX/XXXX. On XX/XX/XXXX the credit card company rebilled me for the amount of {$450.00}. The credit card company informed me that the merchant, get ski tickets/XXXX XXXX responded to the dispute and issued me guaranteed smiled vouchers with a two-year expiration for the lift tickets to be used at a later time. I was never issued any vouchers from XXXX XXXX or get ski tickets. I responded to the dispute with a 20 page document indicating all the attempted communication with XXXX XXXX/get ski tickets as well as a detailed letter to Capital One. I was told by capital one that I had insufficient documentation and the dispute was closed. I was re-billed in the amount of {$450.00} despite never receiving the vouchers as promised by XXXX XXXX. I submitted a complaint with the XXXX XXXX XXXX with no response from XXXX XXXX or get ski tickets. I also contacted my local news agency, XXXX action news, who attempted to obtain the vouchers from XXXX XXXX/get ski tickets without success. I would like the charges of {$450.00} refunded by capital one credit card as I never received the vouchers per the resolve dispute
Product: Credit card

Westlake is constantly contacting me. there allowed to contact me once in a month. I have a credit repair that reaches out to them. They can not harass me calling me constantly.
Product: Debt collection

I have a very old debt with  XXXX   XXXX  from about 10 years ago on a private student loan. Apparently now the company is called  Navient  although I have never signed any contracts, nor do i acknowledge any obligation to 'Navient. ' I was told i would be forced to give my banking information and that there was no other option in my case, because ALL deferments and forebearances had been exhausted at that point. None to my recollection, did i request. They also told me that despite my unemployment, i would have to pay a {$160.00} payment per month. I communicated that there would be no way possible for me to manage this. My spouse is a  XXXX    XXXX   XXXX  , and on a fixed income and I spend a lot of time taking care of said spouse, doctor 's appointments, health issues etc. They constantly suggest that i contact the co-signor who i have repeatedly communicated that I am Estranged from, effective indefinitely for very personal and irrevocable reasons. There is no way around it. They continue to give me no options. I gave them my account info, All while letting them know that there was no way i could keep up with {$160.00} per month. They took my info, charged me the first time. It was a very hard month. They succeeded in getting another {$160.00} the next month which also very negatively affected my household. By the third month, the payment did not go through of course because this was  money I didnt have in the first place, and now they are threatening to place a default on my credit file. There are also Very many negative late payment marks on my credit score from du ring the time period they claim that my loans were in a forebearance/ deferrment. This company has harassed me, called me at work in the past to the point where discipline to me was threatened and other co-workers had personal information on me that made it a very hostile work environment. Clearly it was  Navient  Calling. They are making my life a living  XXXX . I would like to buy a hous e one da y, but they have so many negative marks on my credit file that i doubt it would be possible. Please help!
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX has violated my rights . 

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 or other personal consumer reports

Capital One Walmart Mastercard ending in # XXXX was closed on XX/XX/2024 due to me missing payments that were due to the death of my mother. As of the date of this inquiry, despite me disputing it as closed, they continue to report the account as open to further damage my credit despite me attempting to rectify it with them. I have disputed it on my XXXX, XXXX and XXXX XXXX reports, XXXX now reports it accurately. This is a blatant attempt to damage my score. I simply want them to report it accurately as closed.
Product: Checking or savings account

First, I am XXXX. My XXXX is direct-deposited monthly into my Bank of America checking account. For my XX/XX/2024 deposit, I moved most of it to my savings, and a few days ago the XXXX XXXX XXXX was given my last {$260.00}. Bank of America claims that it is correct that they can not attach my XXXX money, but if it moves out of the original account it was deposited into, it's fair game. XXXX says they don't tell B of A what to do, and they won't give my money back. I am penniless until my next XXXX XXXX  XXXX deposit. It is hard to understand that they can leave me with no money for anything, food, transportation, bills ... .when it is perfectly clear those funds are from my XXXX.