23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : US BANKRUTCY- XXXX To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX XXXX Bankruptcy XXXX XXXX 
Appalled by that information, I went directly to ( XXXX XXXX Bankruptcy Court ) and in response to my inquiry they claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. 
I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 
I have enclosed letters FROM BOTH XXXX BANKRUPTCY COURT for your inspection. Please DELETE this item from my credit report as it is NOT verified! 
The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 
Please send me an updated copy of my report once the bankruptcy is DELETED.
Product: Student loan

On XX/XX/18 called Navient to attempt to reduce my monthly payment. My usual monthly payment was about {$320.00} a month. I could no longer afford to pay it so I called to lower the payment. When I called there are two different Navients. There is the Navient that handles account information and the Navient that handles the transactions. No matter what the call is about the 1st Navient always has to transfer to a second Navient to handle any transaction, which the first Navient is always unaware of, or can't see any of the information the 2nd Navient does.

So I proceed to speak to a representative from the 1st Navient. After requesting to lower the payment, they transfer me to the 2nd Navient. The 2nd Navient representative goes through the financial process and they were able to reduce the payment to {$220.00} per month for 9 months on automatic payments. I asked if they could lower it to {$200.00}. The representative said no, that's the lowest they could go. I continued to ask about if I made a monthly payment a few days earlier than the due date would that settle the payment for that month. The representative told me no, it would be added towards the principal balance. ( The is the first time I have ever heard of a company that sets up automatic payments and does not allow a customer to pay early and still initiate an automatic payment for that same period. ) Ok so I rolled with it and the payment plan was processed. I finished with the representative and was waiting for my confirmation. The 2nd Navient representative said he was emailing the confirmation. I waited about 10 minutes and the representative said that I should receive an email in a few minutes and he got me off the phone. I waited and nothing came. I waited 24 hrs and called back on XX/XX/18.

I called back the 1st Navient requesting the confirmation to the payment plan and again was transferred to the 2nd Navient. The 1st Navient had no idea what I was talking about and had no information on the transaction. After being connected to the 2nd Navient I was shocked. The 2nd Navient representative told me I wasn't approved. I asked how could that be when 24hrs before I was approved by the same 2nd Navient. They said I wasn't approved based on my credit. I was never made aware that there was a credit check involved. There was no indication by the previous representative on the XX/XX/XXXX, that there was a credit check, nor did I approve Navient to run my credit for this process. 

So the representative proceeded to tell me that they were sorry and I had to pay the entire balance for that month. ( $ XXXX+ ) I told them I couldn't afford it and would not be able to make the payment. They said I could afford. After pleading, the 2nd Navient representative told me that they could lower the monthly payment to {$200.00} only if I would extend my loan for 8 years at % 4 interest. In was furious. Extending the loan 8yrs at 4 % interest would add about a third of the loan on top of what I owe. When I asked the previous call to pay {$200.00}, I was told no. Now that they figured a way to entrap me, they expect me to agree to the worst terms.
Product: Debt collection

I got notification through my bank about negative activity on my credit report this morning. This is the first I known about this debt. I received no communication in regards to this. I called the third party collection agency, and my address they have on file is incorrect and they stated they called me on XXXX at XXXX I pulled my phone records for that day and I received no calls from the numbers they provided. I asked to speak to the manager his name was XXXX would not provide last name. I asked him that I could email him my utility bill as well as phone records for that day. He was not pleasant and said it would not make a difference. I asked him to pull the phone call if they are recorded and said I would have to subpoena it. I did some research and it was a medical bill for {$98.00} and they charged additional {$100.00} to collect the debt with recurring interest. The medical office also had incorrect address on file. I was never aware of this bill. Its not my character to neglect my bills. I have perfect credit and never missed a payment for the last 25 years. This third party collection agency is unreasonable. 
Companys name Plus Four Inc XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to the credit bureau XXXX, XXXX, Equifax On XX/XX/2024 And they have not removed the information, different addresses are still on my report from XXXX, Equifax, and XXXX charges that doesnt belong to me. I am not given these companies more time to figure this out. And they need 60 days to do so. This must be removed and deleted now. I did everything that was asked of me. I keep getting the run around. I came to you and expecting you to enforce the seriousness of this. Its holding up my credit and the ability to due something. I wrote in what was wrong and I provide everything in writing as well. If something is not done I will be suing them. Im connect the Attorney General next. They have exactly 5 more days to remove the negative items on my report and update my personal information. Only one address on all reports to be showing, no previous address whatsoever. This is final
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

The CFPB NEEDS TO INVESTIGATE THIS NOW!!! This is in rebuttal to case XXXX. XXXX XXXXXXXX XXXX is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX and XX/XX/2020!!! They clearly know I had XXXX in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! 

They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX Account! 

I almost died from XXXX AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON XXXX XXXX CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! 

I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! 

OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 5 to 7 years there has been over XXXX hard inquiries on my credit report of which I am responsible for XXXX to XXXX, the most. The rest has been the actions of thieves with my social sec number, using variations of my name, addresses, false most of them, and bogus phone numbers, all that in the island of Puerto Rico. I am currently living in another state and communicated the issue to trans union the agency running most of the bogus inquiries. Their answer was to call and write the numerous banks, car dealers and financial institutions where the inquiries were made. I did but to my surprise, the answer I got from all of them is that they have no record of an inquiry, not records of my social sec number or name. Even the false names and addresses that appear on my report were not recognized. Worst is that in the end I am stuck with a bunch of inquiries that I did n't do, my score is affected miserably and trans union keep sending me to the same lenders and service providers that already told me they have no inquiries under any name or social sec number that I provided to fix the problem. However, to be fair with them, they did process a security fraud alert very quickly and took a bogus account under my name out of the report. The options I have to fix that problem is wait 2 years after each inquiry to be taken out and that for me is simply unacceptable. Any way you can help me will be much, very much appreciated.
Product: Debt collection

Exeter finance charged off my account but its still on my credit report. I called and asked for a 1099 C they told me they haven't charged it off
Product: Money transfer, virtual currency, or money service

I am owner of an XXXX and XXXX XXXX - XXXX XXXX of XXXX in XXXX, FL. XXXX.Phone number XXXX XXXX XXXX. 

On XX/XX/XXXX we were duped by an erroneous person pretending to be the real estate agent by email for funding of the sale of a property at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The money was wired to a Bank of America Accoun at XXXX XXXX XXXX, XXXX, TX with the name of XXXX XXXX XXXX XXXX XXXX. The checking Account number was XXXX XXXX XXXX and the routing number was XXXX. 

The wire was initiated at XXXX XXXX. At XXXX XXXX we called our bank XXXX XXXX to report the incident and to stop the wire. Right after that the wire department at XXXX XXXX was calling Bank of America and trying to stop the transfer. 

At the same time a complaint was also initiated by us to the FBI. Which will be included if we can upload a copy of the complaint. 

Until now Bank of America will not confirm to our bank as to where the funds are and any details of what has transpired. They just keep telling us that it will take 60-90 days to complete the investigation. 

It is now the XX/XX/XXXX and over 30 days from the incident. In the mean time the seller has initiated a lawsuit to recover the funds from us. Please advise us as to why Bank of America will not contact us and give us information on our funds.
Product: Mortgage

SN Servicing Corporation has informed me that XXXX XXXX XXXX XXXX XXXX, as Trustee of the XXXX XXXX XXXX XXXX is the current holder of the note and the mortgage. 

I am requesting that you provide me an electronic copy of my pay-off letter to reflect charges as of XX/XX/21 The property address is : XXXX XXXX XXXX XXXX, XXXX XXXX Please send the electronic copy of my pay-off letter back to me via the CFPB website with your response. The sooner I get the electronic copy of the pay-off letter the better. 

Right now I have a party very interested in the property and don't want to loose them. 

I have attached the letter from SN Servicing Company Please act ASAP Thank-You
Product: Credit reporting, credit repair services, or other personal consumer reports

J.P. MORGAN, CHASE BANK N.A. IS A FURNISHER TO XXXX XXXX XXXX XXXX ( XXXX ). XXXX IS A VENDOR OF CHASE AND CHASE IS A PART OWNER OF XXXX. XXXX IS A CREDIT REPORTING AGENCY FOR CHECKING ACCOUNTS. 

QUESTIONS THAT REMAIN UNANSWERED BY CHASE ACCOUNT WAS CLOSED ON OR ABOUT XX/XX/XXXX : WHAT WAS THE DATE THAT CHASE REPORTED TO XXXX? 

WHAT WAS THE REASON THAT YOU REPORTED TO XXXX, WHY? 

DID YOU PROVIDE TO ME ( CONSUMER ) A NOTICE OF ADVERSE ACTION TAKEN, BEFORE YOU REPORTED TO XXXX? 

IS CHASE BANK LEGALLY REQUIRED TO REPORT TO A CRA OR IS IT VOLUNTARY? 

CHASE HAS REPORTED TO XXXX A NEGATIVE ACCOUNT CLOSURE, WHAT WAS THE NEGATIVE REASON? 

WHY DID CHASE REPORT TO XXXX AS OPPOSED TO THE OTHER CRA 'S? 

CHASE REPORTS TO XXXX AT LEAST EVERY 30 DAYS, AND CHASE HAS BEEN REPORTING TO THE CRA XXXX FOR 10 MONTHS AS OF XX/XX/XXXX WHY? 

CHASE HAS IN PROMISED ( VIA SEVERAL LETTER ) TO REMOVE THIS REPORTING FROM XXXX, WHY HAS IT TAKEN 10 MONTHS AND COUNTING?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 92 days ago on XX/XX/2023. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
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 U.S.C 1681 XXXX XXXX XXXX has violated my rights. 

*15 U.S.C 1681 Section 602A states : I have the right to privacy.

*15 U.S.C 1681 Section 604A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions/consent.

*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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The collection firm is Nelson & Kennard operating out of XXXX, CA. 

I initially discovered something was wrong when I logged in to my bank account and discovered that my balances for checking and savings were zero. Upon looking at my transaction history, I discovered that my entire balance on both accounts had been taken out on a legal order. 

Upon contacting my bank, I was given a phone number which led me to the aforementioned firm above. They told me that I owed a debt of around XXXX XXXX dollars to XXXX for a car purchased back in 2004. I am only XXXX XXXX XXXX and would have been XXXX at the time this vehicle was purchased. I tried to explain this to the firm and they asked me to send them images of my driver 's license, social security card, and to write my signature five times. I did all of this and they still told me that I would have to wait for a fraud packet to be mailed out to my house so that I could fill it out and mail it back before they could take the " next steps. '' I do n't understand how they could have pulled all of my money out of checkings and savings for a debt that I have clearly proven that I could not have even accrued. I do share a similar name to my biological father, who left my family when I was young and has been known to try and use my name in the past ; with the only difference being that I have XXXX as my suffix. I do n't see how it is even legal for this firm to have withdrawn all of my money without even notifying me of it first. 

On top of that, I still have bills due that I am now unable to pay because of this debt that is not mine. My account balance has already been thrown in the negative and on top of that, the firm also appears to have charged a non-refundable {$120.00} legal fee which is absurd. There is no reason for me to not be able to get that fee back when this is not a debt that is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I enter into an agreement with Freedom Debt Relief to communicate with my creditors and discuss any and all details of my financial situation. 
XXXX XXXX * XXXX  XXXX * XXXX XXXX  * XXXX XXXX ( XXXX different accounts ) On XXXX I signed an agreement for Freedom Debt Relief to begin negotiating settlements of my debt obligations. We also set up a Financial Hardship Statement. 

XXXX I established an ACH debit from my account for {$690.00}. The payments were establish to be deducted bi weekly with me paying {$320.00} twice a month. 

XXXX I received a letter from Freedom Debt Relief stating a settlement was approved with XXXX XXXX for the amount of {$3600.00}. 

XXXX I received a letter from Freedom Debt Relief stating a settlement was approved with XXXX XXXX  for the amount of {$1800.00}. 

XXXX I received a letter from Freedom Debt Relief stating a settlement was approved with XXXX XXXX for the amount of {$10000.00}. 

XXXX I reviewed my Freedom Debt Relief account and noticed I had deposited {$22000.00} into the Freedom Debt Account, which exceed the settlement amount by {$6900.00}. 

XXXX I print a copy of my XXXX  Credit Report and noticed the accounts XXXX XXXX, XXXX XXXX   and XXXX XXXX accounts were closed and charged off due to non payment. 

On XXXX I called Freedom Debt Relief and talked to a Customer Representative name XXXX. When I asked about my accounts not being paid, his only response was I had not accumulated enough funds in my account to pay all of my settlements. 
I asked how could that be if my account summary clearly states I have deposited {$22000.00}.
Product: Credit card

I purchased a treadmill through AFFIRM..I have sent numerous pics, videos, and screenshots trying to contact XXXX XXXX and his staff and XXXX XXXX. The treadmill is defective. I made a dispute with Affirm for them to only say sorry but you must pay!
Product: Mortgage

In XX/XX/XXXX BSI Financial purchase my loan from XXXX XXXX for servicing the home loan ; On XX/XX/XXXX while preparing my financial plans, I was notify by another financial institution that my homeowners insurance with XXXX XXXX had lapse and my account was closed due to none payment from my Mortage servicer BSI Financial, XXXX inform me that they have not receive any payment this year ; Upon learning this new found information immediately contact BSI via telephone, Voice messages, and Email no response; knowing this information I went on online to the XXXX XXXX XXXX Tax Collector, my.property taxes has not been service, paid, either by BSI ; I try to reach out again to BSI they are not answering there phone or responding to my inquiries. BSI Financial Service is in violation of the Consumer Financial Protection Act of 2010, the Real Estate Settlement Procedures Act, or the Truth in Lending Act by : Inadequately overseeing service providers resulting in untimely escrow disbursements to pay borrowers property taxes and homeowners insurance premiums.
Product: Checking or savings account

I opened a checking account with Wells Fargo, and i wanted todeposit acheck that was in my name.. They said i could come back next day to withdraw some money out.. Myself n daughter n her friend went back next day in afternoon to withdraw cash out, after doing so we ate lunch n got a text message from bank saying it was fraud and the bank froze my account .. Didnt rexieve a debit card in for like 5-7 days from them.. I was told to call this number about this fraud that appeared on text messages .. We called the number n was put on hold for long tome .. We ended up going back to Wells Fargo and to ask questions of the text message i had gotten.. The bank looked at the text messagges on my cell n then looked at each other ( Tellers ) then said we cant do nothing cause the text nessage had froze your account. Told them i just opened one account yesterday n now you freeze my account? Let me have my mkney i told them .. they refused saying my account of new was frozen.. I called the same number on text i recieved day before n the fraud number i called they had said j had no fraudelant on my account i just opened two days before n yet bank lied said my account was frozen whdn it was not. Then i got my card in mail debit card fromwells fargo, had went to XXXX to huy food n stuff for my daughter, again wells fargo had froze my card saying it was fraudelant n called the njmber once again from first fraud message n guy told me my accojnt will be closed by XX/XX/ 2022.. They made me feellike i was criminal and had no fraud on my account whatso dver.. I went into bank wells fargo n withdrew all my cadh i depiosited nclosed my account after breakibg down feeling like i was some kknd of criminal .. Never again with this bank Wells Fargo XXXX They also said once
Product: Credit reporting or other personal consumer reports

I have disputed this account because it is not mine. XXXX XXXX  card account # XXXX It is not my account and has never been my account, the address on the account will verify it does not belong to me.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have paid the debt. It was already removed from my XXXX but has not been removed from my XXXX