23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On  XXXX   XXXX ,  XXXX  {$320.00} was taken out of my account automatically because, I gave the company permission to take out the final balance due for  XXXX  so that I would have a zero up-to-date balance for the month. On  XXXX / XXXX / XXXX  I had to call Navient because I noticed there was a negative balance of {$54.00} on my account but, there should not have been because I authorize them to take the total payment that was due. When I called the agent told me that the funds were " improperly distributed ''. Upon the  XXXX   XXXX  agreements to automatically extract the money from my account, I had to agree in a recorded conversation and a follow-up letter was sent to me stating that the money would specifically be extracted from  XXXX  particular accounts. When we I asked where did the money go they did n't give me a answer.     Throughout the course of me having this loan they told me I could not consolidate my loans, I had to pay out of pocket while returning back to school in  XXXX . I was told that there was nothing I can do to stop the loans while I was in school because they were private loans ( lenders in brokers of  XXXX   XXXX  ). After months of them lying, I was told I would able to put my Navient loans on hold while I was still in school and they provided my school with the paper work to do so. After school was over in  XXXX   XXXX , I found out that they made me take a forbearances to hold off on the loan, owing over {$600.00} back student loan payment payment, which took me until  XXXX   XXXX  to catch up to with the help of my parents.     Today is  XXXX   XXXX ,  XXXX  and as I log into my account again last month I paid {$500.00} in student loan payments, early at that. Only for them to say I missed a payment and I am being charged a late fee. In the article it states on  XXXX   XXXX , " Among other things, the CFPB alleges that since at least  XXXX   XXXX ,  Navient  misallocated payments, steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. '' This is all true information and it continues to happen to me. You have to check everything because they are Federal lying, thieves. In addition, they hire outsourced foreign help which makes it harder to understand and takes away from the American job market.     At  one  point I questioned who are they to determine how much money a person can pay back when their work situation does not meet the required payment amount a month. I was wrongly advised to be on the interest only program from  XXXX . Due to this  XXXX  poor financial recommendation by, at the time  XXXX   XXXX . I never touch my principal loan until  XXXX . When I inform them that I can not meet the high standards they 're requesting me to make due to the poor job market, I asked them should I be out i n the street  homeless they told me yes! If that 's what I needed to do to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trident Asset Management placed a collection account on my credit reports. The original account holder was XXXX Credit Card. XXXX  placed my account with another agency and I have paid it and it is scheduled for deletion from my credit reports. The collection agency, XXXX XXXX phone number XXXX. Trident placed this account on my credit reports on XX/XX/2020 in the amount of XXXX acct # XXXX and updated again on my credit report on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

My Mortgage loan is currently held by Ditech, and Ditech has a glitch on their customer web portal, reporting wrong/erratic payment figures ( one month is shows {$780.00}, next month it shows I paid {$810.00}, next month it shows {$1500.00} ) See attached account page screen shot with figures circled in red. 
I called Ditech severally, sent several emails but Ditech never responded. I went ahead and paid the last figure ( see attached screen shot ) they were asking on the web portal and to my shock a week afterwards, Ditech puts a derogatory report on my credit stating I missed a mortgage payment ( yet no late fees levied by Ditech -- web portal stills ays i 'm in good standing the whole time ). Several calls and emails from me following the credit report has still gone unsanswered this past 3 weeks. Somebody help before Ditech ruins me!!!!
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting or other personal consumer reports

On XXXX my credit was ran by these 4 companies without my permission. According to Law FCRA SECTION 605B This Is Illegal. I would like these removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dignifi is reporting fraudulent accounts to the credit bureaus. These accounts arise from identity theft. My information has been compromised in the XXXX data breaches. Dignifi is also reporting late payments. I am being harassed by text, phone calls and emails about payments due that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX XXXX ( XXXX ) added a derogatory mark on my credit report per Transunion. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX XXXX ( XXXX ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Debt collection

1. sent a debt valadation letter no response violation of 15 U.S. Code 1692g ( b ) Collector must cease collection efforts until debt is validated Validation of debts proof letter was sent certified mail and signed for proof in the attachments 2. all three credit bureas and this company continue to furnish inaccurate information after being warned violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. this account was closed should be closed but the account status shows open a collection account law clearly states must be 100 percent accurate and i never gave written consent to furnish anything on my report also this company is not registered with the DFPI PURSUANT TO THE CALIFORNIA NEW ACT ( DCLA )
Product: Debt collection

I have tried 4 separate times to make good on judgement. Continue to get false and misleading information. Have asked for multiple managers and follow up by other reps or mgrs to no avail. My account and money is being locked up over 2x because of bank hold and wages are being held x2. No money has been taken even though repeated attempts and phone calls to resolve in full. Every time I am treated poorly with no solutions for help.
Product: Credit reporting or other personal consumer reports

Date XXXX XXXX Re : Account # XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & XXXX ; Transunion or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TEXAS, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Additional information for : CFPB COMPLAINT EXPERIAN INFORMATION SOLUTIONS INC . 

FCRA WILLFUL NONCOMPLIANCEVIOLATIONS for - ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) i am also seeking damages for FCRA willful noncompliance, but not limited to, for each violation. below is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S.Code {$16000.00} - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S.Code 1681b Permissible purposes of consumer reports 8. Under 15 US.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S.Code $ 1681c -Requirements relating to information contained in consumer reports.

According To 15 USC 1681n ( a ) ( 1 ) Any Actual Damages Sustained By the Consumer As the Result of The failure Or Damages of not Less than {$100.00} and Not more Than {$1000.00} ; I Want XXXX XXXX dollars Per Violation. 


Please see ( CFPB COMPLAINT ID # I am also seeking damages for FCRA willful noncompliance, but not limited to, for each violation. below is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S.Code {$16000.00} - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S.Code 1681b Permissible purposes of consumer reports 8. Under 15 US.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S.Code $ 1681c -Requirements relating to information contained in consumer reports. 
According To 15 USC 1681n ( a ) ( 1 ) Any Actual Damages Sustained By the Consumer As the Result of The failure Or Damages of not Less than {$100.00} and Not more Than {$1000.00} ; I Want XXXX XXXX dollars Per Violation. 
I expect this letter to be taken seriously and i demand this fraudulent account be blocked and removed from my report as I have provided you with the required information with CFPB ID complaint #
Product: Money transfer, virtual currency, or money service

In XXXX, I had sent money through Zelle to someone I didnt know not knowing that I couldnt recover my money. Zelle didnt have a disclosing statement when using Zelle XXXX it was my first time using it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Experian** XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, **RE : Dispute of Account - XXXX XXXX XXXX XXXXXXXX ( Account No. XXXX ) ** **FCRA Section 611 ( 15 U.S.C. 1681 ) Request for Reinvestigation** **CFPB Complaint ID : XXXX I am writing to formally dispute an item listed on my Experian credit report, which pertains to the account referenced above with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously filed a complaint with the CFPB regarding this account ( CFPB Complaint ID : XXXX ). Despite this, Experian returned a " verified '' response in the initial complaint. 

Under my rights granted by the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting a full reinvestigation of this item. Specifically, I am asking that Experian either : 1. **Verify the source of the information** used to return a " verified '' status in response to my CFPB complaint. I know that Experian did not contact the Federal Trade Commission ( FTC ) to verify the underlying facts outlined in my identity theft affidavit. Please provide me with the details of the source used for verification.

OR 2. **Delete the contested item** from my Experian credit report, as required under the FCRA, if proper verification of the information can not be provided. 

Failure to respond to this request within the statutory time limit will leave Experian in violation of the FCRA. If Experian can not properly verify the disputed account, I will expect this item to be removed from my credit report immediately. 

Additionally, should Experian fail to disclose the source of the verification and continue to report this erroneous account, I will be seeking compensation for all credit denials directly resulting from this contested item, as Experian would be in willful and negligent noncompliance with the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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

On XXXX I disputed inaccuracies, I came across my credit report from XXXX, and Transunion XXXX XXXX XXXX XXXX 


Both credit bureaus had vast discrepancies in the information reporting, although their investigation results dated ( XXXX ) XXXX advised they were still investigating, and it should be completed by XXXX. Which is past the 30 days allowed. The investigation did not change information reporting, there are still inaccuracies. I sent a method of verification request on XXXX via certified mail. That request was ignored by both credit bureaus. I have yet to receive that information which is now past the statue time.
Product: Payday loan, title loan, or personal loan

just recently found out that lendmark financial is using predatory lending. they never disclosed the interest rate to me and i saw where my loan will take a lot longer to pay off. the only way i viewed my interest rate was online using lending tree that revealed it.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter to Equifax indicating information in my credit report that we neither made nor authorized by me. I believe these inquiries were the result of Identity theft and indicated so in the letter. 

Along with the letter, I also provided the following : 1 - Copy of the Identity Theft affidavid 2 - Copy of the Credit report highlithing inquiries in question 3 - Copy of Driver 's License 4 - Copy of Social Security Card 5 - Copy of Utility Bill This letter was received by Equifax on XX/XX/2024 at XXXX XXXX  according to XXXX XXXX Mail receipt. 

However, as of this date, the information has not yet been removed from my credit report. As XXXX does not currently a telephone number that can be used to talk to a life agent, It is impossible to follow up with them to determine the result of my request. 

I also requested that Equifax provide a copy of the updated credit report once the changes were made.
Product: Payday loan, title loan, personal loan, or advance loan

Took out loan to pay another loan. I am a totally and permanently XXXXXXXX XXXX I will die soon from my injuries while stuck in this endless borrowing cycle because I am unable to work.
Product: Checking or savings account

I entered a local US Bank branch this afternoon to pay the {$1.00} my account was overdrawn because of THEIR account fee, with CASH, and close my account. The teller took my {$1.00} in CASH and entered it as a CREDIT deposit instead of a CASH deposit and told me that she couldn't close my account because the " system '' wouldn't allow it as the CREDIT deposit is " pending '' yet my account balance is now $ XXXX!! The teller then informs me that " she'll write herself a note '' and get into my account TOMORROW and close it then. My CASH deposit of {$1.00} should have posted immediately, it is NOT a check and is NOT over whatever limit they have set on available funds after a CASH deposit. I have absolutely no confidence that my account will be closed and I do believe it is within my legal rights as a consumer to close out my account after making a CASH deposit that brings my account balance to $ XXXX! Contact was made with US Bank and I spoke to no less than five ( 5 ) human agents who continued to insist there was no one available to neither own responsibility for this issue nor access my account and close it down. In the meantime I am left in limbo with an open account relying on an employee who works for a banking institution that has screwed me over every chance it gets to close an account down for a customer who's information is now plastered all over a scrap of paper that could end up in ANYONE 'S hands. This is not the first fraudulent act they have committed with my accounts, but this will be the last. Now they have given me no choice but to file a complaint and pursue all legal remedies at this point. I want this account closed NOW or an audit of the entire institution and it's financial practices done. I have the right to close my account when my balance is $ XXXX, and made every attempt to do just that both in person in a branch and on the phone not more than an hour later with a total of six ( 6 ) different HUMANS today all lying to me telling me NOBODY can get into their system and fix the issue or close my account! I'm supposed to just sit here and wait while my account remains open with a XXXX balance for yet another HUMAN to keep not only my information on a piece of scrap paper safe but expect and rely on that same HUMAN to actually remember to follow through with this tomorrow?!?!? SERIOUSLY??
Product: Credit reporting or other personal consumer reports

My Information was sold and bought illegally because i was a victim of the eqiufax data breach back in 2017 having trouble removing the negative items on my report I want these items deleted from my Credit reports effective immediately. I am Attaching proof that Equifax has admitted that i was in fact a victim of this data breach ( XXXX XXXX XXXX ) and Equifax has done nothing. Please help me delete these illegal account from my credit reports, Accounts XXXX  XXXX Closed Account # XXXX XXXX Closed Account Number XXXX XXXX XXXX  Account # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed XXXX XXXX Closed XXXX closed XXXX XXXX XXXX Closed XXXX XXXX XXXXXXXX XXXX closed XXXX in correct auto loans saying closed whenn they were paind in full XXXXXXXX XXXX in full and XXXX and XXXX XXXX XXXX for XXXX never had XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( TRELLIS COMPANY ***** Opened Date - Balance {$0.00} ) You are reporting inaccurate information on this account. The balance is zero and the account status was already closed. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation 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 despite 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 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX... AVANTE ( Original Creditor : XXXX  XXXX XXXX  ) XXXX ... XXXX  XXXX  ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one  account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.