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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Product: Credit reporting or other personal consumer reports

XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report specifically pertaining to Navy federal account, leaving inaccurate or unverifiable accounts unresolved. Despite providing clear documentation and evidence to support my dispute, XXXX and XXXX neither removed nor corrected the Navy federal account information.

This failure aligns with the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, which highlights systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and neglecting to adequately notify consumers of dispute outcomes.

In my case, XXXX and XXXX failed to provide documentation verifying the accuracy of the disputed accounts, as required by law. This lack of transparency and accountability has directly impacted my creditworthiness and financial opportunities.

I urge the CFPB to investigate XXXX and XXXX ongoing violations and ensure they are held accountable for neglecting their legal responsibilities. Consumers deserve accurate credit reporting and a fair process when disputes arise.
Product: Debt collection

I am writing to formally dispute the fraudulent charges listed on my credit report due to identity theft. I have discovered that my personal information has been used without my consent, resulting in debts that do not belong to me.
Product: Payday loan, title loan, or personal loan

I purchased a XXXX XXXX back in XX/XX/XXXX in the month of XX/XX/XXXX. I fell behind on my payments due to Santander 's predatory interest rate and fees. Santander sent me a letter asking for $ XXXX in XXXX I contacted them and offer them $ XXXX they did not accept my offer. They charged off the loan in XX/XX/XXXX now two later they sold it to a junk debt buyer who is now riding by my house shining lights in mu window. Santander has wrote this off a loss of income how do they sell a debt they claimed a tax deduction for and a tax break. They got their money for the car and a lot more. I received no re-assignment of debt or proof that the guy driving around my house has legal proof to harasses me.
Product: Debt collection

Pursuant to Fla. Statute- 673.3081- A defendant may denied in specific the authenticity of any document presented as the original promissory note and any possible signatures contained in the complaint. 

On XX/XX/XXXX, we submitted a written request under section 6 of the Real Estate Settlement Procedures Act. On XX/XX/XXXX, we received a response from XXXX XXXX on behalf of Flagstar Bank, however XXXX XXXX failed to respond to the questions that was asked and instead claims that it is unclear from our correspondence what we are requesting or disputing. The written request is very clear and to the point. The note reveals an endorsement by XXXX XXXX XXXX senior vice president, flagstar Bank. XXXX XXXX provided a copy of the note reflecting the same endorsement naming XXXX XXXX XXXX therefore he knows too well what we are asking and is refusing to respond. We ask, if XXXX XXXX XXXX was ever employed by Flagstar, we also ask if XXXX XXXX XXXX holds the office of Vice Presidient of Flagstar, we ask when XXXX XXXX XXXX employment started with Flagstar and when it end. Pursuant to the Florida Statute, a debtor has ever right to question the authenticity of any signatures on the note. The record reveals that XXXX XXXX has knowledge of the questions being ask because he himself provided a copy of the note reflecting the name of XXXX XXXX XXXX. Therefore if he already provided this information it does not make any sense that he would not answer to the questions when he clearly knows too well that the question is very clear and he knows the subject matter. By providing a copy of the note reflecting the name of XXXX XXXX XXXX, XXXX XXXX has placed himself in a contradictory position claiming he knows nothing or that does not understand the question, XXXX XXXX has provided a poor excuse that not even him believes. In the Court of Appeals State of Arizona, in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee ; Flagstar. The summary judgment was reverse by the appellate court in specific due to a False recording claim surrounding the endorsement of XXXX XXXX XXXX. The appellate court agreed with the defendant that the endorsement of XXXX XXXX XXXX was false and that there was no proof she was an actual employee of Flagstar. We have enough information to be believe that the endorsement placed on the note by XXXX XXXX XXXX is false and we demand that flagtar bank respond to the written request under RESPA 6 of the Real Estate Procedures Act. The CFPB has jurisdiction over the matter and we ask that you act according to the law. Pursuant to the Fla. Statute and RESPA we have every right to demand an answer and therefore we ask the CFPB to enforce every statute mention in this complaint.
Product: Debt collection

I called citibank to find out where this debt was and have it verified. Citibank stated the debt was passed the statute and they will not be sending anything in the mail to verify the debt I can either pay the full amount and have it closed out or have it report on my credit report as is. 


I ask that you please have all calls pulled from my communication with them XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication XXXX any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Paramount Recovery in XXXX TX breached my debt info and has not done anything to solve the issue. They are claiming I have a debt of XXXX dollars.I am in the process of defending myself against their attempt to collect this false debt. They have refused repeatedly to send a debt verification letter to me. On XX/XX/XXXX I accidentally gave them the wrong birth year and they still verified that it was me on the phone. XXXX instead of XXXX. I proceeded to bring the mistake up and expressed my concern in the verification process. They said I entrapped them and thats illegal. I stated although they have that opinion it is still a possible breach of my sensitive information. They hung up and refused to speak with me further about the issue or debt. I called back and got the voicemail 4 consecutive times. I am looking for this company to be held accountable for these actions.
Product: Debt collection

This is an credit card I had back in XX/XX/XXXX, I had a fight over the phone with customer service for lying to me about taking ( 2 ) late charges off at that time, which they refused to and added 2 more instead when i had a agreement with one of the worker who represented Capital one of XXXX, so I told them to just close the account which was for a total credit limit of {$350.00}, I felt they were trying to scam me since I had the card for many years, and at that time I was on unemployment, its was the beginning of the recession. They sent me and a friend of mine who is my attorney at the time, paperwork, which I disputed this hole affair and explained it to a judge, I believe my lawyer sent an order to show cause?? Not sure, I believe the judge sided with us, anyway I never heard from capital one again, that was 13 years ago. 

Until XX/XX/XXXX on XXXX XXXX I recived a sheriff notice to garnish my salary. 
Now at the same time I have a ( one ) credit card I just opened to rebuild my credit in XX/XX/XXXX and its from Capital one who just increased my credit line to {$220000.00} and I am in good standing with them? Now I spoke to the law firm that is garnishing me and they said ; they would send me all the paperwork that shows the dates, the judgement and when I was served, which I was n't ever notified of a judgement or a court date other then the court date my attorney went to, but he is now out on medical comp due to his XXXX XXXX XXXX and unable to reach?? Is this legal after all this time? Never any attempt to collect or settle or contacting me before garnishment in 13 years now that the amount has all this interest built up they garnish??? I only owed ( {$350.00} )???? If that??? Plus is n't there some kind of statued of Limitation on Judgments also??
Product: Credit reporting, credit repair services, or other personal consumer reports

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. However I have sent several letters requesting that Equifax, XXXX  and XXXX remove the XXXX  XXXX XXXX Mortgage account due to their failure to verify the accuracy within the 30 days. I then sent a follow up letter requesting validation of accuracy of this account and still the account is inaccurate and my rights are being violated. The XXXX  XXXX XXXX account is reporting that my payment history was " ok '' from XXXX until now, however look at Transunion report and they are reporting me as 120 days delinquent in XX/XX/XXXX, on XXXX  they are reporting me late from XX/XX/XXXX all the way up until XX/XX/XXXX! If the credit bureaus were taking my disputes seriously actually verifying the accuracy of this account, then why are the 3 credit bureaus reporting three drastically different payment histories.

I am tired of being bullied by these credit bureaus and them not following the FCRA guidelines. Its unfair and causing me extreme emotional distress. Please help with removing this account from my credit files.
Product: Credit reporting or other personal consumer reports

Please remove the late payment from my account. 
I always pay on time. This is causing me a lot of stress.
Product: Debt collection

I have not supplied proof under the of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

XX/XX/XXXX To whom it may concern, Regarding : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Back around XXXX I had a HELOC Home Equity Line of Credit. When the recession hit my husband and I could lost our jobs and we could not pay our bills. When my husband gained employment we were able to do a modification. This was done and our HELOC was charged off. Years later, I called my creditors and made good on past accounts with payment arrangements. It was then, that I discover that my HELOC was sold from M & I Bank to BMO Harris Bank N. A. I was never notified the loan was sold at that time my house was under water by over 100K. 

I called BMO in the past and have tried to settle, but they insist on at least 35K. I have told them this is not possible. This year, I received a 1099-C with a Identifiable event code of G. My accountant said it wa A cancellation of debt. When I did my taxes they said I was insolvent. 

I called BMO XXXX XXXX XXXX XXXX and spoke with XXXX regarding the 1099-c. For the amount of XXXX She said the reason I received the form was because I had passed the statute of limitations for collections. I then asked if they would remove the lien. She said no, NOT until I pay off the debt. She wanted to settle for XXXX. I told her if I could I would have. And that even if I sold the house today, after expenses paying the 1st only, I would need to come with money to the closing table. I told her I would like to have the lien release. Since I have a 40 year loan and want to refinance. I do not think I will live to be 98 and pay the first off much more the second. I told her it does not make sense to charge off the debt, and for them to get the tax ride off and still collect from me. It seems like they are double dipping. Well XXXX said I could write a hardship letter and maybe they will accept a lower amount. 

I am wondering if I have any rights as a consumer for this. Since I am in no position to hire and attorney. I have searched the internet and its called XXXX debt. There is contradicting information. I am also sending this letter to other agencies, as I feel the their business practices are deceptive and illegal for trying to collect after a cancellation of debt 1099-C. 

I can be reached at XXXX ) XXXX the best way is email XXXX Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX  .cc Federal Reserve .cc Attorney General .cc XXXX XXXX XXXX .cc Fair Debts Collection Practices
Product: Vehicle loan or lease

I rented a car from XXXX car rental on XXXXXXXX  at the XXXX XXXX airport location. XXXX XXXX  set this reservation up for me directly. I was notified of the details. My rental contract said in print that I would be charged a fee if I did not call customer service prior to extending my rental. I called customer service to do just that. That call record was logged by XXXX and my mobile carrier. Still, on the evening of my return, I was charged a " late return fee '' of {$36.00}. The evening of my return, it was pouring down rain. It was late, cold, and wet-so I chose to have my receipt emailed to me instead of walking into the branch. To my surprise, despite my calling customer service, per the rule, I was billed a late fee anyway. I contacted customer service by phone and was told there was nothing that could be done and that no bill adjustment would be made. I then contacted my credit card issuer and disputed {$36.00} of the {$210.00} total. It was determined by XXXX XXXX XXXX XXXX that the entire amount should be refunded to me after their investigation. I visited the lax XXXX in XX/XX/XXXX  to offer to pay the {$210.00}, less {$36.00}, that I no longer owe. I was told by an agent at the counter that no payment could be taken. Additionally, the only XXXX rep that could take a payment would be the " do not rent '' center, and they do not make bill adjustments. Now, I'm getting payment demand letters from their credit collection partner XXXX XXXX XXXX, by email, phone, and first-class mail, attempting to collect a bill that my responsibility has been removed
Product: Credit reporting or other personal consumer reports

TransUnion shows a creditor, XXXX XXXX XXXXXXXX, on my credit report. I disputed the debt twice with TransUnion and they reported it as accurate. I contacted XXXXXXXX XXXX XXXXXXXX and they told me the information is now with OMG, a debt collector, and gave me their phone number. I contacted OMG and asked for verification of the debt. They sent me to somebody who offered to settle the debt at 40 % and remove it from my credit report. I asked for verification of the debt and they told me they would have to request it from XXXX XXXX XXXXXXXX. The person I spoke with said they would request verification from XXXXXXXX XXXX XXXXXXXX. I called back to XXXXXXXX XXXX XXXXXXXX and they said OMG has all of the documents. According to OMG, the debt is from XXXX but on my credit report it shows as XXXX. Nobody has provided any verification of the debt and all of my phone calls to XXXXXXXX XXXX XXXXXXXX were made on XX/XX/XXXX.
Product: Debt collection

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : ***Add Collection Details for the company ( Furnisher/Original Creditor XXXX Account Number ) Account Number : XXXX Collector : XXXX Original Creditor : XXXX XXXX XXXX Status XXXX XXXX Balance Amount : {$XXXX}
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

Some of my payments for my PSLF were not counted ( XXXX  payments ), even though all of my employers signed the certifications and all timeframes were accounted for. When attempting to submit my w-2 for further supporting documents, the system would not allow me to proceed. Lastly, when my loan was forgiven none of my extra payments ( above the 120 ) were considered for refund. I have an approximate amount of XXXX  payments should be refunded. The two agencies are Ed Financial Services and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/2021 XXXX XXXX : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is totally unacceptable. This is my second complaint due to the negligence the bureaus have displayed. On XX/XX/XXXX I sent in my first letter regarding the inaccurate, misleading, and false reporting items I noticed on my credit report. I received no reply from the bureaus because of this. I wrote them a second letter on XX/XX/XXXX. I have yet to hear any response from the bureaus. This is a violation of my rights Section 611 ( a ) state that once a reporting agency receives a dispute within 30 days, the agency must record the current status of the disputed account or delete the account from the report. It has been over 80 days since my original letter was sent. The bureaus have a duty to provide notice of dispute which they are clearly ignoring. These violations are payable up to {$1000.00} each I demand these accounts to be deleted for their inaccuracies and the negligence of the bureaus. I will not wait for another 60 to hear a response. This has been stressful and needs to be addressed.
Product: Checking or savings account

Well Fargo closed the estate account that I am the executor for. They mailed the check to the deceased family members address where no one lives and the property is being sold. They provided no notice no call or email regarding the account. When speaking with wells fargo in person they state that they can not reissue the check for XXXX business days even though XXXX return the check since it was undeliverable.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft and The Equifax Data Breach. Many accounts was opened illegally without my knowledge or consent I have been trying to work with Equifax on this matter and they are allowing the illegal account with XXXX XXXX XXXX to remain on my credit report this is illegal. I have supplied Equifax with Police Report and FTC report on this matter. Per FCRA illegal accounts with police reports and FTC are to be removed within 4 days Equifax is not complying to Federal Law. I have seen them in the news recently also for false investigations further raising my concern of there true investigations. please help me remove this illegal account from my credit report immediately. I am attaching a copy of my POLICE REPORT, FTC REPORT and proof of Identity. 
The account I am referring to is XXXX XXXX XXXX {$29000.00} I appreciate your help in this matter XXXX XXXX