23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

In  XXXX   2017 I pulled  my credit report for all   XXXX   bureaus to find an  open   XXXX   XXXX   XXXX   ac count that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 ( s igned for o n  XX/XX/2017  ) to   the provided address on the report asking the company to please send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX ,    2017 the co mpany sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after 3 1 days I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 ( see att ached ) signed for on   XX/XX/2017  as king them to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my original l etter therefor violating the Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has be en almost 60 days and the notice still does not appear on my consumer report nor has the company responded to my lette r s to provide evid ence.
Product: Mortgage

My home is in foreclosure. 
In XXXX of XXXX, SLS Mortgage was sent an offer for the purchase of my home, with an approved buyer who had the funds ready. An offer of {$340000.00} was made. The company said the offer was too low. They also advised the house was worth {$410000.00} after they had done an appraisal. An offer was made of {$390000.00} based on all the repairs that would be needed and the fact there is a halfway house across the street from the property. 

The buyer 's lender had the house appraised and came in with a value of {$390000.00}. 

At the end of XXXX, they said they would've accepted the offer of {$390.00} if we would close by XX/XX/XXXX. There were other appraisals that needed to be completed by the buyer 's lender so we were not ready until XX/XX/XXXX. 

SLS advised me that they would not approve the offer until I went to court and used my last adjournment. After I used my last adjournment, I received word from SLS today that they are going move forward with the foreclosure. 

I have been given a runaround and all sorts of misinformation every time I call them. They always say they didn't have the right paperwork or something ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The following account is not mine. Please remove from my credit account. Thank you. 
XXXX XXXX XXXX The following Inquiris were not made or authorized by me. Please remove from my credit account. Thank you. 
Inquiries : XXXX XXXX XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX, 2018 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insura nce C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible  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  Please remove these inquiries from my credit report immediately
Product: Credit card or prepaid card

I have been going through financial hardship for sometime since the pandemic. I have been struggling to the point where today, XX/XX/XXXX I called my credit card company, Bank of America to ask for forbearance on my credit card payments. I asked if they would suspend my payments for approximately six months or less. I have decided to place my apartment on the market for sale. Actually its been already on the market for a few months, but because interest rates are so high, sales have been slow. I am also offering my apartment for rent. My apartment has substantial equity in it and I would have no trouble paying them back which I explained to them. Unfortunately they flat out rejected my requests. 
I am XXXX XXXX years of age and they are obviously discriminating against me because of my age in violation of part B of the ECOA Law. On their website that I have been using for sometime, there is a section on payment assistance which I will attach, It says WE ARE HERE TO HELP IF YOU NEED PAYMENT ASSISTANCE.Notice on this document there is no option to send a message, only to call, which means Bank of America wants nothing in writing. Bank of America is not here to help especially is one is a XXXX XXXX year old woman. I unequivocally state that I have had a relationship with Bank of America since I first took out a HELOC loan from them on or about in XXXX. Then I opened some credit card accounts at their urging. I have never been late on my payments to them. Bank of America claims I had one thirty day late in XXXX which I disputed. The fact is in my entire life other than this incorrect thirty day late I never had a blemish on my entire credit reports ever. For them to deny me a short forbearance period is discriminatory and disgusting especially for a valued customer that they insist I am.
Product: Other financial service

Nicholes Financial Inc is reporting a Charged off account on my consumer report and is still trying to collect on said account. That will not provided me with the original contract nor statements of accounting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mountain Land Collections is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt on my credit file. I called immediately to inquire about what it was for because the debt was not mine. I never received any phone calls, collection letters, or notices about this debt and I'm pretty sure this violates my 30 day right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act First Premier Account ending XXXX and XXXX XXXX XXXX account ending 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Below is a list of hard inquiries not authorized by me, to be deleted : XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous three attempts to address issues on my credit file, specifically the correction of late open accounts and the removal of a charge-off. The presence of these incorrect late open accounts and the charge-off on my credit report is severely impacting my financial standing. It is crucial that immediate action is taken to rectify this situation and ensure the accuracy and integrity of my credit report. Despite my earlier correspondence, these inaccuracies have not been resolved, causing ongoing and significant distress. 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your continued failure to resolve these issues is unacceptable and constitutes a violation of my rights under the FCRA. With this, I am asking for your assistance to remove the fraudulent items : XX/XX/XXXX XXXX XXXX XXXX, FL XX/XX/XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$2600.00} ; XX/XX/XXXXXXXX Balance : {$8700.00} ; XX/XX/XXXXXXXX Balance : {$20000.00}.
Product: Credit card or prepaid card

On XX/XX/2022 I initiated a dispute through Capital One against a merchant over a missing refund of {$1000.00} from XXXX. XXXX charged me a restocking fee of {$420.00} for an item that they had failed to cancel and then also deducted an additional {$620.00} for unknown reasons. When I initiated the dispute I explained that I had originally attempted to process this dispute through XXXX, who had both given and reversed a provisional credit- I also noted that both transactions were visible on my Capital One transaction history. On XX/XX/XXXX, Capital One sent a communication stating they needed additional information. After speaking with a Capital One customer service representative, and again explaining the provisional credit given and taken by XXXX, the representative stated that I needed to provide a letter stating I would like my claim reopened and an explanation of the credit. 


I provided this document originally on XX/XX/XXXX which contained both my written confirmation to reopen the dispute, but also screenshot proof of the credit being given and reversed by XXXX. 


On XX/XX/XXXX I called Capital One to get a status update and was told they never received my document. At that time I, again, explained about the provisional credit and, again, provided the same document from XX/XX/XXXX. 

On XX/XX/XXXX I received a communication from Capital One stating that " While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. '' After receiving this communication I immediately called Capital One and, again, explained what was going on. The customer service representative I spoke with took a look through my file and determined that I had provided what was asked. Near verbatim, the representative said that there was no other documentation that they had asked for and nothing that I had failed to provide. 


After confirming that I had provided everything requested, the representative then stated that Capital One could no longer continue my dispute. The representative stated that since I had received the communication stating that I had not provided everything requested, that my only recourse left was to communicate with the merchant directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

XX/XX/XXXX I paid off my mortgage. I have called and was promised multiple times that I would get the paperwork for my mortgage. 

The latest call XX/XX/XXXX, I was told that the mortgage info for XXXX was not legible and that they requested a clear copy. I was unsure of this since XXXX has been Nation Star for  some time, buying out my mortgage. Now they renamed to Mr. Cooper, I was sent documentation of the loan payments being received.
Product: Debt collection

XXXX XXXX to Midland Credit Management , Inc . 
Original Creditor XXXX XXXX XXXX ( in partnership with : XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Outstanding balance USD XXXX
Product: Debt collection

Receivables Performance are claiming I owe {$650.00}. They haven't sent me any information to verify this presumed debt even after requested this information Mid XXXX of 2019. If they can not provide proof I owe this debt I demand this be removed ASAP.
Product: Debt collection

Debt still remains unverified, and Convergent Outsourcing is still reporting as validated debt to credit bureaus.
Product: Money transfer, virtual currency, or money service

I'm writing to formally voice my concerns about Zelle 's dispute resolution process, especially in view of the recent CFPB complaint that brought to light serious problems with the platform. Despite my repeated use of Zelle and my reporting of inconsistencies, neither Zelle nor my banking institution sufficiently looked into my claims. They told me that it was impossible to track these transactions and to reclaim lost money. According to the CFPB 's findings, Zelle has not only failed to safeguard customers but has also let repeat criminals to take advantage of the system, making users susceptible to fraud. This lack of transparency and accountability is intolerable and poses major risks to consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan through Credit Acceptance when my vehicle was totaled in a crash. I continued to make the monthly payments on-time each month until the loan was paid off. Credit Acceptance is incorrectly reporting a negative pay status on my credit report. This is the only account on my credit report that reports as a collection/chargeoff with a derogatory account status. When I called them they refused to change the reporting status on this paid account which causes me to be denied for new credit.
Product: Credit card or prepaid card

it was about my business and i was using to pay my bills and try many time to remove the from my credit .i am not able to refinance my home because of the credit score and it effect my whole life because my wife lost her to jobs with a family of 5 peapole i am not able to make a payment,
Product: Student loan

Since XX/XX/XXXX, I have taken part in the great government program Income Based Repayment paying $ XXXX/mo, which is wonderful and affordable for a family of XXXX with XXXX kids in daycare. Right on, XXXX XXXX! 

Suddenly, the other day ( XX/XX/XXXX ), I see a withdrawal for {$460.00}. What? I check my email and don't see anything in my email ALERTING me to the fact that I need to reapply for the IBR. Rather, I see two generic emails : 1 ) one on XX/XX/XXXX ( see upload ) with the subject line " Your Navient Account Information '', without any reference to my payment plan in the subject or even in the body of the email, 2 ) Another on XX/XX/XXXX ( see upload ) with the subject " New document ready to view! ", again without any information about the purpose of the correspondence. Of course, I immediately went to the site and it's all perfectly clear that I need to renew my payment plan. Go figure! 

I've been in email marketing long to know that consumers are overwhelmed with email and this was a deliberate effort on the part of XXXX XXXX, I mean Navient, to conceal information from customers to increase their bottom line. They know full well that a great number of their customers will NEVER reapply by the deadline because they NEVER knew they needed to do so in the first place. 

On the other hand, when it comes to Navient 's bottom line, they're crying it from the mountaintops. Looking down the list of other emails from Navient, they clearly know how to be clear and concise with their correspondence like the good little email marketers they are and can be when in it's in their interest. An email on XX/XX/XXXX specifically says there will be a " Change in Loan Terms '' ( see upload ). Why not a nice friendly email ( similar to how ethical companies do it ) saying, " It's time to renew your REPAYE plan! ", right there in the email and body of the email, not buried deep within the site, leaving the exclamation and enthusiasm to wear off when you finally get to the website two months later ( see uploads ). 

In summary, if I had the extra money, it probably wouldn't be an issue. But with a XXXX & XXXX year-old I just don't have that luxury and an extra {$350.00} hits hard! I wonder if it's just a coincidence, but this came during XXXX and would no doubt provide a nice XXXX bonus for investors. 

My two cents would be to drop Navient / XXXX XXXX as a government contractor.  Private interests are obviously polluting what might otherwise be a great public resource for Americans. If you could put that in the suggestion box I would be grateful. Thank you! 

Last thing is I attempted to contact Navient about it and they gave me a lame excuse about needing to " protect the security of my account ''. From who? If you know anyone who wants to repay my loans, I would love to hear about it. Only XXXX left! What I do know is this is a scam! Not the first time for Navient / XXXX XXXX but hopefully the last! Thank you for listening! 

All the best, XXXX XXXX
Product: Debt or credit management

On XX/XX/XXXX I was transported to XXXX XXXX XXXX. by ambulance because I had a XXXX and went into XXXX  I was admitted to the hospital after stabilization and care. At the time I was insured by XXXX and XXXXXXXX XXXX XXXX  Apparently, the physician in the ER who treated me was not within my health care network ; consequently, I was charged XXXX by the hospital/ physician. The other amount owed was covered by XXXX as I had met my deductible. I attempted to resolve this matter with XXXX and XXXX. ; however, it was past 90 days and they rejected the appeal. The hospital never billed XXXX for ER services. The hospital sent the XXXX bill to collections ( Komyatte & Casbon , P.C . XXXX XXXX XXXX XXXX, In reference # XXXX XXXX XXXX ). XXXX. has sent harassing mail and phone calls to collect this debt. I contacted XXXX. and explained the situation to no avail. It should be noted the I was transported to the hospital because of an emergency health condition and have no control of the physician providing my health care in the XXXX. It is not my responsibility to determine whether the physician in within my insurance network. I am requesting support so that this bill does nor affect my credit nor to I feel I owe this amount. I am a XXXX XXXX on XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 12 " potential negative '' student loans account that are reporting incorrectly on Experian consumer file. The 12 accounts should be reported as " paid on time '' as it is reflected on XXXX. 

I have a closed account XXXX XXXX  that was removed from XXXX and XXXX HOWEVER, Experian is still showing this account on my profile as " CLOSED '' this is negatively impacting my credit and character. 

I have a XXXX XXXX collection account that is reporting negative on my report. This account has been DISMISSED in court as an account that is not a valid debt that I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
The did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, The did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything hs to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active i inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 renortinoadency can not furnish a account without mv written instructions