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

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, a billing statement, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account attached in the document Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( Experian, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character
Product: Credit reporting, credit repair services, or other personal consumer reports

I have educated myself on this credit reporting. Our info is collected against our wishes then sold and sold to us as credit reports. Yet no matter when lenders report our info the credit bureaus take there time to report. And when they do report it takes Fico and XXXX Score some time to send our scores back to the credit bureaus. But yet an inquire instantly take points away from our credit. But it takes months for our effort in paying accounts down to be reported. My credit has went down a few times with no explanation from the credit who told me I need an outside source. A lawyer that handles this and I know they was referring to XXXX XXXX whom they own. Just like they own XXXX. These provide organizations need to be stopped from controlling our lives. Rather you work for them are not they control you too. My banking account has been compromised several times since 2018 and its because XXXX leak our info that we will never get reformation for in the end. Credit Bureaus are scammers and I need representation thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section XXXX and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information
Product: Mortgage

Beginning of XX/XX/XXXX we were on a 6 months forbearance program due to pandemic, later in XXXX we continued another 6 months of the program. However in XXXX we filed for modification. We got approved in XX/XX/XXXX with the modification. We were not notified with the modification approval or received any paperwork. 
On XX/XX/XXXX the XXXX company called us and advised us that we are required to do a payments for the months of XXXX in the amount of {$4800.00}. We made a payment via phone to this company for the exact of {$4800.00}. This payment was taken from our bank and we have the bank statement to show the proof of payment. However till today XX/XX/XXXX the payment has NOT being posted to our account. We tried to solve this issue with this company for over a month and half, with several phone calls and yet this issue has not being solved. 
We resumed our normal payments. But {$4800.00} has not been posted, we are getting charged with interest on this and also getting multiple delinquent calls harassing us.
Product: Money transfer, virtual currency, or money service

I received an email at XXXX p.m. ET on Monday, XX/XX/XXXX from Venmo informing me that my account was temporarily restricted. The body of the email did not provide any details, only that I may receive another email with details and that I should contact customer support if I have questions or want to reactivate the account. 
I have a balance of {$480.00} in my account. I tried transferring it to my bank account and I received an error message saying that I am unable to do that while my account has temporary restrictions applied against it. 
I then reached out to Venmo via their live chat app. The live chat representative told me that the issue would be investigated by another team and that it can be anywhere from 7 to 15 days for a reply.

I have two complaints : 1 ) My Venmo account was suspended without warning and explanation. Within the app, the notification screen is empty there are no hints as to what happened. I am now unable to access my balance of {$480.00}. 
2 ) The Venmo team is unable to provide any guidance on when my funds will be available. The chat said anywhere from 7 to 15 days. Again, I have no idea why my account was suspended and theres no appeal. 
Ive attached a PDF of the email and chat transcript for reference.
Product: Credit reporting or other personal consumer reports

There is no Signed Legal contract between myself and the original company nor the debt collector who is attempting to collect a debt that is not owed to either company. I have requested said documents and it has not been provided So therfore this should be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

XX/XX/2019 I paid for a credit check total and seen a collection from XXXX that I never had.
Product: Consumer Loan

I am writing to dispute U.S Auto Finance Account Number : XXXX on credit report number from XXXX, and XXXX, XXXX. The validity of the debt has not been proving/ and unverified. This vehicle was sold in an auction the balance listed on my credit report is incorrect. Please delete the account as they are in violation of my consumer rights under FDCPA..
Product: Vehicle loan or lease

I had my information stolen it was leaked and used by someone other than myself.
Product: Student loan

In XX/XX/XXXX, I started to pay off my private student loan with Wells Fargo, which was a disbursement of {$16000.00}. As of XX/XX/XXXX, I've already paid roughly around {$17000.00}. 

I called the bank regarding the remaining outstanding balance I see on my account, and it's standing at $ XXXX. 

I asked why the amount was so high and they informed me it was due to the interest. Apparently, all my payments were being applied to the interest, not the principal balance. 

To my understanding, the interest should accrue either monthly or annually. However, they informed me that the interest rate, which they informed me was 10 %, has been accruing daily and will keep accruing interest until the loan is completely paid off. 

I want to report fraud that interest should not be accruing daily, or I'll never pay off this loan. I tried requesting a copy of the contract and I've yet to receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the Months of XX/XX/XXXX- XX/XX/XXXX I have tried multiple times to get Dep of EdXXXX to remove student loans from my account. The student loans are now CURRENT and OPEN
Product: Credit card or prepaid card

On XX/XX/2023 my claim for fraud was finally resolved in my favor with a permanent credit to me in the amount of {$6100.00}. Today is XX/XX/2023 and I STILL HAVENT RECEIVED MY MONEY!!!! I have been waiting a very long time and this is absurd. Please help me. Thank you
Product: Checking or savings account

On XX/XX/XXXX I checked my account and discovered 3 transactions that were not authorized by me to an account I know nothing about. I immediately called Marcus By Goldman Sachs to report the theft. I reached out to the Goldman Sachs bank after the business hour, but the 24-hour, 7days week customer service line did not file my claim immediately. 
I had calling back to Goldman Sachs bank the next day, XX/XX/XXXX morning. The investigation started. On the same day, the old accounts ending in XXXX and XXXX were frozen for any further transactions. New accounts were opened. On the same day, the password of the online banking was updated by me. 
XX/XX/XXXX, I called Goldman Sachs bank to follow up on my investigation status. This morning, two account specialists told me, my investigation was denied. This is the final result, and no further investigation will be done, they told me. The same day, I called Goldman Sachs Bank requesting a supervisor. The dispute team supervisor, XXXX, confirmed that the previous two account specialists provided me an incorrect information. My dispute is still in the investigation status. Not completed it yet. 
XX/XX/XXXX, the email address as a username of the online banking was updated by me as well. I requested Goldman Sachs bank 's dispute department to keep locking my online banking for security. 

The account to which the money was transferred is listed as " Internet transfer to XXXX XXXX XXXX XXXXccount XXXX ''. 
This is not my husband 's name or under my name bank account. XXXXXXXX XXXX confirmed. 

The claim number at Marcus is XXXX XX/XX/XXXX, dispute department supervisor XXXX confirmed my signed form for the dispute agreement was received. XXXX confirmed that my dispute is still under review. 
On XX/XX/XXXX, Goldman Sachs bank called and notified me that the investigation would take longer than 10 business days and it takes up to 45 days instead. On XX/XX/XXXX provisional credit of {$8300.00} was provided to XXXX of the new accounts. I have received a letter of provisional credit notification the following day. I requested Goldman Sachs bank 's customer service to unlock the online banking for me to make an external transfer to my other bank account and empty the account. However, they politely stopped me from making any external transfer at this moment on XX/XX/XXXX and XXXX, both days. The customer service told me, I needed to wait for the investigation completion notification letter to do anything with the fund. My occupation is a banker. My understanding is that I should be able to access my banking transaction with the provisional credit while the claim is under investigation. But the customer service did not help me. 
As of today, XX/XX/XXXX, I am still waiting for the investigation result with the permanent credit.
Product: Debt collection

In early XXXX I called XXXX because I wanted to close my account and unlock my and my husband 's phones so they could be used with our new carrier. 

I spoke to several agents online, and they informed me that there was a {$480.00} balance that had to be paid first before they unlocked our phones. I paid the balance right then, as I was talking to them in an online chat, and they confirmed my account was now {$0.00} and that it would take 24 hours to unlock our phones and they would be unlocked and ready to use with a new SIM card the next day. 

I SPECIFICALLY verified with them that both my and my husband 's phones would be unlocked and ready to go, and someone claiming to be a supervisor confirmed. 

The next day, neither phone was unlocked, so I engaged with them again. This time they SPECIFICALLY confirmed that my account balance was {$0.00} and that my account was canceled. This was in chat, so they should have a transcript. They apologized profusely, and since I needed my phone for work, they this time successfully unlocked it. 

The problem was that they did not unlock my husband 's phone, even though I specifically asked whether the account was closed for both phones and so I had to engage with them again. But during that conversation, they once again confirmed that I paid everything that needed to be paid. 

In none of those conversations was anything mentioned about an extra balance, or even the possibility of us owing any more money. They SPECIFICALLY confirmed in conversation 2 of 3 that my balance was {$0.00}. Then they began sending emails demanding {$360.00}. I called to find out what was going on and why they were claiming I had a balance even though they confirmed there was no balance, the account was closed, and that no more money was owed without informing me of any kind of possibility of extra charges. The person I spoke with said they would raise the issue with their supervisor. I thought that was the last I would hear from them. But they continued sending emails and then they got a collection agency involved, which is now impacting my stellar credit score. 

I contacted Convergent, which is apparently the collection company XXXX is using . They asked for my side of the story, then within days said, " Nope, you lose. Pay XXXX. '' I have had zero insight into what kind of information they used to determine that I owe XXXX anything further, and there has been zero transparency into the process.
Product: Debt collection

I am being victimized and harassed by debt collector, FH Cann & Associates. The company is harassing me by calling my neighbors regarding my past due student loan account. Two of my neighbors have reported to me that they have received calls from this company and told them that I need to call them to resolve a " personal matter. '' Of course, my neighbors surmised that this was a debt collector. The most recent call was on XX/XX/XXXX. 

The company representative who made the XX/XX/XXXX call is XXXX XXXX. The number she left is XXXX. I explained to Ms. XXXX that I am contacting the student loan lender to negotiate the issue. Previous calls were made in XXXX. 

Please find the contact information for FH Khann below : F.H. Cann & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the inconsistencies on my credit report that have not been resolved despite submitting dispute letters.

I have identified several items on my credit report that are inaccurate and have submitted dispute letters to the three credit bureaus in order to have them corrected or removed. While some of the items were successfully deleted from certain credit bureaus, they have not been removed from all three. 

The item ( s ) in question are shown in images below. Ive also attached a copy of the deletions form two of the credit bureaus.

According to the FCRA " Section 611 of the FCRA ( 15 U.S. Code 1681i ) addresses the procedures for disputing inaccuracies on your credit report. It states that if you believe that any information on your credit report is inaccurate, you have the right to notify the consumer reporting agency ( CRA ) in writing of the disputed information. The CRA must then investigate the dispute and, if necessary, correct or delete any inaccurate information within 30 days of receiving your dispute I am requesting that the CFRB investigate this matter further and ensure that all inaccuracies on my credit report are corrected.

I appreciate your prompt attention to this matter and look forward to a resolution. 



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

On XX/XX/2023 someone tried to open a credit card account fraudulently with XXXX XXXX. A hard inquiry was made through Equifax. Since that time I have tried to get the hard inquiry removed from my Equifax Report. I have sent them every piece of information they have requested. 
Each time I have been told on the phone that the inquiry has been removed and I will be receiving written confirmation. I receive a confirmation that the " disputed inquiry has been deleted '' only to check later myself and find that the hard inquiry still exists. 

Today, XX/XX/2023, I again called to check with an Equifax rep and was told that I needed to submit various pieces of documentation to verify my identity and to verify that the fraud has been reported to police, FTC, etc. Everything was submitted back at the beginning of the process. The rep again assured me that the inquiry would be removed but that they needed to contact the lender, etc. I have already sent a copy of a letter from the lender telling me that they had notified Equifax to change the hard inquiry dated XX/XX/2023 to a non-display inquiry.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding the ongoing inaccurate reporting of information on my credit file by XXXX XXXX XXXX and XXXX XXXX XXXX. Despite my multiple disputes and submission of all necessary supporting documentation to the credit bureaus, they continue to report incorrect information in violation of federal law. XXXX XXXX XXXX is improperly reporting late payments, violating 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), which prohibits the inclusion of transactions and experiences between a consumer and a servicer in a credit report. Furthermore, XXXX XXXX has now classified the account as a charge-off, which violates 15 U.S.C. 1681c ( a ) ( 4 ), prohibiting the reporting of adverse information beyond the legally permitted period, and this needs to be removed from my account immediately. XXXX XXXX XXXX is inaccurately reporting a paid and closed account, violating 15 U.S.C. 1681c ( a ), 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681i ( a ), which govern the reporting of outdated accounts, accuracy requirements, and obligations to investigate disputes. Additionally, I have no knowledge of the XXXX account, making its presence a violation of 15 U.S.C. 1681b regarding permissible use of consumer information. XXXX has also reported a student loan as late, despite it being in forbearance under the Biden Administrations federal student loan relief program, violating 15 U.S.C. 1681e ( b ). I have also provided proof of my exposure to a data breach, yet the credit bureaus have failed to address these issues appropriately. The credit bureaus ' failure to correct these errors continues to cause harm to my creditworthiness, and I request immediate corrective action to ensure compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit file. Found information I did'nt recognize. I contacted the company which was reporting the negative remark on my credit with a copy of my credit file, my government issued I.d . and social so I could be easily identified. I received a letter from the company ( XXXX XXXX XXXX ) stating they were not able to locate my information in there system and it was in fact incorrect and contact the credit agencies. I called the 3 agencies and sent in my government issues i.d., social, and a copy of this letter and an explanation to get this information removed from my file. They stated they couldnt locate the files multiple times. Tired of getting a run around I filed a complaint with the cfpb. The agencies then stated they would " investigate this '' they sent me a letter stating they were able to verify it. Stating nationwide stated this even though i got a letter from them stating otherwise. Nothing was attached or sent as proof that the debt was verified. They have failed me a a consumer as they did not properly investigate the matter and send the required proof that was used to verify the debt. I will attach the letter I received from nationwide recovery themselves as my proof. I have done everything that is required by me and I expect XXXX/Transunion/XXXX XXXX XXXX to do so also.
Product: Mortgage

One of my continuous issues with my mortgage company PHH MORTGAGE IS THE INCOMPETENCE. IN XX/XX/2020 I ATTEMPTED TO REFINANCE. THE ISSUES WERE SO BAD THAT I RESORTED TO FILING WITH CFPB. I HAVE NOT REFINANCED TO THIS DAY. PHH LIES AND SAYS IT TRIED TO HELP ME BUT THE SAD PART IS THEY PASSED THE BUCK TO STALL AND COVER UP INCOMPETENCE. I SPENT A WEEK ARGUING WITH AN NEW AGENT WHO INSISTED THAT I MUST GET MY OWN CERTIFICATE OF ELIGIBILITY FROM VETERANS AFFAIRS. UNTRUE. AS A VETERAN I TRIED FILING FOR A VA LOAN. IT WAS RIDICULOUS. I HAD TO ARGUE ANOTHER AGENT DOWN ABOUT BEING A XXXX VETERAN AND THAT FACT RELEASED ME FROM SEVERAL OBLIGATIONS IN REFINANCING. ONCE AGAIN ABOUT A WEEK WASTED WHILE THEY SELF EDUCATED. THEN THE AGENT COMES BACK AND INFORMS ME THAT I HAVE TO HAVE AN HOME INSPECTION DONE AS PART OF A VETERAN CLOSING. IT TOOK 2 MONTHS TO FIND OUT I WASN'T QUALIFIED FOR THE INTEREST ONLY REFINANCE. I ASKED WHAT OTHER TYPES OF REFINANCING IS AVAILBLE. THE AGENT AND I HAD A DISAGREMENT. I HAVEN'T HEARD FROM ANYONE SINCE. THIS IS DEPLORABLE. I TRIED CALLING AND ITS SO HORRIBLY INEFFECTIVE BECAUSE THEY DONT KNOW WHATS GOING ON AND WILL TRANSFER THE CALL TO THE USELESS DEPARTMENT.