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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting

In retaliation of my original complaint with the CFPB against Equifax, the company has cancelled my XXXXBureau Report that I paid for on XXXX and removed my payment methods used. When I noticed this during a routine attempt to view what I bought, I called customer service. The woman ( clearly XXXX ) told me that Equifax failed to bill me for a completely different product and, due to the company 's error, had decided to cancel what I legitimately paid for. 
It is not my responsibility to do Equifax 's job in reminding them to bill me. My payment method was always valid, was previously auto-billed, so the issue was clearly on their end - not mind. But cancelling a product that I legitimately paid for and REFUSING to refund me for the product I paid for is against all known laws. 
Furthermore, Equifax has NOT completed their investigation dated XXXX/XXXX/2015 as my report still reflects the items I disputed as being under investigation, which is against FCRA. 
The agent 's response ( clearly doctored XXXX from CFPB case # XXXX only proves the company has been mishandling mine ( and others ' ) credit report information and has no interest in making things right with the numerous consumers they 've wronged. 
CFPB should hold this company responsible as I 'm certain XXXX ( if not XXXX XXXX will line up behind me in adjudicating Equifax a company that falls short of any semblance of 'organization '. 
Attachments prove they charged my debit card ( which they removed ), and also prove the company is NOT representing the truth in how they 're re-investigating. 
I also have the right to know the procedures used during their re-investigation, which I would like to see.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX XXXX sent a request to XXXX and XXXX for the XXXX time in XXXX to have the information regarding the Santander Consumer USA account removed from my report. I informed XXXX   and XXXX  with a certified letter on 3 occasions that the account balance was incorrect along with payment history and that the account needed to be removed. I asked for the contact name and information for the representative providing the information at Santander along with verification of a contract with my social and signature, and how the obtained the information from Santander. It turned out that the account balance was incorrect and even though they recently change it, it is still incorrect. They also never updated my payment history. XXXX  and XXXX  never submitted to any documentation with my signature or consent of contract information no did they provide the names and contacts of agent at Santander submitting this info as accurate. They ignored my written request to have this account removed as well as my telephone request for this information. Santander was part of state-wide lawsuit here in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX I applied for the federally subsidized, pandemic mortgage assistance program that was just started that month after finally being approved by the U.S Treasury Department. The program in my state, Georgia, is called the GA HAF and is administered by the Georgia Department of Community Affairs. I was then instructed when after I applied to contact my lender service provider, DMI aka Dovenmuehle Mortgage , Inc. to request their participation in the program. In XXXX, XXXX I was notified by DMI that they would agree to participate. I was approved for assistance in XXXX, XXXX and a payment was made to DMI in XXXX, 2022. At the time I applied for assistance and notified DMI, my mortgage was current and there were no past due payments. After beginning to participate in the GA HAF program, DMI began to report my payments as past due for 30 days starting in XXXX, 60 days in XXXX, and then 90 days for XXXX, XXXX and XXXX. After payment was made to them by the GA HAF program in XXXX, XXXX, they did not update my credit report to reflect payment until XXXXXXXX XXXX  The update now shows my payments as current, but they did not update my credit report regarding the 30, 60 and 3 months of 90 day past due payments. I disputed this with them and with the credit bureaus as it is my understanding that participation in any federal program for pandemic related mortgage assistance allows for credit protection under the Cares Act ; as long as you are current with your payments at the time you begin to participate in any program. I have disputed the incorrect information now being reported in my credit report with all of the credit bureaus based on this. The credit bureaus have contacted DMI and are claiming that DMI is refusing to correct my credit report. Please contact DMI and request that my credit report is fixed and should have been protected by the rules of the Cares Act.
Product: Credit reporting or other personal consumer reports

I woke up today to find inaccurate accounts on my credit report, and Im completely baffled. I check my credit regularly, and this time, there are errors that make no sense. I even refreshed my browser, hoping it was just a glitch, but they didnt go away. I feel so helpless and am begging for the documents Ive submitted to be thoroughly reviewed so I dont have to live with this fear anymore.
Product: Debt collection

An individual in another state used my social security number to open an account with XXXX XXXX. They didn't pay the Bill and Credence sent me a collection notice. I did all of the required paperwork with Dish and Credence, and I was cleared of the debt in XXXX of XXXX. Now, that debt collector is trying to collect the debt from me again and has ignored me that I proved to them that the account was a result of identity fraud.
Product: Mortgage

Bank of America Mortgage loan # XXXX I had a payment deferral program about a year ago during the pandemia. I was granted 3 or 6 months of PAYMENT DEFERRAL, NOT A FORBEARANCE. They managed to mess up my loan to the point that they asked me to pay the month of XXXX, which I did not owe. I must have spoken to several persons and they ended up repotting " a missed payment '' that messed up y FICO. I had to file a complaint with you and deal directly with their Executive Offices. After much back and forth they finally corrected my XXXX  credit report and all other bureaus. I owe this to YOU and my persistence. But lo and behold< they blew it again. I have been paying my P & I payment on time ( always on the first day due ) and I paid XXXX and the website showed the payment applied correctly and that the next payment was due in XXXX. I made that payment on XX/XX/XXXX by means of my XXXX  CHEKING ACCOUNT but today they don't show the payment posted and they show next payment due date to XX/XX/XXXX. I sent them a email message and was told that to get better service to call the Home Retention Program which I did today ( XX/XX/XXXX ) and spoke to XXXX who transferred me to XXXX who promised to call me back with a solution but never did. Ladies and gentleman BofA functions like a fourth class bank, please help. I was in XXXX 35 years and am an XXXX. My FICO with BofA is XXXX. I can stand this mess anymore
Product: Bank account or service

After 70 years as a business checking customer US Bank closed our account without notice. We operate a small, family run XXXX in XXXX, Oregon. In XXXX, the branch manager informed us that the bank had misplaced our signature cards and they required a new one in order to keep our account in good standing. In reviewing our account, it came to the attention of the bank that we had an ATM on site. US Bank had inquired about ATM activity and asked that we make withdrawals daily when for the last 30+ years we 've been making deposits and withdrawals weekly. It is worth pointing out that our ATM does n't allow deposits. US Bank 's XXXX staff asked us to make cash withdrawals daily instead of weekly. We argued that daily withdrawals do n't fit into our workflow and that we are a low money laundering risk. Upon request, we provided a list of vendors along with a .pdf of our reconciliation paperwork on XXXX XXXX, 2015. In mid XXXX we resubmitted the signature card to the branch, at which time the branch manager informed us that a letter may be sent informing us of our account closure, but to disregard it now that we had everything submitted. The branch manager thought the documentation provided was very clear and precisely what the bank required. On XXXX XXXX, we went and did our deposit and our online bill pay, like normal. On XXXX XXXX, when going in for a change order, we discovered that our payroll account had already been closed and that our other XXXX account were in the process of being closed. US Bank 's XXXX team could not understand the .pdf and neglected to ask for any additional elaboration or clarification. They asked for a spreadsheet which we provided on XXXX XXXX. On XXXX XXXX, we received a check for each of our closed accounts. The branch manager was embarrassed by the actions of his XXXX team and apologized to us. He said he could n't believe this was happening and could n't believe he was suggesting we find another bank. On XXXX XXXX, we established a relationship with XXXX Bank and are now using them as our bank. The actions of US Bank were without warning or merit and were clearly unfair. This feels like a violation of the UDAAP standards. We are a family run business that has a strong history of support in our community. We had bills in transit, were assured that the online bill pay checks were not going to be issued ( but they were issued ), and ended up bouncing several checks since our account was closed without notice or warning. We also have payroll checks that are likely to bounce. We had to reach out to our vendors and employees to explain the situation to them. This is not only embarrassing but it 's a significant reputational risk to our business. We still do n't know the basis of US Bank 's XXXX decision. This is incredibly frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

My mortgage servicer, SLS, has put insurance on my property since they claim I did not have coverage. My agent sent them information at least 3 times and no one at the company looked at the information nor notified me that they needed proof of other coverage. I had the condo association coverage sent to them. They wanted my personal coverage. I have always had coverage but by the time they finally said I had sent them the wrong information they had already put expensive coverage on my loan and started an escrow account. They want to charge me over {$1000.00} for coverage which has cost me only about {$200.00}. I called about this and the woman on the other end hung up. I think they do this as a total rip off to the customer. I am sure they earn a big commission on this very expensive policy which really does n't have much coverage for them. The main condo building policy is the most important which was sent to them 3 times.
Product: Student loan

The Consumer Financial Protection Bureau responded and acted on my complaint immediately. Navient responded with an action, but it was minimal and did not take care of the main issue. A policy change that is ethical and fair for divorced consumers with consolidated loans must be made. 

Many years ago, when Navient was still XXXX XXXX my ( then ) husband and I consolidated our loans. At the beginning of our marriage it did n't occur to us that a divorce may be looming in our future. It did. I have been requesting that our consolidated loan be separated, per the divorce decree since we divorced many years ago. They refuse. I am very kindly asking for CFPB to put pressure on this corporation by calling them, writing them, and asking them to correct this policy. If Navient is willing to allow married couples to consolidate loans then they should have a contingency plan and policy in place for those that divorce ; especially if the divorced party has a court decree stating that the loan amount be separated. This refusal by Navient seems unethical on many levels. One human should not be responsible for another human 's debt, which I am because of Navient. XXXX ( ex-husband ) XXXX initially chose to be a deadbeat dad, and is currently being garnished for child support payments. He refuses to pay his part of the loan, leaving me carrying the weight of his debt becasue I want good credit. Now, as a single mom, a XXXX, daughter of a deceased veteran, and an honorable citizen that votes and pay taxes, I am left struggling because of a debt I am having to pay for another individual that refuses to be honorable. I am also in XXXX XXXX trying to further my XXXX career. Navient refuses to allow me to defer my loan payments even as a XXXX at XXXX because my ex-husband and I have this loan together. Yet they refuse to rewrite the loans. This is an injustice to many divorced people in this situation. Please hear my request and demand Navient to make an amendment to their consolidation policy for divorced couples. ***I want them to defer my loan while I am a XXXX especially since I am the only one paying the debt. *** The ex-husband refuses to pay his part, and I have proof, and have sent that proof to Navient to no avail. Thank you for your time and help in this matter.
Product: Mortgage

my wife died XX/XX/XXXX and I sent copy of death certto Green Tree financial and requested loan be in my name only, title to property was also changed to my name only. Green Tree change loan to reflect this. XX/XX/XXXX I filled for bankruptcy and Green Tree changed the loan back to XXXX our names and refuse to change it back to my name only, also they issue all tax statements in my wife 's name. Can not understand how they can carry this on since my wife is dead and I pay all bills and all tax statements should be in my name, how does a company issue tax statements and loan info two years after some one has passed.
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 1681. 
Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX Account name : XXXX, Account name : XXXXXXXX XXXX, Account name : XXXX  has violated my rights. 

I looked at my XXXX credit reporting on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) for XXXX XXXX XXXX, XX/XX/XXXX ( XXXX ) for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) for XXXX, XX/XX/XXXX ( XXXX ) for XXXX XXXX XXXX According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2, they are supposed not to 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.

15 U.S.C. 1681B ( 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: Debt collection

I was checking on my credit score and accuracies on XXXX XXXX XX/XX/XXXX when I saw a derogatory remark from Convergent Outsourcing, inc saying I have a debt with XXXX for the amount {$2200.00} listed XX/XX/XXXX, XX/XX/XXXXand they said I disputed this, this is a false claim I have not talked with Convergent or heard from them or XXXX, the amount is false as the account was closed. 

It is listed that last payment on XXXX  was XX/XX/XXXX, this is a false statement. I canceled my XXXX account on or aroundXX/XX/XXXX and returned all equipment. I have not had an account with XXXX since then. 

How can anyone get a residential bill for {$2200.00} from a utility company without getting turned off for being past due for one maybe two months? 

This is nothing more than a corporate Shake down and extortion from XXXX and Convergent Outsourcing. 

I do not have records for this account with XXXX as it has been closed for almost 7 years. I have not lived at the address the account was associated with for five years.
Product: Checking or savings account

I reported to Venmo that my account had fraudulent activity and received an email in the middle of the night and I was told my account was frozen and I needed to send in a copy of my ID again. I did this just to get a response saying thank you for sending that but we are closing your account due to fraudulent activity. The said they were closing my account they have not closed it and still keeps accepting funds I was told IF I can get my money back it would be in 180 days and they still havent closed my account. I have emails as proof they stated they were going to close it and the have it open with me not being able to access anything. I have told them and was told the account would b closed and they wont respond back to me now
Product: Debt collection

XX/XX/2017 The company is XXXX XXXX They have sent an account that was current to collections also they are requesting money on a cellphone that was returned
Product: Credit reporting, credit repair services, or other personal consumer reports

Across many credit scoring websites my Equifax score appears as unavailable. I don't understand why this is. My XXXX XXXX account states that my Equifax score dropped by over 500 points. I feel as if there most be some type of error on Equifax 's behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the following items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information on my credit report is accurate, complete, and up-to-date. The above-mentioned accounts are not accurate and need to be removed from my credit report. 

The FCRA also states that you must investigate my dispute and respond to me within 30 days of receipt of my dispute letter. If the information is found to be inaccurate, incomplete, or can not be verified, you must remove or correct the information. 

Moreover, the FCRA also requires creditors to report information that is fair, accurate, and substantiated. I believe that the above accounts are in violation of this law, and I demand that they be removed from my credit report immediately. 

Furthermore, the inclusion of inaccurate information on my credit report has caused me a great deal of emotional distress and has affected my ability to obtain credit. I urge you to take immediate action to remove the erroneous information and restore my credit report to an accurate and fair representation of my credit history. 

I look forward to receiving your response to my dispute within the allotted 30 days. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

I am only writing this to have something on the record to show my lawyer for when court papers are filed when Equifax 's 30 days are up from the certified letter my lawyer had me send Equifax. I am curious as a previous communication from Equifax stated that XXXX XXXX XXXX was not currently being reported and I have sent Equifax a copy of the settlement by XXXX XXXX XXXX 's representative and myself and my lawyer claiming the debt can not be collected on by the defendant who was their representative. By that companies own admission, the account information was already in control of the account as the company sent it back before the settlement. This would make XXXX the defendant as much as their representative and needs to be removed.