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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact
Product: Credit card or prepaid card

I opened an account with XXXX XXXX XXXX in XXXX. I was charged a {$95.00} annual fee for the card in XX/XX/XXXX for the following program year to XX/XX/XXXX. Barclay 's advertised as one of the key selling points of the card that spending to a certain threshold would yield an equivalent {$3000.00} credit with their co-brand partner, XXXX XXXX. In good faith, I paid the annual fee to Barclays in XX/XX/XXXX and began charging spend to the card to reach my goal by year-end. Less than 3 months later, they have removed this benefit with no consideration for the year I have paid a fee. Barclay 's refuses to refund any portion of my annual fee while I am attempting to close the account.
Product: Student loan

My previous XXXX complaints with CFPB against MOHELA can provide background information. This is the latest message I've sent to MOHELA, which reflects the same question I asked them on the phone today, regarding the latest error/problem they've caused in the extensive journey of problems I've had with them since XX/XX/XXXX. 

" Please see notes in my account from XX/XX/XXXX. Representative XXXX ( ID # XXXX ) & her supervisor helped me submit a SAVE application and it was set with expedited status. I was promised this would be processed no later than XX/XX/XXXX. Why was this XXXX application submitted XX/XX/XXXX cancelled? IT SHOULD NOT BE CANCELLED. I received no correspondence about this - what is happening? Please, for the love of XXXX, have someone assist EFFECTIVELY with this. MOHELA has screwed up several SAVE applications of mine since XX/XX/XXXX. What on earth is going on? '' On XX/XX/XXXX, a MOHELA rep ( XXXX, ID XXXX ) told me that she confirmed via MOHELA 's internal documents that my first SAVE applications were somehow incorrectly processed as PAYE applications- which is insane, because I'm already on the PAYE plan, and very clearly requested the applications be made for the SAVE plan. 
XXXX then told me her supervisor was processing an expedited SAVE application on XX/XX/XXXX, and that I should hear back no later than XX/XX/XXXX. Obviously that did not happen. 

This is not hard. MOHELA : Just process the SAVE application. If it's not approved, fine, JUST TELL ME. COMMUNICATE CLEARLY.

The incompetency is surreal at this point.
Product: Checking or savings account

When I obtained my mortg age with Charter t hey ( without my express approval ) opened a " free '' checking account in my name. They later unilaterally transferred my mortgage and checking account to their affilia te Citizens B ank and started charging undisclosed monthly fees since the date of the transfer. They never informed me of any new fees associated with their decision, sent me notices of their debits from my account, or offered my the opportunity to close the account. I received a notice on   XXXX   XXXX   XXXX    , notifying me that they had withdrawn all funds in the account and that I now had a negative balance and needed to transfer funds to  Citizens Bank.   <P/> To be clear, I never wante d an account with Citizens Bank, I did not want an account with Charter Bank, and never consented to me being  charged fees.  <P/> Per  Citizens, while they agree that they did waive all " monthly maintenance fees '' the fees charged to my account were a separ ate category of charges called a " dormant account fee. '' Citizens was unable to provide the total amount withdrawn from my account without my consent.
Product: Credit reporting or other personal consumer reports

Im requesting for all student loan to be removed from my credit report per 20 USC 1232 ( g ) 5 USC 552 ( a ) ( 34 CFR 99 ) and The Private Act Of 1974 ( FERPA )
Product: Student loan

My student loans were previously serviced by Great Lakes. Without my request or consent my loan was transferred to be serviced by Nelnet, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX On Sat, XX/XX/XXXX, at XXXX I was sent an email by Nelnet stating : " Our records indicate that you are currently in bankruptcy, and Nelnet provides this notice for informational purposes only. This communication is not an attempt to collect a debt and shall not be construed as a demand for any payment. '' I attemtped to call and could not get through. 

I am not in bankruptcy and this was a complete error on their part. I want to understand if I am still liable to them for any funds. 

Sat, XX/XX/XXXX, XXXX - A correction notice was sent but this is highly confusing and not a clear resolution to the error on their end. 

I have made many attempts to call but I have been unable due to what they state as high call volume. 

I sent an email to them regarding the issue in hopes of a resolution as I have not been able to get anyone on the phone. 

Thank you, XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services in XXXX 2015. Carrington sent me a new escrow statement indicating that they have decided to collect XXXX of our escrow amount in accordance with federal law. My payment is increasing by {$130.00} a month. XXXX XXXX XXXX never did this and even when an escrow shortage occurred my payment increases were no more than {$50.00}. I am angry that a mortgage company is allowed to get away with this type of treatment. Particularly when the shortage has been artificially manipulated by making escrow disbursements XXXX month before they are due!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Ive sent XXXX XXXX  and equifix 4 dispute letters stating unverified items and inquiries listed under my report dispute SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 My Profile has been and currently under Litigation and after over 4 months going on 5 Ive yet got any letter or any copy of the original creditors documentation on file to verify that any of this negative information is mine and is correct. They have failed to provide correct verification and Ive stated to them to respectfully deleted these information off my consumer file and it has been over 4 months and no response!
Product: Money transfer, virtual currency, or money service

While transferring money from my bank ( checking account ) no disclosures had been provided in past transactions. The only way I was able to verify my transactions were made correctly, I had to confirm with the participating party
Product: Debt collection

My daughter was XXXX and her medical bill was sent to collections because I could not afford the payments. The collection company put me on a payment plan of XXXX a month. I missed a payment a couple of times and always made up the payment the next month. When I received notification that I missed the bill it always showed a balance of XXXX which is the two months combined. When I called in to pay the bill they saw I missed last months payment and said I needed to pay the XXXX. After I made a double payment they always said my account was up to date and my next payment due was the following month. I missed three months but always made it up the next month. I received a letter in the mail 2 weeks after I made a payment that my account was in default. I called stating I did not understand that I always made it up and when I made my last payment XXXX/XXXX/16 that I was current until XXXX/XXXX/16. The representative told me I missed those 3 payments and now my account is about to be reported to my credit score unless I pay XXXX to make up the three payments I missed. I stated I made double payments and she said she recognized the double payments but they were never applied to the month missed I just made an additional payment. Now if I do n't pay XXXX or my full balance my account will be reported on my credit score. Not once was I ever told when I called in my account was about to be defaulted or that they were not making up that missed payment. I asked to speak to a manager and after I was placed on hold for 5 minutes the representative told me her manager would not be able to speak to me because he was stepping into a meeting and that he would just tell me the same thing. If this is happening to me it is happening to someone else. People are in collections for a reason and she be helped not taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not confirm registration for the " trusted id XXXX '' Equifax product which monitors thefts and givers one-million dollar insurance for free for XXXX year. XXXX They will not confirm me on the phone at the number given on the registration website XXXX and refer me to a different number. There is no answer at the second number XXXX. XXXX The link that they sent to me to confirm my registration via e-mail will not allow me to connect to complete the confirmation procedure saying their " cloud coverage does not allow service in my area ''. I am in XXXX but a U.S. citizen with U.S. bank credit cards. **** Simply put, they will not allow me to complete confirming my registration which is necessary but is an extra step in the process that is totally not needed once I have registered and should be eliminated. **** Once I register for protection there should be no additional registration steps needed.
Product: Vehicle loan or lease

Ford Motor Credit keeps reporting my account to XXXX  late over and over. Now its showing that Im currently 4 payments past due, but the past due amount is {$0.00}. I have called multiple times for them to fix this only for it to never get corrected. XXXX  and XXXX  are reporting correctly. Its just XXXX  that Im having such a hard time with. Im not past due at all.
Product: Checking or savings account

Dear Sir/Madam, I 'm very frustrated with Investors bank. I have had a relationship with them for 10 years and they chose to close my checking account after 2 months of no activity. 

I have consistently used that account the last 10 years, to make periodic deposits and to make occasional principal reductions to my mortgage. On XXXX XXXX I made a transfer which processed, and then one in XXXX and XXXX, which were both returned since the account was apparently closed. When I called the bank I spoke to XXXX, and she said the bank should have called or emailed me a notification about the closure, and she would look into it. She called me the following day and advised that they can close the account at their discretion, and never provided me an explanation. I asked to speak to a supervisor, and I spoke to XXXX. She promised to look into it. It has been 3 weeks and I have not heard back. I called and left a message for her on the XXXX. 

My mortgage is paid promptly, and it would be nice to understand why my account was closed without notifying me. The only reason I can see is that their new accounts charge fees, and they want to migrate their clients to those more profitable fee based accounts. 

Does n't feel like IB really wants my business. 

Thanks so much for your assistance. 

Kind regards, XXXX
Product: Checking or savings account

Wells Fargo let a lot of unauthorized transactions happen causing unnecessary fees to occur
Product: Debt collection

The debt in my name was paid in full and appears as such under my credit report. The problem I am having is that per policy of Rent Debt Automated Collection agency, they keep the account on my record. The account still appears as a " collection '' account and will be on my record until 2029. I believe this is gravely unfair and predatory as a an account appearing in " collections '' reflects negatively and makes me look like a risky candidate. The account has been paid and should be removed entirely from my credit report as it has impacts on future credit opportunities, financial aid for graduate school, insurance for my automobile, and the likes. 

I have called XXXX and asked for them to remove it from my credit and was told, that " per XXXX  policy it will remain as as a paid in full collection account until 2029. ''
Product: Mortgage

I called trying to get a loss mitigation option to short sale my property. I litigated through my attorney the foreclosure. I believe that the mortgage was not properly foreclosed on in accordance with the laws XXXX XXXX and XXXX. I personally feel that the investor lack standing to foreclose. They do not have a original mortgage note properly endorsed to them. 
The law firm that prosecuted my foreclosure did not send their motion for judgment of foreclosure to my attorney of record. This is the fact even though my attorney was on record as my representative. The judgement of foreclosure was granted with out opposition. 
I had some contact the XXXX XXXX XXXX XXXX on my behalf requesting a short sale to avoid the foreclosure. After being told to call back with proper authorization they were told that the investor does not do short sales. Moreover that after the sale the lender would give {$6700.00} for keys. Their would be no consideration of a deed in lieu or other loss mitigation option. 
I believe that they refuse to accept any other loss mitigation option because they are aware of the violations of my rights in the mortgage recovery proceeding and wish to clean it up by sale.
Product: Credit reporting

I have an inquiries with XXXX XXXX Dealer from 2015 on Equifax credit report that I never applied for, I already fill up the Identity Thief Affidavit and send to all XXXX credits bureaus. I request this information to be update.
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 Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 sent a letter out on XX/XX/XXXX to " XXXX XXXX XXXX XXXX XXXX XXXX. Heres my tracking number XXXX, However the collection agency said they completed an investigation and everything was accurate. 

Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.
Product: Credit reporting or other personal consumer reports

On XXXX I disputed the information reporting on my report for XXXXXXXX XXXX as it is incorrect and to be removed as per the FCRA & FDCPA. TRANS UNION proceeded to say that they investigated and the company reported that it was accurate. Moving forward it appears that TRANS UNION not only did not request the investigation but lied and provided me with an update saying that it had been verified as accurate. This is serious fraud and I fully intend to pursue. It is my hope that the CFPB does its job and doesn't turn a blind eye to punishing a big corp., for providing fraudulent information to consumers. It would certainly be unfortunate if the public perception was that there lawful disputes are being ignored and consumers are being fed false information with respect to their legitimate disputes. 

Please find enclosed a copy of the so called results sent to me by TRANS UNION, along with a current snapshot of the account provided by the XXXXXXXX XXXX ACCOUNT WEBSITE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, TranUnion, XXXX has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

These addresses do not belong on my credit report. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Michigan XXXX These addresses do not belong on my credit report.
Product: Mortgage

This is in reference to COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX Concerning Carrington 's  mismanagement of resolving mortgage assignments and recordings for a partial lien release. The closing for the property was to be XX/XX/XXXX. Because of the delay the buyer backed out of the sale of the vacant lot, {$35000.00}. My attorney did not receive the paperwork releasing the lien until XXXX of XXXX. XXXX XXXX
Product: Debt collection

I went to see a doctor for general appointment in XXXX XXXX hospital in XXXX XXXX on XX/XX/XXXX. I confirmed before going that it was covered in my insurance. 

I paid XXXX $ copay when I went there, doctor did my XXXX XXXX without giving me any estimate and without asking me. I was told that I will have to pay only co pay. 

On XX/XX/XXXX I was shocked to see {$350.00} bill from hospital. I wrote a certified letter to XXXX XXXX XXXX hospital on XX/XX/XXXX ( attached ) mentioning above details and never got any response. Instead of reply I received letter from Collection company on MEDICREDIT XX/XX/XXXX. Again I wrote letter with certified mail to Medicredit on XX/XX/XXXX ( copy of letter attached ) and wrote that charges are not valid and asked them to send me documentation, agreement and other information asked in letter. But they never replied and sent me collection notice again on XX/XX/XXXX without providing me documentation any information. 

I sent again certified letter on XX/XX/XXXX with copy of my earlier letters sent to XXXX XXXX XXXX hospital and to MEDICREDIT and asked them again to send me verification agreement / documents that there is valid basis for claim. But again they did not provide and documents and harassing me by calling and sending collection notice. 

I am finding myself helpless in this situation. XXXX and Medicredit does not have any verification documents and threating me to report it on my credit file. 
Please help me to resolve this issue and take strict action against malpractice of Hospital .I dont owe anything to XXXX XXXX hospital , XXXX XXXX .
Product: Credit card

This in reference to complaint XXXX. 

I would also like to add disparate treatment to my claim. XXXX said I was ineligible because I responded to a balance transfer other than XXXX XXXXs. Why am I being penalized for not have as much money or funds as a more wealthy customer? I'm being discriminated against. Wouldn't more protected groups respond to a balance transfer? And why would you penalize a person for taking a balance transfer when the product that is being offered has a pay in full term? It simple comes down, that only the rich can get the bonus offer. Those customer who have a financial need to respond to a balance transfer will never get a bonus offer for the XXXX card from XXXX.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. ALLY FINCL XXXX has been paid and closed since 2022 but on my report, this is still showing with a balance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or ALLY FINCL customer service representative.