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

In accordance with the Fair Credit Reporting act XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, has violated my rights. 
I have already disputed these items but the bureaus did not remove them nor prove validation. 
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
Product: Debt collection

I spoke with this collection agency about accounts in my name and XXXX representative was extremely rude and disrespectful. Prior to speaking with her i received threat phone calls with this agency {$100.00} and more. Every time i speak with a deb collector i ask for a full description of any bill and all other information needed to confirm any amount due. I advised that my insurance paid these accounts and she did not listen and tells me that i have more account than what is reported on file. The information they have of me phone number, address, are all invalid information. I have accounts on my credit report and was not informed by any such debt by mail ever.
Product: Student loan

Mohela placed my public student loans into administrative forbearance and stated that there would be no interest charged to my account. About a month later, I received a letter stating that I am accruing interest. When I check my account balances, I still see interest amounts. Additionally, Mohela is making it difficult to pay my public student loans. When I log in, I am redirected to different log in pages and receive error messages when I try to access documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX realty said application denied won't say why
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX we approved for a 3 month forbearance plan with our original mortgage servicer XXXX XXXX XXXX XXXX. That servicer sold/transferred our servicing to PHH Mortgage XXXX XX/XX/XXXX, before our 3 month period had lapsed. Immediately our credit score was tarnished, albeit a stipulation of the forbearance was that it would not affect our credit score. PHH ignored this and continues to report our account as delinquent during forbearance, with reckless regard for our credit. 

We extended our forbearance plan through PHH, but have not out any subsequent paperwork with PHH. From what I know to be fact regarding contract law, PHH can not ignore the agreement and obligations set forth by XXXX XXXX XXXX XXXX 

This is the second time our score has been tarnished because of PHH. With rates falling, we would like to refinance but am likely unable to do so. 

Below is a brief timeline of events : Friday XX/XX/XXXX PHH check in call Sat XX/XX/XXXX Incoming PHH Call ( scheduled at XXXX? ) Fri XX/XX/XXXX PHH Call Tue XX/XX/XXXX PHH Call Mon XX/XX/XXXX PPH Call Thu XX/XX/XXXX Incoming PPH Call ( appointment regarding submitted application ) Fri XX/XX/XXXX Submitted Mortgage Assistance Application to PHH Mon XX/XX/XXXX XXXX XXXX Tue XX/XX/XXXX Credit bureaus updated Wed XX/XX/XXXX XXXX XXXX Tue XX/XX/XXXX XXXX XXXX account reported delinquent to credit bureaus Mon XX/XX/XXXX PPH Call Thu XX/XX/XXXX PHH becomes new loan servicer Mon XX/XX/XXXX - Beginning of Unemployment Forbearance ( until XX/XX/XXXX ) Thu XX/XX/XXXX Loss Mitigation Application submitted to XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. I am a victim of a data breach, and in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that these items be immediately removed from my credit file. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$600.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$980.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1200.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$820.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$540.00} XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$460.00} XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$700.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$700.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$980.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$600.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2100.00} Inquiries to be blocked and deleted : XXXX. XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my Chex system report I noticed negative information reporting on my report from the account of XXXX XXXX XXXX XXXX. Ive written Chex system multiple letters letting them know that I do not recall having an entry of any sort stating that I owed an account called XXXX XXXX XXXX XXXX any amount when ordering my report. Chex System failed to write me back after sending multiple letters trying to fix this problem on my report. I am requesting them to provide me with any information that they have recording with proof of my signature AGAIN. I would also like the documents of the names of employees that they spoke with when verifying that these documents were so called accurate With the absence of this information, you can not furnish this information, I ask that this information be removed from my social security number ( XXXX ) immediately. Please send details to XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX  XXXX.
Product: Debt collection

AmSher Collection Service XXXX XXXX XXXX XXXX XXXX XXXX AL is trying to collect for XXXX some debt which is not mine. I have never had a XXXX account. They apparently located my name on the internet as being connected with the owner of the account, but I was not their customer and I did not guarantee any account that any entity had with them. Their collection actions were entirely unknown to me until I viewed my consumer credit report on XX/XX/19 after being denied credit by XXXX XXXX. They have damaged my credit history and caused me be denied credit.
Product: Student loan

Navient, formerly Salliemae, frequently called me to arrange payments for my student loan that I simply could not make due to my financial situation. They willingly steered me into consolidation and then into XXXX. They spoke of forbearance as if it were the right thing to do. I was preyed upon by The XXXX XXXXXXXX XXXX XXXXXXXX, who made promises to a young girl they could not keep and then preyed upon by predatory lenders who have garnished my unlivable wages and harassed me repeatedly via phone call after phone call. So much interest has been compounded on the loan that I couldn't hope to pay it back in my lifetime. It has kept me from taking jobs I was qualified for. It has prevented me from owning a home, from renting without a cosigner. It has held me back for years. XXXX couldn't even get rid of it. I have filed a borrower 's defense case in the hopes of finding some relief from this burden that continues to haunt me.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) in connection with its handling of an account allegedly associated with XXXX XXXX XXXX. Despite my multiple disputes of this account, Experian has consistently failed to provide a proper method of verification, as required under 15 U.S. Code 1681i ( a ) ( 7 ). Instead, Experian has resorted to marking this account as verified without presenting any tangible proof, a practice that undermines consumer rights under the FCRA. 

Experians failure to properly investigate disputes aligns with the CFPBs pending lawsuit against Experian for engaging in sham dispute investigations and failing to meet its legal obligations to consumers. This lawsuit further highlights Experians systemic negligence in handling disputes and underscores their disregard for 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. 

I do not recognize this account, and Experian has failed to demonstrate that it conducted a reasonable investigation as mandated under 15 U.S. Code 1681i ( a ) ( 1 ). Additionally, Experians refusal to provide documentation or proof to substantiate its verification is a violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), which requires the deletion of unverifiable information. 

To support my dispute, I am including the following : An FTC Identity Theft Report documenting my lack of recognition of this account. 
A copy of my government-issued ID. 
Proof of my current address. 

I demand the immediate removal of this account from my credit report, as Experian has repeatedly failed to comply with its obligations under the FCRA. Its continued negligence is causing unnecessary harm to my credit and financial well-being, and I expect the CFPB to hold Experian accountable for its violations. 

The CFPBs lawsuit against Experian demonstrates a pattern of neglect and misuse of consumer trust, and I am requesting your offices intervention to ensure this matter is thoroughly investigated. Should Experian fail to resolve this issue promptly, I reserve the right to pursue further legal remedies. 

Please confirm receipt of this letter and provide updates on the steps being taken to address my concerns. 

Thank you for your time and attention to this critical matter.
Product: Mortgage

I bought my house in XXXX with FHA loan through Money Source that is now handled by XXXX XXXX. Due to major health issues which kept me out of work for nearly one year I struggled with the mortgage payment. I paid as long as I could and tried to work something out with the agents at XXXXXXXX XXXX but feel that I was misled and promised the opportunity to make payments to settle this matter then got told no, that is not good enough. All or nothing. I feel that XXXXXXXX XXXX has denied access to government programs that should be made available to help struggling homeowners with mortgage loans backed by HUD. I am being pushed into an avoidable foreclosure situation because of the bad policies of XXXXXXXX XXXX I have owned my house for 6 years and worked as a union contractor for 30 years. I never had problems with my mortgage until I was affected by XXXX. I ended up getting approved for the CARES forbearance program for FHA loans and received a partial claim to address the payments that were missed during XXXX. I resumed my regular payments in XXXX but got hurt on the job in early XXXX and had severe back problems and a very bad fever. It was very serious and I ended up having to take leave from work. I had put money away and we continued making the mortgage payment even though I was out of work starting in XXXX. I thought I would be back sooner but by the end of summer all of the savings were gone and my wife XXXX and I were having problems and looked like a divorce was coming so she stopped helping with the bills. I fell behind on the mortgage in the fall of XXXX and spoke with agents at XXXXXXXX XXXX. I was provided with information on possible options for help, but was starting to feel better and thought I could get caught up on my own. I called in to make payment to XXXXXXXX XXXX and said I could pay part of the payment now and the balance by the end of the month. The agent said as long as the full payment amount was received by the end of the month I would be fine. When I tried to send in the second partial payment at the end of the month XXXXXXXX XXXX refused to accept it, which put me further behind on the mortgage and started the foreclosure process. 

I feel that I was deceived and misled in this situation and next thing I knew I was being told I had to come up with a reinstatement of all missed payments including fees to get caught up on my mortgage. I had just spent almost a year out of work and wiped out all of my savings to keep paying XXXXXXXX XXXX and when I needed help their agents gave me hope and then pulled the rug out. 
My hardship is resolved, I have been back working full time since late XXXX and also make side money driving for XXXX. My wife and I have reconciled and she is helping with the finances. I should not be in the foreclosure process because I have the ability to pay and afford my mortgage
Product: Student loan

Note that this is a followup to complaint XXXX On XX/XX/2024 I applied to have all of my existing student loans consolidated into direct Loans via studentaid.gov. on XX/XX/XXXX I received the letter from aidvantage detailing all of my loans to be consolidated as requested. Two of the loans in the consolidation were held by Nelnet DBA Sloan Servicing ( note that these two loans were FFEL loans and Nelnet restructured into Sloan Servicing some time shortly after my consolidation request ). On XX/XX/2024 the consolidation loan appeared on my XXXX account in the correct amount to include the two loans that were originally held by Nelnet. 

However, as of today XX/XX/2024 the loans held by Nelnet XXXX Sloan Servicing still appear on my Nelnet account and are actively accruing interest. I followed up via phone with aidvantage twice, most recently on XX/XX/2024 to verify that the consolidation payoffs were sent to All servicers which they confirmed. They stated payoff was sent to my servicers on XX/XX/2024. Additionally I followed up with Sloan servicing twice most recently on XX/XX/2024, however they could only tell me that my loans held by them were flagged to be ready for payoff, but they had not yet received a payoff amount nor had any further information regarding the payoff. They also stated that the loans will continue to be active until the payoff arrived. They could not give me a time frame or any further information or point me to anyone else that could solve this problem. 

So as of right now, XX/XX/2024, I have loans that should have been paid off as part of a consolidation that are still active with Nelnet DBA Sloan servicing and accruing interest, erroneously. No one has been able to give me any information regarding when this will be settled, or when these loans will be marked as paid for the consolidation. 

Every step in this process in which I've tried to reconcile this discrepancy has been documented verbatim.
Product: Credit reporting or other personal consumer reports

Subject : Request to Dispute Inaccurate Information on Credit Report Dear CFPB and Experian, I hope this letter finds you well. I am writing to formally dispute certain entries on my credit report, which I recently obtained on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that I believe is inaccurate or incomplete. 

The following items in my credit report are inaccurate and require immediate investigation : XXXX. Account Information - Account Name : XXXX XXXX - Account XXXX - Status : Account charged off. {$500.00} written off. 
- Date XXXX - Balance XXXX - Credit Limit : {$200.00} - Highest Balance : {$500.00} 2. Date Opened : The account shows it was opened on " XX/XX/XXXX. '' What proof do you have from the creditor that this account was open on this date. I kindly ask that you provide me with the results of your investigation and any updated documentation reflecting the changes made to my credit report. 

3. Balance and Payments : The balance is listed as {$0.00}, which is accurate if the account is charged off, but the " Recent payment '' and " Monthly payment '' sections show hyphens. If there were payments made prior to being charged off that aren't reflected, this should be noted. 

4. Balance Update Date : The balance was updated on " XX/XX/XXXX, '' but given the status of the account, This is incorrect because the dates are not aligns with your payment history. I kindly ask that you provide me with the results of your investigation and any updated documentation reflecting the changes made to my credit report.. 


- According to my records, the status of this account as " charged off '' is inaccurate. I believe this information is misleading and does not reflect my current financial situation. I request that you verify the accuracy of the information provided by the creditor. 

According to the case 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting that you promptly investigate these inaccuracies. I respectfully ask that you find the entries to be inaccurate and remove them from my credit report in accordance with the law. 

Additionally, I am aware that case law supports the assertion that consumers have a right to dispute information they believe is inaccurate. For reference, the case of XXXX XXXX XXXX establishes that consumers have the right to seek removal of inaccurate information from their reports. 

Thank you for your attention to this matter, and I appreciate your prompt response to my request. 

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

Good Evening. I was notified by my credit reporting agency ( XXXX  ) that my current finance company Santander, has reported my my car as a Charge Of in XXXX of XXXX. I was not notified in writing that this matter has occurred. My financing company Santander, has stated that my account is current and up to date and that is false. I have disputed numerous amounts of times, since XXXX of XXXX to investigate this matter, nothing has been corrected. I have three different balances due to Santander not accurately reporting to the credit bureaus. The financing company Santander, is currently reporting my account as negative every month and I am current on my payments. Santander has made false claims they are reporting to all three credit bureaus, which is not correct. My XXXX report does not show Santander reporting to them at all. I've  requested on XX/XX/XXXX to investigate why they are not current and why they are reporting as a Charge Off on my credit reports, Santander returned a letter on XX/XX/XXXX, stating the account is accurate and correct, which is also not true. I've applied for credit in other departments and they have verified that I am not the current owner of the vehicle and have been denied credit several times due to this matter.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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
Product: Credit card

First progress XXXX sent CFPB a letter saying they would close my account and return my deposit over a month ago. As of today XX/XX/year> this card is still active and so is the account furthermore First progress XXXX is still sending emails to have me register my account with a XXXX party. They refuse lying to me and the CFPB about this matter. WHY ARE THEY REFUSING AFTER STAYING THEY WOULD CLOSE THIS ACCOUNT. THERE WAS NO BALANCE AND I NEVER MISSED A PAYMENT. PLEASE HELP I HAVE FIL3D XXXX MORE COMPLAINTS FIRST WOTHTHE FTC AND MY LAWYER HAS NOW FILED A COMPLAINT WITH THE DOJ
Product: Prepaid card

On XX/XX/15 I tried to make a purchase with XXXX XXXX for {$23.00} with my Bluebird card. The purchase was declined. I did not have enough funds for the purchase. I adjusted my cart and tried to make a purchase within the amount of funds that I have. Bluebird put a hold on my funds for {$17.00} ( all the funds in the account ) saying XXXX XXXX has my funds in a hold status. I did not make or try to make a purchase from XXXX XXXX for that amount. I called XXXX XXXX and was told there was no hold put on my account for any amount by XXXX XXXX 

I called Bluebird and they said there is nothing they can do and my funds would be held for up to 30 days. 

Bluebird has done this two other times saying that vendors put holds on my account for transactions for bogus amounts, but when contacting the vendor there was no charge or hold put on my account for the amounts that were held. 

In XXXX there was a charge with XXXX XXXX. The room charge and the deposit were released the day we checked out. Bluebird held {$70.00} for thirty days. The agent XXXX at the XXXX XXXX investigated and contacted Bluebird. XXXX did not hold or charge my account for the amount that was held. The monies were reversed in XXXX 30 days later. 

In XXXX Bluebird did it again with a charge with XXXX XXXXXXXX XXXX holding {$57.00} which was not the amount of the room charge or the amount of deposit/incidentals. Again Bluebird said XXXX XXXX had the funds in hold status. After contacting XXXX XXXX there was no charge or hold on my account for that amount. All holds for deposits had been released at the time of checkout. All room charges had been released on the day of check in. 

Bluebird has a pattern of submitting bogus charges that were not originated or held by vendors I am doing business with, and holding the funds for 30 days. They are deceptive in their practices and explanations as they are unyielding when requests for the funds to be released are made. These are all bogus transactions.
Product: Money transfer, virtual currency, or money service

I went online on XXXX of XXXX  to buy a XXXX  puppy as our adult XXXX  just passed away. I found a website that was selling puppies and I contacted them to see if this particular puppy was still available.The person said yes so I XXXX  them {$900.00} for the purchase of the puppy. Next day they texted me saying they needed {$1200.00} to put the puppy in a special container.I then XXXX  that money to them.The next day they called me wanting more money for some type of license.I refused.I then called XXXX bank and they said they would not reimburse me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress, ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.