23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loans are being paid through Navient. I have been paying on my student loans since XX/XX/2006. My initial loan balance was about {$5000.00} or a little more. Currently my loan balance is {$3900.00} some of my loans are subidized and some are unsubsidized. I am being charged SO much for interest and this is giving me no relief in paying my loans off. I do n't think that I 'm being billed fairly. Navient has had a lot of issues an I feel that my loan needs to be looked into.
Product: Debt collection

XX/XX/2018 XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to validate - through the physical validation of the original signed consumer contract - any and all accounts you post on a credit report. 

I demand to see Validated Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively validate this account has hurt my ability to obtain credit. Under the FCRA, invalidated accounts must be removed from credit reporting agencies and if you are unable to provide me a copy of verifiable proof such as : 1. The agreement you have in place with the creditor that duly authorizes you to collect on behalf of this debt. 
2. The agreement reflecting my signature that confirms my acceptance of the obligation. 
3. The complete payment history on this account A copy of a billing statement that you provided, is NOT sufficient validation of me owing this debt to you. 

Until your office fully complies with my reasonable 2nd request for validation, I expect that there will be no further efforts on you part to collect on this debt. Additionally, if your office fails to reply to this letter within 30 days of receipt of this debt validation letter, this account must be deleted from my credit profile with all three credit reporting agencies, and no further efforts to collect on it can be made. 





Name of Account Account Number Provide Physical Validation XXXX XXXX XXXX XXXX {$2800.00} Invalidated Account see attached documentation for complaint with consumer financial protection bureau for refusing to validate date. 2nd REQUEST FOR  VALIDATION Thank you, XXXX XXXX
Product: Mortgage

On XXXX XXXX. XXXX our escrow balance suddenly jumped from a balance of positive {$900.00} to a negative balance of $ XXXX on XXXX, XXXX, XXXX. Wells Fargo is unable to provide us with reason of changes for amounts. Escrow from XX/XX/XXXX to XX/XX/XXXX continued to grow into a negative balance of $ XXXX without any sort of explanation or notice of new balance now in negative, when never in all the years of owning home had it ever been more than $ XXXX. In XX/XX/XXXX we received a mortgage statement with a new monthly mortgage amount of {$860.00}, an increase from the normal amount of mortgage paid since XX/XX/XXXX when we bought the home, prior to XX/XX/XXXX monthly mortgage due was {$490.00}. After speaking with Wells Fargo regarding huge increase in mortgage they informed us it was due to a loan opened by a contractor of XXXX XXXX who opened a {$24000.00} loan in our name without our consent or knowledge, and simply stated we are to pay new monthly mortgage amount or risk losing our home due to lien put on by the contractor through the XXXX program, and opened the loan 2 years earlier in XX/XX/XXXX, we had no idea such contract or loan existed until XX/XX/XXXX. After reviewing said documents we noticed someone had forged our signatures and opened other accounts in order to submit contract through several entities such as banks and XXXX County Property Tax. We had no choice but to pay new amount until we can clear such matter, which after 8 months of dealing with XXXX XXXX and XXXX XXXX Attorneys we hired attorneys to represent us XXXX XXXX  suddenly removed the lien without our knowledge prior to removing the lien, they did it to avoid even further legal action but by then we had already overpaid Wells Fargo several thousands In XX/XX/XXXX our mortgage payment was reduced to original amount of {$490.00}. When I called to ask Wells Fargo about discrepencies and over charges they said we were entitled to a {$620.00} refund not the {$2100.00} plus we had already overpaid, they gave me several numbers to call within escrow department of Wells Fargo but they were unable to provide me answers on why there was a shortage in the Refund Amount, and simply told me they don't know where the money went but its been disbursed and con not be refunded the remainder of the mortgage I was forced to overpay to keep my home. How is it that they are able to make me over pay but when confronted with their mistake they are unable to pay me back my money because they paid out already. They never took the time to verify any document before they forced me to pay money I could not afford to pay because a contractor with XXXX XXXX used my name and forged my signature to open a loan. it is tortious interference with contract, fraudulent inducement, negligent, and it is unjust enrichment.
Product: Credit reporting

XXXX XXXX XXXX is an account that was originally opened in XXXX of XXXX, was then sent to a collection agency named XXXX and eventually paid off in full in XX/XX/XXXX. I had printed a credit report in XX/XX/XXXX to get the status of when the items, XXXX XXXX and XXXX XXXX, would be removed from my equifax credit report and it was noted that it will be removed in XXXX of XXXX. I recently inquired to a credit bureau representative about late payments to another account that should be removed and upon confirming the removal of XXXX XXXX and XXXX XXXX from my XXXX credit report in XXXX of XXXX, I was informed that the date was changed to a time in XX/XX/XXXX without any legitimate reason. I am disputing the fact that I should n't have to wait an extra XXXX years to have items removed from my XXXX credit report when its was verbally expressed and stated on my equifax credit report that the items were going to be removed in XXXX of XXXX. I have the original copy of my XXXX credit report if it is needed to confirm my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute with Transunion because they inaccurately reported a balances on 2 of my capital one accounts. The balance on 1 account was - {$220.00} ( credit balance ) and TransUnion and XXXX reported the balance of {$590.00} with a {$800.00} credit limit. On the second account transunion reported as balance of {$950.00} with a limit of {$1000.00}, the correct balance is {$53.00} with a limit of {$1000.00}. Per my statement and confirmation w/ XXXX XXXX that balance was never reported to any credit bureau. I have attached both statements and the credit report to tis complaint. 

I am not sure of who is responsible for this error but I have been contacting XXXX XXXX and dealing with credit balances and payment inaccuracies since XX/XX/2021 with XXXX XXXX. I pay my balances every month. I am tired of being XXXX  by creditors and CB 's with no one correcting or accepting accountability sand im concerned about why the CFPB is continuously allowing it.
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. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I get phone calls everyday demanding repayment, I never opened an account with this company yet they demand I pay them. 

The company is called Portfolio Recovery, I have blocked their numbers but continue to be harassed. I believe they are selling my information to other scam companies in attempt to get me to pay. I want them to stop and cease. 

Company phone numbers are as follows for the month of XXXX so far. 

( XXXX ) XXXX - XX/XX/2021 XXXX ( XXXX ) XXXX - XX/XX/2021 XXXX ( XXXX ) XXXX - XX/XX/2021 XXXX ( XXXX ) XXXX - XX/XX/2021 XXXX ( XXXX ) XXXX - XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The cbna had a hard inquiry on my credit report 2 times and I did not authorize them to run my credit. It 's the CBNA
Product: Credit card or prepaid card

RE : Dog-related case. 
Claim number : CareCredit ending in XXXX Dear CFPB : I am writing on behalf of the patient, XXXX. I am the Owner of XXXX. 

Patient : XXXX XXXX number : CareCredit ending in XXXX Provider : XXXX, XXXX, CareCredit Date of Service : XX/XX/2019 through XX/XX/2019. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2019, I received notice that this claim was denied. 

I am writing you with respect to the following claim. 

The explanation that accompanied the denial is inadequate and I need additional information. Please provide an appropriate explanation. 

In support of this claim, nobody reads the documentation. 

The professional 's lack of carelessness directly caused the death or damage  " XXXX endured/ suffered. XXXX  pet ER ( Synchrony bank required agreements starting with Vets ) also didn't incorporate to whatever provision obligating clinic ( the subcontractor ) to comply with the rules. The professional error made me lose my dog, but also that XXXX would be alive if no mistake had been made. Synchrony Bank failed to practice the selection procedures uniform, to all applicants, which resulted previously in a contrast in the rates of acknowledgement of XXXX and XXXX were approved. XXXX decided doctor 's facility at present needed to comply in light it might have been a regulatory subcontractor. The mischief XXXX suffered on behalf of the professionals resulted in a real economic loss to me. Professionals have neglected to use at least ordinary professional skills to carry out the task. The persons claimed to be specialists, in which case the standard is higher. The physician or other experts owed me a duty of care. You are required to notify Law Enforcement of Crimes against Persons ( Mandatory Reporters ). Dispute is being reported against physicians and various specialists. Accurate or deceptive reports by financial firms and other violations of accounts. Infringing the responsibility to treat the patient or client equally. Take the customer 's money. Misrepresentation or omission of essential XXXX data. Move the account. 

The adversary in this action is three entities affiliated with Synchrony Bank : XXXX, XXXX, CareCredit. No standardize screening practices for dog XXXX. Notes were not substantial. More concerned with personal objectives. Knowledge level of agents : 4 ( ranging from 1=Very Poor to Ten=Very Good ). Number of phone transfers : 5-8. Didnt improve customer satisfaction.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of erroneous entries from my credit dossier. Can you verify the records? Certain listed entries exhibit inaccuracies in reporting, including erroneous amounts and dates.
Product: Credit reporting or other personal consumer reports

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 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16815-2 ( 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

On XX/XX/22, I contacted XXXX XXXX XXXX ( XXXX ) requesting a copy of my consumer report. The reason is because they are sharing false information to Transunion about me in the form of a bankruptcy. They responded stating that they do not have the authority to provide me a report that they are furnishing about myself and I have to contact the data source directly to request changes or a deletion of the information. However, they said they obtained the information directly from the federal bankruptcy courts which I know is false because the courts do not provide such information to any credit agencies or third parties. Not only are they lying, but they are also breaking the law. 

Their misuse of inaccurate information has caused me tons of trouble in the process of buying a home for my family and is ruining my credit reputation. 

I have proof from another data furnisher showing the bankruptcy is not on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit bureaus. They are reporting a bankruptcy on my credit report. Legally they can not list bankruptcy on my record. 

I obtained my credit reports on line. There was a XXXX S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The County Recorder of Deeds and the Bankruptcy Courts have both informed me they do not report this information to anyone. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Product: Checking or savings account

I am a customer of NYCB, using the physical branch of theirs ( XXXX XXXX ) at XXXX XXXX XXXX, XXXX XXXX as regarding this complaint. 
On XX/XX/18, I scheduled an ACH payment of {$870.00} to XXXX for a Credit Card account held there. In so doing, I transferred the necessary funds from my E Money market account to facilitate the transaction. And, the request was therefore confirmed by XXXX. 

On XX/XX/18, an employee of XXXX XXXX, XXXX XXXX XXXX posted a check for {$300.00} that belonged to another customer of their bank to my account in error. 
On perusing my account on the night of XX/XX/18, I saw that there was an unauthorized debit posted to my account in the amount of {$300.00}, and immediately contacted their Customer Service via my online account-telling them of the problem. And, I cc'ed same email to the bank personnel at the XXXX XXXX  branch XXXX The unauthorized debit to my account, negligently facilitated by the bank employee rendered an overdraft on my checking account as the ACH was still paid despite the balance being {$300.00} short due to the bank 's error. 

I received a call from the XXXX XXXX bank employee on XX/XX/18, and she apologized and promised to resolve the matter as soon as possible. She assured me that visiting the branch was unnecessary. 

On XX/XX/18, I decided to check my account, and was quite dismayed to see that there was an Overdraft Fee assessed to my account, which again put the account in overdraft. 

There should be no Overdraft and no Overdraft Fee assessed to me for a fault that was engendered by an incompetent employee who took money from my account in error. 

I visited the branch to see the employee and have her reverse the Overdraft Fee, and rightfully put my account back in the black. 

To date, I have not received any response from NYCB Customer Service. My email to them was not acknowledged, and neither was there a response to my email account regarding their internal snafu. 

People intent on doing business with NYCB and XXXX XXXX   should remember caveat emptor, as their staff is ill-equipped for their fiduciary responsibilities.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Credit Report XXXX XXXX XXXX XXXX Reporting To Whom It May Concern : I am writing to request your assistance in correcting an inaccurate report from XXXX XXXX XXXX XXXX XXXX  on my credit file. The account in question pertains to a debt purchased by XXXX XXXX XXXX from XXXX XXXX XXXX. and currently reflects a negative status, which does not accurately represent my current payment arrangement. 

The details of the account are as follows : Account Number : [ XXXX ] Original Creditor : XXXX XXXX XXXX. 
Balance : {$380.00} Payment Plan : Active ( with XXXX payments remaining as of XX/XX/year> ) Next Payment Due : XX/XX/year> As the attached documents demonstrate, I have entered into an active and agreed-upon payment plan with XXXX XXXX XXXX to resolve this debt. I have been making timely payments according to the schedule, as evidenced by the confirmation of my most recent payment made on XX/XX/year>. 

Despite this, the account is still being reported as a negative collection account, which is unfair and inaccurate. The status of this debt should be updated to reflect the active payment arrangement and my continued adherence to it. Therefore, I am requesting the Consumer Financial Protection Bureaus intervention to have XXXX XXXX XXXX correct this reporting and ensure that the information reflects the positive status of my ongoing payment plan. 

Please ensure that the updated information is reflected with all three major credit bureaus : XXXX, Experian, and XXXX. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that the necessary corrections have been made. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I Had my 1st Cashapp I Had Made An Someone hacked it Stole money an They closed my account an didn't send me what was left in my account .Then I had to Get a New phone an Make Another Cashapp it also got Hacked an Money stole they would not refund me my stolen money from neither account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with Credence in writing via certified letter with return receipts in XXXX and XX/XX/2018. In my initial request to them, I explicitly stated that I was disputing the validity of the alleged debt. Credence did not provide any documentation to substantiate the alleged debt. Credence provided on their letterhead from the latter dispute in XXXX ( see attached ), I did not receive a response from my XXXX dispute, an arbitrary number that does not provide any details nor specifics as to the date this alleged debt became payable, original delinquency date, verification that this debt was assigned and sold to collector, a complete accounting of the alleged debt and the name and address of the bonding agent for the collection agency in case legal action becomes necessary. I received nothing. In XX/XX/2018, I again attempted to communicate with Credence for them to validate the debt and yet again, they did not. 

It is apparent that Credence is blatantly violating my consumer rights by reporting this unverifiable, inaccurate, erroneous entry on my reports. To that end, this entry must be deleted immediately.
Product: Credit reporting or other personal consumer reports

In despite of my previous written request the items I've found out today in my credit report still appeared but I had already disputted them. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report I want to delete them all in my credit 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 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 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 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