23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My son received academic services through XXXX XXXX XXXX. When I was referred to XXXX in XXXX of XXXX, my husband and I were informed that our son could receive one-on-one, in person, tutoring services from one of XXXX 's academic tutors for three years. The start of services were provided through a one-on-one format with one of your academic tutors, but after the eighth sessions my son was informed that he would be receiving academic tutoring services via computer format. My husband and I were never informed that academic tutoring services would be switching from a one-on-one format to a computer format. We would not have signed up for XXXX 's services if we knew that they would be on the computer and not in person. This was not the type of tutoring service we pursed for our son, and I followed up with a representative of XXXX in XXXX of XXXX via telephone requesting to terminate services, in which I was initially denied and informed that nothing further could be done because the contract date had passed to cancel. Despite our rescission of the contract in XXXX XXXX based on this misrepresentation, Equitable Acceptance, who financed a revolving credit plan for XXXX 's services, has been attempting to collect {$1500.00} from us. Attached to this complaint are copies of the billing statements and the XXXX XXXX, XXXX letter sent to both XXXX and Equitable Acceptance reiterating our grounds for rescission and describing the provisions of California 's Consumer Legal Remedies Act violated by XXXX 's conduct. Instead of validating the debt in any way or responding to the content of the letter, Equitable Acceptance instead sent a billing statement on XXXX XXXX, XXXX. I believe this was sent in violation of the FDCPA and California 's Rosenthal Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a complaint was submitted to the cfpb complaint number : XXXX I requested the description to equifax Because the account XXXX XXXX is reporting innacurate information to all bureaus. This company said they reinvestigated this account as accurate but they failed to provide documentation of the procedures they took to validate this account, I would like cfpb to step in because this credit reporting agency its violating my rights. 

15 USC 1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Vehicle loan or lease

My wife has made multiple payments towards my XXXX auto loan account XXXX, but these payments are not being reflected in the remaining loan balance. Her bank has confirmed that NFCU has charged her card for these payments, yet they have not been posted to the account. I would like a detailed record of the payments that are missing. I would like an investigation on where the money that was charged to account went as she only on the XXXX loan. I would also like a detailed record on my second loan on the alleged missing payments as well on account # XXXX. 

XX/XX/XXXX - {$800.00} XXXX XXXX XXXX NFCU XXXX VA XXXX XX/XX/XXXX - {$790.00} XXXX XXXX XXXX NFCU XXXX VA XXXX XX/XX/XXXX - {$850.00} XXXX XXXX XXXX NFCU XXXX VA XXXX XX/XX/XXXX - {$900.00} XXXX XXXX XXXX NFCU XXXX VA XXXX XX/XX/XXXX - {$620.00} XXXX XXXX XXXX NFCU XXXX VA XXXX XX/XX/XXXX - {$810.00} XXXX XXXX XXXX NFCU XXXX VA XXXX XX/XX/XXXX - {$820.00} XXXX XXXX NFCU XXXX VA XXXX RECURRING XX/XX/XXXX - {$1600.00} XXXX XXXX XXXX NFCU XXXX VA XXXX RECURRING XX/XX/XXXX - {$1000.00} XXXX XXXX NFCU XXXX VA XXXX RECURRING XX/XX/XXXX XXXX XXXX XXXX NFCU XXXX VA XXXX RECURRING
Product: Payday loan, title loan, personal loan, or advance loan

Applied for a NetCredit loan and was was approved except for the employment verification process. I called each time I resubmitted my application only to be told that the processing department was calling an incorrect number in their attempt to verify my employment. I provided verifiable numbers for my employer, my employers third party verification service including an email address and portal information with employer code. I was told they can only verify employment by phone, which is fine, if the correct number is called for verification. I finally submitted an official employment verification letter along with my most recent application and it was again denied with the following language : Dear Applicant : Thank you for your recent application. Your request for consumer credit was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason ( s ) : Unable to verify employment It is apparent that my application was not carefully considered and I question if they even attempted to truly verify my employment in my subsequent application submissions. Between 5 different customer service representatives, I was told that they were forwarding the correct phone numbers to the processing department, but it does not appear the processing department is responding to any of the corrected information provided. 

I am verifiably employed and should not have my loan denied due to information that is available in multiple forms. If the intent is to verify information on my application, NetCredit has had every opportunity and all the information needed to do so. 

Therefore I must conclude, my application has not bee carefully considered.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/2021, I was texting a coworker who I've know for about 2+ years and was chatting about this investment that doubled my money and promised me the money in 12 hrs and I wasn't given any money back. I issued a fraud claim ( which the amount was {$28000.00} ) to my bank a few days later and had to wait over 10 days to get results or a answer, however, they denied my claim saying I was the one who sent the money and couldn't do anything for me. XX/XX/2021 I went to the bank in person and spoke with someone and they told me to file a police report and use that to reopen my claim.
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX, XXXX Last 4 socialXXXX RE : XXXX  XXXX ... ..-partial acct number. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my bit repor You are reporting a late payment on XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 and XX/XX/23 on the account ( XXXX ) .and accordance with the fair credit act XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the Reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX XXXX ) XXXX, has violated my rights. 15 U.S.C section 602 A states I have the right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written consent/ instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied for a car loan I was denied because my credit came back bad. When I looked m my credit report I saw several things that were not mine and should have never been on my credit : XXXX XXXX. XXXX. 
XXXX 'S XXXX XXXX. XXXX XXXX XXXX XXXX   XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. 
XXXX. XXXX. XXXX XXXX CR XXXX. XXXX XXXX. XXXX XXXX. XXXX 'XXXX XXXX XXXX XXXX. I was instructed to contact the police department locally and FTC, and I've done both.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and infromation I have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$960.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : - XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from a fraudulent activity, not later than 4 business days after the date of receipt.
Product: Debt collection

The company Capio Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX has submitted collections to my XXXX Credit Buero for 3 collection accounts. These are not my accounts. I never received anything digitally or in writing for these accounts. I have never been to XXXX XXXX which shows twice with two different amounts and XXXX XXXX XXXX. I have good credit, also I am floored that this company has my information and can place a collection on someone's account that isn't even theirs. Please investigate this company to the fullest. I will be filing other grievances with their location consumer protection agencies to get this resolve faster as this hinders my ability to finance and leverage my credit report which in turn affects my lively hood and my family well being.
Product: Mortgage

West Virginia Housing Development Fund ( WVHDF ) is incorrectly reporting balances on XXXX XXXX credit reports. They either need to delete XXXX XXXX completely or make the balances correct. I personally have a mortgage with WVHDF and on a monthly basis I have to dispute the incorrect balance. I also work for a bank and can see other WVHDF customers incurring the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year on or about the month of XX/XX/2020 I received a copy of my credit report from XXXX and I also received a copy of my credit report directly from XXXX  XXXX XXXX XXXX XXXX While going over the information contained in that report I noticed that their was a collection account that had been placed into my credit report profile, unbeknownst to me, that I did not recognize. 
Prior to the collection account being placed onto my credit report I did not receive any notifications whatsoever, in the mail. Nor, was I notified by any other electronic means, and/or via telephone calls. As a result, I decided to dispute the negative account that was adversely affecting my account directly with XXXX  XXXX XXXX XXXX XXXX, and also with the furnisher, XXXX, XXXX, respectively. I sent both XXXX, and the furnisher XXXX, XXXX Certified Mail Letters with Return Receipts through the US Postal Service pointed out to them the inaccurate information that was being reported. In addition, I respectfully demanded that they either correct the account in its entirety, or delete the account altogether. 

XXXX, refused to conduct a reasonable investigation on their own, but what they continued to do over and over again was parrot the information that they received from the furnisher, which merely stated that the account was verified as accurate, by the consumer. Even though the information that was provided to the from myself was a Validation Letter that I received directly from the furnisher that completely contradicted what was being reported by the furnisher, to the credit bureau. Even with irrefutable proof, XXXX  refused to even conduct their own investigation. 

Initially, when I first began to dispute the account information with the credit bureau, I also sent a Request for Validation directly with the furnisher, too. What I received in the mail from the furnisher was a Validation Letter that proved that the information that was being reported was in fact inaccurate. It is irrefutable proof that the account was being reported inaccurately. Not only was the amount inaccurate, but the date opened field was changed periodically. The date first reported field and the payment history fields were also inaccurate, and were changed periodically.
Product: Mortgage

In XXXX of XXXX we took out a loan that was supposed to be for XXXX, that ended up being over XXXX and a year longer than originally quoted. They added an old debt of mine that had been garnished from my wages My ex employer paid half of it but failed to pay the rest. I was told to sue my employer. Although they assigned her care and control of the debt in which she collected in full, i had to pay it again .... financed and over a 6 year term. We were desperate at the time because I had just been diagnosed with XXXX and the need was for a reliable vehicle to get back and forth to XXXX treatments. 
Over the next two years we went into foreclosure 3 times. We paid over XXXX to Liberty in fines, fees and interest. Every time we requested help from the company, we were repeatedly ignored or dismissed by XXXX XXXX. He intentionally targeted us and never gave us the same treatment as others. I requested a breakdown of fees and fines and costs only to be told he didn't have it in the system anymore and to ask their attorney for the breakdown. The attorney sent me back to liberty where he typed one up that didn't make any sense or match. I requested a forbearance as well as leniency. Denied. 
It wasn't until we contacted CFPB did they agree to " help ''. Their help was rewriting the loan for twice the original loan. There are fraudulent misappropriated money dealings, misleading loan documents that weren't and can not be explained, they have involved my mother in law now and have publicly embarrassed her as well as messed up some title work that they won't clear up. We have been charged for services that weren't rendered as well as not given paperwork on some new loan they have charged off. The first loan was satisfied yet never reported to the credit bureau. Our credit has been ruined and we feel humiliated and in fear of losing our home. We have offered numerous times payments but they will not be reasonable. I even tried to pay XXXX today in which I was denied. They are aware of mine and my husband 's serious health issues yet there is no consideration. As it stands now we owe XXXX dollars for a XXXX loan. 6 months ago we paid XXXX and it does not reflect
Product: Credit reporting or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT AND THE FOLLOWING DATA MUST BE BLOCKED WITHIN 3 BUSINESS DAYS : This correspondence serves as a formal demand for the removal of inaccurate and unverifiable information from my credit reports, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Please consider this letter as a notification of violations and a request for immediate action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Given the lack of proper debt validation, this account should be removed immediately. 2. Violations of Consumer Protection Laws The inclusion of the aforementioned accounts in my credit report constitutes a violation of : 15 U.S.C. 1681 ( FCRA ) which prohibits the inclusion of unverifiable or inaccurate information in consumer reports. 15 U.S.C. 1692k ( d ) ( FDCPA ) which mandates compliance with debt validation and verification requirements. Due to these violations, I am entitled to {$1000.00} in damages for each instance of willful non-compliance. Given the nature of these inaccuracies, I am seeking a total of {$1000.00} in damages. 3. Legal Consequences and Remedies Please be advised that your failure to address these disputes within the statutory time frame will compel me to pursue legal action. This may include initiating a civil suit for damages and seeking enforcement through legal channels. Your prompt attention to correcting and removing the disputed information is required to avoid further legal proceedings. Please confirm receipt of this letter and provide written confirmation of the actions taken to address these disputes. I expect a response in compliance with the FCRA requirements. Thank you for your immediate attention to this matter. I have never done business with these company and I don't have any knowledge of this debt
Product: Credit reporting

Someone has used my social security number to make XXXX attempts to apply for a credit card using my former maiden name. Fortunately this person has never succeeded, but I am left with XXXX hard credit inquires on my credit report with TransUnion. I placed a XXXX day fraud alert on my credit report. This person has made XXXX attempts to this creditor : XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

My fianc XXXX XXXX had a legit settlement check from XXXX  XXXX  adjuster phone XXXX I have the email and valid claim and XXXX chime frozen my account and I have several deposits on the way I have submitted all documents so did XXXX and I havent received a response or my money I am awaiting my social security deposit and I will fall behind in my bills if I can get my money please help Im being XXXX  discriminated against XXXX XXXX XXXX and Im exspecting my pay check this week
Product: Credit card or prepaid card

My bank statements were changed somehow to be received online rather than paper. 
When I call Bank of America they said it was an internal error. 
I have opened a dispute since the incident happened in XXXX of XXXX. 

I have had this account opened since XXXX of XXXX and never paid late. 
I take pride in making on time payments. 

I am hoping we can reverse this error because it cause my XXXX XXXX to drop significantly. After my dispute they said they were not able to change the history. 

I feel I should not be penalized for their systems error.
Product: Mortgage

Specialized Loan Servicing has misapplied payments, payment amounts has an incorrect loan as well.

This started because my bank mistakenly cancelled my payment and so I received a late payment on my credit score. To resolve this I have called and messaged this company numerous times. 

I have overpaid most months, until this happened and was told that if I didn't have a late payment prior, it was usual to have the credit reporting favorably updated by different reps. No one was willing or able to help me or explain the outcome. 

Because if this I did a complete audit of my entire payment history to find out that they literally misapplied my money or didn't show a payment at all which impacts my over all balance as well as impacts my credit rating. 

I was advised there is literally no escalation path or someone I can speak with that can help me resolve or receive help. I am told that there is NO, NONE, ZERO escalation service or managers and that all teams are completely separated and calls can not be escalated or transferred.

Main discrepancies : Show a payment of XXXX in XXXX. First payment wasn't due until XXXX. 
From XX/XX/XXXX- XX/XX/2018 my loan was sold 3 times SLS payment of XXXX on XXXX was not actually applied to my loan balance for XXXX and my overall balance and interest have been incorrect since then My late payment in XXXX, which is where I am requesting that I am provided assistance to correct my credit rating doesn't show my payment on XX/XX/XXXX and XX/XX/XXXX for both months My XXXX payment of XXXX was misapplied to Interest in the form of XXXX and a giant leap in Escrow My XXXX payment has the same issue.