23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX, a dentist office in XXXX XXXX, NV, that my wife and I visited in mid 2015 is claiming that, after my insurance was charged, that we had a combined balance of {$21.00} due that was a result of their error. I just recently received a notice from my credit monitoring service that a collection company placed a collection notice on my credit report trying to collect {$52.00}. When I called the collection company to verify what this charge was for and for the break down, they informed me that it was a {$21.00} charge from 2 years ago that originated at XXXX XXXX, a {$10.00} finance charge from the same dentist office and then another {$21.00} fee from the collection company that XXXX XXXX used. When I asked for verification of the collection, they said that the office attempted to contact me several times, and when I asked why there was a {$10.00} finance charge when I never applied for credit or signed any type of contract with the office, the replied that it was the dentist charge. Along with the {$10.00} bogus charge, the {$20.00} charge from the collection agency is a tactic to get the bill over {$50.00} dollars and reported on someones credit report. When I asked the credit agent representative, why someone would go to this length to collect {$20.00}, the response was a laugh and saying she had seen worse or less amount. I offered to pay the balance due be the dentist office without even being aware of what it was and she said that I could do that, but would still owe the remaining {$31.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wallet with SSN, My Sons SSN, IDs, Cards And More Was Used and Stolen Back In XX/XX/2016. Resolving Full Credit Report Prior To Applying For My US Citizenship. Please Call Me Urgently For More Information. 

Thank You Regards, XXXX XXXX XXXX - 15 U.S.C. 1681c-1 and 15 U.S.C. 1681c-2
Product: Student loan

Edfinancial was designated as my student loan servicer. They are unwilling or unable to process my income based repayment application. I applied on XX/XX/XXXX and no movement has occurred. 

They lost the application sent by FSA. They are unable to receive a copy of my application through their own website even though it was sent on XX/XX/XXXX. Their customer chat has been disabled by the company and the wait time to speak with an agent can be between 300 and 960 minutes even minutes after opening. 

If I am unable to get my IDR accepted, I will be forced to miss a payment that I can't afford to make.
Product: Debt collection

Constant robo calls. I do not owe or have a debt in collections
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing incorrect information on my equifax credit report for a long time now. There is an account that is reporting (   XXXX   XXXX   ) as a charged off to a bad debt. This information is completely wrong and it is affecting my credit score in a negative way. I paid this account in full back in the year of   XXXX   in the amount of {$380.00}. The company has since gone out of business so equifax keeps telling me that they have 30 days to respond. There is no way for them to verify this information at this point anymore because the company does not exist so by eqifax telling me that they verified the information as correct is wrong information and they refuse to delete it off my report. To top this off this account should have never gone to collection/charge off to a bad debt because I paid it in full. Now tonight I tried to go online to re-dispute this account again and after filling out all the personal information the system will not allow me to gain acess to my credit report. Having this wrong information with this account on my equifax credit report is affecting my credit score in a negative way and affecting me in obtaining substantial credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm embarrassed I have to file a complaint I thought exercising my right as a consumer was protected and that laws had to be followed. I have been disputing these inaccurate and unverifiable accounts for months now with no response or mail in response to my request as a consumer. On XX/XX/2022, I sent disputes concerning accounts that are illegally reporting on my credit in violation. In accordance with 15 U.S. Code 1681i ( 7 ) I, the consumer has the right to know the description of the method used to verify the information furnished on my consumer report. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the contractor is required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report. 
USC 1681a ( e ) makes it clear that if a consumer reporting agency investigates something then it is known as an " Investigative Consumer Report '' but i do know for you to investigate things you need to conduct interviews with the following : - Interviews with neighbors - Friends - Associates of the consumer - or anyone who might have knowledge concerning such items of information I have yet to receive any proof from the person that is reporting on my consumer report. I was not sent any information, I've been getting papers from Transunion saying I'm working with a credit repair which is clearly not. They even refused to process my disputes as a consumer isn't that illegal? The cause of this has been stressful and impacting my financial life to purchase anything. On XX/XX/2022 I sent another letter to comply with my request which might get ignored like all the rest which is why I'm making this complaint now.
Product: Mortgage

In XXXX of XXXX I received an incorrect Annual Escrow Analysis from Cross Country Mortgage resulting in an overpayment of over XXXX dollars a month. I have, however, continued to make these payments in this erroneous amount. 

I have contacted the mortgage company multiple times since XXXX oXXXX XXXX via phone and email. When I call I am told that I can not talk to the escrow department because they do not take calls. I am then given an email address to send documents to which is only replied to with a " no reply email ''. 

To remedy this situation I have asked to have my escrow waived, that request has been denied. I am being forced to overpay because of a miscalculation on the lenders behalf which after XXXX months has not been corrected, despite my efforts. I am essentially being extorted by XXXX XXXX, if I do not continue to pay this erroneous amount, I risk destroying my credit and losing my home.
Product: Checking or savings account

I am writing to formally complain about the way BOFA has handled my 2 cases that are in the subject line above, and the BBB has been contacted to help me with this, who will also be getting in contact with the XXXX. On XXXX I called to file a check fraud claim that occurred on my account, I spoke with someone in the check fraud department and spent almost XXXX hours on the phone with him. He ASSURED me that my case would be filed and that I would have to call to check back to check on the status of the claim. I called back a month later on XXXX to find out that my case had NEVER been filed. My case was not formally filed on XXXX from my original call in on XXXX! This is GROSS NEGLIGENCE. The fact that Bank of America did not file my case for over 1 month speaks volumes about their customer service levels, which is extremely poor. It seems that BOFA did not care to file my case, nor did they take the proper steps to ensure everything that could be done, would be done in the check fraud investigation. BOFA is now trying to wash their hands clean of my check fraud case even though they had a HUGE part in neglecting to file it. I wanted to send this email as a last resort before specific action is taken by me with banking governing bodies as well as the XXXX. To this date I have not heard back from a manger at BOFA regarding my compliant and how it relates to the check fraud case, just that my check fraud case was closed. The XXXX, XXXX, and other governing bodies will be alerted and looking into this with a fine tooth comb. Customers deserve to have their cases filed on time and failing to do so is breaking regulations. 

On XXXX XXXX fraudulent checks were deposited into my account, which bounced 2 days later. Bank of America failed to place a hold on the check to ensure that the funds would clear. However, they are not accepting any wrong doing from this. They also did not file my fraud claim for over 1 month which is the main issue. Please hold them accountable for messing up the investigation by NOT FILING A CLAIM!!!
Product: Student loan

Hi CFPB, I wanted to inform you of some of the misinformation and misreporting going on with XXXX XXXX XXXX and the Public Service Loan Forgiveness program. Recently, I changed careers from working as a XXXX XXXX XXXX in North Carolina. I worked in NC for five consecutive years with no breaks in service. During this time, I paid on my student loans every single month, automatic withdrawal. So it was roughly 60 payments, give or take. However, when I submitted my documentation to validate my payments for the PSFL. I was told that I only had made 30 qualifying payments with no explanation. This is not true, and it is either intentionally deceitful, or gross negligence. This incorrect representation of my payments would cost me thousands of dollars.

I have called 2 times and spoke to representatives who ensured me that my situation was under review and they had no other information. I also have emailed about my situation on 2 separate occasions with no response.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccuracies on my credit report. If my previous request has not resulted in the appropriate corrections or if you claim that the accounts were " verified, '' I hereby invoke my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681I ).

Please be advised that you are required to reinvestigate the items in my initial CFPB complaint. You must verify the source of the information that led to your " verified '' response. If you are unable to provide this source, then you must delete all contested items from my credit report.
Product: Student loan

I recently contacted Navient to start a payment plan on my private which I owe a crazy amount of XXXX or so. The man I spoke to was very helpful and stated he could lower my payment to XXXX a month and I was ok with that. However, I kept receiving emails my account was past due. When I called Navient reps were not aware I was on a payment plan and transferred me back tot the man that had originally set me up with a plan. The man stated that the payment plan had been declined and did not provide a reason and that the full XXXX a month was due plus late fees. I was appualled no one informed me that the payment plan on based upon approval and the man still took my payment of XXXX for the month of XXXX and did not cancel my future payments of XXXX for the next XXXX years. I tried to negotiate another payment plan and he said I did not have any other options and they my loan would go into default. I am currently in good standing with my federal however Navient is not working with me on my private loans. My private loan is XXXX years old and the interest rates are over the roof! I never was counseled by XXXX or XXXX XXXX XXXX know known as XXXX XXXX about getting private loans. I strongly feel I was a victim in getting into private loans. The schools took advantage that I had no family support to continue my education and lured me into private loans. I was always under the impression that I had only federal loans. Navient is ruining lives and I strongly feel the government should punish them. I have been trying numerous times to work XXXX XXXX and now Navient on my private loans. I am just asking for a affordable payment! Please help me find a solution I do n't want this to go into a legal battle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX acct # XXXX XXXX XXXX acct # 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 an account without my written instructions., 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account that was verified as accurate by Experian and XXXX. I have not done any business with XXXX XXXX XXXXXXXX, but there is a credit card that was opened in my name. The investigation done by Experian and XXXX could not be accurate because I was unable to get a verification of my SSN used on the original application.
Product: Prepaid card

Fraud on my XXXX card. Funds were used but not by me. Money Network denied my fraud claim. Ive sent emails and made phone calls since XX/XX/2023. They didnt respond. On one phone call I was told Id been denied. I submitted a complaint to XXXX. No response. Im out {$350.00} and dont know any way to rectify this loss.
Product: Credit card or prepaid card

I tried to get a credit increase on both of my Chase credit cards. Not only they do a hard pull on your credit report, they will also need to pull two separate reports for two credit cards which is not logical. They can use one hard pull and utilize that " one hard pull '' to establish multiple increases. I have been a Chase credit card client for many years and my credit is above 800 via the XXXX rating platform.
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized inquires on my Equifax consumer file report. I tried to call and write them regarding this. they have not responded and refuse to remove these over the phone after I verified myself and explained I did not authorize these inquires : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX
Product: Mortgage

The mortgage is from XXXX XXXX, serviced by PHH Mortgage I was charged twice an inspection fee of {$11.00}, both on XX/XX/19, when asked for an explanation i was not given one. They just say I agreed to it by signing the loan docs. When i asked to talk to a supervisor i was refused, saying someone will call me back ( which hasn't happened ). 
I was also charged attorney fees of XXXX on XX/XX/19, even though the loan was brought current in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3800.00}, {$5700.00}, {$9100.00}, {$14000.00}, {$11000.00}, {$13000.00}, {$10000.00}, {$6000.00}, {$14000.00}, {$0.00}, {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$11000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNTS 9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 11. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN REFUSE TO UPDATE THE PAID ACCOUNT AS PAID EVEN WITH PROOF We have opened your Account Dispute The dispute for the account with XXXX/XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

Alert Details Alert Date XX/XX/XXXX Source Experian Date Submitted XX/XX/XXXX Estimated Resolution Date XX/XX/XXXX Report Number XXXX Account Number XXXX Company XXXX/XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Sales Contract Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms 6 Months Responsibility Individual Your Statement - Comments Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX FP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FP XXXX On Time 120 120+ Days Late 30 30 Days Late FP Failed to Pay 60 60 Days Late N Negative 90 90 Days Late Data Unavailable
Product: Debt collection

I had purchased XXXX XXXXXXXX XXXX from the XXXX store when I transferred service from XXXX. Doing so, I was informed my bill would be {$0.00} for the XXXX XXXX due to a promotion when in fact my bill ended up being {$20.00} per watch per month. I returned the watches. After doing so, I was still being charged so I complained to customer care and they assured me that I would not be billed any longer. They credited my account and we moved on. In XXXX I decided to switch back to XXXX and upon doing so, they closed my account out and charged me {$260.00} for equipment. I called them and they told me it was for the XXXXXXXX XXXX. I informed them those were returned a long time ago but they did not care and continue to bill me for them. I have not had a single derogatory mark on my credit in a decade. If I actually owed the {$260.00} I would have just paid it. Its the principle for me. I do not owe this debt and I will not pay it. The store rep that took my return was named XXXX at the XXXX location off XXXX XXXX. I called the store to get things solved and they told me I have to go to customer care. Customer care just directs me back to the store and its a never ending loop. Im sick of dealing with it and Ive already disputed and had the charge removed from my XXXX and XXXX but XXXX keeps reporting. XXXX XXXX XXXX is the debt collector on behalf of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 16811 - EXPERIAN, XXXX AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS AND DELETE UNKNOWN INQURIES- VIOLATIONS OF THE FAIR CREDIT ACT
Product: Credit reporting

Equifax is completely negligent in not removing the bankruptcy from my credit file after I sent proof that they are reporting this bankruptcy with a filing date that has a year of " XXXX '' which does NOT exist. I did send the page from my credit report showing that it is being reported like this and it was not corrected or removed. They are now in violation of the FCRA section 1681. Not only that but they are reporting XXXX XXXX as well as XXXX XXXX with the same account, which is double jeopardy as ONLY the company that actually holds the account can report the account, not both. This needs to be removed as well. Immediately.
Product: Debt collection

This debt is past the statute and still listed on my credit file. I have disputed this before
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX - XXXX - {$810.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that I did not authorize. I have reached out to the credit bureaus and companies and no one will remove them. XX/XX/XXXX XXXX capital one XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The company said the inquiries were verified which can not correct as I did not apply at any of the companies.