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

Equifax/XXXX Credit Reporting Agencies Credit Report DatedXX/XX/XXXXUpon receipt of credit report datedXX/XX/XXXX, I noticed I have a " Derogatory public record or collection record '' contributing to my FICO score and I would like the detail of the this record. I have no knowledge of this problem and I would like to go back to originator of the comment and determine if an error has been made. In the event that remark is accurate, I would like to resolve amicably. <P/>I have called Equifax and XXXX on a multitude of occasions and have yet to speak to a human being or get any detail related to derogatory mark. <P/>I have attempted to use Equifax Online Dispute page ... .only to find the website complaint page unresponsive ... ie. after entering my data, I select submit and nothing happens. <P/>I am quite frustrated. Thank you for your assistance.
Product: Debt collection

DOCTORS BUSINESS BUREAU is reporting a debt on my credit report that they are not avail to verify. I contacted them on XXXX and they were not avail to find any information on me. I requested for them to remove the wrong information from my credit report and they hang up on me.
Product: Credit reporting, credit repair services, 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 1681. 
Account name : XXXX XXXX  ( date of inquiry : XX/XX/2021 ), Account name : XXXX  XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX 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: Student loan

I started working for a public service organization in XXXX, 2011. I called Sallie Mae to make sure my loans would qualify for the Public Service Loan Forgiveness program. They told me that my loans would qualify, and that there was nothing else I needed to do besides stay current on my monthly payments for 120 months. 

It turns out that was misleading information, which came to my attention more than 3 years later. I moved my loans at that point to Fed Loans, so now they do qualify. 

I am still extremely upset about what Sallie Mae did in this instance. I am requesting a remedy from them, or to get credit for the 36 ( plus ) payments that should have counted towards the 120 needed for loan forgiveness. 

Please help, or direct me to any appropriate place to resolve this matter. 

Thank you! 

XXXX XXXX
Product: Bank account or service

My bank is Rush Card, as many of you know, Rush Card has experienced many issued these past two weeks, its been extreemly difficult to manage money in my account, i attempted to pay all of my bills not knowing that they may be returned, i just bought a new car and had to pay my car note and then find out i can not accesss my account! what a great way to start off with payments, i have direct deposit set up with a new bank and hopefully my job can expedite this so that everything gets taken care of before next pay day, i feel so bad for the XXXX people who like me cant get into their accounts, just sounds fushy, and i have never been with a bank who has held your money and not give you a valid reason where its gone ... My mom also has rush card and is missing hundreds of dollars and no one can tell her why or what has happened to the money, never EVER will i bank with Rush Card again! and unlike any bank they charge {$1.00} per EVERY SINGLE Transaction!!!!! no bank does that! do you know how much money we could be saving if each transaction was free ... .. like it 's supposed to be!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! RUSH CARD
Product: Debt collection

I purchased an XXXX XXXX at a private XXXX store in XXXX, Illinois in 2021, I do not remember the month. When I got home with the XXXX XXXX I realized that someone else XXXXXXXX XXXX was logged in the phone. I returned back to the same store before leaving XXXX and the store ensure me to problem was fixed. I got back home in XXXX North Carolina and went to two different stores trying to get the problem fixed and I was told because I purchased the watch from a private location it was nothing that could be done. At this point I was stuck with an XXXX XXXX that was sold to me with someone else XXXX XXXX and I would never be able to use the watch. XXXX still kept charging me for the watch even though in the system they could clearly see that I had never used the watch. It was a waste of my money and time, and I would never use XXXX XXXX again because no store could help me fix this problem even though it was a mistake on their part. This is really bad customer service. I also feel that I should be reimbursed for all the times I was charged for this watch because I was never able to use it because again, the store sold it to me with someone XXXX XXXX already logged into the watch and this was my first time ever using XXXX, so I was not aware of the mistake I had made when I purchased to watch. If you have any other questions are concerns, please feel free to reach me at XXXX. Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage is currently serviced by XXXX XXXX XXXX. The loan was previously modified by XXXX XXXX XXXX. Since the loan servicing was transferred from XXXX to XXXX, they have refused to report the debt to the three credit bureaus ( XXXX, Experian and XXXX XXXX ). The lack of proper credit reporting has caused my credit score to drop significantly. Per the FCRA 15 USC 1681 -2a ( 1 ), there is a requirement to report all information based on total accuracy. The information reported has been inaccurate in the past and conflicts with prior disclosure issued. Per the FCRA it is also illegal to park or re-age old debt on the credit report. The Federal Trade Commission also requires that the proper and transparent information be disclosed during the collection period of a debt. Ownership of an alleged debt must be properly disclosed per FDCPA rule 803 ( 6 ) ( b ). Per the FDCPA and FCRA rules cited within, I am requesting that all debt ownership information, accounting and payment history be disclosed since the loan modification was completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.
Product: Debt collection

Universal Credit Services ( UCS ) has reported to XXXX that I am owing {$380.00} in medical bills. 
The bill is in someone else 's name and the person in over XXXX. Secondly, I made a lump sum payment of {$640.00} to Universal Credit Services that possible covered that amount too, Either way, I do not owe that money and it should not be in my credit report. 

I contacted UCS several times and once spoke to a lady name XXXX and emailed her multiple times to take care of this and to date nothing has been done except she keeps telling me they are investigating. 

I believe UCS has 30 days to confirm or remove it from my report. It's been over 30 days since my initial complaint. 

I want it removed from my credit report. 

Thank you. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

No XX/XX/2022, I filed a complaint with CFPB complaint number XXXX Transunion and complaint number XXXX XXXX However It's been more than 30 days and more than 5 business days since TransUnion and XXXX has completed their investigation and they have failed to send me a free of charge credit report by U.S. Mail showing the results of their investigation. According to the law 15 U.S. Code 1681i ( A ) In General Before the expiration of the 5-Business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ) the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. the notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Product: Mortgage

I am XXXX y.o. and SS is my only income. I have struggled for 7 years to make my home payment. I received a notice that ditech had increased my payment, due to an escrow arrearage?? to nearly {$100.00} more a month ... .no way can I afford that since my mortgage payment is already $ 48 % of my income. I only owed about {$35000.00} since paying since XXXX. 

I contacted ditech for a loan modification and they approved it inXX/XX/XXXX with a reduced payment to {$550.00} with a new interest rate of 3.875 %. ( originally a VA loan at 4.5 % ). I signed and returned all their paperwork inXX/XX/XXXX ( ditech website showed {$520.00} due and I paid this in XXXX ). I paid my mortgage at their approved amount in XXXX of {$550.00} and already scheduled my XXXX payment ( electronically ) through my bank. 

I received an email from them today that basically read, 'we changed our mind, you house payment remains the same '.???? 

Is this legal after they already approved the modification? 

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

I am writing to express my concerns about inaccuracies in my credit report that I have previously disputed without success. The specific accounts with errors are detailed below : XXXX XXXX The account status is incorrectly listed as " Open, '' though it has been charged off/placed for collection. No last payment is indicated, and the account is only reported to TransUnion, but not XXXX and XXXX. The last verified date is shown as XX/XX/XXXX, which I find questionable given the inaccuracies. 

XXXX XXXX This account status is erroneously showing as " Open, '' although it has been charged off/placed for collection. Despite the credit remarks stating " account information disputed by consumer, meets FCRA requirements, '' the account inaccurately reports as " Open. '' The account opened dates also differ between XXXX ( XX/XX/XXXX ) and TransUnion ( XX/XX/XXXX ). 

XXXX XXXX XXXX The account open dates and closed dates vary across the three bureaus. TransUnion lists the open date as XX/XX/XXXX and closed date as XX/XX/XXXX, while XXXX and XXXX list the open date as XX/XX/XXXX and do not report a closed date. 

XXXX XXXX The opened date does not match across the three bureaus. TransUnion reports XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. The dates of last activity are also inconsistent across the bureaus : TransUnion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, and XXXX shows XX/XX/XXXX. 

These inaccuracies negatively impact my credit score and financial reputation. I request your assistance in investigating these matters and ensuring that these discrepancies are corrected, or the accounts are removed from my credit report as appropriate. 

I appreciate your attention to this matter and look forward to your prompt response.
Product: Payday loan, title loan, or personal loan

They took me title loan off auto-payment without my consent or acknowledgment. I didnt realize until the last payment of the two installments of {$370.00} for the month of XX/XX/XXXX. ( XX/XX/XXXX ) ( XXXX ) .I called to get it current or at least to get satisfied with having them clear the late fees because its was a problem on their end and not me. I was on autopay. I owe them {$370.00} for XX/XX/XXXX plus {$18.00} as a late fee AND it shows on my credit report. I only have a money for current payments not missed payments all my money is accounted for. Im paying about XXXX for a XXXX XXXX XXXX, I was in need of a car and Ganas auto center mess me up.
Product: Payday loan, title loan, or personal loan

My husband bought XXXX XXXX from XXXX XXXX and he applied to pay in 12 with no interest with XXXX thru XXXX XXXX. We have made 3 payments and have been charged 2 late fees. I pay my bills thru my bill pay system thru my bank. I put the date that the payment is due and it tells me when I need to send in order to get to the place by due date. On the first payment I made they said they received one day past due date, then on this last statement I sent the bill on the XX/XX/XXXX and the due date is the XX/XX/XXXX which was on a Sunday, so I put date in the system so they would receive by the XX/XX/XXXX. Well they said they did not get until the XX/XX/XXXX because the XX/XX/XXXX was a holiday. I think this is just a way for them to charge extra fees to your account and then at the end of 12 months they can charge the interest. This is ridiculous and I called XXXX XXXX and they said they have had this complaint many times on this company. I feel that ya 'll need to investigate this company for these extra charges they are charging people.
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost discontentment with the continued existence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the company related with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be instantly abstracted. Both XXXX and XXXX have already removed these accounts from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of these accounts when the other bureaus have already removed it. Please delete these accounts from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 


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

However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, and for the ones I recognize, I dont believe I owe as much as it says I do, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.
Product: Bank account or service

My name is XXXX XXXX and I filed a debit card claim on XXXX/XXXX/2016. On XXXX XXXX I noticed that my driver 's license, credit cards, debit card, social security and pin was stolen from dorm. I also discovered that a substantial amount of money was stolen out of my bank. I immediately notified the authorities. It has been determined that my room and other student 's rooms have been broken into. My money was taken from XXXX while I was in XXXX in class. My professors have testified that I was in class when some of the charges were being done and my swipe card and survellienance cameras also prove that I was not in XXXX at the time and in fact on campus. Bank of America has refused to acknowledge my findings, police reports and statements. My bills are being shut off as we speak and this is my only source of income. I just want my funds back.
Product: Credit card or prepaid card

This card is from XXXXSynchrony Bank for CareCredit. I have had this card for many years and have never experienced this level of frustration! The only reason that I have this card is for the XXXX XXXX  promotional credit. I have never missed my deadlines and have always had the opportunity to make additional payments to the principle that always pays the oldest balance first and the one that is going to expire soonest. I have had my card on autopay for many years and when I am able to see which promotion is going to be coming due I make an additional payment to the principle. Since XXXX of this year I have been struggling with my online account and with customer service. It has been a complete nightmare! The login prevents me from seeing my statements, my payment history and enough activity to complete my own due diligence! I have told them this many times and they offer to send a paper copy. They sent it once and it was not the complete package of months needed and it still doesn't answer why I am denied access and why I have to call 60 days in advance to allocate payments to the principle. I need to be able to make the payments online as I always have. They have told me that my additional payments to the principle will be applied at their discretion and not at mine despite me needing them to be applied to the oldest balance first that is coming due. They are deliberately applying all of my payments monthly and additional principal in the wrong order. The little I have been able to see they have applied over {$300.00} to a balance that is coming due in XXXX and on one that is coming due in XXXX not one penny! This is NOT what I have asked for and they continue to make mistakes and control my money at my expense! I should have never missed my last promotional balance and instead they applied my payments incorrectly and caused me to miss a very expense deadline and charged me egregious XXXX XXXX interest retroactively. I feel that this is intentional or flat our negligence despite my many calls telling them this is WRONG! Please Help!
Product: Debt collection

Portfolio Recovery Associates , LLC have violated my Rights pursuant 12 CFR 1006.34 ( c ) and 15 USC 1692. I exercised specified remedy on XX/XX/2022 when I sent notice of debt validation via Certified Mail Receipt to the address on file for XXXX, XXXX 's disputes department. I did not receive a signed receipt back. However, I did notice that they did in fact received my letter and request for validation using USPS 's online tracking software. Shortly after, I received a letter stating that the debt is validated along with statements. XXXX, XXXX failed to provide all of the required documentation pursuant 12 CFR 1006.34 ( c ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/2025 NCB Management Services , Inc. [ Their Address ] [ City, State, ZIP Code ] RE : Cease and Desist Letter To Whom It May Concern : This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ) that I demand NCB Management Services , Inc. cease all communication with me regarding any alleged debt you claim I owe. This demand includes, but is not limited to, all forms of communication such as phone calls, emails, letters, and any other means of contact. 

Furthermore, please be advised that reporting information regarding this alleged debt to any credit reporting agency constitutes a form of communication as defined under the FDCPA. Continued reporting or updating of this alleged debt to credit reporting agencies after receipt of this notice will be considered a violation of my rights under the FDCPA and potentially other applicable laws. 

If you believe you are legally entitled to communicate with me for specific reasons despite this notice, you must provide documentation to substantiate your claim, including proof of the alleged debt and your authority to collect it. Absent such documentation, any further communication or activity regarding this matter will be considered harassment and will be reported to the appropriate authorities, including the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state 's Attorney General. 

Be advised that I am aware of my rights under the FDCPA and other applicable laws. Any violation of these rights will be met with appropriate legal action. 

You are hereby instructed to comply with this request immediately. Failure to do so may result in legal consequences. 

Sincerely, XXXX XXXX
Product: Debt collection

I had a XXXX credit card in XXXX and due to lost of income I was unable to make payment. I have attempted to contact XXXX Bank and to request to XXXX monthly payments on a monthly basis. However, I was told that I have to call them monthly to make the payments. I contacted them several times and made payment over the phone, but it was very difficult to contact them, because the calls went to their customer services in XXXX and I felt discourage to give my credit card to third parties. I requested for my call to be transfer to United States, but finally after many arguments the calls were transferred, but it seemed that the bank just want to hold onto my debt. Every time I made a payment I was told that my balance was {$800.00}. The last time I spoke to the customer representative i requested to pay {$500.00} to close the account and I was told that they could not do that at this time. After that came out the Pandemic and I attempted to contact them unsuccessfully, because no one responded the telephone from the bank After my unsuccessful attempts, I received a letter from Resurgent Capital Services ( LVNV Funding LLC, ( XXXX stating that I owe {$1.00}, XXXX. On XX/XX/XXXX ; Reference ID : XXXX I dispute the validation of my debt and the verification letter. The above agency stated they do not have the validation and they keep harassing me on the phone and XXXX keep sending me tons of emails. Now they reported t the credit bureaus. I feel is unfair that I have to pay this account after so long. This amount is incorrect. I sent letter to all three credit bureaus, but are all against me. On XX/XX/XXXX I received a letter from XXXX stating that my account was sold to Resurgent Acquisitions LLC on XX/XX/XXXX. Why did not accept to pay this account previously. I think this is a way to abuse consumers. 

I would appreciate tremendously your help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding the way XXXX handles its disputes, in light of recent CFPB lawsuit highlighting certain issues with the platform. Despite using XXXX continuously reporting discrepancies my bank & XXXX have failed to analyze my claim adequately. They informed me that recovering lost funds were near impossible and tracking these transactions are unfeasable. The CFPBs findings indicate that XXXX has neglected to protect its customers and has allowed repeat offenders to exploit the system, leaving users susceptible to scams.