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

Experian is currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the Northern District of XXXX  stated that they did not provide information to Experian and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so! 

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.
Product: Checking or savings account

I deposited a check using the Chase mobile app on XX/XX/2023 for the amount of {$4100.00}. My account was restricted on XX/XX/XXXX, and later was closed. The reason given for the restriction was that the check was issued to multiple people and required additional review. I've called multiple times over the time period between then and now, and have been given multiple methods of verifying the issuance of the check by Chase, but none of them are feasible. The first method was to provide phone numbers for all parties involved in the check, which I did, but Chase informed me that they would be unable to use the provided phone numbers as they did not exist within their internal validation system. The second method was to request that the check be recalled by the writer of the check and to request them for a new one. This was extremely misleading and a waste of time for all parties involved, as Chase misadvised me to actions that were impossible for all involved parties. The issuer of the check and their bank informed me that they were unable to do so as Chase already cashed the check and was holding the funds. In summation, over the past few months, Chase has lied to me, wasted my time, held my funds, and closed my account without giving notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and saw that Progressive Management placed a collection account on my credit report for $ XXXX {$10000.00}. I disputed and asked them to provide some type of proof that I owe this debt. I request copy of the original contract showing my signature, when the original account was opened, copy of any identification submitted when applying. None of that was provided, instead they asked me to send my social security card, copy of my identification and asked me to lrove that I don't owe it. I don't know who they are or what this is so I refuse to send my personal items to a company I don't know. They reported to my credit report fraudulently and the burden of proof is on the to show that I actually owe this. If not, they should delete which they didn't. Its now affecting me getting an apartment and may result in me being homeless during a pandemic. Please ask them to submit a full verification with contract and proof I owe.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion, XXXX, and XXXX due to their failure to resolve inaccuracies on my credit report, despite multiple disputes. The following issues remain unaddressed : Account Not Marked as Disputed : The credit bureaus have not marked the disputed account as " disputed '' as required by the FCRA. 

Incorrect Date of Last Activity : The date of last activity on the report is incorrect and does not reflect the actual last payment date, which violates FCRA guidelines. 

Unvalidated Collection Account : The collection account has not been properly verified as requested under the FDCPA.
Product: Credit card

On XX/XX/2022, I by mistake double paid my statement balance. Having realized my mistake, I requested the Chase Card Services ( CCS ) to refund my over-paid/double paid statement balance in the amount of {$3200.00}. 

CCS re-funded my over-payment by crediting my bank account. 

On XX/XX/2022, I did receive a letter from CCS that they processed my refund request. However, CCS put back my overpayment of {$3200.00} as a charge to my creditcard and asked me to pay back my over-paid money which they refunded. 

I disputed online as well as on phone. CCS never responded. I closed my credit card account by paying all balance other than {$3200.00} which was my own money they refunded. They repeatedly emailed me to pay. I responded, I do not owe anything and asked to cease and desist. 

CCS, as I bunderstand transferred it to collection agencies and I am getting letters from those debt collectors. 

I request CFPB to ask the CCS and the debt collectors to cease and desist and clear my credit history with this amount. 
Thanks. 

XXXX
Product: Mortgage

In XX/XX/2022, myself and my wife file for a construction loan with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX over six months which we didnt talk to the underwriter or any other loan officer when we request it to speak to someone else. we had a hard time contacting XXXX XXXX. Matter of fact during the whole six months we had a hard time contacting him and his so-called loan team could not be reached, and I took at least two weeks every time that we requested something to contact him. The bottom line XXXX XXXX denied us because he said that we didnt have enough capital. XXXX XXXX didnt look into another construction loan like Single Family Home from USDA XXXX We believe he didnt try to get us alone also we dont know who is XXXX or incompetent.
Product: Credit card or prepaid card

I noticed 2 identical charges on my XXXX statement for XX/XX/2021 for {$180.00} from a vendor called " XXXX XXXX XXXX '' transaction ID XXXX invoice ID XXXX details " Restart game ( XXXX XXXX ) and XX/XX/2021. 

" XXXX XXXX XXXX '' transaction ID XXXX invoice ID XXXX details " Restart game ( XXXXXXXX XXXX ) Out XXXX account links to our credit card for Slate Chase Bank. We disputed the charges with Chase right after they occurred and they initially credited both to us. After months of investigation by their fraud department, they decided that the charges were " valid '' and charged them back to our account. We then pursued the claim with the Ohio Office of Consumer Affairs under which XXXX complaints can be investigate. After some time, XXXX agreed to credit back the charge of XXXX from XXXX but said they could not credit the one from XX/XX/2021 because it was already " charged back '' by the credit card company. This was back in XX/XX/2021. We have tried to pursue the earlier charge of XXXX with Chase 's fraud department again and even got a local branch to assist. They called us several times and left messages. When I called back, many times, I was never able to reach them as they never answered their extension. We have tried to get them many times but they have sent an on-line letter to my account saying they have abandoned the attempt since they could not get ahold of me. They left another number and extension which I have repeated called and have not gotten any more response.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit reporting agency ignoring delete fraudulent accounts from my credit report
Product: Student loan

I have requested in writing multiple times that Mohela direct my payments to the Unsubsidized portion of my loan. I even wrote the request ON THE CHECK they cashed. 

Mohela ignores my written requests. Also, nobody answers their phones. 

Also, Mohela cashed my XXXX payment but still says I " missed a payment. '' I mailed them a check and they took over XXXX weeks to process the check.
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 Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I and many others according to posts on XXXX received an email from Great Lakes Loans that the loans would be transferred to Nelnet. According to federal student aid, they are the same company. The email I received from them states that the account will be closed and a new one opened up. 
" XXXX : Great Lakes will report your account ( s ) as closed due to the transfer. Nelnet will then open a new account ( s ) with the same total balance for each loan you have, and report your student loan ( s ) to the four nationwide consumer reporting agencies ( XXXX, XXXX, XXXX, and XXXX ). Within 90 days of the transfer, these changes will be reflected on your credit report, and Nelnet will continue to report on your federal student loan ( s ). '' As this is a close old account and open new account situation, this will very likely have a negative effect on my and many other 's credit scores, when in comparison there is supposed to be a name transfer which would supposedly keep the account age intact, and supposed to not impact credit scores, according to the XXXX XXXX XXXX XXXX.
Product: Debt collection

I was taken to the hospital I was employed at, we have insurance thru this same hospital, all insurance claims were to be sent to our hospitals insurance carrier i never received a invoice for anything then all of sudden when checking out my credit report this doctors group had sent it to collections, now it appears on my credit report twice as the first collection company sold it to another, this is not right, I paid my copay for the services rendered and if you look up the history of this doctors group they do this all the time, several complaints have been filed against this group, which basically all they are a traveling doctors to fill in when hospitals have shortage of medical staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I did an investigation to my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance whit the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

On XX/XX/XXXX I rescinded a loan " modification '' that was done by XXXX XXXX that was really a cashout refinance, because XXXX paid off my former first mortgage that was with XXXX XXXX without my knowledge or consent, and included these funds in the modification without disclosing it in any way. The loan has since been transferred to Select Portfolio Services, and I have filed numerous complaints against SPS, as well as a complaint against XXXX, which has not been answered yet. The modification was done in XX/XX/XXXX, which is well within the 3 year recision time allowed since there was no documentation of the additional funds ( no XXXX Statement or anything ) and no right of rescision given to me since it was a cashout refinance and not a straight modification, and I sent notice of rescision on XX/XX/XXXX. 
SPS refused to rescind the loan claiming there was no record of XXXX being paid off. 
I have ordered a copy of the wire transfer from XXXX to XXXX, which I will forward to the CFPB as soon as I receive it, as well as the payoff letter with XXXX 's fax number on it. The payoff request was done by phone on XXXX 's automated system, or I would also get a copy of the payoff request. 
SPS has done no research into the payoff to XXXX, which they should have full access to as the servicer of the loan, but has only kept claiming that there were no funds to XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This all falls under this 15 USC 1681B!! Please I want all these off my report! unless they have written consent for them to report they can then post on my report! until than they don't! so I would like these off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax and XXXX after disputing the inquiries with the original companies. I also contacted them and nothing was corrected. I did not authorize the following inquiries on my EQUIFAX/XXXXreport. I requested them to remove the inquiries since I did not authorize. 

EQUIFAX REPORT XXXX XXXX-XX/XX/XXXX- I have an open account currently with them. That account resulted from a different inquiry date XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX-I have an open account with then. That account resulted from a different inquiry XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX REPORT XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX and XX/XX/XXXX an account was opened that I did not authorize . I do not have a XXXX XXXX  XXXX-XX/XX/XXXX-I have an open account with them that resulted from a different inquiry date. 
XXXX-XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Company continues to mislead over the phone and lie about fixing information. Through XXXX XXXX i am able to see all the misinformation Experian is using
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$940.00} or XXXX XXXX XXXX XXXX Opened : XX/XX/2019 Balance : {$24.00}.
Product: Student loan

I called MOHELA regarding the false and fraudulent financial practices targeted towards my person between XX/XX/2023 to present ( XX/XX/2023 ). The notification system stated that the wait time to speak with a representative would be approximately 3 hours. I have been waiting on hold for over 3 hours to speak with a representative. 

Additionally, I notified MOHELA on XX/XX/2023 that the bill issued and notarized via U.S. Postal service contained several financial errors. Specifically, the bill continued to list my loans under the REPAY plan instead of the SAVE PLAN. Additionally, the bill did not list any interest, only the principle balance. I was verbally informed by the representative that there was approximately {$300.00} in interest associated with my account. 

It was determined in XXXX of 2023 that this information was false and fraudulent as there should be {$0.00} in interest. I requested that a corrected bill be sent to my person via U.S. Postal service. MOHELA never sent me a corrected bill via mail in XXXX of 2023. I continue to experience financial discrepancies due to MOHELA 's fraudulent business practices. 

I am still on hold to speak with a MOHELA representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX and XXXX XXXX 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 2 it also state a consumer reporting agency can not furnish a account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to dispute a collection account on my report that was being reported with no name or contact info for the credit. Equifax gave me the missing info and I filed a dispute as I do not have any outstanding bills with this company ( Credit Bureau Services, XXXX XXXX, CA ). I also called XXXX and they are out of business. The dispute came back that the debt was verified. How could Equifax verify the information if the company is out of business? I want Equifax to delete the erroneous information and stop lying to consumers are bout verifying information when THEY DO NOT!
Product: Debt collection

XX/XX/2023 {$1200.00} Disputed through credit bureau
Product: Credit card or prepaid card

Hello, I have recently had problems with JCMCB ... JCMorgan Chase Bank concerning a purchase showing on the credit card. Please see the following : 1 ) I don't remember even applying for this credit card, unless it was by mistake.

2 ) I rec 'd the credit card even though I did not want it.

3 ) I took the card and put it in my box of unused credit cards because I did not want it.

4 ) I did not make any purchases on that card.

5 ) I rec 'd a statement in the amount of {$60.00} for the period XX/XX/XXXX - XX/XX/XXXX. I called JCMCB to discuss the problem. They were going to research.

6 ) I did not hear anything back from them.

7 ) I called again when I rec 'd the next month 's statement with late fees and interest, 8 ) I called again to talk to a manager. They would not get me a manager.

9 ) After going back and forth with JCMCB, they finally wrote off the balance and closed the account.

10 ) Now there is a mark on credit report of a late payment relating to XX/XX/2020.

11 ) This is not fair considering the balance was not mine in the first place.

12 ) I would like my credit report adjusted for this mishap so my credit score can go up.

Please take care of this asap, as I work hard to keep my credit score in good standing.

Thank you.
Product: Student loan

For 6 months now I have been sending my financial info, along with my cosigners info, in to the office of the customer advocate. I am struggling financially right now to even put food on the table let alone catch up on late loans and pay {$450.00} a month. I keep being told different information about what is and is not an option. My payment was lowered at one point to {$200.00} for a month, I was told it would be permanent. I thought it was a miracle. Then a month later it was doubled and the person I spoke to fell off the face of the earth now Navient is calling me 6-7x a day demanding payment. Telling me to get a XXXX job. They are making my life XXXX. I 'm hoping the attorney generals office can help because no one at Navient seems to care about anything other than threats.