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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my credit report and noticed some things are incomplete and not accurate. And 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 ). 

And according to 15 USC 1681i 5 they are suppose 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. 

and according to 15 USC 1681s-2 they are supposed to 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.

As you can clearly see with my attachments, your agency is reporting illegally on my credit file. I am prepared to sue you asap If you do not delete these two erroneous accounts off of my credit file immediately as there is NO BANKRUPTCY being reported on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX I own has been closed by the company due to being over the limit. I attempted to make a payment to satisfy the overage but they refused it. They stated the balance had to be paid in full. I expressed to them that I couldnt sue to economic hardship during our current conditions. Therefore, I agreed to pay the minimum of {$100.00} on its due date of XX/XX/XXXX. Unfortunately they didnt process the payment since my account was revoked internally. I received notification to make a payment, which prompted me to call them. It was explained to me that due to the revocation the payment couldnt be processed via ACH. A supervisor got involved, she then removed the revoked status to finally accept my new payment of {$200.00}. Lastly this payment went through successfully, however this company submitted a late payment on my credit. Today, I spoke with three individuals to get this fixed. Ultimately a customer relations supervisor named XXXX assisted and stated that she would call me back and I got no resolution or call back. They need to assume responsibility for this as I am working hard to pay them and repair my credit. I have no control over this company revoking my account and refusing payment. Its unfair to make a late report on my credit when they are responsible.
Product: Student loan

I attended this school for a program which was supposed to be almost a 2 year program the school was paid the entire amount of the program which makes no sense i then had car problems when my car broke down and was not repairable i had to get rid of the car get a transffer from my job back to XXXX I could not finish the program the entire amount of the payment was kept by the school i was never refunded anything money I have tried to work something out with navient other then getting harrasing phone calls and no assistance they tried telling me I could sue the school and try to get my money back. I was not able to complete my course I was only able to attend about 4-6 months of the program
Product: Debt collection

There are XXXX accounts on my credit report that are not mine. The creditor claims to have sold them and can not provide documentation, but still refuses to remove them.
Product: Debt collection

on XX/XX/2018, I received a notice of assignment from a company called resurgent capital claiming i owed money to them from a debt from XXXX XXXX. I responded with a letter on the same day via return reciept certified mail. I requested they provide proof of this supposed debt, and also stating that i was disputing this debt. They responded on XX/XX/XXXX with a letter dated XX/XX/XXXX, stating i had to inform them in writing ( which i already had ) that i dispute this account. I responded that day with another letter stating i had already in fact disputed this supposed debt and that by sending me another request for me to put something in writing, they had violated florida debt collection practices, two days later they sent me a generic statment of account from there own computer system, attempting to pass this off as proof of this debt. I responded this morning, andd informed them that since they are unable to provide proof they are to cease and desist immediatly from contacting me or attempting to collect on this supposed debt. theey have violated the FDCPA by calling my husband on his cell phon regarding this debt and have failed to provide any proof of this supposed debt.
Product: Checking or savings account

Zions Bank Corporation is one of the worst banking companies that I have interacted with, and I had been a customer with XXXX XXXX and was scammed by them. Zions Bank is nothing but a scammer to their customers, trying to scam XXXX  of dollars from their customers. 

On XXXX  XX/XX/XXXX, I deposited a check for {$2900.00}, at the XXXX XXXX XXXX. When I deposited the check there were several items that were pending processing and had not been processed through. But I had a current balance of {$2100.00} in the account. XXXX  XX/XX/XXXX, I get notification that my account has been overdrawn and that I am being charged fees, and that XXXX of the items that was listed as pending processing has been returned, because of insufficient funds thus costing me more fees and penalties, because Zions Bank can't get their act together. XXXX  XX/XX/XXXX, I checked my account balances online and it shows that I still have a negative balance in my account yet it shows that all transactions have been processed, and the running balance of the account is {$2900.00}. 

It is apparent to me that Zions Bank has forgotten who has gotten then where they are today. I am to XXXX XXXX that I am filing a complaint not only with Zions Bank, but with FDIC, Consumer Financial Protection Bureau, and with XXXX XXXX XXXX XXXX for the way that my accounts and myself have been treated by Zions Bank. It is very obvious that Zions Bank Corporation, is just like XXXX XXXX and other big banks, in that they want to scam customers of their hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account still shows up on my credit report and it is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, XXXX, CITICARDS CBNA, and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX   XXXX, XXXX XXXX, XXXX, CITICARDS CBNA, and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to assert that I have no ownership or liability for the alleged debt referenced in your recent communication. This letter serves as notice of estoppel, based on the principle of estoppel by silence and your failure to provide sufficient evidence of the debt 's validity. 
Account Details : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$750.00} I have received correspondence from your agency claiming that I am responsible for the aforementioned debt. However, I dispute the validity and accuracy of this claim. Despite my requests for supporting documentation and verification of the debt, you have failed to provide any substantial evidence linking me to the alleged debt. 
I HAVE NOT SUPPLIED PROOF UBDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I PRESSURE THAT NO PROOF OF THEIR ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. I HAVE NO OWNERSHIP OF THIS DEPT. I NEED IT TO BE COMPLETELY DELETED. 
The principle of estoppel by silence applies in this case, as your repeated attempts to collect on a debt without providing proper validation or ownership verification has created a reasonable expectation on my part that no such debt exists or that any potential debt is not enforceable against me. 
Therefore, I hereby assert my rights under estoppel and insist that you immediately cease all collection efforts, remove any negative remarks or entries related to this alleged debt from my credit reports, and confirm in writing that no further collection activities will be pursued against me. 
Failure to comply with this notice of estoppel may result in legal action being taken against your agency for violations of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 
Please consider this matter seriously and respond in writing within XXXX days of receiving this letter, acknowledging the application of estoppel and confirming that all collection activities will be halted. 

Thank you for your prompt attention to this matter. 

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

Hello, my name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX FL XXXX, which is in XXXX XXXX . I am writing this complaint because Equifax , Inc. is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Equifax credit file of XXXX XXXX XXXX , Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY FINANCIAL XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX HOME FURNISH XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XX/XX/XXXX NO RESPOINSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN COTNACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION ALLY FINANCIAL XXXX, XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX  XXXX, XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX NO RESPINSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONCTACT ABOUT INQUIRY WITHOUT AUTHORIZATION CONSUMER XXXX XXXX  XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX. XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX which is a Debt Collection Agency is reporting an inaccurate date of first delinquency from the original creditor on my XXXX, XXXX, and XXXX credit reports. 

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

The accounts listed below are reporting inaccurately and MUST BE removed because they do not belong to me. It is preventing me from obtaining gainful employment. If the credit bureaus do not remove these items I will file a lawsuit. fraudulent items : XXXX XXXX  XX/XX/XXXX {$200.00}, XXXX XXXX XXXX  XX/XX/XXXX {$3100.00}, XXXX XXXX  XX/XX/XXXX {$160.00}, XXXX XXXX  XX/XX/XXXX {$500.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00} ; 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian Credit Report XXXX XXXX XXXX  reported me as deceased since XXXX 2022. I AM NOT DECEASED. I have disputed this with the credit bureau and it is still NOT fixed. My ex husband is deceased. This is affecting me tremendously because I have no credit score and when I do get checked for employment I am coming back as deceased.
Product: Mortgage

I applied for forbearance at the beginning of the pandemic. I am behind on 16 payments which amounts to just over {$60000.00}. When we were approved for the forbearance, we were told by the lender that the delinquent amount during the forbearance period will be added to the balance of the loan. After submitting the loan modification application per the lender 's request, they are not providing me with any home retention program as they say I was not approved for any and the only options provided to me are pay balance in full, short sale or deed in lieu. 
I am not able to pay the balance in full at this time but I am able to resume making the regular monthly payment and would like to keep the house as I am a senior citizen and this is our primary residence. 
Your response and help is very much appreciated. Thank you
Product: Credit reporting or other personal consumer reports

Filed and attempted multiple disputes on XX/XX/XXXXXXXX XXXX XXXX  hence no reply or action by company. I have filed dispute over inaccurate information listed on my credit report. I have waited over 30 days and tried to give XXXX, XXXX and Equifax a opportunity to resolve this issue. I filed a re-investigation, and still no lawful response from XXXX, XXXX and Equifax. XXXX, XXXX and Equifax has chosen to violate and ignore the statues of the Fair Credit Reporting Act pursuant to [ 15 USC 1681s-2-b ( ii ) ] and [ 15 USC 1692 ( e ) 8 ( 2 ) A ]. I have legal documentation of my attempts to have inaccurate and false information removed.
Product: Debt collection

Jefferson Capital s ystems is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or  XXXX   ) t his action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.      Jefferson Capital s ystems are in violation : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry placed on credit file. Company failed to comply with requested Validation of signature.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App because of their inadequate customer service and unfair practices. This is a direct violation of Consumer Financial Protection Act ( CFPA ). Cash App has failed to take timely and effective measures to prevent nor address fraud on their platform leaving accounts like mine vulnerable. When it comes to dispute resolution is very deceptive and unfair to consumers as they don't comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. the actions of Cash App have caused significant inconvenience and financial loss, i am seeking appropriate redress for these violations.
Product: Checking or savings account

I've just spent the last 3 hours at a Bank of America branch at XXXX XXXX and XXXX in XXXX XXXX, Ca. The business transaction that I initially visited the branch to complete was not accomplished in a timely manner due to my Business accountnot being labeledproperly. I opened XXXX XXXX ) business accounts online in XX/XX/2020. I sent all required documents showing me as the business owner. Today, I went into the branch to process a wire transfer. Upon attempting to verify my information as the business owner, I was advised that the account was owned by my spouse and I was listed as an " employee ''. Once I pointed out the direct deposits received are paid to the order of myself and ( not ) my husband, she understood but did not attempt to offer a resolution thatwould resolve the mistake made by " the back office ''. I've spoken with business banking over the phone on numerous occasions and was never advised that I was not the owner of my accounts. 

Then, I was advised that I would not be able to proceed with my businesstransaction unless my spouse visited the branch in person. So, I stated the account should not have initially been in my spouse 's name, seeing as though he is " not '' on any of the corporation paperwork. I also had to advise them that I am a XXXX business owner and I did not feel comfortable with continuing to do business with your bank or entrusting any additional business to their banks. 

I own a residence near this location and was considering refinancing my home and cars with your bank. I no longer have faith that their banks will securely handle my securities. In my 25 years of customer service experience, never would I imagine going through this type of ordeal and exhausting ( 3 ) hours of my day attempting to fix the issue and wire funds. 

Your immediate attention to this matter is appreciated. 

Best Regards, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, ILS ( XXXX ) XXXX
Product: Debt collection

I tried dispute this due to not knowing what to is debt is for and the company states otherwise they can even tell what it is for
Product: Mortgage

We have been set up to fail on this mortgage from the get go! I have been working with XXXX XXXX at Rushmore Loan Management to save my house and the only solutions I have gotten are loan mod trial payments that are increasing my payments instead of reducing them. A year ago I lost a $ XXXX job. I was out of work for 2 months with no income and only my wife 's {$55000.00} income. I asked for help and was told to do a short sale as Rushmore deemed I couldn't afford the house. I then got a job with a salary of {$55000.00} to match my wife 's. We get approved for a loan mod trial payment that is about the same amount as my current payment!!! ( The one that is already too high! ). Well they set up the mod trial payments to begin immediately a week after requiring me to come up with {$2000.00} down payment so immediately we are gon na run behind because they didn't calculate the extra month and give us enough time between payments. C'mon really???? That is just setting us up to fail! We did, we were never able to stay current because we started out delinquent on it. So I go get another job that pays more - {$60000.00} back at my old employer XXXX and I again petition for some relief on our payments and we get approved again. Again I had to come up with another {$2000.00} down payment and again was given only 7 days to make the 1st trial payment of get this {$2000.00}!!!!!! Again we started out delinquent on the trial plan - well now we just received the 10 day letter that the plan is being canceled because we fell behind! You started us behind and again we were set up to fail! OK we lost {$28000.00} income and now our mortgage payment gets raised another ball park $ XXXX. We are asking for a lower payment not a higher payment!!! Then I get told at least it will bring you current!! So we can default on the higher payment again. The idea is to fix it right the first time. I also was told if I can manage to pay it for 1 year on time we would be eligible for a refi. No one is gon na refi us with our credit like it is! 

We offered to pay $ XXXX for the house and was told not enough. That is 25 % of our net monthly take home pay. It would be on time every month. My wife does XXXX XXXX at XXXX ( she is an XXXX ) and they offer numerous alternative mods where they balloon balances on the back end to hit an affordable payment. They also set payment structures temporarily for say 60 months at reduced payments to help people get back on their feet and save their house. We have been offered no interest rate reduction, no term extension, no payment reduction. No nothing except pay more and the payment goes up, up, and up. It is almost as if Rushmore wants us to fail so they foreclose on our home of 11 years. 

We can pay and want to save our house. Please help us and please stop raising our payment so high it is un-affordable to us.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am reporting a fraudulent Inquiries found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 I returned XXXX XXXX XXXX XXXX merchandise using their return labels they sent me. Then a creditor open a collection on Trans Union I upload the documents and the collection was deleted .Then another creditor open a collection I uploaded documents to the creditor directly it was deleted. Now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX open a collection then I disputed to Trans Union since I already uploaded the documents to Trans Union .Trans Union did not delete the dispute. I called they said they have it but I need to resend again in another dipute I don't think I should not have continue this process every two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reluctantly consolidated student loans in XXXX. At the time, the interest rates were extremely high, and remained the same throughout the entire loan. I have had extreme duress trying to keep up with simply keeping information current. Repayment options were vague at first, then in XXXX, I was seemingly forced into another loan ( closure of one, opening of another ) for better terms. During the process, I was assured my credit would not be affected negatively ( XXXX ) and prior to that, in XXXX, I had a defferment/forebearance that recently started showing negatively on my 'closed ' loan. Why all of the sudden the negative filing seems amiss. I filed a dispute with the three credit reporting agencies, the first to respond as XXXX, and in the response, it showed further supposed deliquencies ( XXXX ) then had been showing prior to my credit reporting dispute. While I do not agree with the practices of Sallie/Mae-Navient, it is a monopoly and I am driven by their policies and misreportings. My credit, is impeccible, aside from their mis-reportings and it is causing true duress to my current financial ability to prosper similar to those without Student Debt.