23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Company is reporting inaccurate, inconsistent and non compliant information of XXXX and Equifax
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, King of XXXX Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX floor, XXXX XXXX, CA XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX ( XXXX XXXX ), In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Student loan

My Federal Student Loans recently changed servicer from Great Lakes to Nelnet. I was approved for EDRP with my current employer but the forms submitted were for Great Lakes. I have tried multiple emails, filling out their contact form on their website, calling them ( only to be on hold for 1.5+ hours and counting ), with NO help. 

I received XXXX response email from them on XXXX XXXX stating that they received my email request for information, and that they would reply in 15 to 20 days. It is currently XXXX XXXX as I submit this complaint and I have YET to hear any feedback from Nelnet. 

This is a complete nightmare as I am about to lose my EDRP qualification as a federal employee with the XXXX XXXX XXXX XXXX  which is helping ease the burden of student loan repayments. I don't know what to do or who to contact as I am being met with only dead ends and no communication from Nelnet!
Product: Mortgage

Triad financial services uses predatory business practices, unlawful debt collection behavior, and will try to reposess your house on charges you do not owe. We never received closing loan documents. They have processed our mortgage payment a month late every single month and have tried to hit us with late charges. They also did not credit us with a payment more than once and I had to submit proof that we paid them and they cashed it multiple times. We have submitted proof multiple times that we paid every month, and the continued to harrass us with phone calls saying we were a month late several times a month for the last seven months. When sent a cease and desist with requests for proof that we were missing a payment, loan documents ( including promissory note ) and to stop the harrassing phone calls over a debt we do not still owe they sent us a threatening letter saying they are going to reposess and foreclose if we did not pay the disputed amount and the current month payment within thirty days. They have been made aware of charges to our account not due and yet it says in the notice that they are not aware of any such charges. They have been made aware. Multiple times. This is despicable behavior for a company to engage in.
Product: Mortgage

I had to pay extra money for my escrow. 
And also I have a balloon note on my account which I don't understand when I did my modification to lower my payment I felt like I had no choice, and I know when that time comes I won't have that type of money to pay out all at once.
Product: Credit reporting or other personal consumer reports

After careful review of my credit report XXXX transunion has put 2accounts with XXXX XXXXXXXX back on report after previously removing the accounts without validation from creditor Fair Debt Collection Practices Act,15 USC 1692g stating your claim is disputed and validation is requested. I have requested validation of accounts from creditor they have not responded email was sent to corporate office and president of company with clear instruction and proof of identity they are now in violation of my rights as well as experience and transunion I ask that you remove both accounts listed in the complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not mine i demand cease and desist and immediately remove from report if not removed will be in violation of privacy act and fined {$1000.00} usd
Product: Credit reporting or other personal consumer reports

The credit bureaus are reporting I have this on my credit report and that is false I have already reported to them multiple times that the account for national credit system should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like this inaccurate information to be REMOVED : XXXX XXXX XXXX XXXX I would ALSO like these inaccurate information to be UPDATED TO POSITIVE ONLY : XXXX XXXX  XXXX XXXX XXXX XXXX  Date disputed : XXXX
Product: Debt collection

Portfolio Recovery has refused to remove a debt off of my credit report after being paid in full. They refused to accept payment and had me pay an outside law firm then once the debt was paid with the law firm Portfolio now refuses to remove the debt. They maintain that the debt still has a balance after being paid with the law firm. Portfolio has taken the stance that until they get " paid '' by the law firm for the amount owed that they will not remove the debt from my report. I have provided them with a pay off letter from the law firm and even told them I would send bank statements showing the removal of the funds from my account. Even after they have received this information they will not take the debt off of my record and tell me to contact the law firm that was paid and tell the law firm to pay them the funds. When I contacted the law firm they said that I need to contact Portfolio. I have been pushed around between Portfolio and the law firm that represents Portfolio. I am unable to obtain credit due to this breakdown in Portfolio 's system.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX  XXXX I was notified of the XXXX XXXX breach and my info was effected. 
There were fraudulant accounts that I discovereed were not mine, I filed with FTC Identity theft affidavit in XXXX along with reporting to credit bureaus and contacting banks. 

According to 15 USC 1681 Fair credit reporting act, I have right to a fair and accurate reporting without bias and and in a timely manner. 

TRANSUNION, XXXX and XXXX are blatantly violating and illegally inputting fraudulant and inaccurate info knowing full well it is illegal to provide my info without my consent and to for vendors to input a REAGED account that was deleted that did not belong to me. 

Original Creditor XXXX XXXX XXXX XXXXXXXX had to delete due to fraud and this account was opened back in XXXX, but XXXXXXXX XXXX has illegally obtained my info and has illegally reaged and fraudulantly inputed as I have opened a new account with them on XX/XX/XXXX and has detrimentaly affected my score! 
I have enclosed the FTC ID Theft affidavit with the exact account XXXX was forced to delete off my credit report due to fraud but now XXXX  has illegally obtained my info and fraudualntly said this was just opened. on XX/XX/XXXX and TRANSUNION illegally inputted in my file without proper investigating of the account. 

I want this account removed immediately or I will sue for {$1000.00} per violations of my rights under the FAIR CREDIT REPORTING, I will sue and win because I have all of the evidence of documents that I filed back in XXXX XXXX XXXX. 
XXXX  and TRANSUNION, XXXX and XXXX, has violated my rights illegally and fraudulantly! 

TRANSUNION has continuosly violated and fraudulantly said I can dispute online and receive a FREE credit report, to this day I have never been able to obtain my Free report online and to be able to dispute the fraud TRANSUNION has reported on me.
Product: Debt collection

Consolidated the payday loan from Americash with XXXX XXXX XXXX. Americash repeatedly calls me regarding this loan. XXXX XXXX XXXX has power of attorney and they sent a cease and desist letter not to contact me at my place of business and today, XXXX XXXX, they called both my cell phone and my business phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to see my Equifax credit report. I have called twice and they said there were no issues. I requested to remove any fraud alerts and it still isn't done yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Attempted to access my CONSUMER but encountered some issues. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I demand a copy of my consumer FILE from YOU to be mailed to me at the address on my proper identification. I demand a response from you within 15 days of this complaint. Along with this complaint is a copy of my proper identification.
Product: Payday loan, title loan, or personal loan

I received a loan from Mariner finance in XXXX or XX/XX/XXXX. XXXX was just getting started. I couldn't make payments because I couldn't work. They didn't care. They filed in court for a judgement. I reached out to them in XX/XX/XXXX and caught the account up. They kept sending me a new agreement with added charges, different than the one I signed earlier in XXXX. I didnt sign it. I saw no reason to sign another agreement as I had caught up the existing loan and was honoring that agreement.Even though I caught the loan up and continued to make payments, they got a judgement on XXXX of XXXX. After the loan was in good standing. My licensing bond was then canceled and I was forced to pay a larger amount for another bond because of the judgement on my public record. I paid this loan off in XXXX as I had an extremely bad taste in my mouth. Now its still on my public record but as a paid judgement which it never was because it was never in default to get the judgement. Mariner 's representative told me that if I gave her {$570.00} in XXXX that it would stop the judgement and make the loan current. Why would you get a judgement on a loan that was current. Additionally on my credit report, it shows up as a bad debt, paid after judgement which isn't true as well. Also when I paid it off the payoff had the additional charges on it that were on the new paperwork they sent after I made the loan current. I could go on and on about the ethics of a business who offers no help in the middle of a pandemic and then secures a judgement after you struggled and paid them money to make it current but that isn't my goal. My goal is to have the judgement removed and for my credit report to reflect the correct information. Im not asking for a refund of the extra money you charged me when I paid off the loan.
Product: Mortgage

After being unemployed and seeking assistance forced place insurance placed on property spent over {$850.00} to purchase windsto insurance. Ocwen will not adjust the mortgage payment to reflect insurance. I have been promised that they will spoke to supervisor who said it was done to pay {$840.00} instead of {$1400.00} now they have a late fee. I am not late they know I have insurance XXXX lower the monthly amount. I have gotten lies and runaround for a while. Help property address XXXX XXXX XXXX XXXX. XXXX fl XXXX
Product: Debt collection

I used the company Payactiv 's services offered through my employer during a duration of 3 payperiods. 
payperiod ending XX/XX/XXXX Payday of XX/XX/XXXX Accessed {$13.00} includes {$1.00} fee Deductioned from paycheck {$14.00} Payperiod ending XX/XX/XXXX Payday of XX/XX/XXXX Accessed {$200.00} includes {$3.00} fees Deducted {$140.00} Payperiod ending XX/XX/XXXX Payday of XX/XX/XXXX Accessed {$160.00} includes {$4.00} fee Deducted {$340.00} YTD total {$480.00} Took 90 % of my paycheck Requested an itemized list or statement of transactions and any applicable fees and company refused to send a hard copy only offered to verbally give it to me. They did send me a statement from their card the pay advances get deposited to ( see attached ) but the math doesn't make sense and the company won't provide me transaction statement on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I attempted to get my annual free credit report. I was unable to proceed after the security questions were returned as incorrect. I didn't believe this to be true. I called their Customer Service line, and proceeded to do an immediate Identification and facial check over their secure line. It was with a XXXX XXXXXXXX XXXX  and my in the moment photo scanned by them. They indicated that my identity could not be determined from the XXXXXXXX XXXX  they took a live scan of and my face that they took a live scan of. When I requested an explanation of why that was, they could not provide an answer, or even explain where they perceived a discrepancy. It felt like I was being denied service and discriminated against, and a false ID was absurdly being used as the reason.
Product: Checking or savings account

Chase bank froze my account and wrote a letter claiming they intend to close it. However they are refusing to send me the balance of my account of just over {$1000.00}.
Product: Credit card

Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for, but they are erroneously reporting me as late.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 unauthorized transaction occured. I have been fighting off and on to get a dispute in which they have lied multiple times. Refused to actually even state or acknowledge the issue. Not even investigate since they had multiple network issues and breach in systems. I have even reached out Cash Apps main company Square Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my account that I didnt authorize.
Product: Credit card

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX To Whom It May Concern, I have received my credit report from XXXX, XXXX, and XXXX. I have contacted Capital One numerous times and even disputed it with the Credit Bureaus. I am requesting A goodwill adjustment to remove the late payments in order to finance a home. I know this request is unusual, it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time and this was years ago. The late payment is reported to XXXX and XXXX bureau and I am requesting removal of these XXXX late payments below. 

Company Name Account # Date Account was Opened Late Pmt. Dates Capital One XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Debt collection

I, XXXX XXXX, the natural person and consumer, did not receive any information regarding this false debt placed on my consumer report by Portfolio Recovery Associates LLC, neither did I receive the information required per 15 U.S. Code 1692g ( a ). According to 15 U.S. Code 1692c ( c ) I refuse to pay the false debt.

Portfolio Recovery Associates LLC has failed to provide adequate verification of the debt. Portfolio Recovery Associates LLC has failed to provide : ( i ) Proof of the existence of the alleged debt and outstanding balance ; ( ii ) proof of a contract verifying Portfolio Recovery Associates LLC can legally collect ; and ( iii ) proof that Portfolio Recovery Associates is the current holder of the instrument which created the debt. 
Portfolio Recovery Associates LLC is violating Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. This company claims that the alleged debt was originated from XXXX XXXXXXXX XXXX. yet Portfolio Recovery Associates LLC is the company listed on my consumer credit report. Portfolio Recovery Associates LLC claims to have purchased the alleged debt/transferred the debt from another company, XXXX XXXX XXXX Aside from the unsubstantiated verification of the alleged debt, this is a violation of law. 
Portfolio Recovery Associates LLC violated 15 U.S. Code 1692b ( 2 ) due to the company contacting a third party, XXXX XXXX, to communicate with XXXX XXXX, the natural person or consumer. A fictitious entity is unable to speak with a natural person directly without consent.
Product: Credit reporting or other personal consumer reports

I am writing to dispute this XXXX account. This account has been previously deleted off my consumer report, but was reinserted on XX/XX/2024. This is a direct violation of the FCRA sec 15 USC 1681 as shown below.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Mortgage

Bank of America frequently holds my mortgage payments then charges me late fees. 
This month they charged me {$100.00} in late fees. Ive had this problem before and had to contact you about them. 
I always send my payments certified so I can track them. yet they still say they didn't receive them on time. 
this is a game they have been playing for years
Product: Student loan

My XXXX 's loan was paid in full to XXXX as of XX/XX/XXXX. The loan was transferred to Aidvantage Department of Education XXXX XXXX in XX/XX/XXXX with a balance of {$210.00}. 
I emailed Aidvantage that there was no balance. 
They responded that they did not receive the last payment of {$210.00} Aidvantage withdrew {$100.00} from MY bank account on XXXX XXXX I emailed them that the account was paid in full and now overpaid by {$100.00} They responded that there is a balance of {$110.00} XXXX sent them a copy of MY bank statement showing the withdrawal. 
This is my son 's loan that I have been paying from my bank account for years.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an inaccurate bankruptcy entry on my credit report. Despite multiple requests, the credit bureau has failed to provide satisfactory evidence or documentation validating the accuracy of this disputed item. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), this validation is required, and sufficient time has passed without compliance.

In my original complaint, I attached two letters from reputable sourcesXXXX and the bankruptcy courtboth clearly stating that they did not provide this information to the credit bureau. Furthermore, XXXX confirmed the deletion of this erroneous data from their system. The bankruptcy court explicitly stated they did not furnish the information to the credit bureau. 

Given the lack of validation within the statutory period and the compelling evidence of inaccuracy, I demand the immediate removal of this bankruptcy item from my credit report in accordance with FCRA guidelines. 

The continued presence of this incorrect information has had severe financial and emotional repercussions, including the loss of job opportunities.
Product: Credit reporting or other personal consumer reports

Re : FINAL NOTICE OF METRO 2 NON-COMPLIANCE IMMEDIATE ACTION REQUIRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Representative, I am formally disputing the inaccurate and non-compliant reporting of the accounts listed above.

Your failure to maintain accurate, complete, and consistent data constitutes a clear violation of 611 of the FCRA and Metro 2 standards. These errors must be corrected immediately to avoid further action. 
Violations Summary XXXX. XXXX o Account shows as open with delinquent status but marked closed by XXXX. Reporting late payments ( 30-day ) post-closure violates Metro 2 guidelines.

2. XXXX o Inconsistent last activity dates between bureaus. Reporting 90-day late payments on an open account with a {$0.00} balance is misleading and non-compliant. 
XXXX. XXXX XXXX o 60-day delinquency reported despite account being listed as closed by the credit grantor. Data inconsistency across bureaus violates FCRA requirements for accurate reporting