23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 


In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business or operate in the state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. 

Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Checking or savings account

I opened a SoFI account under the guise that I would receive a {$300.00} reward if I established Direct Deposit worth {$5000.00}. Therefore, I switched my Direct Deposit from XXXX and XXXX XXXX  to SoFI. I still have not received the promised {$300.00} deposit, and when I asked why - the customer representative responded that it needed to be completed within 25 Days. Unfortunately, this was not advertised when opening the account. Therefore, SoFI committed false and misleading acts under deceptive practices. Additionally, its no way I could establish my XXXX XXXX Direct Deposit from the Department of Veteran Affairs because the payment is paid every 30 days, and it takes additional time for the VA to implement direct deposit change request.
Product: Credit reporting or other personal consumer reports

I filed a complaint against with debt collector with the CFPB. The complaint ID number is XXXX. It has been over 30 days and the debt collector has not responded in violation of the Fair Debt Collections Practices Act. Please see this complaint for evidence of these violations.
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 lag posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transaction settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

This is through pay pal. Everytime I try to click on it under dispute invoice it says error. Pay pal can't see it on there end. XXXX has no information to contact to dispute. 

I never authorized this nor do I know who this person is or what this invoice is for. This is fraud. 
Please advise on next step.
Product: Debt collection

I sent a letter to the collection agency on XXXX the XXXX, 2020 asking for a Validation of the debt. Its been over 30 days and I have not received and Validation from them. I want this  removed from my credit report I have no knowledge of such debt.
Product: Credit reporting or other personal consumer reports

Removal of XXXX XX/XX/XXXX due to XXXX violation..
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to provide a clear explanation regarding a recent late payment reflected on my credit report. My intention is to clarify the sequence of events that led to this issue, which does not accurately represent my usual payment habits. 

Several days before my payment due date, I attempted to make the required payment through the standard online portal. During this process, I encountered unexpected technical difficulties. Specifically, the system repeatedly displayed error messages and would not accept my payment, even though I verified that my banking information was correct and that sufficient funds were available. 

Concerned about resolving the matter promptly, I made multiple attempts on subsequent days to complete the payment via both the website and a mobile application. Unfortunately, these efforts failed for the same technical reasons, and I was unable to process the transaction in a timely manner. I also reached out to customer service for guidance, but the delays continued due to the ongoing technical glitch. 

By the time the issue was finally resolved, the payment posted past the due date, causing a negative mark on my credit record. I want to stress that this late payment does not reflect my typical financial responsibility. I consistently pay my balances on or before the due date and have maintained a positive history of meeting my obligations. This isolated event resulted solely from technical issues beyond my control, despite my diligent efforts to remedy the situation as quickly as possible. 

Thank you for reviewing this explanation. I appreciate your understanding of the circumstances and your assistance in correcting or removing the late payment entry, which I believe inaccurately represents my normal creditworthiness. If any additional information or documentation is required, I am prepared to provide it. I value my relationship with your organization and hope we can reach a fair resolution. 

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

On XX/XX/20 I sent in a dispute to experian explaining that the date of last activity is incorrect along with so many other inconsistencies and they left this issue the same and updated it on XX/XX/20 with absolutely no changes and clearly the credit bureaus did not conduct their own investigation required by case law. If this creditor did update this information saying accurate then what that means from the evidence that I sent in is that they are not following e-oscar or Metro 2 Compliance because all information should report the same all across the board with this alone this account need to be DELETED FROM MY REPORT. Attached you will find the proof that letter was sent saying that their was discrepancies, proof that nothing was done about it and proof showing ALL the discrepancies highlighted in RED all across all 2 bureaus. 

Thank you
Product: Mortgage

I have a mortgage held by Weststar. I have attempted to make my monthly payment in their online system, but receive the error : 403 - Forbidden : Access is denied. 
You do not have permission to view this directory or page using the credentials that you supplied. 

I have called Weststar. They do not answer their phones and have ended the call before I'm able to speak to anyone. I have submitted a request to their customer service form, but have not received a response. I have tried to leave a voicemail, but the mailbox is full.
Product: Credit card or prepaid card

My funds are on hold with us bank ReliaCard after verifying my Identification over 5 times. I verified my identity with unemployment and now I have to continue to wait until they get around to verifying me. I submitted my identification again today and again they told me to wait 3-5 business days. Im going to be homeless if this continues. This is my last resort please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a dispute about the XXXX XXXX  account showing up on my credit it report and i told them this is unfair and unjust that they are make a report on my credit and I wanted it removed Immediately. They still have not removed it from my credit and are still report it as a charge off. i am trying to better my life and raise my credit score so i can buy a new home and this is hurting me can you please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/identity theft. All s being investigated by the FTC. According to FCRA 605B, This information must be blocked immediately until the investigation over.
Product: Debt collection

I was XXXX  during the time these accounts were opened, I ask the credit bureau to remove from my credit upon giving them my release state papers to show when I was locked up they still have it reported on my credit. I also ask the credit card companies to remove it to no avail
Product: Credit card or prepaid card

A Target credit card account was opened in my name using my address and ss #. the phone # and driver 's license number were not mine. there was a charge for {$82.00} made on the account. I reported the fraudulent account to the Target credit dept. and they closed the account..
Product: Credit reporting or other personal consumer reports

I initiated a credit dispute with XXXX XXXX Affirm creditor regarding an account on my credit report. Both accounts have a XXXX balance however, it is showing missed payments that are inaccurate. I reached out to the creditors to have the late payments rectified but unfortunately, my request was denied. The creditor has not taken the necessary steps to remove the late payments and provided a vague explanation to why the late payments can't be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be repaired or removed. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get discarded immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021, I signed an agreement with XXXX XXXX XXXX to remove a tree that was leaning towards the front of my home. This tree was assessed by an employee of XXXX XXXX XXXX, who provided the estimate on XX/XX/2021, for an agreed upon fee of {$4500.00}. I put {$900.00} down as a deposit on XX/XX/2021 on my Capital One Credit Card with the balance of {$3600.00} due upon satisfactory completion of work. On XX/XX/2021, several employees of XXXX XXXX XXXX came to my home to undertake the agreed upon scope of work, excluding the original employee who provided the estimate. XXXX XXXX XXXX cut down the wrong tree and damaged exterior lighting. I made the same known to XXXX XXXX XXXX via e-mail shortly thereafter. On XX/XX/2021, XXXX XXXX XXXX billed my credit card without my consent for {$3600.00}. On XX/XX/2021, I called Capital One and filed a dispute and received a credit of {$3600.00} on my account pending a final resolution on the matter. 

On XX/XX/2021 at XXXX XXXX, I received an e-mail from XXXX XXXX XXXX stating, We would like to resolve everything. We would like to come and cut down the tree that is marked in the contract. Please call the office. I believe that one would assume that XXXX XXXX XXXX has admitted fault with this e-mail. Clearly, if XXXX XXXX XXXX is offering to come to my home and cut down the tree that is marked in the contract, then surely, they didnt cut the right tree down in the first place. 

On XX/XX/2021, I replied to XXXX XXXX XXXX via e-mail, accepting their offer of removing the correct tree and to settle the matter. Shortly thereafter, I telephoned XXXX XXXX XXXX and they changed their mind. On XX/XX/2021, Capital One sends me a letter informing me that they have reversed the {$3600.00} credit, originally provided by on XX/XX/2021 and require the following documentation from me to continue my dispute : 1. A copy of the sales invoice/purchase agreement and information and/or evidence to support how the merchandise ordered differs from what was received. 
2. A copy of the service proposal/invoice between XXXX XXXX XXXX and myself dated XX/XX/2021. 
3. An estimate from a tree expert recommending removal of the correct tree 4. A statement that quantifies the merchants attempts at resolving the problem. 

All of the information requested was provided to Capital One on XX/XX/2021. On XX/XX/2021, I receive a letter from Capital One stating that they have received my response and " it lacks all of the previously requested information needed to validate your dispute and we consider your case closed. '' I called Capital One Dispute Center a few days later and the representative there even disagreed with Capital One 's decision. Clearly, Capital One arbitrarily ruled in favor of the merchant despite the overwhelming evidence presented.
Product: Checking or savings account

I deposited a cashiers check on XX/XX/XXXX, with out explanation or justification Bank of America placed all the funds on hold until XX/XX/XXXX. The bank eventually released the hold but only after repeated escalations
Product: Credit card

In XX/XX/XXXX, I received a statement for an overdue/delinquent account for a Home Design/Synchrony Bank revolving credit account . This account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. The statement I received stated I had an original balance of {$2200.00}. The statement in XXXX showed an interest charge of {$30.00}. My daughter was in town and called Synchrony on Friday, XX/XX/XXXX. She talked to two different agents who stated the account would be cancelled since it was identified as fraudulent and would be closed. 

This summer, in XXXX my daughter ( who is my Power of Attorney for financial matters ) was pulling my credit reports to see what was active. The account from Synchrony was still showing as delinquent. Since we assumed it had been cancelled, we disputed the account since it did not belong to me. The dispute came back that this was a legitimate account.

I have never applied for a card through Synchrony, whatever was purchased was against my knowledge and not for my use. This is fraudulent activity which should have been resolved back in XXXX is still ongoing.
Product: Student loan

From XXXX through XXXX I borrowed a total of {$49000.00} through Sallie Mae using a Parent Plus Loan to put my son through college. Early on, Navient became the service provider of this loan. Though I have had a few late payments, I have never defaulted. I had to take advantage of deferment a couple times and have consistently had to reduce my payments though income based programs because I couldn't afford the large payments. For many years I have been on the " Income Sensitive '' program, which apparently does NOT qualify for forgiveness after 20 or 25 years and I had no idea this was not the case until I called them. The only thing that made me feel okay about having this outstanding loan was that it would be eventually forgiven. And after 20 years I would have paid all the money back, if not more, that I borrowed, so it's not like they wouldn't get their money. I was thinking I had about 10 more years to go, which isn't great, but something I could live with. I feel Navient was negligent in not informing me that there were other income based programs that would have put me in the qualification for forgiveness after many years of payment. And nowhere on their website was this spelled out. 
Just look at these numbers : I borrowed a total of {$49000.00}. 
I have paid XXXX As of this writing I owe {$52000.00} I have no words. This is absolutely horrific.
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 reinvestigation of disputed information on my credit report. For account, XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX 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 dispute 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was trying to obtain a loan and my credit got checked. That's when I found out that this company XXXX XXXX XXXX is charging me with {$950.00} and it has been transferred to United Revenue Corp a collection agency. I have tried calling them no response. This is hurting my credit score and I really don't know what else to do. I have found other people with my same name. I always use my full name with my initial. This company has the same name but with no initial. I want this problem to be solved.
Product: Payday loan, title loan, or personal loan

I dont remember the exact date but it was XXXX I received a letter saying I was denied a personal loan that I never applied for I called and was told they didnt see anything in the system I feel like someone there ( wells Fargo ) attempted to get a loan and wasnt able to all my correct information was in the letter It looked like any other paperwork. When I called all the guy said was ignore it that it wasnt real and he didnt see it in the system which I feel it was deleted because I was denied and they knew the average person would call and ask about it.
Product: Credit reporting or other personal consumer reports

Fortiva- not my account my identity has been stolen XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my account my identity has been stolen XXXX XXXX XXXX XXXX XXXXXXXX not my account my identity has been stolen
Product: Student loan

I XXXX XXXX received a letter by the Federal Trade Commission stating that Ameritech Financial is a fraud and has been taking money away from me and none of the payments have gone to my student loaner. I am frustrated because I been a costumer for a very long time now. I gave them my personal information and am scared they will use it.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX MoneyLion withdrew {$9.00} for membership fee. 
On XX/XX/XXXX MoneyLion w/drew {$44.00} for loan repayment amount. 
On XX/XX/XXXX XXXX w/drew {$310.00} for instacash repayment. 

This was AFTER I had advised in advance I lost my job the month before & cud not cover these charges. 

My bank XXXX charged {$34.00} for each of the 3 overdrafts. MoneyLion promised to deposit funds within 3-5 days on XX/XX/XXXX. Several emails later theyve asked me twice to verify my bank account & identity. Theyre wasting my time.
Product: Debt collection

I had 3 private students loans from XXXX that were originally through XXXX XXXX. I was sued in XXXX. Myself and my father were threatened with tax liens on my parents home and back account freezing which forced me to begin to pay the XXXX XXXX XXXX XXXX department to avoid harsh penalties. My husband lost his job leaving me unable to continue to pay the loans off. The collections agency continued to try and get payments but refused anything I offered saying it wouldn't be enough on the principle balance. I do not feel these loans should have legally been able to be collected in the first place due to the statue of limitations being reached but I was scared because of what I was being told. I eventually was able to settle and get a payment plan but only after I had to get a lawyer to communicate with Fortser and XXXX. The payments that were settled on were still very high, and I was able to squeeze payments out for about 2 years but when Covid hit my husband lost his job again. I do believe the initial loans were predatory to begin with as the XXXX XXXX accounts office only handed private student loan information out for one bank. I was the first person in my family to go to college so our education on the financing piece was not great at that time. We were not given any support on understanding at that time. We were told that it was our only option if I wanted to go to school there. I am hoping that something can be done, since I do not feel the bank or collection agencies had a right to collect the payments to begin with.