23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I recently changed cell phone providers which caused a notification on my account to verify my phone number. The phone number itself did not change but the account would no longer allow me to make XXXX transactions untill my number was verified. I called three weeks ago to put in a manual update request. After 7 business days ( i was told processing takes 5 days ), i checked and the information was still not verified even though i recieved a confirmation email. I called back and the customer service agent put in another expedited request and the number is still not verified. I do not have access to transfer my funds untill this system error is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract, and all documentary material purusant to 15 USC 57b-1 ( a ) ( 5 ) - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it and all documentary material purusant to 15 USC 57b-1 ( a ) ( 5 ) ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Product: Student loan

In XX/XX/XXXX, I contacted Navient about qualifications for the Public Service Loan Forgiveness ( PSLF ) program with questions on the type of repayment and qualifications for the program. At the time I had consolidated my loans into a Federal Family Education Loan ( FFEL ). Navient did not inform me of the requirement to have the loan be a Direct loan or other requirements such as being in an income-driven repayment plan. 

I continued to make payments to Navient and worked in the public sector until XX/XX/XXXX. I filled out an application for the PSLF program in XX/XX/XXXX and the application was denied as I did not make payments through an income-driven repayment plan or consolidate my already consolidated FFEL loan into a Direct Loan. 

All of the actions that I took were based upon advice of a variety of Navient representatives over the course of 10 years. 

I have been working in the public sector for 20 years but do not qualify for the PSLF due to the reliance on advice from representatives from Navient regarding eligibility for the PSLF program.
Product: Vehicle loan or lease

I have been paying double payments on the car an they disabled the car an won't let me earn money to get back on track
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 consumer but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX The Date Opened for this account on XXXX is XX/XX/year>. The Date Opened for this account on XXXX and Equifax is XX/XX/year>. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

XXXX, Equifax and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

I XXXX XXXX is not knowledgeable of this debt and it is not mine it appeared on my credit and I have been going back in forth to get it removed as it is affecting my financial freedom and way of living by reporting negatively NCB MANAGEMENT {$1800.00} ACCOUNT # XXXX DATE XX/XX/2018
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems has engaged in unlawful debt collection practices, fraudulent credit reporting, and violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This company has been reported for : Re-aging debts beyond legal limits to misrepresent the status of old accounts.

Illegally reporting discharged debts as still owed, violating 15 U.S.C. 1681c ( a ).

Fabricating delinquent accounts to pressure consumers into making unlawful payments.

Ignoring consumer disputes and failing to validate debts upon request.

Supporting Evidence : Credit reports showing re-aged and invalid debts.

Consumer disputes ignored, violating FCRA and FDCPA regulations.

Debt collection notices pressuring consumers to pay discharged debts.

Harm & Damages : Negative Credit Score Impact, affecting loan approvals and interest rates.

Harassment from Illegal Debt Collection Attempts despite debts being legally unenforceable.

Financial Losses from consumers paying debts that were already discharged.
Product: Credit card or prepaid card

I purchased two automatic feeders from XXXX on XX/XX/XXXX using my XXXX credit card. The feeders arrived and did not work properly. I reached out to XXXX and got nowhere with them. They stated since the feeders had been used, they could not be returned. I submitted a dispute with my XXXX  credit card which is issued by Comenity Capital Bank because I was not satisfied with the goods I received. I got a letter in the mail stating they would review my dispute, and notify me in writing once it was finalized. To date, I still have not received a letter stating the outcome of my dispute, but I have called them on the phone and they said my dispute was denied because it was after the 30 day return policy. Per the terms and conditions on my credit card statement " you must contact us within 60 days after the error appeared on your statement '' which I did. The letter was dated XX/XX/XXXX which was within the 60 days. I met all the criteria of " if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may the right not to pay the remaining amount due on the purchase ''. I am including all correspondence between myself and Comenity Capital Bank with this complaint. The only letters I have received to date from Comenity Capital Bank are dated XX/XX/XXXX - We are working on your dispute and XX/XX/XXXX - directing me to contact XXXX customer service to help with my question. I have not received anything from them regarding the dispute being denied due to the 30 day return policy as stated on the phone.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I paid off the entire balance of my credit card on XX/XX/2018. On XX/XX/18, I was charged {$11.00}. 

When I attempted to dispute this charge online, their system did not allow this because the link that they stated to click was not there. We are now trying to get them to credit us this amount, by phone. What is misleading and irritating is that they make consumers think that there is an easy means to dispute a claim, but in actuality, there is not. 


CloseDispute a purchase? 
Click the plus icon next to the purchase you need to dispute. 
Then click the File a Dispute link. -- NO LINK
Product: Debt collection

I signed up for XXXX XXXX XXXX home security when I upgraded my phone. The XXXX representatives said the system would no more intrusive than my current home security system. However, it was. The installation technician wanted to mount a shoe-box-size box on my living room wall. I told him that was unacceptable and did not want the service. The XXXX tech would not take the equipment back with him, saying I was required to mail the equipment back in the provided box. I told him I was not comfortable with that but he refused to take the equipment. He called his supervisor who told me all I had to do was return the package to the United States Post Office. So I did that. I took the box with the equipment re-packed to a United States Post Office. They accepted the pre-paid package, printed a receipt for me and I thought that was it. Instead, I received a bill for more than {$1700.00} from XXXX a month later. They claim they did not receive the equipment. I told them I had the receipt, including the tracking number. They looked it up and noted that the USPS did indeed receive the package and returned it. However, they could n't find it in their system. So they kept sending me a bill. I kept calling back and explaining the situation to a different representative every time. Every time, they found the tracking number and saw that the USPS has delivered it. They said they would make a note on my account. A month later, I would get another bill. Two days ago they turned it over to a collection agency. Now I am trying to resolve this with the collection agency. There 's no end in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$1200.00} this debt does not belong to me XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$690.00} this debt does not belong to me XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$16000.00} This company is reporting an inaccurate amount of debt owed as well as missing my on-time payments XXXX XXXX Opened XX/XX/XXXX-Balance : {$410.00} This debt does not belong to me and Ive disputed this before
Product: Mortgage

My mortgage debt collector, PennyMac, recently sent me my Escrow account projection report for 2016. PennyMac had added another column of " Required Escrow Account Balance '' numbers which reflected another {$650.00} over and above the required and lawful planned event that has taken place in the past. When the homeowner reads the projection, you feel that you are now required to start doing this ...., and you do n't! The Escrow has already been planned properly for the upcoming taxes and insurance and is buffered correctly for a XXXX balance XX/XX/2016. I can see that a homeowner would feel pressured and obligated to start paying this exorbinate amount and/or posssibly NOT be able to pay the increase and lose their home because of their ignorance of the actual requirements. I contacted PennyMac about this and after a 10 min conversation, they graciously " waived '' the required column on the projection sheet. Only, I feel because I called and noted the already proper Escrow that was in place. This is a dangerous practice by the debt collector PennyMac and needs to be stopped.
Product: Vehicle loan or lease

I have an auto loan originally financed through XXXX, which was then sold to Bridgecrest.  Bridgecrest does not provide detailed monthly loan statements on their website nor will they mail out a detailed statement. I have to call them and request a statement every month, then they merely email me a " transaction history '' for the loan which does not break down any of the loan terms. I have no way to verify they are charging interest as agreed upon with the initial loan contract or that they are applying my payments to principle on the simple interest schedule. I feel very insecure about this process and wish the information for my loan was provided to me in a detailed statement monthly. This is the first auto loan I have ever had that withheld information from the consumer in such a way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to cancel my monthly subscription that I was not suppose to get billed for another day and to have my money refunded. Their customer service declined and would not change my monthly subscription to the free service as of today. The escalation line refused to do so and hung up on me. The amount is for XXXX.
Product: Debt collection

Received debt collection letter from Hillcrest Davidson on XXXX for {$220.00}. 
This is a false billing. I had alarm services from XXXX XXXX for several years for which I paid them hundreds of dollars. In XX/XX/XXXX I emailed them and asked them to discontinue services. I received no response. In XX/XX/XXXX my credit card company stepped in and called the company.The credit card company was told I couldn't cancel service. The credit card company arbitrated the dispute and decided to cut the billings off. I called XXXX to discuss, and their rep lied to me saying he had no supervisor. He told me I could not cancel service. There is no signed contract. XXXX made numerous calls including from phantom phone numbers to get me to pay for services which they did provide and I told them did not want after the credit card company arbitrated in my favor.
Product: Debt collection

Consumer ADJ Co has a charged off debit on all my credit reports for {$23000.00}. I am disputing this debt according to 15 USC 1681. I have never had an account with this creditor and I have not given permission for this information to be furnished.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Todays date : XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

My wife and I have a mortgage on our property and the loan is serviced by Ocwen. We received a notice from Ocwen stating that by law they are required to cancel PMI payments when the amount we owe reaches 79 % of the value of the home. We started paying off our loan on XX/XX/XXXX. We put down an additional {$10000.00} on XX/XX/XXXX and the amount we owed on our home was {$130000.00}, original value of our home was {$170000.00}. We owed 77 % of the original value of our home on XX/XX/XXXX. Since then Ocwen has been charging us PMI payments of {$29.00} every month. Ocwen refuses not to remove PMI from our loan and refuses to return the 19 months of payments we have made which total {$550.00}. We need help getting our money back and also getting Ocwen not to charge us PMI when we don't owe it anymore.
Product: Credit reporting or other personal consumer reports

Capital One Financial Inquired on the following days. 
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

These ARE NOT soft pulls offering me credit cards. These are inquiries by a data furnisher who is obtaining information on my report to send to other collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the 3 Credit Bureaus requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX {$12000.00}.
Product: Mortgage

I applied for a HELOC with US Bank roughly 5 months ago. During this time I have provided all requested documents and information for the application. I have been given the run-around for months and told almost monthly I 'd get some kind of update. I have received no credit decision even after all this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$0.00} CXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern about the multiple unsuccessful attempts to remove fraudulent items from my credit file. This is the fourth time I am raising this issue, and it is disheartening that the problem persists, negatively impacting my financial well-being. I am seeking your immediate assistance in addressing and rectifying this matter. 

I discovered that my credit report issued by Experian, XXXX and XXXX Credit Bureaus contained several fraudulent entries that are not connected to my financial activities. I have diligently followed the dispute process as instructed on previous occasions ( first, second, and third attempts ), providing evidence to support the fraudulent nature of these entries. Despite my best efforts, these fraudulent items continue to harm my creditworthiness. 

I kindly request that you take the following actions to address this issue : Conduct a thorough and comprehensive review of the fraudulent items, considering all the evidence provided in my previous dispute attempts. 

Remove the fraudulent items from my credit file immediately upon confirming their fraudulent nature. 

Investigate the origin of these fraudulent items and take necessary steps to prevent their reoccurrence on my credit report. 

Provide me with written confirmation once these fraudulent items have been removed from my credit file. 

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries. 

I understand the importance of maintaining accurate credit reporting, and I trust that Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly. 

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. It is essential that these fraudulent items are promptly removed from my credit file and that the issues are fully resolved during this time frame. Failure to do so may necessitate further action, such as seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your immediate assistance to remove the following fraud items in my credit file : 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
Product: Debt collection

I paid off my medical collection, what I got because some person in medical ofgice did mistake. I got the bill. I cslled up to original collector, find out more about this bill. Lady at ofgice, said, sorry it was mistake, you are fine. Font have to pay anything. 
So I did not. 
After months I got letter from collection company! 
Iagreed pay. What I did, they promised re.ove the collection from report, and it not really happened. They removed it from XXXX but not from all credit analysis companies. 
I called again, no answer, they never called back.