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

After attempting to dispute with XXXX about a XXXX XXXX card that is closed they keep sending it back verified even though they know for a fact it's inaccurate and can not have all that on it when it's closed and showing your balance and payment history and everything else. Under the fcra regulations they have to take this off my credit report because it's harming it. They refuse to do so and I believe they're not doing their job properly. I would like them to send me a description of procedures they followed to do this verification. And I know if they can not do this within 15 days it is a violation under law under 15 USC 1681i ( A ) ( 7 ) of the FCRA. I know the reason they keep saying it was verified is because it's easier to just say it's verified by looking at the previous dispute.
Product: Checking or savings account

I file a dispute with cash app on XX/XX/2023 when I was sleep at a friend house when I had some information stolen in my phone pouch that some money was taking from my cash app account I file a police report and cash app still disregarding my dispute still have not resolve my issue I have another transaction for {$85.00} that was taking from my account when I got home I had emails saying the transaction could not be processed and cash still have not provided me with any documents
Product: Debt collection

I requested company to send me XXXX. **A detailed history of payments** made by me on this account, including dates and amounts of each payment. 
XXXX. **A copy of the contract or agreement** that bears my signature, which legally obligates me to pay this debt to the original creditor. 
XXXX. Information on whether any **insurance claims have been filed** in relation to this debt, and if so, the details of such claims. 
XXXX. **Proof of your authority** to collect on this debt, including documentation that establishes the chain of title from the original creditor to your agency. 
This request is not an acknowledgment or acceptance of the debt but a requirement under federal law to ensure the accuracy and legitimacy of the debt claimed. Please respond to this request within 30 days as mandated by the FDCPA. SEND ME VALIDATION I OWE TGE DEBT TOO YOU DONT SEND ANYTHING FROM XXXX YOU ALREADY SENT A XXXX XXXX  BILL MEANING I OWE THEM NOT YOU SEND SOMETHING STATING I OWE YOU THIS DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Halliday Watkins & Mann, P.C. was informed that this debt was related to identity theft and were provided with documentation showing the debt was fraudulent. 
XXXX XXXX has continued to contact me, and this has become a violation of my consumer rights. XXXX XXXX has been contacting me for several months, I'm seeking legal counsel for Harassment and abuse under section 806. ( 15 U.S.C. 1692d )
Product: Mortgage

This is regarding my mortgage servicer DiTech Financial LLC which was formerly Greentree. A month ago I got an escrow notice from DiTech that said I owed them {$2100.00} additionally for escrow. The prior year I had given them an additional XXXX to cover escrow shortages - which made sense as my insurance and taxes went up. This year my homeowners insurance did not go up and my taxes also stayed close to last years amount, therefore if they were able to pay my bills last year with the monies taken out of escrow why then do I need to pay them an additional {$2100.00}. As a result, I called and took on the personal liability of my homeowners policy - a {$1200.00} amount no longer needed to be pulled from escrow. I got a revised statement saying that I now owed them {$1900.00} for additional escrow monies. My problem is that this does not make sense, my escrow amounts did not go up significantly and I took {$1200.00} out of escrow payments. The mortgage servicer knows what my homeowners and taxes are - they are close to the same every year - so how can have made such a big mistake in collecting the required escrow monies with the resultant shortfall of {$1900.00}. Now not only do I have to pay {$1200.00} to my insurance but I am pretty much still paying close to their original amount. This makes no fiscal sense. I tried to get them to see this and ask how this is possible but get no satisfactory answer. From a servicing standpoint it is their job to know the amount that would be required for escrow. As a consumer to be all of a sudden asked for an additional {$1900.00} out of my budget is shocking and unfair as I have been paying all along. There should have been little to no change.
Product: Checking or savings account

i have recently applied to open a bank account especially with ( XXXX XXXX  ) and XXXX XXXX  stated I'm being reported to early warning services & XXXX XXXX. 

which is inaccurately and honestly hurting me to open a checking account. 


whatever innsttuitionn is stating I owe any debt has been paid and need to clear my file for EWS & XXXX
Product: Debt collection

Bank of America is reporting an erroneous account on my credit reports. They are reporting the balance of {$940.00}. I sent a Validation of Debt letter to Bank of America on XX/XX/2019 and received no response. I have even challenged through the credit bureaus with no success. I demand this be removed from my credit reports. Account # ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged disputes with Bank of America with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/ 2018 2018
Product: Debt collection

Ability Recovery Service has damaged my credit terribly with duplicated collections that they refuse to verify with my signature, list of services, dates, and amounts. I've called and emailed them about removing these fraudulent collections and they tell me that I have to pay or have bad credit forever. The staff is very rude and kept insisting that I owe this debt. I even told them how the same exact amounts were duplicated multiple times and that there's practically no way that can happen with several visits to the hospital as they are claiming I did. I've fought with them for over 2 years and this has impacted my family and business tremendously. I've been denied resources because of this on my credit. Please investigate them and remove these items from my credit reports.
Product: Credit card

Timely payments have consistently been upheld on this account, preventing any occurrence of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries on my credit report are unauthorized XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 These inquiries are unauthorized nor have written consent with my signature
Product: Debt collection

Dear CFPB, I am writing to dispute a derogatory mark on my credit report that appears to be a case of mistaken identity or error. The account in question, listed under HP Sears with an original creditor as XXXX XXXX, is not mine. I have never had any dealings with XXXX XXXX. 

This derogatory mark first appeared on my credit report in XX/XX/XXXX for an amount of {$2300.00}. I contacted the debt collector for more information but have not received a response. Additionally, I reported potential fraud to another financial institution in XX/XX/XXXX, and I believe this could be a related issue. 

Please investigate this matter and remove the incorrect information from my credit report. I can provide any necessary documentation to support my claim. 

Thank you for your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence dated  XXXX   XXXX ,    2017  I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX XXXX XXXX. 

As a matter of fact, XXXX XXXX XXXXXXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 

Because of the numerous claims of fraud and misconduct perpetrated by XXXX XXXX XXXXXXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 

My Federal loans in the amount of {$84000.00} were discharged and my credit repaired. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 

These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 

I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. 
After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? 

Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 

Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved.This application is a sham. Why do we need to prove anything? Navient knows who we are. 

Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. 

Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 

Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient does the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

Link to Senator XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Repeated calls multiple times within the hour. My voicemail clearly says they have reached my place of business, but they keep calling. Answered a short while ago and they would not identify themselves by company, only XXXX calling from XXXX regarding a personal matter. 

I told them this was a place of business and that they could not call there. They said it was a good number and continued to ask for me by name. 

Tuesday XX/XX/XXXX Calls : XXXX XXXX. - main business line XXXX XXXX. - main business line XXXX XXXX. - main business line XXXX XXXX. - main business line XXXX XXXX. - main business line
Product: Debt collection

I XXXX XXXX on XXXX XXXX Mail a letter to Validate to Convergent. According to USC15 1692G Individual Action 1. Convergent did not comply 5 days after speaking to me 2. Convergent was given a request to validate debt and did not provide validation 3.Convergent has not stopped ceasing to collect on the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times how both Equifax and XXXX claim to have verified the accounts listed below which are not my accounts not did I open them. All I ever get is the same templated latter stating verified but I asked to whom they spoke with and when etc., but I never get that requested information. I also asked for a notarized letter from them stating they information they provide is true but have yet to receive that either. 

In accordance with the Fair Credit Act XXXX the information provided has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Accounts in question : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My payment of {$250.00} is due on the XXXX of each month. The option to make an arrangement to pay in the future ( past the due date ), has been available, and I have taken advantage of that option a number of times since starting the loan. On XX/XX/year>, I made a payment arrangement to pay {$250.00} on XX/XX/year>. I received an email confirming the payment arrangement, along with the normal threats to take action legally, if the payment arrangement is not fulfilled. On XX/XX/year>, I received an email from the collections department for Transform Credit stating my account was past due and the failure to settle the outstanding balance would result in my loan being passed to their litigation team, who may prepare your case for court to recover the full balance from both you and your co-signer. I also received a letter in the mail, stating the same. When I reached out to the company, forwarded the original confirmation email for the payment arrangement and my own commentary that this is not the first time they have contacted me for a late payment when a payment arrangement had been made, I received a response email that stated : " Hello, please be advised that we do not have your short term arrangement on file. Please ensure the funds are available on the due date. If not, we will immediately collect from XXXX ( co-signer ) and if that is unsuccessful you both will be at risk of the full balance being due and litigation. '' I responded, yet again, with the ORIGINAL emails that were sent BY TRANSFORM confirming my payment arrangement. I also called the company to get things straightened out and to complain, but could only leave a voice message and have not received any call back from a human representative.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Recording Act Child Support Enforcement Acct # XXXX XXXX and DESCHILDSUP Acct # 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 also states a consumer reporting agency can not furnish an account without my written instructions. This account Shows on my credit report as a Charge off and Per the IRS Publication 4681 States, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return '' I have attempted to get this off of my credit report can you help me
Product: Credit reporting or other personal consumer reports

Please remove the following hard inquiries I never recognized this!! I file FTC Report to support my complaint here 's the list 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 XXXXXXXX XXXX
Product: Mortgage

My last complaint involved monies owed to me by Bank of America. They responded that the reason I did not get the money was, " The notary made a mistake on the paperwork. '' However, they never notified me about the mistake and the notary was Bank of America 's assigned notary. It was not our mistake, it was theirs because they used their own notary who they sent to my home. What is strange is the fact that we got a letter confirming all was good and since then we have been paying our mortgage with no referral to the mistake Now they are sending me boxes of paperwork. It is about time that  BOA  pay for their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to remove a Chapter  XXXX  bankruptcy record from    2009  that I did not file. It has a reference number of "  XXXX  ''.     I have never filed for bankruptcy in my life. Money has never been a problem for me and my report clearly shows that I have never had any difficulties making payments on my debts.     I have disputed this error with Experian numerous times but they have continuously ignored my disputes as frivolous without properly addressing my claim.     They say the bankruptcy record has been verified but my report clearly shows that there have never accounts on my report that have been " included in bankruptcy ''.     How can I have a bankruptcy on my report if there are n't any accounts that show they were included in bankruptcy?     I manage my finances responsibly so it is unfair that this blemish and error in reporting by Experian continue to occur when no factual evidence can be provided as validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter to XXXX on XX/XX/2023 disputing XXXX accounts reporting late payments and also disputed online. They have investigated and results came back verified and updated. However, the late payments were not removed. 

In accordance with the Fair Credit Reporting Act, both : XXXX account ending XXXX XXXX  XXXX account ending XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Credit reporting

I was declined credit based upon an Equifax credit report. After unsuccessfully attempting to pull the file under FCRA from Equifax 's online portal, my wife contacted Equifax 's Executive Services office to inform them of the issue and was informed that Equifax did not have to provide online access to the file, and that if my file met certain unknown " perimeters '' of Equifax 's security system, I could only get it via USPS. My wife informed Equifax of the security concerns of mailing the report due to poor service in our area with USPS and was told it did not matter, online access was a " courtesy '' not a requirement. I had to go to Equifax 's website and pay {$15.00} for a report and score because Equifax refused to reach out to their security department to address the issue. When my wife called Equifax this morning to request a refund, as I am entitled to a free report under FCRA, she reached an overseas call center that refused to even speak to her about the refund even though the card that paid for the report was hers and she was not asking for them to disclose information on my file. She informed them that we would be contacting CFPB to inform them that Equifax was refusing the refund ( they claimed the charge " does n't qualify for a refund '' ) and XXXX, the supervisor in Personal Solutions for Equifax responded by telling my wife " go ahead, tell them. ''
Product: Debt collection

XX/XX/2023 - {$350.00} they added the following to my credit report. 

Under a different name other than mine. 

Without notice and final validation notice to let me know they have a right to add this to my credit Report. 

The proper steps were not taken in order for me to dispute this information.
Product: Money transfer, virtual currency, or money service

I made a charge of {$5.00} on Pay Pal Credit at XXXX XXXX. I have my XXXX Credit card on file with Pay Pal credit. Instead of forwarding the balance to my credit card as before, Pay Pal charged me {$7.00} for late fee And insisted that I pay {$12.00} which I refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 



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

I want these items removed i sent a attached a police report XX/XX/XXXX for identity theft this inquires still remain its stopping me from obtaining employment the head of the household please remove inaccurate info Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Personal Services ( Non-Medical ) XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel