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

Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the repossession I dispute on the attached copy of the report I received. 

This repossession is inaccurate because XXXX is reporting that my highest balance XXXX $ and XXXX  is reporting a different amount if you dont remove this wrong information Im ready to proceed with legal action because I made you all aware of this error a few months ago and this information is still incorrect. I am requesting that the item be removed Immediately
Product: Student loan

Navient is currently the holder of my student loan debt. They have misguided me on options of repayment. Therefore, my credit report has been greatly impacted.
Product: Debt collection

I am a card holder and have been one for some time. I have never experienced a problem until this month when one of your practices, obviously designed to deceive customers and trick them into late payments for which you receive additional fee benefits, caught me too.
The due date remains constant but cycle dates change which misrepresents when obligations are due and credited. My due date is the 6th. I made it on the 8th and you credited it to the month prior to the 6th and since I thought my payment was made I tendered no additional payments until I received a call notifying me my payment for XXXX was applied as an extra payment to a former cycle making me late. 

The customer service rep was nice and required me to make a double payment immediately. 

You should not be allowed to arbitrarily apply payments to enhance your fee income. I also believe the double payment was arbitrary, unnecessary and saddled me with an additional amount due, which I did, but it I believe it is overkill. 

I have had this care for a long time and have a balance now because I am doing some home improvements. I plan on paying it off in the next couple of months and will likely close out this relationship because of this unethical and possibly illegal practice. 

I will be sending this complaint to the Office of the Consumer Financial Protection Bureau in the hope that it will open an investigation and possibly to force you to return to fair credit practices. I also wonder how many other consumers have suffered because of this practice. 


Sincerely, XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau.
Product: Money transfer, virtual currency, or money service

I was the victim of fraudulent activity from someone posing to be a company and led me to pay for a service that I never received. I paid a total of {$4000.00} via zelle. I called chase to open a claim and they told me they can not help me and closed the claim. I also called zelle and they said I have to call chase. They did not help me and these people are still out there scamming other people because nothing had been done at all. The recipients have disappeared Zelle payments were made to a XXXX XXXX On XX/XX/2022 for {$2000.00} XX/XX/2022 for {$500.00} XX/XX/2022 for {$500.00} XX/XX/2022 for {$500.00} XXXX XXXX for {$500.00}
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XX/XX/year> {$680.00} By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account is not reflecting correctly on my credit reports, Equifax is showing my account as closed after numerous disputes and documentation sent to prove account is open still no resolution account still showing as closed, contacted my mortgage company they stated that they are reporting the account correctly.
Product: Debt collection

I have contacted JH port debt in the past. I accomplished nothing. I do no t even know why they say I owe them. Bc if I had, they would've been on my past bankruptcy, in XXXX, XXXX. I know for a fact this company changed the dates for their convenience too. It annoys me bc I'm trying super hard to get my credit score up good enough to buy this house I live in. From my mom. But everything affects your score. I just am trying to do better. I don't need this company in my credit score. I really am desperate for help. Thanks
Product: Debt collection

I have asked for the wet signature, original contract, the account is showing " open '' with a " past due balance ''. Name of the original creditor and account number. An itemized statement of the current amount including interest, fees, payments and credit history.
Product: Checking or savings account

The company Chime Financial , Inc., promoted a referral bonus in order to promote their product to friends and family. I have referred several people and have been waiting to receive the referral bonus. The company is doing false advertising. 

I am owed {$400.00}. Chime Financial , Inc. is participating in false advertising.
Product: Debt collection

Original creditor, which is XXXX, turned unresponsible debt over to XXXX XXXX XXXX, in which sold the debt to, now Gerald E. Moore and associates, who are now threatening to take me to court in 30 days and they told me to get a lawyer to represent me. I already have a case being looked at by you. That case number is XXXX regarding XXXX and XXXX regarding XXXX, who they first turned it over to.
Product: Money transfer, virtual currency, or money service

Square customer service maliciously treats customers, issues account XXXX instructions at will, and abuses the terms of service. The frozen funds will not be released after the account is deactivated for two years, and the email content will not be released in the first place. Contacted them, refused to respond to customer messages, and maliciously withdrew funds from my savings account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : TRANSUNION Account Name : XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : closed UNAUTHORIZED INQUIRE ( XXXX ) XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I see collection accounts showing up on my report from a collection agency reporting an original creditor that I never had an account with. I believe that they are try to collect from me for an account i had XXXX XXXX ago that has falling off my credit report, and using another creditor name to collect a debt. This is a violation and fraud.
Product: Vehicle loan or lease

The company has voided my original contract.removing gap and warranty coverage. Without providing me with another contract with my name and the company my information was sold to name. Also my title information does not have us auto, American car center, or west lake on it. So Im not sure that they have it in their possession.
Product: Credit reporting or other personal consumer reports

My finalized dispute has Confirmation Number XXXX, submitted XX/XX/XXXX : XXXX XXXX XXXX are still being included on my Equifax report with balances, although the balances transferred to a new loan servicer ( XXXX ) at the beginning of XXXX. The other two credit bureaus correctly updated balance information for these loan holders, but Equifax presents both XXXX and XXXX with balances -- displaying XXXX as much in student loans. Equifax closed the dispute on this after only updating XXXX info to show balances as *current, * but not {$0.00}. Once the dispute was closed by Equifax, I called XXXX to ask about the situation from their end ( months ago ). A XXXX rep confirmed the loan balances are {$0.00}, and encouraged me to submit an easily accessed XXXX XXXX letter showing loan balances are {$0.00} ( which letter had been included in my filing of the dispute with Equifax ). The XXXX rep was also able to tell me Equifax had contacted them, but not what was discussed. This latter makes the situation more confusing, as Equifax still didn't remove the XXXX loan balances. The whole situation is now further complicated by the fact that my Equifax credit report is no longer accessible, and has not been accessible for months ( which is why I'm now filing this complaint ). I called Equifax on XX/XX/XXXX to try to restore my report, but the agent I spoke with was not able to help and deflected from concern about the report being unaccessible ( though she couldn't access it, either ). She recommended waiting -- said that maybe the problem was a momentary glitch which would resolve on its own. I did wait -- nearly two months, now. My Equifax report is still not available, as of now. I just called Equifax again, and the agent I spoke with told me to call back later because their entire system is currently down. These experiences make me question whether Equifax remains a viable business. Can you please find out what is going on with Equifax, and please help with this situation?
Product: Vehicle loan or lease

Repossession expense totalling {$3700.00} I have contacted Westlake Financial various times asking for an explanation. My husband had an accident on XX/XX/XXXX and passed away while driving, the vehicle was a total loss. I informed XXXX, my insurance agent and they immediately paid off the car but we did not have Gap insurance and therefore a balance of {$3800.00} remained unpaid ( please see attached payment history ). I immediately called Westlake and they informed me that I could continue making monthly payment until account was paid in full, I have made monthly payments every month since XXXX. In XXXX, XXXX I noticed an " unpaid other fee '' of {$1000.00} I immediately emailed Westlake inquiring about fee, I later received a letter in the mail ( see attached letter from Westlake ) where they explained they were charging me this fee because those were fees charged to Westlake from a third party vendor for removal and disposing of car. In my XXXX, XXXX statement the " unpaid other fees '' went up to {$3700.00} I again contacted Westlake and this time I spoke to XXXX XXXX & XXXX XXXX ( Supervisor ), they both informed me the car was still at an auction and as long as the car was not sold I would continue to pay the monthly fee. I called XXXX & XXXX sent me & Westlake proof ( see attached ) that XXXX had picked up the car in XXXX, XXXX paid whatever was due and XXXX sold the car XX/XX/XXXX ( see attached proof from XXXX ).  XXXX XXXX told both me and the representative from XXXX they would escalate the case and I would have an update in 24/48 hours. Last conversation took place XX/XX/XXXX, I have called several times and each time I get someone else on the phone and keep getting the runaround. Westlake said these were third party vendor fees, I asked them for receipt and they said they did not have available. Please help I don't know what else to do. 
Thank You XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Violations 34 CFR 685.215 Discharge for false Certification of Student Eligibility or unauthorized payment. 

34 CFR 300.302 Screening for instructional purposes is not evaluation Permissible Purposes of consumer reports 15 USC 1681b ( a ) ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681 ( a ) ( 4 ) states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : 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

Navy Federal Credit Union at XXXX XXXX XXXX XXXX VA XXXX has Been sending me collection notices in the amount XXXX .the collection has be reported as pasted due balance. I do not know this company .I have never done any business with this business with this company .this company does not have a contact with my signature.
Product: Debt collection

I paid my account in full with Law office of Nelson & Kennard on XX/XX/2023 and I have the confirmation letter but the company still hasnt taken the charge off my credit report it still says unpaid which is not true and Ive tried to dispute the inquiry and even provided proof I paid the account in full and they still havent done anything about it please help
Product: Mortgage

Green Tree Servicing added an escrow account right after they bought the mortgage from XXXX in XXXX XXXX without any right or notice. Mortgage was originated in XXXX XXXX by XXXX with P+I only. Taxes and Insurance were always paid on time by borrowers. The amount was almost XXXX that we always paid. We called several times through out XXXX months periods and sent certified letters. We never received a response. We sent more than XXXX thousand ( {$5000.00} ) extra, but the statements never reflected it. As of today there still misapply funds to our account. At one point we decided stop sending payments due to the mismanagenmet, misrepresentation, contract violation, etc. Green Tree started making nasty calls including at place of work several times. They promised a loan modification that never happened after we paid XXXX months trial by XX/XX/XXXX. Right after they filed for foreclosure. We responded to XXXX XXXX County, Florida court house in time every time. We showed up at the hearing XX/XX/XXXX when the judge ordered having a Conciliation conference call which we had and Green Tree and his lawyer confirmed having all paper work and promised to send a modification which never happened. We provided enough proof to the court house and Green Tree of the mess had created. I hope this will help in the process of so many victims of Green Tree and CFPB along with other government entities to settle a case against Green Tree. Green Tree should NOT have a license to operate.
Product: Credit reporting or other personal consumer reports

I checked my credit reports, and I have XXXX new loans with XXXX / Dept of Ed. Both originated on XX/XX/year> ( but the loan appears to go back to XX/XX/year>. XXXX loan is for {$1100.00}, and XXXX loan is for {$2000.00} ( now {$2000.00} with interest ). I have not been in school for nearly XXXX  years. I didn't open these accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # 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.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any purpose. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT 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 Payments missed reported Different Account XXXX XXXXXXXX : ( XXXX - XXXX, XXXX, XXXX ) - 3 payments missed reported JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX JPMCB - CARD SERVICE : ( XXXX - XXXX, XXXX ) - 2 payments missed reported XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - 2 payments missed reported
Product: Debt collection

continue to call countless times throughtout day. Already settle pay arraignments but still calls to collect debt. Ask to stop calling multiply times
Product: Credit reporting or other personal consumer reports

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : 1. Unknown third parties gained access to my financial login credentials. 
2. My automatic payment settings were altered without my knowledge. 
3. This interference led to the late payments that are now inaccurately reflected on my credit report.

FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : 1. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

2. A written confirmation verifying that these late payments have been removed.

3. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.
Product: Mortgage

I am refinancing my house for which I have about 30 percent equity. I visited the Navy Federal Credit Union 's web site to check their rates, but it only lists the lowest rate for conventional loans without the number of months and points. From there, their web site directed me to a loan product at a reasonable interest rate and one point. So I applied, paid a fee, and was assigned a processing agent. When I got the documents, however, it had a large {$7000.00} pre-paid mortgage insurance and a monthly PMI payment of {$250.00}. I had to stop their digital approval process and tried to contact the processing agent by telephone and email. She has not returned me voice mail or email. Closer look at the paper work it appears the web site steered me towards an FHA loan. The processing agent should have seen that with 30 percent equity or LTV ratio, I didn't need that product and its a bit disingenuous that she didn't contact me to confirm that's what I really wanted.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account XXXX  which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX  was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

I have been charged an amount when I previously paid the amount in full. I also notified the company which submitted documentation as a law firm and not a debt collector. This inaccurate information was still placed on my credit file of all three credit bureau which has significantly affected my credit score. The rental contract was scheduled to end on XX/XX/2020. I departed and submitted all keys on XX/XX/2020. Also per the documentation I have provided all fees had been paid as of XX/XX/2020. Please view that the amounts owed were addressing the dates from XX/XX/2020 until XX/XX/2020.