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

I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently paid off and some were consolidated, but the negative accounts that have been reported are hurting my scores.
Product: Credit reporting

have a mortgage with XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, Illinois XXXX for a mortgage on a new XXXX XXXX model # XXXX vin # XXXX on XXXX XXXX, XXXX for {$65000.00} interest rate of 8 % for 15 years. XXXX pulled our credit on XXXX XXXX, XXXX then approved us for the mortgage and signed paper on XXXX/XXXX/XXXX for the mortgage but are not reporting to any of the ( XXXX ) credit bureas. I have called numerous times as a resolution and they said they are using a new system to pull credit. 
I have been dealing with this for over ( 8 ) long months. My husband and I have been denied credit due to insufficient credit history, this is hurting our credit vs helping. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX home phone # XXXX. 
we have reported to the credit bureau and XXXX XXXX XXXX XXXX will not respond so they keep reporting back to us as inclusive. 
Please help us. 
thank you the XXXX 's XXXX and XXXX I talked to XXXX at the call center Agent # XXXX on XXXX XXXX, XXXX At XXXX central time zone
Product: Money transfer, virtual currency, or money service

I was purchasing some concert tickets through XXXX  and the seller asked to use XXXX to transfer {$100.00} for 2 tickets in which he would then email me the tickets. I figured that XXXX had the same protections as XXXX services. I transferred the {$100.00} and the individual never emailed the tickets or responded to text messages. I contacted Wells Fargo within 45 minutes of the transaction and they informed me they couldn't stop the transaction so I am now out {$100.00} and not attending the show.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. I have never filed Bankruptcy! 

Account Name : BANKRUPTCY CHAPTER XXXX Account Number : XXXX AMOUNT : $ NA Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$3600.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX Account Number : XXXX AMOUNT : {$6300.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX  Account Number : XXXX AMOUNT : {$8500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX AMOUNT : {$26000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : U S DEPT OF EDXXXX Account Number : XXXX AMOUNT : {$3900.00} Reason : Account is fraudulent Account Name : U S DEPT OF EDXXXX Account Number : XXXX AMOUNT : {$3000.00} Reason : Account is fraudulent Account Name : U S DEPT OF EDXXXX Account Number : XXXX AMOUNT : {$3800.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$5400.00} Reason : Account is fraudulent Account Name : U S DEPT OF EDXXXX Account Number : XXXX AMOUNT : {$5600.00} Reason : Account is fraudulent Account Name : U S DEPT OF EDXXXX Account Number : XXXX AMOUNT : {$3000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  AMOUNT : {$7500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$290.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$760.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card

I have several accounts with Synchrony Bank, including Banana Republic, Walmart, Amazon and Toys R Us. The accounts mentioned are currently past due, however, there are payments scheduled for each account to bring them all current. My bank returned payments, their discretionary overdraft protection will either pay or return items. The scheduled payments will be paid as I am expecting deposits from my employer and others. Please advise them of this as I have been receiving collection calls. I do not have payment amounts and scheduled dates in front of me, however, they 're all scheduled on or around XX/XX/XXXX or XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear [ Recipient 's Name ], I am writing to formally dispute inaccurate information contained in my consumer report, as well as to address your non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o ( Civil Liability for Negligence ). As a consumer, I have the right to accurate reporting, and failure to maintain these standards has caused harm to me.I recently reviewed my credit report and found inaccurate and misleading information that is adversely affecting my creditworthiness. These inaccuracies include : [ Describe the inaccurate information : Account name, account number, date, and nature of the error ] [ Additional inaccuracies if applicable ] Under the FCRA, credit reporting agencies and furnishers of information are required to ensure the maximum possible accuracy of consumer reports. Your failure to conduct a reasonable reinvestigation and correct or delete inaccurate information violates the law. Additionally, your negligence in handling my dispute and ensuring compliance with federal regulations has resulted in financial and emotional distress.I demand that you immediately investigate and correct the inaccuracies or provide documentation verifying the accuracy of the reported information within 30 days, as required by law. Failure to comply with my request may result in legal action, including seeking damages for your negligent non-compliance, as provided under 15 U.S. Code 1681o.I have attached copies of relevant documents, including my credit report and any supporting evidence, to facilitate your investigation. Please provide a written response confirming the corrections or explaining your position within the legally mandated timeframe.If this matter is not resolved promptly, I will explore further legal options, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal redress.I appreciate your immediate attention to this matter. Please contact me at your earliest convenience to confirm receipt of this dispute and provide a resolution timeline.Sincerely, XXXX XXXX [ Your Contact Information ]
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX AUTO XXXX {$12000.00} XXXX XXXX AUTO XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
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. Account name : 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 or other personal consumer reports

I asked for verification of this debt with XXXX XXXX. And if the debt is mine to verify that they are legally allowed to collect and how the debt was calculated. They did not respond to my request. I followed up 30 days later and disputed with Experian and stated I expected more than their usual half hearted effort in investigating and to show details of who they spoke with and how they verified the debt was accurate. All I received from Experian is that XXXX XXXX verified the debt as accurate. But nobody has shown me the person effected by this any proof or information
Product: Mortgage

Ocwen Loan Servicing bought my loan from Litton Loan and since then, I have had nothing but problems from this servicing company. On many occasions I was told the wrong amount due, had my payments sent back to me, some payments were applied to principal rather than the monthly payment due and my escrow account always stayed in the negative, even though escrow was included in my payments to them. I had payments held in suspense at times and unjustified added fees, with overall poor payment processing of my accounts. When I would call customer service, I was always given someone in XXXX to help me. I never received any answers to my questions or complaints, for the representative seemed to be reading only by a script. 
Now, I have yet another problem with Ocwen. They are reporting to the XXXX credit bureaus excessive late payments ranging from XXXX and reporting the XXXX mortgage with a charge off on XXXX bureau and a collection on the other XXXX bureaus. There was never a CO in XX/XX/XXXX as they are stating.These mortgages were paid in full and I find their reporting to be severely inaccurate in every stage of the mortgaging process!! I can provide my attorney 's information, if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is showing on one credit report that I have missed five late payments and I have not. My loans were in deferrent until XX/XX/2020 when I started paying on them. They need to update this information.
Product: Mortgage

I'm XXXX yr old on SS.. 
Purchased home in XXXXmade monthly payments on time.Through XXXX  XXXX XXXX XXXX 
Select Portfolio Servicing has it now.

Got a 2nd mortgage a few years ago.

Got behind on paying and it worse after C19..no work.. 

I never miss my payment on original mortgage. 

Foreclosing on XXXX. 

I can pay XXXX a month on it to catch up while paying my regular payment. 
I live along and need help with this Thanks XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I opened a mortgage with XXXX XXXX, later XXXX XXXX   XXXX  started to service this loan. This amount of this mortgage was XXXX. This mortgage was included in a chapter XXXX that was successfully discharged XX/XX/XXXX. furthermore, this said mortgage amount was paid off due to the property being sold.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$110.00} to XXXX XX/XX/XXXX {$120.00} to XXXX XXXX refuses to give me my money back for these transaction that were fraudelant
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

An unauthorized transaction in the amount of {$6600.00} was made and 3 other thereafter totaling {$7000.00} more or less I emailed the fraud department and mentioned my account was being robbed right now and now today I'm still waiting for a credit for the money taken from my account.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Experian, XXXX, XXXX has violated federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. 

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, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Student loan

I have a consolidated student loan with Navient and have been paying on it for roughly 20 years. The original amount of the loan was {$42000.00}. During the course of repayment of this loan I 've encountered some economic hardships along the way. During those times, the loan was put into deferment. Things are good now, and I 've been making steady payments for the last several years.     To date, I have made payments totaling {$89000.00}.     That 's not a typo. {$89000.00} for a student loan.     It gets worse.     Over the course of the loan during economic hardships and calculating capitalized interest, only {$5800.00} in total has been applied toward the principle. I have the  Navient  generated spreadsheet confirming this.     To pay it all off today would cost an additional {$48000.00}.     My interest payments fluctuate, depending on which day I pay. If I pay on  XX/XX/XXXX , the actual interest I have to pay Navient is more than if I pay on  XX/XX/XXXX  , m eaning less goes toward the principle. Is that legal?     During the aftermath of Hurricane  XXXX  I received unsolicited calls from Navient asking me if I wanted to reduce my monthly payment. I said I sure would, and now I 'm paying {$650.00} per month, and, depending on the day the payment is made ,  $  XXXX  -  {$450.00} goes towards interest. I was never properly advised by the lender that my payments would increase eventually. Navient practices are deceptive and predatory.     I am unsure how to proceed, but anything you can do to bring attention to this matter would be greatly appreciated.      Kindest Regar ds,   XXXX   XXXX    University Class  of  XXXX
Product: Credit card

I found out that my account had been hacked for XXXX dollars on XX/XX/year> And for Somehow-they sent this money to a XXXX XXXX XXXX  XXXX XXXX, Oregon -- XXXX -- -- -- -- -- -- -and claimed that I received the money????? -- -- -- -- -of which I have never had an account with them. Then on XX/XX/year>, they sent another XXXX dollars to the same bank. I have never sent money to a bank from my credit card -- -I don't even know how to do that. 

I was scamed out of XXXX dollars by the same people -- reason I know is because they at one time tried to get me to send some money to the same bank in XXXX, XXXX -- -- XXXX XXXX -- -- -- -- -- -- -do n't know them or have ever had an account with them. 

Phone number for the scamers is XXXX -- -- -- his name is XXXX -- -another person at that phone number is XXXX XXXX XXXX his supposed XXXX ) There has to be some way to track that phone number and also find the account in XXXX that received monies in that amount???????????
Product: Credit card

Selected Chase Offers {$200.00} off {$400.00} spent at backcountry.com. Placed order for {$400.00} on XX/XX/XXXX24. Offer set to expire on XX/XX/XXXX/2024. Per terms of offer, if purchase placed and merchant split transaction and charges posted separately, contact Chase to have offer applied. XXXX split transaction into two postings. 

Contacted Chase and sent order confirmation showing total amount and date of order as specified above, and transactions had posted to account. Chase representative stated wait 14 days. Offer not applied. Contacted Chase two more times and was told to wait 5 business days and that this would be routed to appropriate department. Offer still not applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX, XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX  ( Bank XXXX XX/XX/XXXX, XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX, XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX  - XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX  XXXX ( Contract hire ) XX/XX/XXXX, XXXX XXXX XXXX  ( Bank ) XX/XX/2022 I did not give these companies authorization to pull My credit report these are fraudulent inquiries an they shouldn't be on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file I noticed some inaccurate data reporting. I reached out to all three credit BUREAS to request validation of the debt with XXXX XXXX, under the FDCPA and FCRA sec 609. One of the bureaus removed the item and the other two have continuously reported the data without proving any verifiable proof other that the Creditor verified the data. I also sent proof of the deletion results from XXXX  showing the investigation was done and the information was incorrect, incomplete or unverifiable. The Credit BUREUS are required to notify all other credit reporting agencies of their results.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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