23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX  XXXX Balance Owed {$7300.00} XXXX XXXX XXXX Balance Owed {$2800.00} XXXX XXXX XXXX Balance Owed {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The account reported a late payment for XXXX  of XX/XX/2020during the " COVOID-19 '' pandemic. I called the company before my due date and asked for an extension. The extension was granted, which the rep told me this would not be considered as a late payment I would just incur interest. I tried to get the company to chnage the remark, but no feedback or assitance was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with 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 account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Reference XXXX XX/XX/2020 LETTER OF DISPUTE I disagree with the outcome of the dispute with XXXX XXXX XXXX for the amount of {$650.00} posted on XX/XX/2020 on my XXXX Chase XXXX account. 

On XX/XX/2020 Ive made two purchases with different XXXX XXXX for the amount of {$650.00} using my XXXX Visa card one of the transactions was made with in store purchase ( XXXX  XXXX  XXXX ), another one was made using XXXX XXXX ( XXXX  XXXX  XXXX ). Both charges were for the XXXX XXXX XXXX  which Ive purchased but had to return. 

While XXXX  XXXX  XXXX transaction was properly refunded as shown on my account, XXXX XXXX XXXX wasnt refunded even though the return was completed via XXXX Tracking XXXX XXXX XXXX on XX/XX/2020 within XXXX Return & Refund policy. Please consider supporting documents attached. 

On XX/XX/2020 Ive received a message from Chase, stating that my billing dispute was closed because the merchant is already issued a refund, which isnt correct, because XXXX XXXX XXXX didnt refund {$650.00} back to my account. 


Therefore, Im kindly asking to reopen a billing investigation, consider all the supporting documents attached and credit back {$650.00} back to my account. 




Kind regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

These Cards or Accounts were opened fraudulently as a result of my personal information that was stolen which I have Reported previously. Remove Immediately. Please Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Sent letter to credit reporting agency to update/correct my personal information ( name, address, ect ). I provided proof of my identity and address for this to be completed and it still has not. They are also listing NUMEROUS phone numbers that ARE NOT mine and listing employers that are not current.
Product: Mortgage

Below is the email I sent them detailing my issue, and they have not been responsive : Dear Fay Servicing Team, I hope this message finds you well. I am writing to formally request a review and adjustment of the default interest charges applied to my mortgage account ( # XXXX ). 

My loan was in default up until XX/XX/year>, at which point it was brought current via a wire I sent for {$2900.00}. 

However, I noticed that default interest continued to accrue and was charged up until XX/XX/year>, when the loan closed. I believe this additional interest charge was applied in error, as my loan status was no longer in default after XX/XX/year>. 

I kindly ask that you review my account and adjust the charges accordingly to reflect the correct default interest period. I would appreciate it if you could provide a detailed explanation of the charges and confirm the adjustment once it has been processed. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Debt collection

In XXXX XXXX, while in the midst of refinancing my home in XXXX XXXX, Calif., I reviewed my credit report and noticed a collections charge off in the amount of {$4000.00} for an apartment complex in Georgia I have never heard of. 

On Monday, XXXX XXXX, XXXX, I contacted National Credit Systems , Inc. in XXXX, GA, the collections agency associated with this charge, to dispute the charge. The name listed on the charge is not my name, and I have never lived, worked in, or even visited Georgia. They said they would send me a fraud package to fill out. 

What I received was a letter dated XXXX XXXX, XXXX, informing me they had investigated my dispute and had not received information sufficient to validate it. They said their creditor had previously validated the debt as well. They enclosed a move out statement from XXXX XXXX XXXX XXXX XXXX. In XXXX, XXXX, with detailed costs totaling {$4000.00}. 

At this point, I am providing them with further documentation for my dispute. But because they have already failed to send me their fraud package before investigating their claim, I do not have any confidence they can be trusted to do the right thing without involving the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent two letters prior to ALL 3 credit bureaus in regards to fraudulent accounts on my credit that I've been working to get removed and have yet to get any result sufficient for this situation. 

I would like for the reporting agencies to please investigate and remove also Update my credit report. 

The issue is that fraud should not be allowed but even more once the fraud is noticed and I've requested that these matters be investigated the bureaus are not taking the diligent approach as they did when they reported and allowed the fraud to be there. 

these are the current reporting accounts that are fraudulent and I would like removed : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX ACCOUNT # XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone used my info to open Experian account. I am unable to login or view the status of credit freeze that i requested. I found out about this on XX/XX/year> when trying to open experian account. Previously, when i tried to open experian account it said it had problem verify my identity so i thought it was technical error and tried to contact help line but Experian help line did not provide any assistance. I found someone was using my account after multiple attempt to create new account. I had already previously submitted police report on identity theft after noticing new collection account on my credit report. I also found that the identity thief did hard inquires. I was able to freeze credit on XXXX and XXXX but am unable to verify status of freeze on Ezperian because it requires user sign in and the identity thief 's email and phone number is used for verification.
Product: Credit card

I logged into PayPal to pay a fee and they enrolled me in a payPal Credit account without my permission! And they used my old name which has not been used in years ( XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Informed fraudulent account I was the victim of identity thief, a long with each credit report agency starting back in XXXX of 2017. I since then have sent out FTC reports, and still account are coming back verified.
Product: Credit card or prepaid card

I've been trying to open a dispute for XXXX since XXXX of XXXX and discover has been refusing to, i even spoke to a supervisor who sent me to the billing department who failed to open it and even tried following up with them again and got nowhere this is all reflected in my chat history. their app also sucks and informed them that it just crashes in the messaging portion of it, online through the actual account does the same thing. additionally i will not work with anyone named XXXX at discover and he should not be involved once this complaint kicks over to them. 
Order date was around XXXX. Returned XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

They do not have my permission to report on my consumer credit report. 
I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine letters have been sent certified mail and return receipts have been received by me. 

These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : 1. XX/XX/2022 XXXX XXXX XXXXXXXX XXXX. XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/2022 XXXX XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX. XX/XX/2022 XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting a Bankruptcy along with bankruptcy account on my credit report. This information does not belong to me and should not be on my credit report. I sent in numerous disputes and return EXPERIAN stated that they verified this fraudulent error information. Experian also stated that the they used a vendor to verify the fraudulent ERROR BANKRUPTCY. If Experian would actually do their job. they will see that this is a mistake and that all errors should be removed immediately and blocked so that this does not occur again. Also Experian claimed to have sent information on the verification but I have not received anything. Also Experian is requesting a copy of ID ss card and proof address which I already sent. and will attach again.
Product: Credit reporting or other personal consumer reports

I've recently pulled my credit report and noticed inaccurate accounts. I have asked the bureau several times to provided me why they are reporting inaccurate information and to remove still haven't removed incorrect information.
Product: Credit reporting or other personal consumer reports

National Credit Adjust has violated me as a consumer. I'm unaware how they've obtained my person information, but I did not give them permission to my personal information or consumer report per 15 USC 6802. National Credit Adjust began accessing my consumer report on XXXX XXXX XXXX for an amount of {$2300.00}.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only  be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. I have already sent the required/necessary files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Please update the accounts that are erroneous in my report. 
XXXXXXXX XXXX XXXXXXXX Balance : {$64000.00} XXXX XXXX XXXX Balance : {$380000.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX, I ordered two pair XXXX XXXX XXXX embelished leather Stiletto Sandals ( one black and one nude ) from XXXX XXXX ( merchant ) using my Discover credit card. The black pair of shoes arrived with no problem. However, the nude pair never arrived. Instead, what arrived in the package was a pair of worn XXXX XXXX XXXX beige pumps in a XXXX XXXX box ( see pictures attached ) that I did not order. 

When the worn shoes arrived on XX/XX/XXXX, I immediately phoned the merchant who sent me a label to return the shoes back ( see attached ). I immediately returned the shoes back to the merchant with a letter stating the shoes they sent me were not the shoes I ordered. On about XX/XX/XXXX, I received the dirty, old shoes back again from the merchant telling me the shoes were not sold by them. 

On or about XX/XX/XXXX, I phoned the merchant 's customer service number on their letter XXXX. I was transferred to a customer service manager/supervisor in XXXX XXXX, who barely spoke English and was not familiar with consumer rights per the United States. I asked him to start an investigation and send me videos of the shoes being packed and sent to my home, which he did NOT. I told him that he needed to start an internal investigation because either a dishonest employee or courier took my new shoes and sent me dirty, old shoes. The supervisor did NOT care. 

I then turned to the Discover ( the credit card company ) to dispute the purchase charge. Discover pretended to start an investigation and months later add the charge back to the account. Discover decided to side with the merchant. Per the last Discover credit card customer service agent, ( XXXX in XXXX ), I spoke with on XX/XX/XXXX, " she is sorry for what happened to me, but XXXX XXXX is their client ''. I have left several messages for Discover supervisors to call me back but Discover has gone silent and does NO longer discuss the above case with me. When I call Discover,  customer service place me on hold and tell me they do not have any supervisors or managers in the whole institution that is available to speak with me. 

This is a fraud. I have been a victim of consumer abuse and economic crime by two powerful institutions. They stole from me by charging me for merchandise that was never delivered to me. I feel disgusted and overwhelmed with this situation. Discover has given me the run around since XX/XX/XXXX and keep on charging me the {$74.00} to my statement. I pay all my bills timely, however, I am not paying for this item that was not delivered to me.
Product: Debt collection

I received notification from Convergent Outsourcing on XX/XX/23 stating that I have a debt balance owed to XXXX of {$270.00}. I have contacted XXXX/directly and verified I am not in debt collections. Letter was dated from convergent on XX/XX/2023. I believe that they are trying to commit fraud from me.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX date of last activity ) XXXX XXXX ( inaccurate date of last activity ) XXXX XXXX XXXX XXXX ( inaccurate date of last activity ) XXXX XXXX XXXX  XXXX ( inaccurate date of last activity ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX inaccurate date last activity ) XXXX XXXX XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( inaccurate date last activity ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( inaccurate date last activity ) XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXX XXXX XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXX XXXX XXXX XXXX ( inaccurate date last activity ) XXXX XXXX XXXXXXXX ( inaccurate date last activity ) XXXX XXXX XXXXXXXX XXXX ( inaccurate date last activity )
Product: Student loan

MOHELA continues to try and take advantage of its consumers. This is extremely frustrating. 

XX/XX/XXXX - XX/XX/XXXX : Severe payment misplacement issue with MOHELA. I contacted them repeatedly through emails and phone calls. Nothing is done about my incorrect payment. Eventually, I submitted a complaint to the CFPB. I'm notified that MOHELA needs to " do more research '' to resolve this issue, and is still working on it. I checked my MOHELA account XX/XX/XXXX and nothing has been resolved yet. 

XX/XX/XXXX ( today ) : I check my MOHELA account and the loan has been completely removed from my account. Instead, a {$16.00} payment has been shown as " processed '' for my account. They just keep taking shortcuts. 

I went to check the status of my other loans, and I saw a {$5000.00} loan on my account that I never took out. I sent them an email through their website 's inbox system about it. 

After a lot of concern over this {$5000.00} loan that I never took out, I realized that they weren't charging me extra, but taking a shortcut to my detriment. Instead of creating a new loan in the system, they combined my Fall XXXX {$2500.00} loan with my XXXX XXXX {$2500.00} loan. This wouldn't be an issue, but that means the XXXX XXXX loan has a disbursement date that is 3 months earlier, and means I'll have to pay it off much earlier, which I can't afford. They've also listed the loan as already accruing $ XXXX of interest, which is not true, because that second {$2500.00} was added on later. 

TL ; DR : MOHELA has continuously caused problems for me. Now, they've taken a shortcut by combining one of my new loans into an old loan, and falsely increasing the amount of interest accrued on the old one.
Product: Credit reporting or other personal consumer reports

This XXXX account is not my account due to theft
Product: Student loan

After I contacted CFPB about this Navient issue, due date was postponed to XX/XX/XXXX,  according to the attachment. Shortly after, Navient changed the due date to XX/XX/XXXX. 

Due date should be XX/XX/XXXX and not XX/XX/XXXX Last year, I sent multiple requests to Navient to correct the date of the Deferment or Forbearance or whatever you want to call it at Navient. 


My priority is to finish what I started over here ... At this point, the focus is on completing the education to become licensed in XXXX. I am doing combined XXXX/XXXX/XXXX program in XXXX. 



I owed the U.S. government much more money than Navient/XXXX. Despite XXXX  is no longer approved to receive Federal loans, U.S. Dept. of Education is collaborating and reduced my payment to XXXX per month. Navient/XXXX are known to give students a hard time. 


Again, as I can not make any payment at this time. Co-signer can not make any payment either. Stop harassing the co-signer. 


This Navient loan was processed in a cheating way via XXXX and XXXX. I applied for federal loan first XXXX and XXXX had refused to process the federal loan but XXXX XXXX private loan. XXXX   was still eligible for Federal loan. Then XXXX and XXXX forced students to find a co-signer or drop out of school. I and other victims found out about the scandal because there were two U.S. military students in school who got their Fed loans processed directly ... So it was a lie, to get student to take private loans from XXXX, instead from U.S. government. Other students, like myself, complained about it. XXXX  never provided an explanation. 


Navient/XXXX are being tolerated. If the system was functioning correctly, I and none of my classmates would sign up for this loan.
Product: Mortgage

having been serviced by Shellpoint sinceXXXX the escrow accout has been incorrect as the loan was boarded to their systems incorrectly as a result we have twice had to make payments of property taxes directly to the relevant tax authority in XXXX and XXXX of 2021 the XXXX payment we made was refunded to escrow correctly les about {$54.00} in penalties the XXXX payment made was in the amunt of XXXX to date the servicer has refunded to escrow an amount of XXXX, leaving XXXX unpaid the figures showing as repaid in no way matych the figures that were paid out - so have been chasing for some 6 months now requestng that the full amount of XXXX be credited AND NOT ESCROW but as a repayment of funds back to the borrower despite chasing and going round in circles for 6 months I am getting no closer to a resoution