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

Equifax is depicting XXXX/XXXX XXXX, ACCOUNT NUMBER XXXX ON THEIR BUREAU REPORT. 
ON XX/XX/2019 I SENT IN A DISPUTE BY MAIL.THE ACCOUNT WAS NOT INVESTIGATED OR PUT UNDER DISPUTE.THERFOR I SUBMIT THE FOLLOWIN : THIS ACCOUNT WAS ESTABLISHED GIVING CREDIT TO PURCHASE MERCHANDISE, A RING.THE ORIGINAL AMOUNT WAS OVER $ 3000.AFTER PAYING ABOUT {$1000.00} IN PAYMENTS I FOUND OUT THE REAL VALUE OF THE MERCHANDISE ... .NOT DUE TO DEVALUATION OF GOLD OR DIAMONDS THE RING IS NOT WORTH {$300.00} DUE TO POOR QUALITY.I QUIT MAKING PAYMENTS AND GAVE UP TRYING TO SELL THE MERCHANDISE.I FOUND THAT IN CALIFORNIA WE HAVE IMPLIED WARRANTY LAWS THAT ARE NOT DEFEATED BY CONTRACT DISCLAIMER.THE RING DID NOT HAVE ANYWHERE CLOSE TO THE VALUE STATED AT PURCHASE.I WAS DEFRAUDED BY THE MERCHANT CREDITOR AT PURCHASE ... ... ... ... .DELETE FROM MY REPORT.
Product: Student loan

I have had student loans for over 20 years and they have been sold over and over to servicers. I dealt with Navient for many years, with much difficulty getting a clear concise answer. I was told and did apply for forbearance several times until i could no longer do it. I did go into default at one point. My loans were once again sold and now i am trying to pay via XXXX. 

I feel i would have been in a better position and not had a default on my record if i had better guidance. I am told that i should be able to be part of the current litigation against navient but i am not sure what to do next. 

Also, with the length of time i have been paying school loans am i not entitled to some sort of forgivness??
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written or verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Your immediate attention to this matter is greatly appreciated Sincerely, XXXX XXXX XXXX
Product: Debt collection

So I checked my credit report fairly recently ( 1 week ago ) and I noticed that a debt collection company says I owe money to XXXX XXXX XXXX. And they are attempting to collect a debt on behalf of the company I dont know how this got on my credit report as I have only used XXXX since moving out on my own. 

In summary, here are the issues : Im not familiar with this debt I never agreed anyone to contact me I never authorized any debt to be taken out with my information I no longer want this company to put negative connotations on my credit report when not owed in the first place
Product: Credit card or prepaid card

XXXX - they put a hold on my card because they felt it had a suspicious activity, I have been trying to get in and pay the card off and close the account, they won't give me access to the account online to pay - will charge me {$9.00} to use their services over the phone. Won't just let me pay it off and close it, unless I give them very personal financial information over the phone, my kids names, birthdates, soc sec number, my car make and model ... it doesn't make any sense. I did not report the card stolen, or report any suspicious activity, I have NOT denied any charges. They will not allow me to just pay online and close the account. Most ridiculous experience ever. I do not feel comfortable giving all this information to someone over the phone just so I can pay my bill.
Product: Credit card

On XX/XX/23 a payment was cleared by Discover for {$6100.00} then immediately returned to the bank it was drawn from. 

Said payment was sent around 8 days prior and when I called to find out when it was cleared I was told it would take as long. I further inquired if I would know it was accepted and I could use it when it showed as available and was informed it would be. 

Based on this I started using the funds that showed as available. Later I found out I was given incorrect information and, even though, they held on to this payment to clear it ( and it did clear ), they decided to not honor the information I was provided. I certainly wouldn't have spent it if I thought it wasn't cleared but they DID clear it. 

I asked for them to review the call as all calls ARE recorded to substantiate my claim and they flatly refused to.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following accounts from my TransUnion credit report, as they were recently deleted from my XXXX credit report following a dispute and investigation : XXXX XXXX  {$800.00} Account Number : ... XXXX Investigation Completion Date : XX/XX/year> Status : Deleted from XXXX report. 

XXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} Account Number : ... XXXX Investigation Completion Date : XX/XX/year> Status : Deleted from XXXX report. 

Following my dispute with XXXX, these accounts were thoroughly investigated and deemed unverifiable. As a result, XXXX has completely removed these accounts from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I now request that you, as a credit reporting agency, take the same action to ensure the accuracy and integrity of my credit report.

Additionally, I have filed a complaint with the Federal Trade Commission ( FTC ) to document and report these issues further.

Consumer Protections Under the FCRA : FCRA Section 611 ( 15 U.S.C. 1681i ) : Requires that inaccurate or unverifiable information be promptly deleted from a consumers credit file. XXXX has determined these accounts are unverifiable, and as such, I am exercising my right to have them removed from my report with your agency. 
FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Mandates that information suppliers provide only accurate and complete information. If XXXX has deemed the information unverifiable, it is your obligation to follow suit and remove these accounts. 
Required Action : I request confirmation of the removal of these accounts within 30 days or less from the date of receipt of this letter. Failure to comply with this request may leave me no choice but to pursue the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Seek legal recourse as allowed under : FCRA Section 616 ( 15 U.S.C. 1681n ) : Provides for legal remedies in cases of willful non-compliance, allowing consumers to sue for damages.

FCRA Section 617 ( 15 U.S.C. 1681o ) : Permits legal action for negligent non-compliance. 
These accounts deletion by XXXX demonstrates that the information is not only inaccurate but also unverifiable. The burden now lies on you to ensure my credit report is fair, accurate, and compliant with federal laws. 

I appreciate your prompt attention to this matter. Please notify me in writing once these deletions have been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report an account XXXX & XXXX they claim was deleted. I spoke to an agent on XX/XX/2022 and he told me that this account was removed from my consumer report. I pulled my Transunion consumer report on XX/XX/2022 and this account is still being reported. I also contact Transunion in regards to other accounts reporting on my consumer report. I asked the agent from Transunion if they will continue to violate my consumer rights and had replied " Yea, OK several times. I sent Transunion a letter which they received on XX/XX/2022 of instruction on how I want my consumer report to be furnished. This is in accordance with 15 USC 1681b ( 2 ) permissible purpose. This Federal law is also on their website. Transunion has refused to comply with the FCRA and has been negligent in its reporting. I also reached out to corporate to resolve this and have not received any response. Transunion is liable to me the consumer under 15 USC 1681n, Civil liability for willful noncompliance.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 my XXXX account was transferred to XXXX to become my student loan servicer. My account is paid in full and closed. However, on my credit report, both the XXXX and XXXX accounts are showing open and with balances. I have contacted XXXX to have this updated. Their response was that they have reported the correct information to the credit bureaus and not to use third parties such as XXXX XXXX to get accurate reporting information. However, I have checked on all XXXX credit bureau websites and this information is listed. I have disputed this directly with all XXXX credit bureaus and their response with each dispute ( XXXX separate disputes in total with each of the XXXX bureaus ) is that the data furnisher has verified that all information is accurate. This is false. My accounts are closed and paid in full and transferred to XXXX. When I reached out to XXXX, their response was that all information reported is correct. This is causing to show on my credit report that I have twice as much student loan debt than I actually have.
Product: Debt collection

On XX/XX/2023 I received a summons from XXXX XXXX court that a collection agency named DNF Associates LLC has filed a complaint to collect on a debt from a credit card XXXX. The information I received from the court had the account number blacked out. On Monday XX/XX/XXXX, I contacted DNF Associates LLC and spoke with XXXX at ext XXXX. I advised her that I had no knowledge of such debt. I also advised I did not receive any notification regarding this debt. She acknowledge that NOT correspondence was ever sent to me about this debt, which violated the fair debt reporting act which allows me, by law, 30 days to dispute the debt. XXXX did not express any concerns about my rights not being exercised, and threated to proceed with taking me to court. I told XXXX that I did not owe the debt. I told her that I did not recognize the card and I was offered no correspondence to from their office where I would have disputed the debt. She was proceeding to try to make some type of settlement arrangement for 80 %. I thought possibility it was my ex wife, but I told XXXX that I was not sure. She again that her company has never sent any documents and she verified my address. They also never called me about the debt to dispute.
Product: Credit reporting or other personal consumer reports

Their was a credit breach, my information has been compromised, that is against the law.
Product: Debt collection

I recently received my credit report where I saw this debt was listed. I had no knowledge of this account ever existing. In an attempt, to resolve this matter quickly and restore my good credit report, I contacted the company via written communication and offered to settle this debt, and in exchange they would remove this account, that does not belong to me, from all of my credit reports within 15 days. In addition to this written correspondence, the company also received a check to settle the account in full, under the terms that all info related to this account would be deleted from all credit reporting agencies. The check to settle this account was cashed on   XXXX   XXXX   XXXX    , but the account remains on my reports.
Product: Credit reporting

XXXX XXXX XXXX is reporting negative and inaccurate information about my mortgage account like : ( late payments, short payments ) This information has negatively impacted by credit score and credibility. This is not the first time XXXX XXXX XXXX has reported inaccurate information, back in 2014 I had to dispute with all XXXX major credit BUREAU 'S because XXXX reported my mortgage loan as a foreclosure. This inaccurate information caused me to get denied credit from XXXX XXXX in desperate times.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a bank merger between XXXX XXXX XXXX XXXX XXXX XXXXXXXX, during the transition period, my debit bank tied to my account did not process a payment to Self Lender. As a result, my account has been reported as late. This is a complete error, there was sufficient funds in the account, the bank provided a letter of proof of funds but the credit reporting bureaus and Self Lender has refused to correct the error. 
This type of error on my credit report ( s ) is damaging and it's unfair. They continue to ignore my request after multiple requests to this company asking for resolution for the inaccurate late payment that's being reported.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX XXXX **** Balance Owed : {$890.00} XXXX  XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed XXXX {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have account with comenitu bank thAt issues woman within credit card The issue is with my monthly bill they want me to pay on the XXXX of every month I call the company and said I can not pay until the XXXX of every month and turn they said I will get a late charged of XXXX to {$37.00} every month because of XXXX day late I asked the company to close my account and they agreed to close my account and send me a final bill they send me the final bill but they still won't accept the pay for the final bill. 
They still want me to pay more late charges
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC - Has been reporting fraudulent charge to the credit bureau for over 2 Years. I have disputed this charge several times with XXXX and XXXX, and they have refused to remove it from my Credit Report. In the 1st Quarter of 2022 - LVNV FUNDING LLC along with XXXX & XXXX, PC. file a complaint with the XXXX, I responded to the complaint/summons. In XXXX of 2022 - The Court Dismissed the case brought by LVNV FUNDING XXXX XXXX XXXX XXXX XXXX. The case was without Merit, lacking proof and is what the court would consider a Frivolous Lawsuit. The last time I requested for this item to be removed was XX/XX/2022. I have petition XXXX and XXXX to remove the reporting from my Credit Report and provided them with the Dismissal from the Court and still they claim that " Account information disputed by consumer, meets FCRA requirements. '' This is by far the worst credit reporting - If the LVNV FUNDING, LLC - could not prove in a court of law without a shadow of doubt that the Debt is mine, then by a matter of law under the Fair Credit Reporting Act. The negative reporting to my credit profile should stop immediately and be removed from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Amsher Collection Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Cease and Desist Communication Regarding Alleged Debt Dear Amsher Collection Services, This letter serves as my formal request that you cease and desist all communication with me regarding the alleged debt referenced in your previous correspondence. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop contacting me regarding this matter. 

Please be advised that I dispute the validity of this alleged debt. If you claim that I owe this debt, I request that you provide written verification, including all relevant details such as the original creditors name, account number, and itemized statements that substantiate the amount claimed. 

From this date forward, you and your agency are prohibited from contacting me via phone, mail, email, or any other form of communication regarding this debt, except for the purposes allowed under the FDCPA, such as confirming that you will cease collection efforts or providing any legal action notification if applicable. 

Failure to comply with this request may result in legal action being taken against your agency for violating my rights under the FDCPA. I expect your immediate compliance and appreciate your cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/year> my account balance with Comenity Bank XXXX Express retail card ) showed online as {$97.00} of which I paid the full amount. I later received a {$2.00} charge from Comenity which I refuse to pay as the account balance had been paid in full. On XX/XX/XXXX I made a {$53.00} purchase which, in fairness, I forgot about. Comenity the charged me a {$2.00} late fee on the {$2.00} charge the added to my account after it was paid in full. Then when I forgot to pay the {$53.00}, Comenity charged a {$37.00} late fee. I have since paid the {$53.00} and have asked Comenity waive the false and absorbent fees they added to my account. All in all I've been charged {$45.00} in fees for {$53.00} in charges that were late once. 

To show their predatory behavior even more so, when I contacted this company to resolve the issue the indicated that all levels of leadership only have {$15.00} limit to which they can resolve client issues. When I asked to speak with the employee 's direct supervisor or manager I was transferred to another frontline representative. This happened 4 times.

Banks charging " interest on a purchase '' when no purchase was made and the account balance paid to {$0.00} seems predatory. Banks charging late fees on fees they added to my account after the balance was paid to {$0.00} seems predatory. Banks limiting the employee 's ability to rectify issues causing customers to go to great lengths for resolution seems predatory. Banks refusing to allow consumers to speak with anyone other than a frontline customer service representative feels predatory.

I need help. As a ln individual consumer I am stuck in a place where I can either allow this company to defraud me to protect my credit or I can ask for help. Please help.
Product: Mortgage

I am filing this complaint with the hopes that you can help us to clear up a previous lien, when in fact it is showing unsatisfied at the XXXX County Court House in XXXX, PA. 

In XXXX we acquired in Construction loan from XXXX XXXX. After the construction the loan was then rewritten as a mortgage loan with the same company but a different division called XXXX XXXX XXXX. It is our understanding that XXXX XXXX should have listed it as satisfied when it was turned over to XXXX XXXX XXXX. It is also my understanding that they both went out of business. Prior to them going out of business we received a letter stating that they were turning our loan over to Homecomings Financial. We paid Homecomings for many years until they sent a letter stating that Ocwen would now be taking over the loan. 

Approximately in XXXX, XXXX of XXXX we paid our mortgage off in full with Ocwen.. 
It wasn't until recently when we tried to sell a very small parcel of land to our neighbor that his lawyer informed us that there was an unsatisfied lean of {$83000.00} to XXXX XXXX from XXXX. 

This is very upsetting because as you know we paid the mortgage in full. We were told that XXXX XXXX and XXXX XXXX XXXX were based in New Jersey, which is where I believe Ocwen is based. I am asking that you research this and help us with this dilemma. 

Obviously we would never able to sale our home or leave it for our children with this lien showing unsatisfied. We are asking and hoping you can do something to help us. XXXX XXXX is the one still showing an unsatisfied lien when in fact they handed it off several times. Ocwen shows it was paid in full at the court house. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received a letter from Bridgecrest about the status of my account # XXXX. Bridgecrest states that the status of the account is " Bankruptcy Chapter XXXX Discharged ''. After checking my credit report, the account dos not show as Chapter XXXX discharged, which leads me to the assumption that Bridgecrest did not report it to the Creditbureaus as such. They also state that my interest rate is 8.859 % annual, but I think the interest rate was raised significantly by Bridgecrest. We agreed that I can keep the vehicle, even if Bridgecrest denied a reaffirmation during my bankruptcy several times.