23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. 
( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately.
Product: Credit card or prepaid card

XX/XX/XXXX- Tried enrolling for an online account with barclay using credit card. 
Issue occurred, my information did not match credit card. Odd because it had my name of the credit card. So my next choose was to wait for an paper statement. 

XX/XX/XXXX Received a call from XX/XX/XXXX. Customer Service told me that my bill was past due. I never received a paper statement as to when my bill was due. I address the issue that about never receiving paper statement for bill. Lady then stated " that this is not our fault, XXXX is responsible that. '' " you do not have to pay now but the charges will increase. 
I paid the charge but felt it was not fairly handle by the credit provider.
Product: Checking or savings account

My sister and I co-own a house which we rent. I started the application process for a savings account with Everbank. This was a joint account. My sister and I have different domicile addresses. The application did not allow for me to put in an additional ( her ) address. 

Everbank requested proof of her address. She provided proof of her address via an email attachment of her driver 's license image. They stated she need to provide proof of the address that was used for the application ( my address ). She explained to them that this was a joint account between siblings with different addresses and would that be a problem. 

The next correspondence she received from the application processing center was that the application was being cancelled. That was over a 30 day period. During that period, my sister had created her own Everbank login with access to the account. 

During that 30 day period, I moved all the money from our existing checking account ( XXXX XXXX  ) to Everbank. This was done apparently while the application was still not approved. Then I received an email on XX/XX/2024 that the application was being cancelled due to missing information. This is a catch-22. There is no way my sister could provide proof that she lives at my address because she does not. That was the point of the joint account with different addresses. 

I spoke to a supervisor at Everbank who assured me that it was possible to open a joint account where the account holders have different addresses. Based on my experience, that is not the case. 

I received no communication about what the disposition was for the funds that were in our Everbank savings account. I had to call and ask. That is beyond unacceptable. If they are going to close an account with funds in it, they must specify what will happen to those funds and when that will happen.
Product: Debt collection

National credit systems is using abusive debt collection practices to collect on an alleged debt. I have not received validation of this debt. I did not receive my right to dispute. I have attached my full complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) he 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is being sent to you in response to notices sent to / from me from the Dept of Edu / XXXX and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that their claim has been disputed and validation was requested.

I have asked the Dept of Edu/ XXXX  to please provide me with the following : What the money they say I owe is for : Explain and show me how they calculated what they said I owe : Provide me with copies of any papers that show I agreed to pay what they say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you they are licensed to collect in my state : Provide me with their license numbers and Registered Agent or Agent of Service : At this time, I also informed XXXX  that if their offices have reported invalidated information to any of the 3 major Credit Bureaus { Experian , XXXX or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against them for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character XXXX   provided the following documentation : A statement summary of my account 4 Master Promissory Notes that DO NOT have my signature on them Since reaching out to Navient, action was taken which has been detrimental to all 3 of my credit reports, and I am consulting with my legal counsel for suit. The information provided by Dept of Edu / XXXX  includes information that is inaccurate and invalidated, but the credit bureaus have been verifying these accounts as accurate, when in fact there is no provided proof that it is accurate. 

The company Dept of Edu/ XXXX  has failed to respond to this validation request and the information provided in the Master Promissory Note must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX , Experian and XXXX  } should be sent to me immediately. 

I have also disputed this information with the 3 credit bureaus as inaccurate, and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX.. Balance : {$40.00}
Product: Student loan

In XXXX I wanted to further my education and get a XXXX XXXX XXXX I researched online and there was a program in XXXX. There was actually XXXX programs. I made appointments and went to both schools. When I toured XXXX XXXX XXXX XXXX in XXXX I was sold. I was told there would be job placement, I was told it was highly accredited, and I was told I could not get federal loans because I had used all the federal loans in my first XXXX years of XXXX, which was a blatant lie. I did not figure out until just a few years ago that I could not get federal loans because the school had a highly disreputable accreditation. I worked hard and graduated, and when I was inquiring for help finding an internship, I got sent jobs that were listed on any job site. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  paid retail jobs that could not begin to pay the note for the loans I had taken out, at that point I was pushed to forbearance where the high interest rates kept compounding. My loans immediately went from XXXX tpo XXXX with in just a few years. 
I struggled to pay interest only payments. My husband got XXXX with XXXX. I had a child and I worked several low paying jobs to pay interest only payments. When XXXX happened, I took that time to try to get into another career. They needed teachers so badly that if you had a XXXX year degree, which I thought I had, you could get a permit to teach. I found a listing for an XXXX XXXX I went to XXXX XXXX It was a perfect fit, but when I submitted my transcript to the state, I was immediately denied. The accreditation that my school had was not accepted. My degree meant nothing. It was a useless piece of paper that had drowned me in debt. That debt would have been lower if I was not lied to and I was told the truth about why I couldn't get federal loans. I would have chose school number XXXX that was regionally accredited. I would have made a better decision, but I was lied to. What reason did I have to fact check them? They were in the bursars office at the school. Their job was to counsel me. At that point in order to get a job, I had to take out more federal loans and go to school. In XXXX years, I have gotten a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX  and I am in my XXXX  year of XXXX. I will never get out of this debt. When Navient lost the lawsuit the ones who loans were discharged were those that were in default, not those of us who had suffered and worked out behinds off to make interest only payments of XXXX dollars. It was fraud. It was lies. I can no longer pay on my loans. The cost of living has gone up. Teachers do not make much, my husband cant work XXXX jobs with XXXX XXXX. We can not do anything else. We struggle to pay house payment, electricity, and keep food on the table because of a scam. I need help. I need discharge. I need a settlement. I need bankruptcy options. I need a way out. Every promise that was made by the school was false, then the first thing XXXX at the time did was push me into forbearance not lowering payments or interest. If I was told the truth, and not led into a predatory loan, I would not be in the position I am in.
Product: Debt collection

I was Informed by XXXX XXXX  that I had a collection listed on my credit from an account opened XX/XX/XXXX. This was a shock to me because my credit is fairly new and I pay all bills on time. Upon doing some research i found that this was a medical bill from XX/XX/XXXX with the vague description of XXXX XXXX  XXXX XXXX. Well I had not accumulated this debt so i filed a dispute with the the 3 major credit bureaus. I was informed that this account had been " verified '' as mine as a response through XXXX. This was alarming to me because I had never received any formal documentation of this alleged debt from the original debtor nor the collection agency. In fact, I had no knowledge of this alleged debt until it appeared as a derogatory mark on my growing credit. This is in clear violation of Fair Debt Collection practices as the deceptive nature and maneuvering of this company has denied me the RIGHT to this so called " verified " information and denied my RIGHT to settle or pay in the first place for that matter. They made no attempt to contact me to verify if this debt belongs to me. Its evident that the actions of this company are malicious and I find it predatory that such a thing can happen and I am left hopeless and at the mercy of the very people who have committed this offense. I have made attempts to contact them but to no avail. I have been asked several times to provide " documentation '' to verify my innocence but how? what documentation? I have none because this is not my debt! No one has provided me any verifying documents, including the 3 major  Credit Bureaus! No attempts were ever made to contact me directly, I received no bills, notifications or mail. I feel helpless as a consumer. Please Advise as to what I should/could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has re aged my account by reporting the payment history false and the credit bureaus never verified it its an illegally tactic they have use on experience the was supposed to fall off on XXXX in the status section on XX/XX/XXXX but they updated there info to XXXX and XXXX XXXX and they didnt verify I have proof of an old report from XXXX I spoke to them but they have block my calls which is sad and unjust I have submitted Report # XXXX dated XX/XX/XXXX and clears shows the payment history of XX/XX/XXXX as co and XX/XX/XXXX last payment on the payment history made XX/XX/XXXX compared to the reaging that shows payment from XX/XX/XXXXtotally illegal and status of this account is schedule to continue on record until XX/XX/XXXX Has magically disappeared please help this fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Started doing business with MMI in XX/XX/XXXX as a debt management program. They told me that my creditors agreed to stop reporting late payments to credit bureaus and that was false. Creditors were still reporting as late. I called and requested a refund for the monthly service fee due to the inaccuracies of their promises and they refused.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are un air and request an investigation into my account transactions.
Product: Credit reporting

I have included my initial dispute letter with transunion. In my letter i disputed several items and transunion did not investigate all of the incorrect information on my credit report. I also included my receipt of certified mail and i sent in the dispute letter. By law ( Fair Credit Reporting Act ) if they do not respond within 30 days then they have to delete the incorrect information and credit inquires that are on my credit report. They only investigated XXXX items and per my initial dispute letter I had XXXX items that are incorrect on my credit report and they only sent me a partial credit report. The best thing for TransUnion to do is to delete all XXXX items because again they did not do what they were suppose to do, Thanks
Product: Mortgage

Since the XX/XX/2016, I have been in the process of submitting documentation to Ditech Financial for loan # XXXX for the purposes of a new revised loan via HARP or HAMP guidelines. On XXXX XXXX, 2016, Ditech asked for and received on XXXX XXXX, 2016 ten different documentation Items. One of these were rental agreements that I am a partner in. I have not received any further notice about my loan status until today when I received in essence a refusal letter. I am outraged at this lack of communication and want to bring this to your attention as I have been very patient. The current loan indexes into a 20 year amortization and will increase the mortgage by XXXX. This indexing was never explained to me many years ago. I am now retired and can not afford this. My payment record with Ditech is impeccable but I fear this will not continue upon indexing. Lastly, I mistakenly sent them my lease copies and have spoke to XXXX, at XXXX, ext XXXX, about getting copies returned to me. I even offered to have them picked up, I was refused. I spoke to XXXX at the same # ext XXXX, he assured me he would take care of it, still no copies. I then spoke to their supervisor XXXX on XXXX XXXX. Again, I was assured the copies would be mailed out to me on the XXXX. Still no copies.
Product: Money transfer, virtual currency, or money service

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 these violations.
Product: Credit reporting or other personal consumer reports

These are the list of hard inquiries on my credit report I'm not aware of : XXXX. XXXX XXXX inquiry date XX/XX/2023 XXXX XXXX XXXX inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/2023 XXXX. XXXX XXXX inquiry date XX/XX/2023 XXXX. XXXX XXXX  inquiry date XX/XX/2023 XXXX. XXXX XXXX inquiry date XXXX. XXXX, XX/XX/XXXXXXXX inquiry date XX/XX/2023 XXXX. XXXX XXXXXXXX XXXX inquiry date XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I want to formally express my concerns regarding Zelles 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 infeasible. The CFPBs findings indicate that Zelle has not only allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA XXXX XXXX XXXX has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

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

I submitted a dispute on XXXX about incorrect late payment reporting on my account for XXXX XXXX to Equifax. They did not do an thorough investigation, as they responded within 6 hours just showing my payments online. They are disputing I was 60 days late on XX/XX/2022, On time payment for XXXX 2022, 60 Days late for XXXX  2022, 90 days late for XX/XX/2022, and 120 days late for XX/XX/2022. This is invalid data. On my XXXX report I am showing 1 late payment for XX/XX/2022 at 30 days late. This is the only correct late payment. I have reached out to their support team via email several times to rectify this and they have not responded. The email I am sending it to is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX / Account number XXXX, XXXX XXXX, XXXX. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year>, and noticed the information is incomplete and not accurate. According to 15 USC 168 ( e ) b violation, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts [ XXXX XXXX XXXXXXXX ], [ XXXX XXXXXXXX XXXX XXXXXXXX ], [ XXXX XXXX XXXXXXXX ], [ XXXX XXXXXXXX XXXX XXXXXXXX ], [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

XXXX XXXX XXXXXXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate.