23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I purchased a guitar amplifier on XX/XX/2020. When I received the item it was damaged and missing a part to be able to use the item. I have filed a dispute with the credit card company twice and both times they sided with the merchant. I did everything they asked. I produced all documentation and photos. I contacted the merchant to schedule the item to be returned. He never answered. The purchase price was {$5500.00}. The credit card company is citi card. This has been going on for four months and all I want to do is return a damaged unusable item for a refund
Product: Credit reporting or other personal consumer reports

I recently reached out to this credit bureau in XXXX, XXXX, and XXXX of this year XXXX regarding information and items on my credit profile that were inaccurate, outdated, and even fraudulent in nature. They only corrected a part of it and has continued to report the same wrong information. I have reached out to try to correct this a several times since my original request. They willfully neglect my requests for correction of the information and now I find myself needing to make this complaint. 

According to XXXX XXXX XXXX XXXX, this credit bureau is required to ensure MAXIMUM POSSIBLE ACCURACY. Because they refuse to comply and remove the information that I requested to have deleted, my credit report violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC 1666b . 

I have incorrect names, address, phone numbers, employers, and inquiries which were allowed without a permissible purpose or written authorization from me. I feel violated and unprotected and have suffered loss as a result of their neglect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX  Account Number : XXXX Amount : {$19000.00}, has violated my rights. 

On 15 U.S.C 1681 Section 602 A. ( 4 ) States that I have a right of privacy.

>>> There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 A. Section ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.

>>> ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account ending in XXXX is showing closed and I reopened the account a couple days after closing it. I closed it in error in XX/XX/XXXX and reopened it inXX/XX/XXXX. I made payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But the balance on my statements and being reported to all the bureaus is the balance from when I closed the account in error - {$900.00}. The balance of the account as of today XX/XX/XXXX is {$620.00}. I have made payments each month and the payments and balance is not being reported. Also the account is still being reported as closed. I received a letter from XXXX XXXX giving my balance on XX/XX/XXXX of {$720.00} ( I have made another payment since then ). But that amount is not being reported or my new payment or that the account is open. I received a call from XXXX XXXX stating that they are reporting the proper information to all 3 credit bureaus and that they corrected any errors. But my reports still show the same information. Account closed and balance of {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies XXXX, XXXX and TransUnion is reporting a closed XXXX  XXXX account # XXXX opened on XX/XX/2015. This account is fraud and don't belong to me.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we're obliged to eliminate any erroneous entries from my credit dossier. Would you mind verifying the paperwork? Certain entries noted seem to be flawed concerning their reporting, with incorrect amounts and dates being stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time addressing this issue with XXXX and Transunion through the CFPB. The charged off account known as Department of Ed XXXX XXXX has multiple inaccuracies. 

1. No last payment dates ( How can you verify if account was to be charged off with no last date of payment? Charge offs are implemented after 120 days of no payments from the last payment date ) 2. They were also reporting 90-days late within the time span of 30 days. ( Blatant inaccuracy ) XXXX. In XX/XX/2018 account is reporting as current and in good standing ; then in XX/XX/2018, ( the very next month ) account reports as 90 days late. ( NOT POSSIBLE ) THIS IS A VIOLATION! 
3. There were multiple times where I wrote these agencies and received no response at all and they continue to this day, reporting this negative, erroneous account. 


My rights have been violated for several years. 

According to FCRA Section 623 ( a ) ( 1 ) ( C ), and I quote in part " A credit reporting agency CAN NOT UNDER ANY CIRCUMSTANCES, REPORT ANY INFORMATION THE CONSUMER HAS TOLD YOU IS INACCURATE IF IT IS, IN FACT, INACCURATE. '' In my previous dispute I attached the undeniable proof of INACCURATE CREDIT REPORTING, yet even after notification via repeated letters to each agency and the CFPB, XXXX AND TRANSUNION continue to report this account.
Product: Mortgage

On XX/XX/2017, Ocwen Loan Servicing commenced an action in Supreme Court, XXXX XXXX, NY, re-opening a Voluntary Discontinuance filed by XXXX XXXX XXXX XXXX XXXX, ( XXXX ). 

But the plaintiff in this new action, Index # XXXX, is listed as XXXX, not Ocwen. 

Did Ocwen file the Complaint or did XXXX  file it? Answers to this question are requested of both parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

LIST THESE ACCOUNTS ALSO : XXXX XXXX  {$5500.00} XXXX/XXXX  {$25000.00} ALL : DPT ED/XXXX XXXX   XXXX XXXX  XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXXXXXX {$200.00} {$1400.00} {$140.00} {$240.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX  XXXX {$570.00} XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} {$240.00} {$140.00} {$1400.00} AND ATTACHED FTC
Product: Mortgage

I have been trying everything with my lender to resolve my payment issues. I fell behind due to reduced income and illness. I told them many times that I am better now and went through credit counseling and can resume my payments if they will just help me get current. Every time I call them, their representatives can't hear me, phone lines are broken up, there's a bunch of ruckus from the employees in the background yelling and laughing, etc, they claim they can't hear me and disconnect the phone. It's really bad and I feel desperate. I can't get past these gatekeepers who don't take my situation seriously. 

They had scheduled a sale date on XX/XX/ ; I had to fight to get them to try to stop it. Finally, on XXXX XXXX XXXXXXXX ID # XXXX said he " put in a work order '' to try to cancel the sale date. He told me to " follow up in 10 days '' - my house would have already sold by then. I brought this to his attention and he said he will see what he can do. 

I followed up every day even twice a day after that, and they did nothing. Every rep that answered the phone either hung up, or didn't know anything about the " work order ''. I was not surprised. 

On XXXX I called in and " surprise '' - they cancelled out my modification review packet and told me the sale date was still scheduled. 

Again, I feel like I am getting nowhere. I feel like I am in dire straights and they're not taking me seriously with these literal clowns who answer the phones. Laughing and joking loudly while I am losing my house. I can't get any information about MY LOAN from them, the people who are supposed to be helping me. I need some outside assistance to get help because this is a joke. Please help me before I lose my house due to these gatekeepers.
Product: Mortgage

I have been set up on Biweekly payments since XX/XX/2019. On XX/XX/2019 my bank account was hacked while on vacation. As soon as I got back I emailed and called my POC with no return email or phone call. I called again the following week to find out they kicked me off biweekly payments. They admitted that this should not of been done for one missed payment an apologized. During all this I was able to be brought up current ( four payments where made in XXXX ) and placed back on biweekly as of today. Unfortunately they are reporting to the credit bureaus that I am 30-59 days past due which I wasn't because of the error on there end. I am putting a compliant in because I called about this and they don't know how to fix it. This has lowered my credit score and reporting false information. I have had nothing but issues with shellpoint mortgage and my mortgage broker told me to report this to you. they also missed reporting current in XXXX as well so it shows broken reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX You are in violation of The Fair Credit Reporting Act ( American Credit Acceptance account number XXXX ) Has violated several of my rights. 

15 U.S.C 1681 section 602 A. clearly states that 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 an account without my written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account IMMEDIATELY as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

My identity was stolen and a imposter turned into me by using my date of birth, social security number and name to open up this account. A drivers license and or id was made my imposter with there picture and my information.
Product: Credit reporting or other personal consumer reports

Re : Cease and Desist Demand and Dispute of Repossession Action [ Account Number - XXXX Dear XXXX XXXX XXXX, I am writing to formally dispute the debt referenced above, which you claim I owe, and to challenge the legality of the recent or pending repossession action related to this account. 

I request that you provide immediate validation of this debt, including the following : XXXX. The total amount claimed as owed, including any interest, fees, and penalties. 
XXXX. The original contract or agreement that outlines the terms of the debt, including my signature. 
XXXX. A detailed explanation of how the debt amount was calculated. 
XXXX. Documentation showing that the debt is still enforceable, including the chain of custody or assignment of the debt if it has been sold or transferred. 
XXXX. Proof of compliance with all relevant state and federal laws concerning the repossession, including notice requirements and timelines. 

Until I receive full validation of this debt, I consider this debt to be in dispute, and I do not acknowledge any obligation to pay it. 

Furthermore, under XXXX XXXX. XXXX ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you cease all communication with me regarding this alleged debt and repossession. This includes phone calls, letters, emails, or any other form of contact. The only exception to this demand is communication required by law, such as providing the validation of the debt as requested above. 

Please be advised that failure to comply with this cease and desist demand, or to provide the requested documentation, may result in legal action being taken against your company for any damages I XXXX suffer as a result of your actions. 

I expect your immediate compliance with this demand and that all collection and repossession activities cease until this matter is fully resolved. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

someone opened a discover card in my name and i contacted discover to report it as well as all 3 credit bureaus. discover used the information i gave them to have XXXX re- report the negative account information on to my credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. I'm writing to express my concerns regarding the reporting of my charged-off XXXX XXXX credit card account on my credit report. 

This account has been officially charged off, however, it continues to be reported as a 'charge-off ' on my credit report every month. As well as reporting No Data for some months. This repetition implies that a new negative event is occurring each month, which is not accurate. 

Under the Fair Credit Reporting Act, a charged-off account should be reported as such once, not on a continuing monthly basis. The continuous reporting of the charge-off is negatively impacting my credit score in an undue manner. 

This incorrect reporting has significant consequences on my financial standing and potential for future credit opportunities. I kindly request your assistance in rectifying this issue to ensure that my credit report accurately reflects my financial history. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX
Product: Student loan

You guys keep sending me a bill to pay student loans get your services dont work. When I try and log into my account to pay, it says error, please try again later. Threatening to put someones account under delinquency or default when your own services dont even work is absolutely unprofessional. It is absolutely chaos working with MOHELA as a service provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our Loan was transferred or sold to another company. The sale or transfer date was XX/XX/2019. The new owner was XXXX XXXX with Servicing of the loan being handled by XXXX XXXX. The Loan number is XXXX The actual transfer happened on XX/XX/2019. 

Recently we have been having problems with, first the Nationstar/Mr Cooper loan shwing on our credit report starting this month as being OPEN with a balance of {$190000.00}. We put in a compliant to XXXX through CFPB ( this format ) on the XXXX of this month. On the XXXX the credit reports started showing the Nationstar/Mr Cooper loan being closed, but the our XXXX account shows that there were other things also happening in the credit file that shows changes were made to the Nationstar/Mr Cooper credit file that not only altered the dates or recorded delinquent periods. This in fact lowed my credit score for that account. Put a call into the CFPB this morning and was told that XXXX  indicated that the account could only be controlled by Nationstar/Mr Cooper, and they were the ones that did not close it, and if I needed anything change or corrected, I would need to contact Nationstar and ask for XXXX XXXX. I'm not clear who made the changes and why would Nationstar/Mr Cooper would make such changes, being it something we had never before experience when were were with them. They have for the past ten years been an stellar and exceptional mortgage servicer.
Product: Student loan

My loan was sold to Navient from XXXX XXXX. I had a brief loss of income several years ago and the loan was sent to XXXX XXXX for collection. My payments are timely and have been for years. XXXX XXXX collects 0.010 % on the loan. They are telling me there are no other interest charges however Navient is still charging interest on my loans so I can not get ahead. I can not communicate with Navient because every time I call in the call is forwarded to XXXX XXXX. Most likely I am eligible for public service loan forgiveness but can not speak to anyone at Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXSee attached Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA XXXX  enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Product: Debt collection

My name is XXXX XXXX a federal protected consumer me, and I am making this complaint against Santander Consumer USA INC for committing identity theft. I have never Santander Consumer USA Inc any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC sub section 1692e ( 12 ). 

I have not validated any alleged debt with Santander Consumer USA Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/year>, I have not received documentary evidence, such as a trilateral contract, Santander Consumer USA INC any right to colect on this alleged debt. Im requesting your Errors and Omissions number #, has insurance on this account been file and please provide license to collect in Louisiana. 

I have never received any documentation requesting validation from Santander Consumer USA INC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ), which the FTC defines as debt parking. If Santander Consumer USA INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, Prior to furnishing on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until the company can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Santander Consumer USA INC continue its collection efforts, I will file for litigation for actual damages caused and Santander Consumer USA INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt documents herein and of this notice, you are hereby notified XXXX XXXXXXXX. Your prompt attention and response are both requested and required. 
ACCOUNT # XXXX
Product: Checking or savings account

Hello, I recently submit a complaint and receive response from company. Company has responded but they are asking for their own bank statement and they have restricted my access to my account how can I send the statement. Please solve this issue because they are taking this issue too far. If I had access I will send the bank statement they have asked for but I dont have any access to download bank statement.
Product: Credit reporting or other personal consumer reports

Subject : Comprehensive Request for Revision : Late Payment Entry to be Marked as Current Dear [ Credit Reporting Agencies ], In the ongoing matter concerning the disputed late payment entry on my credit report, I am advocating for an extensive resolution. Specifically, I request that the late payment entry be revised to reflect a current status.

In accordance with the legal doctrine of estoppel by silence, as exemplified in the case of XXXX v XXXX ( Mo ) XXXX XXXX XXXX XXXX, I have not been furnished with any evidence substantiating the alleged debt. Consequently, I am compelled to presume that no such proof of debt exists, thereby negating the existence of said debt altogether. 

It is imperative to uphold the utmost accuracy and integrity of consumer reports, as mandated by the Fair Credit Reporting Act ( FCRA ). Therefore, it is essential that my credit report accurately reflects my financial standing, devoid of any inaccuracies or unsubstantiated claims. 

I assert with conviction that the current status of the late payment entry is unwarranted and fails to align with the facts. Hence, revising the status to reflect a current, up-to-date depiction is not only equitable but imperative to uphold the principles of fairness and transparency in credit reporting. 

In the event that the pursuit of this resolution encounters obstacles, I reserve the right to pursue alternative avenues to rectify this discrepancy. It is paramount that my credit report accurately represents my financial status, without any unjustified or unverified entries. 

I implore your esteemed agencies to undertake a thorough review of this matter and take prompt action to effect the necessary revisions. Your cooperation in resolving this issue expeditiously is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I just recently look at my Experian XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose I also attached evidence. 

1.XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX XXXX, Inquiry Date : XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. XXXX XXXX, Inquiry Date : XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6XXXX, Inquiry XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

To whom it may concern, THANK YOU for taking the time to read this. I appreciate you. You're awesome. You're probably the coolest, nicest, hardest working, and best looking representative in your company. SOLUTION : I would like delinquent payment mark removed from my credit report. Please! I don't believe it is accurate. REASON WHY : I spoke to a XXXX representative on the phone because they called asking about my late payment ( it was not delinquent yet at this time ), and I told them the date AND the amount I'd be paying. I asked specifically if this would prevent a delinquent report. They said I would be safe. But shortly after XXXX still reported it as delinquent. Please remove this report. Thank you so much for being so awesome.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report with the FTC on XX/XX/2018. This is the report number : XXXX. Equifax is not removing the inquiries and accounts associated with this report of identity theft. I spoke with an agent from Equifax on XX/XX/2018. The agent said that he would remove the inquiries immediately and furnished the following confirmation number : XXXX. Upon calling for an update on XX/XX/2018, I discovered that the agent did not remove them as promised- despite me furnishing Equifax with the identity theft report, confirmation # XXXX.