23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Jefferson capital Account XXXX you state original creditor is XXXX Please if you can validate is account for me NOT VERIFY { 1 } who you talked to their name contact information, what was SAID both parties, any associates you contacted their name and contact information, time and date of above contact any co worker you may have contacted their name and contact information, the { original creditor } name and contact information VERIFIED means make sure or demonstrate that { something is true or justified, } LAW swear to or support { a statement by affidavit } Validation meaning the action of checking or proving the validity or accuracy of something { contract Signatures, .CFPB have a rights to this information
Product: Student loan

I have told American Education on multiple occasions that I have an attorney against National Collegiate Trust/NCT therefore I am not allowed to discuss anything with them but XXXX rep advised me they would need my address on file even though I have an attorney, this attorney is only representing me against National Collegiate Trust. XXXX rep advised me if it went to court, they have the promissory notes. I never signed any documents with NCT but like I advised her I ca n't discuss anything and I have the calls recorded. I do not want anymore letters from AES until the case is resolved. NCT has my attorney 's information, therefore they should be able to let AES know this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. 

These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Product: Checking or savings account

I bank with BBVA and also for business with a company called " XXXX ''. XXXX XXXX is an app that allows workers to imput their work hours and earnings into their system and receive money before their payday. This service is of great necessity to me based off of the drive service work I do and the need for gas to complete my job. Recently, my bank has not been updating my bank info faster enough, it 's almost at crawl.. I do n't know what the recent hindrance is, but I have updated all my online banking alerts so my information should be sent immediately. I love banking with BBVA, I would just like this aspect of our relationship to get better.. <P/>I just need my bank info to be sent to XXXX faster so I do n't have issues using their services.. <P/><P/>Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Product: Bank account or service

I recently opened a business checking account and US BANK felt it was ok to put my deposits on hold and charge me overdraft fees at the same time. There are well over {$300.00} in overdraft fees because they concurrently charged me for fees on money they 're holding and probably reinvesting in the market for 7 days. 

Ultimately I 've been wronged and I want the CFPB to investigate this matter. XXXX XXXX I would like no phone calls, please communicate in writing only please US BANK.
Product: Debt collection

Just in case Discover do not or ignore to an

swer again, I will summarize for you again and ask the question. Since I do not get answers for the past three months when I asked million times. 1. Send me all the statements from XXXX  which need to show my payment as well. 

2. Admit that it is fraud that " ur records confirm that we attempted to contact you by phone 99 times from XX/XX/ to present to assist in the repayment of your account. '' because I have a email from you guys that I received on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX Account number XXXX Closed XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX  Account number XXXX Closed XX/XX/XXXXXXXX  Both accounts listed above I disputed due being reported twice to all 3 credit bureaus with different closing dates and accuracy. I'm demanding that all late payments be removed this mortgage loan is paid off and should reflect current.
Product: Debt collection

Between XXXX XXXX XXXX and XXXX XXXX XXXX i was traveling in california with my family on the highway. i had rented a car from XXXX policy XXXX and on our way to XXXX XXXX we were rear ended on the passenger right side and the driver backed up and took off. I am a below XXXX XXXX and could not get out of care fast enough to gather license plate info. XXXX XXXX from the insurance would not explain or help me get this claim filed. XXXX constanstly called while i was at work and then pushed the claim through.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the reporting of my account, Account # XXXX with Avant/WebBank opened XX/XX/XXXX is in violation of my federally protected consumer rights to privacy and confidentiality under 16 CFR 313.7, 15 USC 1666a and 15 USC 1681 . I have sent the aforementioned company opt out notices and they have, and are, violating my rights by not complying with my opt out notices. Ive sent these notices to XXXX different addresses identified as Avants ' Creditor Information addresses from my credit reports. 
I have requested XXXX, XXXX and XXXX remove any and all information associated with my Avant Account # xxxxxxxxx due to violations being committed per regulations and laws under the Fair Credit Reporting Agency ( 15 USC 1681 ), The Privacy of Consumer Financial Information ( 16 CFR 313 ) and the Privacy Act of XXXX ( 15 USC 552a ) to no avail. Along with numerous other violations, XXXX reports the account with on time payments in XXXX of XXXX, while XXXX reports payments 30 days late in XXXX of XXXX and XXXX has no payment history available. Also, XXXX has the account remarked with Unpaid balance reported as a loss by XXXX XXXX, transferred to another lender, XXXX has it remarked as Purchased by another lender and XXXX has it remarked as Charged Off Account. In addition, XXXX, XXXX and XXXX each have different addresses listed as XXXX XXXX XXXX. I, once again, am formally requesting XXXX, XXXX, and XXXX the remove the XXXX XXXX Account # XXXX opened XX/XX/XXXX from my credit report.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX XX/XX/2021 ( Confirmation number : XXXX ( Dispute Response Attached ) ) with supporting documents ( Attached Are Billing Statements ) to back my dispute for the investigation and the investigation completed XX/XX/2021. XXXX did not update any information pertaining to the account in question but instead continue to report the account with inaccurate account history information after providing supporting documentation. 

The payment history is incorrect, highest balance reported is incorrect, creditor classification has been change since the dispute completed to show as not being a credit card and it is in fact a credit card with revolving terms, the terms frequency should show as monthly. 

This company claims to report to all 3 major credit bureaus but has only reported to 2 which are Experian and XXXX. I submitted a dispute to Experian XX/XX/2021 about the same issues and Experian deleted the account XX/XX/2021 instead of updating the account information in question because the creditor didnt respond to the open dispute.
Product: Checking or savings account

Money was taken out of my account fraudulently and Bank of America right away closed the claim and said I was trying to fraud them. I have seen on the news that peoples debit card information has been getting hacked and Bank of America just closes the case and doesnt believe the consumer. I called to reopen the case and they will not even give me temporary cash, this is not my fault I was the victim of identity theft and it seems as they do not care to help. I am struggling my family depends on this money I receive from unemployment.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ). as highlighted in the CFPB 'S recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

A company name " XXXX XXXX XXXX  " reporting a fraudulent medical debts to the credit bureaus despite attempts contacting them that the debt they're reporting isn't mine.
Product: Credit card or prepaid card

Fraud charges started showing up on my credit card on my Chase XXXX credit card on XX/XX/XXXX and I caught them on XX/XX/XXXX. They had charged charged over {$21000.00} while on a shopping spree around XXXX, TX, with a bulk of the charges at XXXX, XXXX, XXXX, and XXXX. 

I contacted Chase on XX/XX/XXXX to let them know about the fraud charges and we cancelled card number and they sent me a replacement. 

I received a call from a fraud specialist 2 days later. She explained to me that it was my responsibility to visit all the stores personally and investigate the fraud... I'm pretty sure the credit card company is supposed to handle this. The fraud charges were removed from my account the next day. 

Now it's XX/XX/XXXX and the charges are now back on my account and nobody has contacted me regarding why. I did not make these purchases and I should not be responsible for them. 

The document attached shows all of the disputed fraud charges- 13 in total.
Product: Credit reporting or other personal consumer reports

Did not prove accurate updated and did not remove anything- stated they verify the information which in fact they did not when I provide proof of no account and inaccurates
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Product: Mortgage

Caliber sold my loan to another company who is telling me theyre going to change my rates and they will refuse to do a refinance I had a refinance scheduled for a Thursday shelter in place started on Tuesday on Wednesday they called me and told me I could not meet in the office to sign the paperwork on my refinance and not to worry everything would be SS in place as soon as we were able to meet again in front of a notary and sign the new documents in the meantime I did do a forbearance with caliber and then I received notices that were over three months old that they had sold my loan not given a proper mailing address to the other company or utilize my proper mailing address the new company Then told me that they didnt have my information updated even though my loan would be officially theres that week but they were several weeks behind in processing that I would have to wait for them to update their system and then the meantime my forbearance had ended early according to them the payment will be due but they could not even except it because I was not in their system. I contacted caliber they directed me to the site to file a complaint but I dont think they realize my complaint is also against them Ill be filing a separate complaint against the new company as soon as they send me further information on who they even are.
Product: Credit reporting or other personal consumer reports

XXXX HAS BEEN ILLEGALLY REPORTING OPENED CREDIT CARDS WITH VERIFYING INFORMATION OR MY CONSENT UNDER MY NAME THEY HAVE NOT SENT ME ANY REQUESTED DOCUMENTATION ON WHAT THEY INVESTIGATED OR HOW
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has blatantly disregarded my dispute letter in regards to this alleged debt. I have sent multiple method of validation letters requesting how they verified this debt and irrefutable inaccuracies letters and to no avail the dispute was closed multiple time with no method of validation toward the validity of the debt. 

The original balance being reported for XXXX XXXX is {$1500.00}, yet it's currently being reported as balance owed as {$1500.00}. Also, a collection account can't have a past due amount due. 

I've sent numerous letter to Experian advising of said information and to no avail have they haven't acknowledged said inaccuracies or deleted said accounts to abide by the FCRA compliance. They just cant verify the accounts by telling me that it has been verified per FCRA 15 U.S.C 1681 ( a ) ( 4 ) when there are clear inaccuracies with supporting document providing such proof. 

Also, how can two debt collection companies XXXX XXXX XXXX and XXXX XXXX attempting to collect on the same alleged debt of {$3700.00}. 

Please see the attached recent method of validation letter sent, certified receipt 's of letter sent to Experian. More so, a screenshot from Experian.com of this account showing the inaccuracies. Also, the mail sent by XXXX and XXXX XXXX XXXX 

This is clear violation of my civil rights and FCRA. Permanently delete said accounts asap for inaccurate furnished data to comply with FCRA guidelines
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 accounts ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX
Product: Debt collection

When the debt occurred in the hospital. I contacted the hospital immediately had them send me paperwork for financial assistance or financial aid. I filled out the paperwork and sent it back to them. That was back in XXXX and XXXX. I contacted the hospital numerous times and I got no answers, and now all of a sudden, it went to a depth collector, which I dont know why I tried to fill out financial aid with the hospital to see what kind of arrangement we can make and the collector calling my mom calling my sister calling me threatening me. Ive been warned and Im gon na be subpoenaed to go to court and action will be taking against me. Theres nonstop calls and they say Ive been warned. I dont appreciate them calling my mother shes very sick and has been in the hospital with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer initiated formal dispute via certified mail with return receipt XXXX, requesting debt validation, as defined by the XXXX. Agency has considered investigation complete and disputed account ( s ) " verified '', however ; inaccurate and unauthorized data is still being reported on the consumer credit report, causing great harm and oppression to the consumer and their family. There has been a persistent failure to comply with the requirements of debt validation by both the debt collector ( s ) furnishing the inaccurate information, as well as the Credit Bureau for allowing this unfair practice to impair my reputation and rightful access to consumer credit.
Product: Credit reporting or other personal consumer reports

TransUnion is still reporting a XXXX XXXX  Bankruptcy on my credit report from XXXX XXXX, 2020. I have reached out and ask that this item be removed because its not accurate. Ive asked for a full investigation on this item and proof that it belongs to me. TransUnion has not provided this proof and they closed my complaint with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, XXXXXXXX XXXX  conducted an investigation which proved the XXXX XXXX XXXX XXXX issued by them was a fraud, and the letter they sent me that I sent to TransUnion stated as such and that the account was removed, cleared my responsibility, and notification to the three credit bureaus. However, TransUnion refuses to remove the hard credit inquiry because it only lists the account as fraud, which makes zero sense because the account being opened required a credit check that caused the hard credit inquiry. I contacted XXXXXXXX XXXX, and they refuse to send a new letter stating permission to remove the hard credit inquiry because they have a " we issue only 1 letter '' rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XX/XX/XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I have been Tring over the last year to get copies of my credit report from Equifax, XXXX, and XXXX. They all say they don't see any trade items on my credit report and I also tried to obtain a loan from a loan company and they said the same thing and I don't understand why this is. I have had credit, and it should be showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX ( XXXX ) Department of Education Loans ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) on my credit report showing to be opened in XXXX and being over XXXX missed payments each. Both of these accounts were opened prior to XXXX and the last voluntary payment on either account was in XXXX. The accounts keep getting fraudulently " reagged '' to keep them on all XXXX  credit reports ( XXXX, Equifax, and XXXX ) even though they were defaulted over XXXX  years ago. Each time the loans get transferred they treat it like a new account and start the XXXX  year reporting window over even though this was without my consent. I have disputed this with all XXXX  agencies and directly with Department of Education ; however, nothing is done to remove them, and the credit reporting companies fail to even do a basic investigation and just rubber stamp and participate in the fraud being perpetrated even though they clearly know it is too old to be reported and is a violation of the FCRA. 

I would like the CFPB 's assistance in forcing the XXXX credit reporting companies to comply with the FCRA. 

Please note I would like to retain my right to bring litigation for damages in Federal Court if this is not resolved.
Product: Debt collection

I had a credit card and line of credit with PayPal through Synchrony Bank that I had fallen behind on payments on in Summer of 2018. I was unable to reach a payment arrangement, but they had my contact information and were able to contact me successfully. 
Somehow, they found the telephone number for my parents ( who live in a different state ). 
On or about XXXX XX/XX/2018, one of their representatives called my parents home, looking to speak to me. My mother asked what the call was regarding, and the representative proceeded to tell her about my account being past due. 
This caused quite a bit of friction between my parents and I and was entirely unnecessary.
Product: Student loan

My student loans were consolidated with MOHELA in XX/XX/XXXX along with my XXXX application. In XX/XX/XXXX I received a notice that my consolidation was approved but that my XXXX application needed revision from my employers. I contacted my employers and asked them to complete and submit the revisions. In XXXX of XXXX there was no change to my application status. After several attempts to contact Mohela and hours-long waiting time on the phone, I was told that my employer information still had not been updated. I again reached out to my employers and resubmitted the application. Since XXXX, I have resubmitted my XXXX application XXXX more times along with employer information. I also have submitted the IDR income-driven repayment application 3 times along with updated pay information. Despite all my efforts and numerous phone calls, none of my applications have been updated by Mohela. When I last contacted them in early XX/XX/XXXX, they stated that they were going to place me in administrative forbearance while they process my XXXX and XXXX applications. However, My account states that I owe a payment of {$420.00} due XX/XX/XXXX ( more than XXXX the amount stated in the XXXX application ). I contacted Mohela again by phone on XX/XX/XXXX ; again, they stated that I was in administrative forbearance and that I did not have a payment due ; they stated they would correct the amount due on my account profile. As of today XX/XX/XXXX, my account balance still shows an a payment of {$420.00} due XX/XX/XXXX. My payment amount, loan balance, and XXXX qualified payment months are all incorrect. While I am waiting for Mohela to correct these problems, I am being charged additional interest for an incorrect loan balance.