23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

NCB, a known predatory abusive and inaccurate data reporting. They allege I owe {$9900.00} each month they put in my credit report a late payment, lowering my score,. The statutes of Nevada states the date of the alleged debt starts with the original debtor. 1st I owe the original debtor XXXX nothing and my last communique with them was XXXX of 2015. This alone is considered beyond statutes. NCB continued to report derogatory and predatory information as though this debt started each time they report is every month as a missed payment. 
I have unequivocally told them, the amount is false and they are beyond NRS starutes. 
They continue to falsify the time when the alleged debt started in an attempt to appear they are within statutes when according to law the alleged debt is bound to the original creditor XXXX. I've called them provided proof this debt is inaccurate and also considered beyond statutes of limitations per Nevada criteria. XXXX and NCB continue to falsely harass and damage my credit. I request they be removed from my credit report with all bureaus as their main objective is harrasmentm falsifying records to garner payment that is not owed. They are under investigation for numerous accounts of falsifying dates, amount owed to criminally enrich themselves by doing aforesaid action. I request they are ordered to cease and desist this damaging false allegation. They are predatory, actions tantamount to willfull misconduct,
Product: Mortgage

In XX/XX/2021 I received a home construction loan from SOUTHSTATE BANK in XXXX sc. During the draws from the bank to the builder almost {$4000.00}. was misappropriated. An officer wIth the XXXX XXXXXXXX XXXX XXXX FRAUD DEPT. said YES that is FRAUD.
Product: Credit card or prepaid card

I held a credit card with BBVA Compass Bank before they were acquired by PNC. I regularly paid my bills via automatic debit. Not long after PNC acquired BBVA, my credit monitoring service alerted me that my account had been closed, but monthly payments continued to come out of my account. I called multiple times and spoke with several people to have the issue resolved, because I was still paying but my credit had dropped sharply due to my account being closed without notice. By the time someone got back to me without hanging up, I had left my job for a XXXX XXXX and was no longer earning an income. I spoke to an agent who informed me that due to my new financial position, I could pay no interest for a year and after a year, my interest payment would be lowered from 29 % to 4 %. I was told that someone else would reach out to me once everything was set up. I also authorized PNC to continue to debit my account for the monthly payments with the newly lowered interest. Not only did I never hear back from anyone, PNC reported my account as a charge-off. Because of this, I was denied the XXXX XXXX XXXX that I received last year and am having extreme hardship financing my education. I understand that many business are short staffed during this time, however as a young XXXX XXXX XXXX I feel as if my account was purposefully closed because it wasn't as valuable to PNC and this has put me in a difficult position, and this very negative mark on my credit will affect me later on
Product: Debt collection

I made a report with you on XX/XX/2023, in which the bank replied saying that they were going to withdraw the account from the credit bureaus. Today I am taking a letter from a law firm trying to collect the same debt. What should I do in this case, should I take them to court for harassment? Thank you very much in advance. 

Complaint ID XXXX
Product: Mortgage

In XXXX I obtained a home loan from XXXX Mortgage Co. At the time I was required as a condition of the loan, to submit a FEMA Standard Flood Hazard Determination ( SFHD ). The lender engaged XXXX, a third party certification business to obtain the SFHD and it was submitted as a part of the loan package. The SFHD stated that my home was not in a flood zone and that no Federal Flood insurance was required. 
In XXXX, Caliber Home Loans acquired XXXX Mortgage, and assumed my loan in the process. 
In XXXX XXXX, Caliber sent me a letter indicating that my home was in a flood zone and insisted that I provide flood insurance on the property. Through numerous conversations I explained that I had certification to the contrary and provided them with a copy the SFHD that I obtained through a senior loans officer at Caliber. Caliber continued to insist that I was in a flood zone and produced a copy of a SFHD that they purportedlyreceived with no preparers information ( as contained in the SFHD that was submitted with the original loan ). 
I continued to try and work with them to resolve the problem, but refused to purchase flood insurance as they were requiring. I supplied them with maps substantiating my position as well as copies of all SFHD information in my possession. I also submitted copies of the FEMA map certification showing that no updates or map revisions had been made since XXXX. 
Finally I spoke with a Caliber Insurance supervisor, XXXX XXXX XXXX, who told me that if I applied for and obtained a Letter Of Map Amendment XXXX LOMO XXXX from FEMA that showed that my property was not located in a flood zone, that Caliber would reverse all the insurance charges they had placed on my account. In XXXX, I received that LOMO at a cost of {$800.00}, and Caliber sent me a letter indicating that no flood insurance would be required in the future, however they refused to remove the insurance fees charged to my account from XXXX XXXX through XXXX XXXX. 
In addition, I have asked to speak with XXXX XXXX XXXX of their office to clear up the situation and they have not made her available to speak with me. 
I am very frustrated and feel that Caliber is not acting in good faith on this issue. Despite the fact that the paper trail shows clearly that they were in error to apply the flood insurance requirement, FEMA 's own regulations state that : " Whenever an institution makes, increases, extends, or renews any commercial loan secured by improved real estate or by a manufactured /mobile home, it must determine whether the building or mobile home offered as security is or will be located in an SFHA and complete the Standard Flood Hazard Determination form ( SFHD ) ... XXXX Caliber assumed this loan which is not covered in the FEMA requirement. All requirements for SFHD were complied with at the time the loan was processed. No amendments to the map were made after the loan and Caliber used a SFHD form in XXXX with no preparers certification.
Product: Credit card or prepaid card

I'm trying to dispute a particular charge with my Capital One credit card but the credit card company is siding heavily with the merchant and asking me to provide documents as evidence that are difficult or impossible to obtain such as " A second opinion on company letterhead from another merchant in the same field that states how the service was defective or did not match the description of your sales invoice ''. 

They've done this before when the merchant pushed back on the charge dispute and after I tried providing evidence, they immediately closed my case. 

In this particular case, I got scammed by a shady business called XXXX XXXX ( or XXXX XXXX XXXX XXXXXXXX ). Their website lead me to believe they can XXXX XXXX  when in fact they just sell a useless quiz for {$150.00}. I made the purchase on XX/XX/XXXX and requested a refund when I realized I didn't get what I paid for. The merchant said I should have checked their terms of service and threatened me with collections if I dispute the transaction. 

I'm not sure what to do at this point because I feel I got scammed but my credit card company is not siding with me.
Product: Debt collection

Submitted XXXX medical bills, XXXX of which are duplicates of each other. Attempting to collect interest without submitting source of interest charge. Called to point out these issues but was put on hold, then several minutes later directed to call back later.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.
Product: Payday loan, title loan, or personal loan

Just having problems getting my account re-opened with my same credit line Im a XXXX veteran still making payments on the account would like to have my account re-opened I was a victim of identity theft and my account somehow was closed and I would like to get my new cards sent out and my credit cards established
Product: Credit card or prepaid card

I am trying to get a statement as supporting documentation for my credit union to pay off this credit card. I have called to request the statement because the statements available to obtain are only until XX/XX/2022 and my bank needs a recent one. The rep at the credit card company said they dont have access to it due to them getting a new system. I spoke to a supervisor who put in a ticket to request the statement and I am still getting nowhere. They keep asking me to call for a payoff but my credit union needs a statement as supporting documentation.
Product: Student loan

I contacted Navient by phone ( an ordeal in itself to get a human being ) about 3 weeks ago to inquire about my loan interest when I became aware that I was not enrolled on Autopay, which offers a lower interest rate. I recall I had enrolled in autopay years ago and never stopped it. I kept being told that I had made a phone call to terminate autopay ; the first individual told me my interest rate prior to XX/XX/2015 was $ 6.625 % and {$6.00} after I terminated autopay on XX/XX/2015 by phone call to them. I asked to speak to a supervisor, who told me that I had " never had autopay '' that it had been denied because one of my loans was too old to qualify therefore that old ( and smallest of of loans ) disqualified me for the lower rate. She said if I wanted more information, to email them. I did email Navient requesting documents showing my interest rate prior to XX/XX/2015 and after or any changes in interest rate on their records, and proof that I had disenrolled in autopay ( I never, ever called them to stop it. ) I never received information that I had been turned down for autopay because one loan did not qualify due being " too old. '' I could not find information on their website about what qualifies you for a lower interest rate through autopay. The response to my inquiry was exactly the same they told me on the phone, without any documentation showing my interest rate before and after XX/XX/2015 or proof of my phone call, which is a total lie. 
This is their impersonal ( no individual name preparing it ) response to my written inquiry : Our records indicate that you applied online for the Auto Pay program on XX/XX/2015. Your request was approved on XX/XX/2015. You requested to terminate this program by phone on XX/XX/2015. 

I really appreciate your help on this matter. Either Navient engages in fraudulent practices or their customer services staff is outright unqualified. The result for their customers is the same- tremendous frustration and financial loss.
Product: Debt collection

Last time asking show me proof of ownership of this debt other wise legal action going to be applied for harassment. I have no knowledge of who you are. Send me contracts with my sign signature showing that I have applied for credit with LVNV please keep in mind cease and desist. And remove this from my credit files ASAP
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I applied for a loan with uplift for a loan and received an adverse action letter. I am a natural person, consumer who extended my credit in good faith to obtain a loan through Uplift. I was denied an extension of credit. Can someone look into this for me immediately! Pursuant to 15 usc 1691c 1692k 1691
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a freeze on my Lexis Nexis report to not allow them to share any of my information with anyone and they are still sharing my information with credit buraus against my will. The information regarding bankruptcies was not furnished nor verified by Wisconsin Bankruptcy Court. I enclosed a letter stating these facts and this company verifies to the Credit Burao XXXX and XXXX as if they received this information directly from the court it is unvalidated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times for Experian to remove this fraud alert from my account but they have been unwilling to cooperate. They take it of and without my authorization put it back on.
Product: Credit reporting or other personal consumer reports

By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.
Product: Mortgage

Parties involved : United Wholesale Mortgage as the mortgage company/underwriter. Best Life Mortgage as the broker/lender. 
A final closing disclosure was not given to me three days prior to closing. In fact, it was sent at XXXX on XX/XX/year>, the evening before our closing, which was the following morning on XX/XX/year> at XXXX. The reason that I have an issue with this is because I was driven to make a rushed decision with issues but no time to push back and still meet the closing date. The cash to close on the closing disclosure that I was told had been approved by the underwriter and had a XXXX on XX/XX/year> was at {$37000.00} and included the payoff of a personal car loan of {$5500.00} and was a 30 year@ 7.624 % interest rate. The last-minute closing disclosure that I received on XX/XX/year> at XXXX had the cash to close at {$46000.00} and did not include the payoff of the personal car loan and was a 20 year@ 6.874 % interest rate and a 0.754 % point buydown costing {$5200.00} which I was very clear from the beginning that I did not want to use any funds toward point buydown. When I tried to speak with the mortgage company on the phone regarding the issue they said I could not talk with them due to internal compliance. When I spoke with the broker on the phone, he brushed it off and said " what's in the past, is in the past '' since I have already signed the closing documents. Even after I pushed back and disagreed with the amounts on the last closing disclosure. However, I needed to sign the following day otherwise I would be charged by the law firm, the delivery company who was bringing my belongings, and we would have been homeless due to our apartment lease ending.
Product: Credit reporting or other personal consumer reports

They overdraft my account with XXXX XXXX and said that I didn't pay them when in fact I paid them. It was XXXX  dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

BankruptcyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I do not have a contract with the creditors thats attempting to collect from me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED : # XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested disclosure with negative accounts on my credit reports with the 3 Credit Bureaus XXXX, XXXX, and Experian. Credit Companies are not complying with their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 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 unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Debt collection

Agreed upon amount to settle debt was paid. Did not report to credit card company that this was a full settlement. Credit card company still reports I have a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX, Experian, XXXX, XXXX. about false information reported by XXXX XXXX. I contacted them all XX/XX/23 by phone and certified mail for them to remove this false information. I received a response from Experian that the information was certified and correct. I asked for proof of this which has not been provided. I know the XXXX XXXX does not provide information to the reporting agencies or any 3rd party data mining companies to certify. This statement by XXXX is false. This is false information and should be removed ASAP as there was no XXXX  XXXX XXXX that I was involved in. This is putting my business in a bad financial situation and companies like this should not be able to provide false information. Ty for helping in getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$43000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$6600.00} ; XXXXB - XXXX XXXX XXXX Balance : {$10000.00} ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

I've already tried to resolve these issues directly with them, but continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.
Product: Money transfer, virtual currency, or money service

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

this account was late payment date : XX/XX/XXXX, XX/XX/XXXX, since then has repeatdly been update as late payment those month. this is an update in the payment history. a late payment account shouldn't include an active payment history. this inaccurate information falsely manipulates the statute of imitation. please investigate this account properly after i asked you to do it ONCE and your neglect has violated my rights. i am demanding a upadating of the payments of the account : account number XXXX XXXX