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

On XX/XX/2020, I submitted our mortgage payment on XXXX ( Colorado Housing Finance Authority/ XXXXI or XXXX the payment processor 's website. I was assured we would not be considered 30 days late as long as we submitted it by XX/XX/XXXX, and that the payment was received and applied on XX/XX/2020. In the following 5 days I called CHFA/XXXX to see why the money had not left our acct, and was told it was not a problem, it sometimes took up to 10 days to process, but not to worry, the payment was counted from the date of submission. Finally on XX/XX/XXXX, I got a notification from credit Karma that my score had dropped almost 90 pts. Upon checking I found out that CHFA/ XXXX had reported a thirty day late payment days earlier. When I called and asked them why they had done that and not told me, they said it was done because they could not get a response to get the money from our bank. When we proved we had the money, upon checking through their customer service I was asked what the routing and acct number was. The agent said their web services had given one incorrect routing number. Upon checking with XXXX XXXX, they told us it was never presented for payment, and they had not received any call to find out how to resolve or receive the payment from them. We were told at various times over the next 5 months by CHFA XXXX customer service agents that this late payment should be considered a Bank / mortgage, clerical error, and should be removed from the credit bureaus. We submitted our proof of payments to them, the receipts of payment and application of payment, and made up the payment immediately as well as the next payment due in XXXX. But though we followed all their complaint and removal procedures, they refused to remove the 30 day late, and insisted on doing this when they have no proof that we commited any error and we in turn have proof of the payments all being on time in our mortgage statement and correspondence from them, including statements saying they had received and applied the payment successfully. 
They are feeling thousands of dollars over the course if the mortgage by trapping us in their high interest mortgage and keeping us from refinancing. We have found out other clients of theirs have also been denied credit when they discovered the same type of 30 day late payment processing errors on their credit reports. They are not following the FCRA reporting law.
Product: Debt collection

I had no clue of this credit card until I seen it on my credit card I did some research and filed a dispute through XXXX. Asking for contract with my signature. During dispute I asked proof validation of bill. FDCPA requires agencies to contact about dept it must include amount owed original creditor and how to dispute dept. I still havent heard anything from them. No contact no report. Can not report a dept to credit bureaus before contacting me. This law was implemented in 2021. Im not sure if this an ongoing thing but I have never been contacted on any of my collections. Having something like this on my credit over XXXX dollars. But I never used their credit card ever.
Product: Credit card or prepaid card

I opened a dispute on XX/XX/XXXX regarding a XXXX   subscription through my Chase Freedom account. I received no follow up correspondence via mail, email, or paperless correspondence. On XX/XX/2019 I received a notice that the transaction is considered valid. I called Chase, and was condescendingly told that there is nothing I could do. The supervisor told me that the transaction was valid because they "sent" me a letter on XX/XX/2019 and I did not respond. I never received a letter and I lost all claim to the dispute. There is no letter. Chase made a mistake and I'm the one facing the brunt of a $XX/XX/XXXX charge for a service I never received.
Product: Credit reporting

I sent Experian a dispute letter asking for my loans ( Acct : XXXX and XXXX ) listed as transferred from XXXX to be removed from my credit report immediately. I also sent them a copy of my letter I was sending to XXXX XXXX Exhibit D ''. I sent the dispute by certified Mail ( Exhibit XXXX '' ). I contacted XXXX XXXX and XXXX and they said that Experian never contacted them. XXXX weeks ago, I received notice from Experian that they investigated and no change to my credit report was needed after investigation. It is very clear they did not investigate, because XXXX and XXXX was never notified as well as my proof of deletion letter from them did not allow Experian to delete the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent certified mail letters to XXXX, XXXX, and TransUnion to remove a credit item from XXXX  because I am supposed to be included in this Class Action Settlement against XXXX. I wrote to the Office of the Attorney General, they sent me a letter dated XXXX XXXX with a PIU # of XXXX and said to follow up with XXXX XXXX who is administering money damages and XXXX is supposed to do loan forgiveness etc. I called XXXX XXXX because I never got a notice and they stated " I am not part of the Class Action Lawsuit '', despite having 2 auto loans over 23 and 26 % interest rate. I have let the Attorney General 's Office know that these 3 credit bureaus have done NOTHING to remove this from my credit report, they have done NOTHING to help me get monetary damages, and XXXX continues to DAMAGE me and my credit reputation preventing me to move forward with my life. I CAN NOT get a decent job that is high paying, nor get a credit card, not even a car nor a house, and this has DESTROYED my ability to have any future. I want CFPB to HELP ME by enforcing Federal laws and make XXXX, Attorney General Office, and credit bureaus PAY ME MONETARY and PUNITIVE damages for my suffering here. I have a job working at an agency, but I have lost ALL chances of getting a Federal job. I am XXXX. Too old to get a real job now thanks to their destroying my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent Experian a dispute for the following accounts XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has been more than 30 days and Experian has failed to notify me about these accounts. Since they have failed to give me any info on these accounts they have failed to obey the law. They must removed these accounts since they were not able to respond. I know they received my letters because in the same certified letter I sent I sent dispute for inquiries and they were deleted. So I know the disputes for the accounts were ignored as you can see below these are the letters I sent and copy of certified mail receipt.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance : {$16000.00} My rights have been violated regarding 15 USC 1681 ( g ), I have not been provided with the proper disclosure. I demand that these items be removed from my consumer report immediately.
Product: Credit card

To Whom It May Concern, I am writing to formally file a complaint against Apple Goldman Sachs Bank regarding fraudulent handling of disputed transactions and misappropriation of funds. Despite multiple provisional adjustments to my account following disputes and refunds, the bank has failed to reconcile these adjustments with my total balance, forcing me to pay unauthorized amounts and effectively withholding owed funds. 

# # # Key Issues : 1. **Fraudulent Balance Adjustments : ** - On multiple occasions ( e.g., XX/XX/XXXX ), the bank applied ** '' Balance Adjustments '' ** ( e.g., + {$14.00}, + {$11.00}, + {$5.00} ) and ** '' Daily Cash Adjustments '' ** ( e.g., {$0.00}, {$0.00}, {$1.00} ) labeled as refunds or dispute resolutions. However, these adjustments were **never reflected in my Total Balance** ( {$210.00} as per XX/XX/XXXX statement ). 
- For instance, a {$100.00} refund from *XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on Friday and a {$1.00} refund from ** '' XXXX '' ** on XX/XX/XXXX were marked as processed, yet the Total Balance remained unchanged, indicating systemic discrepancies. 

2. **Misleading Documentation : ** - The banks statements ( e.g., XXXX XXXX : {$220.00} ) show ** '' Payments and Credits '' ** ( + {$210.00} ), but these credits were never applied to reduce my owed balance. This suggests deliberate manipulation of transaction records to conceal unprocessed refunds. 

3. **Failure to Honor Dispute Resolutions : ** - Provisional adjustments labeled ** '' Dispute Provisional Adjustment '' ** ( e.g., + {$14.00}, + {$2.00} ) were reversed or ignored, leaving me liable for disputed amounts. This violates Regulation E and the Fair Credit Billing Act.

XXXX XXXX XXXX  Demand for Resolution : - Immediate correction of my Total Balance to reflect **all adjustments and refunds**. 
- A full audit of transactions from XX/XX/XXXX to XX/XX/XXXX. 
- Reimbursement of misappropriated funds, including accrued interest. 
- Written explanation for the discrepancies and assurance of compliance with federal regulations. 
Attached Evidence : - Transaction records showing unprocessed adjustments ( see XXXX ). 
- Balance statements proving unresolved credits ( see XXXX ). 

This pattern of behavior constitutes **unfair banking practices, fraud, and financial harm**. I request that the CFPB and BBB investigate this matter urgently and hold Apple Goldman Sachs Bank accountable. 

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

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/1997 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My account shows that it was charged off, I believe this occurred while I was unemployed and wasn't receiving benefits which I did explain to them when it was happening. Nevertheless, I am finally able to settle the account and would do so if they remove the blemish from my credit report. They informed me on XXXX at approx. XXXX XXXX  CT they can not do that but did acknowledge they are responsible for the credit reporting note. 

They originated the account and hold the debt but said they are unable to negotiate any settlement. But I still have a blemish and no means of removing the mark from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding Equifax 's failure to respond to multiple dispute letters I have sent over the past few months concerning inaccuracies in my credit report. 

I initially sent a dispute letter to Equifax on XX/XX/year>, followed by a second letter on XX/XX/year>. Despite waiting an appropriate amount of time, I have not received any response from Equifax regarding these disputes. 

Furthermore, on XX/XX/year>, I sent another letter to Equifax specifically addressing additional inaccurate information that I have identified in my credit report. To date, I have yet to receive any acknowledgment or resolution from Equifax regarding these inaccuracies. 

These inaccuracies are having a significant negative impact on my credit score and overall financial health. It is imperative that the inaccurate information be corrected or removed from my credit report immediately. 

I am requesting the assistance of the Consumer Financial Protection Bureau in this matter to ensure that Equifax complies with the Fair Credit Reporting Act ( FCRA ) and addresses my disputes in a timely and appropriate manner. 

Enclosed, please find copies of the letters sent to Equifax and any supporting documentation.
Product: Debt collection

Kimball spammed me with mail to inappropriate addresses telling me I had 30 days to respond to a debt. I responded. They reported the debt to my credit bureau and continue to harass me. I told them I didnt owe it and I needed proof. They have not provided proof just XXXX papers that anyone could forge. When asked about originals and more proof, they send generic letters over and over again stating the same thing : I have 30 days to respond. I respond to all the letters and tell them they need proof otherwise stop harassing me. Yet they continue and continue.
Product: Money transfer, virtual currency, or money service

I was sending a friend monies and I only have a chime account. I saw the pay anyone. I entered in her telephone number. I called chime minutes later asking how long before the link would be sent to XXXX XXXX phone. I was informed an individual that has a chime account at one time had XXXX XXXX number and they hadn't updated their information. This transaction should have been canceled but Chime told me there was nothing they could do. I had XXXX next to me and explained to them XXXX is the owner of this number. I sent XXXX. I live on a fixed income. XXXX was borrowing the money and was paying me back in 2! days. I have spend the last 7 days on the phone with chime as they continue to dispute my claim. In the meanwhile the chime member that has the same number withdraws the XXXX. This should have been canceled the minute I called and raised a red flag. They ask me to provide proof XXXX owns the phone. Which I did XXXX went to XXXX and had her latest bill printed. Chime never intended on refunding me the monies nnif I wanted to pay a chime member such as XXXX I wouldn't have done the pay ainyone ni did not enter XXXX number I entered a phone number. Chime says its XXXX  fault for recycling s number. I say chime was careless and should have canceled the transavtoon when XXXX didn't receive the link immediately as promised. It's not their money. They don't care or have any interest in protecting their clients. In the meanwhile my bills are bouncing I'm piling upon overdraft and late fees return check fee. This is so stressful. I have been on the phone with yen for 8 days and they take minutes to send me a denial. I need help. I have no idea how I'm gon na recover from this
Product: Student loan

My son took out a total of {$120000.00} in student loans with Discover Financial beginning in XXXX through XXXX. I was his cosigner, since this was the only way he could be approved to borrow money to further his education. Being this was my XXXX child to attend college and we were never educated on the negative impact private student loans came with, we now owe Discover {$170000.00}. The loans came into repayment in XXXX XXXX ( with over XXXX in capitalized interest added to the principal of the loan ). The monthly payments my son is required to pay are {$1600.00}. He is unable to afford these payments since he also is paying Navient student loans and federal loans ( which are both affordable ). I am also unable to afford to pay the Discover loans because within the past few years I got divorced and now my income is not sufficient enough to afford {$1600.00} per month. We have contacted Discover time and time again begging them to renegotiate the loans and make it affordable for us to make payments. We are not deadbeats and want to make payments, however they wo n't budge or offer us any reasonable alternatives. We were advised by them that until the loan defaults 6 months they wo n't help us. I do n't understand why a company wo n't help out the people that have good intentions to pay until they have ruined your credit and harassed the XXXX out of you. If my son was able to get the dream job that his college degree is in ( XXXX ) there would be no issues. But since the XXXX XXXX XXXX has changed their hiring procedures and now they hire people off the streets instead of from a prestigious school like the one my son went to, he is suffering with mounds of student loan debt and no opportunity to work in the field of his degree. Please help us - what can we do to get Discover to work with us and reduce the principal of the loan, reduce the interest rate and renegotiate the terms to extend the life of the loan so we can begin making affordable payments. I believe they overlend to students who are desperate for a good education and then they bully you with exorbitant interest amounts added on which increases the loan making it unaffordable. They want to ruin our chances of ever being able to make affordable payments because nobody will even consolidate that amount of loans. We are in a no-win situation with them. Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2022 i have been trying to complete a consumer transaction in purchasing a home and i noticed alot of discrepancies and inaccurate damaging information in my credit history from multiple credit reporting agencies. I have reached out to the agencies and they did not response. According to the Laws of USC 15 U.S.C 1681 these are not supposed to be on my credit account these reporting agencies have cause grave damages to my character and ultimately decrease my ability to transact consumer actions.
Product: Debt collection

I am filing this complaint against LVNV Funding due to their failure to validate a debt they claim to own and their use of fraudulent methods to pursue collection. 
account numbers : XXXX, XXXX, XXXX, XXXX Failure to Validate Debt : LVNV Funding claims that I owe a debt, but they have failed to provide proper validation despite my repeated requests.

They have not provided a chain of assignment or proof that they legally own the debt or have the right to collect it.

Instead of validating the debt, they sent what they claimed to be a " court judgment. '' Fraudulent Court Judgment : The judgment they sent me was never properly served, and I was not notified of any lawsuit or court proceedings. 
This lack of notification violates my right to due process and is fraudulent. 
If such a judgment exists, it was obtained without my knowledge and must be overturned. 

Impact on My Credit and Financial Health : LVNV Funding has damaged my credit by reporting inaccurate and unverifiable information to the credit bureaus.

Their actions have caused significant stress, and their refusal to provide proper validation has made it difficult for me to address this issue.

Resolution Requested : I request that LVNV Funding immediately remove the alleged debt from all credit bureaus ( XXXX, XXXX, and XXXX ). 
I demand that they provide proof of ownership of the debt, including the full chain of assignment from the original creditor to LVNV.

If a court judgment exists, I request that it be reviewed and invalidated due to lack of proper notification and fraudulent practices. 
I also ask that appropriate regulatory action be taken against LVNV Funding for their violations of the Fair Debt Collection Practices Act ( FDCPA ) and my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, BK OF AMER XXXX Date Opened XX/XX/17 Balance {$4400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

MONTEREY COLLECTION SV Is attempting to collect a debt. for a Timeshare owned by a company or someone of similar name. They have put it on my credit report and are refusing to remove the collection and are also refusing to provide proof that the account is valid.

We have attempted to dispute the collections through the Credit Bureaus but it has not been removed, the credit bureaus have explained to me that they are not required to ask for proof that the accounts are valid, that the creditor themselves has to clear the verification to themselves.

I have also sent a request for validation to Monterey via certified mail and have received nothing in return at all.

MONTEREY COLLECTION SV is utilizing my credit to attempt to intimidate me into paying for an account that is not mine at all and refuses to show the deed for the account because it shows a different owner. 
I will attach the only deed in XXXX XXXX FL that I can find that has a name similar to mine for the Timeshare they say I own.