23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Hello- Experian has been provided proof that the accounts listed below are being reported in error and that their subscriber is no longer in business, or have failed to provide any proof of debt. I again ask that the information being reported be verified outside of XXXX and the names and contact information be provided to me if Experian chooses not remove the items in accordance with the FCRA 15 USC 1681 et seq. This erroneous information continues to be provided by Experian in violation of before mentioned statute. 

ACOOUNTS BEING REPORTED IN ERROR : 1. XXXX- XXXX, Not owed 2. XXXX- XXXX, Paid directly to provider, proof of payment provided We appreciate the CFPB 's assistance in having the above erroneous items removed or updated by Experian. 

Thank you.
Product: Credit reporting or other personal consumer reports

Upon examining my credit reports, I observed an instance of a late payment on my XXXX XXXX credit card account # XXXX, which I have consistently maintained timely payments on. Attached are screenshots depicting the account statement displaying a late payment in XX/XX/year>, as well as my bank statement showing where the payment was made in full during the month of XX/XX/year>. 

Kindly conduct an investigation to verify and furnish evidence demonstrating the lateness of the payment. If no evidence can be provided, I insist that the late payment status be rectified to reflect " paid on time, '' as I have never defaulted on my payment obligations. 

Thank you for your prompt attention to this matter. 
[ Attachments : Screenshots ]
Product: Debt collection

I am writing regarding the alleged debt that your agency has reported on my credit report. Upon reviewing this entry, I believe your agency has violated the Fair Credit Reporting Act ( FCRA ), specifically by failing to provide a purchase agreement and validate the debt.

Under the FCRA, I am entitled to accurate and verifiable information on my credit report. Your failure to comply with FCRA requirements constitutes a violation, for which I may be entitled to statutory damages of up to {$1000.00}.

In light of this violation, I demand that you delete this account from my credit report with all credit reporting agencies immediately. Additionally, I request written confirmation that this account has been permanently removed and will not be re-reported in the future.

Failure to resolve this matter promptly will leave me with no choice but to seek legal recourse to enforce my rights under the FCRA, including pursuing the {$1000.00} statutory fine per violation.
Product: Mortgage

The company is using discriminatory and fraudulent methods to close all sorts of loans. They are forging documents, specifically pay stubs and w2s, and more to get unethical closings. They are also actively discriminating against FHA & VA loan applicants by icing them out. They are training associates to not respond and to make things more difficult for loans that do not make a certain amount of commissions.
Product: Student loan

I consigned for a brutha and we were waiting for the government to pay the loan off but they did the wrong paperwork and now our credit got hit with a no payment.
Product: Debt collection

On or around XX/XX/XXXX, AMSHER COLLECTION SERVICES reported a collection account on my credit report for a balance of {$270.00}, allegedly originating from XXXX. This account was marked as derogatory and placed for collection. The account was last reported on XX/XX/XXXX, negatively impacting my credit profile. 

I have not received prior notification or validation of this debt from AMSHER COLLECTION SERVICES. I have disputed this account with the credit bureaus and the company, requesting proper validation, including proof of ownership, a full accounting of the balance, and a signed agreement proving my obligation. Despite my requests, AMSHER COLLECTION SERVICES has not provided the necessary documentation to substantiate this claim. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to accurate reporting and verification of any debt before collection efforts continue. Since AMSHER COLLECTION SERVICES has failed to provide sufficient validation, I am requesting the immediate removal of this account from my credit reports and a cessation of all collection activities.

If this matter is not resolved promptly, I will escalate my complaint by filing reports with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies.
Product: Debt collection

I writing because I pull my credit on XX/XX/XXXX found out about this collection from CONVERGENT OUTSOURCING Account # XXXX Original Creditor : XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did not reply to my initial letter CONVERGENT OUTSOURCING they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre. 5 ) Your office has failed to respond to this validation requested documents stated in the validation letter all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately..Be aware that I am making a final goodwill attempt to have your clear up this matter.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.
Product: Checking or savings account

Hello. I recently filed a fraud claim with my bank against cashapp in the amount of {$1400.00} on XX/XX/2023 and i had a new debit card rushed to me. The new debit card came in and i was going to go to the drive up chase branch near me, the only one near me. The branch doesnt have the option of going inside and talking to someone its just a drive up ATM in XXXX XXXX IL XXXX 

i tried using my digital wallet that i had linked through the mobile app and the transaction declined for possible fraud which i verified was me via the text it sent to my phone and tried again and it failed once more. 

I called Chase bank and verified my identitiy and was told my card was shut off and i needed a new one..after trying to have a new card issued, i was told by the rep on the phone told me that my account was restricted for a check deposit when ive never deposited a check into my chase checking account. Never. So i was lied to on the phone by customer support. i was using my debit card just fine before attempting to withdraw money out of my account at YOUR branch drive up ATM. 

I was told i had to step into a branch to verify a check but ive literally never deposited any check into my account before. Never had any issues with CHASE BANK before this whole situation happened today XX/XX/2023. All i tried to do was remove the funds given back to me from a fraud claim the previous day and now my entire account is restricted about some check i never even deposited into my account so im really lost here and this has been an awful banking experience, i dont recommend Chase to anyone if you dont wan na go through hoops just to get your money and use it how you want lol what a joke.

I've attached screenshots of my 2 bank statements as well. No mention of a check deposit anywhere in my checking account. SO WHY IS MY ACCOUNT RESTRICTED?
Product: Student loan

I have been a claimant in the Class Action Lawsuit, Case No. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navient Solutions , LLC, Navient Credit Finance Corporation . I got to the finish line of this 12+ year lawsuit and submitted a claim. My four XXXX XXXX Loans, as part of the settlement agreement, should have been " forgiven '' and a reimbursement check of {$130000.00} sent to me. The Settlement Administrator notified me as they progressed to the payment portion of the settlement, that Navient had denied my claim as Navient does not own my loans. This is not true. I have tried to contact the attorneys on both sides of this lawsuit, but no one will respond. I did write to Navient via the website and received this affirmation of Navient owning my loans : XXXX, Thank you for contacting us regarding the Lender of your loans.

The current lender of your loans is Navient XXXX XXXX XXXX. The ownership did not leave Navient, Navient has held your loans since 2014 when Sallie Mae and

Navient split into two separate entities. We appreciate the opportunity to serve you.

Best Regards, XXXX, Loan Servicing Specialist I need help making Navient honor the settlement of this lawsuit, forgive my four XXXX XXXX loans, and reimburse me payments made when they should have been returned due to the loan 's validity.


I have many files I can send to back up my claims and show Navient is not being truthful or fulfilling its obligation to the settlement agreement. I am certain that there are many others that may have had their claims denied with fictitious reasons as well. Please help. Can you ask XXXX XXXX XXXX XXXX  office to help too? 

Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our house was foreclosed on. We were never notified our mortgage was sold we never knew the balance we never received statements except for XXXX days before the scheduled sale saying we have to pay over XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

address that are not mine : 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 accounts that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX has been sending me collection notices in the amount of {$22000.00}. The collection has been reported as a past due balance. I don't know this company. I have never done any business with this company. Thi9s company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Report Number XXXX was generated by XX/XX/XXXX about XXXX XX/XX/XXXX. They deleted the account due to Fraud and  inaccurate information. The company XXXX XXXX XXXX then fraudulently changed the account number on the item, and Re-reported it as NEW debt. This is illegal. I contacted XXXX  and they said the information is accurate. I submitted proof and FEDERAL TRADE COMMISSION reference numbers to prove fraud was reported about my personal info. STILL they allowed this company To say i have a debt I never had. This is illegal, and the partnership XX/XX/XXXX has with its vendors is QUID PRO QUO, because they are being PAID by their clients they post this credit information for. So they arent inclined to make a fair, thorough, or impartial decision when it comes to someones credit juxtaposed against what a creditor says. Please stop XX/XX/XXXX and XX/XX/XXXX from committing such fraudulent acts. Your consideration in this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries and accounts that I did not authorize, made by the following companies : Accounts XXXX XXXX account # XXXX XXXXXXXX XXXX {$81.00} Inquiries : 1. ( XXXX XXXXXXXX XXXX XX/XX/XXXX ) 2. ( Department of Education XX/XX/XXXX ) 3. ( XXXX XXXX XXXX XX/XX/XXXX ) 4. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( Department of education XX/XX/XXXX ) XXXX. ( XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( Department Of education XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XXXX. ( Department Of education XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX  XXXX XXXX XXXXXX/XX/XXXX ) XXXX. ( XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. ( XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXXXXXX 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  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copiestt of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Checking or savings account

TRUIST bank ( formally Suntrust account ) allowed someone to cash a check made out to me and cashed it against my checking account and the check was returned to them by the maker of the check and therefore they took {$2800.00} from my account. When I received the notice dated XX/XX/2022 on XX/XX/2022 I immediately called the FRAUD department that evening and told them that I have no idea who the company is and that I did not cash any such check against my account, have never seen the check before nor had it ever been in my possession. They advised me to go to my local branch and fill out the proper paperwork. On XX/XX/2022 I went over to where I do my banking and dealt with XXXX XXXX, the Branch Leader and we proceeded to complete the documents, including an Affidavit of Fraud, signed and notarized, that she said was needed to get an investigation started. The Case # given was XXXX and said that they would contact me in 2 days. On XX/XX/2022 I went into the bank again and advised XXXX XXXX that I had not heard anything, and she called the fraud department again, and again they said that Supervisor would be in touch by XX/XX/2022. No one ever called but I received a letter that stated my claim was denied and that if applicable, evidence would be provided. Since that letter, we have continued to try to reach someone at the fraud department and request this so-called evidence that they have that is causing my case to be closed. I did not, have not and never did receive any funds from this check nor did anyone I know receive any funds from this fraudulent activity against me. It is now XX/XX/2022, and XXXX XXXX has not been able to assist me to get my money back and no one has contacted me. I called today XX/XX/2022 and spoke to XXXX in the fraud department again to get the evidence that determined their findings as well as XXXX XXXX filing a complaint and she stated that she would, once again, get a supervisor to call me by XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Absolute Resolutions Investments , LLC for reporting inaccurate and unauthorized information on my credit report. This company has obtained my personal information from a debt collector who previously wrote off the alleged debt, and they are now attempting to collect or report it without legal basis. 

The original creditor XXXX XXXX XXXX XXXX previously charged off the debt, and according to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), this debt should not have been resold or re-reported without my authorization. 

Additionally, under XXXX XXXX XXXX XXXX, companies furnishing information to consumer reporting agencies must ensure that the data is accurate and up to date. 

This third-party company is illegally furnishing and reporting false information that is negatively affecting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I will sue your company for violating my consumer rights under FCRA & FDCPA if you continue to refuse for my validation request.
Product: Vehicle loan or lease

XXXX XXXX CA I have contacted this company at least 20 times. They are reporting my account as Paid, was a charge-off. My account was paid in full prior to charge off. I even received a refund check from the company for overpayment. How can they charge off an account I overpaid? I have requested them to update my reports and they are stating that the charge off is correct. If this was charged off, why do I still have my vehicle?
Product: Credit card or prepaid card

I paid a contractor by the name of XXXX XXXX a duplicate payment of {$3600.00} via XXXX on XX/XX/2020 in which I asked my credit card company to refund the duplicate payment. I provided proof of the paid invoice signed by both myself and the contractor. I also provided a copy of the email he sent in which he requested for a refund to be made to me as he confirmed I didn't have a balance outstanding. Instead of refunding a refund, Capital One provided a chargeback and has since been charging me interest on a balance I didn't owe. I have spoke with both XXXX and Capital One to get the issue resolved. At this point XXXX said they are willing to refund me my money once Capital One reverses the chargeback that occurred in XXXX of 2020 and provide proof other than my billing statement to show where the money was returned back to XXXX. XXXX has taken the position that they are yet to receive or be able to track the money that was supposed to be sent back to them.
Product: Credit card or prepaid card

I opened my Chase Amazon Rewards Visa card on XX/XX/XXXX and I became an XXXX XXXX member on XX/XX/XXXX. I used my Chase Amazon Rewards Visa card to purchase my XXXX membership. Per the terms of my credit card, I should have been receiving 5 % back for having an XXXX XXXX account paired with my Amazon Rewards credit card. 

Shortly after my opening my card I realized it did not appear that I was getting 5 % back but instead receiving only 3 % back. I called chase to ask about this and was told that I was in fact receiving 5 % back because I now had XXXX XXXX attached to the card. Over the next few years I have called XXXX and Chase regarding this issue as it appeared time after time that I was still only receiving 3 % back despite their claims that I would be getting 5 %. Both companies, XXXX and Chase, have placed blame on the other but I was still not receiving the correct rewards per the terms of my credit card which I have found to be Chases fault. 

Most recently, when calling Chase, I was told by a customer service representative on XX/XX/XXXX that they were unsure why I was not receiving the correct rewards percentage as they could see in the notes on my account that my XXXX XXXX membership was purchased annually with that card and that my XXXX membership has been reviewed by Chase. The person from chase I spoke with let me know that I should have been receiving the 5 % back as it was reviewed annually by the credit card company and she was not sure how that had been glossed over but she would fix the issue. 

Chase then sent me a letter dated XX/XX/XXXX letting me know that it was XXXX fault for not informing them I had XXXX, despite myself calling to tell them multiple times as well as my credit card being charged for XXXX annually since XXXX which was reviewed per a chase customer service representative. 

Chase has now closed the case insisting that they owe me nothing and have done nothing wrong and today when I called to once again ask for help I was hung up on by XXXX the customer service manager I spoke with. 

I would like the full rewards points I have earned for the last 6 years. I have earned these rewards and legally, per my credit card terms, they are owed to me. If this is not resolved in a more appropriate manner than blaming another company for Chase dropping the ball then my next step will be to seek legal counsel.
Product: Credit reporting or other personal consumer reports

I disputed more than five times XXXX XXXX XXXX XXXX XXXX  I stated Im a victim of the EQuiFaX data breach my personal information was compromised I sent in police report ftc report id social and proof of address , and nothing changed got a letter stating information accurate account remains on credit report.
Product: Mortgage

XXXX. XX/XX/XXXX I ask to remove my private mortgage insurance over the phone. 
They send me the PMI remove request form which arrives on XX/XX/XXXX. 
XXXX. I send PMI removal request form along with BPO fee of {$150.00} fee in the form of check. 
I confirmed with mortgage company how to write the check but no one gives straight answer. I could clearly feel they just trying to give me hard time. After couple of days of my pursuit on this question I finally find a person on their line who tells under what name check should be drawn. This should have been originally mentioned in the form on how to send the fee if not any of the agent on their customer support line should be able to answer. But they made it incredibly difficult for me. 
XXXX. I finally send the check and PMI removal form on XX/XX/XXXX. My bank statement shows check is withdrawn on XX/XX/XXXX. 
XXXX. XX/XX/XXXX I get mail from them regarding this correspondence I have initiated. 
XXXX. XX/XX/XXXX they send the letter that they have not received BPO fee. And They are asking me to restart the process all over again. That means send the PMI request form again along with BPO fee. They also give the reason that validating period is expired. 
They never mention about any validity period initially while sending the form first time. 
They are bringing the surprise of validity period and not acknowledging the payment they received. 

Please find the attached proof all the correspondence and proof that BPO fee was deducted.