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

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are corrected. 
XXXX XXXX Balance Owed : {$2100.00} - Charge-off XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Original Creditor:08 XXXX XXXX ) XXXX Balance Owed : {$2100.00} XXXX XXXX  ( Original Creditor:01 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX  ( Original Creditor:01 XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$800.00} XXXX XXXX XXXX Original Creditor:01 XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$530.00} XXXX XXXX ( Original Creditor:11 XXXX XXXX  ) XXXX Balance Owed : {$1000.00} XXXX XXXX ( Original Creditor:08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$580.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$100.00} XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1300.00} XXXXXXXX XXXX XXXX Balance Owed:XXXX XXXX XXXX Balance Owed : {$1800.00}
Product: Mortgage

I had been in communication via telephone with NewRez mortgage beginning in XX/XX/XXXX in hopes in having my PMI removed. Numerous phone calls with letters stating the same thing. " We are working to gather the requested information. '' I received numerous generic letters until XX/XX/XXXX. 

Finally spoke to another person who finally told me to send in {$150.00} for an appraisal. 
Check cleared, but no one for a couple of months reached out to me to set up the appraisal. 

Then received a letter from Newrez that the appraisal was not where it needed to be due to 4 reasons ( none of them were accurate ) so I was declined. The appraisal had not even happened yet! Do they have a clue on what they are doing? 

Called them again, finally someone scheduled an appt with me. Very unprofessional, snapped pictures super quick and took off. This is now XX/XX/XXXX. 

No response from anyone on the results of the appraisal. Then out of the blue, without the results, another letter came in for me. 

Called again and again and they said they had the results. Finally emailed them to me. I was well above what I needed to be. So I called them again. Then another letter came in for me to give them {$150.00} for another appraisal. What are they doing? 

I need help to have this resolved. I can not afford an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN- XXXX Phone - XXXX DOB- XX/XX/XXXX Email - XXXX Inquiries that need to be removed XXXX XXXX  - XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize this inquiry from CB Indigo on XXXX and would like it to be removed
Product: Student loan

Hello. I noticed on my new credit card that I had an option to check my credit report. I found that it showed I owed {$6500.00} to ED Financial. I have never heard of ED Financial nor did I know anything about this debt. I contacted my parents who advised the only student loans we had were with XXXX XXXX and they were paid off years ago. I started XXXX XXXX in 2016. I contacted my school, Student Aid.gov and ED financial. My school said my school loan debt has been paid off. Student Aid.gov said they show we owe this along with ED Financial. I have never received ANYTHING from ANYONE about this debt. It has been 8 years and I only found out about this from pulling my credit report. This is not right. You can see on my XXXX XXXX that payments were made each month and now paid off. We would have done the same on this loan if I would have know about it. Please help me. If I owe it, I will pay it but I don't feel that I should have any interest accrued since I didn't know about it and no one can provide me with any documents. Why wasn't anything sent to me in 8 years? My parents haven't moved, phone numbers haven't changed! My twin brother XXXX XXXX apparently has the same debt who just received for the first time in the mail something from XXXX. He will be sending the same dispute to you.
Product: Debt collection

Ic system inc is trying to collect on a debt that originally defaulted over 9 years ago. It 's now on my credit report and their attempts to collect are beyond az statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received this billing by PayPal for XXXX XXXX purchase of {$450.00} USD which I never authorized nor purchased. Copy of email follows : From : XXXX # XXXX XXXX Date : XX/XX/2023 at XXXX XXXX  XXXX To : XXXX Subject : Invoice due date approaching XXXX XXXX : Hi, You might want to double-check your statement. # XXXX, Have a great day. 
Invoice for XXXX XXXX XXXX Sir, We appreciate you with us. 
This email serves as proof of your most recent payment of For XXXX! base Transaction. This transaction can take some time to show up on your statement. -- -- -- -- -- -- -- -- -- -Product Description : -- -- -- -- -- -- -- -- -- -- Product Amount Payment Status Payment Date Invoice No XXXX XXXX {$450.00} Confirmed Monday, XX/XX/2023 XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Notes : Refunds can be requested within XXXX hours of theppayment, so please let us know if you have any problems with the transaction within XXXX Hours. 
CustomerSupport+XXXX XXXX XXXXXXXX ) - ( XXXX ) - ( XXXX ) Sincerely, XXXX  PayPaI - All Rights Reserved
Product: Credit reporting or other personal consumer reports

Discover has violated my rights in several different levels. They have failed to provide validation of debt, they have failed to produce billing statements and theyre reporting different amounts on all XXXX bureaus. 

There should be no late payments on closed accounts. 

Notice of dispute required within 30 days of receipt of first dispute under section 623 FCRA and 806 ( b ) FDCPA Payment Status details Consumer deceased? collection though paid?

This is governed by FCRA 611 ( a ) ( 5 ) ( B ) you must be notify in within 5 days of the reinsert date.
Product: Debt collection

I do not acknowledge this debt which is the ONLY collection harming my credit report scores. They are collecting on a debt with an open account status? Error reported. Dispute resolved? Customer disagrees? So I wanted to report this on MY OWN self right XXXX XXXX  and Credit Corp Solutions?
Product: Checking or savings account

I have been using Cash App for years now and Ive never known a more corrupt or unprofessional company than this one. For a company that was made to send and receive payments it sure is very difficult to do so. I havent had any issues for a long time and now all of a sudden they are closing my account and wont let me send anything for my protection. I am the person running my own account and I would just like to know what sense it makes to not allow your customers to do exactly what your company was made to do. Not to mention they are stealing money from their customers. I have family and friends that I send various amounts to for various reasons and its simply unfair to flag them all. XXXX will always be the way to go but unfortunately not everybody uses XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello all I am having an issue with the XXXX credit bureaus. First and foremost theyre showing multiple accounts on my credit report that were included in bankruptcy as derogatory accounts with balances! This is incorrect reporting on my consumer reports! They say that creditors came back and verified this information as accurate, how could that be if it was discharged in my bankruptcy? It should show discharged with a {$0.00} balance! The refusal of updating the information is a violation of the bankruptcy discharge injunction prohibiting creditors from trying to collect on these debts. The negative remarks is causing my credit to remain stagnant. This is a violation of my consumer rights, and it is against the law to report such information on my credit report. I have tried to fix this issue with each bureau, however, they have refused to correct this information. Also, how can something go from reporting as ok to an automatic charge-off because bankruptcy was filed? This is against the law and is being reported inaccurately. Also theyre reporting my student loans as being 90 days late, however, I was never late! I was never XXXX nor 60 days for entries to be marked on my credit report as 90 days late only. This is incorrect reporting and is also against the law. Theyre also reporting my bankruptcy incorrectly, each bureau has a different filing date as well as a different discharge date, per the FCRA this is incorrect reporting as each bureau must report IDENTICAL INFORMATION in which theyre not doing and this is a violation of the FCRA!
Product: Credit card or prepaid card

XX/XX/XXXX - I received notification that my credit score had plummeted over 100 points. After investigating through XXXX, I discovered my Capital One credit card was 3 months in delinquency. This was shocking as I had not used the card, and I had received no notifications/statements/bills - via email, phone call, or paper-bill. I called Capital One immediately and the customer service representative apologized, and informed me that the delinquent charge was a membership fee. She said she would waive the fee, and then told me she had closed the account ( without asking me, or blaming me for the decision ). She apologized again for the inconvenience and said she would notify all three credit bureaus of the error. 

Since this conversation, I have frequently checked my XXXX credit monitoring account. The Capital One card, which I had had since XXXX, is definitely reported as " closed by the creditor '', but the fee remains, and it continues to affect my credit score, which has since dropped even lower. I was charged an extra security fee by my gas company due to this issue, and XXXX XXXX XXXX has also dropped my credit limit because of Capital One. 

It will take me a very long time to restore my credit score - which was in the mid-700 's until 3 months ago.
Product: Checking or savings account

On XX/XX/2022, my checking account was assessed a - {$12.00} monthly service fee. At the time the fee was assessed, the account had a balance of {$5500.00}. 

Citibank claim that the fee was a result of the account not having a sufficient minimum balance ( of {$1500.00} ). 

On XX/XX/2022, I transferred {$5000.00} to the account. 

Citibank have refused to reimburse this fee.
Product: Credit card or prepaid card

Good Afternoon, My credit card on XX/XX/XXXX was charged 4 times for purchases in MA and FL on the same day. This charges exceeded {$200.00}. I immediately alerted the credit card company these were fraud. 

After being on hold for an excessive amount of time, the company told me there was nothing they could do until I filed an affidavit, which they would mail to me. Today is XX/XX/XXXX and they have yet to send it to me. 

I just made a credit card payment and I had to pay the interest on these fraudulent charges. I asked many times to speak with a supervisor and the answer was the same - - we can do nothing for you - - this is our policy. 

In addition, while speaking with the associates from the credit card company they were dismissive, secretive and abusive. I live in XXXX, was in XXXX when these fraudulent charges occurred. My card was on me, however, they did not care. Oddly, at the same time, they offered me a credit line increase so I would spend more money. 

I am also XXXX and have XXXX  XXXX. No one would help me, or care to help me. I am paying interest on fraudulent charges and no one will help me. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment with the lack of response to my previous dispute letters sent on [ date or dates ] regarding inaccuracies in my credit report. Despite your obligation under the Fair Credit Reporting Act ( FCRA ) to investigate and respond to consumer disputes in a timely manner, I have yet to receive any acknowledgment or resolution of my concerns. 

As outlined in my previous correspondence, I have identified several discrepancies in my credit report that require immediate attention. These inaccuracies have the potential to adversely affect my financial standing and opportunities, which underscores the urgency of addressing them promptly. 

I remind you of your responsibility under the FCRA to conduct a thorough investigation into the disputed items on my credit report and to provide me with a written explanation of the results within 30 days of receipt of my dispute letter. Failure to do so not only violates federal law but also undermines the integrity and purpose of credit reporting systems designed to ensure accuracy and fairness for consumers. 

I hereby request that you expedite the investigation of my disputes and provide me with a comprehensive and transparent resolution at your earliest convenience. Additionally, I expect to receive written confirmation of the actions taken to rectify the inaccuracies in my credit report. 

If I do not receive a satisfactory response within the specified timeframe, I will be compelled to explore all available legal avenues to enforce my rights under the FCRA, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

I trust that you will take immediate action to rectify this matter and uphold your obligations under the law. Thank you for your attention to this urgent matter.
Product: Student loan

my servicer was Navient and they put in forbearance without my consent for over a decade
Product: Debt collection

On    XXXX   XXXX   XXXX   this company received a letter requesting validation where I asked themn either provide me with proof of m y liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDC PA Sec 809
Product: Debt collection

I was informed by XXXX XXXX XXXX XXXX that is account would be removed from all three credit reports. Please have all three credit bureaus remove this account from my credit reoport.
Product: Mortgage

I called NewRez in XX/XX/XXXX to confirm timing of my escrow analysis and escrow refund and was promised I should receive a check early XX/XX/XXXX. Utah property taxes are due every XXXX, and NewRez policy is that escrow analysis is completed for Utah mortgages in XXXX with refunds following. 
I inquired via the NewRez website for my escrow analysis and refund on XX/XX/XXXX and XX/XX/XXXX. 
Separately, I requested new escrow analysis as far back as XXXX XX/XX/XXXX, based on my upcoming and known property tax. 
Due to NewRezs failure to refund my excess escrow in a timely manner, Id like to cancel escrow and pay taxes and insurance on my own. NewRez refused this request, claiming I am not eligible to cancel escrow until 2 years after loan origination. 
I called NewRez again today, XXXX XX/XX/XXXX, and was told that I should expect a resolution on XXXX XX/XX/XXXX, more than 2 months late, even with expediting my request. 

NewRez has been holding my escrow hostage for an excess 3 months after property tax was paid and excess would have been readily identifiable.
Product: Student loan

I am a third year XXXX  resident with XXXX K in debt and make less than federal minimum wage for the hours I work which is XXXX hours a week. I am being penalized despite 8 weeks ago reaching out to my loan servicer to know what to do. Essentially I was under XXXX, my estimated payment was {$220.00} for month. I couldnt afford it so I called the rep what to do. She said to consolidate my loans and re certify with my 2022 W2. Thats what I did. 

Flash forward a month and Im on XXXX refreshing to see if with recert my payment is XXXX. Wait a minute all loans are gone now? Looks like someone made a payment. Called my parents so confused to see if they had XXXX laying around randomly paid. Mom said looks like loans got transferred. I was never notified and would have never known unless I checked XXXX. I call them they said my money is at XXXX. This is after being on hold for 3 hours twice a day. The apologized for misleading me, and giving wrong info but they can no longer help as they money is not with them. I call XXXX who says XXXX is my loan servicer. Then im on hold with XXXX for hours, also saying the money is not with them. The narrative switches after hours on hold that my new provider is Mohela. That they processed a direct consolidation loan and bc I didnt respond in 10 days ( NEVER RECIEVED A NOTICE OR WHAT TO DO!! ) theyre consolidated and unsure what the interest rate or monthly payment will be. So XXXX bc thats not what I wanted to do! XXXX led me astray. 

Now I call mohela, they see that they are my servicer but dont have my info or money. My money is now in transit so where with no one so no one can process my app or give me a quote. Mohela said in this time period nothing to pay. I am so stressed out bc I took the time to try to figure this out 8 weeks before now they have completely XXXX XXXX and my life because of the misinformation. I worked too hard for this to affect my lifeZ I am afraid something will go wrong. I am so stressed and unsure what to do here. How is this ethical or legal? Any advice will be appreciated. Im afraid and unsure if my SAVE application will transfer over. Seems like XXXX cancelled it and just consolidated it with est payment of over 1grand which is what Im afraid will carry over. If anyone has been in this position please reach out at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three fraudulent accounts listed on my Early Warning Services consumer. I have contacted Early Warning Services to have this information as a result of identity theft removed and have not received any response back. 

Early Warning Services is not allowing me to place a fraud alert on my credit report with them. They are telling me they are a consumer reporting agency and are not obligated to do so. 

Early Warning Services will not provide me with the addresses and contact information for XXXX or XXXX XXXX XXXX XXXX to contact them to have the fraudulent information removed from my report. 

I have attached copies of all relevant documents to this complaint including copies of the front and back of my NYSID with my current address along with my SSA card for ID verification. 

I discovered my identity was stolen in XX/XX/2017. I have attached confirmations of identity theft after formal investigations by XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a 3rd party! These credit reporting agencies are failing to properly investigation DISPUTES and FAILING to provide accurate results and they have been negligent in complying. PLEASE REVIEW DOCUMENTS ATTACHED.