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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX/DEPT OF ED Dispute Resolution Department Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of my student loan balance on my credit report. My account shows this account still on it as if it is accurate. I request that XXXX/DEPT OF ED provide concrete proof that the reported balance is accurate. Simple account statements are not sufficient evidence. I require valid documentation that substantiates this claim, such as original loan agreements, detailed payment histories, and any other irrefutable evidence showing the accurate balance of my student loan. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that XXXX/DEPT OF ED conduct a thorough investigation into this matter and provide me with the results, including any documentation you used to verify the accuracy of the reported balance. If you can not substantiate the reported balance with valid proof within 30 days, I request that you promptly delete this account and update my credit reports to reflect the accurate balance of my student loan. Furthermore, I would like to bring to your attention the potential financial implications if this matter proceeds to arbitration. Below is an itemized list of potential costs that XXXX/DEPT OF ED may incur : 1. **Filing Fees : {$200.00} - {$1500.00}, depending on the arbitration provider and claim amount. 2. **Arbitrator Fees {$1500.00} - {$3000.00} per day, with average cases taking 3-5 days. 3. **Attorney Fees : {$300.00} - {$500.00} per hour, with average cases requiring 20-40 hours. 4. **Administrative Costs** : {$500.00} - {$1000.00}, including case management and document processing fees. Estimated Costs Breakdown : - **Filing Fees : {$1000.00} ( average ) - **Arbitrator Fees : {$6000.00} ( 4 days @ $ XXXX ) - **Attorney Fees : {$12000.00} ( 30 hours @ $ XXXX ) - **Administrative Costs** : {$750.00} Total Estimated Costs : {$19000.00} Please be advised that pursuing arbitration may result in XXXX/DEPT OF ED incurring these substantial costs. Therefore, I strongly urge you to review this dispute carefully and resolve this matter promptly to avoid unnecessary expenses. Thank you for your immediate attention to this matter. I expect a written response and resolution within the statutory period as defined by the FCRA. If you have any questions or require further information, please do not hesitate to contact me. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts I have disputed on Experian ; they are still showing under dispute and we well beyond 30 days it's been in " under dispute '' status for months. I can't add any information or check the status because they have left the dispute with no resolution. these accounts are in direct violation of According to 15USC 1681EB you are supposed to assume maximum possible accuracy. This account is not accurate according to the fair credit reporting act. Delete account immediately for violating 15USC 1681EB The below accounts need to be removed due to Experian not taking care of my dispute for this long. 

XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXXXXXX  Balance {$570.00} Status Collection account. {$570.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2800.00} Status Collection account. {$2800.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. 

XXXX XXXXXXXX XXXX Under dispute Date opened XX/XX/XXXX Balance Status NO STATUS
Product: Credit reporting or other personal consumer reports

My mother applied for a credit card on my behalf that I was in aware of during the opening of my account XX/XX/ leaving a hard inquiry. Recently my mother was looking into a potential co loan with Navy Federal, and the they ran my credit as well XXXX. Both inquires were unauthorized and Ive reached out to both Navy Federal and XXXX to inform them of the inaccuracies.
Product: Debt collection

This debt was owed 5 years ago in which I paid my current rent moved from the property. The property has since went out of business and this company is still reporting my debt to the credit bureau I need this removed from all credit files
Product: Credit reporting

In XX/XX/XXXX we filed for bankruptcy. At that time XXXX was our mortgage company. In XXXX of that same year XXXX XX/XX/XXXX XXXX XXXX mortgage company also filed for bankruptcy. XXXX was listed as XXXX of our debtors, however we did not file against them. We planned to remain in our home. XXXX XXXX took over our account in XX/XX/XXXX. So in XX/XX/XXXX when we filed bankruptcy XXXX XXXX was no where on the paper work. We only had XXXX mortgage company, XXXX. I am not sure how XXXX XXXX was added to the bankruptcy since they were not our mortgage company at that time. 

We have continued to pay our mortgage. Never has a payment been missed and there has never been any late payment fees accessed on our account. Because we always paid and had not been in contact with XXXX XXXX it was not until recently that we discovered that XXXX XXXX was on the bankruptcy. Now we understand that because we did not reaffirm our mortgage payments are not being reported to any of the credit bureaus. We need to have this information of a bankruptcy against XXXX XXXX removed. It is not correct and is noted as a negative on our credit report. Once this is resolved we will do whatever needs to be done to reaffirm with XXXX XXXX and continue to make our payment on time.
Product: Debt collection

RMP LLC is reporting negative debt on my credit report every month in the amount {$980.00} on XX/XX/2018. I am very unaware of this debt because, I have never done business with this company
Product: Credit reporting or other personal consumer reports

I have been trying to get a copy of my credit report for this past month and have not been able to get it. please send me a copy of my credit file.
Product: Checking or savings account

I opened this claim XXXX, for XXXX atm transactions XXXX twice. In both cases the atm didn't provide the funds, I was traveling into XXXX and looks like here the ATM from XXXX XXXX XXXX doesn't work to get money from Wells Fargo. The claims was closed because was not properly handled or filled by the representative. I was very clear informing to the bank that the atm didn't provide the funds in both cases. Please reopen the case and proceed how was instructed, CASH NOT GIVEN I called a few days ago to request to reopen the case and listen the voice call when it was reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

These inquiries were NOT made by me. See attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX ( labeled as XXXX  in the credit report ) account that was closed on XX/XX/XXXX. My Equifax credit report showed that it was closed on that date. However, the payments on that account were registered for XXXX ( after the account had been closed ) instead of XXXX. Because there were late payments, this made me unable to be approved for a mortgage because the lender stated that those payments were still within a year of my application. To be clear, the late payments ( and all payments for that matter ) occurred in XXXX before the account was closed, and not in XXXX. This error only occurred in the Equifax report. 
I reached out to the lender and tried to resolve the error and they informed me that they had sent information to Equifax to fix the problem. When I saw no changes, I raised a dispute on Equifax three times and each time they would contact me and let me know the dispute had been completed, but each time, the error remained on the report. I kept trying to inform the Equifax representatives of what was going on and how frustrating this was given I was in the middle of a mortgage application, but they kept reciting the same generic information and advising me to raise another dispute.
Product: Debt collection

My name is XXXX XXXXphone number is XXXX.I told my workers compensation lawyer about this bill I recieved..he told me he will handle it..why I keep getting this doctor bill..for {$28000.00} dollars..the doctor is XXXX XXXX  XXXX XXXX. Account # XXXX..my lawyer XXXX XXXX XXXX XXXX XXXX pa ... I told him about this..
Product: Checking or savings account

My US Bank debit card was locked the evening of XX/XX/20 due to suspicious activity. This was legitimate activity and I figured would be quick to resolve. I was emailed a number to contact the fraud department to unlock the card. I tried multiple times to contact the fraud department at XXXX but am put on hold and after 30 minutes an automated message states that no fraud specialists are available at this time and ends the call. I called my local US Bank branch and they said they are unable to assist me and I have to go through the fraud department. They said I can't come into the branch to resolve the issue. I have no access to my debit card or any funds as the branches are closed for the weekend. I can't even believe that this is legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

An address for which I have never lived is fraudulent and needs to be removed as well as inaccurate late payment details. Doc attached
Product: Mortgage

Hi, My name is XXXX XXXX and husband XXXX XXXX. We have a mortgage through Cross Country Mortgage for our single family home, that was completely devastated and lost due to XXXX XXXX XX/XX/2022. Our home had 8 feet of water and was recently completed remodeled, we lost ever single item inside the home and the home itself, in which we are intended to rebuild better to hurricane code and higher elevation. We were in a federally declared disaster and they went through forbearance. They said this would NOT hurt our credit, it not only hurt our credit, but went delinquent not only once but now twice. My husband and I have been displaced from our home for over 7 months now, we are in permitting to rebuild our home and had previously over 800 credit scores and now they are XXXX and under 600. 

Our credit score was hit twice in XXXX and NOW again today as they assured this would not happen again, and would submit a credit reversal and stating that it was a mistake on their end ( mortgage company ), but it happened now again. We are crying and completely devastated. Not only did they hurt our credit twice, they won't put a supervisor on the phone to talk to us. We just want to continue our monthly payments again and have this whole process justified. This was intended to help us through this disaster, but it has hurt us tremendously, we have been living in a hotel for 7 months now and they also are keeping our insurance money until we make progress on the house, in which now our credit is completely messed up for. Please help us we want to take legal action, this is not right at all what they have done to us.
Product: Mortgage

I am looking for a loan for a new construction for my first time home buyer, I chose Huntington Bank ( XXXX XXXX ) as one of the preferred lender of XXXX XXXX ( XXXX XXXX ) information sent to me via email on XX/XX/20. The process started on XX/XX/20 with a lot found. At this time the pre approval number was XXXX was originated by lender ( XXXX XXXX at Huntington Bank ) amount {$200000.00}. Loan number XXXX. Unfortunately my house did not fit on this land and asked to lender increase the value of land from XXXX to XXXX. The answered was affirmative XX/XX/20. I received the new pre approval on XX/XX/20 and sent to bank the lot purchased XX/XX/20. We started over and found the right one XX/XX/20 put in contract and move forward with loan process with an expiration date XX/XX/20, after builder approval. Meantime in between these lots personal documents and communication were sent to the several people including in this process like XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX and XXXX XXXX as a lead team and loan officer with a new loan number XXXX. All of them asking for the same information over and over again information that I submitted before. When first closing date, XXXX XXXX exposed that he was not ready to do the closing and I need to extended the purchased for lot, I did second extension on the land purchased final deadline it would be XX/XX/20 which mean next week. He had to created another number for my loan which is XXXX It took over 90 days to tell me that I did not qualify for the loan based on something that should have been discloses on day 03 of the application process. The bank lack of interested in my case and lack of empathy for my case was appalling. Huntington discriminated XXXX and minorities.
Product: Credit card or prepaid card

I have been working with Barclay Bank Delaware, XXXX XXXX and XXXX on a credit card account that was initially all issued by XXXX XXXX. XXXX XXXX sold off the credit card account to Barclay Bank Delaware. XXXX is in the mix only because XXXX XXXX transferred student loan to XXXX and the rewards program for the credit card directly credit the student loans. <P/>XXXX XXXX sold off the credit card account to Barclay Bank some years ago and the rewards program stayed mostly the same. Rewards were able to be credited to a specific student loan not to the whole overall account with several loans. Also rewards could were earned at roughly the same rates. In XXXXX 2017  Barclay and XXXX XXXX shut down the rewards program and forced me into a rewards program that has less than half the capability of rewards and removes the ability to credit rewards to a specific loan. I demanded to see the original contract I signed with XXXX XXXX and Barclay can not produce it. HOW DO YOU RUN A CREDIT CARD ACCOUNT WITHOUT HAVING THE ORIGINAL CONTRACT? <P/>What it comes down to is that Barclay will not honor the original contract with XXXX XXXX, Barclay will not honor their assurances that a customer can credit rewards to a specific student loan, and Barclay will not honor their assurances that a customer can apply rewards to the principle of a loan. This is a thoroughly disreputable organization and I will take my complaints every direction I can.
Product: Credit card or prepaid card

This complaint concerns a product I purchased last year and my unsuccessful attempts to get my money back. Im dissatisfied with the product, as well as the actions/treatment from several companies related to the product. The parties involved are Discover Card, XXXX  and XXXX. On XX/XX/21 I ordered a pair of brand new XXXX 's XXXX Regular-fit Non-stretch Straight Leg Zip fly Jeans Rinse Wash ( Size XXXX ) from an online retailer ( XXXX ) for a total of {$29.00}. Upon receiving them, I discovered that they were too small for me. Normally, a size XXXX or XXXX pair of XXXX jeans fit me well, but not in this case. Instead of going through the hassle of returning the jeans and getting store credit for them instead of a refund ( which is often the case with the particular online retailer mentioned above ), I tried selling them on XXXX. Upon receipt of the said jeans, the XXXX buyer accused me of selling fake/counterfeit XXXX  jeans and then returned the pair back to me. I then contacted Discover Card to dispute the charge of the jeans, as I didn't want the jeans nor did I want a pair that could be counterfeit. Per Discover XXXX suggestion to try and work things out with the retailer, I contacted XXXX. They refused to take the jeans back, citing their XXXX return policy. Discover Card sided with XXXX and closed the dispute. Moreover, Discover Card said that they couldnt credit my account as the charge was more than 120 days old. This is not acceptable to me. 

I do not want the jeans. They do not fit me and Im not satisfied with the product. Furthermore, I question the authenticity of the product. The tags are still attached to the item and have not been worn. Im willing to send the jeans back to XXXX  or XXXX. Nevertheless, I want either Discover Card, XXXX or XXXX to refund me my money ( no store credit ) in full. Thank you.
Product: Credit reporting or other personal consumer reports

These accounts was charged off on ( XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history.a charge off account should include an active payment history. Inaccurate information falsely manipulate the statute of limitations. Credit bureau failed to investigate these accounts properly and there neglect has violated more than one rights listed below. 
15 us code 1601,15usc1681e ( b ), FCRA section 605 ( c ) ,15usc1681i,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I submitted a a Complaint with the CFPB Report Number XXXX RE : TransUnion that they received as well, In reference to my previous dispute that was delivered on XXXX, XXXX. TransUnion responded back to my Complaint on XX/XX/XXXX, stating that they are STILL INVESTIGATING MY DISPUTE ALONG WITH THE DOCUMENTS I SUBMITTED AND WILL NEED 60 DAYS. THIS IS ABSURD. TransUnion RECEIVED my dispute back in XXXX and this is CLEARLY NOT IN COMPLIANCE WITH THE FCRA as the DEBT COLLECTOR ( S ) HAS 30 DAYS ONE TIME TO VALIDATE/ VERIFY THE DEBT. OR IT MUST BE DELETED. XXXX has provided two amounts as the BALANCE OWED is HIGHER THAN THE ORIGINAL BALANCE which is INACCURATE REPORTING. Diversified Adjustment Service, A REAGE ACCOUNT AND, IS ILLEGAL ACCORDING TO CFPB, and was VERIFIED WHEN DISPUTED. In Addition To, the THE DEBT COLLECTOR ( S ) is the one presuing to collect on the debt and SHOULD HAVE ALREADY ACCURATE/ COMPLETE INFORMATION FOR THE DEBT FROM THE ORIGINAL CREDITOR. THIS IS JUST ANOTHER TATIC THAT TRANSUNION USES TO CONTINUE TO REPORT INACCURATE ACCOUNTS TO MY CREDIT REPORT. ALL PARTIES INVOLVE HAS A PART IN THIS PROCESS AND I'VE DONE JUST THAT. DEBT COLLECTORS MUST FOLLOW THE FDCPA according to the CFPB. I have attached the documents AGAIN.regarding the INACCURACIES OF BOTH OF THESE ACCOUNTS AND, THE DISPUTE PROCESS BY MAIL THAT STATES ON TRANSUNION WEBSITE. I will be seeking legal counsel regarding this.
Product: Debt collection

Atlast loans is calling my previous employer, I no longer work there and they are continuously calling them for me. They have already been advised no to call my employer and they are calling previous employers now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : FLAGSHIP CREDIT ACCE Made on : XX/XX/2017 Made with : { insert name of credit reporting agency } To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Debt collection

I owe a debt on my Care Credit Card which is a credit card used to pay for healthcare. I do not have the money to pay the debt and I have verbally stated this to them via phone call. The debt collection agency is through Synchrony Bank. 

I have received 3-7 letters over the past two weeks and 7 calls a day for the past two week regarding this same issue despite having detailed my issue.

This is harassment. I have already stated I can not pay, i have acknowledged that I was notified of the debt and yet they continue to call me 7 or more times a day from XXXX XX/XX/XXXX- XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not investigate an account on my credit profile for XXXX XXXX XXXX XXXX this is nt my account and I have never had an account with them.
Product: Credit card

On Thursday, XXXX XXXX, XXXX, I received an e-mail notification from XXXX XXXX, that XXXX of my accounts was Closed. I did NOT close the account. It was for My Synchrony Bank Car Care Account. According to XXXX, I have had the account for 18 years, 3 months. NO LATE / MISSED payments in 3 year history. Under Credit Limit. When I contacted Synchrony, an Account Manager, XXXX, told me that they closed the account, because of information received from XXXX, and that it had NOTHING to do with my payment history. XXXX REFUSED to reopen the account, even though it was in GOOD STANDING, and that I MUST make payments on the account, even though I can not use it. 

Furthermore, I have been the VICTIM of Bank Fraud. The Employee paycard I was issued, by INSTANT was drained, except for XXXX cents, on XXXX XXXX, WITHOUT receiving ANY MONEY. The appropriate Dispute Forms were filed on XXXX XXXX, XXXX. I am making pay ment arrangements to get EVERYTHING CURRENT.