23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was originally sent a letter from Kimball Tirey & St John LLP on XX/XX/XXXX for the amount of {$1000.00} from a previous apartment I rented at. I contacted the collector and requested an invoice for the charges as they were from XXXX and I wanted an itemized list to verify everything. When I got the invoice from the original apartment that I owed the debt to, the current due balance was listed as, {$750.00}, a completely different amount. When contacting the collector again and letting them know this was the case, they gave me my login for there website where I can make payments and told me that they had just spoken to the apartment and they were adamant on the total. However the amount on the collector website was completely different at {$1100.00}. When calling back the debt collector they said that they did not know what to tell me, that was the amount. I felt very uneasy about the way they went about it and I called the apartment where the original debt was from, they told me that they no longer had any file on my case because it was so long ago and have not spoken to the collector. I tried explaining to the collector that this was very confusing and I was just trying to understand why there are 3 separate amounts that are just increasing by the week, and they had no regard. They said they would send me another invoice for the charges and that I should receive the invoice in 2 business days but I need to make a payment by this Friday or this was going to get reported and my credit score would drop XXXX points. I just felt very uneasy about this whole encounter and I felt that I needed to report it.
Product: Checking or savings account

{$500.00} promotion stated that the bonus woul dbe posted with 45 days of the deposit being verified and held in account for 60 days. Spoke to XXXX at US Bank on XX/XX/XXXX and she confirmed withthe back office that the qualifications were met and to wait an additional 4 to 8 weeks. This goes agaonst the promtion bonus payout terms. 

Deposit made on XX/XX/XXXX. Deposit to be held for 60 days and the bonus to be paid within 45 days of that date. 

" The new money deposit can not be funds held by U.S. Bank or its affiliates. The business checking bonus will be deposited into your new U.S. Bank Business Checking account within 45 days of balance verification, as long as the account is open and has a positive balance ''
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX Balance Owed : {$4200.00} XXXXXXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX XXXX Balance Owed : {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The card account is reporting incorrectly on my Equifax report as a closed collection account. The XXXX XXXX account was never in collections and should reflect a XXXX  balance. This account should reflect a closed account with a XXXX  balance and the historical account records should reflect that it was never a collection account.
Product: Student loan

My school submitted a private loan in-school deferment form XX/XX/XXXX, which had been approved until XX/XX/XXXX. The private loan Navient charged me for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX along with a late fee when the deferment form had already been approved in XX/XX/XXXX. I graduated XX/XX/XXXX and am frustrated with their customer service department. I have spoken to numerous customer service representatives who have given me conflicting information regarding my account and the forms that my school must submit. Since, XX/XX/XXXX, I given a great deal of effort calling and notifying my school registrar regarding these issues. My school registrar have made numerous attempts to fax, refax, and resubmit necessary documents to rectify this issue. Navient supervisors have also told me they would resolve and submit requests to correct the error on my account. 
During this time, I have been receiving unending inappropriate calls as early as XXXX regarding my account. Their calls continue to disturb my life and my peace. I am completely stressed from their calls and have now sought a counselor to talk about my stress issues. My health is failing from a precancerous growth in my body from the stress and now will need to go in for XXXX as well. 
Since, then, I have done my part to make payments from XX/XX/XXXX ~ I graduated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$1200.00} XXXXXXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX {$150.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$250.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, which left my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for such violations.
Product: Checking or savings account

I have sent back the form signed for the mediation. Because I'm sick of how wells fargo is treating me and calling me a liar basically. When they admitted it themselves with them falsely accusing me of harassing XXXX XXXX. Is the reason why they closed my checking account. I have a target on me for some reason. Wells fargo didn't know who I was but by the word of mouth by XXXX XXXX XXXX lies against me. 

When the police didn't arrest me and take me to jail. Because they saw that I wasn't doing anything wrong. This angered XXXX XXXX to lie to wells fargo for them to take action against me and close my account. This proves wells fargo wronged me and did an injustice against me! 

XXXX XXXX didn't need to provide any evidence when she falsely accused me of harassing her. She purposely put herself at wells fargo bank on that last day I was at the bank. It was all a setup. There was nothing wrong with my first checking account for them to close it anyway. Why was she allowed to snoop through my private information? She had the employees at the XXXX XXXX location wells fargo branch tell her when i would be at the bank. So she could be there to falsely call the police on me. When the police didn't arrest me. This further angered her. XXXX XXXX was already slandering my name at wells fargo bank. Well, they paid the price for siding with her with all the legal troubles they have been in since 2016. And for the wrong and injustices they caused me. I didn't deserve to be put through this. I don't know what it is about me. When people see me they can treat me wrong and do all these evil things against me. XXXX XXXX was XXXX XXXX XXXXXXXX with all she said in her letter just like XXXX XXXX. Making me think she was going to settle with me. But I played along with her because I knew what she was up to already. When she kept asking me what she can do to settle this. I never in my entire life would have thought. I would have a neighbor who works at a bank to harass me like this. Because i fought for my property rights and XXXX XXXX didn't like it. Wells fargo is the reason why she is the way she is. Nobody has never made her be accountable for her actions.
Product: Debt collection

XXXX XXXX of J & D Recovery , Inc contacted my office regarding an outstanding invoice with a New York based company, XXXX  XXXX XXXX XXXX. I requested that XXXX XXXX send me an email with written notification of the debt, as my company had paid the invoice the previous year. XXXX XXXX sent me an email but did not include notification of the debt, nor the outstanding invoice in question. I responded to XXXX XXXX 's email with information that the check we had sent the previous year had not cleared, that I had stopped payment and reissued the check, and gave the date upon which it was sent. I then requested that his company stop contacting us. Over the following three weeks, XXXX XXXX has made phone calls to my office that exceeded ten phone calls per day. He has repeatedly used abusive and harassing language when he has spoken with myself and my colleagues.
Product: Debt collection

According to the IRS cancel debt ( charge off ) gross is ordinary income. Income does not get reported on your consumer report. Since income does not get reported on your consumer report a charge off is an inaccurate account and should be deleted off my credit report.
Product: Debt collection

I am writing to dispute the following information in my credit report. I have reviewed my credit report from your bureau and found several inaccuracies that I believe need to be corrected under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). 

The information I am disputing is as follows : **Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 {$11000.00} This information is inaccurate for the following reasons : XXXX. XXXX XXXX : ** Incorrectly reported as {$12000.00}. 
XXXX. **Date of Last Activity : ** Conflicting dates with other credit bureaus. 
XXXX. **Date Reported : ** Different across XXXX XXXX XXXX, and Equifax XXXX 
XXXX. **Account Description and Status : ** Various discrepancies and unresolved disputes reported inaccurately. 

Please find attached copies of my credit report from XXXX, Equifax, and XXXX, highlighting the discrepancies in the information reported by each bureau. I have also included copies of any supporting documentation that can help verify the inaccuracies mentioned above. 

I request that you investigate these matters and remove or correct the inaccurate information from my credit report. According to the Fair Credit Reporting Act, you are required to verify the disputed items within 30 days. I appreciate your prompt attention to this matter.
Product: Mortgage

On XX/XX/XXXX, due to Hurricane Maria 's, Chase Mortgage offer a Forbearance plan to us stating that our monthly payment could be stop for a period of 6 months and such payments would be place at back of loan in order to help hurricane affected areas to repair any damages due to the storm. In XX/XX/XXXX I called in to pay my XX/XX/XXXX mortgage payment. I asked the status in reference to the letter stating that the 6 months payment will be applied at the back of the loan. I was then informed that in XX/XX/XXXX, I was not qualified for the Forbearance plan due to the type of loan that I have. I never received a call nor a letter from Chase informing me that I was denied. I was then told if I don't pay the 6 months mortgage payment, I would be in default on my loan, which is over 13,000.00.  Chase at all time had knowledge of my loan type and still misinformed me.
Product: Mortgage

When covid hit I lost my job as a XXXX, my husband was already out on XXXX from a XXXX XXXX  and with my mother moving in with me there were not many options ( she is a senior ) I applied for and was granted the pandemic relief - I finally got a job after about a year and wanted to start repaying my house. They refuse every modification and when I apply they do not even ask for paperwork, nothing. They Just deny it. 
I hired a lawyer to help me, they refuse to respond to him. My hands are tied they want the full XXXX  I am behind in full. They will accept no less. 
I saved up XXXX  an they still will not take it even though I am only technically behind {XXXX} in principal and interest. 
They want XXXX  to cover all fees etc.

I would love for them to help me and take a partial payment and allow me to catch up on the balance. They want to foreclose and sell it because of home values right now. They refuse to even consider a modification. 
Please help me! 
This is Mr.Cooper bank that used to be Nationstar.
Product: Payday loan

I received a call from a woman stating that they have a " pending claim '' against my XXXX checking account ; some sort of " bad checking ''. No name of the lender or anything is given. She states that I have some charges pending against me as to what they do not give. These people have called my dad as well as my sister under the business name of Integrated Services at XXXX. I looked up this number on another web source and other consumers have had the same issues with these people ; they harass, can be rude, and have multiple numbers in which they have used. I believe they are attempting to fraudulently collect monies from me and/or my bank through old payday loan information they obtained.
Product: Mortgage

I have been paying my mortgage by direct ACH payments, On XX/XX/XXXX of XXXX, a normal payment of {$630.00} went from my account to the mortgage holder Nationstar Inexplicably, XX/XX/XXXX, nationstar returned the payment to my account, XXXX I received notice that nationstar required certified funds for the last payment which should have been less than {$200.00} had nationstar not returned my XXXX payment, Regarless, i went to the bank on XX/XX/XXXX and obtained a cashiers check for the requested payoff of {$700.00} and sent payment by certified mail. 

Nationstar received the payment on or about XXXX XXXX XXXX well before the required due date. 

again, inexplicably, on XX/XX/XXXX, Nationstar returned this payment to my account. 

I tried a third time to pay off the note. On XXXX, I obtained a cashiers check and sent to nationstar by certified mail. 

For the third time, Nationstar sent me a check for the amount of the cashiers check {$700.00}. I still have that check and will NOT cash it. 

Nationstar will not release their lien and are harrassing me at home and at my work. 
I have tried several times to pay off this note. They will not process my payment and just keep adding bogus charges. 

XXXX
Product: Credit reporting or other personal consumer reports

This list of accounts below has violated my federally protected consumer rights of privacy and confidentiality under 15 U.S.C 1681. 
Account name XXXX XXXX, Account number XXXX, Account name XXXX XXXX XXXX XXXX  : Account number XXXX, Account name XXXX  : Account number XXXX, Account name : XXXX Account Number : XXXX. Account name : XXXX Account number : XXXX. Account name : XXXX XXXX Account number : XXXX. XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX. XXXX XXXX Account number : XXXX. violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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.

Resources
Product: Credit card

I signed up for the AMEX Platinum card during a card holder bonus sign up offer where you get XXXX Membership Points if you spend {$3000.00} or more within the first 3 months. According to representatives I live chatted and contacted via phone several times, the first 3 times of contact, they told me I had spent around {$3400.00} for the first two times of contact, and the third time of contact, which was the week before my 3 month period came up, the representative told me since I had refunds made on the account, my new total was {$3000.00}, which is over the {$3000.00} spend so I should be getting my bonus points ... that never happened. I called a few weeks later, the fourth contact to amex customer service, and now the rep told me that my spend did not meet the minimum spend of {$3000.00} and that my total spend was just shy of it at {$2900.00}. This rep told me that my case would be forwarded to a supervisor for review, and she called me back a few days later telling me there 's nothing that she can do about it and that it 's a automatic process. This rep also told me that my total spend was around {$2700.00}. I do n't understand this miscommunication here, if I was told that I did n't meet the minimum spend the first 3 times of contact, I would have went ahead and spent the difference, qualifying for the promotional sign up bonus. There should be no reason that I 'm quoted a different total each time I 've called or been contacted. It literally makes no sense that my total went from {$3000.00} to {$2900.00} to {$2700.00}. There was XXXX refunds and credits done between the contacts between customer service, so I 'm not sure what 's going on, but I 'm missing XXXX points which I should 've gotten but I did n't because of some serious miscommunication. I understood the first jump between XXXX {$3400.00} to {$3000.00} because there was indeed a refund/credit, but the next 3 times makes absolutely no sense at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

New additional information. 
I sent a debt validation letter to Navy Federal Credit Union XX/XX/2022 in reference to an alleged debt in the amount of {$10000.00}. I have not received a response from Navy Federal Credit Union pertaining to my debt validation letter. This is a violation of my consumer rights per FCRA, FCDPA. As a consumer I have a right to request and alleged validation of debt. As off today which is past the allowable time to respond. I will be seeking remedy for all violations. Navy Federal is reporting charge off every month on a closed account which is also a violation reporting on my consumer report
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to properly investigate my disputes and for verifying inaccurate information as accurate, despite clear evidence to the contrary. I have attempted to resolve these errors multiple times through various dispute channels ( mail, phone, and online ), yet the inaccuracies persist on my credit report. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and further demonstrates Experians failure to conduct reasonable reinvestigations as required by law. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for conducting sham investigations into consumer disputes, failing to properly review evidence, and illegally rejecting valid disputes without a reasonable investigation. ( Source : CFPB Sues Experian for Sham Investigations of Credit Report Errors, Consumer Financial Protection Bureau, https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-experian-for-sham-investigations-of-credit-report-errors/ ). 

This lawsuit highlights XXXX pattern of negligence, and my situation is yet another instance of their failure to conduct a proper investigation and correct inaccuracies on consumer reports.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP FRIDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX