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

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Experian about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

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 Subject : Request for Account Information Dear XXXX XXXX XXXX XXXX XXXX , I am writing regarding the account associated with the following details : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX .... 

I am not disputing this account but am requesting clarification and documentation for my records. Specifically, I would like to request the following information : 1. The date of first delinquency for this account.

2. The date of the last payment made on this account.

3. The date of the charge-off for this account. 

Please provide this information at your earliest convenience. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your time and assistance. 

Sincerely, XXXXXXXX XXXX XXXXXXXX
Product: Student loan

Navient for the last 9 years have been providing incomplete information regarding my loan repayment. Since I have ben employed full time since graduation, Navient has enrolled me in several different programs for repayment each with different lengths and terms. The calls always go the same way, Navient called because your account balance is past due, the only reason past due is because the automatic payments I schedule were only for a certain length of time. They are always only interested in me making a payment. Never not once have all ( eligible or ineligible ) payment plans been given or explained. I'm now of age to try to become a first time homebuyer and the {$14000.00} loan has only risen over the years. So this last call from Navient, I actually took time out ( actually walked out of work ) to ask more questions. The representative acted as if me asking questions was an annoyance to her. She then told me her computer was about to shut down so she needed to call me all, ironically this was just as I began asking questions instead of just giving her payment information and re-enrolling in some program she mentioned. In that conversation, I learned that majority of these programs the agents have been suggesting then enrolling do not help/go towards my principal balance. When I asked the agent what is my regular monthly payment, she couldn't even tell me. After dancing around my question, I found out that a regularly monthly payment is actually less than I've been paying through these various programs that have been suggested by Navient representatives in the past. I think this is predatory behavior, as well as deceptive and wrong. I feel taken advantage of. Anytime I speak with a Navient representative they have ONLY ever been interested in receiving a payment and keeping my account current, NEVER providing complete, accurate and beneficial information to actually pay the loan off. I literally have anxiety and XXXX because of the constant payments being made towards my student loans, yet feeling as though I'll never be able to repay them in full. It's already XXXX to have gotten these loans to try to get a good paying job and that never happened.
Product: Credit card

XXXX XXXX- {$2200.00}. XXXX XXXX {$1400.00}. XXXX {$1200.00}. XXXX XXXX {$1500.00}. XXXX XXXX XXXX {$5000.00}. XXXX XXXX {$630.00}. These are the accounts thats fraud on my account. I never signed for any of these accounts. They need to prove to me that they have my original signature. No one have provided me this information thus far. This needs to be removed immediately off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer sent all 3 credit bureaus Equifax, XXXX, and XXXX  a removal letter through certified mail. The dispute letters were sent on XX/XX/XXXX, asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' I also sent all 3 letters with a green return receipt and only two of those corporations have signed saying they received them. Under federal law, these corporations have violated me as a consumer. XXXX, Equifax, and XXXX  's agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but the corporation. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.
Product: Credit reporting or other personal consumer reports

I am formally disputing these unauthorized inquiries in accordance with the Fair Credit Reporting Act. I kindly request a thorough investigation into my claim. Due to the negative impact on my ability to apply for loans and obtain credit, I request the immediate elimination of these unauthorized inquiries from my credit report. If there are any additional materials related to these inquiries, I request that you provide them as part of your investigation. 
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
Product: Credit card or prepaid card

On XX/XX/, I noticed an unauthorized charge on my credit card for {$120.00}. I immediately notified my company Ollo. They cancelled the card and advised they would send a new one. On XX/XX/XXXX they reversed the unauthorized charge, but I did not receive my new card for approximately 2 months. During that waiting period they continued billing me for late charges as well as interest charges. I strongly believe it was unethical to continue charging these fees for a card I did not have access to. Nor did I appreciate the excessive phone calls, which were sometimes three calls a day. This is harassment. As of this date, the harassing calls and fees continue to mount. I would like an apology as well as a refund for all fees that are still occurring.
Product: Credit card

I applied for a Revvi credit card on XX/XX/XXXX  with reference number XXXX, on XX/XX/XXXX  I was asked to send certain piece of documentation they needed to continue with the application. These documentation was sent through Fax and regular mail. 

On XX/XX/XXXX  ( 4 days before the deadline of 30 days was over ) NOT A CALL but an email was sent to request a call back. I called them and they needed my Social Security card to have my signature. I told them it doesn't matter if I send this latter but they needed to finish the application process. The same social they got is the same social they will see with the signature on it. I was at the XXXX XXXX in XXXX at that time and told them I was gon na come back to the US on XX/XX/XXXX. When I did, I sent through email my Social with the signature one it, and the called. I was told they were going to contact the back office. They never did. 

All in all, The second time I called, I was told my application was denied. 

I believe Revvi application processing was delayed for no reason. And the unprofessionalism of the customer service was not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on the following dates Via Mail Thursday, XX/XX/XXXX XXXX XXXX Tracking : XXXX Tuesday, XX/XX/XXXX XXXX XXXX Tracking : XXXX Via Phone XX/XX/XXXX XX/XX/XXXX I contacted Equifax numerous time to explain after their compromised information on my credit file was deleted and changed. My tradelines completely disappeared which were eventually replaced after 3 attempts to their call center in XXXX. My name variation which has caused multiple denials and inquires still effects me.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent XXXX  and police report to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is not granting my request I have sent in by U.S. mail, phone, and online at XXXX XXXX XXXXlexisnexis.comXXXX and XXXX XXXX XXXXXXXXlexisnexis.com/, for a Consumer Disclosure Report and a LexisNexis Opt-Out in XXXX and XXXX and XX/XX/XXXX. Their results are requesting the same accurate information to verify my identity that I previous sent in to them by U.S mail and I sent in the same information over the phone. LexisNexis also have an incorrect spelling of my first name from a different request in XXXX of a LexisNexis Opt-Out, after notifying them about it, they still continue to not correct it by updating the error of my first name. The incorrect first name is : XXXX.
Product: Credit card

I have 6 CC cards with Synchrony and I have tried to a month to have a closed bank account removed from these accounts. They have no option to remove an account only to add an account. You can use their AI chat and it asks you if you want to remove a payment method which is great if it worked. It hasn't worked in a month. I have chatted with a real person they were not able to do it, I have talked to customer service and they could not do it. What this causes is when an automatic payment is set up the payment is defaulting to the closed account causing it to generate a " we can't process your payment ''. So you must log into the accounts manually and make the payment with another method. It is inconceivable that this company is the only one who doesn't allow you to remove an account. If I don't log into the account and forget it means I will receive a 30 day late on my credit report. Not acceptable they need to fix this or they need to not offer credit cared or tell the consumer they don't over the feature.
Product: Credit reporting or other personal consumer reports

Its things and addresses on my credit report that I have tried to dispute multiple times and they are still on there causing me to get denied for things
Product: Credit card or prepaid card

I was a victim of fraud and I informed my credit card company of the fraudulent charge made on my account 3 months ago. I then petitioned them for a full refund after said investigation providing them a copy of the police report in which the whole case is laid out. After providing them with everything they requested they refused to investigate and remove the fraudulent charges from my account. This has impacted my credit score greatly and my ability to pay my bills.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. It also doesnt help that Zelle give you the option to unenroll with ease, making it harder to track transactions, also making it harder to recover them.
Product: Mortgage

XXXX XXXX XXXX Mortgage alleges a foreclosure sale took place, however, is unable to produce foreclosure sale documents, an auctioneer name, an auctioneer license number. HSBC Bank USA , N.A . and XXXX XXXX prior to these incidents admitted in United States v. XXXX XXXX XXXX ( XXXX. ) that consumer was discriminated against which consumer was overcharged broker fees and rates. Subsequently, XX/XX/2016, XXXX XXXX in the XXXX v. XXXX XXXX XXXX XXXX Case No. : XXXX notified the United States District Court of XXXX that consumer was also discriminated against when the mortgage company charged excessive fees. Upon force consumer was removed her home without proper documents and remain an interested party in the property known as XXXX XXXX XXXX XXXX, XXXX XXXX. Consumer is the legal owner of the land and the land deed is attached. HSBC Bank USA , N.A . plead guilty in a XXXX Federal Court. Consumer invested approximately XXXX into a {$160000.00} mortgage and there have multiple forced attempts by lawyers and judges to sell the property or they will impose sanctions, XXXX. There are threats to destroy her career and continuously hold her property until she signs documents releasing her interest. The consumer is attempting to coordinate removal of the structure at the expense of XXXX XXXX with clear indication of previous and current injuries. Removal of the property still does not release interest as again the consumer invested {$140000.00} into that property and in a separate transaction, the consumer paid {$14000.00} for the land plus other cost and fees in preparation of the land to build the home on. Cost of removal is approximately {$35000.00}. Quit Claim Deeds attached reserves all rights. XXXX XXXX is the proper lender in this matter. However, it appears that the attorney ( s ) are hiding their claim and interest to the property under HSBC Bank USA , N.A . accounts because HSBC Bank USA , N.A . denies consumer has any accounts with the bank. 

Social Services will need to be contacted as the individuals involved has shown a blatant disregard for the care of their children as well as consumers they have come in contact with by evidence of a XXXX complaint in which another consumer was forced into an agreement after these individuals provided substandard services, products, and withheld their funds. These individuals do n't have any legal contracts with anyone.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and erroneous accounts listed on my credit report. Despite my multiple correspondences and dispute letters sent to your bureau, these inaccuracies persist on my credit file. Upon contacting the companies associated with these accounts, they confirmed that the entries were made in error and assured me that the entire accounts would be removed from their records. However, your bureau continues to report these accounts, which is a source of significant concern and distress for me. Moreover, other credit bureaus have acknowledged the inaccuracies in the reporting of these accounts and have already removed them from their records. This inconsistency in reporting across different bureaus is not only perplexing but also detrimental to my creditworthiness and financial well-being. The persistence of these erroneous accounts on my credit report contravenes the principles of accurate and fair reporting mandated by the Fair Credit Reporting Act ( FCRA ). As such, I am requesting an immediate reinvestigation of these accounts. Your bureau is legally obligated to conduct a thorough and reasonable investigation, promptly reviewing all relevant information provided by the consumer, such as myself. 
DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Product: Student loan

XXXX XXXX, Navient and XXXX XXXX XXXX failed many times to offer affordable payment plans even when directly asked to be moved to an affordable plan. Failing to move me to an affordable payment plan resulted in me defaulting on my student loans and being charged additional fees and accrued interest rates. My pay checks and bank accounts were garnished leading to extensive stress and financial hardship as my family depended on my income as I am the sole wage earner/provider. I was advised on several occasions via phone calls with the lenders that I did not qualify for consolidation of my student loans. I found out all of this information was incorrect. I even read the the wording to them over the phone from the legislation and their staff including supervisors, on different occasions, informed me that the legislation requiring affordable plans was a. untrue and b. did not know anything about the program, c. that I did not qualify for said program. Now I am learning I am not the only person with this experience. I wish to have my experience noted on record as well as the growth in my debt owed to the loan originators investigated as to confirm if my debt is infact valid.
Product: Credit card

Discover has been charging me 29.99 % interest for the past five years, because I made a late payment in XX/XX/XXXX. Since that time, I asked them to lower the interest, and they did for a brief, temporary period, but then they returned it to XXXX. They explained that they " had '' to raise it again because lowering it was just temporary. Since that time, my daughter was diagnosed with an XXXX, I lost my job, and I sustained XXXX. I was unemployed from XXXX to XXXX of this year ( I am XXXX ). When I explained to Discover that I was struggling to meet their very high interest payments because I 'd lost my job, they replied that if I 'd lost my job, I was a worse credit risk, which was all the more reason they should leave my interest rate at the highest level. I ca n't imagine that charging me this rate over this period of time is legitimate.
Product: Debt collection

PMAB , LLC failed to adequately Validate a collection that was placed on my credit report. 

In XX/XX/2016, PMAB , LLC placed a medical collection on all XXXX of my credit reports. On XX/XX/2016, I submitted, via certified mail, very specific requests to validate the stated collection. Their return correspondence dated XX/XX/2016, did not address the items requested for validation purposes. Therefore on XX/XX/2016, I submitted another letter to them, via certified mail, stating that they 've failed to validate the debt the as requested and compliance was still required. They responded again with only the same documentation as before. So on XX/XX/2016, I sent them an additional letter to request deletion of the collection account on the XXXX credit reports. I also submitted disputes with all XXXX credit reporting agencies. 

To date only PMAB , LLC only authorized deletion from XXXX and XXXX. The collection account, which was not validated, is still reporting on my XXXX credit report. On XX/XX/2016 I submitted to PMAB , LLC my final correspondence via certified mail for immediate deletion of the collection account that is not mine.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE CFPB COMPLAINT OF ANY PREVIOUS OR RECENTLY SUBMITTED CFPB COMPLAINT. 

On XX/XX/XXXX, I submitted a request via email for an updated copy of my LexisNexis Accurint Report ( XXXX ). 

In a letter dated XX/XX/XXXX, LexisNexis requested that I contact them via telephone to request my LexisNexis Accurint Report. 

On XX/XX/XXXX, at XXXX XXXX, I contacted LexisNexis via telephone and spoke with their representative named XXXX . Once again, I requested an updated copy of my LexisNexis Accurint Report. 

In a second letter dated XX/XX/XXXX, LexisNexis again requested that I contact them via telephone to request my LexisNexis Accurint Report. 

On XX/XX/XXXX, at XXXX XXXX, I contacted LexisNexis via telephone and spoke with their representative named XXXX XXXX Once again, I requested an updated copy of my LexisNexis Accurint Report. 

On XX/XX/XXXX, I submitted another request via email for an updated copy of my LexisNexis Accurint Report ( XXXX ). 

In a third letter dated XX/XX/XXXX, you again requested that I contact you via telephone to request my LexisNexis Accurint Report. 

On XX/XX/XXXX, I submitted another request via email for an updated copy of my LexisNexis Accurint Report ( XXXX ). 

What else do I have to do to receive an updated copy of my LexisNexis Accurint Report? Ive called. Ive emailed. Ive written. Ive even submitted CFPB complaints that LexisNexis has ignored or blatantly lied to the CFPB.
Product: Checking or savings account

Although I received an email from CFPB stating that my complaint XXXX was resolved, it has not been. I have not received any additional information from Chase about the documents required to close this account. I telephoned this morning and was told that I had not submitted a death certificate. If you look at my complaint, you will see that I have already submitted two hard copies ( to the address listed in the resolution email you sent, one certified mail ) and two email copies -- one to a branch office and one to Chases Executive Office. When I mentioned this to XXXX, the Chase representative, he said that someone would call me back. 
I am beginning to think that this repeated loss of my documents is motivated by prejudice against a perception of what race and religion I am. I can not come up with another explanation of the refusal to accept or hold onto the documents I send and the refusal to put anything in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I havent had a credit score since XXXX of XXXX. After submitting a complaint about incorrect information on my report, my credit score was deleted from not only exqifax but all the other reporting agencies as well. I have called and uploaded and verified my identity many times. Three to be exact and still i have no report. I have had two different credit reports reporting for the last six months and still i have no score.
Product: Mortgage

Ocwen Loan servicing applied a lender-place insurance on my account by mistake. I always had insurance. So, finally after almost five months of requests ; they addressed the issued and applied the amount of the error ( {$5900.00} ) towards the principle balance instead of the escrow leaving the escrow account negative for the above mentioned amount. The Loan was transferred to a new service company ( XXXX ) which has not been able to resolve the problem too ( 3 months so far ). I keep being bounced back and forth between them and nothing has been resolved. In total I have been dealing with this issued caused by Ocwen for over 9 months between both loan service companies ; amount of months I have been overpaying my mortgage by {$100.00} since my monthly payments increased due to the negative balance in my escrow.