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

My granddaughter moved into a college apartment. I had to put that apartment in my name. She had some of her own furniture so the college apartment managers moved out a few items so that she could put her own furniture there. Now that she has moved out, they are trying to bill me more than {$400.00} for that furniture. When we tried to resolve it theres a different management company there and different people there so they dont want to hear what we have to say. Equifax has put miss information on my credit report. And they have me in collections. I have witness statements from the other people who stayed in the apartment that the management moved those items out of the room but they dont want to hear it. Equifax refuses to remove that information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been using third party companies such as XXXX, XXXX, XXXX, XXXX and XXXX to verify information on my credit file. However, I sent several different letters as well as a procedural request letter asking them who they verified the bankruptcy with. I called on XX/XX/2021 and asked what the method of verification on the alleged bankruptcy you are reporting. The agent on the phone stated, that the bankruptcy was verified by XXXX XXXX. My response was, Appalled by that information. I went directly to XXXX XXXX and stated they can not verify this information themselves, therefore they have taken the liberty to DELETE this bankruptcy from their records. This would mean this bankruptcy is by law considered UNVERIFIED and needs to be deleted from my credit report immediately! 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 

I have enclosed UNITED STATES BANKRUPTCY COURT LETTER for your inspection. Please DELETE these items from my credit report as it is NOT verified! 

THE XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED. 

Equifax removed the bankruptcy from my credit file, but didn't remove the XXXX XXXX  account that is still on my credit file. The XXXX XXXX should've been removed from my credit file as well, because it was never properly VERIFIED by the company.
Product: Prepaid card

The prepaid card company known as netspend. 

There were four transactions charged to my account on XX/XX/2024. The amounts were {$1.00}, {$73.00}, {$78.00}, and {$39.00}. The following amounts were charged to my account. The charges are fraudulent and I never gave no authorizations for this money to come out of my Netspend accounts. Netspend fraudulently charge me these amounts and I never owed to any money. Per Netspend Customer Service I showed no negative amounts owed on this account. I am seeking a full refund amount that total to these charges. Netspend have unauthorized access to my aceflare accounts in which I was unaware of. Netspend just took my money and I need my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiries on my credit report with no permission, 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( XXXX ). ( A ). 

XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Mohela is my current XXXX XXXX XXXX XXXX. I am currently eligible for the XXXX plan, and with my current income, qualify for a XXXX XXXX monthly payment with any interest accrued to be paid by the XXXX government. 

For the majority of my loans, this has been applied to my account correctly, however for one of them, it was not correctly applied, and they are attempting to collect a debt regarding it. 

I have reached out, been given confirmation that research was done and it should be corrected, and yet nothing has been resolved. Now, this is negatively impacting my credit report and interest is accruing on my loan. 

I am beyond disappointed in XXXX response and want a correct response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, consumer XXXX is holding Ed Financial responsible for reporting unvalidated information to all the consumer reporting agencies on my name. This is fraud and my consumer rights are violated as per 15 USC section 1692d ( 1 ), any alleged unvalidated remarks or debt furnished to any of the consumer reporting agencies is ruining my reputation, and it is defamation of character. Ed Financial continues to report incorrect information related to untimely payments which are incorrect and should be removed on my consumer reports. For example, on one of my consumer reports, EdFinancial is reporting I was on time in XX/XX/2019 and 90 days late XX/XX/2019. How that be correct from being on time to 90 within 30 days? I have reached to EdFinancial numerous times regarding this issue including the consumer reporting agencies but no resolution as of yet. I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cease and Desist from Further Contact Regarding Debt Dear Transworld Systems Inc I am writing to formally request that you cease all communication with me regarding the debt associated with my name. Under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws, I am exercising my right to request that you stop contacting me regarding this matter.

Please consider this letter a formal cease and desist request. I do not wish to receive any further communication regarding this debt, except for written verification of the debt, or any legal action being taken.

I understand that under federal law, you are required to cease contact once such a request is made, unless the communication pertains to specific actions, such as filing a lawsuit.

Please be aware that any further communication beyond this letter, including phone calls, letters, or other forms of contact, will be considered harassment and may lead to legal action being taken against your company for violating my rights under the FDCPA.

If you do not have the legal right to collect this debt or if you can not provide proper documentation supporting your claim, I also request that you notify me in writing that the debt is being disputed.

I look forward to receiving written confirmation that you have received this letter and that all communications regarding this matter will cease.

Thank you for your prompt attention to this request. Should you continue to contact me, I will not hesitate to pursue further legal remedies available to me.

Sincerely, XXXX XXXX
Product: Debt collection

" Navient XXXX XXXX '' is what showed up on my caller ID. The Representative 's name is XXXX, he gave an employee ID # of XXXX ( or something similar ). 

He was asking for a " XXXX '' who he believes I know and was attempting to get " XXXX 's '' contact info -- he's tried many times to get hold of her. 

He called from XXXX and left a voicemail but asked for a return call to XXXX. I called back and told him I have no relationship with " XXXX '' and that I've asked in the past to have my number removed from " XXXX 's '' account. I have filed a complaint with the FTC and he said, " good luck, they'll keep calling. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  IS MISTAKENLY REPORTING NEGATIVE FORECLOSURE VERBIAGE ON MY ACCOUNT. MY ACCOUNT HAS ALWAYS BEEN PAID SATISFACTORILY AND IS IN FACT PAID OFF. PLEASE REMOVE THE FORECLOSURE VERBIAGE ASSOCIATED TO THIS ACCOUNT.
Product: Student loan

EdFinancial notified that they were going to be migrating my account and loans to a new online portal, with all migration being completed by XX/XX/XXXX, and that I would be required to make a new online account with this new portal. I have not received any notification from them that there would be any delay past this date. 


It is now XX/XX/XXXX, and I am unable to make a new account for the new online portal. I am able to log into my old portal, but my loan balance there is " XXXX '' and the payment history indicates that the loan has been transferred to a different account, which I can not access. This transaction is dated XX/XX/XXXX, meaning that EdFinancial has had over TWO weeks to ensure that I can log into my new portal account, yet I am unable to do so. I tried to rectify this by calling them, but the representative I spoke to said that it could take up to FOUR, and that it could be delayed even FURTHER than that. They could not provide me with any information about what would happen to interest on loans if the migration delay went past XX/XX/XXXX, when interest on loans resumes. Additionally, the email notification sent to me stated that it would only take two weeks to create the new account in the new portal.
Product: Credit reporting or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Mortgage

Please see attached documents with full details : In short we hired Fidelity National Title to help us sell our home and they tried to take all our equity and service themselves and the buyer. Instead of voiding the transaction of the sale because we did not clear marketable title with the buyer they instead called the sale complete and tried to use our funds to service what all the buyer wanted which we did not agree upon. After having to get legal involved they finally released our equity but not before having to accumulate another {$5000.00} in debt.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX  AND IDENTITY THEFT. ive been contacting the credit bureaus for months and they have ignored my disputes sending them through a machine which is illegal in the first place.
Product: Debt collection

I have sent US Bank documentation showing my debit was paid off and they are still showing my account as open and owing money!
Product: Checking or savings account

I had two unauthorized transactions a few months ago, as a result my Keybank checking account went in the negative by - {$26.00}. This negative balance was a result of overdraft fees associated with the unauthorized transactions. I called several times in 3 months to get the overdraft fees waived and they did nothing. I received a provisional credit for the unauthorized charges and won the dispute. The account stayed in the negative because they didn't reverse the overdraft charges as a result my account  was closed on early XX/XX/2019 as a charge off. The company keeps on sending me to collections and say the account is charged off. I'm asking for a reversal of the overdraft fees and about a {$10.00} refund to me. I'm worried about them reporting me to XXXX  when in fact they owe me money. Thank you!
Product: Credit card

I had an issue with a customer service group at the number listed on the back of my credit card. The rep could not resolve my problem, so I asked for a supervisor, which I was given. The supervisor did not resolve my issue. I asked for a manager. She refused to pass me to a manager. She stated she was the highest level of authority I could speak to. I asked for a corporate phone number. That was refused. I was given a physical office address to write and snail mail a complaint to. I contacted directory assistance, and the number listed for that address rings fast busy all day ( on purpose ). I tried the web site. No phone numbers or addresses are listed on the site. I tried their live chat on the site. The representative could only refer me to the original customer service number. I am wondering if my only recourse is to cancel the card. My issue is that despite having had the card with the company for XXXX+ years with an impeccable payment history, each payment over {$500.00} has a XXXX day hold placed on it, despite the method of payment. My payments were EFTs, and therefore immediately transferred. The EFTs are also being held. Based on the customer service reps ' responses, it appears they are doing this to all customers. I understand the bank may be concerned with bad checks and are initiating a hold. However, on customers with clean histories? On customers paying by EFT? On all their customers?
Product: Debt collection

I HAVE NEVER LIVE AT THIS APARTMENT, DO NOT KNOW ABOUT THIS BUT SEE THIS INFORMATION COME ON MY CREDIT REPORT. I INFOMATION THE COMPANY ABOUT THIS BUT GOT NO RESPONSE, THE COMPSNY IS RENTDEBT AUTOMATED COLLECTION, Phone Number ( XXXX ) XXXX - XXXX, Address XXXX XXXX XXXX, XXXX, TN XXXX.
Product: Debt collection

Enhanced Recovery Corporation has harassed me about a debt that appears to be for a month XXXX. I have explained over the phone and by mail that I have never had dealings XXXX ( I am a long time XXXX customer ) and I have never lived at the address or known anybody in the neighborhood where the service was allegedly provided. I thought the matter was settled, but have recently been alerted to negative credit information posted by them to XXXX against me. 

This is either a case of gross incompetence or outright fraud by Enhanced Recovery Corporation ( given the large base of customers XXXX it would be easy to send out mass mailings accusing people of missing a payment and scam money from them ). I think this deserves investigation.
Product: Bank account or service

A company refunded a payment via paypal on XXXX XXXX. Paypal supervisor XXXX ( XXXX/XXXX/15 at XXXX PST ) stated the funds are unclaimed. I asked her does that mean paypal has these funds? XXXX said, " yes. " I asked them to transfer the funds to my bank and XXXX said they do n't have them. 
There is a serious problem here. She, XXXX, could not provide any cogent answers as to where my refunded funds are. The company that refunded my money said paypal took the money from her account. 
Paypal is not interested in helping the customer.
Product: Debt collection

debt is not mine ive already disputed the debt and the company refuses to respond to my disputes
Product: Debt collection

I received notification of a SSN trace and a subsequent email from a XXXX XXXX from TrueAccord/XXXX XXXX XXXX regarding an alleged debt that is past the statute of limitations. Filing this complaint in addition to my emailed CEASE AND DESIST to stop all communication and collection efforts. Furthermore TrueAccordXXXX XXXX XXXX by law can not file suit against me or report this alleged debt to credit reporting agencies. I am extremely sensitive regarding my credit rating. Any additional collection activity or reporting of this outside of statue of limitations alleged debt will result in litigation to include damages as per my right under the FDCPA.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

List below are unauthorizedcredit pulls using my personal information XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

I mailed a check of {$90000.00} to part pay the principal balance of my mortgage with Green Tree Servicing. Account number XXXX. The check was mailed USPS Priority Mail, and I had confirmation of delivery and signor on XXXX XXXX. On XXXX XXXX, I noted that the money had been applied, but split : $ {$2000.00} effective XXXX/XXXX/2015 applied as my advance XXXX payment, and {$87000.00} effective XXXX/XXXX/2015 applied to my principal balance. I called to notify them that all of the money should have been applied to the principal and the effective date should be XXXX/XXXX/2015. I have numerous calls since then - mostly unhelpful and even after escalation and a supposed " rush '' to fix, I still have the {$87000.00} although now applied to the principal, but STILL the wrong effective date of XXXX/XXXX/2015. I am told this morning that it might take another XXXX business days to fix. 

My complaint : why should they split the amount when I had previously called before sending the check stating that the whole amount to be applied to the principal, and why is the effective date still wrong? I can only assume that it is Green Tree 's process to do this as it clearly benefits the company at the expense of the client.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputes information on the credit report, leaving inaccurate and unverifiable accounts unsolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unverified responses and failing to adequately notify consumer of disputed outcomes. The failures align with my experience they chose to neither fix or correct errors despite showing evidence which caused ongoing harm to my credit. I am requesting immediate corrective action to remove and amend disputed accounts, as Experian inaction violates federal law and my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XX/XX/2022 XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$380.00} XXXXXXXX XXXX XXXX XXXXXX/XX/2022.
Product: Mortgage

We have been trying to close on this mortgage since XX/XX/17.